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

To whom this may concern : An agreement was entered into court and approved by a judge saying that I XXXX, XXXX XXXX am not responsible and not to be penalized for this account due to responsibility and liability being completely on XXXX XXXXXXXX. This document was signed and agreed and verbiage is stated is in our settlement agreement. XXXX XXXX is refusing to remove this account. XXXX XXXX and I were legally separated and divorced when this late payment took place. This account has been paid off and closed and they are being evil and will not remove this account. Legal proceedings are being filed
Product: Payday loan, title loan, or personal loan

I received a check in the mail for {$2500.00}. The letter attached to it said I qualified for a personal loan, all I had to do was deposit the check. I needed to pay the taxes on my grandmothers land so I decided to accept the loan. I was behind on payments and they threatened me with jail, law suit, and said they would come to my place of employment. They served me with court papers at my home to sue for the entire amount of the loan plus interest and the total amount they sued for was over {$3500.00} after I had already paid off {$1000.00} of the loan. I sent in a lump sum of {$800.00} and they dropped the complaint. 
Then, I was XXXX from work due to my son getting XXXX and I called to talk to them about my payments being placed on hold, they refused to do so but then offered me another loan of {$1500.00}. I declined the offer but after two months of not being able to go back to work because I started showing XXXX XXXX, I called them to accept the loan because I needed to pay my mortgage. They offered me {$6000.00}, I told them I only needed {$1500.00}. I sent them proof of income, insurance, residence, and identification. They asked for 6 references which I gave them and then wrote in at the bottom of the reference page that I needed to write down five items for collateral, naming specific items : TVs cars rings, things like that. I told them no I didnt have to do any of this to get the original loan which is impossible to pay off because of a 35 % interest rate so why do I have to list my property? I declined the loan and told them to stop harassing me because they call me at least 4 times an hour and send mail everyday offering me more money. They continue to harass me everyday, I have proof of their calls, and Im not even behind on my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 Trans Union drastically dropped my credit score by more than 50 points. As I understand decreases in credit scores due to late payments and opening new accounts I feel that a 50+ point drop is unfair. I do not pay my creditors late and I have worked hard to maintain my scores. Please help me. All I did was buy and finance some new flooring
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a building lot in XX/XX/XXXX-XX/XX/XXXXand financed through XXXX XXXX. After XXXX, XXXX XXXX XXXXXXXX took over the loan as they took over XXXX XXXX. In XXXX, XXXX XXXX XXXXXXXX reached out to me and asked if I wanted to change my loan to an adjustable with a cap and a 30 year loan. I said yes as long as it didn't impair my credit. I was up to date on payments, actually made greater than minimum payments and early. XXXX  XXXX XXXXXXXX processed the interest rate modification and everything was fine. In XXXX of XXXX, SPS, an incompetent and horrible group, took over servicing of the account. After trying to charge me homeowners for a vacant building lot and 10 plus phone calls and that being resolved, I got a copy of my credit report and it showed that SPS was now reporting that I had a loan modification, not a loan rate adjustment and which did NOT involve a compromise. I've called SPS 20 plus times. I called XXXX multiple times to correct this. They reached out to SPS who refuses to adjust their reporting even though there has been supporting documents from XXXX stating there wasn't compromise and they are solely reporting this on my credit incorrectly. This is a horrible company, SPS, and shouldn't have a license as incompetent as they are. XXXX  XXXX XXXXXXXX has cost me incredible amounts of aggravation, stress and loss of valuable time by out sourcing my loan and this should be illegal or people like myself should be compensated for this type of issue. I am a financial advisor and protection of my license is foremost, something like this endangers my livelihood.
Product: Debt collection

REPEATEDLY contacted them about verifying debt and they will not verify the debt ... they will only keep asking me for more information.
Product: Vehicle loan or lease

Ford motor credit repo my car in XXXX. 
In XXXX when I filled bankruptcy they weren't on the bankruptcy They haven't contacted me. 
Now all of a sudden I have a garnishment. No notice and my employer let me know who was garnishing me when I got the surprise. They have my old last name that I changed from 10 years ago
Product: Credit reporting, credit repair services, or other personal consumer reports

Plsea CFPB forward the following documents to Chase bank. Thanks!
Product: Credit card or prepaid card

I am completely disappointed with the Goldman Sachs AppleCard. I will not be using this card anymore because communication has been difficult, customer service skills are lacking, and it is taking too long to get to the bottom of an issue that should have been resolved two months ago. I purchased two XXXX via phone with the XXXX on XX/XX/2022. The phones were suppose to arrive to me on XX/XX/XXXX but I never received them. I contacted the XXXX via phone on XX/XX/XXXX and they cancelled both phones. I thought my card would be credited after they cancelled my order but it wasn't. I called the AppleCard on XX/XX/XXXX to dispute the two charges that was still on my card. One charge was successfully disputed but the other charge is still unresolved. I have made three calls the XXXX & Applecard and I haven't had any success resolving anything and i have been told a bunch of different things which do not all add up. Things came to a head when I spent over two hours on the phone on XX/XX/XXXX to try to figure out what I owed because my bill was incorrect. I ultimately tried requesting a Supervisor but I had to deal with at least three over reaching representatives who even made requesting Supervisor difficult. One of them named XXXX demonstrated how she lacked customer service and listening skills when she decided to hold me hostage on the phone listening to dead air and I eventually had to hang up on her and get someone professional to help me get to a Supervisor. I still don't have anything resolved. The Supervisors I spoke to was not even sure how to assist me with the issue leaving me disappointed and frustrated with the AppleCard. I do not know why one dispute was resolved and why the other one is still ongoing and why I can not get any answers more than thirty days after disputing the items. Why did I have to dispute them when the transactions were cancelled. Anyway this has been XXXX dealing with XXXX and I need a leader at Goldman Sachs to step up and resolve this because this should have been a simple matter to resolve.
Product: Credit card

I was robbed of my phone while walking down the streets in XXXX. The thieves exploited every single mobile application and credit cards affiliated with XXXX XXXX on my phone. Upon learning of the exploitation, I immediately notified all of my banks and asked to cancel the credit cards- Citi bank among one of them. 

After the initial report, the pending transactions were never removed from the account. When I called the bank to check in a week later, I learned that the fraud report was never filed. Despite the frustration, I answered the same questions and filed the report. 

Nearly after 30 days, I received a report that my credit score dropped XXXX points because of these fraudulent activities. When I called the bank again to check in, to my surprise, the fraud report was never filed and the investigation had never been started. 

This is a clear violation and negligence of Fair Credit Billing Act and Truth in Lending Act. I asked the bank to remove the disputed charges while the investigation is in progress, the bank rejected my ask. I wish this issue can be rectified as soon as possible and the bank fulfills its duty and obligation to fix my credit score, which suffered a damage that it never deserved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Southern Oregon Credit Service is still reporting this faulty and horrendous item on my XXXX credit report. Previously, I sent a written document on XX/XX/2019 and XX/XX/2019 requesting proper validation of this debt from Southern Oregon Credit Service with no response. I then followed up again on XX/XX/2019 with another letter letting Southern Oregon Credit Service know that they are in violation of the FDCPA due to not responding within 30 days, and then I received a response with a random explanation of charges Southern Oregon Credit Service claims that I owe, as well as an address that is not mine. I do not see how this is possible, because XXXX was unable to properly validate this debt, which resulted in TransUnion deleting the erroneous item on XX/XX/2019. I have sent each document via USPS Certified Mail and I have maintained accurate records without error.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$24000.00}
Product: Checking or savings account

Consumer ID 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 Chex Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to request an investigation of the following information that appears on my Chex System consumer report which is fraudulent. 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. Items listed above, have violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( AN ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
I have NEVER opened or used the following account numbers, please remove all information below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Charge Off Amount : {$120.00} Closure Status : UNPAID I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Chex Systems report immediately! Ive attached a copy of the report to this request. Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED.

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit card or prepaid card

Citi bank is charging me for a Credit Protector fee, without my consent. I did not want or authorize this optional debt protection program. I wil l like it to be removed and a credit applied to m y Citi Cred it Card. The reference number is  XXXX .     Thanks in advance.      XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple requests to Experian to fix an error with an account status and payment history on the account. Despite the fact that I have provided them with dates the account was paid off along with names of the customer service rep that emailed me confirmation that the debt was paid, Experian still has NOT updated my report. Experian is NOT following FCRA guidelines nor did they properly contact XXXX as they are REQUIRED TO DO to verify the debt.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX  XXXX XX/XX/XXXX 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 XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the 3 credit bureaus are not updating inqyueries that are posted on their credit reports.my fico has the latest updates and is reporting currently.
Product: Mortgage

I just wont to fallow up on my complaint 's I no that it wont go any where we just do n't have any Justus for the people in the USA it is funny I worked since I was XXXX and I do main work and when I was ask to serve my country I went I did not burn my card I did not run to XXXX and after it was all over com back and be treated like a hero you tell me way do n't or country help when we need it I do n't care what chase sais the lied when they said no one would tell some one to stop paying them well I got news for them they did the women that I talked with did and it was recorded all they have to do is get the tape I no that they do n't destroy them unless the do n't wont to get cot with it but it was recorded for training purposes when we ask for a mod that is when chase would not work with us after that they sold us to XXXX XXXX XXXX bank but that was after they cheated us and a hol lot moor the same way XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiry was NOT authorized. 

