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

I sent a letter previously regarding inaccurate and unknown things on my credit report. To this day, over 60 days later, I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 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 XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes to each bureau informing them that I no longer owe XXXX XXXX this account has been paid off in full and they are continuing to report that this is a collection account and derogatory. I need this account to be removed due to inaccurate reporting. I have also sent several disputes to XXXX XXXX XXXX XXXX XXXX and XXXX  requesting debt validation and nothing has been sent to validate this debt at this point they are in violation of the FCRA guidelines and this need to be removed immediately! Attached is proof of the letters sent requesting this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to Equifax 's mishandling of my credit information, I placed a freeze on my Equifax credit report. At that time I was provided a pin to manage my credit report. THE PIN DOESNT WORK and I am faced with the prospect of wasting more of my time and energy correcting a problem initially created by Equifax.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reportin Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Burea ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Mortgage

This loan officer through his manager : Loan # XXXX Zip code used is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX ( email ) XXXX ( direct dial ) XXXX ( cell phone ) XXXX text and call ( fax ) XXXX Mr. Cooper XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Purchase Sales Manager XXXX # XXXX These people in all their departments have evaluated our credit and income and have toyed us around. I was approved for a loan and now have savings too, and they recanted due to familial status, family origin or XXXX background, I am a XXXX working american citizen. I applied for a loan they approved me and XXXX  knowing the familial status or other detail, they recanted I owe no money to mr cooper or natiostar. 

Nationstar has received XXXX dolars in cash from XXXX XXXX as security deposit ( I can prove it ) and kept it in a " separte account '' for the bank 's benefit, and my mother XXXX XXXX XXXX not owe any money to the bank and sent some to their attorney and some to their client buddies in electronic interstate transfer of exempt retirement funds of a XXXX XXXX XXXX XXXX woman, and kept it along with some transactions doen by their counsel with a revoked license company whereby the attorneys hold some documents he negotiated behind our backs they are threatening us to pay the undisclosed illegal debt obtained by their clients on a property they no longer own or occupied. All equity belongs to XXXX XXXX since XXXX and there is a title to proove that. Nw the want to keep the money, take the XXXX  to the street. sell the house for 3 tiems the debt keep her cash and reward the attorney and the fraudster for not showiing up to court because the attorney did NOT SUMMON SERVE PROPERLY the morrgagor hence colluding to cover a crime against an innocent senior purchaser of value. FDIC sent information to the FBI already.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I was informed that Suntrust reported to all three credit bureaus that I was 30 days late on my car payment in XXXX. I have never been late on my car payment with Suntrust in 5 years. My last payment to Suntrust was in XXXX where I made two payments. One was my regular payment and the second payment  was a payoff. It was reported on my credit reports that I paid " on time '' every month for 4 years and 11 months. But in XXXX, when I made 2 payments, and paid my car off, Suntrust reported me as being 30 days late. The month before ( XXXX ) is reported on time, but the month after, which is the last month of my payment was reported 30 days late. This is impossible. I've never received any notices about being 30 days late because I've never been 30 days late. I've only received a Congratulations Letter, You have paid off your car loan with Suntrust. '' Suntrust 's error has negatively impacted my credit score by 46 points and I have worked extremely hard to maintain good credit. This is not my first occurrence with Suntrust 's banking error. Suntrust added a car loan belonging to someone else in the amount of {$30000.00} to my existing loan with them. It wasn't until I went online to pay my car note, that I noticed it. It took several months and hours on the phone with Suntrust trying to resolve this error. Just last month, I received letters from Suntrust saying that they were repossessing my car when my car was paid off! I also received notices from the US Postal service stating that this was their final request for action. I an now experiencing yet another one of Suntrust 's errors! I am currently dealing with death in my family, and this is added stress. This is poor customer service and substandard customer care. Is this how valued customers are valued? The victimization by Suntrust has to stop.
Product: Credit card or prepaid card

capital one credit card closed XXXX accounts for no reason. due to the fact they closed the accounts we can not redeem our accumulated points to purchase a new XXXX XXXX  product.
Product: Debt collection

never heard anything now all the sudden I have 2 different collection companies for the same debt with no license in Texas to collect delete it now the statue of limitations is over my next step is sending this to my lawyer
Product: Checking or savings account

First of all WELLS FARGO still creates accounts you do not ask for, they also create different accounts than you sign up. If I sign up for a business account they sign you up for a completely different account, they enter them wrong for your business to occur additional fees. 

