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

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX 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 XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Debt collection

I contacted XXXX the original debtor. There was a error in there system I paid but they sent my account to collections by mistake. XXXX provided me with a audit form to send to the collection agency to prove I paid this account. They still haven't removed this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've called and wrote to XXXX about the negative reporting on my Credit report. My student loan were never late but it's reporting 90 days late and my loans have been approved for the XXXX discharge for Veterans.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

Please help me ... i am a   XXXX  year old   XXXX  man from   XXXX   XXXX   of 25 years. I really want to keep my home ... I submitted my loan modification paperwork with all docs and today they advised me that i waited to late to send in my paperwork. I talked with an attorney and he advised me to file a complaint with you guys and to file a debt validation because i was within my 30 day time period. Please help me to keep my house. I do n't know what i am going to do
Product: Credit reporting, credit repair services, or other personal consumer reports

The original debt is to XXXX XXXX for the total of {$840.00}. This has been turned over to the collection agency XXXX XXXX XXXX. The collection agency on my equifax credit report does not show that this account has been disputed. This violates the law because 15 USC 1692e8. They have not reported that this has been disputed. This account should there for be deleted from report. Also they have had more than 30 days to report this dispute. Item should be removed from credit report immediately.
Product: Money transfer, virtual currency, or money service

I have transferred {$6000.00} from my XXXX account to my Chime account. Once the transfer was completed Chime sent an email stating that my account has been locked and they needed information submitted to unlock my account. Already knowing due to the amount they would need this information I was already prepared to send over appropriate documents. I got no response and reached out after the first few hours. Member service states they dont have access to view the issue at hand and that all correspondences for my issue needed to be done via email. This has been ongoing since XX/XX/XXXX in which Chime continued to send the SAME emails over requesting for a valid ID, some type of POR, and my bank statements from XXXX for the last 3 months and include to the statement showing the transfer of {$6000.00}. I complied with all request for these said documents, and still have no success in getting assistance with access to my account. The only other email I received was stating that my documents were not valid with no additional information as to why, and to contact member service over the phone. I went ahead and contacted member service again over the phone and they said once again that they do not have access and that I would need to continue corresponding with their back office team via email. I advised the agent then that I have been working on this since XX/XX/XXXX with no success corresponding with her back office team as they keep sending the same email over and over again. I went ahead and also advised the agent that they are requesting a statement for account ending in XXXX and MY account with XXXX ends with XXXX in which they can see on the documents I uploaded if they were reviewing properly. I had another agent that stated because I was sending a PDF form of my ID this was invalid and that I needed to send a picture of my ID. I advised that the email specifically states that all forms need to be in a certain form which PDF was included. All in all Ive been given the runaround with no resolution XXXX has also attempted to pull the transfer with no success. Ive also reached out to their fraud team and advised what was going on with Chime, and was pretty much advised to reach out to the FDIC in regards to this since no success on their end pulling back the transfer. Chime said they do not have any supervisors that they report to so they are unable to escalate my calls. When I do reach out Ive reached out on all social media platforms as well!!! Chimes XXXX team has been the only time Ive received an immediate response via email, but then they turn around and start sending the same email requesting for the same documents that I sent over and over again since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The following are UNATHORIZED inquiries in my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I mailed a letter disputing inaccurate or incomplete information contained in consumer reports compiled, maintained, and published by you allegedly concerning regarding the following 1. XXXX XXXX  XXXX XXXX 2. XXXX XXXX  XXXX 3. XXXX XXXX XXXX. 

I am in receipt of the response XX/XX/2021 The issues don't seem to be resolved. 
1. XXXX XXXX Account # XXXX Date of first delinquency is still not provided, missing actual payment amount and scheduled payment amount. 
2. XXXX XXXX  XXXX The Status of the account is still wrong even after you claim to have verified it. It can not be over 120 days past due. It is closed XXXX  account 3. XXXX XXXX  XXXX The Status of the account is still wrong even after you claim to have verified it. It can not be over 120 days past due. It is closed XXXX account I attached my previous letter along with the response showing the errors still reporting.
Product: Credit reporting

I have worked with the company and have paid this account in full. This must be removed from my credit report. I have called equifax multiple times to have this removed.
Product: Mortgage

I have attempted to receive the payoff of the loan XXXX XXXXXXXX multiple times. The last one I received was past the time frame I needed. It is stated that its a 3-5 business day turn around and that has never been the case. 
I have XX/XX/XXXX and XX/XX/XXXX requested for the payoff of the loan XXXX XXXXXXXX total and the payoff for each individual properties : 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 Currently the property at XXXX XXXX is in escrow to sale and the payoff is needed as soon as possible to meet the close date of the sale. 
I would need these payoff through XX/XX/XXXX.
Product: Debt collection

