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

I requested removal and reinvestigation by XXXX of an erroneously reporting bankruptcy record. I sent the request by letter dated XX/XX/2022. XXXX responded through letter dated XX/XX/2022 that they were " unable to verify the accuracy of the bankruptcy case.. '' and " subsequently removed this record from [ my ] XXXX report ''. XXXX removed and is no longer reporting this public record as of XX/XX/2022. 

I requested removal and reinvestigation by Equifax of the erroneously reporting bankruptcy record. I sent the request by letter dated XX/XX/2022 using certified mail - tracking number # XXXX. Equifax responded through letter dated XX/XX/2022 that they contacted " a third party vendor to obtain the most recent status of the public record '' and that they verified " public record items [ they ] obtainedthrough a third party vendor, XXXX ''. How could Equifax verify this bankruptcy record with XXXX? XXXX removed and is no longer reporting the public record as of XX/XX/2022. 

I requested a 2nd reinvestigation by Equifax of the erroneously reporting bankruptcy record. I sent the request by letter dated XX/XX/2022 using certified mail - tracking number # XXXX. Equifax again responded through letter dated XX/XX/2022 that they verified " public record items [ they ] obtainedthrough a third party vendor, XXXX '' and that they " have verified that this public record item is reporting correctly ''. Again, how could Equifax verify this bankruptcy record with XXXX? XXXX removed and is no longer reporting the public record as of XX/XX/2022. 

Equifax has committed multiple violations of the FCRA. Please see attachments. 

Additionally, XXXX and XXXX have committed multiple violations of the FCRA concerning this matter. Both XXXX and XXXX have failed to respond to my request for removal and reinvestigation within the 30 day period required by law. 

I sent the request for removal by letter to XXXX dated XX/XX/2022 using certified mail - tracking number # XXXX. No response. 

I sent a second request for removal by letter to XXXX dated XX/XX/2022 using certified mail - tracking number # XXXX. No response.
Product: Payday loan, title loan, or personal loan

BigPictureLoans set me up with a loan for {$200.00} starting on  XX/XX/XXXX . This loan should have been paid off in a few months but instead it has accrued from  XX/XX/XXXX  payment of {$120.00}, to  XX/XX/XXXX  payment of {$120.00}, to  XX/XX/XXXX , payment of {$120.00}, to  XX/XX/XXXX  payment of {$120.00}, to  XX/XX/XXXX  payment of {$120.00}, to to  XX/XX/XXXX  payment of {$170.00}. This shows that I have already overpaid them an amount of {$800.00} with a balance of {$300.00} to pay this loan off. This will put me at at least {$1100.00} if I pay the full {$300.00} that they show me still owing. I absolutely know that I should not have to pay anywhere near {$1100.00} for a loan of {$200.00}. This is  Extortion, Gouging o r just a plain old Scam. I definitely need help with this scam/matter to get the extra money back that they have overcharged me if I can be helped in this manner. Please give me a call if you would care to do so at  XXXX  /home-line  or  XXXX  /cell-phone..  You can also contact me by e-mail at  XXXX    XXXX   XXXX   XXXX   My name is  XXXX   XXXX   XXXX . my address is  XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX  Ohio,  XXXX . The original name of this company  is Redrock Tribal Lending, LL C d/b/a CastlePayday.com but changed to BigPictureLoans I will send copies of my online checking accout statements from   XXXX . to  the present time
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year>2024 {$4400.00} Sunrise Credit Service Dear [ Collection Agency Name or To Whom It May Concern ], I am writing to dispute the collection account referenced above, which appears on my credit report. I believe this account does not belong to me. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide verification of the debt, including any documentation that shows I am responsible for this account. If you are unable to provide sufficient evidence, I request that you cease collection activities and remove this account from my credit report. 

Please respond to this letter in writing and provide all supporting documentation. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment, my credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.
Product: Credit card

On XX/XX/XXXX - I reported my Citi Double Cash Card lost, and requested a replacement utilizing the Citi Mobile App. My previous credit card number is deactivated at this time. 

On XX/XX/XXXX - I received a text saying my replacement card has shipped, which Citi says will arrive in XXXX business days. 

On XX/XX/XXXX - I notice two fraud charges on my new Citi card that I have not received in the mail and do not have in my possession, at XXXX in Texas on XX/XX/XXXX for {$470.00} and at XXXX again in Texas for the same amount {$470.00} on XX/XX/XXXX. I immediately contact Citi to notify them of fraud and to dispute the charges. I do not live in Texas and have not received my new Citi replacement credit card yet during this time. This new card never arrived in the mail before the fraudulent activity occurred, and the Citi Replacement Card XXXX never updates to show that this card has been delivered to my address in XXXX XXXX, NY. They cancel and shipped me out another card during this time upon reporting the fraud. 

