23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

I had Hired them to help clean up my credit reports, after paying them {$560.00} over the last XXXX  days. I keep very close eye on my credit reports and they have done nothing other than get an account removed in good standings, So i contacted them to cancel my service and all i get is the run around tell me they wont cancel until i pay the another {$120.00} for services they did not do. 



My email to Them XXXX, As of this moment your services is canceled, i keep very close eye on my credit reports and yall have not done anything on it. I have gotten more done in XXXX  days than yall have in XXXX  days. STOP MY SERVICES IMMEDIELTY. 

His Email I would need you to call us to cancel. 
-- XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, UT XXXX XXXX XXXX Credit Innovation Group ( XXXX ) XXXX email : XXXX XXXX I have already called them and they said the will not cancel until i pay them
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted multiple times to get an invalid collection removed from Equifax and   XXXX   (   XXXX   conducted their investigation properly and it was removed ). I have also filed complaints on the biller directly. The collection is from  XXXX   XXXX . This company has not been compliant with properly handling the billing dispute. I have filed several complaints, and they refuse to do the right thing. So I disputed the matter directly with the credit bureaus.      XXXX  is attempting to collect a debt for a service that was improperly bil led ( 2 bills total ). The bill was supposed to also go to my secondary insurance, however, it only went to my primary. I notified the original creditor about the error last  XXXX , instead of them billing both insurances, it was sent to collections ...  XXXX  removed one of the bills, but not the other. Both bills should be removed. Equifax has not removed them at all, and keep stating they are valid- which they are not.
Product: Credit reporting or other personal consumer reports

Transunion has placed a fraudulent account on my credit report and has failed to provide where they are receiving this information the following account needs to be removed if it Can not be verified : XXXX XXXX XXXX Transunion continues to send credit reports which is not a verifiable way to prove the debt belongs to me
Product: Credit reporting or other personal consumer reports

I am aware that, in spite of the precise information customers have provided, you have been using pre-written standard form letters in your responses to a large number of disputes, complaints, and challenges. I am fully aware that this is illegal because every customer complaint needs to be considered on its own merits and handled accordingly.

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I am aware that you can postpone answering consumer letters without having to ask for a Power of Attorney. I will view your failure to respond to my correspondence in a timely manner as a willful disregard for my rights as a customer. I will be forced to get in touch with my lawyer and take legal action in such a situation.

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence.
Product: Checking or savings account

All the transcations from XXXX XXXX  was unauthorized nor was my name on the gaming account
Product: Credit reporting

I am unable to receive my LexisNexis C.L.U.E . Auto report. I thoroughly filled out the company 's request form, leaving nothing blank. In addition, I supplied a copy of my social security card ( Category A identification requirement ) and my auto insurance declaration page ( Category B address verification for mailing address ). I live between the United States and XXXX with my mailing address ( not physical address ) at a border town, but my submitted insurance declaration page reflects this mailing address. I 've met the LexisNexis requirements and yet their generic letter states I did not meet their verification process and that the request form was incomplete / illegible. None of this is true. There is no means to contact a human being at LexisNexis. My consumer number is XXXX and my case number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings to whom it may concern, In accordance with the fair credit reporting act XXXX, XXXX, Equifax, has violated my rights. The most recent contact with them on XX/XX/2022 and previously on various other dates, this contact was a request to update the contact information on my account to remove all inaccuracies with my personal profile such as incorrect spellings of names, date of births, unrelated address, and employers. Please see attached previous letter. In addition they have failed to respond to the most recent letter on XX/XX/XXXX, XXXX in accordance with the FCRA regulations. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance
Product: Debt collection

I contacted Experian Credit Agency on XX/XX/2021 to dispute the duplication of all my student loans. The problem is my student loans were all consolidated a year ago, I tried to explain to Experian on four other occasions that all of the individual tradelines for Navient, US DEPT, XXXX, have all been consolidated into the one loan now. The consolidated loan is also being reported as well. DEPT of ED/XXXX  is the new loan 's trade line entry. All my loans have been duplicated and they should not be.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquires on my credit report
Product: Credit reporting or other personal consumer reports

This is my second time I'm disagreement with the account listed below with my credit report still appearing, even after your investigation. I would like item immediately- re-investigated. the inaccuracies are highly to my credit score. 

XXXX XXXX XXXX in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Sections 611, please provide the name and business addresses of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your re-investigation.
Product: Credit reporting 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. 

Accounts : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX. 

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

15 U.S.C 1681 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 mor 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: Student loan

I had requested for a consolidation option for my son. Upon receiving quotes from XXXX and Navient regarding a consolidation they sent me information in late XXXX early XXXX ( XXXX ) informing me that my application was under review and that I would receive a packet in the mail that would allow me to decide if the options presented to me would work. I was told over the phone that nothing was solidified and that until I receive this paperwork I would not be set into a plan. Well, I did not receive the paperwork in the mail and on XXXX XXXX, XXXX my loans with XXXX were bought from Navient for a total of roughly $ XXXX. I called to question this and was told that because my lack of response, I was automatically enrolled in a 25 year plan for repayment with this consolidation and because of this consolidation, I could no longer adjust the terms. I was upset because I did not sign any paperwork and was never aware of the plan, interest, or the consolidation holder.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks dated on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I co-signed for an account with my late fiance 's daughter, XXXX XXXX XXXX, with XXXX in XXXX Florida. The account was opened with XXXX XXXX in duplicate, one for me alone and another for my Fiance 's daughter. When I called the Company Account Supervisor noted the error and told me they would make the correction within 60 days, however this error has shown up as a late payment on my credit report. 
The error account number is XXXX, and was opened on XX/XX/2017. XXXX nor XXXX XXXX has reported me owing money on account that was formulated in error and now reporting non payment on this fictitious account, which was opened up in error. Please help to correct this. My credit is bad enough without someone reporting this error on it. 
Thank You. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a vehicle lease through XXXX ( XXXX XXXX XXXX XXXX) for XXXX XXXX, my lease ended XX/XX/XXXX, I had called XXXX several times to ask information about the end of my lease, I was told to get the vehicle inspected with the company that they had provided, after inspection I can return the vehicle anytime between XXXX XXXXt and XXXX XXXX because they offer 10 days grace period. I did everything that was asked of me to do. Ireturned the vehicle on XX/XX/2019( still within my grace period). About 3 weeks later I received several phone calls from a rude agent named XXXX from XXXX XXXX  XXXX  stating that I was late on my lease payment and that I needed to pay the amount owed within the next few days. I explained to him that my monthly bill was always being deducted automatically from my bank account, I had made all my payments in full and on time, I also informed him that the car was returned back in XX/XX/2019. He was adamant that I owed the monthly payment, and the car was never returned to XXXX. After going back and forth with me for several minutes I decided that I didn’t like the tone at which he was speaking to me and I wanted to speak to someone else. Finally another agent got on the phone to inform me that the dealership did not finish the paperwork for my lease return and as far as they know I owe the monthly payment. Few days later I got a notification that XXXX reported a late payment (30 days past due) to all 3 credit bureaus; at this point, I was livid I called XXXX  again the representative told me that I have never been late and he does not know what I’m talking about. All the employees are so rude ( XXXX, XXXX) and do not care to properly answer any of the questions asked by the customer.  It is unfortunate that a big company like XXXX chooses to report fraudulent information on people’s credit report. XXXX is nothing but XXXX XXXX XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations XXXX  XXXX XXXX
Product: Bank account or service

I had just gotten out of credit counseling about over a year ago. I went into a Wells Fargo location inquiring about my checking account. The banker I worked with signed myself up for a line of credit of {$3000.00} & a credit card of {$5000.00}. My house was up for sale & I needed to get out in order for the new resident to get in. He told me to go ahead & accept the offer for the extra money & stated it could get paid off once my house sold & I would n't get charged for it until then. Which was falsified. They have charged me for borrowing {$3000.00} when I only used {$2000.00}. They have also not just once but twice withdrawn money from my checking account without my knowledge. The first time they withdrew the whole amount owed which at the time I only had my social security in my checking account. They put it back in because they found out it was done wrongly. This second time is still ongoing as they sent a letter stating they were taking {$790.00} dated XX/XX/XXXX & I did n't receive the letter until XX/XX/XXXX which they had already withdrawn my social security yet again. They are refusing to put it back. The banker also stated he was going to send my papers but has n't sent them & that was almost two years ago. I should n't have been pressured into this as I had just gotten out of counseling but they forced it on myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Mortgage

