23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I paid a collection company and they haven't deleted it with the credit bureaus. I was led to believe on the phone that when payment was received they would remove it from my credit report with the 3 reporting agencies. I have tried to dispute with the credit bureaus and the company but had no success. Please assist me in getting this removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent in a Dispute Letter to Equifax. However, I still haven't received a Response from my Initial Dispute. 

They've Received my Response on " XX/XX/2021 '' I've sent in Notifications, that has been CERTIFIED and TRACKED. EQUIFAX has TAKEN WELL OVER THIRTY ( 30 ) DAYS TO INVESTIGATE MY DISPUTE. 

EQUIFAX ARE IN CLEAR VIOLATION HERE. 

Please have them REMOVE THESE ACCOUNTS NOW, As it's in CLEAR DIRECT VIOLATION OF MY CREDIT CONSUMER LAWS & RIGHTS. 

I WILL TAKE LEGAL ACTION ....
Product: Credit card

I have had a credit card account with USAA for years as my father who served in the military did before me. USAA retaliated against me for questioning submissions to my credit bureau by closing my credit line.
Product: Mortgage

I was offerd a remodified loan. Due to the high equity in my Home, I was approved. My loan became unachievable after taxes and Hazard Ins. were added without my knowing, making my account several months past due, very shady. I agreed to the Modified trial period and made my payments on time. I recieved the Modified Loan papers in the mail with a two week deadline to sign. I noticed they added Hazardous Insurance and Taxes to my payment. After calling, I was told I did have to pay the Taxes but not the Insurance as long as I had my own policy, which I do. I tried calling and spoke with a represetative named XXXX ID # XXXX who was very rude and gave no explanation why I would have to pay them for an Insurance policy I already had. I called back and managed to be transferred to the Ins. Dept., who explained to me that not only did I not have to pay escrow for insurance but figurewd out they owed me a refund. Now, I do n't have much time to reply before this offer goes away and no where to turn.
Product: Money transfer, virtual currency, or money service

I was seeking to rent an apartment on listed on XXXX and XXXX. I found an apartment that I like and requested more info through the sites. I was contacted via email by a person who identified as XXXX XXXX. The person claimed to be the owner of the property. He contacted me and advised that there were several people that inquired about the apartment and in order to hold the apartment for me, Id have to make a deposit, pay first months rent, and a {$300.00} cleaning fee all totaling to {$3200.00}. He advised me that he had a death in his family and was unable to show the apartment as hed be out of town attending a funeral. He also advised that I wire transfer the payment to the following ( via wire transfer ) : Full Name : XXXX XXXX XXXX Bank name : XXXX XXXX Teacher 's XXXX XXXX Bank address. XXXX XXXX XXXX XXXX XXXX NY XXXX Account number : XXXX Routing number : XXXX Type of account : Checking Reference No : XXXX I sent the payment of {$3200.00} to the person. He confirmed and acknowledged receipt. I also signed the lease electronically. 

I felt that this communication was suspicious when he later changed his narrative and advised that the apartment would not be viewed until the day before move in day ( scheduled for XX/XX/2022 ). I immediately requested a refund. The person stated that the refund can not be wired back to me and hed send me an overnight check in the mail. 

I received an email from the person on XX/XX/2022. He claimed that he advised his bank account XXXX to send me a check for my refund and send him a check for his traveling expenses. He claimed that the bank account officer mistakenly sent one check that included my refunded along with his traveling expenses. He requested that I deposit the check as soon as I receive it and collect my refund and immediately forward him the remaining balance of the check. 

I received a check the following day in the amount of {$10000.00}. It did not look legitimate. The check was from XXXX. I contacted XXXX to make sure it was legit. I was advised that they did not have the said claim number or draft number. The was a fake XXXX check. 

I contacted the person back via email and text stating : Good afternoon XXXX, I am in receipt of your email ; as well as the check. Please be advised that I have reported this check as a fraudulent check. This matter is currently under further investigation and legal action has been set forth. Thank you. 

