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

I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate, incomplete, or unverifiable information reported on my credit file under the Fair Credit Reporting Act ( FCRA ). I request an immediate investigation into the items listed below and a thorough review of the provided supporting documentation.
Product: Credit reporting or other personal consumer reports

AFTER CAREFULLY REVIEWING MY CREDIT REPORT THERE WERE SEVERAL ACCOUNTS THAT I HAVE ZERO KNOWLEDGE OF NOR DID I GIVE THEM AUTHORIZATION OR A SIGNATURE. Here are the accounts : XXXX XXXX {$680.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$2200.00} {$1000.00} XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX {$4900.00} {$3700.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX {$700.00} {$330.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX {$5000.00} {$4600.00} XX/XX/XXXX XX/XX/XXXXXXXX XXXX ( Original Creditor : XXXX SPRINT ) XXXX {$2300.00} XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$970.00} XXXX XXXX XXXX XXXX {$2300.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$370.00} XX/XX/XXXX XX/XX/XXXX HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Financing XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX Experian XXXX Auto Financing XX/XX/XXXXXXXX XXXX XXXX  Auto Loans XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX Experian XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXXXXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX Experian XXXX Auto Loans XX/XX/XXXX XXXX XXXX XXXX Auto Loans XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance Owed : {$6600.00} ; XXXX XXXX XXXX Balance Owed : {$3600.00} ; XXXX XXXX XXXX Balance Owed : {$4800.00} ; XXXX XXXX XXXX Balance Owed : {$3500.00} ; XXXX XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX Balance Owed : {$3000.00} ;
Product: Student loan

I am currently taking courses online and I have a pending student loan with Sallie Mae a private school lending organization. The problem revolves around the fact that such a firm has been legally informed about my enrollment status and the required formality of requesting the process of deferment has been completed. However, Sallie Mae has not deterred from their collecting efforts and has been calling me on a daily basis demanding payment on an account that should be on deferment. The form was e-mailed by the school, and it was also faxed by me. However, the collection continues and it is been reported on my credit report as negative information despite having addressed the issue with Sallie Mae and having reported such practice to this very organization. A practice I perceive as harassment since I am called on a daily basis by the firm at least twice a day and explaining the clear and obvious procedures has not deter such a conduct.
Product: Credit reporting or other personal consumer reports

This account ( XXXX XXXX  Account Number : XXXX ) was charged off on the following date : XX/XX/year>. Since then the date of last activity has been inconsistently updated. On Experian the date last active is XX/XX/year> and on XXXX its XX/XX/year>. If the information is coming from the original creditor the dates should be the same. We can not say that these are XXXX  % accurate so it is deemed INACCURATE. Please delete these accounts from my report.
Product: Money transfer, virtual currency, or money service

As of XX/XX/XXXX PayPal sent me a message saying limitation to my account because of a case on my account which I didn't have any idea of the following weeks I reached out to them to resolve my account and as of today XX/XX/XXXX I received a email from PayPal stating that I no longer have access to my account because of malicious behavior which is ludicrous
Product: Credit reporting or other personal consumer reports

Innovis Consumer Assistance XXXX XXXX XXXX XXXX, GA XXXX Dear sir, I have checked the report which your company branch has sent to me, dated on XX/XX/year>. Since another credit report which came from New Jersey state indicated all bank account information, which are checking and saving accounts, I would like your company to include this information into my credit report from your company. If not, I request your company to explain why the credit report company of Arizona State has included them and not yours. 
Also, I seriously wish you will mention my name properly as XXXX XXXX. 

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

I submitted a dispute for inaccurate history on XXXX XXXX account. XXXX XXXX did not provide proof of the " late payment history '' however the information stayed on my credit report.
Product: Mortgage

XX/XX/XXXX - I called the Freedom Mortgage customer care phone number. They assured me they would remove the forced insurance because I provided my insurance coverage details. The representative 's instructions were to send a message through the website 's messaging service. 

XX/XX/XXXX - Freedom Mortgage replied that they refused to remove my forced insurance escrow amounts. See below. 

I XXXX not agree with these forced escrow amounts. Can you help me resolve this please? 

" Thank you for contacting Freedom Mortgage Corporation ( Freedom Mortgage ). We received your request via our website on XX/XX/XXXX, regarding removal of the escrow account and insurance. We appreciate the opportunity to assist you and hope you find the following information helpful. 

