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

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. On 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 30 days give a reason to immediately remove those items from 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 Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

i used self lender to help build my credit and paid it on time every month to completion. someone then used my account to order on XXXX which was found to be fraud. i was unaware my account was being used and the company credited the account back the amounts that were fraudulently charged. XXXX, they then marked me as having a 30 day late payment on my account for the amounts fraudulently charged. I was never 30 days late because I never owed them anything at that time they said my payments were late and my account was paid in full. This continually hurts my credit every month and I have asked for goodwill removals as well as asked them to correct the late payment by removing it but they keep it instead of looking into it as being their own error not mine. I shouldnt be punished and keep losing points on my credit every month for their continued reporting in error. please help!
Product: Vehicle loan or lease

XX/XX/XXXX  , day before my   XXXX   birthday Myself & Son went to   XXXX   XXXX     XXXX  Pa, sales person   XXXX   XXXX   ... the way Girl explained things   XXXX    would pay off  XX/XX/XXXX    XXXX   XXXX   found out  XX/XX/XXXX   XXXX   XXXX   was not paid off ... I contacted   XXXX   XXXX   & spoke to the finance dept at  XXXX ..  XXXX   said there was nothing they could do..I asked  XXXX  if the contract could be renegotiated I was told NO! ... I came into the dealership with an advertisement stating They   XXXX   could save me {$200.00}. On car payment ... I end up owing a $  XXXX car payment plus a {$420.00} lease per month ... that was not what I bargain for, I 'm  XXXX  on a fixed budget, I take care of my   XXXX   XXXX   XXXX   XXXX   Niece ... WHY WOULD I TAKE ON   XXXX   CAR NOTES .... &    XXXX   XXXX   XXXX      did a BATE & SWITCH , My Son also heard   XXXX   state they would cut a check that same day to pay off  XX/XX/XXXX   XXXX   XXXX   ... .I left   XXXX   XXXX    XX/XX/XXXX  with the mindset that the XX/XX/XXXX  was PAID OFF.  XX/XX/XXXX I found out different and started calling everyone ... ..I 'm
Product: Debt collection

Closed our account with XXXX beginning of XXXX 2015. They continued to automatically charge my credit card on file for an additional months bill in XXXX. I called/online chat with them numerous times and was told the money would be credited back when a final bill was issued. I have yet to receive this final bill. I filed a dispute with my CC to protect myself. XXXX tried to claim I owe them this money, after their agents have told me thru repeated conversations ( see attached ) that they would clear up issue and that I did not in fact owe any money ( since it was monies they had over charged me ). Despite continued correspondence with XXXX several times a month since last XXXX, they continued to refer me to their 3rd party collection company. I talked with Sunrise several time to clear up the matter. I forwarded all the XXXX chats to the collection company ( Sunrise Credit Services Inc ). I just received a new collection bill from XXXX XXXX for the same issue. I called Sunrise and they only told me that the account had been removed from their system. I have not been negligent, I have contacted XXXX and Sunrise at every step of the way and continue to be told that the issue has been resolved and no debt is due by XXXX and continue to be lead on a goose chase by Sunrise, only to find out later by written mail that the have escalated the claim. At this point I feel XXXX is harassing me and has costed me hours of my time and much distress in trying to clear up the issue. I do n't know what to do to get them to keep their promises and clear up the Account. I can not continue to waste time corresponding with them, when they tell me one thing and do the opposite. Can you help me to get XXXX to keep their word and stop harassing me for debt ( {$120.00} at this point ) that they already promised me was resolved? Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

REPORTING OF ADDRESSES THAT ARE NOT MINE


MY NAME IS

XXXX XXXX XXXX  


MY ADDRESS IS 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  

MY SECOND HOME ADDRESS IS 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


15 U.S. Code  1681i

THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX CARD 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX continues to report inaccurate information on my credit reports. Currently they have two different accounts reporting on my XXXX report. I 've only had one loan with them and the terms they are reporting is incorrect if. Per the Fair Credit Reporting Act, all items that are reporting incorrectly has to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX XXXX {$480.00} XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX {$960.00} COLLECTIONS XXXX {$380.00} XXXX XXXX XXXX {$1200.00}
Product: Mortgage

This is a second complaint concerning Shellpoint Mortgage Servicing. Original ( XXXX ) was not taken care of. We still can not access our account. We still remain in Bankruptcy per their records. Customer Service can not or will not help. Bankruptcy Department does not respond to messages and does n't answer their phone. Absolutely noone can/will help at Shellpoint. We can not even verify what our XXXX payment should be.
Product: Payday loan, title loan, or personal loan

2nd Request - Noticeable 8 USC 1324C recognized : Consolidated Loan APPROVED in XX/XX/XXXX ... amount $ XXXX 14.54 % interest rate. However, NFCU 's calculation of 14.54 % interest rate is more of a 32.33 % interest rate. Total amount borrowed = {XXXX}. Monetary dollars PAID toward Consolidated Loan AS of this date, XX/XX/XXXX TOTAL {XXXX} [ XXXX XXXX XXXX ]. NFCU 'S fraudulent monetary dollar amount remaining to the PAID = XXXX}. HOW? A 14.54 % interest loan? Please REQUEST of NFCU to correct their 8 USC 1324c - Penalties for False Documents,, i.e., NFCU overcharged amortization. 

