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

XXXX XXXX fraud department contacted me claiming UNUSUAL and Unauthorized activity on two XXXX XXXX credit cards.these cards have been BLOCKED and online activity has also been BLOCKED as a result of XXXX claims. But These cards are being reported by XXXX to my credit report. XXXX also believes this account was not opened by me. Therefore, XXXX by their own admittance are reporting inaccurate information to the credit bureaus. I am demanding the following accounts be deleted from my credit report. I am providing statements made by XXXX representatives and their fraud department to confirm my dispute. 
1. XXXX XXXX Credit Card ending in XXXX 2. XXXX XXXX ending in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 3XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I need the account corrected now! 

XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Loan Care reported 30day in XX/XX/2023 we are currently in XX/XX/2023. Loan care received payment on XX/XX/2023 which is within 30days. Theyre reporting inaccurate data that has caused an hardship on my financial status and employment. Ive called several customer representatives was told I would receive a call back from a manager that day and its been over two weeks no call, and no notification from from LoanCare. This mortgage company is practicing unethical behavior, causing injury to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, XXXX XXXX obtained a copy of my Credit Report without my consent or authorization from Experian and other Credit Reporting Agencies for the purposes of auto loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company involved is Citi bank card with regards to their Advantage platinum select card ( XXXX ). There was an unidentified charge made to the card, however this specific card has never been received, activated, or used. The charge occurred on XX/XX/2020. The account was immediately closed although there had never been any activity on it before. The account was charged {$99.00} for an annual fee. The company linked the card to a different account that has a different card number ( XXXX ). 
My concern is that the card ending in ( XXXX ) was never received/activated/or used. I feel this is fraudulent behavior on part of the bank. I have written to the office of the President of Citi Bank/Card and still awaiting a response. In the meantime, my credit rating has dropped from XXXX to XXXX. I have ended up paying {$180.00} to resolve the issue, my concern is the drop in my credit rating due to inaccurate charges and my ongoing dispute with Citi Bank regarding this alleged credit card, which was once again never received or activated. I have reported this to XXXX/XXXX without resolution. Citi Bank refers the report to the previous credit cards ( XXXX ) which had been in good standing. 
In summary, I am concerned about the unacknowledged credit card and the drop in my credit score, in spite of paying the originally fee plus penalties, in total being {$180.00}. 
All my credit cards have been in good standing prior to this and I really feel I was manipulated and not dealt fairly by Citi Bank.
Product: Credit card or prepaid card

I was issued an apple card on the month of XXXX. On XX/XX/XXXX, a fraudulent charge on a XXXX in New York state for XXXX was made using the same number as my card. The charge was flagged and declined by Apple/Goldman Sachs ad a new card was issued. However, the declined charge was posted on my monthly balance despite beiing declined. I called Apple card 8 times and repeatedly told me that a provisional credit will be issued within days, but was never issued. Is mystifying to me that a charge was declined but Apple still charged me and is not issuing the provisional credit. This is theft.
Product: Debt collection

Transworld Systems has been sending my elder father letters about debt collections transferred from XXXX. I did not authorize this and know these charges to be fraudulent. I talked to fedex many times and get the run around about talk to this number, i call them and get told to talk to another number, and so on... I really tried my best to resolve it with them in good faith, but they just wanted it to go to this collections agency they have a partnership with. The bill is for {$1700.00}. The most recent mail was on XX/XX/2022, but I've had many such mails sent to my father about this, over 5 of them. 

The worst part is how much it worries my father, and how much time this takes from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows that I had a late payment in XX/XX/2022 for my mortgage. This payment was on autopay and I sold the house on XXXX XX/XX/2022 so either way it should not have shown as a late payment. The company was LoanDepot
Product: Debt collection

I pulled all 3 of my credit reports, and my wife 's reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that we do not recognize, including companies I've never done business with. One of these was : XXXX XXXX XXXX. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX. They're reporting 4 separate accounts on our credit reports, and we have NEVER done any business with this company, signed any contract with this company, or even know who they are! Upon calling the company, they could not even FIND our information, or the accounts that they're reporting on our credit reports. I was advised by an attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has now been over 70 days ( they had 30 days under the law ) and they have NOT sent ANY kind of validation of this erroneous account, for both my wife and myself. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX  ), and my wife did too, and XXXX XXXX XXXX has NOT removed THESE accounts from our credit reports, or have sent us any kind of validation. I request for this company to remove these accounts from my credit reports immediately, as well as my wife, as they have not followed the law, have reported inaccurate information on our credit reports, which carries a {$1000.00} fine, as well as FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. Thank you for helping me resolve this matter.
Product: Credit reporting

