23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This debt collector is not in compliance with the FCRA laws and this account is being reported inaccurately on my credit report by Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account Number : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX I am writing to dispute the validity of the account that has been reported on my credit report. The account is question is a charged-off account that has been reported by XXXX XXXX XXXX XXXX 
I am disputing this account based on violations of the Metro 2 credit guildlines. According to these guidelines, a charges off account should be reported accurately and fairly, and any inaccuracies or violations of these guidelines may result in the account being removed from my credit report. 
After reviewing my credit report and the information provided by XXXX XXXX XXXX. I have found several violations of the Metro 2 guidelines. These violations include : 1. Last Activity Date inconsistant across Credit Bureau 2. Remarks inconsistant across Credit Bureau 3. Times late inconsistant across Credit Bureau 4. Months reviewed inconsistant across Credit Bureau 5.Payment history inconsistant across Credit Bureau Based on these violations, I request that you remove this account from my credit report. I have already contacted XXXX XXXX XXXX and requested that they remove the account, they refused to do so. 
Please investigate this matter and remove the account from my credit report if you find that it has been reported inacurrately or in violation of the Metro 2 guidelines. 
Thank you for your attention to this matter. Sincerly,
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA these companies are in violation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute inquiries that have been on my report that I didn't authorize or don't recall. I have been asking for proof and I haven't received a response. 

XXXX XXXX XXXX NA XXXX XXXX XXXXXXXX XXXX XXXX NA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

My complaint is with Franklin collection service inc from XXXX, ms referencing account XXXX I did not engage in business with this company XXXX XXXX. I did not do business nor agree to do business with them. The debt is in in the name of XXXX XXXX. This is XXXX XXXX debt. 

I attempted to explain this to both XXXX and Franklin collection service and they stated they wont change anything.
Product: Credit card or prepaid card

I have an American Express Bluebird card # XXXX exp. date XX/XX/XXXX in my name, XXXX XXXX. On XX/XX/XXXX I went online to XXXX XXXX to see about sending my XXXX payments to this card. I moved a year ago, so I went about updating my account info first. 

When I got to the address section to update my info it said I had to enter a physical address ONLY, a PO Box address could not be used. I live in a very rural area, and USPS does not do home mail delivery of any kind. I have no option but the PO Box at the USPS office for mail delivery. All mail goes to " block boxes '' which are physical address based, or to a PO Box at the local USPS office. I have no say in the method the USPS uses to deliver my mail. 

I attempted to call the ( XXXX ) XXXX number provided by American Express Bluebird at least 10 times and  was unable to reach a customer service person. Every call wound up disconnected. On XX/XX/XXXX I tried the same number again with the same results. I then called another number I found online, ( XXXX ) XXXX, at which point I made contact with a CSR. 

The CSR I spoke with informed me I could not change my address to my PO Box and therefore must use a physical address. I explained the USPS mail situation in my area, and I was unable to receive mail using my physical address. I was told there was no way I could use my correct PO Box mail address, nothing could be done. I let the CSR know that this effectively rendered my American Express Bluebird card useless for my SSDI direct deposits or any other use at all. 

I read thru the terms/conditions info provided online and saw nothing which requires me to use a physical mailing address only for my card eligibility or use. The only places I was made aware of this " requirement '' was while attempting to update my info on the website and as stated to me by the CSR. I have no problem with providing BOTH my physical address AND my PO Box mailing address for their verification and record keeping purposes for my account. But they refuse the option of using both addresses, and therefore are refusing me the use of my debit card which they have issued me to use. 