{XXXX} - {XXXX} = {XXXX} XXXX w/out added interest ) .... But, NFCU calculation reads {XXXX}. 

Please calculate@ 14.54 % interest to be {XXXX} ... NOT ... NOT {XXXX} [ per Promissory Note ]. Once recognized and calculated, NFCU was informed ; in turn, NFCU should have CORRECTED their error in calculations. 

I, XXXX XXXX XXXX, XXXX, should NOT be adding monetary dollars to someone else 's future college loan or savings account. Thanks to ALL in advance. 

Best Regards, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> I started a dispute with transunion about accounts reported on my credit report I gave the law section 605b and made them aware of the fact that I had no knowledge of the accounts and that keeps stating that it will take 30 days despite what the law says. my information was exposed in a data breach. I made that very clear and the fact that all the open accounts that I didn '' t open is causing me harm by being denied an extension of credit. I have desputed the accounts before and they always come back as verified without any proof. I did get incorrect addresses and names remove except one incorrect name. I'm not sure why they are not removing it when the spelling is clearly wrong.
Product: Debt collection

I have been getting phone calls and bills for about 6-8 months and have reported repeatedly. It seems my social security number was stolen in 2018 around the month of XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XXXX This CFPB complaint has been filed to request to pursuant to FDCPA 809B ( 15 U.S.C. 1692g ( b ) ) and FCRA 623 ( b ) ( 15 U.S.C. 1681s-2 ( b ) ). I am filing this complaint against XXXX XXXX XXXX XXXX XXXX violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, XXXX XXXX XXXX XXXX XXXX received my written request for debt validation regarding an account they are reporting on my Equifax credit report. I have proof of delivery via XXXX tracking ( attached ) as well as a domestic return receipt ( attached ). To date, XXXX XXXX XXXX XXXX XXXX has not responded to my request for validation, as required under FDCPA 809B 15 U.S.C. 1692g ( b ) of the FDCPA. Furthermore, despite their failure to validate the debt, they have continued to report and update this debt on my Equifax credit report, which constitutes a violation of the following : FDCPA Violation : Failing to cease collection activities until validation is provided FDCPA 809B ( 15 U.S.C. 1692g ( b ) ). FCRA Violations : Reporting inaccurate or unverified information to the credit bureaus 623 ( a ) ( 15 U.S.C. 1681s-2 ( a ) ). Failing to investigate and verify the accuracy of the disputed information after receiving notice of my dispute 623 ( b ) ( 15 U.S.C. 1681s-2 ( b ). The failure of XXXX XXXX XXXX XXXX XXXX to validate this debt and their continued reporting has caused significant stress and potential harm to my creditworthiness. It is imperative that these violations are addressed promptly and the account removed from my Equifax Credit report.
Product: Checking or savings account

XX/XX/XXXX : My wife deposits a security deposit return check from her landlord. It was accepted by her bank. 

XX/XX/XXXX : A forged check is physically presented at a Fifth Third Bank for the same amount. The funds are debited from our account without our notification. When my wife notices in our statement the missing funds she contacts our bank and they state the funds were removed by request and that we need to contact the writer of the check. At the time, the representative did not state that the forged check had been presented at a Fifth Third bank. We go back and forth with her landlord until we agree he did not receive back the funds. 

All attempts to contact Fifth Third bank result in stonewalling and the representative stating that because we are not Fifth Third account holders that they can not help us.
Product: Debt collection

