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

Experian has received a letter from me on XX/XX/2018 regarding an account that has been investigated and deleted by another credit bureau, which is XXXX. This account is misreported/ unverifiable/ false/ and or else wise inadequately reported data and/or derogatory information that is questionably, if not deceptively, reported in my credit file unfairly and surely illegally. As you know, COMPLIANCE of reporting for any VALID CLAIM is MANDATORY, NOT OPTIONAL. Prove or remove, THAT IS THE LAW! The item here reported is DEFICIENT of reporting mandates as it is in the least questionable in its inconsistent reporting and deceptive even error-prone reporting. As detailed by the XXXX XXXX Five Points of Compliance per the link : XXXX : XXXX OBVIOUSLY, the five noted points above are each MINIMUM STANDARDS for being compliant in processing consumer complaints COMPLIANTLY and exactly as dictated by the XXXX as per listed at this link. This sequence of requisites to certified compliant reporting is commonly referred to as the XXXX aka XXXX XXXX Five Points of Compliance! It is FEDERALLY mandated and must demonstrate proof of such should a consumer call for a CHECK of VALIDITY and/or COMPLIANCE of reporting and/or DISPUTE the claims validity and or CHALLENGE the alleged compliance of reporting, even the mandatory perfect and complete XXXX XXXX Format Compliance standards of reporting as above mentioned at least! 
Follow suit and delete this account for accurate reporting : US BKPT CT IL XXXX Identification # XXXX Attached is the letter sent to Experian on XX/XX/2018, XXXX XXXX Five Points of Compliance explanation ( pay attention to highlighted area ), XXXX credit report with deleted account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts : XXXX. ) XXXX XXXX : ACCOUNT XXXX XXXX. ) XXXX XXXX XXXX : ACCOUNT # XXXX Credit Inquiries : XX/XX/XXXX XX/XX/2021 XXXX XXXXXX/XX/XXXXE XX/XX/2021 XXXXXX/XX/XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 EQUIFAXXX/XX/XXXXXXXX XX/XX/2021 EQUIFAX XXXX XX/XX/2021 XXXXXX/XX/XXXX XXXX XX/XX/2021 XXXX, has violated my rights. 
Under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
Under 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. 

Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am invoking my specified remedy as the original creditor and the consumer. I have attempted to resolve this matter with Equifax by disputing incomplete/inaccurate information. Proof of this dispute can be found via XXXX XXXX Mail - XXXX # XXXX
Product: Mortgage

Last month I was approached by the local branch manager to use XXXX Wells Fargo 's products. I was not interested but after serval attempts I agreed to sit down and listen to what Wells Fargo has to offer. I purchased a house cash and was told to apply to a zero fee home equity loan@2.99 %. That sounded good and I proceeded although I really did n't want my credit pulled just to try, I was assured since I have a XXXX credit score and XXXX the loan amount in a savings account with Wells Fargo that this will be very quick and easy. It has been XXXX since I applied, I have spent more than 40 hours preparing documents sending documents and treated like I was a criminal. This has been the worst experience in my life!!!
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX. 
Account Number : XXXX XXXX demanding a debt validation : According to 15 USC 1692 g Copy of contract with my signature that I sign on for this debt Copy of payment history from the original creditor show my payments. Name and the address of the original creditors Proof I own or assigned this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$57.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/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: Debt collection

I rent a apartment in XXXX XXXX XXXX XXXX : XXXX. When I moved out, I cleaned up my room and utility appliances with a professional standard, All rooms carpet and appliances very clean and spotless. 

Based on lease contract item 20 Cleaning, I had a professional cleaning for all Utilities appliances and carpet and leasing Office staff checked and very satisfied, so XXXX XXXX XXXX had no reason to charge a carpet {$70.00} and cleaning {$160.00} for me. 