CFPB, I am a US service member currently located in XXXX. I lived in XXXX XXXX till 2009 and XXXX to XXXX, XXXX XXXX, a XXXX in XXXX, back to XXXX, and I currently reside in XXXX since that time. During this time I have attempted to first attempt a home modification with Wells Fargo and was rejected. I then tried a short sale with Wells Fargo, had a buyer and then was rejected. I currently rent the home out for XXXX but am making payments of XXXX. I always wanted to keep this home that 's why I first wanted a home modification. I spoke to them about the Home not being an investment property and the modifications to the SCRA in regards to homes for military home members but that went on deaf ears.
Product: Credit reporting, credit repair services, or other personal consumer reports

The late payments on my student loans are incorrectly reported for XX/XX/2019. XXXXXXXX XXXX and XXXXXXXX XXXX are not my accounts. I've already tried to dispute it with the company and creditors. I've filed a police report and sent in requested documents.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 {$600.00} was sent through XXXX  to the email XXXX with XXXX name : XXXX. Money was sent due to a hacked XXXX account of my friend 's. Actual friend did not receive any money from this transaction due to fraud account. My bank is Chase Bank, XXXX XXXX XXXX, XXXX XXXX. I called the number behind my chase debit card ( XXXX ) and also had the teller at chase call for me. They said they could not give me back my money due to my initiation of the transaction. They said XXXX is a third party and they have no way of receiving back the money. The call that my chase teller was on said that because I was willing to send the money they can not help me and that they don't deal with scams. Only action that is being taken is an investigation of XXXXXXXX XXXX XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  accounts XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX and XXXX 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. States a consumer reporting agency can not furnish a account without my my written instructions.
Product: Credit card or prepaid card

I have owned an XXXX XXXX XXXX card for one more year and I just received an offer from XXXX & Amex last year which I could refer my friends to apply for this credit card. After my friend has been approved, I will get 10k bonus for each successful referral. I have referred three friends in XX/XX/XXXX. But I only got 5k bonus for the first two friends and had nothing for my third successful referral. I have contacted AMEX custom service to fix this issue in XX/XX/XXXX like 6 or 7 times. Initially, they said I need to provide my friends ' e-mail and full name. Then they told me I need to wait until 8-12 weeks for the rest of the bonus arriving in my account. I think already that I could wait. But after 12 weeks, when I contacted them and they said that I need to provide last five digits of my friends ' credit number. After a few weeks, when I contacted them, they said they could not find give me the rest of bonus since they could not find the history. Each time I contacted them first, otherwise, they wouldn't tell me any results of this issue. The truth is that my first two friends have received their open account bonus and I just got 5k not 10k for each like promised in the e-mail. But the customs service just told me that they could not find anything in the system. Is this a fraud approach to cheat more customs to apply for their credit cards? I hope this problem could be solved fairly.
Product: Credit reporting or other personal consumer reports

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : 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 XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : 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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXXXXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I've settled this payday loan in 2016 with Cash Central and DFS.

I'm now getting collection calls from a collector that Cash Central can't / won't validate. I've asked the collector to validate the debt and that I settled the debt in 2016 through DFS. 

I've provided all the documentation that I have on my credit report. If Forced I could go back to the Bank and Find the check / Credit card that I settled the debt on. 

This collector won't stop emailing and texting me along with calls. The collector then asked for my address. If they are collector they should have or find that info. 

Please help me to address this collector as I don't see them as being a registered collector in the state of California or the collector that cash central has provided that owns the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( XXXX  ). It is plainly stated that a failure to investigating these items within XXXX  days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to stress you caused me. My information was also impacted by the XXXX data breach and may gotten into the hands of the wrong person