They AUTOMATICALLY give you a savings account and a CREDIT CARD even if you do not want one. Then once you use the savings account if you do not that XXXX dollars they charge you a fee, can you believe it they charge you a fee for your savings account, to do NOTHING! XXXX dollars a month if you do not have enough money in the account! On top of that they change the interest rate at any time you can have 1.5 % and next month zero percent! So they are borrowing from the federal government at zero interest and giving out interest rates of 5 % + to consumers. They leverage the consumers money and never give anything back they should have a set rate not steal from the consumer.
Product: Credit card

I applied for a Chase Sapphire Reserve credit card on-line from their official web site and my credit card application was denied because of a XXXX rule ( I applied for more than XXXX credit cards in the last 24 months ), which was not clearly written in the application page.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Subject : Final Demand for Removal of Accounts Listed in FTC Report Dear TransUnion, This letter serves as a final demand for the immediate removal of the accounts listed in my FTC Identity Theft Report, which was previously submitted to you. Despite my initial correspondence, you have failed to act in accordance with federal law and continue to report inaccurate and fraudulent information on my credit report.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, you are required to block the reporting of information that is the result of identity theft upon receipt of an FTC Identity Theft Report. Your failure to address and remove these accounts constitutes a clear violation of my rights under the FCRA.

Additionally, your inaction directly contradicts your obligation under FCRA 1681e ( b ) to maintain maximum possible accuracy of the information you report. By continuing to report these accounts, you are causing me ongoing financial and reputational harm. 
Legal Implications : 1. For every account listed in my FTC report that remains on my credit file, I am entitled to statutory damages of {$1000.00} per violation, as outlined in FCRA 1681n.

2. Your failure to act promptly and in good faith exposes you to liability for actual damages, punitive damages, and my attorney 's fees, should this matter escalate to legal action.

I am giving you four ( 4 ) days from the date you receive this letter to comply with my demand. This means : Immediately removing all accounts listed in my FTC Identity Theft Report from my credit file. 
Providing written confirmation that these accounts have been removed. 
If I do not receive confirmation within this timeframe, I will have no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and initiating legal action to enforce my rights. 
I urge you to treat this matter with the urgency and seriousness it requires. Your failure to act will not only result in financial penalties but also reputational damage to your organization. 
Sincerely, XXXXXXXX XXXX
Product: Prepaid card

Amex Gift card for XXXX. My wife tries to use at local stores and is embarrassed. I spent XXXX hours on the phone to get them to " unlock '' the card from trying to use it and restore the balance. XXXX XXXX XXXX  just talking circles. Finally get them to restore the funds, declined at XXXX more local stores, online at XXXX XXXX, failed at XXXX for games, failed at the gas station. They are simply stealing the money.
Product: Debt collection

The information they provided is false and misleading. XX/XX/ I went to court regarding a debt with XXXX XXXX company in XXXX, XXXX Due to my bad health and extreme hardship the judge asked the plaintiff to step outside and work out a payment arrangement. We did. I agreed to pay {$100.00} a month and they accepted and would contact me on how to make the payments. Soon afterwards, I received a letter of judgement stating that I didnt come to court and they were awarded a judgment. I contacted the law firm and we argued back and forth until they agreed there was an error and they set the judgment aside. I then began making the {$100.00} payments on XX/XX/ by money order. After XXXX payments, I called them to get my payoff and they could not find any record of my payments. I stopped making payments until they did their research to find my payments. 
They tried to garnish my wages. There is a 7 year limit to collect debts in Mississippi. They have falsified dates and amounts just to extort money. I can prove all the dates because I still have my XXXX XXXX XXXX original paperwork that they probably didnt expect. 
They are not a member of the XXXX and their reviews and complaints are quite similar to mine. They are trying to attach this judgement to my workers compensation case that I will be settling soon. Please help me prevent this injustice.
Product: Debt collection

Was emailed about a {$2200.00} debt owed to this company that I am unaware of. I never applied for loan via cashnet. Was told it was applied for online.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 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 XXXX XXXX and Transunion data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2021 I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. COLLECTION NAMES XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information You have 30 days to respond this letter with all this proof I requested or delete this collection from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX 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
Product: Credit reporting or other personal consumer reports

The XXXX along with Equifax have been denying me about all these inquiries on my account. I have given police reports and identity theft reports stating that these inquiries were not mine. Im tired of it. They all need to be removed at once!!! According to 15 USC 1681b I DID NOT GIVE ANY PERMISSION FOR MY CREDIT TO BE RAN ALONG WITH IT BEING PUBLISHED ON MY CONSUMER REPORT! This is illegal to obtain my credit without my permission and you can be sued for it. So XXXX and Equifax need to remove these inquiries. Its a ridiculous amount of inquiries which is crazy and some are one day after the other. Like seriously youre not going to get an approval if you didnt get one the day before. Im tired of fighting especially when I have said it isnt mine its fraud given police reports and so forth. Remove at once.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I was supposedly approved for a loan modification on my mortgage with DITECH. I completed by 3 trail payments by XX/XX/XXXX. Since then, I have been paying the trial amount each month but can not get them to answer questions about the status of my final loan documentation. I can not get my rep to call back with any coherent response, and all I get are letters in the mail pushing back a " resolution '' time by 14 days each time.
Product: Debt collection

XXXX XXXX AT XXXX XXXX XXXX, XXXX, SC XXXX Has been sending me collection notices in the amount of XXXX. 
The collection has been reported as " open '' and with a " past due '' balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Product: Credit card or prepaid card

date : XXXX XX/XX/, amounts : {$59.00} + {$99.00} two transactions, Merchant : XXXX XXXX XXXX Bank : American Express credit card. 

