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

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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: Credit reporting

I have filed several requests with Equifax to have them delete Liens which have been withdrawn by the IRS. I have also sent in reporting documentation, including Identification, Insurance Bill, Drivers License and Social Security Card and receiving no assistance from Equifax which is reporting incorrect information in my credit file and have requested and sent documentation over XXXX times via mail. I have also attempted to dispute online several times and each time I attempted to upload the supporting documents or call into customer service I would receive stall tactics with no intent from Equifax to resolve this duplicating issue. I believe this is a discriminatory tactic in attempting to keep derogatory information on my credit file. They are very deceptive in their practices in their attempt to keep consumers laden down with obsolete or erroneous information on their credit file to prevent them from moving forward in life to obtain credit. We are in the process of trying to purchase a home and need to the lien of XXXX deleted from my credit report which IRS has sent formal documentation and also provided me with a print out of the Withdrawal of {$31000.00} included in the total of the original Release of XXXX, XXXX. The {$31000.00} is a duplicate of the total which has been withdrawn and reported to the filing Court by IRS and other obsolete information they are reporting which has been over XXXX years still on my file. They have extended their statutory limits which is an attempt to keep people bound and oppressed which is discriminatory and predatory. The other XXXX Credit Bureaus received the same information and have deleted the XXXX from my file. Why is this an attempt of Equifax Information Services to discriminate against XXXX minorities who are trying to move forward in life. Please help me to resolve my credit reporting issues with Equifax.
Product: Credit reporting or other personal consumer reports

My consumer rights are being ignored and violated. I have tried to resolve with the company but to no luck. I am attaching how I feel my rights have been violated with the dates and verifications to have this resolved. Thank you Please see attached
Product: Debt collection

This was not sent in error XXXX XXXX XXXX consumer by law at XXXX XXXX XXXX XXXX XXXX misused at XXXX I have some false at not 100 % accurate XXXX XXXX XXXX. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In regards to the entry of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$320.00} {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX I am disputing 100 % of this profile collection entry. 
I am demanding that this entry be removed and blocked asap from my name and personal information on file with the CRA. 
With the on-going XXXX security breach, it looks like you are continually allowing bad data to take over your records. 
Consistent identity theft is on-going and you are not providing the needed level of security to make sure the wrong information is not reported on my account! I will not stand for this. 
Look at my history with you, in disputing junk and erroneous information. 

This does not belong to me and you are again aiding in ruining my credit profile with this erroneous account. 
REMOVE THIS ASAP!
Product: Checking or savings account

ChekSystem did a temporary quick fixed on about end of XXXX XXXX then I can open an account on XX/XX/XXXX and now after I tried to open an open in XX/XX/XXXX but bank decline to open an account and referred me to ChekSystem again. So far since XX/XX/XXXX up to date I have never have any activity with loan or any credit card with any finance institution. I need ChekSystem to fix the problem not just only did it for temporary only
Product: Credit reporting or other personal consumer reports

I need this collection to be remove of my credit report asap
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX  XXXX Balance : {$1300.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter concerning my credit report with Equifax. Recently, I noticed two inquiries on my report that I did not recognize or authorize. Despite my immediate action to dispute these inquiries with Equifax, they remain on my report.

Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, I understand that Equifax is required to conduct a reasonable investigation into these inquiries. However, I have yet to see any resolution or receive any communication from Equifax regarding this matter.

Furthermore, as per the FCRA, once Equifax receives my identity theft report, they are required to block the disputed information within four business days. I kindly request that this provision be enforced.

DISPUTED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried explaining to this consumer reporting agency that I didn't authorize this reporting agency to report this inaccurate information on my consumer report. It is really starting to become a burden on me and my family.. this is a complete error on behalf of this reporting agency. I have never been late on my payments to XXXX XXXX and would like this matter updated to paid and current.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXXXXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX XXXXXXXX Balance : {$630.00} XXXX XXXX XXXX XXXXXXXX Balance : {$62.00} XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXXXXXX Balance : {$630.00} XXXX XX/XX/year>
Product: Debt collection

I am being sued by a rental property. They hired a collection company to collect a debt that is more than a year old. I never received any notification about the debt until the collection company called me. They harassed me by phone on XXXX/XXXX/16 requesting a payment in two hours ( half of the original amount ). I contacted the rental property and the Assistant manager, gave me two completely different versions of my situation and at the end told me that she did not have my file so she could not provide me with any more information. I also sent XXXX emails to the company 's receivables department and I was redirected to the collection company. I also sent a certified dispute letter to the collection company a few days later. No one ever answered it or contacted me, but they reported the debt to the credit bureau. Now, my credit is affected by invalidated information.
Product: Debt collection