It is my opinion that this practice by American Express Bluebird card ( as well as other card services ) is unfair and discriminatory. The card issuers require account holders to have a means by which they can make contact with customers via paper mailings, yet make some customers unable to comply by disallowing the use of PO Box addresses for mailings. People such as myself have no choice in the delivery of our USPS mail. This policy is also unfair and discriminatory to those who have insufficient or a lack of banking services available to use. I myself use a prepaid/reloadable debit card because my credit union is 60 miles from my home, and since its only a savings account I can only get an ATM card. That makes it extremely ( almost impossible ) to do shopping locally or online, auto-pay monthly bills, or conduct most all banking related activities. Policies such as the one I am making the complaint about push people out of participating in normal commerce, banking, and the economy unfairly.
Product: Credit reporting or other personal consumer reports

XXXX used misleading tactics to get me trapped into a loan and then charged it off to my credit reports without warning or understanding. They refused to work with me to resolve anything and they are destroying my credit reports. XXXX says that I owe XXXX. I never received a loan for that amount. They continue to report late and say that the loan closed on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly a charge-off of {$4100.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I have not now, nor in the past, ever had an account with XXXX XXXX. This false reporting of a charge-off account that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Student loan

The responses by Delta Management Associates to complaints filed on the CFPB website do not match the responses given by XXXX XXXX ( XXXX XXXX ) during a recorded phone conversation made by both parties on XX/XX/2020. 

Ms XXXX said the XX/XX/2020, garnishment would be refunded per the CARES Act. This information differs from the statement made by Delta Management to my CFPB complaints XXXX, XXXX, and XXXX. 

Delta Management has previously stated in response to my complaints that the wage garnishment on XX/XX/2020, would not be refunded. However, Ms XXXX stated during our phone call that the information provided by Delta in the complaint was incorrect. 

Ms XXXX stated the wage garnishment on XX/XX/2020, would be refunded. Which answer is correct? The answer provided by Ms XXXX or the XXXX who responds to the complaints? 

Delta Management claims to have sent a letter to my employer on XX/XX/2020, but my employer has not yet received the letter as of XX/XX/2020. Delta Management is unable to provide proof of delivery. Delta faxed and emailed the letter only after a complaint was filed. 

Furthermore, in regards to my garnishment appeal via XXXX, Ms XXXX stated that my garnishment should have been reduced to {$5.00} per pay period, since XXXX had found my financial situation qualified for the lower monthly garnishment. 

Ms XXXX comment confirms my previous complaint that XXXX and Delta do not take financial status into consideration and only use the maximum 15 % allowed under the law. 

In addition, Delta Management did not inform me that I had to contact them to request the wage garnishment freeze nor did they make mention of this in previous complain responses. This differs from information provided by Ms XXXX. 

Information provided by Delta Management in their complaint responses is not congruent with the information provided by Ms XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Account Number XXXX department was constantly calling my home and job and leaving my personal information with my coworkers. They left threatening messages and I was n't sure what they were referring to. This increased my stress level causing my XXXX XXXX to increase and I began to have further issues with my XXXX XXXX.
Product: Mortgage

Good evening, I am paying everything correctly. I have no late payments. When the pandemic hit me, they told me not to pay. It didn't matter to me that they put late payments on the loan and they didn't comply with me. Now they want to take away my property. Thank you.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

To Whom It Concerns for dispute resolution, XXXX for {$4000.00} at XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX for {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX I did not receive a letter in the mail for more information. I did, however, fax additional information to the dispute department. 

I kindly ask to reopen these disputes and settle in my favor. 

I request U.S Bank to investigate the transaction and provide me any information received by the merchant that help to make a decision. 

Additionally I was not notified by the case processor that the disputes were closed for any reason. I kindly ask to be notified by email next time.
Product: Credit card or prepaid card

I purchased an item from XXXX XXXX on XX/XX/2020. I returned the item on XX/XX/2020. I was still charged shipping and handling of {$21.00}. I paid the shipping and handling. They received the order back but did not credit my credit card right away. I was charged a late fee. So I contacted them. They kept saying I still owed the {$80.00}, which is the cost of the item minus shipping. I told them I did not owe them and to credit my credit card. They still did not do that. I did not pay anything more because I did not owe this debt. They even put it on my credit file as a late payment and it negatively affected my credit score. I called them again. They still kept saying I owe this money even though they had the item back and the shipping had been paid. Now they are still sending bills saying I owe over {$150.00} and that is all in late fees. It has again affected my credit score negatively. I do not owe these people and I want them to cancel these late fees and send information to the credit bureau that this debt is paid. It should never have gotten this far and I am tired of arguing with their incompetent representatives.
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and notice several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing accounts with the bureaus and have received no updates. Not once did I get any letters or were there any updates made to my credit file. There are serious inaccurate items that need to be removed. I have attached the latest letters sent but there have been more.
Product: Credit reporting or other personal consumer reports

The account is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in the accuracy and the reported payment history on this account is a mystery to me. 
SANTANDER CONSUMER U XXXXXXXX Balance : {$19000.00}
Product: Consumer Loan

On XXXX/XXXX/2015 I submitted a complaint against Santander Consumer USA in regards to overcharging me for an auto loan. There response was that the issue would be resolved within 60 days. It has been almost 1 year since then, and I have yet to be refunded any of the money I was overcharged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am receiving credit-related promotional material from many sources, at my home residence and my work address. The addressed name is not mine, but the street addresses are correct. I looked on my credit reports for the different agencies and there seems to be one address reported as a home address that is not mine at all. I wish to remove this address from my reports and also find out how to remove any associated accounts opened with my credit information but under this other person 's name.
Product: Money transfer, virtual currency, or money service

GM financial no statements request payments to borrower and not co borrower Dont get statements or anything about the lease nothing in my name just pay by XXXX XXXX and pay fee
Product: Credit card or prepaid card

I opened a Best Buy Visa Credit Card in XX/XX/2016. Unfortunately, I had been experiencing some kind of hardship recently at work, since I am getting my hours cut. I usually have been responsible on the payments and I tried to reach an agreement with the credit card servicer, and they refused to get me an additional one week extra to make the usual payment. They instead told me I will be charged a late fee in addition to the minimum payment I owed them. Best Buy Visa 's servicer ( Citibank ) had been the worst people to deal with, ever, as this is not the first time I can't reach an agreement with them and their attitude had been the worst as a matter of fact. I am trying to work things out in good faith but they always look for any kind of ways to win and ruin my credit.
Product: Checking or savings account

On XX/XX/2018 I paid my household bills. After I paid the bill I had a balance of {$340.00} in my account. The next morning I had a alert on my phone saying that my acct was in the negative. I looked at the transactions and realized that my payroll check had been deposited but there was also {$140.00} in fees from Suntrust. I called the bank and they said that it was a 2 hour delay in the time that my check was posted and the bills where paid. So that cost me XXXX dollars and nothing could be done about it. They said that they can see that it was only 2 hours but they have to charge the fees. My acct is in the negative {$24.00} dollars. But its in the negative because of the {$140.00} fees This is robbery. Its just not right and I want just let it go I work way to hard for my money.
Product: Student loan

Spoke with rep from naivent about XXXX XXXX XXXX being a closed school and that it needed to be removed from my student loan account and credit report because it is inaccurate and not verifiable. I was told it would take months to know something and that is will be on my report until XX/XX/2028. I have not received any up date on why a school that is no longer in business would stay on my student loan and credit report until XX/XX/2028. This has caused me a tremendous about of stress to my credit score and not being about to obtain credit with this errorous information on my student loan and credit profile.
Product: Bank account or service

i suddenly see my account overdraft ... i got charges for overdraft. they returned payment for XXXX charges. i had no idea what happened and i received no notice of whats going to happen or why. only aftger calling and being told that they can not help me and i can be transfered to a manager after holding for almost an hour. i was told to leave a message and a manager will call me back within XXXX to XXXX hours. I have still not gotten that phone call back. 
i then received a letter in the mail stating that a check that was deposited into my account in XX/XX/XXXX! XX/XX/XXXX!!!!! was now in XX/XX/XXXX!!! claimed by someone else ... what a joke??????? i have still not received my money back! i want them to credit my account for all the money and fees that resulted in and they send a letter to my insurance company explaining that i was not at fault for the returned items!!! i need to be compensated for this!!!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I initiated a monetary transfer to XXXX XXXX XXXX XXXX XXXX, but it was sent to a XXXX XXXX who I do not know. The company refused to help me in any way and asked that I contact the complete stranger and request a refund. The amount was {$120.00} and {$3.00} in fees.
Product: Credit reporting or other personal consumer reports

In my recent credit report, I suddenly notice that there was an inaccurate account. This was not sent in error.
Product: Credit reporting or other personal consumer reports

It was a huge shock and source of frustration to see erroneous accounts show up on my credit report this afternoon. I reviewed my credit report as I normally do, only to find discrepancies appearing out of nowhere. I tried refreshing my browser to see if it was a temporary issue, but the inaccuracies remained. I need a thorough check of the documents Ive provided so I can stop worrying about these issues.
Product: Credit reporting or other personal consumer reports

This account was opened fraudulently and not by me. This is a violation of my rights as a consumer. It has been sent to XXXX FTC, and Texas State Attorney General for the violations committed. I have not authorized for these alleged accounts to be added to my consumer report. Please note that I am the only natural person writing this statement with the help of no 3rd party. I never gave any consent to report anything on my consumer report.
Product: Mortgage

Recently Nation Star Mortgage bought my mortgage from XXXX XXXX XXXX. Correspondence from Nation Star was initial confusing and dismissed as solicitation ; however, after notices from XXXX XXXX XXXX that my payment needed to be redirected to Nation Star, I was able to reset my Bill Pay with my bank to the address noted on the Nation Star correspondence. Unfortunately that information was inaccurate and after a few calls to Nation Star I the issue was resolved ; however, I made XXXX month 's payments beyond the transfer of my mortgage to XXXX XXXX XXXX. I confirmed each time that they were sending it through to Nation Star ; however, Nation Star could not confirm this for both months and informed me I was late on my payments. They required me to confirm the debit from my account by faxing backing statements ; however, I do not have access to a fax and they would not provide an email address to send the confirmation electronically. After multiple calls to my back, XXXX XXXX XXXX and Nation Star I was able to pressure/complain enough that I was then provided an email address to send documents for research. To complicate the issue and transition, I had set my Bill Pay up with XXXX different address ( both provided in the Nation Star correspondence ) and sent XXXX payments in XXXX for my XXXX payment. I recognized the error with XXXX of sending the funds and was able to get my back to request a return of funds to Nation Star ; however, Nation Star was unresponsive indicating the excess payment was applied to my delinquent amount. After significant time and pressure I was able to get the Nation Star customer service agent to conference call my bank to confirm the debit from my account and to facilitate the requested return. Also via the conference call I was able to get confirmation of my prior XXXX payments to XXXX XXXX XXXX thus " documenting '' my payments. Nation Star indicated that since this was not documented they would begin to research the issue and track the missing funds through XXXX XXXX XXXX, despite my verbal reference to the payment and dates of payments to XXXX XXXX XXXX and my confirmation of receipt and forward of funds by XXXX XXXX XXXX via bulk payments to Nation Star. While I contributed to the current issue not transferring my payments on time to the new mortgage holder and by sending XXXX payments in error, resolving the issue through Nation Star remains exceedingly difficult and they have yet to confirm payments received from XXXX XXXX XXXX. As a financial institution I find their ability to track and respond to issue underwhelming. I was even told by more than XXXX agent that Nation Star is not a " large banking agent like XXXX XXXX XXXX '' as an excuse why the information could not be researched promptly. I will be shopping for a new mortgage, despite the expense of closing costs etc., to get my mortgage out of Nation Star 's hands ; however, I am concerned that my mortgage can simply be bought again by an agency with poor service and inaccurate financial processing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX  XXXX XXXX # Account # has violated my rights. 
15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.

Type this out exactly in this box of you want to input your info and remove instructional verbiage.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX