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

Credit reporting agency did not complete a thoughtful and fair investigation of an error I disputed in the past regarding account ending XXXX with XXXX XXXX XXXX XXXX XXXX. 

The credit reporting agency verified this account is reporting accurately. 

I would like it to be known that the credit reporting agency has verified a charge off account is also reporting available credit. 

How is it reasonable and possible for a charged off account is listed as a charge pff and have available credit????? 

I request this account is deleted immediately. 

I also have proof XXXX and Transunion are NOT METRO 2 compliant in reporting this account.
Product: Debt collection

These are two debts that I do not know or can not confirm were mine. it has been approximately 10 to 12 years ago. I was divorced approximately 12 years ago and any accounts at that time were settled or agreed to a payment plan for our dissolved business and personal accounts. Now this company whom said they served papers to me but did not.. ( it is possible they served them to my son of the same name ) The debts are # 1 ) XXXX credit card # 2 ) XXXX XXXX or XXXX XXXX  ... this debt is not mine. Or at least I have no recollection or proof of it. Now the collection company said they served me papers and have an old judgment ... they have attached my bank account for $ 2800+ For a debt that they say is over {$15000.00}. it is again very old and the other one is also very old there is no proof that these accounts are mine ... the company has not sent me any proof original signatures etc. they are only relying on they have a judgment that was granted to them. I believe with improper or illegal service of court papers. I do have a XXXX card and it is on my credit and I have made every payment as agreed this is an additional card that was close at the time of my divorce. I do not believe I owed two XXXX cards..I would like this company to remove both of these debts because their collection practices are being handled improperly. At first they scared me and I wasnt sure what to do ... I am confident now after speaking with the CFPB and the FTC they should be removed and collection attempts should stop as well as the company should reimburse any funds garnished/attached from my account.
Product: Credit card or prepaid card

I ordered a refrigerator from Lowes Home Improvement XXXX. They did not deliver it or call me on the deliver day. I looked at my account for Lowes online and it look like it was returned to their store, so I ordered a refrigerator from XXXX XXXX instead. In the mean while, Lowe 's created a new order and tried to deliver the refrigerator. When they the delivery person called me, I declined delivery of their refrigerator. The delivery person processed my decline as a delivered refrigerator and signed " N/A '' for my signature ( THIS IS FRAUD ) XX/XX/2023. I contacted the store multiple time by phone and in person asking for them to remove the charge since I never agreed to the purchase of the refrigerator and never received the refrigerator. They keep refusing to refund the charge of {$1100.00}. They sent me a gift card and told me to pay the charge with the gift card. I went to the store to attempt to use the gift card to pay off the charge, but the Lowe 's stated the don't accept gift cards for payment. I have not used the gift card. I opened another dispute with Lowes for the charge by phone. I received a letter from Synchrony Bank/ Lowe 's account XX/XX/2023 stating that they are reviewing my claim. Lowe 's still has my account with the refrigerator marked as " Return Received at Store '' XXXX.
Product: Debt collection

I received a collection notice from Gulf Coast credit bureau. I do not know what this is for. I have tried to call and email the company for details. They do not respond. They have already affected my credit.
Product: Credit card

I was a victim of identity theft. Someone stolen my identity and use my actual driver license, address, date of birth and social security number it to open a fraudulent account without my knowledge. I did not receive no money or no compensation for my identity that was stolen, and I didnt make the charge [ s ] : Capital one Quick silver XXXX Account # XXXX i respectfully request that your offices provide me with competent evidence that I have agreed to any legal obligation to pay you.I respectfully request that a Agreement that bears the signature or some instrument that carry my signature on this account or the items must be deleted from your report within the next XXXX  days. Under federal law, you have XXXX ( XXXX ) days to complete your investigation..
Product: Debt collection

My identity was stolen about a year and a half ago. This case was closed after doing all of the reports and case filings. Today, I received an additional letter in the mail from a debt collector. This was for an energy company that I have never heard of. This is one of the same energy companies that had an account opened by fraudulent information on myself. I did not open the account and this account is opened for about {$2000.00}. I called the energy company and The debt collection agency. Both opened referrals and cases against this fraudulent account. The energy company told me to file a report here so that is what I am doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a complaint with CFPB, Complaint ID XXXX XXXX against Transunion on XX/XX/year> because the company has failed to properly investigate the disputes I am submitting, validate the debt, or provide me with a written explanation describing the procedures they have used to investigate my disputes. I received notification from Transunion on XX/XX/year> that they have completed their investigation on my dispute and and verified the account as accurate. There is no way they completed a reinvestigation in 1 day and they have failed to provide any information on their investigative procedures, what company verified the debt, or how they know it is accurate. This is in direct violation of the Fair Credit Reporting Act ( FCRA ) and TransUnion is continually violating my consumer rights by not reinvestigating my disputes. Initially Transunion told me they were getting information from the XXXX XXXX XXXXXXXX for the account. I have supplied evidence that the XXXXXXXX XXXX XXXX does not report ANY information to ANY credit bureau. They then said they got the information from XXXX XXXX. I spoke with XXXX XXXX and they told me they are not reporting this information to Transunion and supplied me with my report proving the account is not reporting. I have been going back and forth with Transunion for over a year and they keep validating the debt without investigation or any proof of an investigation.
Product: Credit reporting or other personal consumer reports

Around XXXX XXXX XXXX, I conducted an investigation of my credit report and found several items on there to be inaccurate. I sent the following request to Experian To whom it may concern : Upon inspection of my credit report, I noticed the following information is incorrect : My full name is : XXXX XXXX XXXX XXXX There should be no other names listed on my report. Please remove any other names you have listed as they are incorrect. 