I contacted transunion because i had a collection that should not have been on there XXXX. XXXX was XXXX and the other XXXX. XXXX had supposedly sold the account to XXXX. I contacted XXXX regarding this hoping to pay for delete as i am trying to fix my credit they told me they couldnt as it was sold to another company. I was able to sign in to my account on XXXX and they are still requesting payment. I have documentation showing my account and request for payment from XXXX. I requested transunion remove due to i have XXXX collections on same account and XXXX still remains. If it was sold my sign in account should be closed no longer requesting payment. Please help me remove this item.
Product: Payday loan, title loan, personal loan, or advance loan

I simply wanted to speak with someone about what the process of me returning the item I took a small loan for would be and if that money would be returned to them so I wouldn't habe to worry about paying it back. I was told by the XXXX customer service that department only communicates via email and to wait for their response but couldn't be given a timeframe of when that response would be and I think that given the urgency that type of communication could require at times would call for some other means of back and forth besides emails which could take days to get something resolved when every minute counts. It seems like a set up for failure and something should be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with identity theft on my credit report I have contacted all the creditors and the collection depts and I have sent certified mail to them all well also a ftc report of all the fraudulent activities on my report all the credit bureaus have removed all these items and hard inquiries EXCEPT EQUIFAX they are really giving me a hard time about removing these items off my report Company-Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please send something to Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

Although I am still receiving demands for payment ( s ) from XXXX XXXX { Most recent for XX/XX/XXXX in the amount of {$620.00} attached } for my FL XXXX purchased from the XXXX XXXXXXXX XXXX  XXXX [ XXXX XXXX XXXX ] through XXXX XXXX Program { out of foreclosure }, yesterday, XX/XX/XXXX, I received verbal confirmation from another bank XXXX XXXX [ XXXX XXXX XXXX ] of the joint accommodation to XXXX XXXX made therefore, related to that unilateral modification [ by XXXX XXXX of XXXX in XXXX IL reduced to writing by the XXXX for the XXXX ] and thefts of escrow ( {$330.00} ) by XXXX on or about XX/XX/XXXX pursuant to a request of the FL Attorney General, which implied the existence of said mortgage being sent to XXXX XXXX for XXXX Mortgage and there is absolutely no accounting of or for same anywhere. Therefore that debt if it does actually exist it does not appear on my Credit Report. All mortgage debt ( s ) ( 4 ) appear closed. If it is closed, then why am I receiving demands for payments from XXXX XXXX endorsed for compensation by XXXX XXXX while no entity is reporting either billing for or receiving payments, therefore? This must be reported on my Credit Report ( s ) and it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been a victim of identity theft someone used my social to open up a fraudulent account i need help to get this account removed please help me out, I have filed an ftc report also an ftc affidavit and got it notarized i hope this helps
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 sent THE BUREAUS INC a cease and desist order with a debt validation letter attached on XX/XX/21. The letters were sent certified mail with a green receipt number XXXX XXXX XXXX XXXX XXXX. I received my green card back on XX/XX/21 and it shows that both letters were received by a person named XXXX XXXX on XX/XX/21. This person is an uninterested party in this matter. In my cease and desist I demanded that THE BUREAUS INC send me an audit trail, respond to the debt validation letter that was attached, and send me ALL documentary evidence so that I can exercise my right in validating the alleged debt that THE BUREAUS INC claims that I owe them. It has been 7 days and I still haven't received any of my demands in writing. Congress finds that this is a violation of 15 USC 1692g ( a ) which states that within 5 days of initial communication with the consumer the debt collector must send the consumer a written notice containing the amount of the debt, the name of the creditor to whom the debt is owed, a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector, a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector, and a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. THE BUREAUS INC is also in violation of the FCRA ( Fair Credit Reporting Act ). I'm not sure how they received my private information. I did not give written or oral consent for them to furnish financial information to ANY of my consumer reports, THE BUREAUS INC has committed identity theft. On my consumer reports THE BUREAUS INC 's states that, " account information disputed by consumer, meets FCRA requirements '' these statements are false, I never received ANY written notices from THE BUREAUS INC or documentary evidence that proves their claims that I owe them the alleged debt. THE BUREAUS INC is committing fraud and invading my consumer rights to privacy. THE BUREAUS INC has also caused me embarrassment, defamed my character, and harmed my credit worthiness and reputation by furnishing false financial information on my consumer reports. Furthermore, I have never done business with THE BUREAUS INC so I would like to know how they received all of my private financial information. I would also like to know who gave them consent to contact me or report anything to my consumer reports. THE BUREAUS INC is violating federal law. I need answers and this matter needs to be resolved immediately.
Product: Payday loan, title loan, or personal loan

Hello, on XX/XX/2016 I called Avant to pay off my account the person who help quoted me {$1900.00} to pay off my account that same day I made payment after she quoted me the payoff to closed acct. I been in the finance industry for over 10 years and i know when i get a call from a customer asking for a payoff we quote them an amount for that day to closed the acct. and end story. well Avant gave me the payoff and XX/XX/2016 i made payment and the next day they went ahead and deducted the monthly payment of {$190.00} the next following day XX/XX/2016 which I put a stop payment because i already had made a payoff on XX/XX/2016 they even sent me a letter saying after i had made the payoff amount of {$1900.00} my acct was XXXX balance. well Avant has been harassing me saying that I owe them now almost {$1000.00} and I totally disagree. they reported to my credit as my acct being on default. they claim that the payoff they gave me didn't include that payment that was due the next fallowing date. how is this even right? when you ask for a payoff to closed acct all fees and payments need to be included. 

I hope you can assist with this matter. 

Thanks
Product: Credit card or prepaid card

Charges were made on my credit card in Wisconsin supposedly on a credit card. I live in XXXX Utah not Wisconsin. On the day of the transaction I was in XXXX, Utah. I have submitted proof to Chase with several documents that I was in fact in Utah, one of these documents was Notorized by my Credit union stating I was in their Branch on the day of the transaction. Another proof was a letter by my barber stating I was getting a haircut on the day of the transaction. As I stated to them how could I get to Wisconsin, make purchases and get back home on the day of the transaction. The purchases were made at a XXXX and a XXXX. As I told them why would I shop at these stores in Wisconsin when we have them both locally.I have sent this information to them twice and they still say I purchased them. Now they have reported to you as a delinquent and passed due account and my credit score is suffering.
Product: Credit reporting or other personal consumer reports

I have filed multiple dispute with Experian now and they still do not provide me with proper information on how everything is verified. I have asked XXXX different times and they always say account is verified.
Product: Mortgage

I received a bill from XXXX XXXX for my homeowner insurance on XXXX XXXX. The bill wa overdue since XXXX XXXX. This should have been paid by Loan Depot out of escrow account, I just did a refi, account XXXX. I called loan servicing and the gentleman said I should go ahead and pay it since I was without coverage, submit the receipt and they would reimburse me. I paid the {$700.00} bill and submitted the receipt. Then a XXXX XXXX said I needed to submit the original bill and declarations page from XXXX XXXX, they would pay XXXX XXXX and XXXX XXXX would reimburse me. I said that the issue was between Loan Depot and XXXX XXXX and I had already gone above and beyond. They refuse to reimburse me and I assume we will play this game every year.
Product: Debt collection

On XX/XX/XXXX I filed a complaint with XXXX  regarding suspicious intent to collect debt not owed. 

On XX/XX/XXXX XXXX  responded stating on XX/XX/XXXX initial notification of deb sent via mail and again on XX/XX/XXXX. 

On XX/XX/XXXX letter failed to clearly state my right to dispute the debt within 30 days and my right to assume the debt is valid if you do not. This violating the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

This alleged debt and been paid and updated with the original creditor! Please remove collections account from my reports immediately! With R S Clark and Associates collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX breached it own contract. All parts were NEVER delivered yet i was charged. Even though they explocit state in the contract that payment is not due until all parts are delivered. Its been 5 years and i still have received the part. I will continue sending complaints until the tradeline is removed.
Product: Mortgage

I received a satisfaction of mortgage on XX/XX/XXXX. I am trying to get a home equity loan, and I have learned that there is still a lien on my mobile home title with the DMV. I called Wells Fargo and asked for a lien release on XX/XX/XXXX. The DMV would not accept what was emailed to me on that date. They need something signed in ink. I called twice on XX/XX/XXXX. I was told I would have to go to a branch to get a lien release signed in ink, and that it isn't something they could mail to me. The nearest branch is a two hour drive from my house. Then I was told by a supervisor to go to the county tax office to see if they have the original. They did not have the original. I called again and finally was told I needed to submit a written request. I asked for a supervisor. I was given Case # XXXX, and told to fax a written request. I faxed a written request on XX/XX/XXXX asking for the bank to electronically release my lien, and to send me a lien release letter signed in ink. I have heard NOTHING from them. I am now held up on getting this loan and have lost my interest rate that I was locked in at for a set number of days. This is absolutely absurd, I paid this loan off THREE years ago.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX
Product: Credit reporting or other personal consumer reports

The addresses and names are not my correct information. Per FCRA 15 USC 1681 credit reporting agencies must report correct and accurate information. 

I have asked several times for Experian to update my correct name and address on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX, has violated my rights. 

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.