23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I lost my job due to Covid-19 pandemic. I was unable to make the payments. The company never tried contacting me to help me with a resolution. Actually never contacted me at all in the last 2 years. In my defense I thought they were doing some kind of relief program for the pandemic because on my credit report it said " write off ''. All of the sudden, last night ( XX/XX/2022 ), sheriff shows up with a summons to be in court on XX/XX/2022. They are pursuing a judgement against me for {$2900.00} plus {$990.00} in attorney fees for a total of {$3900.00} plus court costs and private process server fees. I am struggling to put gas in my car and food on my table. They could have at least called me to discuss a payment plan, then I wouldn't have incurred extra cost.
Product: Credit reporting or other personal consumer reports

I've been disputing some accounts that are being incorrectly reported on my credit file, and the credit bureaus keep verifying my disputes as accurate, but I disagree with my dispute results and am asking for a re-investigation. 15 U.S. Code 1681i - Procedure in case of disputed accuracy is being violated by the way my credit is being reported, and 15 U.S. Code 1681n - Civil liability for willful noncompliance states I am entitled for up {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently received my credit report and it indicated that my account with XXXX was deliquent, i have never been deliquent and it stated the date of XXXX XXXX and the balance XXXX. I have a car i am financing with but that is the incorrect amount and i have never been late with the company. I contacted XXXX and they do not show that amount or me ever being late.
Product: Mortgage

Our home mortgage was purchased by RoundPoint Mortgage Servicing and transferred to them in XXXX of this year. We provided RoundPoint with no information, and I assume everything was transferred from our previous mortgage servicing companies. In XXXX, we changed home insurance companies. I was told by my new insurance company that they would/did send our new policy to Roundpoint in late XXXX, the day we changed insurance companies. After receiving another notice from RoundPoint that it was not received, I also sent the documentation on XX/XX/year>. I was told by the RoundPoint agent on the phone that she received the insurance copy via email and we were good to go and that I could ignore any other notices. We received another notice on XX/XX/year>, that the company still did not have our home hazard policy this time for XXXX. I again contacted Roundpoint and sent a copy of our now-terminated policy that showed proof of coverage through XX/XX/year> ( the date our new policy started ). We have now received another letter, dated XX/XX/year>, that insurance has been purchased for the lapse in coverage that never occurred. I am calling them for the third time. This is ridiculous. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the accuracy of XXXX XXXX account # XXXX and request validation that this account even belongs to me. I keep receiving the same responses back rom the bureaus, " We've verified that it's your account. '' However, I have requested proof that this debt belongs to me such as the original application with my signature on it, contract with my signature on it, but the bureaus have failed to accurately verify that this account belongs to, and still has not delete this unverifiable account.
Product: Checking or savings account

CHASE CLOSED ME ACCOUNT FOR NO REASON, BUT THAT IS NOT THE PROBLEM THE PROBLEM IS THAT THEY ARE HOLDING MY REMAINING BALANCE BECAUSE SUPPOSEDLY THEY CANT VERIFY IT. I AM ASKING THEM HOW OR WHERE THEY GET THE NUMBER BECAUSE THE CHECK MAKER AND BOSS SAID THEY HAVENT CALLED SO I GAVE THEM THE CORRECT NUMBER AND THEY WILL NO ACCEPT IT BECAUSE SUPPOSEDLY THEY CANT USE THE NUMBER BECAUSE IT IS NOT ON THE SYSTEM. IVE BEEN TRYING TO GET A HOLD OF THE FUNDS SINCE THE3 DAY THE ACCOUNT CLOSED
Product: Credit reporting or other personal consumer reports

I desperately need some help resolving the situation at hand!! I reviewed my credit report and noticed an incorrect entry being listed in the collections section. Take note, I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. I have tried to have this validated by the collection agency, to no avail. So, I am requesting that you please verify that the information reporting on this account is in fact correct. Also, please send me the procedures that you take in order to verify. I want to know who you contacted in order to verify and their address and phone number. Since, the company is unable to provide me sufficient proof that I am legally obligated to pay this alleged debt, I am requesting that you delete it from my credit report. Please send me confirmation of said deletion. XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX. Please delete this fraudulent account ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified mail about XXXX XXXX XXXX # XXXX payment is history is inaccurate, please method of verification of late payments. All the parties involved in the investigation : Full Names, Phones, Addresses, Documents, and Dates. I have to right per the Fair Credit Act to request this information.
Product: Credit reporting or other personal consumer reports

XXXX is illegally using this charge off for tax benefits. 

