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

I previously disputed a collection account on my report from XXXX XXXX XXXX. 
After the dispute, the collection account on my credit report XXXX XXXX XXXX was reported to say WILL BE REMOVED AS OF XX/XX/year>. 
The collection account has not been removed. 
This is from XXXX. However, I want it removed from all my credit reports.
Product: Student loan

I was trying to find out where my refund was for my over payment and a accurate monthly payment amount. I made at least a dozen attempts to reach people to give me this information. In the past 2 months have actually got people 4x. They'd transfer me to " Advanced Customer Service '' which I sat on hold for for over an hour each time to find out they were just customer service and would still need to transfer me to " Advanced ''. It was a circle each time and I never got my answers. 2x, they hung up, 1x the person didn't know how to look it up. and 1x after waiting for hours on hold, I selected for the prompt for the call back. Once I finally got the call back, it went right back in to the beginning never ending circle. My 4th time, I am still on the phone on hold. It's been 2.5 hrs already and I have no idea if anything will get resolved. Just getting in touch with them has been a nightmare ever since they took over my student loan and there is nothing we can do about it but complain with zero results. Don't complain to them, they'll hang up on you. Either way, they said their system generates the numbers and they have no control over them. They seem to depend on AI to do important things for them but it seems to be making things worse. From the loan types, the phone calls, and numbers. It's all a terrible customer experience.
Product: Credit reporting or other personal consumer reports

As per the Fair credit reporting act, bureau are mandated to report accurate and verified information about me. I recently reviewed a copy of my credit report and noticed that I am a victim of identity theft. I noticed a wrong address on my Consumer report. I never lived at this address ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). As a consumer I'm demanding a deletion of this address from my consumer report
Product: Credit card

On XXXX applied for venture capital credit card. 
I suppose to receive XXXX bonus miles once I spend {$500.00} on purchases within the first 3 months from Account opening. 
Now the credit card company refused to honor the bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit reports I noticed accounts that I didnt recall. My information was compromised and sensitive information as well as personal items and devices were at risk. I would like removal upon investigation of : XXXX XXXX And also any original documentation used to open this account, ID, signature, credit card
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4600.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$7000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I get this credit card a while back from XXXX through XXXX XXXX. I can't give you the exact date, but it's been while. As of XX/XX/2022, I have a balance for {$160.00} which was paid in full on XX/XX/2022 through my online account that I have with them. From that day forward the account was XXXX balance, but then on XX/XX/2022 they charge me {$3.00} interest charge, on XX/XX/2022 they added {$8.00} late fees and on the account that have XXXX balance. On XX/XX/2022 another {$1.00} interest charge were added, XX/XX/2022 a late fees for {$18.00} were added. When I visited my online account on XX/XX/2022, it says that I have a balance due for {$18.00}. I was like why I have a balance now, when I already paid in full. I ended up paying the balance that day anyway, because I thought maybe I paid the balance to fast that's why I was still being charged interest rates and late fees. But no, the interest rate and the late fees continue.XXXX I paid the balance they said that was {$18.00}, XX/XX/2022 new charge for {$1.00} interest rate, XX/XX/2022 {$19.00} late fees, XX/XX/2022 {$1.00} interest rate, XX/XX/2022 {$37.00} late fees, XX/XX/2022 {$1.00} interest charge, XX/XX/2022 {$41.00} late fees, XX/XX/2022 {$1.00} interest charge. On XX/XX/2022 made a payment for {$35.00} that what the online statement says I owed. Remember, I did not buy anything from the credit card since it's been paid off, it all interest and late that I'm being charged for no reasons at all. on XX/XX/2022 they charged {$37.00} late fees on the account that have XXXX balance, even after I paid, I was still getting late fees, can you imagine? 
On XX/XX/2022 {$1.00} for interest charge. Than I said ok this need to stop, so I called them directly XXXX, I asked them why I was being charges late fees and interest rate so much on a account that have XXXX balance. They didn't have an answer to that. Than I asked again how much I owe you now, they told me {$80.00}. I paid that on XX/XX/2022 and told them to close the account that same day. They've closed it, they've even send me a letter that was written on XX/XX/2022 to let me know that they account was closed. I thought everything was over with, but no! From XX/XX/2022 till today as I submit this complaint, they are still charging me, they're still sending me statements, not only that they continue to report me to all four credit bureaus and calling my phone countless time during the day to tell me that I owed them money. I even went back to XXXX XXXX to asked for help, they called them and put me on the phone with them, after I explained what's going on and questioned them, they hanged up the phone in my face. I need them to stop harassing me with their countless phone call, they need to stop messing up my credit score. I need them to clear up my credit with all the fake report they've added to it. I need them to pay me back all the fake fees they have charging me for no reason. I can't rest in peace with these people in my back like this, I can't. If my account is closed why am I being charge still. Please ask them That.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

On XXXX the XXXX I sold a property with my other two siblings. The XXXX XXXX received a report that I owe two credit cards from XXXX. They held the funds in Escrow but they gave me a full month to fix the problem. LaVrar a Collection Agency had both credit cards for collection but one of the credit card debt was closed. So I called XXXX and they told me I owed {$3200.00}. In the meantime The XXXX XXXX paid the first credit card that was open but then is when the trouble started because The Title Company asked LaVrar the Collection Agency if they had the other credit card debt. LaVrar responded they had it but IT WAS CLOSED. The XXXX XXXX gave them inside info that the debt was still open so LaVrar called XXXX and got the account open back again. I called XXXX ready to pay but they told me to call LaVrar. So now I am stuck with LaVrar which is demanding I pay {$6600.00} The XXXX XXXX ( XXXX ) did MALPRACTICE on me. Please notice that The Judgement amount on the open credit card debt was {$5700.00} but I paid {$7500.00} which is {$1800.00} or 32 % of The Judgement amount. But now ; on the second Judgement of {$3600.00} they want to charge me {$6600.00} which is {$2900.00} or 81 % above the Judgement amount. 81 % - 32 % is a 49 % difference. I will not deny I have insulted both ; XXXX XXXX at The XXXX XXXX   and Mr. XXXX at LaVrar. I wanted to file a lawsuit for malpractice but I was told it takes years and expenses and it is such an insignificant quantity of money that it is not worth it. I have asked Mr. XXXX to return the account to XXXX so I pay them what they asked the {$3600.00} but to no avail. XXXX is not writing to me anymore. He is just waiting for the escrow to be released for the amount he says.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The following list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1681. Account name : XXXX XXXX Account number : XXXX Account name : 15 U.S. Code 1681 asserts : 15 U.S. Code 1681 Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX XXXX ( a ) ( XXXX ) I have the right to privacy. 
15 U.S. Code 1681 Section 604a Section 2 : a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681c ( a ) no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S. Code 1681c ( 6 ) ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance.

15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX - Charge off XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$190.00} - Charge off XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX Charge off XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX - Charge off XXXX XXXX XXXX Date Opened XX/XX/XXXX Date Opened XXXX - Late/Open XXXX XXXX XXXX, XXXX XXXX Date Opened XX/XX/XXXX - Late/Open
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

The List of accounts/inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting

I received information about having XXXX new negative items on my credit report, so I did a free credit check report and noticed several bills that had incorrect information including my home address. I do n't recognize most of the alleged bills that are outstanding in my name, which leads me to believe I am a victim of identity theft. As soon as I noticed this, I immediately disputed the negative items, however, the disputed have gone unresolved and still remain on my credit report.
Product: Mortgage

Rushmore Loan Management XXXX acquired my loan from from my previous lender in early XX/XX/XXXX. This is not the first time my loan service company has changed ; however, it XXXX the first time I have reached so many difficulties. XXXX did not make payments to my home owner 's insurance that I have had since originating the loan in XX/XX/XXXX. In XX/XX/XXXX I had an issue in my bathroom that required submission to insurance to be fixed. I then learned that XXXX had forced placed their own insurance with a much higher deductible. The insurance XXXX came to my property and investigated the claim which resulted in payment. The payment was made to XXXX and then I was issued a check for {$200.00}. The difference in the XXXX insurance deductibles ( my insurance vs. forced placed ) is a {$900.00} difference resulting in the repairs not being able to be completed. I have not endorsed the check as I am not getting the insurance benefits I believed I was paying for and these funds with my portion will not cover the repairs. 
I was also told by XXXX, when I found out and requested my insurance to be placed back on my loan, that it was completed. My insurance company, XXXX, as well as myself have attempted to simply add my insurance to the loan with no results. I will be trying again today.
Product: Credit card

I received a letter in the mail from Macy 's stating that it 's attempt to email me my monthly statement was unsuccessful because the email was returned as " undeliverable. '' The email address that Macy 's listed in its letter is in fact my email address, and I have never had issues receiving emails before. The letter from Macy 's was sent to me after the due date of the bill. Macy 's made no attempt to contact me by phone or by mail prior to the due date to advise me that it was having issues emailing me my statement. In light of the fact that Macy 's notice to me was sent after the due date of the payment, combined with Macy 's failure to contact me prior to the date, makes it obvious that Macy 's is engaging in illegal behavior. While I have no way of knowing how many other people against whom Macy 's engaged in this scheme, I hope that the CFPB will receive other complaints and will respond with the appropriate measures that the CFPB has successfully used against other creditors who engage in similar deplorable behavior.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX To : Equifax XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Dear Equifax, I am writing to formally dispute inaccurate information reported on my credit report. As per the Fair Credit Reporting Act ( FCRA ) Section 605B, I am requesting the removal of the following accounts, as they are either fraudulent or inaccurately reported : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am enclosing a copy of my credit report with the relevant accounts highlighted, along with supporting documentation, including my government-issued ID and proof of address, to assist in verifying my identity. 

I request that these accounts be removed from my credit report promptly, as they are inaccurate and do not belong to me. Please notify me in writing regarding the outcome of your investigation within XXXX days, as required by law. 

Thank you for your attention to this matter. Should you need any additional information, you may contact me at [ your phone number ] or [ your email address ]. 

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

This is my second attempt in trying to get this inaccurate information removed from my credit. It was removed in XXXX of 2023 then it was placed back on my credit, which is illegal. Ive never done business with Caine & Weiner and they have yet to prove that Ive signed any documents or went into a legal contract with them. They are reporting an account as open on my credit and it should not be. They are claiming I owe {$430.00}, I requested documentation from Caine & Weiner stating that Ive indeed done business with them and they sent paperwork that didnt have their name anywhere on it. My first complaint was XX/XX/XXXX and they just placed it back on my credit illegally XX/XX/2023. I need this inaccurate mark removed from my credit expeditiously please.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX To EQUIFAX RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of Dark Web identity theft. There have been accounts and services established using my personal Identification without my authorization. 
After careful review of my report, I have identified the information listed below, is the result of XXXX XXXX theft on the affected accounts are listed below. 
I do not and have not obtained business or services or made any payments under any of these accounts - ever! 
Equifax has continually aided in allowing others to use and distribute my information without my authorization to establish credit, obtain goods and services and set up monthly rentals which has caused my personal life stress and placed me in financial ruins. This must cease NOW! 
You must remove them immediately without prejudice. 
XXXX XXXXXXXX XXXX XXXX XXXX AMT : {$7200.00} XXXX XXXX XXXX XXXX XXXX AMT : {$5500.00} XXXX XXXX XXXX XXXX  : XXXX AMT : $ {$4900.00} XXXX XXXX XXXX XXXX XXXX : XXXX AMT : {$2400.00} XXXX XXXX XXXX  : XXXX AMT : {$4900.00} XXXX XXXX XXXX  : XXXX AMT : {$100.00} XXXX XXXX XXXXXXXX XXXX : XXXX AMT : {$5500.00} XXXX XXXX XXXXXXXX XXXX : XXXX AMT : {$670.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$1600.00} There are also the below listed inquiries on my report which have never been placed by me. These need to be removed immediately : XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX You have also listed several addressed for which I am not associated. Your company apparently is practicing in reporting inaccurate information and listing addresses on consumers reports that I have never lived. 
The below addresses need to be removed from my reports immediately! 
XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX. XXXX XXXX. New York, NY XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX. Apt XXXX XXXX NC XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been continuous and ongoing to no avail. 
This is again a demand to remove and block such information from the report in question. 
I appreciate your prompt attention to this matter, and await your reply. Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX company via In house collection agency XXXX XXXX XXXX XXXX settled {$6100.00} loan that was allegedly owed by me in 2018. Recently Lockhart Morris & Montgomery has contacted me on several occasions through deception allegeding that they work for XXXX XXXX XXXX XXXX and is collecting a past due debt for them. I have spoken with XXXX XXXX XXXX XXXX numerous occasions and they have assured me that I don't owe them. Lockhart Morris & Montgomery have called me threatening and demanding that I pay them or else using abusive language. Also Lockhart Morris & Montgomery has admitted that I don't owe them anything. I have received abusive phone calls from XXXX XXXX and XXXX XXXX who work for Lockhart Morris & Montgomery.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX am verifying that I, XXXX XXXX XXXX XXXX mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Th is company has been reporting that I have paid them on my credit report. I have never paid a dime to Navient. In addition, during the dispute I have not received any kind of communication from the firm, but a collection agency stating that I owe some off amount. I do n't believe they have accurate information on my account. The fact they are reporting false information is enough for me to ask that account be removed for vio lating FCRA regulations.