On XX/XX/XXXX - I'm notified by Citi my second replacement card had shipped. 

This card does not arrive in the notified XXXX business day window. 

On XX/XX/XXXX - I contacted and spoke to Citi at XXXX to check on my XXXX Dispute, and they notified me no additional information is needed. During this time I also informed them my card from XX/XX/XXXX never arrived. They canceled the card and again tried to ship another replacement. 

On XX/XX/XXXX - Notified by text my third replacement card attempt has been shipped, which arrived on XX/XX/XXXX. 

On XX/XX/XXXX - I received a mail letter from Citi dated XX/XX/XXXX stating me that I had notified Citi about the unauthorized transactions and that Citi is looking into the dispute and would notify me if they needed any additional information. 

On XX/XX/XXXX - I received a mail letter from Citi dated XX/XX/XXXX notifying me of the conclusion of my Fraud Dispute and that the dispute is closed. The letter states that they were unable to contact me which is the reason the result is not favorable, and I am now responsible for the fraud charges. I immediately contacted Citi at XXXX the same day over this verdict, and the operator is unable to prove with dates or contact methods that Citi contacted me over missing information but tells me that is the reason for the outcome. I assured her that I contacted Citi in the past few weeks and that I was never in possession of this credit card ever as the fraud charges occurred during them shipping me out a replacement card.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus have statements of serious delinquency however there is no evidence on my report that supports this statement. I have no missed payments reported on any account in over two calendar years. 

This statement has lead to multiple denials. Additionally, I have asked for erroneous inquiries to be removed from my credit. I have asked both the credit reporting companies and the companies with who the inquiry was made. My personal information has been compromised through Equifax 's data breach and stolen identity. yet my credit is constantly running without any alert of this or calls
Product: Debt collection

plaza services XXXX did not call me or send a letter stating i owe this debt, also not giving me verification of this debt, or a chance to dispute this debt before reporting it to the credit reporting agencies. now this debt is reporting on my credit report causing my credit score to drop XXXX points, disqualifying me from receiving the home loan i currently applyied for
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 credit inquires that I never authorized or applied for. 1. XXXX. I never applied to this company and never requested a credit from them. ( tried to have XXXX delete it but they refused ) ( I need this entry completely removed because I never made it ) 2. XXXX XXXX XXXX.I authorized only one inquiry from this company, not two.. there is a duplicate entires for the same company. ( tried to have XXXX delete it but they refused ) ( I need this entry completely removed because I never made it ) 3. Nordstrom TD Bank. I never authorized this inquiry.
Product: Debt collection

We continue to receive letters by collection agencies, and phone calls to collect on medical bills for our daughter that was covered by insurance and already paid. We talked with both XXXX XXXX XXXX XXXX as well as XXXX about the bills. Through discussion with both on XX/XX/XXXX after various other discussions stating they were paid, we were provided the following confirmation numbers regarding payment for both bills : {$90.00}, paid XX/XX/XXXX via XXXX check # XXXX ; and {$120.00}, paid via XXXX XXXX. We recently received additional phone calls and a new collection bill threat from State Collection Service , Inc. to collect {$120.00}. We sent XXXX letters afterwards when collection agencies attempted to still collect, but only to continue to receive more notices for items that were already paid.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX Balance : {$4500.00}, XXXXXXXX XXXX XXXX Balance : {$4300.00}.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours, stating the account is accurate without providing any evidence of a thorough investigation. This practice violates The Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedings ( FILE No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. The accounts reporting inaccurately are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 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 are not relating to any transaction by the consumer. 
XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

i am victim of identity theft. the information listed below, which appears on my credit report, does not relate to any transaction that I have mad. it is the result of identity theft. 
please block this information from my credit report, pursuant to section 605B of the fair credit reporting act, and send the required notifications to all furnishers of this inf.
Product: Credit card

I accidentally made two payments to my credit card and over paid by XXXX. I the company the refund me my money back and they said it would take two business days this was on XXXX. Today I called and spoke to a supervisor and they said it is in review and will now take 30 days. I am not disputing a payment but asking for a refund of my money. The law clearly states a company has 7 days to provide my refund https : //www.consumerfinance.gov/rules-policy/regulations/1026/21/
Product: Credit reporting or other personal consumer reports