XXXX XXXX XXXX was managed by XXXX. XXXX sold the debt {$210.00} to COLUMBIA DEBT RECOVERY LLC DBA Genesis I tried to contact with XXXX and XXXX XXXX XXXX, and Genesis through XXXX, but all they didnt respond. 

This is a invalid debt collection. I attached all documents related this case.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

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

I sent personal information correction correspondence to Transunion, XXXX, and XXXX to update my credit profile and they yet continue to violate my consumer rights. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy
Product: Checking or savings account

I was charged a XXXX {$10.00} fee when closing my account. Wells Fargo said they waived the fee, but then sent me a collection letter indicating that they were sending to debt collection.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Started month of XXXX a late payment all the way up to Month of  XXXX. Advised was in hospital XX/XX/ with XXXX  and XXXX discharged XX/XX/XXXX. Spoke w/XXXX same day. I spoke with them 2/3 times a month. Every month credit reports stated 30, 60, 90 days late. Even with terms of agreement with XXXX my credit report was reporting delinquent. 
XXXX every month said they sent in a corrected and updated report. But each month it came back again. Delinquent. Balance would go down but a new month of delinquent report. 
The following month bal goes back up payment not reflected and delinquent again. This is with all credit reports. 
All have different balances for XXXX  XXXX accounts. I have been ask for updates to be investigated and corrected. I would also like to know what is my legal rights with this on going problem with XXXXl XXXX. This is harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a purchase with my XXXX account, we paid in full but it was reported over 30 days late on my credit report. I have made several attempts to clear this with the company but I couldnt get this resolved. They kept agreeing it was paid in full but they couldnt get my credit report corrected.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protention Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I've marked as inaccurate : XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I have been paying my car note on a monthly basis on the XXXX of every month, through my Bank account. Flagship Credit Acceptance LLC. hires a Law Firm XXXX XXXX office. They lied and repossess the car. I received a mail from Flagship Credit Acceptance on XX/XX/2021 stating I need to pay them {$2700.00} to reinstate the car. I called and spoke with XXXX XXXX and asked why is it I need to pay them that money when I am making my monthly payment every month. XXXX after a little while told me to hold on, he spoke with his supervisor and they saw that I have been making my payments. He told me I didn't have to pay the {$2700.00} they will return the car. I have been paying them each month, I have my receipts and my bank information which confirms my payments. Once I called them they return the car free of charge without the License plate. I had to take off from work on XX/XX/2021 to go and get the License plate. On XX/XX/2021, I received a notification alert from the credit bureau stating I am late on my Flagship Credit Car payment ; I had made my payment on XX/XX/2021 in the amount of {$350.00} for XX/XX/2021. On XX/XX/2021, I received another credit alert saying the same thing " stating I am late on my Flagship Credit Car payment '' and my Credit score went down by 21 points. I check my Credit Report there is a Repossession on my credit report from Flagship. I do not owe them any monthly payment nor is my payment late. This shouldn't have happened when I am making my payments. They are also showing up 3 times on my Credit Report.
Product: Student loan

I have federal student loans that are handled by MOHELA. 

Account XXXX XXXX XXXX and XXXX XXXX ) Misinformation Concerning Loan Consolidation There are two sets of loans some from XXXX and others from XXXX. 
I was told by a XXXX worker that if I consolidated my loans from XXXX with the loans from XXXX I could lose some of the loan payment counts. I was scared of risking my loan count of 120 payments so I did not consolidate by XX/XX/XXXX. 

The XXXX loans were forgiven. If I had consolidated I am learning the XXXX loans would have been forgiven as well. I now have XXXX in loans left to pay starting XXXX of this year. I have written MOHELA about this mistake and have gotten NO response. I am asking that you require MOHELA to a ) all me to consolidate the loans and forgive them or b ) simply forgive them as if I had consolidated them. 


2 ) Student Loan Deferment and Payment on Loans not counted I was working at a public interest service corporation and paying off student loans when I was put into deferment against my will due to going back to school in XXXX. I made payments in XXXX XXXX XXXX XXXX and XXXX of XXXX. I believe I should get credit for those payments. 

