23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/21 I was notified that something negative was placed on my credit report. I checked and saw a collection for {$450.00}. I didn't know what the charge was for so I disputed the charge on XX/XX/21, requesting additional information about the charges. 

The response that I received stated that the debit was verified, no documentation to support the charges. Prior to this I never received any calls, letters, or emails pertaining to this debt. Upon investigating I found that this is a debt from 37 years ago with the Illinois Dept of Human Services. 

My complaint is that this is on my credit report for I don't know how long and I was never given the option to settle this after 37 years. Isn't there some sort of statute of limitations on debts? If there isn't I should have been given the opportunity to settle this debt, as now my credit score has dropped because Harvard Collections took it upon themselves to put this on my report without allowing me to pay it off. 

This is a small amount of money and I hate that it has affected my credit rating for the next 7 years. 

I tried calling the company on XX/XX/21 and apparently you can't get through. I'm told to approve the message that I left, but the strange thing is I didn't leave any messages and wasn't given a prompt to leave a message. The number I called was XXXX. 

I would like to get this off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

First, I would like to complain that Equifax is hindering my ability to dispute XXXX XXXX XXXX account online because Equifax has continuously placed the account in " reinvestigation '' status when the account is not in investigation to hinder my ability to request an investigation online ( see attached ). Second, on XX/XX/2020, I sent Equifax a dispute letter ( attached ) to request them to remove a fraudulent account from my credit file in accordance to section 605B of the Fair Credit Reporting Act. On XX/XX/2020, I received Equifax 's dispute results and Equifax states the account was verified and the account belong to me ( attached ). In addition, Equifax reports that the account is open on my credit file when the account is closed to due fraud. XX/XX/2020, I received notification from XXXX XXXX that the account is closed and that they have not reported or furnished any information to Equifax since the account was closed. 

Equifax refused to report accurate information that the account is closed and also refused to block the fraudulent information and update my credit file within four business days of receipt of this letter according to the Fair Credit Reporting Act ( FCPA ) ; 605B Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ]. This issue has affected my ability to obtain credit and I would like to attempt resolve this issue immediately before filing a lawsuit against Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have 3 Inquiries that I want to dispute and get off my credit report I applied for these accounts and got denied after I was suggested by credit karma but I open my XXXX card and took out a loan on XXXX and Im thinking bank/creditors are looking at that like I might be risk but I am actually using my credit for my business and paying them back ASAP I would like to dispute Capital One XXXX Bank XXXX XX/XX/XXXX, XXXX XXXX ( Bank XXXX XX/XX/XXXX XXXX & XXXX ( Bank ) XX/XX/XXXX off my Hard Inquiries please give me a call @ XXXX if you need any additional information!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate information on my credit report. I submitted letters to each of the credit bureaus and I only heard back from XXXX. However, XXXX didnt send me my results. It has been longer than 30 days.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate late payment entry on my credit report, as allowed under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). I believe this information is not correct, and I am requesting that you investigate this matter promptly.

The item in question is a late payment reported by XXXX for the account number XXXX. The late payment is reported as being dated XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, and I firmly believe this is inaccurate for the following reasons : _ There may be a clerical error.

_Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ), creditors are required to provide clear and accurate information regarding the terms of the credit. If the late payment reported does not align with the terms initially agreed upon, it warrants removal.

I would like to point out that these late payments are reported only to two credit bureaus and do not appear on my XXXX report. According to the law, if the information is inaccurate or incomplete, it must be removed or updated accordingly.

I also wish to highlight that under 15 U.S. Code 1681s-2, furnishers of information are obligated to provide accurate information to credit reporting agencies. Given the circumstances outlined, I respectfully request that you take the necessary steps to remove this late payment from my credit report as it does not reflect the true nature of my payment history.
Product: Credit reporting or other personal consumer reports

last monts I send a dispute to this agency about one account they report in my credit report, that account that not mines or wrong and the account Avery time I try to dispute they came back saying the account is verify or accurate without show me any process or any information about the investigate and get the result, I just getting tired about this process I will start a legal process against this agency..
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/19 Initial request sent via postal mail for correction of information contained within Equifax credit report. I included documentation from collection agency. No response received. 

XX/XX/19 Follow up request for correction of information contained within Equifax credit report. Once again, I included documentation from collection agency. Still no response received. 