I received no further response. 

On XX/XX/2022, my bank deemed this incident as fraud but denied the money to be returned to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX   XXXX {$480.00} XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX  XXXX {$530.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX {$480.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that a new credit card from XXXX XXXX XXXXXXXX XXXX has been opened up in my name a few weeks ago. The person who opened the account sent {$1200.00} already and maxed out the credit card and defaulted the payments. Upon contacting the XXXXXXXX XXXX  they told me they will start investigating. 

They called me up today to tell me they do not think its a fraud because " someone paid the bill ''. Upon further inspection the XXXX XXXX rep told me that someone opened up an account in my name on XX/XX/2022. On XX/XX/2022 around XXXX XXXX XXXX  XXXX, a guy identifying himself as XXXX XXXX called XXXXXXXX XXXX and told them that he is my husband and that I had authorized him for this account. He then spent {$1200.00} on that credit card but also somehow managed to make a small payment. The XXXX XXXX account that was created under my name had the last XXXX digits XXXX. He also assigned an email " XXXX '' with this account. The address provided by the person who opened up the account -- XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX -- is not an address where I have ever lived or been to. 

The bank closed the investigation I asked them to conduct because they believed a " fraud would not make a payment with a checking account ''. 

Please help me with this. I am single, live alone, never been married. Whoever opened up an account under my name and is using my identity is a fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The name XXXX XXXX XXXX appears on my credit report I called XXXX XXXX and they became XXXX XXXX in XXXX They are aware that this XXXX XXXX XXXX is a fraud and trying to collect debt that does not exist from consumers My credit report says this account was opened on XX/XX/XXXX The amount they say I owe is {$110.00} Please contact me at XXXX and please stop this fraud from happening to me and others. 

Thank you XXXX
Product: Credit card or prepaid card

I received a pre-qualified offer from this company for a credit line up to {$1000.00}. I filled out the offer and got declined, but I also got a hard inquiry on my credit report. Given I was declined for a pre-qualified offer, I would like this hard inquiry removed from my credit report, as the offer was misleading. I would NEVER have risked a hard pull on my credit report if I thought there was a chance I could be declined. I have worked hard to control the number of inquiries on my report in my attempt to improve my score and this deliberately misleading ad has harmed my credit score with no benefit.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), it explicitly mandates that consumer reporting agencies, such as XXXX, Transunion and XXXX must conduct their responsibilities with fairness, impartiality, and respect for the consumers privacy rights. As the consumer, I assert my right, supported by 15 USC 6801, which emphasizes Congress 's policy that financial institutions must continuously respect the privacy of their customers and safeguard their nonpublic personal information. The entity supplying information to credit agencies, classified as a financial institution, is bound by these obligations. According to 15 USC 1681 section 604a ( 2 ), any consumer reporting agency can furnish a consumer report only in line with the written instructions of the concerned consumer. Both the financial institution ( Furnisher of information to credit agencies ) and the consumer reporting agencies, XXXX, Transunion and XXXX lack my consent and, more crucially, my written consent to furnish this information. Any form of consent, be it verbal, non-verbal, written, implied, or otherwise, is now revoked by me. Contrary to the provisions of 15 USC 6802 ( b ) ( c ), the financial institution failed to inform me of my right to exercise nondisclosure options. Moreover, as per 15 USC 1681C ( a ) ( 5 ), XXXX, Transunion and XXXX are unlawfully reporting adverse items without my permission, a violation of the law. Section 1681s2 ( A ) ( 1 ) A of the U.S. Code clearly stipulates that a person must not furnish inaccurate information to a consumer reporting agency. XXXX and XXXX are thus in breach of this requirement. Additionally, 15 U.S. Code 1681e mandates every consumer reporting agency to maintain reasonable procedures to prevent violations of section 1681c and to limit the furnishing of consumer reports to the purposes outlined in section 1681b. XXXX, Transunion and XXXX are failing to uphold these reasonable procedures. Lastly, according to 12 CFR 1016.7, I retain the right to opt out of your reporting services at any time, and I am hereby exercising that right. I expect these concerns to be promptly addressed to avoid legal repercussions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I mailed a certified dispute letter to AFNI inc and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/XXXX I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over XXXX complaints on XXXX they also have over XXXX complaints with the CFPB Demand A DELETION REQUEST OF THE ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

XXXX. XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax responded and totally ignored Athe FCRA laws put in place. The response give was long winded meant to discourage me in getting the inaccuracies removed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX 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, states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B, states 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, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX 've been fight the credit bureaus for the last 3 years I was in a data breach with Equifax.. and XXXX  XXXX who ever the person is they have my social security number and they still use my social security number apply for things. Mess my credit up..
Product: Checking or savings account

On XX/XX/year> I attempted to deposit {$1000.00} into the atm at Wells Fargo in XXXX, XXXX XXXX It is a common practice because I dont like having to wait in a long line just to deposit money. As I slid the money into the atm, it got stuck. The atm started to malfunction and an error message came up on the screen. I tried to reach in to pull my money out but the deposit door came down and locked my money inside the atm. The bank tellers told me that there was nothing they could do. They told me to call the number and file a claim. They called atm services and I was told it could take 5 hours for them to show up. I asked to speak to a manager, but was told she works at the XXXX XXXX branch. I tried to call and speak with her, but was never able to get her on the phone. I sat in front of the broken atm for hours until the atm tech finally showed up. He opened the atm door and pulled my money out. He said, that he was not allowed to give me my money and that he needed to print a " jam report ''. He claimed that once the claim department finishes their investigation, they would credit my account. How are you allowed to keep money that isnt even yours? The deposit never went through because your machine malfunctioned. To this date, Wells Fargo has not credited my money and I was told that it could take up to 10 days. I have called for an update and they wont give me any information other than it could take 10 days. I have no way of knowing when or if I will get my money back. It's ridiculous that I have to even file a claim for money that isnt theirs.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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. 
I request for an investigation to be made to remove the following late payments from my credit report : XX/XX/XXXX XX/XX/XXXX XXXX
Product: Mortgage

On XX/XX/2019 I secured a loan for a home that I purchased. XXXX XXXX XXXX XXXX. Loan amount {$75000.00}, Purchase price {$97000.00} appraisal value. The loan was sold to CITIZENS ONE, with a balance of {$75000.00} on XX/XX/2019. I received my first mortgage statement, and they are charging me PMI. I contacted CITIZENS ONE, multiple times and they 1st responded that I was not under 80 % ltv, to remove the PMI ( they finally used a calculator ), then on a second response stated I need to be under 70 % ltv. ( loan to value ) I have spent thousands on updates and the current appraisal is {$110000.00}. CITIZENS ONE is still charging me PMI. I've never missed a payment, and I make the payment due, 2 weeks in advance, and now @ 63 % LTV. CITIZENS ONE IS UNLAWFULLY CHARGING ME PMI
Product: Debt collection

A collection agency named ERC claims I owe {$5700.00} to XXXX, and they have added that to my credit report as well. 

I have never had any account with XXXX. I contacted XXXX and they agree they have no record of any account under my name or SSN. 

I believe that ERC is trying to charge me for an account that is not mine, either mistakenly or fraudulently.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of id theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt or credit management

Maine regulators were among agencies in seven states leading the enforcement effort, which included XXXX states. The money is split into roughly {$79.00} XXXX in penalties and {$920000.00} in administrative costs, according to the settlement.
Product: Debt collection

I HAVE OVER 50 ITEMS ( VIDEOS, Calls, emails, and pictures ) Of proof PLEASE DO ME THE FAVOR AND TAKE ME TO COURT PLEASE!!!!!

