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

I paid professional debt mediation a settlement for what I owed to XXXX XXXX XXXX IN XXXX WASHINGTON. It was settled as of XX/XX/2019. I recently have been trying to apply for a home but been getting denied because in the civil judgment portion of what is being pulled it still shows I have a balance which I dont. The court ( XXXX superior court ) says they need proof from the credit collection company certified proof thats its paid but the debt collection agency said they can not send that to the court to have this removed off of my file. I have never had this issue before. I am trying to fix my credit so that me and my son can move into a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Date : XX/XX/scrub>XXXX  Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) I am submitting this complaint regarding violations of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) by EXPERIAN. 
Despite my previous correspondence ( Letter XXXX XXXX ] and XXXX XXXX dated ( XX/XX/year> AN XX/XX/scrub>XXXX  ) which requested the removal of the above-mentioned account due to inaccuracies and failure to validate the information as required by law, EXPERIAN has not conducted a proper investigation nor provided the required documentation. 
Reasons for Complaint : XXXX. Violation of the FCRA : o Investigation Requirements ( 15 U.S.C. 1681i ) : Your verification response did not include a sufficient description of the investigation process, as required by the FCRA. You failed to adhere to the obligation to provide a thorough and detailed account of the steps taken to verify the information.

o Permissible Purposes ( 15 U.S.C. 1681b ( 2 ) ) : The information provided did not comply with the permissible purposes outlined in the FCRA. The verification process failed to meet the established standards for handling and reporting information.

o Privacy Rights ( 15 U.S.C. 1681a ( 4 ) ) : The continued inclusion of this bankruptcy record and associated accounts infringes upon my privacy rights. The failure to follow appropriate procedures for handling sensitive information constitutes a violation of this section.

o Description of Investigation ( 15 U.S.C. 1681i ( 7 ) ) : Credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a dispute. To date, I have not received this required information.

o Invocation of 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) : I am invoking these provisions to request the removal of this account and to demand proof of its verification. The failure to complete this verification constitutes an abuse of my rights. 
XXXX. Violation of the TILA : o Disclosure Requirements : [ EXPERIAN ] failed to provide accurate and timely disclosures regarding the account status, breaching the TILA requirements. 


XXXX. Federal Consumer Protections : o Title 15, Chapter 41 : The failure to provide adequate proof and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws. 
o Public Law 91-506, Title VI, Section 611, Subsections A-D : This law stipulates the procedures for the removal of inaccurate or incomplete information from credit reports. The response and verification process did not comply with these provisions, necessitating the removal of the bankruptcy record. 

Immediate Action Requested : Delete Immediately for Violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) : XXXX. Creditor Name : Account Name : Account Name : XXXX Account Number : XXXXPresent below the inaccurate information persistently affecting my credit report.
Product: Credit card

CAPITAL ONE BANK USA NA the account was open on XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach :. 
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 was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

I see Last Reported date as well as Date Last Active is different from the three bureaus. It shows chargeoff and yet XXXX see balance and a past due in their reporting. This is a clear indication that the report is inaccurate. I demand this account be deleted immediately.
Product: Vehicle loan or lease

My loan on my car is reporting as closed, charged off. I called Santander Consumer & they just told me to continue making my payments but it will still show as charged off.
Product: Credit reporting or other personal consumer reports

Account Details : Creditor : DEPT of Education / XXXX  Account Number : XXXX According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. This account does not belong to me and is causing significant harm to my credit score and overall financial well-being. Below are specific sections of the FCRA that support my request for the removal of this erroneous account : Section 611 ( 15 U.S.C. 1681XXXX ) : Procedure in Case of Disputed Accuracy Under this section, if a consumer disputes the completeness or accuracy of any item in their file, the credit reporting agency must reinvestigate and record the current status of the disputed information or delete the item from the file within 30 days of receiving the dispute. 
Section 623 ( 15 U.S.C. 1681s-2 ) : Responsibilities of XXXXurnishers of Information to Consumer Reporting Agencies This section requires furnishers of information to report accurate information and mandates that they correct and update information provided to consumer reporting agencies to reflect the most complete and accurate information available. If the information can not be verified, it must be promptly deleted. 
Section 605B ( 15 U.S.C. 1681c-2 ) : Block of Information Resulting from Identity Theft As this account is potentially fraudulent, under this section, I have the right to request the removal of this information from my credit report.
Product: Checking or savings account

I have a checking account with USAA, a debit card linked to that account, and a apple cash account that used this debit card. 

On XX/XX/XXXX, I was XXXX XXXX XXXX by XXXX men who stole my phone and demanded my iphone password. They then sent themselves {$4700.00} via XXXX XXXX on my phone to a contact listed as " XXXX  '' : ( XXXX ) XXXX. 

I disputed this transaction with USAA as fraudulent and unauthorized, and they initially provided me provisional credit of {$4700.00} while working with the claim. After their investigation, they determined that these transactions were not fraudulent, and took back the provisional credit they gave me. 

I have since re-opened the claim with USAA, but I would like to file this claim because I am unsure if they will correctly determine that this transaction is fraudulent.
Product: Credit card

Received a Statement saying Account is 1 Month Past due. Minimum Payment of {$210.00} due XXXX/XXXX/XXXX. Called the Customer service which recorded and Gentleman said no Error on account and that there was no late payments and the Balance was no what stated and No changes have been made. He said he would make a note that there was issue with Account. Then I received a letter after discussing such issue the Company had cut my account to where my Credit Limit was below what Balance of card was. When talked to Company today XXXX/XXXX/XXXX XXXX pm the customer service said I had to late payments when I provided the on time payments with reference number. Stating only XXXX. I was 4 days late but paid first late payment. They said that the credit was reduced due to my Credit Score. Which is in question because when I questioned the Customer service why they doubled my Minimum payment that same day the Reduced my Credit Limit to new Balance. I have documents. When asked talk to a Supervisor over issue the said no one could help and would have call me back. With a long time history with on time payment with just few past couple days have had No past due accounts not paid. Question why they tried to double my payment when we pay more than the minimum each month. Also why did sudden change happen after such conversation of why citi asking for more than the Minimum. Two documents show usual payment of {$81.00} to {$200.00} in one month when payment ontime. And they cut my credit limit due to asking this.
Product: Debt collection

Midwest Recovery Systems placed a collection on my credit reports for a medical bill that I don't recognize. I was never notified by phone or mail about a collection. I disputed the collection, and they put it back on my report. I looked them up and their XXXX rating has been revoked for hundreds of situations similar to mine.
Product: Credit card

On XX/XX/year> at XXXX I ordered an expensive phone called ( XXXX Find XXXX ) from XXXX XXXX. The grand total was {$1200.00} exact. After I received the box that was supposed to contain the phone I set up another old phone to record the unboxing. I did this since I have had shady experiences with XXXX XXXX  sellers scamming me and sending me nothing inside the box. Once I opened the box I did NOT find a phone inside but just accessories. I have a video of this happening along with the shipping label matching the one on XXXX XXXX. 

After this I tried to solve this issue with XXXX XXXX but they denied my request to refund me. Saying they cant do anything since it says it was delivered. I tried to tell them I was not arguing against my package being delivered or not, I was arguing and saying what I received was not what I bought. Still sided with the seller. 

After this I filed not one but two disputes with the credit card that I used to buy the phone with on XXXX XXXX. The card is Apple Card By Goldman Sachs. On the first dispute they rejected saying I had no evidence. This was weird since I'm sure I attached images and videos along with an order pdf to make sure they knew it was the correct package. 
I file a second dispute saying I have no evidence XXXX again. This time I get on hold an Apple Card representative through apple 's chat. They tell me they had issues receiving my evidence. I have screenshots of me sending the email live to a representative and them saying they did not receive anything. This is indication of an Apple software issue that made it so my evidence did not go through. I am not allowed a XXXX dispute since I already did XXXX. 

