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

Experian has illegal reinserted debt that was disputed as fraudulent not belonging to the consumer. XXXX violated the FCRA by refusing to notify the consumer prior to reinserting disputed debt. I disputed an XXXX account as fraudulent not belonging to the consumer several complaints were filed with CFPB in regards to this XXXX account is was removed from the credit report. XXXX apparently sold the disputed debt to XXXX XXXX  with full knowledge this debt was disputed as fraudulent not belonging to consumer then Experian reinserted the dispute debt on the consumers credit report. I contacted XXXX bank on numerous occasions and asked for verification of said debt and request line item account of how this debt was calculated and proof goods or service were obtained by consumer. XXXX Bank has refused to provide receipts and proof of purchase showing consumer obtained said goods and services and refused to verify how this debt was accumulated in direct violation of the FCRA. I want CFPB to investigate this practice of selling fraudulent debt after the consumer disputed and it was remove from said report and Experian illegal practice of reinserting disputed debt in direct volition of the FCRA. I also want XXXX Bank investigated for refusing to provide the consumer with proof said debt belongs to consumer and a line item calculation showing how this amount was calculated. I want the CFPB to enact or enforce laws that prevent creditor and credit bureaus from this abusive practice of refusing to show consumer receipts and proof of purchases and re-selling of fraudulent debt that was disputed and removed from the consumer credit reports.
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. 
XXXX XXXXXXXX XXXX
Product: Mortgage

Our mortgage was transferred from one company to another, both belong to the same parent company. We received notice from Stearns ( our original servicer ) that it would be transferring to Loancare ( the new one ) on XXXX XXXX. I never received anything from Loancare, even though subsequent research has told me it 's mandatory. We paid our final payment with Stearns via autodraft on XXXX XXXX, the mortgage due date. On XXXX XXXX we saw a second withdrawal from Loancare in the FULL amount of our mortgage. When we called Loancare they said they did n't see that taking place on their end but had heard similar complaints by other customers. When we called back hours later, they assured us they 'd be wiring the funds back to our bank and they 'd be there by XXXX. They still are n't showing up, leaving us basically in financial ruin for the weekend with a small child at home. I do n't know ANYONE that can afford to pay their mortgage twice in a week. This is completely unacceptable and given my findings into this company today, I am not alone in my treatment from them. They need to be seriously investigated and shut down. They had no authorization to access my bank account in the first place and lied when they told us they 'd be taking corrective measures. XXXX
Product: Prepaid card

I received XXXX {$100.00} Amex XXXX XXXX in the mail for a total of {$600.00}. Attached is a copy of the email confirmation and shipping information, and a photo of the card numbers. They arrived in the mail XX/XX/2024. I attempted to use these cards at multiple online and in person retailers including XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX always for less than {$100.00} in purchases but the transaction has been declined every single time for every single card. I have checked the balance on each card via the website ( AmexXXXX ) and each balance is still {$100.00}. I can not find a way to spend my money on these cards. Upon looking online for advice, many people have reported having this problem in the last year. 

I submitted a CFPB complaint a couple weeks ago. The company reached out and left me a voicemail with a number to call back to resolve the complaint if I can provide further info ( the numbers to the AMEX XXXX XXXX ). I've called and left voicemails 3 times and have had no response. The issue has been marked " Resolved '' in the CFPB portal but nothing has been resolved so I'm submitting another complaint and including a picture of the actual cards this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I have informed you that following are inaccurate accounts, Please do your reinvestigation correct, update or remove accounts that I said incorrect and forward me an updated credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, balance XXXX XXXX balance should be XXXX paid this account off, XXXX XXXX XXXX XXXX balance XXXX this  balance was charged off in 2014, XXXX XXXX  XXXX should be a XXXX   balance paid off
Product: Credit card or prepaid card

The Home Depot credit card through Citi bank offers a {$25.00} discount on your first purchase. I purchased an item on XX/XX/XXXX for {$37.00}. I now have my XX/XX/XXXX statement with a balance of {$37.00} and minimum due of {$28.00} on XX/XX/XXXX. I should only owe {$12.00}, but they want me to pay {$28.00} and wait for them to process that, then ask for the money back they owe me - or, I can pay what I actually owe and have a derogatory mark on my credit report. 

I spoke with them last week ( Saturday XX/XX/28 ), the person I spoke with said he was processing my credit and that, while it wouldn't show up in my statement for a long time ( one to two credit cycles ), it would be reflected in my online balance in a matter of days. today is XXXX and it hadn't shown up so I called again. I spoke to a clerk, then a manager. both saying the credit would not show up for a cycle or two, and that I need to pay them money I don't owe. 