The following insurance information is what we currently have on your account : Company : XXXX XXXX ( XXXX XXXX ) Expiration Date : XX/XX/XXXX Policy No. : XXXX Premium Amount : {$1400.00} We are unable to approve your request for escrow removal. The reason for the denial to remove the escrow account for the insurance is due to the lapse in coverage from XX/XX/XXXX, through XX/XX/XXXX, for {$230.00} and as a result, the account is escrowed for the life of the loan. 

To remove the escrow account, please provide proof of coverage for the lapse dates. Once proof of coverage is provided for those dates, we will forward to the insurance department to review for refund. ''
Product: Credit card

Full name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX address : XXXX Phone XXXX American Express Membership Number : XXXX Hello, I used to have an American Express XXXX credit card XXXX and it never had annual membership fees. In XXXX, I received an American Express XXXX card, which I never applied for and didn't use until XXXX. When I first received the card, I thought it was an upgrade to my old card, which I wasn't using. Time passed, and American Express never sent me a bill for the new card to my residential address. 

Now, when I started using my card and looked at my online account, I suddenly see all these 3 years ' membership fees. I tried calling them last XXXX, which they opened a dispute on and never accepted fault. Now, they want me to pay all three years ' membership charges and other fees associated with this. Please help me in this regard. I never applied for this new American Express card. I think they are intentionally sending these cards to people to charge membership fees. When I asked for proof of applying for this card, they are not providing anything. Please help me in this regard. 

Please call me on my cell phone or email me if you need anything else from my side. 

Appreciate your help in this regrads.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax : Creditors : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$1100.00} I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has now made false statements to the CFPB and myself. They lied and said they 'confirmed no negative account information is being reported to the bureaus. ' That is false. I have proof right here. I have a copy of my XXXX credit report, as of today, that proves the false adverse credit file information is still being reported. This now marks my FOURTH attempt to resolve this issue and I am preparing to file a lawsuit if it does not get corrected within the next 7 business days. I have had it. I am tired of companies thinking they can put whatever they want on my credit report that is completely false, and I am tired of the severely unethical and bias for-profit credit bureaus that allow it and make deceptive statements that the information has been verified as accurate when it absolutely has NOT been. I am not going to tell you again XXXX, get this false information OFF my report and do it NOW. I had a flawless record with your company, you closed my account anyway, and now you are reporting NEW and FALSE information against me that has destroyed my credit score as it is being considered by the bureaus to be 'report of a new bankruptcy ' and I am furious that you lied that no problem exists when I have already proven that it does. Fix it, and stop lying. It is causing me serious duress to have to haggle back and forth about it like its a fish market when I did absolutely nothing wrong to deserve this violation of my consumer rights and defamation in the first place. Take care of it and do not blow me off this time. I mean it. CFPB, do not transfer my complaint somewhere else this time and tell me you do not handle this type of complaint when the evidence is right here that you do because it is featured in all of your drop down menus. It's not my fault there are so many of my creditors, violating my rights with false information, that I have so many open complaints. You should be that much MORE motivated to help me, should you not? I want this addressed. And the fact XXXX made false statements in response to my last complaint, and still ignored my XXXX complaint altogether and said it does not exist. Well I attached a copy right here. So now what? # 1. XXXX information needs to be corrected including removing the false bankruptcy information that is currently being reported see copy of report for proof. # 2. My entire flawless payment history has been deleted from Equifax, that needs to be corrected. # 3. The 'customer disputes after resolution ' indicator needs to be removed from all three bureaus once those issues have been corrected.
Product: Checking or savings account

The Mountain America Credit Union staff promoted a false rate of interest for a XXXX CD at the same time the rate was to expire. 
XXXX staff members XXXX XXXX and XXXX XXXX? ) knew their promo rate would expire when I communicated with them via telephone and email. Now, they will not reply to my emails. Their online service, via my account, is usually inaccessible after attempting to contact them many times with XXXX different web browsers ( I have had no other accessibility issues on other websites ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and WF CRD SVC. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and WF CRD SVC with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent my written request to Equifax about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these inquiries or have Equifax get back to me with regards to the issue. Here are the items that concern me : XXXX  Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020 XXXX  Date of inquiry XX/XX/2020
Product: Credit reporting or other personal consumer reports

On XX/XX/, I submitted disputes to the credit bureaus about fraudulent accounts. Till date I still havent received any responses or updates to my credit report. 15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than 4 business days after the date of receipt. 

