23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I contracted with a photographer in XXXX XXXX ; the photographer validly billed me on XXXX XXXX, XXXX, via my CitiBank card. I paid my Citi card bill on XXXX XXXX, XXXX. In XXXX, the merchant submitted a duplicate charge. I contacted the merchant ( by email ) and they agreed to reverse the charges. Something went wrong with that process ( the merchant claimed they submitted the reversed charge, but it did not come through ). I contacted Citi by phone and initiated a charge dispute, explaining all of the above. They sent me a form to complete " if providing additional information '', I did not have any additional information they would need, so I did not complete the extra form. They closed my dispute saying I had failed to provide the form. I contacted them AGAIN and read the wording to them that clearly says the form is only required when submitting additional evidence or information. Citi claimed however that the form is " required '' by regulation, and that I had to restart the dispute. I did this under protest, and they reversed the charge. However, since that time, and despite having emails from the merchant saying that the second charge is invalid ( a duplicate ), Citi has failed to resolve the dispute and continues to re-apply the charge, requiring me to continue disputing it over and over again. Citi is providing information from a third party ( XXXX the POS processor used by the photographer ) to claim the charge is valid. However, they are providing proof of ONE valid charge ( which both I and the merchant agree is the valid, initial charge ) and they have never been able to provide proof that the second charge is valid. Regardless of this, they keep posting the charge with each statement cycle, requiring me to keep disputing it. In my most recent dispute of the charge, I 've demanded that they permanently reverse the charge and do not post another. However, I am contacting CFPB to register a complaint about their handling of the dispute. They invalidly closed my initial dispute ; have taken far in excess of 90 days to resolve the matter ; and have accepted responses and " proof '' from a third party without ever contacting the merchant. They communicate with me by email but insist that I complete hard copy forms and fax them or scan them, and then indicate that my proof ( correspondence from the merchant ) is insufficient to overcome the proof they have on file ( evidence of only the single, valid charge ). I 've spent so many hours disputing this against my credit card company, when the merchant themselves admitting the second charge is invalid.
Product: Debt collection

I reached out to CREDENCE RESOURCE MANAGEMENT , LLC @ XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX on XX/XX/2021 about a alleged debt of {$200.00} that i dont owe.As of yet, i haven't heard from them concerning the information i requested them. This is damaging to my credit and stressing me out with this inaccurate item place on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Portfolio RC Account # XXXX Ending # 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 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT XXXX REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE ENCLOSED AND SENT THE FEDERAL TRADE COMMISSION THE INFORMATION ALONG WITH THIS AFFIDAVIT. I DEMAND THESE ITEMS GET REMOVED IF NOT I WILL PROCEED WITH GETING MY LAWYER INVOLVED WITH THIS INCORRECT INFORMATION THAT XXXX ARE REPORTING.
Product: Mortgage

Back in XX/XX/XXXX I received a phone call from a XXXX XXXX, originally called from the Carrington phone number XXXX and then called from XXXX saying that we have been pre - approved for a loan modification and our interest rate could be lowered to 2 %. We were sent paperwork stating that if we made our 3 trial payments on time we would be approved. The 3 trial payments were made via money gram. Once the payments were made we received another phone call saying that the taxes and insurance would also need to be paid and our payment for the next 6 months would be less and come XX/XX/XXXX, the payments would go to the normal payment after the modification. We went ahead and made the payment of the taxes and insurance and thought we were all set until we received another call saying that we need to pay a processing fee. Upon trying to made the processing fee payment the payment was rejected. 
the person or persons who have scammed us have the Carrington Logo and have our loan number and phone number. They had my cell phone as the contact number and called me. I am not sure how they got this information, but I have no other accounts compromised.
Product: Debt collection

I received a call from telephone number XXXX which belongs to .Stellar Recovery, Inc. No message was letf of any type and we become immediately harrassed at this and do not want this company to call us again. 

It is no way to do business when you leave no message and therefore I would not be interested in anyone from the company to ever call me whether it be by telephone, email or letter.
Product: Credit reporting or other personal consumer reports

I just checked and reviewed again my XXXX, XXXX and TransUnion credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my one of my numerous 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 an alleged fraud or extortion. 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 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Experian credit report, it shows XXXX as the merchant with no telephone number. I reported it fraud to XXXX  and XXXX  which they removed it promptly, but Experian won't. I have no idea who XXXX  is nor do I have any means to contact them. Bottom line, it is a fraudulent account and I demand it to be removed. 