I have repeatedly asked Midland funding LLC to provide me a validation letter proving that I owe them any amount of money they have not sent me a sign contract showing I agreed to pay them remove this from my credit report immediately
Product: Vehicle loan or lease

Global Lending Services responded to my complaint today XX/XX/2023. Global Lending Services still have yet to respind to my CFPB complaint. GLS violated me by continuing to send me letters and phone calls about making a payment after they repod the vehicle and sold it to another individual. They keep updating all three credit bureaus every month or XXXX in regards to this loan. They uploaded a copy of a payment history and a copy of the contract without both parties XXXX XXXX, so that contact is null and void. They haven't responded to any of my letters I have sent in. Please remove this account because it is fraudulent.
Product: Credit reporting or other personal consumer reports

Bank Name XXXX XXXXXXXX XXXX XXXX XXXX. XXXX and XXXX Both accounts never belong to me in any way but are shown in my credit report by XXXX, against which I raised a dispute, which was not solved. 

Further, I got XXXX from the Bank in which they certified that accounts do not belong to me and also closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 I submitted a letter to receive validation of a debt for Equifax for an account on my report under XXXX XXXX XXXX. Not only have I not received a response back from them, they also never updated the account to " In Dispute ''.
Product: Credit reporting or other personal consumer reports

In according with fair credit reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm unimaginably disturbed! My hidden response to the mistaken thing on my recognize report sent as communicated in a past message on XXXX. Today is XXXX. Regularly by law, you ought to respond inside 30 days. During these irksome events, every one of you have been given an extension which I grasp. Regardless, it has been far in excess of the expansion time span given. I have urged you on numerous different occasions. I'm starting to acknowledge this is a lull technique on all of you 's end. I demand your association kill this XXXX up from my credit report or face case. In case you don't kill this off-base information speedily I will record a formal complete with the FEDERAL TRADE COMMISSION! I'm remaining mindful of my records overall and kinds of correspondence with you on this matter just in case of archiving a protesting with the FTC in the event that you continue to decide not to arrange. In XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( C.D.Cal.XX/XX/XXXX ), you will be considered responsible for your decision not to not assent. My family and I are being constrained to pay higher credit charges and denied by numerous associations when endeavoring to purchase significant necessities to get by during this problematic money related period. In the event that your next response to me is everything except an extraordinary application with my imprint on it or a letter communicating that the tricky information that is ignoring the Fair Credit Reporting Act isn't deleted I will continue with my FTC complaint. As exhibited by the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are needed by government law to certify, through the genuine check of the chief stepped buyer contract, all records that you post on a credit report. Else anybody paying for your identifying associations could fax, mail, or email in a fake record. I interest to see obvious evidence ( i.e. : a unique purchaser contract with my engraving on it ) that you have on the file for the record recorded under. 

Your frailty to distinctly check these records has harmed my capacity to secure credit. Under the FCRA, mistaken and unusual information ought to be deleted from a client 's credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit card

Kindly refer to the attached documents. I request the bureau to initiate an investigation into these accounts, as they incorrectly report me as late when I have always been on time.
Product: Prepaid card

I have an American Express Bluebird Account which is solely used as a direct deposit account for my monthly XXXX XXXX benefits. On XX/XX/XXXX, I received XXXX emails from American Express, the first XXXX stating that my account was temporarily locked, and immediately after that, another email stating that was account was suspended supposedly because of a violation of the Bluebird Member Agreement Section 22D. I immediately called Customer Service at the number listed on the back of the card, and was told that there was some type of attempted deposit of {$80.00} ( approximate amount as I can not remember the actual amount ), which was in violation of their policies. However, I have had this card for over 5 years now, and there has never been a deposit into that account except by XXXX XXXX. I have never authorized any other type of deposit, and I don't even know how to do that even if I wanted to. I informed the Customer Service rep of this, and she stated that she would " escalate the issue with Account Protection Services. '' Since that phone call, I have not had any response from anyone at American Express. No phone call, no letter, no email. I still receive weekly balance notices, and the current balance as of XX/XX/XXXX is {$180.00}, which is exactly what it should be with my monthly XXXX XXXX deposit for XXXX, and the cash withdrawals and authorized bill payments. There is no evidence of any type of additonal deposits on that account, which was also verified by the customer service rep. As this represents my only income, I was unable to purchase groceries these past XXXX weeks. At this point, all I want is for them to contact me and issue me a check in the amount of {$180.00} which is my current balance. I have made arrangements with XXXX XXXX to direct deposit the XX/XX/2024 payment into a newly opened checking account here at a local bank, so I will end my relationship with American Express. However, I am in dire need of my money, and I don't quite understand how a bank can just unilaterally close a person 's account, restricting them from their own money, especially without a phone call with an explanation as to why, and when I can expect my remaining balance to be sent to me. Anything you can do to help me would be greatly appreciated. Thank you!
Product: Debt collection

I sent Capital One a validation notice on XX/XX/2022 requesting validation of accounts that I noticed is fraudulently reporting on my consumer report. In that validation letter I also demanded a cease and desist of all communications via text, call and email. I requested to ONLY be contacted by United States Postal Service. Capital One has ignored my cease and desist and has emailed me XXXX times between XX/XX/2022 and XX/XX/2022 still trying to collect on " debts '' that have yet to validate per FDPCA AND FCRA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been corresponding back and forth with XXXX and now XXXX for the past year regarding the late payments they are reporting on my account with the credit reporting agencies ( Equifax, XXXX and XXXX XXXX ).

XXXX is reporting two 60 day late payments on two separate accounts! Not 30 days, but 60! I  have asked for explanation and proof that these payments were billed as payments due and not received. I am not accustomed to NOT payment my bills. They responded by providing the attached statements for both accounts. Neither of the statements show when a payment was actually due or the amount that is due. They do show when I made payments and how much was accepted and posted to interest. It also has a column for Late Charge paid, but no amount is ever listed in that column, even when payments were made. 

My argument is that the accounts have been in forbearance for pretty much the life of the loans, so any payments that I have made has been only when interest payments are arranged, which I get emails when payments are due and I pay them, as you will also see on the statements. There is no indication on the statements that payments were due in XX/XX/XXXX or XX/XX/XXXX. You will also see attached, a statement from XXXX notifying me that both loans was back in forbearance beginning on XX/XX/XXXX. When I submitted this to XXXX, they said that the payments were already scheduled for XX/XX/XXXX ( ahead? ), but I never received any notification of payment due in XX/XX/XXXX.

There are also other dates listed on the statements where there was no payments received that they have NOT reported late. Therefore, how does this prove that the late payments they are reporting are accurate? 

I am asking that the CFPB review the attached documents provided by XXXX and myself and help me to determine whether they have legitimate reason to report the late payments at all. Let alone 60 DAYS late! Come on!
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously had a mortgage with this company that was paid in full and closed in XX/XX/XXXX. They are reporting that the loan is late in at least 8 months in XXXX. 8 months is as much as I can see on the report provided by XXXX ( attached ). I disputed this with the credit bureaus and this company has reported validated these marks as being accurate. This has significantly affected my credit score. Id like this corrected or the account removed from my credit reports completely.
Product: Debt collection

My mother got a call twice on XX/XX/XXXX and then today on XXXX XXXX from a XXXX XXXX at XXXX about a debt that I owe to a online payday loan that was generated back in XX/XX/XXXX and again in XX/XX/XXXX my mother called me about such call and stated that this man keeps calling her house about a debt I owe and he is threating to take court papers out on me if I do not contact him. I called him from my home phone and his number did not allow blocked callers so I called him from my cell number. he indicated that I owe a debt to a online payday loan that I took out in XX/XX/XXXX and XX/XX/XXXX that came to my XXXX account and I requested the true and accurate documents and he stated that I need to go online and research the work " false instrument '' and then for me to go to XXXX and then when I define the word and for me to call him Monday because he is not going to sit on the phone and argue with me about the debt and he hung up the phone.
Product: Credit reporting or other personal consumer reports

I unthawed my credit with Experian on the website and despite the confirmation email that the credit was unthawed, My score remained in accessible over the course of the two day thaw. I was unable to set up the cell phone line I had tried twice to do. I was unable to get any help as the customer support line does not connect to useful resources. I tried again to unthaw my credit to apply for the same phone line application but this time, not only did the score not become accessible, but I never got a confirmation email either. I am not comfortable unthawing my credit and waiting till whatever arbitrary timeframe it actually becomes available. since I was a victim in the XXXX data breach. Customer service is non-existent and there is no help to resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never applied for any student loans. I deny all financial responsibility under penalty of perjury for any student loans including XXXX. The student loan accounts on my credit Profile are a result of fraud. Ive requested that a fraud packet be sent to me and have never received one.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items 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 any accounts or information which is 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. I found that under section 605b ( a ) XXXX and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$3000.00} and XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 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.