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. XXXX XXXX XXXXXXXX Balance : {$5000.00} XXXX XXXX Balance : {$930.00} XXXX XXXX Balance : {$4300.00} XXXX XXXXXXXX XXXX Balance : {$430.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX Balance : {$8500.00} XXXXXXXX XXXX XXXX Balance : {$21000.00} XXXX XX/XX/year>
Product: Debt collection

I checked my credit report for this first time and I discovered I had someone use my identity to get medical services in the state of Alabama and Texas. I have never in my life been to either state or lived there, went to school etc. I called them and said it was not me they say its nothing they can do because the debt is in my name. How is that possible? I filed a ID Theft Affidavit from the government website. Now they are saying Im still the one who did this but its impossible. I am only XXXX years old I live in Minnesota and Im about to graduate from college. I have no reason to not pay my medical bills because Im still insured under my parents. There are 2 bills with this company Phoenix Financial Services and they are causing me bad credit ratings.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's a XXXX  XXXX Bankruptcy showing on my credit file that was XXXX XX/XX/2017, the problem is I've never filed bankruptcy. From my understanding Creditors are required by law to only report accurate information to credit bureaus. This requirement protects consumers from having any inaccurate information on their reports that would unfairly harm their credit. The Fair Credit Reporting Act ( FCRA ) gives me the legal right to dispute inaccuracies and errors on my credit report. If I challenge an entry and the agency that reported the entry cant defend it, then theyre required to remove it. Well, I've disputed this bankruptcy multiple times with Experian, XXXX and XXXX and all three have said they verified the information with USBK Court Arizona. I sent a letter to the Clerk of Court at USBK Court of Arizona explaining that I have a record from your court appearing on my credit report. Ive disputed the item with the credit bureaus Experian, XXXX, and XXXX- all of which confirmed the record was verified by you. Please provide the procedure in which you verify records with the credit bureaus. The clerk of court responded stating they have not verified any personal information and that it is against their policy to provide any information to the credit bureaus. At this point it is clear, the USBK court of Arizona does not report to any credit bureaus therefore the original response from Experian, XXXX and XXXX stating that they have verified the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Product: Vehicle loan or lease

I refinance my used vehicle loan through NFCU. Around XX/XX/2021 I requested form XXXX from the banking institution regarding all statements of accounts, in order for me to file my taxes correctly on the used vehicle loan assessment, in which I was told, management would get back with me regarding that, because the current staff was unaware, but I never received any notice regarding what I requested.
Product: Credit reporting or other personal consumer reports

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 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: Mortgage

I have been trying to negotiate a loan modification, a short pay for the second since XXXX. They tell me they want XXXX for my second that was originally XXXX. For a loan modification they want XXXX down and never said how much a month after that. I do not have the means to pay that. I have offered XXXX which was the original amount of the loan and was literally laughed at on the phone. My husband passed away and I am on a limited income and would like to retain my home. I have tried talking to this company that took over my loans in XXXX of XXXX. They are rude and refuse to help me.
Product: Credit reporting or other personal consumer reports

I recently submitted information to the credit bureaus about fraudulent accounts on my report. And according to 605B of the Fair Credit Reporting Act, which requires the CRA to block the fraudulent information on my credit report resulting from identity theft within four business days. This account is fraudulentXXXX XXXX and it was removed from my report then a few days later it was placed back without any reason. This block was not requested in error and the CRA has no reason to rescind blocking of account from my report. The CRA has a duty to do what is fair and equitable to the consumer. Please remove this fraudulent account.
Product: Debt collection

I have called this Columbia Debt Recovery and they said I lived at XXXX XXXX ast a resident. I have lived in XXXX at the same address for the last 15 years. I can prove this I also worked at the same job for the last 5 when they say I was living at this apartmet complex.the amount owed is {$8.00} XXXX it list 's my name as XXXX XXXX XXXX I have not been XXXX XXXX for 30 years, I have been divored from XXXX XXXX for 30 years. The person that lived at this complex at this time was my son, I was called and asked could I be an emergency contact, I was never send any mail in XXXX telling me there was an evection or money owed. I called Columbia Debt Recovery and asked them to e-mail me documents with my signaure on them and they have not done so yet. I filled a dispute with experian also. I do not know how this can be my debt when they are saying I was a resident when I was not, I was just a emergency contact, someone in the leasing office lied or mislead paperwork. This is false information, I never lived there, I CAN PROVE THAT, I NEVER RECEIVED MAIL THERE, I CAN PROVE THAT, I NEVER HAD A KEY TO THIS APARTMENT. HOW CAN I BE HELD LIABLE FOR THIS? I HAVE GOTTEN NO PAPER WORK FROM ANYONE. I JUST MOVED TO ARIZONA A YEAR AN A HALF AGO WITH MY HUSBAND, I WANT THIS REMOVED.
Product: Debt collection

opened XX/XX/2014, {$860.00}, was paid by XXXX XXXX XXXX at hospital