Due to file limitation on the CFPB website I can only upload the heavily compressed video of me unboxing the box but I can provide the uncompressed video if requested.
Product: Credit card or prepaid card

I bought two rugs from XXXX. I tried to return one it had been a few months but they said they had a 7 day return policy so I was stuck with one I still havent opened in the shipping package it came in but I paid {$570.00} so I was stuck paying for both rugs. Which one of them I cant ever use its the wrong size and even in pristeen condition they still wouldnt return it. I since have tried to sell it and havent been able to. The problem that I called in for though was Ive paid the entire bill off and made my final payment in XXXX of 2022. It was on time and the balance payoff I paid. I got in the mail today a {$2.00} charge for XX/XX/2022 that they told me was for not having a balance. I have to have a balance to pay in order to leave the card open for having no purchases anymore. I planned on keeping it open but not making any future purchases but Im not paying once a month to have a card that is unuseful because I have been TOLD its not good to close accounts because it effects most credit reports negatively. So heres my question, is that not illegal to charge me just to keep it open? Im on XXXX and Im on a fixed income and what little I get I have been paying off 5 cards Ive paid off two. Ive attached the bill that came for XXXX and no where does it say that I have to have a balance on the card. I owe {$2.00} and Im going to pay it but I did close the account with the man I spoke to and they are sending me a copy of the paperwork showing that I paid it off and that its closed. Ive also have other cards with this company and Ive had problems with them too this company has too many cards that they supply for many different stores. Its Commenity.net. 
Thank you for your time and patience. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccuracies regarding the [ XXXX XXXX XXXX XXXX account listed on my XXXX credit report. Upon review, I have identified errors, These discrepancies adversely affect my credit score and financial standing. 

Please investigate this matter promptly in accordance with the Fair Credit Reporting Act ( FCRA ) and correct the inaccuracies. Enclosed are supporting documents for your review. I request regular updates and written confirmation once corrections are made. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Inaccurate Credit Reporting Dear CFPB, I am filing this complaint to address the inaccurate and harmful information being reported by the credit bureaus listed below. Despite my efforts to resolve these discrepancies directly with the bureaus, I have been unable to achieve a satisfactory resolution. 

Issues Reported 1. Account Discrepancy Creditor : XXXX XXXX Account Number : XXXX I do not recognize this account, and I believe it does not belong to me. This account is causing significant harm to my credit profile. I request its immediate removal. 
2. Unauthorized Hard Inquiries Multiple unauthorized inquiries have been reported on my credit file, which were not initiated or approved by me. These include : Dates of Unauthorized Inquiries : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( multiple entries ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These inquiries were not authorized, and their inclusion on my credit report violates the Fair Credit Reporting Act ( FCRA ). 

Consumer Rights Violated Under the FCRA ( 15 U.S.C. 1681 et seq. ), I am entitled to : The assurance that my credit report contains only accurate, verifiable, and complete information. 
A thorough investigation of any disputed information, with results provided within 30 days. 
The removal of unverifiable or unauthorized information from my credit report. 

The inaccurate account and unauthorized inquiries have caused harm to my creditworthiness, violating my rights as a consumer.

Requested Resolution 1. Immediate removal of the XXXX XXXX account ( XXXX ) from my credit file. 
2. Immediate removal of the unauthorized inquiries listed above.

3. A corrected credit report sent to all creditors who accessed my file within the last 6 months ( or 2 years for employment purposes ).

4. Disclosure of the name, location, and contact information of the parties responsible for furnishing the disputed information. 

Failure to address these inaccuracies will leave me no choice but to pursue legal action for non-compliance under the FCRA. 

Thank you for your attention to this matter. I trust that the CFPB will ensure the credit bureaus take the necessary steps to resolve these issues promptly. 

Sincerely, XXXX XXXX
Product: Debt collection

I reached out to XXXX XXXX and asked for proof to show this account was mine, they didn't provide proof. From there a letter was sent to them asking them to please remove this account from my credit report. I explained to them the account wasn't mine and that I live in a rooming house and with the turnover in.the property I coupdnt file a police report because I didn't know I who it was. Midland has failed to provide proof of ownership.
Product: Debt collection

The CBE Group ( Collection Agency ) sent me a letter stating that I owed money to XXXX in the amount of {$950.00}. I have never shopped on XXXX. The company indicated that the debt was from XX/XX/22. I do not owe XXXX any debt. I suspect this is a result of identity theft. More importantly, the letter did not even state what I was supposed to have purchased from XXXX.
Product: Credit reporting