My current address is : XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Any other addresses are undeliverable, and I have no access to them. Please remove any incorrect addresses immediately. 

My current employer ( s ) : VF Corporation.

There should be no other employer ( s ) listed on my report. Please remove all other employers you have listed as they are incorrect. On XX/XX/2024 at XXXX XXXX  I also made a call to Experian asking the representative to remove the inaccurate information. The representative refused to do so, even though I provided my correct spelling of my name, and correct addresses. ( Please ask for recording ). 

Under 15 U.S. Code 1681 e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681 I ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any informed dispute by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Mortgage

My loan was service transferred to SunTrust as of XX/XX/XXXX. I tried to call them to make a payment since my recurring payment was canceled. I was on hold for over 45 minutes. Instead of being able to pay at that time, I paid via online bill payment on XXXX because I did not have time to sit on the phone any longer. Per my bank, they received the check on XX/XX/XXXX. I called on XX/XX/XXXX to check on the payment and they said they had not received it but that I would not be charged a late fee because of the service transfer. I made a second payment online that day because the agent told me that I would NOT be able to set up recurring payments until I made a payment and if I made an online payment, I would be able to take care of if it that day. Thus, as of XX/XX/XXXX I had made two payments to SunTrust for the month of XXXX. After I made the online payment, I was still unable to set up recurring payments and the agent merely said oops sorry. Thus, I spent nearly an hour on the phone, made an extra payment since that is what they told me to do so I could set up recurring payments that day and I was still unable to set up recurring payments. Today, XX/XX/XXXX, I checked the Mail and I have a letter dated XX/XX/XXXX ( the day I spent almost an hour on the phone with them and made an online payment ) stating I'm delinquent on my loan and also a periodic statement saying I owe two months of payments and will be assessed a late fee. 

SunTrust is one of the worst loan servicer I have ever dealt with. I understand I have no control over who will service my loan but I hope as the CFPB you will examine their servicing practices. They are clearly understaffed because it takes over 30 minutes to get anyone on the phone, they are undertrained as they told me making a second payment would allow me to set up recurring payments but it did not and their periodic statements are printed inaccurately.
Product: Debt collection

In 2013 I applied for a student Visa card from Capitol One. The limit was {$300.00}. I called and told them my card was lost and I needed a replacement. I never recieved it so I didn't think twice about it until years later this portfolio recovery company was calling me and my mother and sending letter. I disputed it at that time. They denied my dispute. I even filed an identity theft claim with the ftc. My ex- roommate stole my identity. Now it's 10 years later and it's still giving me a low credit score!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all XXXX credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX Account Number : [ XXXX Reason : [ NEED 90 DAY LATE PAYMENTS REMOVED HAVE NO IDEA OF THIS ACCOUNT NEED REMOVED ASAP PLEASE. ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 

Sincerely, [ XXXX XXXX ]
Product: Credit card or prepaid card

PNC reported me past due 30 days in XX/XX/XXXX. Call was placed and matter was corrected. Past due status was corrected shortly thereafter and late pay was removed. Two months later, PNC once again reported me past due to all 3 credit bureaus. Balance has since been paid out entirely. Reporting should be corrected as it has lowered my credit score significantly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not properly investigating items being disputed on credit report. They haven't provided me with validation of debts per 15 U.S Code 1692g. They haven't provided me with validation of contracts from the creditors per 15 U.S. Code 78cc. Most importantly the violation of 15 U.S. Code 1681s2, which outlines the responsibilities of furnishers of information to consumer reporting agencies.
Product: Bank account or service

I was informed that I had a bank account opened in my name in XXXX, California since XXXX. I could'nt get any information from Wells Fargo outside of confirming that I 've been having this account and they allowed me to open another account. Checking and Savings in XXXX in XXXX. I called Wells Fargo to get information regarding to my other account to no avail. I was told it is a substantial amount. I just want information regarding the funds that mysteriously came up missing and was never returned from a Mortgage company.
Product: Credit reporting or other personal consumer reports

I have been trying to purchase a home and when I pulled my credit report I have noticed there were still Collections on my report that should have been gone. I have sent in numerous disputes and also contacted them dated XXXX/2023. These companies are reporting inaccurate information on my credit report. I have requested that they provide the factual information that I can verify to confirm the account belongs to me and show full ownership to these accounts and I have not yet received it.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the validity of the collection account associated with [ Account Number ] on my credit report. I recently obtained a copy of my credit report and noticed the presence of this account, which I believe has inaccuracies. 

