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

IN light of recent investigation brought upon Equifax, i find that my consumer file is being irresponsibly tampered with. Over the past 2 years I have made several attempts to remind you of your duty pursuant 15 usc 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 usc 1681 e ( B ) assures that i am due, promised accuracy in my report based on federal law. I am making this complaint with the bureau consumer financial protection ( 15 U.S. Code 1693a ) as well as with the attorney general as another attempt to have these errors corrected on my consumer report. 15 USC 1681I ( A.5 ) SAYS THAT AFTER THE REINVESTIGATIONS ALL OF THE UNVERIFIED INFORMATION MUST PROMPTLY BE REMOVED. YOU CAN SEE IN YOUR SYSTEM THAT THESE ACCOUNTS WERE PREVIOUSLY DISPUTED WITHOUT BEING THOROUGHLY INVESTIGATED THUS I KNOW THAT IT CAN NOT BE VERIFIED OR VALIDATED. 
also, you are in violation : 15 usc 1681 ( a ) ( 4 ) - Infringed Upon a Consumers right to privacy Why is this a Violation? 
XXXX has no business going out and looking for negative information thats Infringed Upon a Consumers right to privacy.

Second Violation 15 usc 1681b ( a ) ( 2 ) ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court h
aving jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did XXXX XXXX have MY written instructions? Did XXXX XXXX have Permissible purpose? NO, they did not. 

a letter was written to the courthouse asking to provide the procedure in which they verify records information with XXXX, Equifax XXXX XXXX and XXXX third-party vendors the court replied saying they DO NOT VERIFY INFO WITH CREDIT BUREAUS OR ANY THIRD-PARTY VENDORS. 
before you reply to this COMPLAINT SAYING YOU VERIFIED THE INFORMATION PLEASE GIVE ME THE NAMES, ADDRESSES AND ANYONE YOU INTERVIEWED DURING THE INVESTIGATION PROCESS. 
IF YOU SIMPLY BOUGHT DATA IN BULK OR WENT ON A WEBSITE...... THEN YOU ARE IN VIOLATION OF 15 usc 1681a- ( e ) MAY I REMIND YOU 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am finishing complaint number : XXXX I received the washer and dryer on XX/XX/XXXX. They did not work properly. The washer took one and one half hours to wash a load. The dryer took the same to dry a load. I called on XX/XX/XXXX and they sent someone to fix the problem on  XX/XX/XXXX. On XX/XX/XXXX after he left I realized they were not fixed. I called them and said come and pick these up they do not work properly. They said the earliest time they could pick up the washer and dryer would be XX/XX/XXXX. They called later and said I would need to pay {$70.00} for the pickup. I went to the store on XX/XX/XXXX to pay the {$70.00} and make sure they were coming on XX/XX/XXXX. The manager I talked to was XXXX XXXX. He said they did not charge for that pickup. He said the washer and dryer was still scheduled to be picked up on XX/XX/XXXX. No one came on XX/XX/XXXX to pick up the washer and dryer. 
After Best Buy refused to pick up the washer and dryer, I disputed the charge with Citi Bank. My credit card is with Citi. Citi sent me an email stating I must send them two documents to complete my dispute. I will attach copies of all documents I mention in this complaint. 
First Citi requires me to reply to Best Buy 's response to my complaint. I will attach Best Buy 's response. Best Buy 's response is a blank page. How do I respond to a blank page? I called Citi 's dispute department and mentioned the blank page but did not get Best Buy 's response. I still do not know how Best Buy responded to my complaint.

Second Citi requires me to provide a second opinion on the washer and dryer not working properly. The opinion must be from a professional dealer. I checked with XXXX and XXXX. Both would charge almost one hundred dollars each for the washer and dryer. In essence, Citi requires me to pay almost two hundred dollars just to find out if my dispute is valid. I will attach copies of both XXXX and XXXX charges to come to my house. 
Best Buy 's warranty requires only that I stay within a fifteen day return time period. I will attach a copy of Best Buy 's warranty.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history 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 to be updated.

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.

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!

Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I have been represented by non profit organization and Equifax cant verify the company
Product: Credit reporting, credit repair services, or other personal consumer reports

IDentity theft occured using my personal Information, XXXX and XXXX  have both removed the fraudulent accounts but Equifax refuses. 

