23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes ( XX/XX/2019 ) Experian has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see below ACCOUNTS XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX   XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

inquiries are listed on my credit that i never applied for they are hurting me from buying a house and truck for my family.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed accounts listed that I do not recognize or never had a contract with
Product: Money transfer, virtual currency, or money service

I have subscribed to Gemini website to trade cryptocurency and i have deposited some dollars. 
After More than 6 weeks now my verification is still pending, my money is locked there. 
I have sent many emails to the customer service but i only get automatic answer without answering my request. 
This company is not taking care of their customers Other companies like that take usualy few hours to verify, Gemini does not make sense
Product: Credit card or prepaid card

Hello! 
On XX/XX/2018 I was shopping at the T.J.Maxx ( XXXX XXXX XXXX XXXX, IL XXXX ) and I bought a couple of items in the amount of {$280.00}. The next day I did not want one of my items and wanted to return it ( the total cost of an item was {$190.00} ) but the store declined my item because the item was missing a security tag but they were the ones who took it of when I left the store, other than that the item had all the tags and everything and I didn't even wear it. I called Synchrony Bank about 5 times and filed 2 disputes but what they told me is that different stores have different policies and that they can not do anything about it. I still have the item and I want to return it ( it has all the original tags ).
Product: Debt collection

NEVER GOT INFORMATION ABOUT THESE SO CALLED ACCOUNTS? FROM THE COMPANYS
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : 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
Product: Bank account or service

I signed up for a CitiGold Checking account which promised a reward for joining of XXXX XXXX XXXX Aadvantage Miles. I was told on XX/XX/2016 what requirements I needed to meet by XXXX XXXX. On XX/XX/2016 I was told I met those requirements and that the miles would be deposited on XX/XX/2016. I have yet to receive the miles I was promised for opening the account.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX
Product: Student loan

I have two separate issues. 
1- I have been paying for 6 years and my balance has in some cases gone up. The interest accumulated exhorbutantly while still in school. I do not see how these will ever be paid. 
2- I am in a rate reduction program, for 15 months, and every month they mis-allocate he payments and I get calls and letters telling me I am delinquent, sometimes by a few cents. I call every month and it takes an hour to clear up. Also, last month, they " double dipped '' and took two payments. I consider this incompetence and harassment. It is horribly stressful, and no amount of " working with them '' is helpful. 

The loans, XXXX for XXXX daughters, are with Navient.
Product: Credit reporting or other personal consumer reports

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXXommittee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

See included attachment named XXXX XXXX XXXX XXXX XX/XX/2022. 
My response to Santander Response of my CFPB Complaint number XXXX XXXX XXXX XXXX XXXX requires much more than just a feedback as well as CFPB intervention. Santander is simply abusing with their power and money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX IS REPORTING XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - PAID OFF BUT AN AMT OF {$1500.00} XXXX. XXXXXXXX XXXX OPENED XX/XX/year> - I HAVE A PROVIDED THEM WITH MY POLICE REPORT SHOWING I WAS A VICTIM OF IDENTITY THEFT AND FRAUD. THEY STILL HAVE NOT REMOVE FROM MY ACCOUNT XXXX XXXX IS REPORTING 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 - PD OFF BUT AN AMOUNT OF {$1500.00} EQUIFAX BUREAU IS REPORTING XXXX. XXXX XXXX XXXX HITTING MY ACCOUNT BOTH IDENTITY THEFT. WAS REMOVED ONCE AND PUT BACK. ONLY SHOWING XXXX XXXX  ON XXXX OTHER CREDIT BUREAUS XXXX XXXX XXXXXXXX SHOWS XXXX CARDS ON THIS BUREAU ONLY - IDENTITY THEFT/FRAUD
Product: Credit reporting, credit repair services, or other personal consumer reports