On my Experian credit report, it shows XXXX XXXX that is in a charge off status. I reported it as fraudulent to all three credit bureaus which XXXX  and XXXX  removed it, but Experian did not. I have no idea who's account this is and I demand it to be removed.
Product: Checking or savings account

This is the 4th complaint or more on this issue however they ( Wells Fargo ) are not understanding the complaint. I am not complaining about a stop payment on the item that was paid in error, I'm complaining about the banker telling me that the item would not be paid but was and my account has been overdrawn since. This has been going on for 5 plus months. Now I'm at the point of going through XXXX XXXX, XXXX XXXX, lack of being able to conduct business with my checking account. An advisor in the civil court system in XXXX XXXX has advised me to file a civil law suit on the bank due to this approximately XXXX  item has caused in my life and livelihood. Unfortunately they have left me no choice. If this is not fixed in the next 10 days or at least a notice that it will be fixed in 10 days does not happen, I will file a civil law suit for much more money than 200.00, due to all this has caused in my life. This filing will be free to me due to COVID 19 and as per the court 's authorization.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department Equifax XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Charge-Off on My Credit Report Under 15 U.S.C. 1681i Dear Equifax XXXX Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report. 

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with 15 U.S.C. 1681i.

Verify the validity of this charge-off directly with the original creditor.

Remove the item from my credit report if it can not be verified or is found to be inaccurate.

Laws Being Violated : 15 U.S. Code 6801 : Protection of personal information. 
15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft. 
These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report. 

Relevant Law : 15 U.S.C. 1681i This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( XXXX ) Reinvestigation Required : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly of such dispute, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file, within 30 days. 

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response. 

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made. 

Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 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 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 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 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: Credit reporting or other personal consumer reports

the vehicle was charged off they said i owed {$0.00} because vehicle was returned. They then said i owe {$600.00} now they say i owe {$2100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The following debt collector and credit card account, and credit inquiries listed on my XXXX XXXX, Equifax and XXXX  credit report are fraudulent, unauthorized and not my accounts or credit inquiries : XXXX XXXX, {$220.00}, XX/XX/XXXX, XXXX, {$300.00}, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, Tbom/Cont fin, XX/XX/XXXX, XXXX XXXX XXXX  XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX. The accounts or credit inquiries arent mine and do not belong to me.
Product: Credit reporting or other personal consumer reports

Subject : Notice of Unauthorized Credit Reporting Violation and Demand for Compliance XXXX XXXX and Texas FCRA Identity Theft Fraud Laws Dear OPORTUNPROG, I am reaching out to address a concerning matter regarding the unauthorized reporting of information to my credit report, which is in direct violation of both federal and Texas state laws, including the Fair Credit Reporting Act ( FCRA ) and Texas Finance Code, as well as identity theft fraud laws, particularly Texas Penal Code Section 32.51.

It has been brought to my attention that OPORTUNPROG has engaged in unauthorized reporting to my credit report without securing my explicit consent. This action is a clear infringement of my rights as a consumer, as mandated by various sections of the FCRA, including Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ).

Moreover, Texas state law, as outlined in Sections 392.301 and 392.305 of the Texas Finance Code, emphasizes the importance of consumer consent in credit reporting activities and provides clear guidelines for fair reporting practices. Additionally, Texas Penal Code Section 32.51 underscores the severity of unauthorized access and misuse of personal information.

I wish to unequivocally state that I have not provided consent for OPORTUNPROG to report any information to my credit report. This lack of explicit permission constitutes a flagrant violation of my rights and could potentially harm my creditworthiness.

I demand, with utmost urgency, that OPORTUNPROG immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be considered willful noncompliance and may result in penalties under applicable laws, including identity theft fraud laws.

It is imperative to understand that obtaining consent is not optional but a legal obligation under the FCRA, Texas state law, and identity theft fraud laws. This is not a matter open for negotiation but a demand for compliance with both federal and state regulations aimed at safeguarding consumers like myself from unauthorized and damaging credit reporting practices.

I anticipate your immediate attention to this matter and expect that OPORTUNPROG will take swift action to rectify these egregious violations, thereby respecting my rights under federal and state laws.
Product: Mortgage

Covid-19 Happened. We lost the financial means that would allow us to make our mortgage payments. We called our mortgage servicer numerous times with 2-4 hr hold times only to be transferred to another line to hold for another 2 hrs and have the rep pick up and get disconnected. We did this process many times with the same exact result. Additionally, we left messages for them to get back to us, we sent many emails as well with no reply. We also, as instructed by their website and those who did answer the phones, went to the " XXXX  XXXX  XXXX  '' link with the intent to fill out the form they say must be done BEFORE they consider you and nothing was, nor still is, found at the link given forcing us to call back only to have the reps say, " that's strange, it should be there but let me transfer you '' ... .never ending cycle. 