I told the manager that every other credit card company I have ever dealt with, which are many, can apply changes to an account and they show up within days - if not instantly. if they have put my credit in, why are they unable to reflect it on my account?! 

I should not have to send them money that is not owed to them and wait the same amount of cycles for them to send it back to me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX 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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I prepaid a lease over seven years ago but the company is still reporting the prepaid information. 
A company is only supposed to report information for 7 years. This company is still reporting this information after 7 years which is a crime according to the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit card or prepaid card

By email dated XX/XX/2018, American Express offered my wife a Business Platinum Credit Card to upgrade from our existing account. The terms of the offer included XXXX membership reward points if we spend {$5000.00} in the first three months and an additional XXXX points if we spend an extra {$5000.00} in the same period. The annual fee was advertised at {$450.00} and the email specified " Your application must be received by XX/XX/2018 to be eligible for this offer. '' On XX/XX/2018, just 10 days after the email and over a month prior to the XX/XX/XXXX deadline, I went on line to complete the application. When I clicked on the link to apply for the upgraded card the American Express web site that opened stated : " This offer is no longer available. If you'd still like to apply for a Business Card from American Express OPEN click here. '' I tried calling American Express that evening but it was after hours for the business card department, so I asked my wife to call the next morning. 

On XX/XX/2018, my wife, XXXX, called American Express to apply since we were unable to complete the application process on-line. She was not told the offer had expired. Instead, she was told that she was ineligible for that program because the email sent to her did not include " a code. '' Instead, she was offered a less desirable upgraded credit card providing only XXXX points for an annual fee of {$650.00} ( and other less desirable terms ). 

The email sent to my wife clearly came from American Express. It is disingenuous for American Express to deny access to the program for the failure to give us a code when they initiated the process by sending her the email. Thus, this was a classic " bait-and-switch '' effort to entice us to upgrade our existing American Express Card but then switch us to a less desirable product than the one offered.
Product: Credit reporting or other personal consumer reports

I asked each company to display my correct name and address my name is XXXX XXXX XXXX XXXX my Address is XXXX XXXX XXXX XXXX  texas XXXX that is the only name and only address that should be on my report me and my father have the exact same name even middle name so there is alot of confusion especially on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint regarding the actions of XXXX XXXX, which I believe constitute violations of the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. 
1. Breach of Peace and Harassment : The debt collector has repeatedly made aggressive attempts to contact me at unreasonable hours, including early mornings and late evenings. They have also made repeated calls to my workplace, despite being told not to. Their behavior is harassing, causing me distress and interference with my daily life. 
2. Inaccurate Information : The debt collector has provided inaccurate information regarding the debt they are attempting to collect. Specifically, they have stated amounts owed that do not match the records I have, and I have reason to believe they are misrepresenting the total balance. I have requested clarification and documentation for the debt but have received no satisfactory response.

3. Failure to Validate Debt : Despite my request for verification of the debt, including the date the debt was incurred, XXXX XXXX XXXX has failed to provide appropriate documentation. They have not validated the debt or provided evidence that it is indeed owed by me, nor have they clarified the exact date the debt was created. 
XXXX XXXX XXXX XXXX XXXX I am requesting that the CFPB trans union and equifax investigate this matter to ensure that XXXX XXXX XXXX Is held accountable for their actions. I also request that they provide proper validation of the debt, including accurate and complete information, in accordance with the FDCPA. Furthermore, I request that any incorrect information regarding this debt be removed from my credit report if it is determined to be inaccurate. 
Thank you for your attention to this matter. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX XXXX Account number XXXX XXXX 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. 
15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( a ) ( 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I visited XXXX XXXX XXXX XXXX XXXX, MD on XX/XX/XXXX and I purchased a XXXX XXXX XXXX XXXX I only gave permission for my credit to be ran by one ( 1 ) creditor. I did not authorize XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX GM Financial, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XX/XX/XXXX. 

I have requested these inquiries to be deleted from my credit report. I was advised to file a complaint with your agency. 