This credit reporting agency is being allowed to violate several laws! They did not respond in writing via postal mail, which is how I initially made contact with them. They have not removed this derogatory information from my correct ( I have documentation and proof from the collection agency ).
Product: Debt collection

I was contacted several times back-to-back from a debt collector saying they were XXXX XXXX XXXX. They called me several times in the morning. I answered and told two agents I was at work and couldn't talk and that they send me a letter to verify said debt. The one rep who was a male immediately begin to curse at m and say, " Just pay the bill XXXX, we're taking you to court '' and hung up. I told them several times to send me a letter and not to call me during the hours of 8 and 5 pm and that they could send me a letter. They then begin to leave voicemails saying I had a " order of judgment '' against me and It was filed in court on XX/XX/2021. I've asked them to produce a signed contract showing me that I am the owner of this debt and when I said that I was cursed out again and hung up on. I am ready to seek legal action against the company for the constant harassment and scare tactics. They've even threatened that they will be showing up to my job to serve me papers
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ).  They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit reporting or other personal consumer reports

The details of the fraudulent Inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

I ordered a pair of shoes online from XXXX and when I received them I didnt like the way they looked. I decided to return them to a local XXXX store for a refund upon arrival I was greeted by a store clerk that assisted me for a refund using my credit card ending in XXXX I was expecting a refund using that debit card later on that day around XXXX a refund totaling XXXX was deposited on my card. The very next day Im checking my balance and it was in the negative balance as someone took it. I contacted my financial institution ( NETSPEND ) and they told me its on hold for verification so I sent In everything I had from XXXX for proof of the refund and netspend keeps denying my documents and dont want to release my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey, hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being passed around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my Report I filed for identity theft because these accounts were not mine. Have them remove these thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file compliant with Consumer Financial Protection Bureau before and the issues still have not be taken care of. Now I am getting denied credit for an auto loan because XXXX XXXX is still showing on my credit reports as an owe debt when it was filed in my Chapter XXXX case. 
I have sent you and the credit bureau copies of my filing and the credit bureau is still reporting it as I owe {$27000.00}. 
I want it corrected ASAP and removed at once or I will seek legal help and go back to the court and report it to them.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a personal loan today and with in an hour of getting the docs I noticed a mistake, I called several times and got disconnected, finally spoke with someone and they refused to do anything to correct the terms. Ive been a client of theirs for more than 10 years, they have XXXX customer service and now Im stuck with a loan with the wrong terms. They said it was already funded, but it was not funded, The money has not hit my checking account and they refused to fix the loan docs. They purposely push the funding so they dont have to make any changes or work with any customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX {$2000.00} XXXX XXXX XXXX {$480.00} XXXX XXXX {$300.00} XXXX XXXX XXXX {$18.00} XXXX XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX   XXXX {$780.00} XXXX XXXX XXXX {$590.00} XXXX XXXX {$840.00}
Product: Debt collection

THIS JUNK BE CRAY. I CANT STAND THAT THEY CALLING ME ALL THE TIME THE THE ACCOUNT AINT MINE. SO I SENT A CEASE AND DESIST THINKIN THAT WOULD HELP BUT IT DIDNT SOOS I SENT THEM ANOTHER. NOW THAT AINT WORKIN
Product: Credit reporting or other personal consumer reports

I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.
Product: Credit card

I have an old credit card account from CITI financial I have been paying faithfully. As of XXXX, the payment address changed, and my payments began to not be cashed through my online billpay. However, the letter I received asking me to call to pay over the phone forwarded me to a number soliciting services, I guess a spam number, XXXX XXXX XXXX XXXX. Completely robotic without an option to speak to a human. There was no other number on the letter to contact a live person. Only by XXXX CITIfinancial and calling an office directly could someone access my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested three times for Experian to verify through the physical verification of the original signed consumer contract and three times the response from Experian has been that the data furnisher has verified the accuracy of the disputed information. 
The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), does not say that data furnisher has to verify the accuracy of the disputed information. The law says, Experian is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on my credit report. 
As of today you have not provided me with a copy of the original signed consumer contract. The law is very clear if you can not provide me with a copy of the original signed consumer contract the information must be deleted from my credit report. 
This is my forth request that Experian provide me with the requested consumer contract or delete the information. 
I am demanding that Experian comply with The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and  delete the following accounts from my credit report : 1. XXXX XXXX XXXX Acct # XXXX 2. XXXX XXXX XXXX Acct # XXXX 3. XXXX XXXX XXXX Acct # XXXX Experian is in violation of The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ).
Product: Checking or savings account

After over 18 years of doing business with USAA my checking account has been closed involuntarily.  Not only is USAA breaking the law in terms of the civil rights bill of 1866 section 1981.  I am appalled how they froze my account.
Product: Credit reporting or other personal consumer reports