EXPERIAN XXXX XXXX Date of Inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Results from a previous investigation was received on XX/XX/2020 from Experian stating that the account from the NC XXXX XXXX XXXX XXXX was accurate. I sent in another affidavit requesting on XX/XX/2020 for the proof of verification which resulted in another investigation where the results were the account was again reported accurate. I sent an letter to the NC XXXX XXXX XXXX to the address provided on my reports and that letter was returned, stating that the address was a " unknown '' and " undeliverable '' Address. I again sent that newly found evidence on XX/XX/2020, to the Experian demanding for the account to be removed from my credit report ; where it started another investigation. After the investigation was completed, on XXXX XX/XX/2020 Experian stated again the account was accurate. It is my understanding according to the FCRA, information provided on my credit report must be 100 percent accurate. I provided proof that the address on the report is inaccurate, yet the credit reporting agency reported the account as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Letter to Remove Fraudulent/Inaccurate Credit Information I received a copy of my credit report and found the following item to be FRAUDULENT/INACCURATE 1. INACCURATELY REPORTING XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX By the provisions for the Fair Credit Reporting Act ( FCRA ), I demand that these items be removed from my report. 
On XX/XX/2023, it was ruled by a Judge and Jury that this loan had been rescinded, which solidified the cancellation and invalidation of its existence. As of XX/XX/2023, XXXX XXXX XXXX is fraudulently and inaccurately reporting this loan as pays as agreed which is in direct violation of the ruling of the Judge and Jury. 
Attachments regarding this item include : A copy of the legal response to XXXX XXXX XXXX Motion for Summary Judgement ( pgs. XXXX XXXX ) A copy of XXXX XXXX XXXX  denied Motion for Summary Judgement signed by Judge XXXX XXXX ( pg. XXXX ) A copy of the Judge and XXXX verdict sheet showing the judgement and its favor ( pgs. XXXX XXXX ) A copy of the comments from XXXX XXXXXXXX XXXX XXXX showing the judgment as contract rescinded ( pg. XXXX, verification can be obtained through XXXX XXXX XXXX Case No : XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

***I have a open credit card account with Target and late fees from XXXX XX/XX/XXXX are being reported to all 3 bureaus and it is very inaccurate..also hurting my credit. 

****Target also reporting my balance incorrectly to all 3 bureaus as of XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reviewing my credit report after my complaint last XX/XX/XXXX, and it seems like the items I disputed were still in my file, I need these items removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX The name and addresses above are inaccurate, The status is incorrect for the following accounts Please remove them from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

- The FTC site says that I can go to XXXX to download my credit reports from Equifax, XXXX, and XXXX. I did that for all 3 agencies.

- There was incorrect information on all 3 reports. I called up each agency and they told me that they have different information and that XXXX does not have the latest credit reports. The wrong information on the reports from XXXX has been on those reports for years. 
- I do not want to have to create an account with these 3 agencies just to download my credit reports, but all 3 told me that I have to do that to get the reports with the real and accurate information. I understood that by law I should be able to download my credit reports.

- I also don't want to spend hours calling the 3 agencies to get my credit report.

- In addition, I don't know which version of my credit reports are being communicated to those that are checking my credit. There should only be one official version of my credit report not multiple versions. How do I know that companies are getting the right version of my credit report if there are multiple versions on the agency 's sites vs. XXXX
Product: Credit reporting or other personal consumer reports

Hi! How are you? I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I am writing to dispute the alleged debt mentioned reported by your company. This account is fraudulent, and I have never had any prior relationship or entered into any contract with either of these companies.

The reporting of this account violates both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To resolve this, I am requesting the following documentation : 1. Proof of your authorization under 15 USC 1692 ( e ) and ( f ) to collect this debt.

2. The legal basis for collecting this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. A full account history, including all related charges.
Product: Credit reporting or other personal consumer reports

Unfortunately, my information was exposed via Experian due to a data breach. I would like to have the information listed on my credit report removed within 30 days.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and found that I have fraudulent activity on this account on my report. Please remove this account immediately, and send me an updated report. 
Thank you for your prompt assistance in this matter.