XXXX XXXX
Product: Debt collection

This letter is regarding account # XXXX which you claim my account was charged off/collections. Please REMOVE this account to on all 3 Credit Bureaus ( XXXX, XXXX and XXXX ). This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was current. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. -- Very Respectfully, XXXX XXXX
Product: Student loan

I was misled about what my minimum payment would be. I met with a XXXX XXXX before starting college in XXXX, so it was not my own mistake. Discover was found guilty in a lawsuit for misleading borrowers about their minimum payments, but I never recieved any sort of compensation. Now they offer no options to adjust based on income or other flexible options. Other companies even offer the ability to remove a cosigner, but they have no release. I'm making $ XXXX per year and my student loans are crippling. I pay nearly {$1000.00} to discover every month, and have been doing so for 5 years, and yet my total balance due has only changed by about {$3000.00}. My rates have increased drastically with no payment options. Because they offer so little options, they've destroyed my credit, leaving me with no alternative options other than to continue with their horrible plan. If not for this, I could have refinanced to an institution with better options. I've looked into assistance programs and all of them state that because Discover is over 70 % of my debt, since I don't really have other debt, there's nothing they can do for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request an investigation and removal of certain information from my credit report based on the following provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant federal regulations : 15 USC 1681A ( d ) ( 2 ) ( A ) ( i ) : This provision excludes from credit reports any information solely related to transactions or experiences between ( I ) the consumer and the person making the report. 

15 USC 1801 : This provision establishes the policy of Congress that financial institutions ( person making the report ) have an affirmative and continuing obligation to respect the privacy of their customers and to protect the security and confidentiality of their nonpublic personal information.

15 USC 6801 : This provision reiterates the policy of Congress that financial institutions have an affirmative and continuing obligation to respect the privacy of their customers and to protect the security and confidentiality of their nonpublic personal information. 

15 USC 6802 : This provision prohibits financial institutions from disclosing nonpublic personal information to nonaffiliated third parties unless they provide or have provided a notice that complies with section 6803 of this title.

Based on these provisions, I believe that the following items on my credit report are in violation of the FCRA and should be removed : XXXX XXXX : All information including and/or related to late payments XXXX XXXX  : All information including and/or related to late payments XXXX  XXXX : All information including and/or related to late payments XXXX XXXX : All information including and/or related to late payments Inquiries : All I kindly request that you conduct a thorough investigation into these items and, if found to be in violation of the FCRA or other applicable regulations, remove them from my credit report. Please provide me with written confirmation of your investigation and any necessary updates or removals to my credit report. 

Thank you for your prompt attention to this matter. I understand that under the FCRA, credit reporting agencies must complete investigations within 30 days of receiving a dispute. I look forward to your timely response. 

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

There are several hard inquiries on my report with the incorrect employer due to an improperly transcribed intake form at a car dealership. I never in my life worked for XXXXXXXX XXXX. I did however work for XXXXXXXX XXXX  which if checked operates at the very same address. This incorrect information is tarnishing my good name and is against the law. I would like all inquiries with this incorrect employer removed as the information is inaccurate.
Product: Debt collection

On XX/XX/XXXX after XXXX we were called by XXXX XXXX requesting for us to make a payment of an alleged damaged that they claim we did. We made clear to them that those damages ( picture of damages attached ) were not made by us and that we were not intended of making any sort of payment. They said that if a payment was not made that they were going to report us to collection. That was the end of that phone call. Days after the call with XXXX  XXXX in which we made clear that those damages were not made by us and that we weren't planning on paying, they decided to call not only me, but my husband and my daughters requesting for us to make a payment. One that was never made and led this to reach collection. 
The first letter received by I.Q Data International Inc. was on XX/XX/XXXX ( letter attached ). On that letter they included the amount that was being reported, one of {$1200.00} with a {$31.00} of interest with a total of {$1200.00}. Same letter provided a section ( no longer on the attachment ) to cut and send back. On that part we selected that we were disputing the charges and requesting more information. ( Attached letter send to them disputing the charges ) The letter was send on XX/XX/XXXX at XXXX and according to the tracking number the letter arrived to the destination on XX/XX/XXXX at XXXX. Almost a month later we receive a second letter from them ( letter attached ) on XX/XX/XXXX in which they are requesting a payment. Ignoring and disregarding completely the letter that we sent that we were disputing the charge. They did not only ignored our petition but failed to respond on a timely manner and did not provide any proof and verification of the debt. Not only that but I.Q International Inc charged us more interest, than the first letter, with a total now of {$1200.00}. At this point it seems that they are not willing to take us serious and that they won't provide the minimum to confirm such debt that they claim were made by us.
Product: Debt collection

On XXXX XXXX, 2021, I received a letter from XXXX XXXX XXXX XXXX XXXX stating I allegedly owed a debt to them. On XXXX XXXX, 2021, I sent a letter to XXXX XXXX XXXX asking them to verify the debt. Almost a year later, I receive an email from a total different company attempting to validate the debt. During that almost year, I did not receive any correspondence pertaining to my original request dated XXXX XXXX, 2021. Upon receipt of the new letter from the different company attempting to collect, they immediately reported to the credit bureaus without answering my original request.