I have contacted my police dept and filed an identity theft report as requested from Equifax.
Product: Checking or savings account

Filed a dispute for transaction, which it was denied and the bank would not let me file a appeal. The company is fraudelent company and has never submited the services I paid for.XXXX  XXXX, 2021 XXXX was supposed to issue me a website for {$540.00} and XXXX XXXX XXXXXXXX  for {$290.00}. I have not received any services rendered for XXXX XXXX XXXX, the company call the XXXX  XXXX told them they was not able to finish my project and yet still my refund was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXXXXXX XXXX- XXXX XXXX XXXX XXXX XXXX- # XXXX XXXX XXXX # XXXX Has violated my rights. 
S.C 1681 section 602 A. States I have the right to privacy. 
S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written ctions S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by than seven years. 
5.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the 7 knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint about LEXISNEXIS on XXXXXXXX  for improper use of credit report. 
I was informed that LexisNexis couldn't verify my identity so my case was closed. 
I'm a victim of identity theft twice. 
I'm desperately trying to clear up anything on my credit report and stop my information from being shared. 
I have filled out a request to opt out for LexisNexis to stop sharing any of my information on XXXXXXXX  for identity theft in XXXX  I have included court documents showing I have been given factual innocence from a judge. ( from XXXX  ) for the identity theft I have filled out a second request to opt out for LEXISNEXIS to stop sharing my information on XXXX XXXXXXXX   for a robbery and identity theft that occurred this year on XXXXXXXX  I have provided a police report also. I also have included information showing that my information is being used fraudulently get loans. 
I need LEXISNEXIS TO STOP SHARING MY CREDIT INFORMATION IMMEDIATELY. thanks
Product: Debt collection

I paid my parking ticket that was received in the city of XXXX XXXX. I should not be receiving this request.
Product: Credit card or prepaid card

JPMorgan Chase Bank, N.A XXXX XXXX  XXXX, XXXX, DE XXXX Dear Chase Bank, Credit Card ending XXXX I am Chase Private Customer ( XXXX ) and Investment Brokerage ( XXXX   ) account holder. 
I have a low credit line on my credit card.I requested credit line and got denied due to low income. 
My credit score XXXX XXXX  - XXXX  XXXX - XXXX   XXXX as at XXXX Please reconsider my credit limit increase request Thank you XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX {$920.00} was deducted and paid to an insurance company out of our escrow account for our home. This was for another property and should have not been deducted from our escrow account. New American Funding refuses to return the money until they get it back from the insurance company. They also recalculated our monthly escrow payment to include this error payment and thus raised our monthly mortgage payment. They claim that they can not correct this until the insurance is resolved. They also will not do an audit to review the escrow account to verify that no other mistakes were made.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX XXXX Account Number XXXX CFPB COMPLAINT XXXX TOOK LONGER THAN 30 DAYS. PLEASE DELETE THIS ACCOUNT. 

THE NOTICE OF DISPUTE WAS NOT SUBMITTED WITHIN 30 DAYS WHICH IS A VIOLATION OF SECTION 623. PLEASE DELETE THIS ACCOUNT.
Product: Checking or savings account

XXXX19 I was charged XXXX 2 nsf fees XXXX each XXXX19 I was again charged XXXX NSF fee in one day I was charged XXXX in NSF fees for items I never received from XXXX on XXXX19 I was again charged XXXX for a stop payment fee on XXXX on XXXX19 I was charged XXXX again for 2 overdraft charges the charges Wells Fargo is trying to charge me overdraft fees I didn't overdraft I had the money in my account to cover them. They kept my state income taxes of XXXX because they say I was overdrawn and currently Wells Fargo is still claiming my account is overdrawn by XXXX. I have called into Wells Fargo 4 times concerning theses charges 2 times I have spoke with the fraud prevention department and 2 times with employees the last time I called in the woman was extremely rude and unwilling to help me or listen to me tell her the reasons y my account wasn't negative. Why is it Wells Fargo can commit fraud and because they are a bank get away with it that's not right if legally a bank can commit fraud and mess with your money and accounts why can't the rest of us get away with fraud. I'm unemployed I don't have a steady income so what ever money happens to be deposited into my account is the only money I have. It's not ok for a bank to take it for XXXX reasons just because their greedy CEOs want to line their pockets.
Product: Debt collection

I have requested documents from the Bureaus! I have been ignored multiple times!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My Personal Statement on Experian reads as follows : XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Because I am currently applying for a new credit card this must be removed. 

Last 4 : XXXX XX/XX/86 Experian ID XXXX
Product: Checking or savings account

A savings account was opened by XXXX XXXX Bank XXXX XX/XX/2023 in my name. I received a letter from XXXX 's with the account information. 

I called on XX/XX/XXXX to cancel the account. The agent was courteous and promptly canceled the account. 

I have no reason to believe anyone other than XXXX XXXX Bank opened this account in my name. I believe this is the latest technique that banks are using to get customers. It's a waste of my time and stressful not knowing for sure if this is a case of identity theft or just another marketing ploy. 