I have no idea why I am not getting credit for XX/XX/XXXX. If I was in deferment it was certainly due to hardship.
Product: Checking or savings account

Long story short my mother name was involved with a debt with a credit card company ( American Express ) because of her authorize user. ( Another family member ). She decided to take responsibility for her authorized user. She was paying on the debt for years to where it was close to paid off but the statute of limitation was approaching as well. Now American Express has chosen to levy all of my mothers bank accounts ( Without Notice or A Court Hearing ) and cleared it including my bank account which I had her on, all XXXX dollars. So my money is gone too. They did this all without a court summons or any paperwork filed for garnished of pay. They garnished every dollar we have without filing anything with the courts. 

All of our money was taken on XXXX XXXX. We spent every calling trying to figure out whats going on. They decide to send my mom a letting on XX/XX/XXXX stating that they would be garnishing her pay. Days after they already took everything we had. We only got a letter after we were calling them all day. All without a court hearing or paperwork filed for garnishment. Not even a prior notice. They just took our money. 

By law a financial institution is not able to clear your bank account completely without a judgement from the courts. I would like for American Express to be held accountable for this. 

Currently they still have my money which has kept me from paying my bills. I receive notice from USPS everyday on when mail arrives to my home and this is the first letter theyve sent in months. After taking all that I have. 

XX/XX/XXXX XXXX was taken from my account and every transaction I made over the weekend was reversed, putting me in a deficit of - {$48.00}. ( Transactions that were made XXXX I transferred money to XXXX to complete purchases which were all reversed leaving me in negative. ) I froze my account and transferred the remaining funds that I had. Which was XXXX. They unfrozen my account XX/XX/XXXX and cleared it to XXXX again. 

Again, all without a court order, no prior motion to garnish pay or levy accounts. They filed a fake legal order without any judgement. I cant pay my bills because they broke the law and I would like them held accountable.
Product: Credit reporting

Equifax has fail to provide me with proper documentation regarding a midland account that I have disputed in the past and is still been reported as accurate.
Product: Debt collection

XXXX XXXX has made many attempts to collect a debt originally granted from GE Money Bank. They are reporting this collection to my XXXX credit bureau reports. After many attempts on heir part I finally agreed to pay {$25.00} a month and they are direct drafting payments from my bank account. However, CFPB ADMINISTRATIVE PROCEEDINGFile No. XXXX has now come to my attention and I believe that I qualify for protection/relief under this action.
Product: Checking or savings account

BMO says they have " no record '' of an checking account ending in XXXX. I am simply trying to close this checking accout which is in my name. They are unable to see the account on their end but I can see it on my end.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX are fraudulent on my credit accounts : DEPT OF EDUCATION/XXXX  is fraudulent on my credit Account # XXXX DEPT OF EDUCATION/XXXX  is fraudulent on my credit Account # XXXX DEPT OF EDUCATION/XXXX  is fraudulent on my credit Account # XXXX DEPT OF EDUCATION/XXXX  is fraudulent on my credit Account # XXXX DEPT OF EDUCATION/XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXXs fraudulent on my credit Account # XXXX
Product: Credit reporting or other personal consumer reports

XXXX rejecting this response because : clearly my FCRA rights has been violated and compromised. Ive clearly outlined each violation this need to be deleted immediately. This was deleted and now added back on my XXXX XXXX consumer report again as of XX/XX/23 I want this deleted again permanently this has been deleted from XXXX and XXXX XXXX and Ive sent proof of this as well so this need to be deleted from XXXX and Experian as well. 
How is it XXXX consumer reporting agency follow FCRA and the other does not??
Product: Credit reporting or other personal consumer reports

The following companies XXXX, XXXX XXXX, XXXX XXXX, and XXXX have placed accounts on my credit report without first giving me the opportunity to challenge the debt. Also, these collections are reporting as " open '' or " closed '' and should be immediately deleted pursuant to 15 USC code 1681S-2 & 1692G. I have disputed the accounts mentioned with all XXXX credit bureaus and they have reported that all accounts disputed have been verified for accuracy. However, the credit bureaus did not provide the verification methods used within the 5 day timeframe. According to FCRA section 605b it is illegal to report information on my credit report without my permission. I will pursue all legal remedy pursuant to 15 USC 1681n ( Civil Liability for Willful Noncompliance ). I am requesting that all collection accounts be immediately removed from my consumer credit report and an updated copy of my report mailed. 

XXXX - Acct # XXXX XXXX XXXX  - Acct # XXXX XXXX XXXX - XXXX - Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; Inquiries : XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed information on my credit, company name XXXX XXXX, reporting credit agency name, National credit systems, amount {$11000.00}. I disputed credit reporting via XXXX website as well as sent a formal letter stating I have no knowledge of this account. Submitted documentation with inaccuracies concerning what was reported for original company. Did not receive an information back after the investigation verifying the results. Both XXXX and XXXX have removed this from their credit reporting however XXXX still is reporting inaccurately.
Product: Credit card

On XX/XX/year>, a purchase was made on Amazon.com for a Disposable Cat Litter Box - Collapsible Design for Travel ( XXXX XXXX XXXX XXXX and order # XXXX ). 

Although proper use was ensured, the litter box proceeded to leak cat XXXX in the backseat of my vehicle, despite being advertised specifically for travel. When I requested assistance from Amazon, I was told at first that only under the circumstance that I would be receiving a refund is if I placed the item soiled in cat XXXX in the mail to return. I explained many times that this was not possible and illegal and eventually, Amazon did agree, on two occasions, to issue the refund ( emails will be attached that confirm this ). I then never received the funds and Amazon once again has refused to do anything to help. 
As a last resort, a dispute was created with Chase ( the method of payment was with their Amazon card ) and although this information was provided several times, they sided with Amazon.com and closed the dispute.
Product: Credit card or prepaid card

XX/XX/2020 Credit Card dispute faxed to Union Bank Dispute Operations in the amount of {$250.00}. Investigation Completed determined claim valid letter from Union Bank stating {$250.00} was credited to my account on XX/XX/2020. No funds received to date. Contacted bank XX/XX/2020 agent stated would make ticket. Contacted bank again XX/XX/2020 no notes or entries about my claim credit. Told to contact dispute operations again. Received billing statement XX/XX/2020 balance states {$250.00} with min payment of {$40.00} due by XX/XX/2020 and no statement of payment of amount of dispute is not required. Submitted written letter about continuing error on statement XX/XX/2020
Product: Credit card

XXXX  life miles visa ; -Card is restricted -Avianca error on a balance transfer and sent {$3700.00} payment on  XXXX  to wrong company, a company i never provided.   -When i called to confront  XXXX   , i w as forwarded to fraud department, fraud investigator provided untruthful statements trying to get me to believe all visa cards were malfunctioning.   - I i nformed Fraud investigator h e was lying, that i have friends who have same card and are not restricted or having other issues as i am.    Fraud investigator  was caught off guard and refused to answer when i asked him why he was lying.   -Due to the restrictions, which were not placed until i disputed a   XXXX   balance transfer of {$3700.00} that was sent to wrong company, I am unable to pay or use this account.    -I am  unable to verify charges- - I strongly urge someone to listen to the call on  X/XX/2017    with  XXXX  and a fraud investigator - I have talked to  3 f raud investigators from  X/XX  through  X/XX/2017    all have provide untruthful statements - to ensure I have a private right to file a lawsuit and collect damages, I have filed disputes with all the credit bureaus.   -  XXXX  representative has also contacted family members at phone numbers i never provided to them or gave them permission.  XXXX  has shared private information with others violating our agreement and Federal law.   - I am also requesting the complete unredacted file  XXXX  has compiled on me, as this is my right and they MUST comply.