We received medical care on XXXX XXXX, XXXX from XXXX of XXXX. After insurance, we were billed for over {$1000.00}. We paid the bill down to {$500.00}, and in XXXX we had enough money to pay the remaining amount and did so. We remitted this amount directly to XXXX on XXXX XXXX, XXXX, paying our account down to XXXX. A week later, the week of XXXX XXXX, we received a phone call informing us that XXXX had sent our account to Financial Corporations of America, a collections agency, for the {$500.00}. We informed them that we had just paid that amount the previous week. Financial Corporations apologized and said that they would confirm with the hospital that nothing more was owed. Then the following week, the week of XXXX XXXX, we received another call from Financial Corporations. We reminded them that we had spoken the previous week and that this debt was no longer owed. They found the note in their system and said that they had not yet received confirmation from the hospital. On XXXX XXXX we received a letter dated XXXX XXXX saying that we still owed {$500.00}. We contacted them and informed them again that we had paid that amount, she replied that they had contacted XXXX and XXXX said that we still owed that amount. She said that we needed to send a copy of our bank statement to the collection agency showing that the amount had cleared. We asked if there was someone at XXXX who needed to be contacted, and she did n't have that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I challenge the accuracy and compliance of this listing. I requested that the reporting company provide me with any relevant information and supporting documentation on the following accounts XXXX XXXX XXXX   XXXX, XXXX/XXXX XXXX but none of them responded in detail, all they send me a is a computer generated paper saying the accounts are correctly verified.. I have provided explicit documentation that proves the inaccuracy, yet bureaus continue to report incorrect information. CFPB remove this error and fix my acconts
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX 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  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This XXXX Complaint is to notify you if you do not REMOVE the listed items on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance.
Product: Credit card

I have been trying to rectify a very important issue with Citibank, but have not been successful due to being ignored and sent around from department to department. NO ONE WANTS TO HELP ME!!! 

PEOPLE I HAVE SPOKEN WITH IN THE DEPARTMENT : XXXX, XXXX & XXXX WHO HAVE GIVEN ME CONFLICTING STORIES. 

CITIBANK DAILY DEALS - I AM BEING BLOCKED FROM GETTING THEM! 

Citibank Online - My Deals I have called at least XXXX times and was first told, NO, NOTHING IS WRONG WITH YOUR ACCOUNT, YOU'RE NOT GETTING THE OFFERS FAST ENOUGH. I HAVE WENT ON AT EXACTLY XXXX XXXX XXXX AND THE SECOND I HIT THE BUTTON, IT SAYS SOLD OUT!! 

I HAVE XXXX SCREEN SHOTS OF THE TIMES I HIT THE BUTTON AT XXXX XXXX ON THE DOT. 

THEN THIS IS WHAT I WAS TOLD AND WHAT HAPPENED : XXXX. YOU ARE BEING BLOCKED BECAUSE WE WANT TO GIVE OTHER PEOPLE A CHANCE TO GET THE OFFERS. YOU GOT TOO MANY LAST YEAR. 

XXXX. IT'S SUPPOSED TO BE ON A FIRST COME FIRST SERVED BASIS. LAST YEAR, I GOT THE GIFT CARDS ESILY. THIS YEAR I HAVE RECIEVED ONLY A FEW IN 2 MONTHS. 

XXXX. OH, YES, WE HAD GLITCHES WITH THE PROGRAM. AFTER I WAS TOLD NOTHING IS WRONG. 

XXXX. I HAVE SPOKEN TO XXXX, THE HEAD OF THE DEPARTMENT WHO HAS LIED TO ME AND SENT ME TO 'CARD SERVICES ' WHICH KNEW NOTHING ABOUT THE DAILY DEAL. ALL XXXX DID WAS WASTE MY TIME. HE MAYBE NEEDS TO BE RE-TRAINED ON HOW TO HANDLE SITUATIONS LIKE THIS. 

XXXX. I AM VERY DISAPPOINTED IN HOW I'VE BEEN TREATED, I AM CLEARLY BEING DISCRIMINATED AGAINST, LIED TO AND SCREWED AROUND WITH AND I DON'T APPRECIAT IT!!! 

XXXX. I'M JUST REQUESTING EQUAL TREATMENT AND NOT GETTING IT. I AM BEING TREATED UNFAIRLY. 

XXXX. THE RULES TO NOT SAY YOU ARE LIMITED TO ANY AMOUNT OF GIFT CARD. 

I WANT MY ACCOUNT FIXED NOW WHERE I AM ABEL TO GET ANY GIFT CARD I GET ON A FIRST COME, FIRST SERVED BASIS!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Transunion to let them know that they was reporting a account on my credit report that wasnt mine
Product: Debt collection

Hello, Im contacting you about the company LVNV Funding XXXX XXXX XXXX XXXX, SC XXXX. 

They are inaccurately reporting information to the credit bureaus and are continuously adding fees that is showing up on my credit report.

This is deemed as derogatory and ILLEGAL!! They have NOT sent me any information whatsoever that they are not licensed to collect in the State Of California. They have not validated this debt with me with no signatures on any letters. It is illegal for debt collectors to charge fees that the consumer never agreed upon or even made. This a very serious violation of the Fair Credit Reporting Act. They have violated my rights as a consumer and I am requesting this be removed from ALL 3-credit bureaus.
Product: Credit card or prepaid card

On XX/XX/2022 my credit card information was taken by a phishing scam website XXXX  and a charge of {$850.00} was placed on my American express credit card. It is immediately noticed because the payment was processed through Stripe although the website pretend to setup a XXXX account. It was immediately reported to American Express customer service as fraudulent, and requested to secure my account my account by changing the card number to block future transactions. Reports were filed with reportfraud.ftc.gov ( Report number : XXXX ), FBI XXXX XXXX XXXX XXXX ( XXXX ), XXXX and Stripe which hosted and processed the transaction, in the following days. I submitted all evidences of fraud, including the fake billing address/phone number in the XXXX from XXXX transaction XXXX on American Express XXXX XXXX XXXX  XXXX XXXX : XXXX On XX/XX/2022 I received an email about the charge being reversed and credited to my account. There is no other postal mail/email received from American Express after this date. 

In conclusion : 1. American Express did not look at the evidence of a fraudulent transaction throughly 2. American Express did not notify me promptly about the reversal of the charge either in postal mail or email with a broken email system 3. American Express did not send me the denial letter or the evidence document upon requested In XX/XX/2022 I discovered I was actually charged again. Upon calling American Express customer service I was told I was rebilled on XX/XX/XXXX because the scammer submitted fabricated evidence that I ordered and was shipped a certain item, and my cancellation was invalid ( It did not happen, it was stated clearly to American Express it is a fraud, there are fake addresses and contact information, and cancellation of a non-existing order was not possible ). While requesting both the denial letter and evidence document from the scammer through verbal request or email, American Express did not send me anything. Indeed I told American Express their automatic emailing system by customer service is broken and every-time the representative promised he/she just sent me something, it was never received.

American Express refused to re-open the dispute. Upon contacting their Executive Office through emailing the CEO American Express insist they have already did the investigation ( despite the clear evidence this was a fraudulent transaction ).
Product: Credit card or prepaid card

I was unable to purchase my medication for upcoming XXXX. I called the card company and was told my zip code was wrong. They claimed to reactivate the card after I asked to speak with a supervisor when they requested all forms of ID including my birth certificate. 

I feel it was a phishing attempt. 

I would like to close my account with them after this experience, but I am locked out of my account.
Product: Debt collection

I want to know the method that the collection company uses to verify and validate this debt. 15 U.S.C. 1681e ( b ) under the FCRA, credit reporting agencies are required to maintain maximum accuracy. This account is erroneous, unverifiable, and damaging to my credit report. If you are reporting inaccurate or incomplete information you are violation this provision. 15 U.S.C 1692g ( b ) under the FDCPA, debt collectors are obligated to validate debt upon request. This includes providing proof that I owed the debt, proof that the debt collector has the legal right to collect it, verification of the original creditor. if no validation is provided, you are required to cease collection and reporting activites. 15 U.S.C 1681i ( a ) I demand an immediate investigation of this disputed account as required under this section If the account can not be verified withing 30 days, it must be deleted from my credit report promptly. And lastly i want to be provided with proof of which methods use to verified the debt.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I was notified that One Main Financial checked my credit on my XXXX report. I did not give this company permission to check my credit and I have not applied for any of there services.
Product: Credit reporting or other personal consumer reports

While viewing my credit report I noticed an inquiry that I didnt authorize! Ive never applied for any product with this company, nor have I entered into any contracts, provided any signature, or ID! This inquiry is damaging my credibility and should be removed immediately!
Product: Checking or savings account

Fraud on my account totaling {$7000.00} from two different accounts. Bank of America took 90 days to then tell me I wont get it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, Since XXXX, XXXX 2023 I have been attempting to dispute some negative, inaccurate remarks on my credit file. 
In doing so I have adhered to all requirements that are required to open a dispute with XXXX. 
I have mailed this company dispute letters including three forms of ID verification also including the required address verification and yet this company has illegally refused to open investigations. I have attached the dispute letters that I have mailed to them, along with each form of ID, and I also have attached the bogus unlawful stall letter that this company has repeatedly sent to me twice with no valid merit in doing so as I have complied with all verification requirements. 

Even the credit repair company who drafted up my dispute letters have mailed this company " along with dispute letters '', a Credit Dispute Authorization Letter in which plainly identifies the company and clearly has my signature and Ip address on it which verifies my authorization for this company to dispute on my behalf. 

There is no legitimate reason for this company to reject my dispute letters. I also have attached screenshots directly from their website that clearly state their Identification requirements, and this proves that I followed correct protocol.