Collection agency Gulf Coast Collection Bureau , Inc. has sent me a late 30 day notice on a debt to the wrong address, leaving me little time to dispute debt. Debt notice dated XXXX/XXXX/XXXX, but only received on XXXX/XXXX/XXXX, leaving me little time to respond. 
1. Debt in dispute is from XXXX XXXX for unwanted and unnecessary services on XXXX/XXXX/XXXX. I had no injury and no complaint of pain. 
2. I signed a Patient Refusal form XXXX/XXXX/XXXX at XXXX on XXXX XXXX, XXXX XXXX. 
3. The Paramedic erased my signature, and altered a medical record -- a violation of Florida Statute 395.302. 
4. In email XXXX/XXXX/XXXX, the XXXX County Director of EMS and Fire Administration admitted the signed Patient Refusal form was erased by the Paramedic, and said the Paramedic would be given remedial training to ensure that patient signatures are saved. 
5. XXXX actions in destroying my written refusal of treatment and transport is BREACH OF CONTRACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1681i ( 7 ) Method of verification my last dispute I request the name of the persons, with their business addresses, that you contacted for verification of this information. I also demand to see any account level documentation including any documentation that bears my signature requesting from the accounts listed. 
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: Mortgage

My wife and I refinanced our home mortgage with  JP Morgan Chase  in  XXXX  and it was to be an interest only loan. We have received a letter from the bank  (   XXXX   XXXX  ) advising us that our loan is being amortized over 20 years and our interest rate is being increased. This action will nearly double our mortgage payment. As I am  XXXX   years old  and my wife is  XXXX   years old  and we our on Social Security, as our only stable income, this action will cause us to have to sell our home. I have tried to contact the bank but I get transferred around to different people having to tell the same story over and over again only to ultimately be put on hold and then have them just disconnect my call. So, I get to start all over again. I received a letter from Chase Bank, the first week of  XXXX . The letter had a  XXXX   XXXX ,  XXXX  date on it. It told me That a  XXXX   XXXX   XXXX  was my " new dedicated Relationship Manager. '' It said, " Call me any time you have questions or concerns. '' It listed 3 numbers. A general number, TTY number and a direct number. I, of course, called the direct number and rang into the same old call center that I been calling before. I was put on hold to finally get a lady who explained to me that there was NO  XXXX   XXXX  working for Chase Bank. She also explained that a lot of changes have been made. I told her the letter was dated  XXXX . She said " Well SIR, this IS  XXXX   XXXX . '' I asked to talk to her supervisor. I was put on hold for an additiona l 5  minutes to be disconnected. In addition, I pulled out my paper work from the refinancing in  XXXX  and could find no where in the loan documents a "  XXXX   XXXX  '' that disclosed the interest rate, total amount of interest, and total amount of payments if the loan termed out over 20 years. In a previous conversation in  XXXX   XXXX , I had asked  Chase  to send me copies of my paper work showing me where it said my loan termed out over 20 years in  XXXX  and a copy of my  Federal Disclosure Box  signed and or initialed by me and my wife as their letter stated. I received some paper work sometime in the next couple of weeks from Chase. They sent me some of my documents and some documents belonging to some people that had nothing to do with MY loan. They never sent me any copy of the  Federal Disclosure Box  that I had requested. We were never told by the loan officer, in  XXXX , that our loan would term out in 20 years starting in  XXXX  of  XXXX . There is a paragraph hidden in the middle of the  30  plus page document, that we signed and initialed, that speaks to the 20 year amortization but no  Federal Disclosure Box.  So, they lied to us at the time of signing and hoped we would not catch their lie ( which we did not ) as we worked our way through the signing and initialing process, for our house, at closing. We need help before we fall behind on our mortgage payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a copy of my credit report on XX/XX/18 for my personal purposes of ensuring that all account entries were reporting accurately. A week later, I received a notification from my credit monitoring subscription that 2 negative account entries were reporting on my report. To my dismay, I found that these were accounts with 3rd party collection companies that had in fact been deleted from all of my credit reports previously due to the fact that these companies were unable to verify the information that they were reporting ( See attached dispute letters ). I submitted dispute letters multiple times to both of these companies which resulted in the items being deleted. See attached credit report dated XX/XX/18 where my credit reports bore no collections. These account entries must be DELETED immediately. 

Additionally, my complaint against XXXX and Equifax is that they allowed the re-insertion of these accounts on my reports and DID NOT notify me five ( 5 ) days prior to doing so which is a direct violation of my consumer rights. Further, I have received NO CORRESPONDENCE FROM XXXX XXXX OR XXXX  regarding any additional information they have to support re-inserting these entries on my credit reports. The law mandates that 3rd party collection companies have 30 days to investigate the dispute and respond with their findings. Being that they were unable to do so previously, does not mean that they are at liberty or will to reinsert these same accounts because time has passed. Blatant violation of my rights. 

Prior to hiring an FDCPA attorney for these inaccurate entries and illegal re-insertions, I am demanding that both these account entries be deleted from my XXXX  and Equifax reports immediately and that I am provided a copy of the updated reports for my records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX am complaining about XXXX XXXX XXXX under the account # XXXX in which this account contains fraudulent charges and was opened fraudulent and I have no idea who the person is. I have attached the FTC reports pertaining to this fraudulent account and am pushing to have this removed from my Transunion credit report.
Product: Credit card

XXXX XXXX claim XXXX I stated the item was lost. My policy covers me for lost items up to {$1000.00}. This was reported within 90 days and my claim requests a technician 's evaluation of the item. The item is lost, and can not be evaluated by a technician. The representative I spoke to on XX/XX/2023 would not let me file the claim as " lost '' stating my policy did not cover lost items. He said only theft was covered. I am not certain the item was stolen. Therefore the claim is reported lost under section i. of the " Mysterious Disappearance '' section of my purchase protection card policy. 

I spoke to XXXX different representatives, and both initially stated I could not file for a lost claim. Associates are not properly trained and are giving misinformation resulting in denial of claims of card members.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested in writing proof of debt for XXXX XXXX XXXX. I have been in federal XXXX and they claim I owe this debt even though at the time I was in XXXX. It has been removed under different collection agencies several times. I never got a reinsertion notice nor proof of debt as per the fcra. I have multiple physical letters as well as online disputes. They offer me no proof. Ever.
Product: Student loan

I called on XX/XX/2023 to find out what repayment plans I qualified for. I was told I qualified for a Graduated Repayment plan and that I would receive an email confirming the plan. It is now XX/XX/2023 and nothing has been updated or changed on my account. I have not received an email either. I have called 5 times and sat through 4 hour hold times only to be told that it has not been reviewed yet. The company keeps extending how many business days it will take to process. I have been told 15 business days, 29 business days, and 31 business days. It has now been 36 business days. My payment is due on XX/XX/XXXX, and I can not afford the current repayment plan. This does not seem legal or fair to me.
Product: Credit reporting or other personal consumer reports

While recently reviewing my consumer report as i prepare to purchase my first home, I discovered several late payments where i have always maintained to make on time payments. Consumer Reporting Agencies have a crucial role to the consumer by reporting accurate information as it can dictate whether or not someone can get approved for a home such as myself. I have never missed a payment on the following account : XXXXXXXX XXXX. I request an investigation into these discrepancies and urge you to provide, such statements, demonstrating the lateness of these payments. If unable to furnish such evidence, i demand that these payments be promptly update to reflect their true status as on time, as i have consistently upheld my obligation without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$3500.00} Status Open. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$5800.00} Status Open. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$4300.00} Status Open.
Product: Credit reporting, credit repair services, or other personal consumer reports

On numerous occasions I've reached out to XXXX  to correct the credit inquiries which were not authorized by me and they have state we are aware and are taking the necessary actions to correct this and submitted to XXXX and Equifax Unauthorized Inquiries via XXXX XXXX  on The Following Dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have reached out to the credit bureaus and they have stated they have not received the digital request from XXXX to remove these as they are still being reported on my credit. I reached out 3 times now to have XXXX remove these. I spoke with XXXX in the Credit Bureau Specialist Department to which he stated that the responsibility falls on the credit bureau ( s ) not them. I then asked did you get verbal confirmation and authorization that I was the individual who applied to which he said no we don't do that that's against the Fair Lending Act. This is not true as when I personally applied for a XXXX CC in XX/XX/XXXX, XXXX XXXX  Called me personally fist to verify that it was I who submitted the application. Not only has XXXX not corrected this but they have admitted fault and are passing the buck. XXXX Executive Office has been made aware and they too are looking into the matter with this specific employee as this has been most discouraging to them as it's a poor reflection upon XXXX and goes against normal company standards and protocols.
Product: Student loan

My name is XXXX XXXX. I have been fighting with FedLoan services for quite sometime. I have obtained a lawyer ( XXXX XXXX ) to help me fight against them. Long story short, ( XX/XX/2017 & XX/XX/XXXX   ) their website payment and email system had many flaws. Emails would indicate that a payments are over due. I would visit their site to make a payment, but no where on the site would it indicate an amount, nor would it indicate which loan was due. I have many loans with FedLoan from school. So I would make a payment so that I could at least make some payment so I wouldn't impact my credit, I still continued to receive emails saying I owed money. So I called to see if I could get a consolidation so that I could get a single payment with no confusion. The representative said he would pause payments until he could get approvals for me to get a consolidation. And that if I saw credit late notices on my credit to disregard them and that it will eventually get removed. Well, they never got removed, nor did they seem to want to remove them ( " Its a late payment regardless is the response i got '' ). So I decided to get automatically payments setup so that I didn't have to deal with these problems. Now I have all these late payments in my history and it's destroying my life. I can not get a mortgage or any other benefits because of what Fedloan services have done to me. I have contacted the Federal Student Aid office to have this investigated. In addition, I have applied to have a consolidation with a new loan office to aid me going forward and i am hoping to get approval so that i no longer have to deal with the Fed Loan service anymore. I have contacted them numerous of times to resolve our differences and they refuse to come to terms to help me. They have also declined a " payment of deletion '' offer that was suggested by my lawyer.