On there suggestion, we tried multiple browsers, XXXX XXXX, XXXX, XXXX, XXXX, and on multiple computers and at different times of the day and night to no avail. We were forced to use the limited funds we have for food and emergencies during this time to pay for XXXX because on their Covid-19 website they state the following : " Customers should not stop making mortgage payments until they have been approved for an alternate plan ''. We can not do this again. We are only trying to receive the help that has been set up by the Federal Government during this time. No one reaches out, no one cares.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau is reporting a public record ( Bankruptcy ) that is inaccurate. After disputing this credit bureau reported that it is a valid item and will not be deleted. This company uses XXXX as a third-party provider, therefore they have not verified the information with the actual court. XXXX just like any other bureau is bound to report incorrect information. 

Furthermore, XXXX which is a third-party data provider for this credit bureau reports on public records , however when I asked XXXX how they verify protected public information on public records due to ss # redaction and certain sensitive personal information that is redacted they advised me that they sometimes try to match information by name or address which can be incorrect at times. So this information is not fully verifiable unless the credit bureau calls the bankruptcy court to verify, which again the court will redact information and is not allowed to share " personal information, such as socials by law ''. 

I attempted to fix this by calling the bankruptcy court listed on the public record " XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX '' and was advised that they do not report to any credit bureau and therefore they can't fix any error reported by XXXX, XXXX, XXXX, and or TransUnion.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/1990 Credit Bureau Name : transunion Transunion : XXXX XXXX XXXX # XXXX, XXXX XXXX, nv XXXX To whom it may concern, I am writing you because you are reporting increase on my credit port, that I do not recall please see items list XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX Please forward me any documentation, providing proof I apply for credit with this creditors. If you can not provide such documentation, then please remove inquiries from my credit file immediately sincerely, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, back on XX/XX/2021, I submitted all proper documentation to all 3 credit bureaus that I had been a victim of identity theft and including my reports, my dispute documents and a police report and Identity Theft affidavit. The bureaus have done nothing to help me remedy this situation, they didn't send me any correspondence, and therefore have violated the FCRA, that protects us. Should I remind you that even you all have conducted the study and stated that the bureaus have failed on so many levels to protect the consumer.
Product: Mortgage

In XXXX I short sale my home due to the market crashed. It was short sake through the XXXX program they had for XXXX families. I had a Home Equity Line of Credit and USAA had agree to release the lien because they took the settlement of about XXXX dollars. However few months later they froze my bank account and said it was due to non payment on the HELOC. They wouldnt unfreeze my account until we agreed on the remaining balance to be transferred into a unsecured loan. I had filled few complaints before and was told they will put derogatory Information on our credit report. Being in the military you can lose your job. Now the loan has been paid in full. However I received a letter in XX/XX/XXXX due to a recent audit the previous agreement was honored and remaining balance will be waived and credit report will be restore. Since they did not honored the previous agreement she forced into a loan. I had asked for the money I paid after the original settlement agreement. I keep getting the run around with no answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the first two weeks of XX/XX/2019, I submitted payments to Elan Financial Services to pay in entirety the account XXXX. The firm had issued late payment charges to me but it has since agreed to rebate those fees, which creates an account surplus. I have requested that they remove the late payment designation in the report because it is interfering with my VA mortgage loan application. My wife and I are in our seventies and we would like to purchase a home in Virginia to be near our family. MI am requesting that this late payment designation be expunged as soon as possible.
Product: Debt collection

A truck was rented and stolen from XXXX by an individual that used my credit card and impersonated me over the phone. There is an active arrest warrant for this person. XXXX advised me to call my credit card company, XXXX Bank, and dispute this transaction. XXXX XXXX investigated and credited the resulting charges back to me. I was verbally informed by XXXX loss mitigation that I had no outstanding balance. This was in XXXX of 2014. This year I have been contacted by a collection agency and was advised that XXXX is trying to collect the fraudulent charges from me. I called XXXX and they were no help and told me that the charges were my responsibility even though they were fraudulent. The total amount they are trying to collect is {$1200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Capital One Account # XXXX and Capital One Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is absurd. These debt collectors ( XXXX XXXX  ) are using the default date as the date they bought the debt. The original default date of the account they bought was more than 7 years ago.