23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was a victim of identity theft and noticed a collection from Financial Control Service I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Financial Control Service in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Debt collection

I don't have an account # XXXX with XXXX XXXX. If so, what's the phone number? This company has an address in XXXX and telling me to send payment in Michigan? This company is a scam. Company not even a registered entity for debt collections. CREDENCE RESOURCE MANAGEMENT , LLC XXXX XXXX XXXX XXXX, MI XXXX other address is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing you because I have a huge problem. 

I have for the past 6 months been disputing inaccurate items on my credit report. XXXX  and Equifax has neglected to respond to me and provide me the proof. Although they have continued to send me emails and tell me these accounts is validated. I have continued to ask them for validation and to this day I still have not received anything. It has been at least 60 days since I have first asked for proof of debt from both companies for the following accounts 1.XXXX ( XXXX ) - Unable to provide proof of debt within a reasonable amount of time. 

2.XXXX ( XXXX ) - Unable to provide proof of debt within a reasonable amount of time. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), these companies are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent accounts. 

I started my dispute process XX/XX/2021. 

My last disputes which were sent in on XX/XX/2021 which would be my fourth round of disputing these fraudulent disputes. I am deeply hurt because this is affecting my chances of getting approved for a mortgage. Please help. 

I would like both of these companies to remove these erroneous and fraudulent accounts from my credit report. 
.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex wife and I purchased a car through a local dealer and was financed through XXXX XXXX / XXXX bank. The car was in default and charged off. Upon the finalization of our divorce I attempted to provide the court order to XXXX which stated that my ex wife was solely responsible for the loan and XXXX refuses to accept the document and also to remove the loan from my credit report instead choosing to transfer me between two or three different departments in a round robin. Please help
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, inquiries, and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Late XXXX, I sent out a letter to Equifax to dispute inaccurate reporting. In my letter I requested that all NON-ACCOUNT HOLDING INQUIRIES OVER 30 DAYS OLD BE REMOVED.
Product: Credit card

Unauthorized Credit Card Transactions and Dispute with Goldman Sachs, XXXX, and, XXXX XXXX XXXX. 

On XX/XX/XXXX, my credit card was charged twice without authorization : XXXX ( {$110.00} ) and XXXX ( {$190.00} ). These charges were made by an XXXX XXXX XXXX company, XXXX XXXX XXXX for car recovery fees, despite the fact that the car was returned to a designated parking spot per their mobile applications instructions. 

As of XX/XX/XXXX, I have been disputing these charges with Goldman Sachs Bank USA for XXXX months. Unfortunately, I have not been provided with a clear method for arbitration. Instead, I can only re-dispute the charges every XXXX months. 

Complicating matters, the transactions were processed through a fourth party, XXXX. Neither Goldman Sachs ( the credit card company ) nor XXXX has taken responsibility for finalizing this matter. 

Below are some of the Dispute reference numbers that I have been provided by Goldman Sachs for the same recurring dispute. 

Dispute IDs/ Reference Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My information was stolen and my personal information was compromised and used to open up fraudulent credit accounts. I have contacted these companies and supplied all information that was required ( Police report, Fraud Affidavit, Copy of Social and Driver 's License ) and also filled out documentation that was sent to me from the companies. There has been no resolution for these fraudulent accounts and they are holding me responsible for me being victimized. I contacted " Chase Bank '' although it was deemed as fraud I spoke with a supervisor named " XXXX '' he told me that they don't have to clear anything, that they can do whatever they want until they find where the money went. I spoke with several representative at " XXXX XXXX Fraud Claim Department '' I was told that it was deemed as fraud, but then received a letter saying that I am responsible for this account. I contacted " XXXX Fraud Department '' after sending in all documentation, I was told that I am responsible for this fraudulent account. I have never had any accounts with these companies and they need to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX CONTINUES TO GIVE MY CREDIT SCORE A LOW SCORE. SO LOW THEY ARE AT LEAST 100 POINTS DIFFER THAN THE OTHER 2. WITH POSITIVE REPORTS FROM CREDITORS MY SCORE SHOULD BE GOING UP EACH MONTH AS THE OTHER 2 REPORTING AGENCIES ARE GOING UP BUT NOT EQUIFAX IT STAYS THE SAME. IT SAYS YOUR DOING A GOOD JOB ON YOUR CREDIT ON MY PAGE BUT THE SCORE STAYS THE SAME. DISCRIMINATION
Product: Mortgage

I have been trying Endorse my Insurance Check with my Mortgage Company Since XXXX 2017. I have Submitted and done everything they have asked for. I have called, emailed and received no response. every time I call and try to get through I am put on Hold for 10 min and then disconnected. 
this is the most Unprofessional Mortgage Company I have Dealt with.
Product: Debt collection

I received a letter from XXXX XXXX XXXX on XXXX XX/XX/2023 regarding a {$250.00} medical bill bought from XXXX XXXX XXXX. The letter gave the option of sending in their attachment disputing the debt and to have them forward proof this was my debt. I mailed this back on XXXX XX/XX/2023. XXXX XXXX XXXX failed to forward the proper documentation to prove this was my debt ( I still have not received as of XXXX XX/XX/2023. This is now a collection on my Experian credit report. As of XXXX XX/XX/2023, my XXXX score for Experian was XXXX. As of XXXX XX/XX/2023, it is now XXXX taking a significant XXXX point decrease. The real legal issue is with Experian. Any outstanding OR paid medical debt of {$500.00} dollars shouldn't be a collection account on Experian, XXXX, nor XXXX. This collection account needs to be removed immediately. XXXX XXXX XXXX isn't following Federal law and Experian should NEVER have placed a medical collection for {$250.00} on my credit report. I'm not requesting this to be removed. I'm demanding it.
Product: Credit reporting or other personal consumer reports

This is a formal complaint that Equifax is being willfully noncompliant and is continuing to violate my rights under the FCRA. On XXXX  I filed the following complaint with cfpb ( plz see complaint # XXXX ) This is a complaint that this company is in violation of the FCRA. On XX/XX/XXXX I made my third attempt at requesting the method of verification from this company, to which each time my request has been ignored and unanswered. This is a clear violation of the timeframe allowed by law. As a result the account in question is inaccurate, incomplete and can not be verified so please delete this item in accordance to 15 USC 1681i ( 5 ) ( A ) ( I ). The account is question is Department of education student loans to which each account reflects 6 late payments 0n 7 accounts. My complaint now is Equifax has not properly investigating nor respond to these violations. In my complaint I emphatically grieved the fact that I have requested method of verification on several different occasions sent certified mail dating back to XXXX of XXXX to which each time Equifax has denied my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } { Credit Bureau : XXXX XXXX XXXX { Credit Bureaus : ALL 3 } { XX/XX/2022 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XX/XX/XXXX. XXXX  } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX XXXX }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXXXXXX XXXX  }
Product: Credit card

This letter serves as a formal notice of dispute and intent to rescind the consumer credit transaction I entered on XX/XX/2023 for an open ended line of credit involving the acquisition of the platinum credit card Grounds for Rescission : My right to rescind this transaction is based on the Truth in Lending Act ( TILA ), specifically 15 U.S. Code 1635 ( a ). This section grants borrowers like myself the right to rescind within the earlier of : Midnight of the third business day following the consummation of the transaction ; or Delivery of the required TILA disclosures and rescission forms.

Failure to Provide Required Disclosures : I have not received all the disclosures mandated by TILA. Notably, I am missing the following : A clear and conspicuous disclosure of my right to rescind the transaction.

A copy of the Truth in Lending Disclosure Statement.

A copy of the rescission form.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to XXXX XXXX XXXX  ( see attached supporting documents ) expressing the errors they continuously keep reporting to the credit bureaus on my credit report. On XX/XX/XXXX, I sent them a second letter stating that it has been over 30 days and I received and reviewed my credit reports. I informed XXXX XXXXXXXX XXXX that they had failed to place my ( 2 ) accounts in a " disputed '' status which is required by the FCRA and the FDCPA. I informed them that due to them not correcting the information, AND by them failing to place the required comments on the accounts, the information was inaccurate, incomplete, and represented a very serious error in their reporting. I ask for XXXX XXXX to correct their error by removing the accounts. On XX/XX/XXXX, I received a reply from XXXX XXXX stating that since they are not a " debt collector '' they are not defined by the FDCPA and did not have to place the remakes or comply with my request. On XX/XX/XXXX, I sent a 3rd letter to XXXX XXXX once again explaining their error, expressing the serious nature of it, and also that they are an original creditor that are bound by both laws ( FCRA and FDCPA ). I further explained, even if they were not bound by FDCPA, the violation I am stating is based on the FCRA. On XX/XX/XXXX, XXXX XXXX XXXX sent me ( 2 ) letter that were an exact copy of the first two,  basically stated they did not have to correct the error because they do not fall under the FDCPA. These ( 2 ) account has cause me great financial lost in the recent past in the form of higher interest rates on my refinance. I have paid each account off as requested by XXXXXXXX XXXX XXXX in the recent past. XXXX XXXX still failed to change each account to a " closed '' status and failed to report the correct information, as promise to the me and the CFPB in a written letter. Why do I have to continue to suffer due to mistakes made on their behave. XXXX XXXX was made whole when they wrote the debt off, and made additional money when they sold the accounts to a collection agency, which I them paid. I do n't understand why they should be allowed to be " Bullies '' when they are paid, and I am only trying to move forward in life.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). As a victim of a data breach, these accounts were not authorized by me and must be removed immediately. 
The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On or around XX/XX/year>, I called XXXX XXXX XXXX XXXX XXXX XXXX  and asked that if I can defer my payment as I was in a declared natural disaster area per the impending hurricane, and was told that I could defer my payment for another month, until XX/XX/year>, without penalty. 

I received a letter from them in early XXXX to say pay by XX/XX/XXXX, or they will take adverse action against me. I called customer service and they said ignore it. 

I paid XXXX and XXXXXXXX XXXX payment on XX/XX/XXXX, contacted customer sefice, and they sais I was fine and no adverse action would be taken against me.

To my dismay, they reported my account late to all 3 credit bureaus in early XXXX, and my credit scores dropped dramatically. I called them, emailed them, they said they would fix it- which they have not! I disputed it with all 3 credit bureaus ( XXXX is still processing ), and they said I was still late. 

Shellpoint customer service agreed with me over the phone, said I was right, they were in error, yet I am still being harmed per the incorrect payment status/rating reflecting a let XXXX payment. This should have been corrected by now. I asked for help, yet I got completely screwed.
Product: Checking or savings account

On or about XX/XX/XXXX, I wrote a check # XXXX for {$3200.00} to Pa Dept of Revenue and it came back to the bank right away unendorsed and unsigned. 
I looked up my account with Pa Dept of Revenue and they never got the funds so I had to regenerate the forms and a replacement check which did come back properly endorsed. 
I called Citizens Bank and asked them to restore the money to my account for the unendorsed check. Instead they created a claim and asked for 6 to 8 weeks to process it. After 8 weeks the office of the chairman said they needed more time, Finally on XX/XX/XXXX they told me their claim was rejected by XXXX XXXX and therefore they were rejecting my claim. I then started a complaint procedure and they called me back and said I needed to contact XXXX XXXX as they were not going to restore my money. I am writing now because I feel I have been treated most unfairly.
Product: Credit card

Around XXXXXXXX XXXX Sears Citibank MC issued us replacement cards with new numbers. This apparently created some systemic problem that blocks me from accessing the rewards portal. I have used the online chat multiple times to no avail. Every time I call on the phone, they say it will be fixed in two to four more weeks. This has been going on for months. I have been patiently waiting to access the rewards and last time ( around XX/XX/XXXX - I wish I had dates for the other calls but I don't ) they swore up and down it would be fixed for sure by the start of XXXX but I just tried and got the exact same error loop as before. They are fully aware of it and though I ask - can I get new cards issued? Is there some other way to fix this? they say no, I just have to be patient. I now have like {$1500.00} work of points and I'm sure they're offering discounted e-gift cards I would want but as of now, no luck. And they refuse to issue e-cards with a phone request. 
They are completely aware of my problem, know exactly what I'm seeing and experiencing on the Sear MC and Thankyou rewards Citi site, and have even acted exasperated previously when I happened to call when the site happened to be giving everyone a problem for a while. They tell me I am just an unlucky person and almost everyone else has had their access restored. Without knowing anyone else personally that has ThankYou Rewards, I have no way of knowing if that is true or not. 
My account is in good standing and been paid off every month to XXXX timely since the XXXX So this has nothing to do with some failure on my part. Any help I can with this would be greatly appreciated
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX XXXX, Experian  & XXXX  : Thank you for sending me your internal records of the debt XXXX XXXX XXXX XXXX XXXX Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my IP Address " Session '' " Time Stamp '' and " Browser '' with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from XXXX  AND EXPERIAN  including reporting payments on a CLOSED ACCOUNT & RE-AGING THE ACCOUNT ( please see attachment ) which is in violation of the FDCPA. You stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files : XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX  XXXX Balance : {$14000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$460.00} ; XXXX XXXX  XXXX , MO XXXX ; XXXX XXXX XXXX XXXX  XXXX , MO XXXX ; XXXX XXXX XXXX XXXX , MO XXXX ; XXXX XX/XX/XXXX. 

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

**Consumer Complaint : Request for Correction of Inaccurate Information on Credit Report** XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/1982 Dear Equifax, I am writing to bring to your attention some inaccuracies in my consumer reports relating to late payment entries. I have carefully reviewed my report and found entries indicating late payments for an account with [ XXXX ] ( Account Number : XXXX ) for which I have maintained timely payments. As outlined by the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the accuracy of the information they report. I kindly requested a detailed re-investigation into the discrepancies, and I would appreciate verifiable evidence, such as account statements, substantiating any late payments, etc. If such evidence can not be provided, I request that my record be updated promptly to accurately reflect my consistent payment history, as stipulated in FCRA Section XXXX. Furthermore, I would like to remind you that according to the standard time frame provided by the FCRA, there are only four days remaining to complete the investigation from the date of my initial inquiry. I trust you will adhere to this timeline and keep me informed about the progress and eventual updates to my report.
Product: Credit reporting or other personal consumer reports

Experience has Failed to fulfill his legal obligation under the Fair Credit Reporting Act ( FCRA ) To conduct a reasonable Reinvestigation Of dispute on my credit report, Leaving on accurate or Unverifiable accounts Unresolved. The consumer financial protection bureau ( cfpb ) Has recently found a lawsuit to guess against Experian, alleging systematic issues such as Failing to forward Consumer provided evidence to furnishes, accepting unreliable responses, And failing to adequately Notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing harm to my credit standing. i am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inactive violates federal law and my rights as a consumer.
Product: Mortgage

XXXX XXXX dispute late payment XXXX XXXX XXXX dispute late payment XXXX