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

In according with the Fair Credit Responding Act the following companies has violated. I dispute the following with all 3 credit bureaus. I execersided my right under the Fair Credit Reporting Act, section 609, to request information regarding items listed on my consumer credit report the following bureaus. Transunion, XXXX and XXXX in XXXX, XXXX XXXX, XXXX and XXXX. I asked for verification of the account, wet signture and proof of ownership with original contracts or the have the accounts deleted right away. As per section 609. I send the police reports 7 times along with proof of identity as the credit bureaus had my social security wrong, my birthday wrong, wrong address and wrong number on my fraud alert.

15 U. S. C 1681 A. Section 602 1 : States I have the right to privacy 15 U. S. C 1681 A. Section 602 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX Credit bureaus are required to removed items if not verified within 30 days. This was never done and is a violation of my rights as a consumer. Please follow up regarding this matter as this mistakes had affected my quality of life, credit history and employment opportunities. Thank you.
Product: Payday loan, title loan, or personal loan

On or about XX/XX/2018 I took out a XXXX dollar loan with the company. I was told I could make it in payments of up to XXXX. I asked to have 1 payment pushed back and I was allowed to. I am unable to do any more deferments on the payments owed. The total amount owed is XXXX even after after having the loan for less then a day that is the total amount owed period. Even if I changed my mind on taking this loan out they then would have had me pay a total amount of XXXX no matter what. I am unable to pay this balance off in the needed time frame, and they are not willing to help me anymore.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, it's imperative to eliminate any incorrect accounts from my credit report. Could you please assess the documents? There are inaccuracies present in some of the listed accounts ' reporting.
Product: Credit reporting

I have sent in an Affidavit of Identity Theft back in XXXX 2015 to all three bureaus. XXXX has deleted the Public Records off but TransUnion and XXXX have n't, claiming it was verified, which is a boldface lie. Besides the public records, there where several fraudulently accounts open using either, my name, social security number and addresses that I did not live at, during the past several years. I 'm just becoming aware that I can fight and get these items removed because it was fraud. Even during the investigation someone tried to get cable service under my name in another state and I filed a police report immediately, when I receive a copy of the report from MN Police Dept, I faxed it in to all the bureaus, to show that even during an investigation of identity theft, someone was trying to open account yet again. Still no change with the removal of these adverse accounts of public records, cell phone carrier accounts and bank accounts continue to remain on my report. Faxed in all the required documents and with all that no change on TransUnion and XXXX part, if anything its been a nightmare being a victim of identity theft and then having to fight with bureaus is just insane. Then they keep adding additional things on my report, like where are you getting this information from? I 'm fighting to get things off and they keep adding thing. Then have the audacity to purchase their credit monitoring service, why would I purchase something and your reporting fraudulently items on my report? I have also requested removal of any other addresses and phone numbers, constantly told they will and to no avail additional phone numbers and addresses remain. Just want XXXX address and contact number, that 's it. How hard is it to do that? Its been an on going cycle since XX/XX/XXXX and I 'm just fed and ready to take legal action against them.
Product: Mortgage

In XX/XX/XXXX XXXX payments of approximately XXXX each were applied to our account in error. I called to make a payment and was advised our mortgage was paid until XX/XX/XXXX. I explained those payments were not ours and an investigation was done. A week later I called back and was advised the payments were correct. I again attempted to make a payment and was told they can not accept a payment that far in advance. This continued for several months. Finally the customer that made the payments contacted Roundpoint and were told we would have to pay they payments and late fees we were given credit for all at once. After several calls we were put on a payment plan and were told to pay {$750.00} per month which I told them we could not afford. The other customers payments were applied to our account because they entered the wrong account number. We do not want to lose our home. We would like this resolved by removing all negative credit marks on my husbands credit, removing all late fees and removing any past due balance on this account. This is under the name XXXX XXXX acct # XXXX Roundpoint mortgage servicing corporation. Phone number XXXX. I am authorized on the account and my name is XXXX XXXX address is XXXX XXXX XXXX, XXXX OH XXXX. Phone number XXXX
Product: Credit reporting or other personal consumer reports

My current address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The following addresses are currently on my credit report and these are NON-MAILABLE addresses that must be removed!! 

Please remove these PERSONAL INFORMATION IMMEDIATELY FROM MY CREDIT REPORT FOR THEY ARE NON-MAILABLE ADDRESSES : please delete this CURRENT address for it is NON-MAILABLE : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX  XXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX XXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX  XXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XX/XX/XXXXt account : XX/XX/XXXX( XXXX ), XXXX XXXX XXXX ( 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Because of their security breach Equifax consequently was ordered to pay {$100.00} to individuals or offer credit monitoring services. I already had and still currently have credit monitoring services and I do not wish for Equifax to handle credit monitoring services on my behalf based on their last " fiasco ''. They issued me check number XXXX which I have not cashed in the amount of {$12.00}. 

Equifax has arbitrarily gone against my decision to be paid {$100.00}. They have decided for me that they are only paying me {$12.00} ( an {$87.00} ) difference than what they were told to do. They did the same thing to my husband and he was told because he did not have credit monitoring services they only paid him {$12.00} ( this also was not true ) and they completely disregarded my daughter and did not issue {$100.00} or {$12.00}. This company, and credit reporting agency, apparently is doing whatever it feels like doing AGAIN. 

I want my check for {$100.00} period. They can not and will not force me to do business with them beyond what is already required.
Product: Debt collection

I pulled my credit report. I saw I had a collection from R.S. Clark and Associates. I sent a debt validation letter in XXXX asking them to see the contract as this debt was not mine. I asked the company to remove this from my credit report. I have called them several times and they are still " working on it ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my EXPERIAN credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Debt collection

I have notified Aldous and Associates numerous times that the debt has been paid for. I have asked them to contact the original creditor to obtain my paid balance info. Aldous & Associates refuses to contact the original creditor and requests that I send them a copy of the invoice.

At this time if Aldous refuses to contact the original creditor I will file a suit against the company and notify the Texas Attorney general for attempting to collect a false debt that has been paid.

Aldous & Associates has been notified that the debt is paid verbally and through written communication.
Product: Debt collection

I have an installment loan with Always Money in which I pay off on line. The payments are due the XXXX of the month, and II paid the XX/XX/2017 payment on XX/XX/2017 via debit card with a confirmation. I did receive an error message that the balance could not be updated. My bank stated that it cleared on XX/XX/2017 ; however, this store manager keeps calling me -- several phone calls on caller ID which I thought was telemarketing calls. Today, I answered the number and it was this store manager stating that I must pay on my loan because there is no record of my payment for XX/XX/2017 and that I am in default. I, immediately, stated that I should do a fraud alert with my bank because someone within Always Money must have taken it, and he stated no with a condescending-superior attitude. I stated that it was cold in my home -- heat pump problems. He wanted me to go out to the bank and do his research, but I refused. He kept stating that there were several banks in my area and I must go get a printout from the bank. I had just gotten home, my house was cold, recently completed XXXX, and he wants me to go out again driving on these icy roads to fix his problem. He then stated that a missing payment will hurt my credit, and I am thinking " why is he saying this to me '' because I always make my payments online and on time. I explained to him that I, also, have medical issues, and he stated that " you have all kinds of problems. '' I abruptly hung the phone up and tried calling corporate but call went to VM. I then called the XXXX, AL location and the manager there stated that she would research the problem and that it is not up to me to research the problem. This store manager in XXXX, AL is abusive, unprofessional, and not good at keeping records because the payment was made on XX/XX/2017 and cleared my bank on XX/XX/2017. Always Money should not be harassing me and criticizing my medical issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an account with Experian for a YEAR now. I have included all the letters that started back in XXXX of XXXX. 

I most recently sent them creditor verification for removal of this account on XX/XX/XXXX. 
I also included a copy of my credit report From XX/XX/XXXX and XXXX of XXXX. As you can see Experian deleted it ( I got notification on my Experian app that it had been removed ) and without any communication to me they XXXX it back on to my credit report, but changed the name of the creditor. You can see in the XXXX report its listed as XXXX ( which it has been this whole time ), On the XXXX report its listed as XXXX XXXXXXXX. 

They have violated MORE than XXXX FCRA regulations. As you can see both of the other bureaus have removed this account. This account was originally disputed because my information had been in a XXXX XXXX breach and this was XXXX of the accounts that was fraud. So after I sent in my police report, FTC Identity theft confirmation number, and dispute, Experian still refused to remove this account. And has yet to provide me with any documentation from the so called investigation they did. So a year of disputing this with them led me to again contact citi, to which they verified that the account was indeed fraudulent and I sent the letter to all three bureaus. 
Now this account should've been removed a year ago, but even at that this account is reporting PAID with outdated and unverified XXXX year negative history. which Ive also asked Experian to prove to me and they haven't. 

So, needless to say If this account is not immediately removed for good off of my credit report, I have a file of every single letter that Ive sent, all documentation from the police reports I filed, and every certified receipt copy of each letter I sent to experian, I will seek legal counsel and exercise every legal right I have against them for their blatant disregard for the law and carelessness on my credit report.
Product: Debt collection

XXXX XXXX XXXX XXXX Account # XXXX This letter is formal notice that you have failed to respond to my dispute letter of 3-19-24. I sent this letter certified mail and have enclosed a copy of the return receipt which says you received it. Federal law requires you to respond within 30 days. It has now been over that period since your receipt of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. 

I have been maintaining detailed records of all my correspondence with you. You may have misplaced my letters or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, I'm sure you'll want to handle this matter as soon as possible. For this purpose, I have included a copy of my original request, the dated receipt of your reception of the original letter and a copy of the proof verifying the incorrectness of the credit item you have mistakenly placed on my records. I was not given proper time to dispute the debt as well which is another violation of my consumer rights under 15 usc 1681 The following information therefore needs to be DELETED from the report as soon as possible : XXXX XXXX XXXX XXXX Account # XXXX Delete this erroneous item from my credit report as soon as possible. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX I XXXX Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists.
Product: Debt collection

In  XXXX   XXXX  I traded in my  XXXX   XXXX   XXXX   XXXX  for a New  XXXX   XXXX  lease. I was called by the dealership and they told me there was a loyalty program and I can trade 5 months early for a new lease. I told them there were  6 p ayments and I had excessive miles. I was told that here will be no money down and they will take care of all payments and miles. This is th e 4th tim e I have done this in the last 9 years. I signed the new contract at my home and they delivered the new car. 3 Months later I ran my credit and they are saying I owe them {$2000.00}. They first sent a letter in  XXXX  saying I own them {$17000.00} and I told them this was all part of the new lease. I have sen t 2 letter ( attache d ) and I have spoken to  MBZ Fin, they told me the will call me back and I have never heard from them. I have left 3 messages and sent 2 letter. They are currently   showing the payment 2 months late.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2023 I received a message from XXXX XXXX informing me that a change in my credit information has occurred as a result of a hard credit inquiry. On XXXX XXXX, 2023 I requested a credit report from XXXX, XXXX and, XXXX. On each of the reports I identified an erroneous name ( XXXX XXXX XXXX has been added to my record as well as, XXXX telephone numbers ( XXXX and XXXX ) and, an erroneous last XXXX digits ( XXXX ) of a social security number. Additionally, I noticed a hard inquiry dated XX/XX/2023, from XXXX, XXXX XXXX XXXX XXXX, IN XXXX, tel. XXXX, appears on all three of my credit reports. Also, there are XXXX soft inquiries from : - XX/XX/2023 - BEST EGG, XXXX XXXX XXXX, XXXX XXXX, XXXX, DE XXXX, XXXX. 
- XXXX XXXX, 2023 - XXXX XXXX, XXXX XXXX XXXX, # XXXX, XXXX XXXX, CA XXXX. 
- XX/XX/ 2023 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX. XXXX. 
I contacted the credit bureaus to request my records be corrected. XXXX proceeded to add an alert to have businesses requesting inquiries to contact me to confirm my request for credit. The credit bureaus are requesting I report the incidents to the FTC and/or law enforcement authorities in order for them to maintain the alert in my records and correct the erroneous information.
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA did a hard pull on my credit for an auto loan pre qualification. The consent form was extremely vague and I didnt understand they were doing a hard pull. Especially since normal business practices of other lenders is to just do a soft pull for prequalification purposes. The form just said that usaa would look at consumer reports. They didnt even give an example of what a consumer report is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX Balance : {$800.00} ; XXXX XXXX XXXX Balance : {$830.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$920.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$4900.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I am writing to mark a formal complaint once again concerning the predatory strategy, threatening foreclosure, government loan modification denial that CitiMortgage has been using over the past months to " drain '' of money since they are in the capacity out spend the consumer send the consumer there bill according to legal funding that is looking into my case. 
During my last complain, CitiMortgage committed to steps they CitiMortgage was will to take to resolve what could have be the solution I have been seeking and asking for over the months/years. To the mortgage company has continue their tactics and will not give any attention to what they say they will do the remedy the problem to begin a fresh start. 
Attached, kindly find supporting paper works to support that the action of the CitiMortgage this predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and DID NOT open these accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the documents supporting my dispute, Federal Trade Commission 's identity theft affidavit. Please delete the items as soon as possible. 

Fraudulent Accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX {$160.00} XXXX XXXX XX/XX/XXXX {$2700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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

my credit score was be affected. By this data breach. And information about me
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Guys. I'm glad I was able to find you. XXXX, Equifax, and XXXX XXXX are really upsetting me right now. Several months ago I disputed accounts that did not belong to me with the credit bureaus. I did it on XX/XX/20. I still don't have any kind of notification from anybody. Not even a notice from the collectors saying they received a notification from the bureaus. 

I also send them another notice on XX/XX/20. I don't know what's going on, but I need this investigation completed now. I don't want to wait months just to get them to START an investigation.