A complaint with the XXXX  is filled, numerous pictures and emails ( some attached ) proving the amount is completely wrong/ the balance is XXXX. I waited over months for them to fix the itemized document and they ignored me then sent the account to collections I I okayed them taking me to court ( bluffing to scare me into paying ) they breached the contract in numerous ways and know it that's why they quickly handed the debit off and literally refuse to speak to me now. No calls or emails received and when I do reach out I am hung up on as recently as XX/XX/2021. ( Proof in emails attached as well ) 1.the pipes where ruined while I was in the building and even after the fact ( sign telling tenants don't run the water until further notice on the door ) 2.I paid my last, first month 's and deposit and got non of it back 3. Proof in emails that I gave over 3 months notice!!! And even asked to stay of they would just fix the issue that breached our contract and they didn't 4.Pictures attached of how clean and fixed up I left the apparent and videos were emailed and saved. Showing nothing needed repair 5.I advised and they knew as seen in the text between me and the leaser that I was gone hints the electricity would be off and they said I " turned the switch in the basement off '' causing ( already damaged pipes ) more damage which is a LIE.they just wanted a discount for their repairs Everything about this is a scam look at the XXXX reviews from real people and not bots THEY ARE MONEY HUNGRY XXXX  DISCRIMINATING unprofessional people. That don't even call you or contact you back
Product: Credit reporting or other personal consumer reports

Actually, the problem started back in XXXX of XXXX when I XXXX XXXX XXXX. I had been working for XXXX XXXX in XXXX, XXXX. The injury happened and within XXXX weeks I would be laid off. This would create a financial burden which continues to haunt me even up through today. 
The lay-off would burden me in loss wages and the loss of health insurance. In fact, XXXXXXXX XXXX XXXX would be my insurer to ratify my situation. This was occurring in XXXX of XXXX. My unemployment would be through XXXX  and then XXXX  which was not even {$250.00} a week. Anyway, the XXXX did not happen until the XXXX of XXXX, XXXX. I wasn't able to find work until XXXX, XXXX and that didn't last but a few months. 
Work did not become steady until XXXX of XXXX. I hired onto a temporary agency which had me work with XXXX XXXX. XXXXXXXX XXXX XXXX ( XXXX ) was the temporary agency. There was a conflict of interest and I would end up switching to XXXX XXXX. The next year would be with XXXX XXXX while working with XXXX XXXX and XXXX XXXX XXXX. Eventually, I would be hired fulltime onto XXXX XXXX  as a XXXX XXXX XXXX  on XX/XX/XXXX. 
The struggle in paying bills came in XXXX. I was XXXX although there were restrictions in getting Social Security until XXXX and XXXX months. Anyway, I would go to J G Wentworth to help resolve my issues. Everything seemed fine until XXXX of this year when I tried to get a loan to repair my falling apart kitchen. This is when I realized that I had a collection placed on from XXXX for XXXX XXXX which was XXXX that had been negotiated through JG Wentworth. It was for the full amount even though JG Wentworth had negotiated the terms down lower. Since I didn't recognize XXXX, I called them to see who they were and they stated that I should continue to pay on the loan through JG Wentworth and that this collection would drop off after the negotiated was paid off by XXXX of XXXX. 
Ironically, when I hired the crew to repair my kitchen, I didn't realize the difficulty in getting a loan. Since I was unaware that I was going to have to get into a high interest loan, I chose XXXX XXXX which in turn tacked {$750.00} to do the loan with a high interest rate. Little did I know that they are affiliated with XXXX. What was interesting is that they don't report to the credit bureau. 
I called JG Wentworth about my disappointment of having this collection on my credit bureau because it hinders me in consolidating. Since I didn't get anything resolved, I figure another angle may be my best bet.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 reporting or other personal consumer reports

I want reported accounts and all Unauthorized Credit inquiries removed and updated. 

Unauthorized Credit inquiries 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