I have XXXX accounts that are reporting incorrectly on my report 1 XXXX XXXX this is reporting incorrectly on my report 2 XXXX XXXX this is reporting incorrect on my report
Product: Credit card

On XXXX XXXX, XXXX, I purchased a XXXX for {$6400.00}. I chose to take advantage of their financing option through Synchrony bank which was presented to me as a 0 % plan provided it was paid in full by XXXX XXXX. After XXXX XXXX, a remaining balance would cause interest to kick in retroactively. No problem - having the funds to pay for the bed was never an issue nor was I ever late on a payment. That 's because I auto-enrolled in monthly payments - increasing the minimum payments by at least 25 % to ensure the bed would be fully paid by XXXX XXXX. The math worked when the auto enrollment was set-up and I paid little attention to the account thereafter, other than to note withdrawals were being made from my bank account. In XXXX XXXX, I attempted to log on to my Synchrony account online and found I was locked out ( I have not been able to access my online account since ). I checked my records again and since withdrawals were still happening as planned, I did n't overthink it - I believed my final payment was to be made in XXXX, the balance would be XXXX and then the account would be closed and no interest would be due. Unfortunately, I received an email on XXXX XXXX indicating I now owed the retroactive interest of nearly {$2000.00}. I called immediately, was treated very rudely and told I still owed a couple XXXX dollars on the principal, and that was that. She said had I called 24 hours earlier, there might have been a different outcome ( interesting timing of that email ). After getting myself together, unsure of how the math worked when I set up the auto debits but conveniently did not at the end of the payment period, I called again on XXXX XXXX. I was told that if I could come up with some extenuating circumstance story, they would wave the interest. I did n't have such a story and do not believe I need one given that the payments were set up to uphold my end of the agreement. That day, I paid the balance they said was due on the principal at that point ( {$420.00} ) and closed the account. There is a balance now of {$1900.00} ( all retro interest ) which I contest based on having paid the principal in full in XXXX XXXX as agreed.
Product: Mortgage

Complaint after complaint, with Wells Fargo, only to be lied to over and over! 
In XXXX we began making house payments. I have shown you over and over that because of the illegal actions by Wells Fargo and companies. Receiving foreclosure notices by the second payment. XXXX alone in XXXX of XXXX. 
The 2005 statements that are all different and payments made to Wells Fargo! Im complaining about the payments that started disappearing from month to month. From XXXX we have sent on enough to prove that we have been the victim of Wells Fargos illegal actions from the first payment. To the loan modification that in one month we made 3 separate payments! When will Wells Fargo actually be help accountable for all the years of blatant theft fraud and knowingly continuing the illegal actions until XXXX or later? I have sent in proof of the amount of payments we made that just disappeared.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted to all three major credit bureaus copies of all checks that were made on my VA mortgage loan with XXXX/Nationstar since XX/XX/XXXX. The checks clearly show the payment made, cashed date by XXXX/Nationstar where they used XXXX XXXX XXXX. I also submitted to each of three major credit bureaus the payment history sent to me by XXXX/Nationstar since acquiring the loan. Yet ... I still do not show the payments, cashed checks being credited and corrected to my credit report. I only show on some credit reports XX/XX/XXXX, XX/XX/XXXX. Another XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX. Then I see another error with XXXX showing a MAJOR incorrect issue with the loan over {$200000.00} which is also incorrect. 
All three credit bureaus, you have received the proper legal paperwork showing all payments, cashed checks and payment history. I am asking before seeking media assistance in resolving this ongoing issue to please correct and credit my personal credit reports as should show reflecting as I submitted to all three credit bureaus via mail. That information was sent, received over a month ago. Yet, still my credit reports are not correct. 
This will be the final time, in which, if this does not finally get addressed I will be contacting media with regards to this simple issue that should had already been resolved. Such an easy issue, yet still after submitting all proper evidence showing all the payments I have made on this loan. All three credit bureaus still do not have the information, payments, my FICO score reinstated as rightfully should reflect on all three reports.