Banks need to stop doing this!
Product: Debt collection

Thank you for your response dated XX/XX/XXXX, and for the enclosed copy of your previous correspondence regarding the erroneous issuance of a 1099-C form for my Target Card account ending in XXXX. 
I must express my concern and frustration regarding the significant discrepancies in the handling and communication of this matter.

As you are aware, the 1099-C form, indicating a cancellation of debt in the amount of {$1200.00}, was issued in XX/XX/XXXX. Based on this official document, I responsibly reported this amount as canceled debt on my XXXX tax returns. Your later assertion that this form was issued in error has not only caused considerable confusion but also potential financial and legal ramifications for me under federal tax laws.

It is unacceptable that this error, acknowledged over a year after the issuance of the 1099-C, could potentially subject me to undue tax liabilities and complications. This mishandling necessitates not only a correction of the credit report entries but also a formal rectification concerning the erroneous tax document.

Under the Fair Credit Reporting Act ( FCRA ), I continue to insist on the deletion of the account information from my credit report due to the ongoing inaccuracies and the original issuance of the 1099-C. The presence of incorrect data severely impacts my financial standing and violates my consumer rights for accurate reporting.

Furthermore, I request a detailed explanation of how you intend to rectify the implications of the erroneously issued 1099-C concerning my tax obligations. It is imperative that Target provides a clear resolution strategy that addresses both the federal tax implications and the credit reporting inaccuracies. 

Please provide a written response within XXXX days of receipt of this complaint detailing the actions you will take to resolve these issues comprehensively. 

Your immediate attention to this matter is crucial and much appreciated. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my report. DESPITE MY SUBMISSIONS, XXXX consistently responds within 24 hours stating the account is accurate. With out providing any evidence of thorough evidence. The company violates the fair credit reporting act ( FCRA ), 15 u.s.c 1681i, which mandate 's a reasonable investigation of disputes. furthermore, XXXX actions may also contravene the consumer the consumer financial protection act ( cfpa ), 12u.s.c 5536 ( a ) ( 1 ) ( a ) - ( b ), as highlighted in the cfpb 's recent administrative proceeding ( file No 2025-cfpb-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with the necessary proof of investigation.
Product: Student loan

Sallie Mae has been harassing me since the day my grace period on my loans ended. I have received calls as many as five to ten times a day, and I have discussed how I am unable to make payments due to financial hardships and lack of help from my parents. They refused to work with me, so I stopped answering their calls and changed my number. Eventually, friends and family members expressed their concerns over my loans and told me Sallie Mae kept contacting them about me. Sallie Mae now calls my work, and when my coworkers hang up on them they call back in a rude tone, demanding to talk to me. They have even talked to my Human Resources manager. It is not okay to mix personal issues with work issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing these fraudently inquiries items on my Equifax report they did not remove them i have contacted the creditors also. 

XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVICES- EQUIFAX MORTGAGE SERVICES - , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX- EQUIFAX MORTGAGE SERVICES - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 account with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX CARD SER, XXXX XXXX XXXX XXXX never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus XX/XX/22 to update this suspicious information. I think the credit bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was, already included in my prior COMPLAINT # XXXX, XXXX XXXX, and I'm including it again. DEPT OF EDXXXX XXXX Balance : {$1100.00} ; DEPT OF EDXXXX XXXX Balance : {$3000.00} ; DEPT OF ED/XXXX  XXXX Balance : {$2300.00} ; DEPT OF ED/XXXX XXXXXXXX Balance : {$6200.00} ; DEPT OF ED/XXXX XXXXXXXX Balance : {$5000.00} XXXX DEPT OF ED/XXXX XXXX Balance : {$2500.00} ; DEPT OF ED/XXXX XXXX Balance : {$5100.00} ; DEPT OF ED/XXXX XXXX Balance : {$2400.00} ; DEPT OF ED/XXXX XXXX Balance XXXX {$2500.00} ; DEPT OF ED/XXXX XXXX Balance : {$5100.00} ; DEPT OF ED/XXXX XXXX Balance : {$3100.00} ; DEPT OF ED/XXXX XXXX Balance : {$3900.00} ; XXXX XXXXXXXX XXXX : {$2.00} ; XXXX XXXX XXXX XXXX Balance : {$91.00}
Product: Debt collection

I transferred cell phone service from one provider to another. The new provider was to reimburse the money and can pay the outstanding balance to the previous provider. I made payment arrangements with XXXX and was paying the arrangements. After I made my last payment to XXXX, I started to get calls consistently from Diversified Consultants XXXX. They were rude, I explained to them I had no debt and had pay XXXX off. They told me I was lying and the debt needed to be paid. I even called XXXX and asked them to make this collection agency stop calling me.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX