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

ON XX/XX/XXXX I sent a complaint to the company Experian complaint number ending in XXXX regarding the unauthorized use of reporting and to affirm that I do not owe the alleged debts listed. I demanded removal of all debts and compensation along with written confirmation that it was done. This was all submitted in relation to multiple consumer rights violations under 15USC 1681 and 1692. 
The company responded on XX/XX/XXXX that they needed additional info. Writer has been unable to contact the company via phone thus far. However, pursuant to 15USC 1692g ( b ) an Affidavit of Truth was mailed on XX/XX/XXXX and within it I requested verification. Per tracking all correspondence was received by agent XX/XX/XXXX @ XXXX and I am aware that pursuant to 15USC 1692c ( 3 ) if notification is made by mail, notification shall be complete upon receipt. Per law pursuant to 15USC 1692g ( a ) ( 4 ) and 15USC 1692g ( a ) ( 5 ) and per my request made in the affidavit the company had 30 days from the receipt to produce a point-by-point affidavit to validate all debts they allowed to be posted on their site. Subsequently, Experian is now in default must pay the invoice and remove all alleged remarks/debts listed in the affidavit sent. I am aware that an un-rebutted affidavit stands as truth in commerce.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX agreed to refund XX/XX/2023 purchase, but then only provided store credit. 

Barclay 's then refused to investigate after the charge was disputed, and declined to return my money.
Product: Credit reporting or other personal consumer reports

I am writing to you to address a persistent issue that has been affecting my credit reportrecurring fraudulent accounts. Despite my previous attempts to dispute and rectify these accounts, they continue to appear on my credit report, causing significant harm to my financial well-being and credit worthiness. 
The following accounts are the ones I am disputing due to their fraudulent nature : XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

Yes my name is XXXX XXXX XXXX I am a XXXX year old lady still working a full-time job trying to keep my home I have my mortgage through OCWEN LOAN SERVICE. MY PAYMENTS ARE {$570.00} A MONTH I HAVE BEEN SENDING {$600.00} A MONTH PROBABLY FOR THE LAST COUPLE OF YEARS I RECENTLY MAILED IN XX/XX/XXXX AND XX/XX/XXXX PAYMENT I SENT {$1200.00} THEY MAILED IT BACK TO ME AND TOLD ME THEY COULD NOT ACCEPT IT BECAUSE I DID NOT HAVE XX/XX/XXXX XX/XX/XXXX AND XX/XX/XXXX PAYMENT MADE I ALWAYS SEND A CASHIER 'S CHECK OVERNIGHT IT THROUGH THE POST OFFICE AND REQUIRE A SIGNATURE WHEN THEY RECEIVE IT I HAVE COPIES OF WORD SOMEONE HAS SIGNED FOR IT AND RECEIVED IT BUT YET THEY HAVE NOT APPLIED IT TO MY LOAN AND THEY CONTINUE TO SAY I HAVE NOT MADE MY PAYMENTS AND CHARGE ME LATE FEES I WOULD APPRECIATE IT IF YOU COULD HELP ME GET THIS RESOLVED. I hope I did this all correct I am not up-to-date too much on all this computer stuff but if you need any more information just please email me and I will get my daughter to help me do what I need to thank you XXXX XXXX
Product: Credit card or prepaid card

I had a XXXX unemployment card issued in my name I have never received. My information was used without my consent.
Product: Vehicle loan or lease

I am a victum of identity theft and inaccurate information. After reviewing my credit report with TransUnion, I noticed a fraudulent account being reported, XXXX XXXX XXXX and in several inquires from unauthorized sources, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. This is an issue of material fact and there is no doubt the information is insucient and is genuine of the material fact, and must be resolved against TransUnion. XXXXXXXX XXXX XXXXXXXX XXXX, XXXX. XXXX XXXX ( XXXX XXXX ). Please remove these items. Congress inacted the CFRA to protect consumers insuring fair and accurate credit reporting 15 USC 1681s-2 ( a ) ( 1 ). Entities that report information about consumers to the XXXX are called data furnishers and are not furnished information realted to consumer if the person knows and has responsable cause to believe the information is inaccurate ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX. 
XXXX )
Product: Debt collection

Repeated phone calls and this is a work phone I am a first responder. 


SWC Group
Product: Debt collection

If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is : XXXX XXXX XXXX I reside at XXXX XXXX XXXX XXXX APT XXXX XXXX FL XXXX. Please remove all other name variations IMMEDIATELY. They are inaccurate. MY CURRENT EMPLOYMER is XXXX All other addresses are not accurate. I was a victim of fraud and I need my correct information updated. Please REMOVE/DELETE these addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX WAY XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX APT XXXX, XXXX, TN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. The accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP XXXX XXXX  XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/23 I was approved for a loan for the amount of {$500.00}. I went through all the steps and have emails that every step was completed, processed, and funds were pending and were set to be sent on XX/XX/23. XX/XX/23 I called a representative and spoke about why funds werent processed in the account and their response was that I was denied because I have a stop payment in my bank account from a DIFFERENT merchant that has nothing to do with them. If that was a problem they should have denied me before approving me for funds that were pending.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2020 i had a conversation with Sunlight Financial Services. They claimed since i already had existing credit with them that i would be approved. So while extending and adding to my solar system on my home currently they asked to run my credit due to a name correction and nationality correction. After they got my information they then said due to their standards they couldn't not give me a line of credit that i already have with them and ran my credit number or score down. They new this before it was ran because I've been emailing them information and calling them asking questions. They have discriminated against my nationality. Based upon that i age of majority and fully competent they wanted to lower my score making it difficult to get credit. They also saw my identification and used me wearing a Turban to make their decision when before they saw that photo they been doing business with me for two years. They have also placed an illegal lien XXXX XXXX on my property and have never mailed me a copy nor email me a copy.
Product: Credit reporting or other personal consumer reports

I have had to endure gross customer service from XXXX XXXX, and received an incorrect pay off letter. Therefore, I dont trust them, because of their stall and procrastination with everything involved with me.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am submitting this formal complaint to report violations of the Fair Credit Reporting Act ( FCRA ) by [ Credit Reporting Agency Name ] regarding inaccurate information included in my credit report. Despite my attempts to resolve these issues directly with the credit reporting agency, the inaccuracies remain uncorrected, and I am seeking your assistance in enforcing my rights under the law. 

Details of the Dispute of Inaccurate Information : Incorrect Information on File : Name : Listed in the letter sent to the credit agency Address : Listed in the attached letter sent Phone Number : None to provide Correct Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Phone Number : noting Violations of the Fair Credit Reporting Act : 15 U.S.C. 1681e ( b ) : Reasonable Procedures to Assure Accuracy The credit reporting agency has failed to ensure the maximum possible accuracy of the information on my credit file, as required under this section.

15 U.S.C. 1681i ( a ) : Dispute Resolution After I submitted a formal dispute regarding these inaccuracies, the agency did not adequately investigate or correct the errors within the mandated 30-day period.

15 U.S.C. 1681n and 1681o : Civil Liability for Noncompliance The agencys failure to address these inaccuracies constitutes either willful noncompliance or negligence under these sections. 
Actions Requested : Require the credit reporting agency to fully investigate and correct the inaccurate information on my credit report.

Hold the credit reporting agency accountable for its violations under the FCRA.

Provide me with a resolution to ensure these issues do not recur in the future.

I have attached the following documents to support my complaint : A copy of my dispute letter sent to the credit reporting agency. 
My credit report with the disputed information highlighted. 
Proof of my correct information, such as government-issued ID and proof of address. 
Thank you for your attention to this matter. Please let me know if additional information is required to facilitate the resolution of this issue. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX Enclosures : Copy of dispute letter to the credit reporting agency Evidence of correspondence Highlighted copy of credit report Proof of identity and address
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX BALANCED {$1900.00} XXXX XXXX Original creditor : XXXX XXXXXXXX BALANCED {$370.00} XXXX XXXX XXXX Original creditor : XXXX XXXX CO XXXX BALANCED {$1200.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$930.00} XXXX XXXX BALANCED {$0.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX BALANCED {$24000.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$590.00} XXXX XXXX XXXX BALANCED {$620.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$290.00}
Product: Vehicle loan or lease

I got refered to them by my my son and they approved me but didnt no it was such high interest I had never got one before so at XXXX percent my payments of XXXX dollars was going all to interest never the veihicle and Im a single mom I XXXX my job because this vehicle is a lemon and engine blew on it 52 days after I got it I kept having problems took it in 2 times before engine went out when I got it back my check engine light was on and they said they dont no why and I needed my car to get to work and kids to school thats why I went and got it because I was in awreck that totaled my old one and so after replacement of engine because I did pay for service contract but they wanted me to pay for it to be towed and I could not afford that I did pay for it once and it was free from my insurance once and it broke down again after I had engine replaced power steering went out speed sensors on tires was broken traction control broken eqaust had holes in them I could not pay payment and mantaninse on it to I XXXX  my job then I couldnt pay payments with no way to work I put maybe 1500 miles on it at most
Product: Credit reporting or other personal consumer reports

I was automobile shopping in XXXX XXXX XXXX and I was under the understanding that I could have credit pulled and it would only have 1 inquiry within a 15-45 day spand, i was hit with about 10-15 inquiries from one car lot and I believe these should be removed from my credit report. 
From XX/XX/year> to XX/XX/year> I went to 1 dealership and had 12 inquires, all for auto finance
Product: Debt collection

This is a phone debt for my mother in law for XXXX. She passed away on XX/XX/2022. We attempted to contact them to close out the phone & settle up the bill. We needed a PIN before they could talk to us, which we had no clue what it was. They said they would need to mail us the info that we would need to provide before they could do anything. We let them know that there is an 'autopay ' that is being paid to them & that it needs to stop b/c that account had been closed. It was pulled b/c we didn't know the PIN. We were charged a {$25.00} returned payment fee. 

The final bill came for {$88.00}. Being that we owed {$63.00} for her existing service, we paid it but did NOT include the {$25.00} charge. We tried calling them to have them reverse the fee b/c the charge came in well after she had passed away, but we were told 'it 's a computer-generated fee ' & refused to waive it. We paid the {$63.00} only. 

For one, this is not our debt. Two, they charged {$25.00} for a deceased account when we had tried to clean up everything & wouldn't work with us, even though we had the XXXX XXXX. Three, it was for a returned check fee & they even though they can see how everything went down, refuse to waive it.
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 XXXX. 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 XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXXXXXX Balance : {$18000.00} ; XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX ; XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXXXXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had opened this checking account more than ten years ago with XXXX XXXX Bank, and when the account opened, there were no minimum balance or deposit requirement associated. 

However, since that time, it has been bought by Capital One, and Capital One has since re-branded their 'products ' so many times I have lost counts. 

I have been generally using using my joint account with my wife, and have not bother to use this checking account for years. By chance, one credit card payment was paid through this account in XX/XX/2019, causing the account balance to dip below a threshold amount. 

Since then, Capital One has been charging a monthly fee of XXXX until I discovered this charge. 

Capital One refuse to refund the fee, and said to me that " that has been the rule since the account was opened. '' This is completely untrue because this account was not even opened with them, they can not had this rule in place at the time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not begin made in error ; nor is my request to block begin made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer :
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 and XX/XX/2021 I received confirmation that my account was set on autopay. My account was linked via plaid. The email confirmations sent on XX/XX/XXXX, and XX/XX/XXXX state my payment is set for auto draft, but as of today they are reporting a 30 day late payment which is incorrect. There system has major technical issues ; their system shows as of today I owe {$17.00} while at the same time I have a XXXX balance. They confirmed via email that my balance is XXXX and they returned my security deposit in XXXX. In XXXX they sent notice that their system was having issues but they refuse to respond to my request to correct my credit report.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, I presume than no proof of the alleged debt, nor therefore any such debt in fact therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple attempts to receive my credit report from Transunion to no avail. They continue to generate error messages. I made an attempt on XX/XX/XXXX, and received no resolution until I purchased their monthly XXXX $ services. Note all I was looking at the time is my free credit report from annual credit report website which Transunion is supposed to provide, but they would not release it - would only release error messages and were not helpful through any of the communication channels. I am once again attempting to get my free credit report from annual credit report, and once again Transunion is generating error messages. They are not responding to any form of communication. 

Additionally, I am noticing my score drop significantly ( on XXXX  ) due to reported missed payments from XXXX. XXXX has notified me that they have not reported since XXXX, and I have no way to dispute the information that Transunion is reporting due to their dispute center not working, their credit report not loading, and their phone systems being a dead end.
Product: Credit reporting or other personal consumer reports

I have tried many times to remove all negative accounts off my credit report with XXXX. I had hard inquiries that were supposed to be removed automatically after being on my report for XXXX but they remained on my credit for over a month after they were supposed to be automatically removed. I have requested my credit report by mail and I never received it.
Product: Debt collection

I am writing to delete the following information in my file. The items i need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the federal trade commission identity theft affidavit. Please delete the items as soon as possible.
Product: Debt collection

You guy record me as i owed a debt with amount of XXXX XXXX and payment status is collection/charge off ( account status : derogatory ). Date reported : XX/XX/2021. The original lender is XXXX XXXX XXXX But the fact is that ive never been in that XXXX XXXX XXXX place before! I dont know what is it and where is it location! So why did i owed that lender a debt with the amount of XXXX XXXX? I dont know whats going on?
Product: Checking or savings account

On XX/XX/2020 two unauthorized withdrawals were made on my edd account. Complaint was filed early XXXX. Complaints filed with Bank of America have been unanswered. 

XX/XX/2020 Withdrawal # 1 : - {$500.00} posted Withdrawal # 2 : - {$100.00} posted
Product: Credit card

I had a balance of {$700.00} and made a payment of {$200.00} bring me a balance of {$590.00}? Being I do not use the card I was skeptic. I filled a online dispute with American Express. The only complaint I could make, XXXX Billing dispute ) was that I did not make this payment. I realized this was the wrong dispute being I did make the payment and contacted customer service right away. I was explained the details of the {$590.00} and excepted the explanation. I asked to have the online dispute closed and was told that the online dispute was closed. However, my balance is now {$790.00} and I do not use the card. I called American Express for help and was told that {$200.00} was being sent to my checking account without my consent and was being charged {$200.00}. I contacted my checking account and no money has been received from American Express. American Express says it will take 7days for the money to show up in my checking account. What STRESS.