Good evening, my name is XXXX XXXX and I'm filing this complaint because this the 3rd time that I filed my claim when my identity was stolen and no action has been taken. Credit bureau have not been sending any mail responses to my disputes nor have these companies. At this point I feel like my rights as a consumer is being violated, Im the Victim in this situation and I can't even get the proper help or response from the companies who oversee credit reporting. If no further action will be taken, I will pursue legal action.
Product: Debt collection

I called today XX/XX/19 to ask if they could take off the debt since I paid it and they told me to write a letter or despite it on here and they will review it
Product: Credit card or prepaid card

I am a victim of Identity theft. Please delete or remove this item on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need attention : Experian XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed DEPTEDXXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XX/XX/XXXX
Product: Mortgage

I have a mortgage with fifth third bank. My father passed away and I was secsesor of interest in the property my name is on deed and property bill. I have documentation that the bank would not respond to my emails after I sent them all the in fo they requested I also have the emails. I contacted XXXX XXXX who owns the loan and have a email from them stating that they bank would not even respond to them when they tried to help me get answers and said they had to close my case. I was notified of one court date my son was XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX at the time I told them that the process was stopped never heard anything else by mail notice from sheriff anything and now they have a sheriff sale scheduled on XX/XX/year>. I have a family I am XXXX and I have a son that has health issues that require in home health care every45 days where he receives a XXXX XXXX XXXX  for a health condition that XXXX XXXX XXXX XXXX XXXX from. This was my father 's home he passed away and this is all I have left of him. I can pay the mortgage but I cNt when they will not contact me or work with me. I need help please. I am going to try to file a lawsuit to stop the foreclosure. I have a big settlement coming and plan on paying house of and have paperwork to prove that but it will be a year before I get any money maybe a year and a half. Please help me.
Product: Credit reporting or other personal consumer reports

I do not recognize this credit inquiry and I advised it needs to be removed. Transunion has not removed this inquiry as I have asked. I'm providing an identity theft report below and requesting for this inquiry to be removed, as it is inaccurate and not mine. 

According to Cushman v Transunion 1997, Transunion is supposed to ENSURE MAXIMUM ACCURACY. THIS ACCOUNT VIOLATES THESE LAWS. 15 USC 1681i, 15 USC 1681 s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). INQUIRY NEEDS TO BE REMOVED.
Product: Credit reporting 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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX {$420.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 ( 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.
Product: Debt collection

Instead of removing for inaccuracies they updated and are still reporting to my credit inaccurately..
Product: Credit reporting or other personal consumer reports

Disputes were filed with both Experian and XXXX in XX/XX/2021 to remove a fraudulent XXXX account. Neither have removed the fraudulent account despite being provided with documentation from XXXX that it was fraudulent. XXXX was supposed to assist with this but has done so. 

Dispute was successful with XXXX as it was removed from my credit report 2 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed in letters before XX/XX/2021 asking XXXX, XXXX and Equifax who they validated a bankruptcy that is reporting on my credit file. None of them sent a letter back with the answer, so I called all three and they all said they validated the information from the US bankruptcy court and XXXX. I reached out to XXXX and the US court. The court sent a letter back to me stating they don't validate this information nor do they work with the credit bureaus. XXXX sent me a letter back stating it was removed and its not on their credit file. I sent in dispute letters to XXXX, XXXX and Equifax showing them that they could not have validated this information because its not on XXXX report and the us court does not validate this information so there for it should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

RECURRING INFORMATION, Proof that XXXX XXXX XXXX  violated and reneged on an agreed Payment Plan. Attached you will find a letter sent to XXXX XXXX, CEO, XXXX XXXX XXXX Corporate Office on XX/XX/2017. The letter clearly spells out that the agreed upon Payment Plan is for {$81.00} to be withdrawn from my checking account each month. I now provide proof, back-up and support that {$81.00} was withdrawn from my checking account with XXXXXXXX XXXX on XX/XX/2017, XX/XX/2017, XX/XX/2017 and XX/XX/2017. The bank statements show and explains the withdrawals. Following the last withdrawal of XX/XX/2017 the withdrawals stopped without notice or written confirmation to me. The account was them placed on credit bureaus ( XXXX, Transunion and XXXX ) that I had defaulted and then charged off. Transunion, XXXX and XXXX did not investigate and discarded my complaint to the benefit of XXXX XXXX XXXX becoming co-defendants. I have now received a collection notice from the XXXX XXXX XXXX XXXX XXXX : XXXX. It is my belief that XXXX XXXX will be somewhat displeased that individuals within their organization would purposeless damage and harm the financial well being of an unsuspecting consumer. I believe that my experience with the credit bureaus will get national attention and rightfully so!