Upon reviewing the details of the account, I have identified discrepancies in the information provided. I request that you investigate and verify the accuracy of the following points : 1. **Validation of Debt : ** Please provide detailed documentation verifying the legitimacy of the debt, including the original creditor 's name, the original account number, and the complete chain of ownership. 

XXXX. **Statute of Limitations : ** Verify and confirm whether the debt falls within the statute of limitations for collections in [ State ]. If the statute of limitations has expired, the debt should no longer be legally collectible. 

XXXX. **Reporting Dates : ** Ensure that the reporting dates on my credit report align accurately with the actual timeline of this debt. Any inaccuracies in reporting dates may be grounds for removal.

I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to dispute this information. I kindly request that you provide a written response within 30 days of receiving this letter. 

If you can not validate the debt or if any inaccuracies are found, I request the immediate removal of this collection account from my credit report. Additionally, please provide written confirmation of the resolution and any actions taken. 

Thank you for your prompt attention to this matter. I look forward to a timely and positive resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Clarity Services Inc after reviewing my credit report and seeing an inquiry done by the company. I asked that the inquiry be removed from my credit file because I did not authorize it. Clarity Service Inc responded to me by stating that can not investigate my claim until they receive appropriate of my identity. Clarity Services Inc is asking me to send them a copy of my driver 's license, social security number and date of birth. I do not feel comfortable sending them my personal information as I have no dealings with this company.
Product: Mortgage

My Mortgage loan was transferred to a Servicing Company on XX/XX/XXXX The Mortgage Company was XXXX XXXX XXXX. In XX/XX/XXXX I was laid off my job and got behind in my payments. I contacted XXXX XXXX for assistance and they a modification which was raising my interest rate to 8 % and placing {$37000.00} in a deferred status to lower my payment for a short period of time. They told me once I regained employment my loan could be adjusted back to the interest rate and also that the deferred interest may even be written off because of the dropping value of homes in my neighborhood. I agreed, and once I gained employment went back to have another modification. Bayview Loan Servicing told me they could not help me because they were the Servicing Company and they did not do modifications or refinance since I was not delinquent. I contacted  XXXX XXXX and they would not help. The Loan has now been sold to XXXX XXXX XXXX XXXX   XXXX XXXX. I have called to speak to someone there for the last three months, and have not been able to speak to anyone. Four years plus of paying all this interest plus having {$37000.00} just sitting is very frustrating. I am at retirement age with a upside down loan.
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 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 XXXXXXXX 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 card or prepaid card

My wife and I ordered a dining room table and eight all wood chairs from XXXX XXXX in XXXX Texas, the Merchant on XX/XX/XXXX for {$2600.00}. At the time the order was placed, XXXX of the balance due was paid with with our Citi credit card. Approximately XXXX week later, XXXX requested the remainder of the balance with the promise to deliver the table and chairs prior to XXXX. We paid the balance of the order on XX/XX/XXXX. XXXX XXXX did not deliver the products on time. XXXX said that the table and chairs would be available the first week of XXXX. On XX/XX/XXXX we drove to XXXX XXXX in XXXX to pickup our table and chairs. When we arrived, only the table was ready and Merchant said the chairs would be ready and would be delivered to our home within a week. After numerous text messages, Merchant delivered incorrect chairs on XX/XX/XXXX with the promise to return in a couple of weeks with the correct all wood chairs. After multiple promises to deliver the correct chairs, the correct chairs were not and to this day have not been delivered. Merchant has refused to pickup the incorrect chairs. 

Since we did receive the correct table, on XX/XX/XXXX we disputed the cost of the chairs, {$480.00}. On XX/XX/XXXX we received a response from Citi Bank denying our dispute based on information provide by Merchant and his bank, XXXX. The information from XXXX included with the letter in no way addressed the matter at dispute, that the incorrect product was delivered. In Citi 's XX/XX/XXXX letter, they requested confirmation that we have not received the correct product. On XX/XX/XXXX, I provided this information to Citi and included a text message exchange with XXXX of XXXX XXXX indicating that he agreed that he had not delivered the correct chairs and that he did not intend on taking return of the incorrect chairs. 

On XX/XX/XXXX, Citi requested documentation of the product ordered and the incorrect product and again requested proof of return. On XX/XX/XXXX, I provided a copy of the sales receipt showing all wood chairs were ordered, a picture of the chairs ordered and a picture of the chairs delivered. I further referred Citi to the text where merchant had refused to take the return. 

On XX/XX/XXXX, Citi again denied my dispute because they had not received proof of return. On XX/XX/XXXX, I called Citi to explain that Merchant has refused to take the returns and followed up with an email the following day. 

On XX/XX/XXXX, Citi again denied my dispute. 

In summary, we did not receive the chairs that we ordered, and we contacted XXXX XXXX numerous times to correct the issue. When the cost of the chairs were disputed, Citi Bank denied our return based on the fact that we have not returned the incorrect chairs even though Merchant has, in writing, refused to take the incorrect product.