23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Chime closed my account on XX/XX/XXXX due to violating terms. I had a private person send me XXXX XXXX I contacted them and was told I would receive the balance within a month, 2 weeks to allow for any pending transactions and 2 weeks for mailing. I was told on XX/XX/XXXX I believe ( see attachments ) that I would receive my balance within a month. I contacted chime on XX/XX/XXXX as I still hadn't received my check in the mail. They contacted me today, XX/XX/XXXX and said my account was not eligible for a refund.
Product: Debt collection

XXXX XXXX 1 tells me they hold old debt from me. They then refer me to collection companies and I call them an they have no record if any debt under my social.
Product: Credit reporting

Equifax is reporting a tax lien on my credit report from XX/XX/XXXX that was included in my bankruptcy that was filed XX/XX/XXXX and discharged XX/XX/XXXX ( reference # XXXX ). I am no longer responsible for this debt and it has been removed from public record ; however, Equifax refuses to remove this erroneous item from my credit report.
Product: Credit reporting or other personal consumer reports

In my TransUnion credit report, there are several hard inquiries that I do not recognize or authorize. Below are the inquiries in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I sent a letter to TransUnion requesting the removal of these unauthorized inquiries, as I understand that under the Fair Credit Reporting Act ( FCRA ), only legitimate inquiries should appear on my credit report. In response, TransUnion invited me to call. I made several calls, but I did not receive a satisfactory resolution. Instead, I was told to contact the Federal Trade Commission ( FTC ).

Therefore, I am requesting that these inquiries be investigated and removed from my credit report if found to have been added without my authorization. I have attached a copy of my credit report with the inquiries in question highlighted for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX ) XXXX Balance : {$950.00} ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am both confused and furious by what the credit reporting agencies are showing on my credit report. I recently wanted to check on my information to make sure there wasn't anything inaccurate and see that a bankruptcy from XXXX is reporting. I immediately contacted my attorney who told me originally bankruptcy and any account associated with it can not be shown on my credit report and to contact the court. I then went down to the US District Court in XXXX, NJ and asked for documentation that they send to the credit bureaus without my consent. The young lady was very professional and told me they get these questions XXXX of times a month but they do not supply information to any credit bureaus because it's a violation of the privacy act and that's all she could tell me. I am ready to have my attorney file suit because this is ridiculous. I have not given Tran Union, XXXX, XXXX, XXXX XXXX or any other business permission to report ANY private information and demand it be removed in the next 30 days. I don't understand how any company has the audacity to violate a law abiding citizen 's rights. If this can't be resolved timely I will move forward with filing suit in my local federal court.
Product: Mortgage

We went to refinance got through most of it the gentleman that was processing it told us everything looked good and to not pay XXXX or XXXX. So here almost the end of XXXX i have not heard back from this guy at all and then we recieved a delinquent notice as the XXXX payment was not made because of what we were told. I called multiple times to him and other people to tell him to get back to me. Needless to say we are now out of refinancing and down a couple XXXX dollars from him not communicating to me and telling us not to pay our mortgage as the refinance was clear. His name is XXXX that works for Iconic mortgage company. Do not go with this company! Single income family also military that got taken advantage of.
Product: Credit reporting or other personal consumer reports

Spoke several times to agency at XXXX XXXX XXXX XXXX XXXX regarding the delinquency reported on XX/XX/2023. They claim they did not receive written information. I have sent that via mail as requested dated XX/XX/2023. The account was not delinquent for XX/XX/2023. A payment arrangement was in place ahead of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my THIRD time disputing these negative account on my credit report. I have a legal right to dispute anything on my credit report that was not authorized by me. I AM NOTANATTORNEY OR THIRD PARTY REP. The accounts are not mines : XXXX XXXX XXXX  # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, NCA # XXXX
Product: Mortgage

My loan was transfer from XXXX XXXX XXXX to nationstar. Ever since then nationstar keep denial our modification. They said it 's fraud paperwork. I and my family lived in this home since 2007. They ask us to verify our residency, but keep denial even though we supply them whatever they need. My loan number is XXXX,. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Debt collection

I have two companies actively pursuing the same medical debt from me. I have asked for validation letters and they provided with the exact same bills. 

I do not know who to pay or to set up plans with as they both say they own the debt. 

Bessine is charging interest and threatening to take me to court Consumer collections is not charging interest but is showing on my credit as a collection. 