Account in question : XXXX XXXX Re : Form 1099-C Cancellation of Debt I am writing to you regarding a matter of utmost concern regarding the inaccurate reporting of a charge-off on my credit report attributed to your agency. Upon reviewing my credit report, I discovered a charge-off entry which, according to the IRS, constitutes debt that has been discharged and subsequently utilized for tax benefits by your agency. It has come to my attention that your agency has been unlawfully reporting this information on my credit report, while simultaneously attempting to collect on the debt or maintaining a charged-off status. 
As per the guidelines provided by the IRS, such actions amount to tax fraud, a serious offense which I am prepared to report should this matter not be rectified immediately. I hereby exercise my right to demand the immediate removal of this inaccurate information from my credit report. Additionally, I require you to provide me with a copy of the Form 1099-C related to this debt, to be sent to the address provided above or via email at your earliest convenience. 
XXXX XXXX It is evident that your agency has violated the maximum accuracy standards outlined in the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681e ( b ). By reporting information that is demonstrably not XXXX  % accurate, your agency is in clear violation of federal law. Continuing to report this inaccurate information would only exacerbate the situation and would constitute willful violation of various provisions under 15 USC 1681s-2. 
Moreover, I have been directed by the IRS to file Form 3949A for illegal tax violations against your company in order to address this matter. I trust that neither you nor your Executive VP would desire to engage in legal proceedings over such blatant transgressions. 
I hereby demand that you take immediate action to notify ALL ( XXXX ) credit bureaus to remove this erroneous information from my credit report without further delay. As I am attempting to settle this matter privately. 
Failure to comply with this immediate request will leave me with no choice but to pursue all available legal avenues to ensure my rights are upheld and justice is served.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete this account XXXX XXXXXXXX for violation of sectioXXXX XXXX XXXX failure to enter the required notice of dispute within 30 days of receiving the initial dispute letter. The Initial dispute was acknowledged by Transunion on XX/XX/2022. Acknowledged by XXXX on XX/XX/2022. Acknowledged by XXXX on XX/XX/2022. Delete for violation. 

Delete this account XXXX Bank XXXX for violation of section 623 for failure to enter the required notice of dispute within 30 days of receiving the initial dispute letter.The Initial dispute was acknowledged by Transunion on XX/XX/2022. Acknowledged by XXXX on XX/XX/2022. Acknowledged by XXXX on XX/XX/2022. Delete for violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed some accounts on my credit report that was not accurate, multiple accounts, they where supposed to be removed with proof from the original creditors, The credit bureaus have failed to acknowledge and execute on this issue for months now. This has been going on past 45 days. All proof is below, they informed me that if I was a credit repair organization or using a Credit Repair organization I would need to state that, no law says I need to state anything about my credit because it is part of my consumer privacy protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this CFPB Complaiont to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT REPORT. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. The item in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX A XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, A XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Entered into an agreement to pay amount owed with AMCOL systems for two accounts. One was with XXXX XXXX XXXX for XXXX and the other with XXXX XXXX XXXX for XXXX. They automatically withdrew funds from my bank account on XXXX, XXXX and XXXX for XXXX each time. They did not withdraw the last XXXX from my account and then they reported it to the credit bureau agencies as me being delinquent. I feel that is very unfair as I was making payments, as arranged and they failed to withdraw the funds. This is not my fault.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX I do not recognize the inquiries as reported. The hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the inquiries are the result of identity theft and fraud.
Product: Debt collection

I received a debt collection letter from Ragan & Ragan PC ( copy enclosed ) regarding a debt that is not mine which I previously disputed with XXXX XXXX XXXX ( copies enclosed ) who failed to validate under the FDCPA and FCRA. XXXX XXXX sold a debt that was not validated to Ragan & Ragan PC. 
When I received the letter from Ragan & Ragan, which was originally sent to the wrong address, I immediately replied via certified mail ( receipts included ) advising them this debt was not mine. Today, XX/XX/ I received another letter from Ragan & Ragan demanding payment and claiming a copy of a loan agreement that does not contain my signature or any other identifying information, constitutes as debt validation. They have also stated I have 7 days or they will assume I dont have any other validation requests. These agencies abuse consumers because we dont know all the laws that are set in place to protect us. Im filing a complaint so that CFPB protects my rights and this agency stops its illegal and abusive practices. 
Ragan & Ragan PC File No XXXX XXXX {$9100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus reporting XXXX XXXX XXXX FOR {$880.00}. I sent my first dispute letter to all 3 credit bureaus on XX/XX/2020, the 2nd letter on XX/XX/2020, XXXX letter XX/XX/2020 and 4th letter sent on XX/XX/2020. Each letter sent was certified mail with affidavits attaches each time. I was challenging the validity of account for a XXXX XXXX account. I started with the credit bureaus ask them to validate the information and every time they stated correct but never provided any information just would update the remarks on credit report as meets standards. I also reached out to the collection company filing a debt verification on XX/XX/2020 and asked them to verify the debt but after 30 days no response from XXXX XXXX. Attached you will tracking information of letter being sent certified to XXXX XXXX with return receipt. while looking at my accounts I noticed that the " Dates Open : varied on credit report and " Dates last active '' also vary on my credit report. I believe I have exhausted all my resources and have not received a sufficient response from collection agency or credit bureaus. At any point during my request has anyone provided any information or updated me properly on what was found so I could understand why this account is valid. At this point I'm trying to purchase a home and improve my credit situation but as I reach out to the credit bureaus I have receive no assistance.
Product: Debt or credit management

At first collection looked like it was corrected now showing up on Equifax and XXXX reports as a negative, even though it has been satisfied in full.
Product: Debt collection

Please remove and blocked this fraudulent account. every time I see this on my account, it causes me XXXX and XXXX. rid this immediately.
Product: Credit card or prepaid card

American Express has not resolved these issues even after multiple complaints concerning the excessive late fees charges which is false and excessive interest fees charges which is false and the excessive and improper total balance of {$24000.00} which has accumulated over at least 2 years with a cash advances activity on XX/XX/2019 which I have no knowledge about the cash advances nor did I take out any cash advances. American Express has failed to provide me with any information about the XX/XX/2019 cash advances that on my statements with cash advance activity. I am constantly being harass to make payments on the above balance in which they are supposed to be conducting a forensic investigation on the above total balance thats being disputed, they had added late fees and suspended my charging privileges because Im not making payments on the disputed balance which is wrong and this is in dispute and under review, until this is resolved by law they are not to be charging me late fees or harassing me to make payments when a dispute is in progress. Attached is just a few of the numerous of harassing phone calls and messages. XXXX XXXX stated to me they dont know anything about the above balance is being in dispute and thats the reason they continue to call for payment. Please inform XXXX XXXX that the total balance is being disputed and continue to be under investigation as they have already emailed to CFPB because they are not listening to me. The calls are agitating all times of the day.
Product: Payday loan, title loan, or personal loan

Something that has happened to me makes me realize what can go wrong with Buy Now, Pay Later ( BNPL ) credit products : I am getting billed {$1800.00} for a fridge I do not have and there is no central point of responsibility in these BNPL schemes to fix the problem. 

I purchased a fridge from XXXX. XXXX on a BNPL scheme. I even bought the extended warranty. 

The fridge came with a broken cooling mechanism and could not get below 75 degrees. So, I invoked the warranty and found out I was really dealing with Summit Appliance because that is who made the model of the fridge I purchased. So far, so good. 

The fridge could not be repaired and so XXXX said they would process my claim for a full refund. I have that in writing. I never heard anything more from XXXX. XXXX or XXXX although I did call to confirm that my debt was erased. 

But now, I went to purchase a home and, like many Americans, find that BrandSource, which is the BNPL third party payment merchant, says I owe the full amount for the fridge. BrandSource is owned by Citi. Before taking up the matter with the credit reporting bureaus, I went to BrandSource and explained why I do not owe the charge and frankly, am surprised I even still have an account with them at all. 

BrandSource and Citi would not let me forward them the email trail where I have in writing that my debt was forgiven by XXXX  XXXX. Instead of a low-cost email paper trail, they want me to print or fax my emails. Fax? I dont have a printer either. BrandSource also said the dispute could take 6-9 months to resolve by Citi, all the while it is on my credit report and could mean hundreds or thousands of more over the life of a home loan. 

I kept pressing over the course of many frustrating phone calls ( and you can not call Citis resolution department or BrandSources consumer payment department directly, let alone try to communicate with both parts of the company at the same time ). Finally, BrandSource ( Citi ) told me that they can not resolve the dispute at all because they do not have the records from XXXX. XXXX and that they consider my case closed. 

So, me, a consumer, is stuck trying to resolve a business-to-business records problem involving XXXX. XXXX, XXXX XXXX, BrandSource, and Citi. 

I am not empowered to resolve the problems in their business-to-business relationships and the peons they employ at customer service are not really empowered either. 

But Im still getting an {$1800.00} bill for a fridge which I do not have as well as a further unknown but potentially more costly hit on my credit reportId also like to buy a car My experience demonstrates the danger of getting that credit from a BNPL relationship because there is no central point of responsibility to the consumer if the goods are never delivered as promised.
Product: Credit card or prepaid card

Because I have already filed a complaint about this back in XX/XX/XXXX, I will be brief and simply attach a written demand I submitted to Discover Card 's XXXX XXXX today. 

Discover continues to reapply an illegitimate charge of {$1800.00} to my account and, shockingly, today it advised me that the dispute went to an unidentified, unilateral, third-party arbitrator/arbitration service, which, on its face, is outrageous. I took no part in such process and in any event, the reason for the reapplication of the charge is unlawful, unfair, deceptive, and smacks against well-settled contract law. 

I demand that this {$1800.00} be fully and finally removed from my account. I will not waste anymore of my time addressing this dispute with inept Discover Card, unless it is through legal action that I have authorized my attorney to undertake in the event this unseemly and senseless process is not fully and finally resolved in a favor manner by XX/XX/XXXX. 

Also, because of Discover 's unacceptable, irrational, and highly inept business practices, I was forced to terminate my XXXX relationship today, XX/XX/XXXX. I can not rely upon or trust this company and it is causing me immense emotional and financial distress.
Product: Credit reporting or other personal consumer reports

I have several account that is reporting negative on my credit report I have already sent and spoke with the credit agent to verify theses account its has been XXXX  days nothing has been resolve.Please advise me on what to do .These account is damaging my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXXXXXX XXXX XXXX and may have got into the hands of the wrong person.
Product: Debt collection

I have mailed Transunion and XXXX regarding a reporting issue I recently descovered. According to my records they are reporting XXXX XXXX account # XXXX with missing information. The closing date doesnt match or its simply not being reported. Ive sent many letters to have this resolved to have a more clear and correct consumer report.
Product: Credit reporting

We have been trying to get our bills paid to increase our credit scores. When I went into our credit reports we found credit inquiries that were not authorized dropping our scores approximately XXXX points. We contacted XXXX, Equifax, and XXXX in writing and by phone and they state that they will not remove them, that it is a law for them to report who pulls our credit reports. However we did not authorize these inquiries.