I downloaded XXXX app on my XXXX XXXX XXXX  from XXXX store on XXXX XX/XX/2023. I paid {$59.00} for download XXXX XXXX on my XXXX  and {$99.00} for download XXXX  on my XXXX. I use American Express for both transactions. After i made the payment. I tried to use XXXX. it was not working on my XXXX  and XXXX. i did some trouble shootings still same issue. Then i purcahsed XXXX XXXX from app store on my XXXX. XXXX  works very well on my XXXX. then i purchased XXXX XXXX from app store on my XXXX. XXXX XXXX works very well on my XXXX. I found it is not my device problem. then i request refund from XXXX on XXXX XXXX XXXXXXXX XXXX denied my request. then i contacted XXXX. XXXX  only have email contact method. i emailed XXXX  3 times. i only got automatically reply while i sent the email to them. after that no further response. then i contacted American Express to fill dispute charge on XXXX of XX/XX/2023. The agent from American Express recommend me contact XXXX  again and denied my dispute reques. I contacted XXXX  on XXXX XXXX again. XXXX recommend me to contact American Express. Then i contacted american express again. at the meantime i request to talk to supervisor of XXXX. then i had phone call with American express and XXXX  together. they both just talked their own policy that is i am unable to get refund even the application not working. I entreat both parties. Finally American Express said could fill a dispute case for me. However, I will get the same result because XXXX has denied my refund request. they cant get chargeback for me.
Product: Credit card

I contacted chase card in hopes of verification of a credit card application and they stated they could not send me the documentation I needed to verify the account. I do not take ownership of the card that was open or closed, on the same day, nor was it used. I want to verify the validity of the hard inquiry they are reporting to the credit bureaus. Instead of them sending me the information or providing me with the application that they claimed I submitted they told me I can write a letter to them or have my attorney send subpoena for the information. Is the the correct process when a person, who is concerned about fraud is trying to verify an account on their credit?
Product: Bank account or service

I received my statement from chase, And the fund I received was not the correct amount especially in my saving. also my checking had been compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems tocare, that I want to dispute specific items in my credit file that do not belong to me, or that I have signedany agreement. The items I'm challenging have nothing to do with any transactions I've done orauthorized to gain products, services, or money. Please remove the following : 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 XXXXXXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are misspelled names, incorrect address, wrong DOBs and work places on my credit reports that i would like removed please and thank you..
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was shocked to find inaccurate accounts listed, and I cant understand how this happened. Ive been reviewing my credit report regularly, and its always been fine, but this time there were unexpected discrepancies. Hoping it was a glitch, I refreshed my browser multiple times, but the errors were still there. Now Im left confused and worried, so Im pleading for the documents Ive provided to be carefully reviewed to ensure this doesnt happen again.
Product: Credit card or prepaid card

I ordered about {$700.00} worth of goods from a company XXXX XXXX XXXX XXXX which scammed me. They either never sent the package or sent something like a piece of mail so that they would have tracking either way I never received my parts and contacted the company and was told I wouldnt be getting my parts or my money. I reported this to chime and my claim was denied without them even investigating and they are supposed to stand behind me as their customer.
Product: Payday loan, title loan, personal loan, or advance loan

The company cash advance system is Rigged! I applied for an advance XXXX weeks ago for {$400.00} and paid it a day early. It is still processing to settle. The website states that it could take up to 5 days. The advance paydate was XX/XX/. I paid it XX/XX/XXXX XXXX XXXX I have multiple tickets open and still haven't heard anything I was told that i would get reimbursed 3 months credit worth of membership fees. However, I am still getting charged. Nothing anyone says that works there is true.I even read the reviews and noticed that a simular situation happened with another member back in XX/XX/XXXX XXXX They are reporting to the credit bureau that the payment is late. This is False!
Product: Credit reporting or other personal consumer reports

The company reported me as 30 days past due but during that 30-day period, I was unable to manually go to their website and make a payment. I did eventually call them to report the problem and was informed I could also make the payment by phone so I did immediately. I actually have 2 loans with this company and did not have problems accessing the other loan and made that payment on time. They are now showing on my credit report as 30 days late and it is negatively impacting my credit. I disputed the record but they refused to change it.
Product: Debt collection

After looking on my credit report, i've noticed accounts that in my name with my authorization. My information was available on the dark web after my identification was stolen. The companies below have not acknowledge the fraud on these accounts. 

XXXX XXXX  XX/XX/XXXX {$7600.00} XXXX XXXX XXXXXX/XX/XXXX {$13000.00} XXXX  XX/XX/XXXX {$2500.00XXXX XXXX  XX/XX/XXXX {$870.00} XXXX XXXX XXXXXX/XX/XXXX {$10000.00}