23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

problem with citi bank I returned what I purchased I also dispute online shopping which was from XXXX so technichly all that will give me a XXXX balance but Citibank wants me to make a payment I told them it does n't make any sense with all the credit my payment will make my account credit then I have to call citi again and request a efund for the credit balance the XXXX do n't get it I am not making any payments periods why make a payment then request a refund?????
Product: Credit reporting or other personal consumer reports

As detailed in CFPB complaint ID # XXXX, on XX/XX/year> I spoke to Synchrony Bank/Trust XXXX XXXX XXXX and when asked the verification question " What was the model of your first car? '' I responded with both the make and model ( accurately ), but was told that response did not match the system so I would be required to complete a multi-step verification process ( even after responding with the correct model name only ). During the multi-step verification process I provided personal information before deciding to abort the process due to multiple technical failures ( see CFPB complaint ID # XXXX ). DUE TO THE FACT THAT THIS PERSONAL DATA APPEARS TO HAVE BEEN GATHERED UNDER FALSE PRETENSE ( given the correct response to the original ID verification question ), on XX/XX/year> I spoke to Synchrony supervisor XXXX to request that any personal data that was collected before the multi-step verification was aborted be deleted from whatever system it may still reside on ( to prevent its potentially being hacked for malicious use ). XXXX responded that she did not know if any of the data was retained or in what system it may reside, and she would need to investigate and get back to me. HAVING RECEIVED NO RESPONSE after over a month, on XX/XX/year> I attempted to speak to XXXX but was told she was unavailable, so I left a message for her that I would be filing a complaint with CFPB in my attempt to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed this multiple times with the same result it remains on my report. The reporting is clearly incorrect and you have still yet to remove or fix it properly. These items are 4 Closed charge off accounts with the XXXX police federal credit union. That report charge off month after month these accounts have been closed since XXXX and XXXX. These are clearly violations of the FCRA and need to be removed immediately!
Product: Credit card or prepaid card

I called in, on XX/XX/XXXX to see if Im eligible for the pay over time feature. I was not but the representative I spoke with advised that if I upgrade my class American Express gold card to and premier American Express that Ill have it automatically. The premier gold cost more as well. I have tried for them to help me but they wont. They have the call recorded where she lies to me to have me upgrade.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. It has been brought to my attention by XXXX, that my personal information has been compromised in a XXXX XXXX XXXX, in XXXXXX/XX/XXXX After reviewing my credit report, I have noticed several accounts that I don't recognize. Due to my personal information being breached, I have submitted a complaint with CFPB, reporting all fraudulent accounts.Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.Here I have listed the compromised accounts. 

XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Transunion that under 15 U.S. Code 1681b - Permissable Purpose of consumer reports ( A ) In general subject to subsection ( c ) any consumer reporting agency may furnish a consumer under the following circumstances and no other ( B ) in accordance with the written instructions of the consumer to whom it relates That I XXXX XXXX never have Transunion or XXXX any written consent to report anything on my consumer report, no consent is identity theft. 

Concerning the accounts listed below as a consumer I am demanding a deletion of these accounts XXXX XXXX  XXXX account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX Transunion removed XXXX XXXX XXXX account XXXX XXXX but is still reporting XXXX XXXX account # XXXX XXXX XXXX account # XXXX And XXXX has yet to remove either all accounts listed in this complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that Equifax has been reporting inaccurate and incomplete credit information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. I have previously disputed this item with Equifax Reference number : XXXXXXXX XXXX XXXX Bankruptcy- Filed date XX/XX/2022 and in response Equifax verified the item as accurate, stating that they have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter, therefore the original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681I ) and the information must be deleted immediately. 
The U. S. Bankruptcy Court items listed on my credit file and per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which clearly state that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers such as XXXX who collect information regarding public cases from public records.

Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Equifax has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. 

If they fail to respond within 30 days of receipt of this letter will result in a small claims action against Equifax. I will be seeking no less than {$5000.00} in damages for, but not limited to 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer.

***I would like the bankruptcy information to be deleted immediately.

Attached is the letter from the court. the COURT does not verify with THIRD PARTY AGENCIES or CREDIT BUREAUS. ***
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft. My information was expose in both the XXXX  breach in XX/XX/XXXX and when South Carolina taxpayers were exposed after a server at the state 's Department of Revenue was breached in XX/XX/XXXX. I've noticed several accounts listed on my credit report that I was not aware of nor did I open or benefit from. 

