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

I have been accused for having a bankruptcy reporting on my consumer reports. I have been trying for over a year to have this removed from the credit reporting agencies, XXXX and LCI. I have a letter from the courthouse, stating that they do not report to the credit reporting agencies. They are in violation of FCRA Title 15 USC 1681 ( a ) which Congress states Accuracy and fairness of credit reporting. They are in clear violation.
Product: Debt collection

Had a call from this unknown #, leaving a message from " Harris and Harris ''. Went to research the # & it was from XXXX. Tried to call, but went straight to automated voice mail. Hung up & blocked # & still leaving the same message on my voice mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

To start off my XXXX complaint, I would just like to ask CFPB one question... Why are you allowing credit reporting agencies to commit Federal violations of the law?? The first evidence that I will be submitting is from a actual report from CFPB that was released on XXXX XXXX and is on the actual consumerfinance.gov website. In the report by CFPB it states that " Equifax, XXXX, and XXXX together reported relief in response toless than 2 % of covered complaints, down from nearly 25 % of covered complaints in XXXX ''. Also it states that Equifax promised to investigate but failed to provide the outcomes of their investigations to the CFPB and instead stated that they would forward the complaints to their " dispute channel. '' Lastly it states that " Equifax most often promised to open investigations and send the results to the consumers at later dates, but it would fail to provide the CFPB with the outcomes of the investigations. '' You can find this particular article at https : //www.consumerfinance.gov/about-us/newsroom/cfpb-releases-report-detailing-consumer-complaint-response-deficiencies-of-the-big-three-credit-bureaus/ Now the reason for my complaint is that Equifax has failed to respond to my dispute letters that I sent XXXX XXXX and XX/XX/XXXX. I deposited my disputes via registered mail with the U.S postal service along with a return receipt. I know that Equifax received my XX/XX/XXXX letter because I did receive the return receipt which was signed off by someone at Equifax by the name XXXX XXXX on XX/XX/XXXX. The letters that I received from Equifax are soley only asking me to verify my identity and asking me to send in identity documentation. Each letter that I have sent them since XX/XX/XXXX all had a copy of my drivers license, SSC, and electricity bill so I don understand why they would need any documentation when they already have it. 

Federal law requires you to respond within 30days, yet you have failed to honestly respond to my letters. Failure to comply with these federal regulations by credit reporting agencies are investigated by the XXXX XXXX XXXX ( see 15 USC 41, et seq, ). I plan on filing a complaint with the attorney general, FTC and possibly small claims court if this issue isn't resolved soon. I will be attaching copies of my dispute letters I sent, Equifax letters asking for verification, my id, ssc, proof of address, Equifax return receipt and the CFPB report I mentioned.
Product: Money transfer, virtual currency, or money service

This inquiry pertains to dispute case ID XXXX, in which I disputed a {$3300.00} transaction with the merchant XXXX. The dispute was justified, as I received incorrect merchandise, which falls under XXXX Dispute Reason Code XXXX - Cardholder Dispute - Goods or Services Not as Described or Defective. On XX/XX/XXXX, I submitted a PDF to Goldman Sachs containing all the necessary supporting documentation to assist in resolving the case. This included the order confirmation ( s ) with images of the items ordered, photos of the incorrect items received, and email correspondence with the merchant in which I requested to return the incorrect merchandise for a replacement or refund. Despite providing this comprehensive evidence, Goldman Sachs denied my claim, stating, We further investigated the dispute and reviewed any additional information that may have been provided. Based on our review, the original decision will remain because there is no evidence to substantiate the claim. This decision is both unfair and incorrect, as I have submitted substantial proof to support my case, yet the dispute has still been denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed arent mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account is not mine XXXX Account XXXX balace : {$580.00} please remove it from my credit report. 

this account does not belong to me i am not liable for this debt never belong to me remove it
Product: Credit reporting or other personal consumer reports

Several unauthorized accounts have recently appeared on my credit report, and theyre having a serious impact on my credit score. These accounts were opened without my knowledge, and theyre presenting a misleading view of my financial history.
Product: Debt collection

I took a payday loan and couldn't pay back. Two yrs later, received phone call from Global Asset Agency threatening arrest & jail if not paid. I have had them take $ XXXX/month from my Social Security XXXX-issued debit card. They have been paid {$300.00} of the {$400.00} owed. Saw article on the company saying they may be fraudulent. Started pymt on XX/XX/XXXX with {$25.00}. Pd $ XXXX/month XX/XX/XXXX thru XX/XX/XXXX. 

https : //www.consumer.ftc.gov/blog/2019/02/ftc-halts-another-phantom-debt-collection-scheme Not sure if I'm being scammed. Please help.
Product: Credit card or prepaid card

Date : XX/XX/XXXX Authorization Request Reference XXXX This is a authorization from me. I, XXXX XXXX authorize the person or the company to proceed and continue working on this matter above. This my complaint below. YOUR COMPLAINT AFFIDAVIT I, XXXX XXXX, the petitioner, witness, and representative for my wife XXXX XXXX stated that, I had P.O.A was uploaded on the complaint # XXXX by me including my driver 's license my wife 's ID card and copy of her social security number. I also stated that, I assist my wife because of her limited English and knowledge of our dispute with these credit bereua including, XXXX, XXXX XXXX, Experian, especially, the XXXX XXXX XXXX here on XXXX has had the major problem issue to report to the tree Credit companies above reported our incorrect social security. I do n't know if I made mistake, I can not locate the Complaint number above. I request the CFPB to send the POA including my diver 's license and the copy of my wife 's social security and her ID card to the 3 credit companies above to fix the incorrect information spell of her first name with XXXX, and to fix the last 4 digit of her social security including her last name if there is any inaccurate personal information with XXXX XXXX, and Experian as well. The spelling of her last name with Experian ( XXXX ) the correct is XXXX. the correct of her last for digit of her S.S. XXXX. I also request the 3 credit companies to fix my wife 's personal information so she will able to get better score on her FICO score Sent to company Status Sent to company on XX/XX/XXXX We 've sent your complaint to the company, and we will let you know when they respond. Their response should include the steps they took, or will take, to address your complaint. You should receive an update from the company within the next 15 days, and a final response within 60 days. Company still working Status Company response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. COMPANY 'S INTERIM RESPONSE We received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty ( 60 ) days from the date you submitted your request. Authorization needed Status Company responded there is an unauthorized third party on XX/XX/XXXX The company needs authorization from you to proceed with your complaint. We reviewed the complaint you submitted and sent it to the company for a response. The company has let us know that it needs authorization from you to proceed
Product: Credit reporting or other personal consumer reports

I asked for legitimate documents to prove the appearance of these items in the credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security number : XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX FL XXXX My employer is : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am part of the security breach. Their are several accounts that is being reported as late : XXXXXXXX XXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX. Was never late showing 5 late payments since XXXX XXXX XXXX ( I was in a payment deferment ) XXXXXXXX XXXX XXXXXXXX. I was never late in XXXX nor XX/XX/XXXX. I was in a payment deferment. 

XXXX XXXX Acct # XXXX opened XX/XX/XXXX. The acct is not mines. I am a victim of identity thief. Also XXXX XXXX XXXX XXXXXXXX. I am a victim of identity theif
Product: Credit reporting or other personal consumer reports

XXXX took over 60 days and still updated with the wrong information on my credit report. I am demanding that the following be removed for taking over 60 days to investigate. 
There are multiple errors on my credit report. I have requested deletion due to these and they refuse to delete the items and only update the data to make it even more incorrect. I would like these items removed permanently as required by law for wrong and inaccurate reporting on my credit report. XXXX XXXX XXXX opened XX/XX/XXXX XXXX formerly XXXX opened XXXX XXXX XXXX XXXX  XXXX opened XX/XX/XXXX XXXX XXXX Opened XXXX. XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Opened XXXX XXXX, XXXX XXXX XXXX Opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX XXXX XXXX - XXXX Reported : XXXX. XXXX, XXXX XXXX XXXX reported 2x on XX/XX/XXXX reported I have disputed every account listed here and nothing has been corrected or removed. So I am demanding removal and sanctions to the credit bureau for failing to accurately report my credit profile.
Product: Checking or savings account

On Friday the XXXX of XXXX i deposited XXXX checks into my business bank account. XXXX check was cleared and the other XXXX were put on a 2 day hold. The next day I contacted the bank manager and was advised that the fraud department put a 10 day hold on the these checks for suspected fraud. After being told this I contacted the bank back and gave them proof of the checks clearing the issuers bank account as well a letter from the issuer proving the checks were not fraudulent. This isnt the first time this bank has put these kind of unnecessary holds on business checks deposited into this account.
Product: Credit reporting or other personal consumer reports

After reviewing my submission I noticed that you stated that my account was properly investigated but how is that possible when some of the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are inaccurate? This is grounds for removal. 
They also violated my rights under 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 an account without my written instructions 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 
If these accounts are not removed I will be reporting you to the XXXX and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering Remove these accounts Account Name : XXXX Account # XXXX Account Name : XXXX XXXXXXXX Account # XXXX Account Name : XXXX XXXXXXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Furthermore, I requested you provide the following with my first dispute : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) You did not provide these four things please delete these accounts from my credit report. Thank you.
Product: Student loan

My loan was approved for XXXX loan forgiveness in XXXX. My balance is still reflecting a balance of over $ XXXX. I am trying to buy a new home and this is impacting my ability to. I do not want the account removed from my credit report but I would like the balance updated to XXXX and account noted as closed on my credit report.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX OF XXXX. I referenced the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) and the Truth in Lending Act ( TILA ) ( XXXX XXXX Code XXXX ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made on time : The payment was made before the due date, but it seems there was a processing delay on the creditor 's end. I have attached bank statements showing that the funds were deducted from my account well before the due date. 
Clerical error by creditor : XXXX XXXX  XXXX has admitted that the late payment was due to an internal error in their billing system, and I have attached a letter from the creditor confirming this issue. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my XXXX XXXX and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I have a dismissed chapter XXXX bankruptcy on my credit report which Equifax claimed was verified by The Bankruptcy Courts and I contacted the courts and they stated they do not provide infomation to the credit reporting agencies aIso I do not presently have a dismissed chapter XXXX bk in my XXXX XXXX. I forwarded Equifax a letter stating that the courts do not provide information to credit reporting bureaus be it through mail, email, phone or fax. The reporting date filed, reference number, closing date, and the courts name is not present which are alI over the place and it make no sense. I also sent them a letter disputing their verification method and that if it is not accurate the dismissed Chapter XXXX Bankruptcy should be removed. 
Chapter XXXX Bankruptcy Status : Dismissed Date Filed/Reported : XX/XX/2018 Reference # : XXXX Closing Date : XX/XX/2018 - Asset Amount : {$0.00} Court : Federal Liability : Exempt Amount : {$0.00}
Product: Mortgage

I have been trying to obtain a modification for this loan since XXXX XXXX and I have not received an answer. I have been working with XXXX XXXX XXXX and recently they sold my loan to BSI Financial Services. I honestly believe that this company has no intention of issuing me a modification for my home. I submitted a modification package In XXXX they review my file and told me I have until XXXX XXXX, XXXX to submit additional doc. I submitted the additional docs on XXXX XXXX, XXXX. I spoke to XXXX XXXX assistant and told him when to anticipate the documents because I was coming back from vacation and they will be submitted on time. I was told that once a modification was in place the property can not be sold. I received documents that my property has been sold. Then I receive document that the sale date was set for XXXX XXXX, XXXX. When I spoke to XXXX at the BSI he assures me that he would check that out and contact me. When we spoke he reassures me that there was no sale date set for my property. Yet I continue receiving court document of a court date. While I am waiting to hear the outcome of my modification, on XXXX XXXX, XXXX, I received a document dated XXXX XXXX, XXXX that they did not received my additional document so they can not issue me a modification and I have 30 days. Well the letter was dated XXXX XXXX, XXXX. So my question is ... 30 day from what date? I have called and left dozens of messages and no one has returned my call. Well, I do not know what kind of game they are playing. But the government need to put a stop to BSI and there unethical treatment toward consumer/borrower. I am in need of a modification for my home. I have a stable and sufficient income and I am more than able to afford this home. My place of employment is XXXX minutes from my home and I stay with my XXXX children. I am asking you to help me to work out this issue.
Product: Credit reporting or other personal consumer reports

I contacted Transunion in the middle of XX/XX/year> to update the XXXX Account XXXX. Transunion has refused to investigate this and has closed each dispute I've entered without investigating. XXXX has updated my report to show paid in full and closed with a XXXX balance. This account was paid in full and closed on XX/XX/year>. XXXX took over the servicing of all XXXX accounts. Attached is proof account is paid in full along with a letter from XXXX stating this and screenshots from XXXX showing it's paid in full and the full account history. I will contact a lawyer and seek further action if not resolved.
Product: Checking or savings account

I am a user on my daughter XXXX XXXX account. They closed it suddenly but they refuse to give us the full account number so I can change my direct deposit information at social security. They returned my first check that went to that supposedly closed account but refuse to return my last one that was almost XXXX
Product: Credit card

On XX/XX/year> we made a reservation for a car rental on XXXX. As it was confirmed we proceeded to make the rest of our trip arrangments. On arriving at the airport we were met by the shuttle driver who stated that there were no cars to be had as there were several conventions going on at the time. He was very adamant that it would be a waste of time to go to the XXXX XXXX. We tried to call the Rental Agency several times but each time were sent immediately to voicemail. We left messages but received no response. We then opted to have our credit card company dispute the charge of {$380.00}. They proceeded to issue us a refund but after 3 weeks re-charged our credit card for said amount. We provided all the information they requested and after several hours-long phone calls they determined that as we had no written paperwork from the Rental Agency and according to the Rental Agency 's No-Show policy, we were not due a refund. I could probably survive an almost {$400.00} hit to my budget, but it seems our credit card company would rather let us take the hit than fight for us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was discharged form a Chapter XXXX Bankruptcy on XX/XX/2018 ( Case # XXXX ). I  have been receiving notices from a Collection Agency ( XXXX XXXX XXXX ) since the discharge requesting {$67000.00} in payment for delinquent mortgage payments to SLS ( Specialized Loan Servicing LLC ). Although we were in a Chapter XXXX Bankruptcy we continued making mortgage payments to " XXXX XXXX XXXX  '' not SLS. I have been told that SLS has placed a lien on my house which has adversely affected my credit. I want to resolve this conflict of information.
Product: Credit card or prepaid card

I Have been with Citibank for many years now and I have called every single time I have gotten an overdraft fee and told them I do not want it and it still happens to steal money from me everytime. If there is not enough money on my account and something tries to take some out it should just be declined I should not be charged {$60.00} extra for something I never asked for and have countless problems about. I woke up with an overdrawn account yesterday was down by XXXX I had to transfer money from my savings and lost {$50.00} to these fees i never asked for just decline my card do not pay for me and charge me extra money that I obviously do not have. And I have called Citibank about it so many times and they continue with the overdrafting fees. I cant handle this anymore please help.