Att Fraud Collection To whom it may concern, This is a reoccurring issue I have been having. I have already had this removed from my credit report twice, yet it continues to be fraudulently sold as a valid collection account. How this happens is beyond me. I had several issues with XXXX XXXX XXXX towards the end of XXXX and chose to terminate my account of more than 20 years. Before termination I was given a credit. XXXX XXXX XXXX then rescinded that credit and I filed numerous complaints with XXXX, FTC, Florida Attorney General and Consumer Affairs. After filing those complaints, I was put in touch with XXXX XXXX out of the XXXX XXXX XXXX Office of the President. He investigated the situation and reinstated the credit. This took care of my remaining balance, and actually left me with a {$12.00} credit that XXXX XXXX XXXX sent me via check in XXXX of XXXX. I still have said check. 

The continued attempts of collection concerning this account are invalid and fraudulent. I have once again filed complaints with the above mentioned consumer agencies as a new company, Receivables Performance Management has refused to remove this from my credit reports. I will continue to file disputes with XXXX, XXXX and XXXX concerning this, and have supplied them with the communications I had with XXXX XXXX, as well as the case numbers assigned to me via each agency I filed with. I can supply you with those same communications and my new case numbers for the complaints I have filed against Receivables Performance Management for invalid and fraudulent collection activity and for refusing to remove this from my credit report. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I do not have financing with this business and the inquiry is on my credit reports. 
Company : XXXX XXXX Inquiry date : XX/XX/year> XXXX XXXX XXXX XXXX, MI XXXX Phone number : ( XXXX ) XXXX Company : XXXX  XXXX XXXX. Inquiry date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number : ( XXXX ) XXXX Company : XXXX XXXX XXXX XXXX. Inquiry date : XX/XX/year> XXXX XXXX XXXX XXXX, TX XXXX Phone number : ( XXXX ) XXXX Company : XXXXXXXX XXXX  ( XXXX XXXX Bank ). Inquiry date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX Phone number : ( XXXX ) XXXX Company : XXXXXXXX XXXX. Inquiry date : XX/XX/year> XXXX XXXX XXXX XXXX, XXXX NO Phone number By mail only Company : XXXX XXXX XXXX XXXX. Inquiry date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone number : ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

Hey hope all is well. Cash app was taken money out of my account with out me being advised of contact. I tried my best to contact cash app to let them know about the transaction but I didnt get anywhere. I have filed a claim with cash app last year for the settlement because I received and email from cash app about the lawsuit to receive {$2500.00} XXXX and never received the money.
Product: Mortgage

We requested a payoff from OCWEN LOAN SERVICING LLC back in early XXXX, to payoff our mortgage, due to hearing from there collection department our mortgage is delinquent even with a payment received for XXXX. 
OCWEN informed us they do n't accept payoff request by phone, only mail or email. I explained to them we receiced a collection call for our XXXX 's payment and do n't know why because we made a payment and you cashed our check. That 's when I learned our mortgage needed to be paid in full come XXXX. 
We never received the payoff letter from them and again emailed them in late XXXX. They returned our cashed mortage payments to us for XXXX and XXXX and we still did n't receive any payoff information. 
They failed to even let us know this mortgage had to be paid in full in XXXX. We had no knowledge until last minute! We finally received a payoff figure and paid the loan in XXXX. Ocwen did send us a letter stating they would not reflect it as a late paymnent but then reported our mortgage delinquent for 251 days on our credit report. 
Our credit scores dropped to below XXXX creating an issue to obtain new employment. We, for 10 years, had always continued to pay our mortgage until the payoff was made in XXXX. We were never late and explained to them that they have cashed our payments up to the closing of XXXX. I also informed them we should have receiced at least 90 days notice prior to XXXX to inform us that this mortage had to be paid. They sent us below, the letter to me, that were n't reporting it late. But today its reflects late on all XXXX credit reports. They did send a letter stating it would n't be reported late because it was there failure to let us know and no delinquents would be reported. They have n't made any corrections. Today, we ca n't pass background checks for employment because of there errors.
Product: Debt collection

VIOLATIONS AS OF MONDAY XXXX XXXX : THIS COMPANY IMPERSONATED AN OFFICER OF THE LAW. 

This company filed a frivolous lawsuit never having spoken with the alleged consumer. 

THIS COMPANY HAS REFUSED SERVICE. 

FAILURE TO PROVIDE CONTRACT VERIFICATION AS STATED FCRA 609 TO ALLEGED CONSUMERS ; XXXX ; XXXX  ; AND XXXX. 



VIOLATIONS ARE AS FOLLOWS : For all intended purposes This Company shall refer to the following : XXXX ; SCOTT & ASSOCIATES , PC ; ITS SUBSIDIARIES AND OR COUNTERPARTS ; BUT NOT LIMITED TO. 

A DEMANDED VERIFICATION WAS SENT TO THIS COMPANY TO PROVIDE FCRA 609 & 611 ( EXACT SECTIONS WERE SPECIFIED ) .THIS CERTIFIED LETTER WAS CONFIRMED AS RECEIVED. 

THIS COMPANY HAS REFUSED TO PROVIDE VERIFICATION OF CONTRACT AS SPECIFIED VIA FCRA 609. 

This company spoke with persons other than alleged consumer regarding allegations. 

This company has violated FCRA 609 & 611 as stated confirmed as received via certified letters. 

This company has refused to provide verification to alleged consumer after having received numerous certified letters confirmed as received to do so. 

This company has written defamatory statements on alleged consumers credit This company has reported false inaccuracies on alleged consumers credit report. 

This company makes harassing calls to alleged consumer. 

This company believes themselves to be above the law and refuses to follow the law to provide the above. 

This company has several past and current class action lawsuits for exact same violations. 

THIS COMPANY IS PAST THE 30 DAY MARK TO PROVIDE VERIFICATION AND HAS NOT DONE SO NOR REMOVED THEIR ILLEGAL DEROGATORY MARKS ; INACCURATE CREDIT REPORTING AND DEFAMATORY STATEMENTS. 

This company has violated federal laws and is to remove any and all derogatory marks statements inaccurate and false Credit reporting for unverified allegations. 

This company has not provided any verification declared written under penalty of perjury under oath. 

This company seems to be confused that a mere stated belief is not a legitimate legal fact that would hold in any court of law.As they were obviously confused between what a fact versus a belief is ; were given lawful examples and exact legal verbiage of what is acceptable which is not e-Oscar. 

This company is in violation of all the above but not limited to and is past due to be held accountable.It is a federal crime to report inaccurate information on unverified Allegations. 

THIS COMPANY IS TO REMOVE AND AND ALL INACCURACIES WHICH ARE THE FOLLOWING BUT NOT LIMITED TO : ILLEGAL DEROGATORY MARKS REPORTED ON ALLEGED CONSUMERS CREDIT FOR UNVERIFIED ACCOUNT. DEFAMATORY STATEMENTS ILLEGAL INACCURATE CREDIT REPORTING ON ALLEGED CONSUMERS CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Also, there are XXXX negative items on my credit and those accounts should be included on my bankruptcy XXXX  XXXX XXXX on XX/XX/XXXX Respectfully,
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a fraud alert on my credit file with Transunion as I was the victim of IDENTITY THEFT yet after getting several calls from various auto dealers and lenders I requested a copy of my credit report only to find that over 10 companies accessed my credit report without permission. I specifically placed a fraud alert on my account to prevent this very thing from happening. Below are all the unauthorized inquiries on my credit report : XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX   Service DATES : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX , Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX XXXX  XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX XXXX XXXX  XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX  XXXX via XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX , Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX ( OLDER THAN 2 YEARS )
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 U.S.C 1681. ACCT Name : XXXX XXXX XXXX 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: Checking or savings account

I opened a online account with Ally Bank. My brother in life was helping me get through financial hard times so he set up a XXXX a week direct deposit from his payroll. He also XXXX money into the account. I gave him online access to my account. After 8 weeks of direct deposits Ally froze my account and failed to give me access to my money. Now over XXXX. I've talked with many people at Ally Bank that continues to lie. They told me 8 times they would send me my money. They have not. They know there is no criminal activity yet are holding my money hostage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Information was stolen due to a robbery. Need items listed on my FTC report removed asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX has violated my rights. 

15 US 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. " XXXX XXXX XXXX : XXXX XXXX, 2022 '' my ssn : XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Previous address : XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the recent reporting of a late payment on my open account with your organization, account number XXXX. According to the Fair Credit Reporting Act ( FCRA ), specifically U.S. Code 1666b, it is illegal to report a payment as late on an open account. According to 15 USC 1666b The law states payments can't be marked late unless procedures in section 1637b are followed which indicates that a notice by the creditor is mailed within 14 days before due date. Never have I received any thing via mail regarding my payment being late. 

I believe there has been an error in your reporting, and I request that you review my account records and correct any inaccuracies and reverse the payment status to paid on time. 

In accordance with the FCRA, I ask that you provide an explanation for this reporting and provide proof from the creditor that they were able to provide me with a notice in the mail regarding the status of my account. Please confirm that you have received this dispute and inform me of the resolution within the time limits established by the FCRA. I also attached a screenshot from a credit report that shows that a payment was made for the month of XXXX which would mean that reporting me as 90 days late is inaccurate. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

I requested the deletion of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to remove credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

After a detailed examination of my recent credit report, I noticed multiple accounts that seem to be fraudulent and were added without my approval.
Product: Mortgage

In XX/XX/XXXX I refinanced my home and paid off the primary and secondary mortgage with GMAC. When I went to apply for a line of credit at the beginning of XX/XX/XXXX the title report showed the second mortgage was not paid off. I have worked with the original title company XXXX XXXX, Ocwen, and sent the information to Office of the Consumer Ombudsman and still have not received a resolution. As you can see from the attached documents the loan was paid off and GMAC should have sent a " Satisfaction of Release '' like they did on the primary loan. I would truly appreciate any assistance you can provide.
Product: Payday loan, title loan, personal loan, or advance loan

on XX/XX/XXXX, I wanted to purchase a XXXX XXXX XXXX. I went to a dealership in XXXX Ga, and applied and was approved with a XXXX down payment. After a couple of days the XXXX was sold and the lender XXXX XXXX with Lendmark in XXXX XXXX, called me and said I was approved, and he had a guy that sell cars. So he had XXXX XXXX to call me and he sent me pictures of a XXXX XXXXXXXX XXXX  that was nice. So XXXX drove the suv to the store and I test drove it, and it was ok. It did have a squealing noise that later I had to fix. So XXXX bought the buyers orders, and I look at them, and did the paperwork with my down payment. Then after that XXXX did my paperwork electronically and I agree the payment of XXXX a month was ok because I told him I was gon na pay it off in a year. I also asked XXXX about a prepayment penalty and he said there was not one. He lied. XXXX never printed off the contract for me, never sent it to my email either, I really thought that I had it with my buyers orders, because if I knew the interest rate was 30 %, I never would have taken the loan for XXXX plus interest. So far I have paid XXXX in payment and XXXX down, but It is showing I owe more that I have paid out, and I have been calling for two weeks for a copy of my contract and payoff and no one have given me what I asked, XXXX at the XXXX XXXX finally sent me a copy of the contract, but not my payoff requested. Lend mark have nondisclosure issues and has been ripping a lot of people off, because I look at the reviews on the XXXX. I have tried reaching out to XXXX XXXX the loan officer with no response. I have reached out to Lendmark corp. office in XXXX XXXX, and XXXX XXXX XXXX. I have not made a payment for XXXX because they have not sent me my payoff. Their contact number is XXXX, XXXXXXXX XXXX XXXXXXXX, and XXXX XXXX the loan officer XXXX. This company need to be fined and or need to be sued under a class action law suit, for unfair lending and non disclosure lending practice.