I have attached the letters and records of both.
Product: Debt collection

Upon reviewing my credit report, I identified an account that was added without my authorization. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is my 3rd attempt to rectify this situation. I have provided proof that these accounts are fraud. I have attached below a document that sent to me from XXXX XXXX XXXX   proving that the account I had with them was fraud. I have also provided proof that the other accounts are fraud. Please review all documentation attached below.
Product: Checking or savings account

On XX/XX/XXXX, I received an email from Santander Bank advising me that my " 1099 INT Tax Form for XXXX is now available for viewing. '' I attempted to log onto the Santander Bank website to access the form, but I was unable to do so. In XXXX, I closed my account. Despite the representation that I could " access '' my tax form, which was " now available '' and " now ready, '' I could not log in. I called Santander Bank 's customer service and spent 10 minutes on the phone to attempt to access my account or the 1099-INT form that was " now available, '' but the representative simply advised me that I would receive it in the mail by XX/XX/XXXX. I repeatedly asked why Santander sent me an email telling me that my tax form was " now available '' and that I could " access '' it, but I did not receive an answer. The representative conceded that the form was " not available '' for me, despite the communication to the contrary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$120.00} ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX need to remove and delete late payments. They are not doing Their job at all. They have not sent me any proof at all. Under the FCRA, the burden of proof lies on XXXX you are the one allowing fraudulent information to report on my credit report.
Product: Debt collection

This matter revolves around a medical bill from XX/XX/XXXX that insurance after a lengthy battle did not cover the cost. I paid the XXXX bill in full XX/XX/XXXX. When I paid it, I inquired about having it removed from my report as it was hurting my score and it was medical related, not like a car repo for example. The manager was very nasty on the phone and claimed since I inquired with them about the bill when they put it on my report XX/XX/XXXX that they did n't have to provide any verification of said debt in writing as required by law and requested by me more than once.Her exact words were " If you dispute this file or complain about us we will make it very hard on you. '' ( This was after payment made ) For the last 2 years this collection read on my report as ND ( no data ) causing damage, but minimal.upon payment it is now listed as a fresh new collection dated XX/XX/XXXX under reported since, payment history and account history where it now is causing considerable damage to my score. on top of all that they keep updating it to say Collection account instead of medical as it really is, they list it as delinquent from the date I was in the hospital. They also list the terms of agreement as 1 month. all these should be marked n/aThey also refuse to remove the comments from the account calling it a collection in dispute, making me unable to get a mortgage because of those comments and them making it look like a fresh collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent dispute letters to XXXX, XXXX and Equifax several times. This is unlawful for these credit agencies to continue reporting inaccurate information on your credit reports. This is affecting my life. They are not verifying the information. Even after, I sent a snippet and explained the inaccuracy. This is not right or fair to the consumer. 

In accordance with the FCRA, XXXX XXXX  has violated my rights. The initial collector XXXX XXXX violated my rights. The collection was removed from XXXX and never appeared on Equifax. Now the account has been sold to XXXX XXXX  and the collection has reappeared on all bureaus with inaccurate information. This has taken my score down over XXXX points. 

XXXX5 USC 1681 602 A states I have the right to privacy.

15 USC 1681 604 A ( 2 ) states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681e ( b ) Compliance and procedures ( 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.
Product: Credit card or prepaid card

My problem at this time is that I was mailed a CITI ADD-ON REMEDIATION check for {$350.00} as required by a " class action settlement '' but was out of state for a year and a half and unable to receive the payment. Upon discovering this I proceeded to make an effort to have the check resent. I thought I had the issue resolved when on XX/XX/XXXX I spoke with a customer services representative from Home Depot Credit Services who, after putting me on hold, was able to provide an address and fax # where I could send a copy of the original check, cover letter that came with the check, a copy of one of my Home Depot credit statements, and my fax cover sheet explaining the situation. After faxing the required documentation I waited more than three weeks and decided it was time to call again. 
I have made no less than 10 calls to Home Depot Credit Services and to CITI Bank which each require a lengthy ordeal of going through the automated prompts and navigating a system which no longer includes my credit card account # because it is no longer in the system. When I call Home Depot Credit, they tell me I need to contact CITI. When I call CITI Customer Service they tell me I need to call Home Depot. There is a phone # on the check cover letter which has been disconnected. No one I talk to seems to be aware of this remediation program or how to direct me. 
I have researched the CITI Card Add-On-Remediation and I must say that your agency did get it right. I had been through an equally frustrating ordeal in or around XXXX when I discovered I had been charged {$12.00} or {$15.00} dollars per month for years without my consent or knowledge. At that time I went back and forth between Home Depot and the Credit Card company with each saying the other was who I needed to talk to. When I was told that I had signed up for this " Payment safeguard, Job Loss Protection '' I knew that would make no sense because I am XXXX and would not be eligible to file a claim. I found it humorous when I asked Home Depot to provide proof that I had signed up for this service, they sent me the last page of the credit card agreement which showed nothing but my electronic signature from a cash register receipt. At that time I resolved that although it wasn't right, I needed to take some responsibility for not looking closely enough at my credit card so I chose to move forward and take most of my business to XXXX. 
I am an XXXX employee of the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and as such am sometimes called away on XXXX for significant periods of time as I was for a year in XXXX XXXX and in XXXX Florida before that. It was during the time that this Remediation check arrived at my home address. Of course the check indicates that it becomes void upon 180 days of issue. 
I have spent hours on this as I did back in XXXX and I have gotten nowhere.Your help will be greatly appreciated. Thank You.
Product: Student loan

I submitted my final XXXX XXXX XXXX XXXX form in XX/XX/XXXX. I received a message from Mohela on XX/XX/XXXX that my form was received and would be processed within 30 days. Frome what I understand, at that point my payment count would be updated to reflect that I've met the XXXX  requirements and I would then begin waiting for loan forgiveness. It has been XXXX months since I received that message and my payment count has yet to be updated. I called Mohela in XXXX and I was told that processing takes 30 business days. Even that deadline has come and gone. XXXX processing times are absolutely terrible and an undue burden on those of us who have worked for a decade or longer in public service and are waiting for forgiveness that we have earned with long hours and low paychecks.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : 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: Credit reporting or other personal consumer reports

Recently, while reviewing my last credit report, I noticed an account that prevents me from accessing credit lines and said account is incorrect. Said account number is XXXX reported in Transunion XXXX I request that you verify said account. 
XXXX - XXXX XXXX
Product: Debt collection

I started to receive calls from Procollect INC ( PCI ) without knowing what the debt was about. I was evicted in XX/XX/XXXX and NEVER received notification about a debt or a right to dispute even after proving the previous. apartment owners of my change in address. I assumed that since last months rent was included in my moving in and since there were no damages done, I did not owe. They have been calling since XXXX with no documentation provided to me. It was not until XX/XX/XXXX that they told me the amount of the debt I supposedly owe AFTER I ASKED. They also asked if I had received notifications or documentation and I said NO. After that they asked for my correct address. I had no idea I had this much to pay let alone a debt at all ( {$5100.00} ). They stated that part of it was for trashI have video footage of the apartment being spotless as it was cleaned before I left. When asked for a description of the rest of the charges I was told she could not give me that information and she provided me with an account number to go online. The account # provided is incorrect as I have been trying to access the account since finishing out I owe such a significant amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed information with Experian in reference to XXXX XXXX XXXX. Account was sold to XXXX. 
XXXX repoed my vehicle on XX/XX/20, auctioned on XX/XX/20. I explained to Experian XXXX ( XXXX XXXX XXXX ) had my new address and repoed the truck, as well XXXX intentionally sent the redemption letter to my address, through regular mail ( Not certified- per GA Law ). As well XXXX XXXX is reporting the repo ands showing I never made any payments and reporting the full amount of the contract. I reported the same information to XXXX  ( who has deleted the file ) as well to XXXX  ( no response yet ). I sent Experian screen shots of payments, which showed the original amount of the contract and they still updated the information as Accurate. I personally believe they did no investigation and just updated it without reviewing.
Product: Credit card

I went to XXXX  XXXX XXXX , address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL, XXXX to resolve my issue with my XXXX  XXXX  on XX/XX/XXXX of 2024. She offered XXXX  XXXX  to wear. Device was very uncomfortable, bulky and difficult to wear. But I did wear it anyway for 3 month. This custom made device di nothing, my problem ( XXXX XXXX XXXX XXXX ) did not go away or even got little better. I decided go to another XXXX that I used in my past XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL. She made completely different XXXX  XXXX, that was small, lightweight and comfortable to wear. I did wear it for 2 weeks and problem disappeared. I send letter form my new doctor who helped resolve my problem to Care Credit Card that I am under supervision and in treatment of XXXX XXXX XXXX. I did file a dispute with my credit card ( Care Credit ), that office of XXXX  XXXX XXXX really fast suggested to use in amount of {$4200.00}. Care credit declined my dispute twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the Original creditor, One Main Financial, reporting a delinquency on my credit, after they sold the account to XXXX XXXX. The issue is that One Main is still reporting the account delinquent on my credit, and XXXX is reporting the account delinquent on my credit, giving the impression to other creditors that I have multiple delinquencies, when in fact I do not. 
This is false and misleading, and hurtful to my credit score and subsequently hurting my interest rates on credit cards and potential auto loans and mortgages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing you in order to request the deletion of the incorrect information on my credit report. The account under concern is : XXXX XXXX - XXXX. Your company is reporting that I missed a payment on XX/XX/2022, while I was never late. I tried to contact your company through calls and letters, but this incorrect information is still appearing on my credit. So I had to submit a complaint. Please delete this late payment mark from my credit history.