I think upon helping someone submit a claim for the cfpb it used my account instead and now my date of birth has changed to XXXX. My date of birth is XX/XX/XXXX and I am XXXX XXXX of age I have a Id that will show that as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I, the consumer, have identified multiple unauthorized inquiries with either open, closed, or no accounts. Whenever I call TransUnion, XXXX, or XXXX about this issue I am told that the inquires are accurate ( when they are not ) and I should add an identity theft ( which I do not want ) alert on my credit profile. TransUnion, XXXX, or XXXX can not furnish factual or nonfactual information that is a result from a transaction that arose from my credit card. First, I, the original creditor and consumer can verify what is and what is not accurate. I never gave TransUnion, XXXX, or XXXX the authority or permission to furnish or update a credit report on my behalf. They did not inform me with me first about any of the inquires or updates before verifying that it is mine. This has been going on for almost 2 years and I am extremely tired of this. I submitted an identity theft report several times and still being taken advantage of TransUnion, XXXX, and XXXX credit reporting agencies. I am a natural human being and I have more power and rights that any person who consider themselves a business or organization. TransUnion, XXXX, or XXXX are criminally and civilly liable for reporting inaccurate inquires.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, a international wire transfer was sent to myself from XXXX XXXX XXXX  in XXXX through Citibank as an intermediate bank in the transaction. International wire transfers are to be processed by Citibank within 3-5 business days, however, as of XX/XX/2024, the fund have not been released by Citibank. Multiple traces and inquires through the sending bank and through the receiving bank did not provide any answers to explain why funds are being withheld by Citibank while indicating the transaction status as " Normal ''. Neither the sending or receiving banks were able to determine the reason for the money being withheld. I contacted Citibank customer service to provide an explanation for the delay but was denied an information. While the trace shows funds are with Citibank, it did not make any effort to verify or seek a reason to resolve any delay ( if there was a reason for it ). Citibank displayed poor banking services and questionable business practice to withhold these fund.
Product: Mortgage

BANCORP has sent my family on an emotional roller coaster from the start. My husband and I, our XXXX sons ( aged XXXX & XXXX ), and our dog, are currently homeless as a result of repeated indifference and inaction from BANCORP. We have moved a total of XXXX ( XXXX! ) times in XXXX weeks due to broken promises. Throughout this process, we have asked for open communication and honesty. We have received neither. Instead, we have been repeatedly stonewalled and given the run around. We have been extremely patient and understanding, yet that has not resolved anything. 

We were initially disclosed on XXXX/XXXX/2016 with a closing date of XXXX/XXXX/2016. The total disregard for the closing date, time and time again, has been unprofessional and disheartening. The most recently promised closing date of XXXX/XXXX/2016 will not be met as they have contacted our mortgage broker to say that the investor is no longer doing business with them. They also mentioned that there are XXXX other loans that were in the program. Every week we are told that it will close the following week. 

My children do not know where we will be tomorrow. This constant sense of unknown, of homelessness, XXXX. The same can be said for our XXXX year old dog. Furthermore, the financial burden of constantly moving weighs heavily on our family. We are spending $ XXXX- {$350.00} a night on temporary housing. To date, we have spent over {$7000.00} on temporary housing. We will also have to hire movers twice ( {$2500.00} ) and we had to rent a storage unit ( {$600.00} ) because our closing date keeps getting pushed back, over and over again, by BANCORP. 

My husband and I both have fast-paced jobs that we both love. For the last month we have not been able to fully dedicate ourselves to our jobs and our family. It is extremely time consuming to keep rescheduling installation and setup for utilities, cable, phone, and various other necessities. 

I do not wish the experience that we have had on anyone. A lot of this would have been prevented if - from the outset - a representative at BANCORP would have been transparent with us, providing us with a realistic closing timeline and letting us know that our closing date may need to be extended. We would have been able to extend our lease on our home and would not have had to endure the last three weeks of uncertainty. I never thought that I would be homeless. It is unacceptable for a company to have such disregard for their customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within XXXX  days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter onXXXX XXXX to CREDIT bureau ) to remove XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$580.00} that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUEAUS are required to remove any accounts not later than 4 business days after thXXXX XXXX leter that was sent to CREDIT BUREAUS. .Ive already included this in my previous Complaint # XXXX XXXX ; XXXX ; and XXXX & I am including it again.,
Product: Credit reporting or other personal consumer reports

The inaccuracies on my credit report from the XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) are completely unacceptable and need to be addressed immediately. These accounts are falsely reported with late payments, even though I have always paid on time. Under 15 U.S.C. 1666b ( a ), creditors can not legally report on-time payments as late, and this false reporting violates the law. Furthermore, their failure to ensure maximum possible accuracy as required by 15 U.S.C. 1681e ( b ) under the FCRA is unacceptable. Failure to address this issue violates FCRA 611 ( a ), which requires a proper investigation of disputes, considered violating the law of willful non-compliance under FCRA 616 and 617, making them liable for damages of up to {$1000.00} per violation.
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number, as well as documentation that proves this account is late. If you can't provide me with this information in 15 days, update the account to PAID/NEVER late and send me a copy of my updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

account/names/all not mine filed FTC report : office of the atty gen XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX XXXX XXXX XXXX XXXX address are not mine : XXXX XXXX XXXX XXXX XXXXXXXX XXXX