PLEASE ACCEPT THIS COMING FROM ME, MYSELF, I WILL ALSO MAIL IN COPIES WITH MY SIGNATURE VIA CERTIFIED MAIL.
Product: Debt collection

At XXXX pm on XXXX XXXX, I received a call from XXXX from a female that refused to tell me what company she was calling from. She was just repeating that it was an important business matter. I advised her she needed to tell me what company before I verified any personal information. At this time, she identified herself as XXXX from XXXX I verified my name, DOB and address. She then told me it was a debt for around {$220.00} ( I do not remember the exact amount ) owed to Radiology consultants from a service in XXXX. I asked her if medicaid paid and she said that medicaid had paid. I asked why it was sent to their collection agency if medicaid was still awaiting payment or denial. She advised me I needed to contact medicaid. I asked XXXX NUMEROUS times if and when this was going to report on my credit. She repeatedly told me " at this time it has not reported on your credit. '' I told her she had certain laws to go by that gave time frames as to when debts would report on credit and she again told me the same answer that at this time it had not reported on my credit. I asked for the original creditor information so I can contact them and she said she did not have that information to provide me. I asked her if she was new and she said no, I asked her if she knew the laws and she said yes. 
I placed XXXX on hold and 3way in my fianc who has worked over 20 years in medical collections. I gave permission for XXXX to discuss any and all information with him. I told her I wanted to have a witness as to her refusing to tell me if and when it would report on my credit. She again said the same response of at this time it has not reported on your credit. He said that it is law that nothing under {$500.00} goes on the credit and she said that was correct. He then said that it is law to give me the original creditor contact information upon request. She told us again that she did not have that information for me and would send the information in the mail as a dispute. I told her that I am requesting it now at this time and need that information now. She said it was Radiology Consultants and gave a phone number XXXX. I repeated that back to her and she confirmed. After researching, that is not the correct name or phone number for the company. 

Not until I involved someone who was familiar with the FDCPA laws was XXXX willing to acknowledge those laws herself. If I had not involved someone familiar with the FDCPA, I could have been misled and not known my rights. There were several breaches of the FDCPA while on this phone call with XXXX from XXXX at XXXX. It is illegal for debt collectors to use deceptive practices when collecting debts and by this company refusing to answer my direct questions when they knew the answers, this was deception.
Product: Mortgage

As stated on the Consumer Financial Protection Bureau website, " Your mortgage lender is the financial institution that loaned you the money. Your mortgage servicer handles the day-to-day tasks of managing your loan. Your loan servicer typically processes your loan payments, responds to borrower inquiries, keeps track of principal and interest paid, manages your escrow account, and may initiate foreclosure if you miss too many loan payments. Your servicer may or may not be the same company that gave you your loan. '' Specifically, we are disputing a ) the identity of a true secured lender. Because of extensive criminal activity and fraud in this arena, we require proof of the chain of secured ownership from the original alleged lender to the alleged current lender. Further, we require proof that you are the entity that has been contracted to work on behalf of the alleged lender. I would also like to state that there is a difference between a LENDER, a SERVICER and an INVESTOR. We are specifically asking WHO THE LENDER is and this is the question that needs to be answered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a text message from this company asking me to run my credit I replied NO. I called XXXX to make them aware and would mark it as fraud. it has now shown on my credit report with an address in Nevada.
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 information, 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 & block any accounts or information which is found to be opened due to identity theft. The dispute accounts 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 block/remove these files. 
XXXX XXXXXXXX Balance : {$510.00}, XXXX  XXXX Balance : {$500.00}, XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$950.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00}, XXXX XXXX XXXXXXXX Balance : {$430.00}, XXXX XXXX Balance : {$0.00}XXXX XXXX XXXX XXXX Balance : {$1300.00}, XXXX XXXX Balance : {$520.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research accounts 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 accounts is 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, credit repair services, or other personal consumer reports

I recently sent multiple letters to Transunion and XXXX regarding the inaccuracy on my report showing a missed payment on XX/XX/2021 with XXXX. The payment was made is showing on my XXXX consumer report as paid but furnished on XXXX and Transunion as late. This a violation of the FCRA and is affecting my financial reputation.
Product: Debt collection

There is a medical bill on my credit report ( s ) from XXXX XXXX XXXX  XXXX in the amount of {$190.00}. I have NEVER been to this dentist nor had any work done by him. I am NOT responsible for this debt. I have NEVER entered into any contract with him and/or his office therefore this debt needs to be deleted from all 3 credit bureaus.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill is legal Obligation Under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of dispute information On my credit report leaving in accurate or Unverifiable accounts unresolved. The Consumer financial protection, Bureau ( CRPB ) has recently filed a lawsuit 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 disputes outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Kindly eliminate these inquiries. I lack any information on them, and the company proceeded without my consent.
Product: Debt collection

I started disputing this company in XXXX of 2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that the alleged debt belongs to me. This is the 3rd time this debt was sold after proving that this alleged debt isnt mine due to the companys insufficient proof and a copy of a printout bill isnt proof this is affecting my ability to get a new home. I don't know why I'm being treated like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was charged a late fee for a annual renewal of Comenity XXXX XXXX card- but I called and cancelled the subscription way before hand. They said they will take care of the 2 late fees and they did but my credit score went down over 100 points. How is this even possible?? On the report it stated that my account was delinquent- it wasnt my fault therefore I should not be penalized! My score was over 730 and now its down to XXXX! 
I always pay everything in full and I am Always on time with all my payments! 
Is there anyway to fix this?
Product: Credit reporting or other personal consumer reports

I applied for my XXXX XXXX XXXX XXXX I received a response from Experian that I had already received my credit report in the last 12 months. That is a false statement. XXXX stated I needed to provide proof of my address. Yet they sent the notice to that address. My address does not prove my identity which is why when you complete the request you provide name, birth date and social security number and address. 

The credit bureaus already have all the information and all that needs to be done is to verify my identity. They are refusing to provide MY credit report. 

I have also tried calling, but I just end up getting shuffled around a call tree with no results.
Product: Credit card or prepaid card

On XXXX, I purchased a XXXX XXXX freezer that was on sale at Lowe 's Home Centers, LLC, XXXX XXXX  XXXX XXXX, XXXX XXXX, CA XXXX. Price for the purchase of XXXX XXXX XXXX XXXX was {$710.00}. Price included discount and taxes. Why they are advertising and selling something they do not have is very misleading advertising. Especially when they know they can't deliver when promised. 

I was told at time of purchase that item was not in stock and would be delivered XX/XX/XXXX. That date was okay with me and I completed purchase. My Lowe 's credit card was charged the {$710.00} on XX/XX/XXXX and interest began to accrue. 

Lowe 's has much to learn from other companies that you shouldn't charge a person for something they have not shipped/delivered. I questioned them on this and got the response from Lowes, " company policy ''. Should be illegal to do this in my opinion especially if they know they don't even have it to sell. Not wanting to pay interest on a purchase I had not received yet, I paid the credit card statement balance in full, {$710.00}, before it was even due. 

On XX/XX/XXXX I contacted Lowe 's to confirm shipment was going to be made on XX/XX/XXXX. They told me that no, it was delayed till beginning of XXXX. Contacted Lowes again at beginning of XXXX and told no, now not getting until XXXX. Needless to say, enough was enough, I went to Lowe 's XX/XX/XXXX for a refund. 

I received a " refund '' receipt XX/XX/XXXX for the {$710.00} and it was as a credit to my Lowe 's card. I was told and they wrote on the back of the receipt, " Check will come in 2-3 weeks from credit center. '' I received no apology from anyone for my troubles. They get free use of my money for two months. What a scam. The least they could is say thank you. 

To top if off, I checked their website today, XX/XX/XXXX, and the exact same model is on sale again. When will they deliver XXXX? Yes, they do have a disclaimer that due to Covid their may be delays, but come on, be specific and say EXTREME delays. This is a scam to me and I can imagine how many people are being mislead on not only this item but probably others by Lowe 's.
Product: Debt collection

I called up the collection attorney that has my file asked them to let me set up a payment plan. they told me I have to send over my pay stub that they will take 20 % of my wages I told them I am a single mother of XXXX I can not afford to do that I can pay them XXXX on the XX/XX/XXXX and the XX/XX/XXXX. they said that is not acceptable they just will get a judgment against me and see how I like it when they garn my paycheck. I really do n't believe this is fair the debt turn form owing XXXX to XXXX. I was told that they do not care how many kids I have of who I have to pay in bills. they just need there money. I told them im willing to pay how come they can not work with me on my terms. XXXX said because we do n't have to we do not care about your terms only to get out money.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off on XX/XX/23. Here is my tracking numbers XXXX XXXX, Equifax XXXX, XXXX XXXX. To remove personal information I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution are suppose to share my information with third party people. 

These are a clear violation of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX 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

This is my eighth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My accounts with XXXX XXXX XXXX XXXX XXXX XXXXXXXXwas never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports