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

I appreciate your time to REMOVE some of the inaccurate items in my file that resulted from problems caused by inaccurate credit information, but I still have ITEMS left that needed to be removed. This is my new attempt to dispute an inquiry in my credit file which resulted from an incorrect credit report details. Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 
EXPERIAN : 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/XXXX4. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an incorrect credit report details. I do not consent to XXXX or any means of automated verification.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$1100.00} ; XXXX XXXX XXXXXXXX Balance : {$940.00} ; XXXX XXXX XXXX Balance : {$880.00} ; XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} ; XXXX XXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXX XXXX : {$780.00} ; XXXX XXXX
Product: Consumer Loan

We purchased a Lexus in XX/XX/XXXX with XXXX miles allowed on a 2 year lease. XX/XX/XXXX, my family encountered a hardship which we realized that we would need to use the car more than anticipated. We walked into the Lexus dealership and spoke with a financial rep. We explained our situation and asked if it would be possible to purchase extra miles or negotiate the contract. The rep told us that it will be possible to purchase more milage and to continue driving the car. So we drove the car and are now at XXXX miles. I called Lexus financial and was advised that buying milage was not possible and that there is nothing they can do to help. I attempted to speak to a supervisor and was hung up on 3 times attempting to be transferred. The last rep stated that they have been having trouble with their phone lines and the last rep XXXX had notated that the line had hung up. I am still waiting for a supervisor to call back. I understand we had a contract but we would have never gone over our miles if we had known that buying milage was not an option. I keep telling Lexus that I want to buy another Lexus and would like them to work with us with the overage on the milage. All they say is that we do n't have the capability to negotiate anything. I cant believe how they treat their loyal customers. I really want to purchase another Lexus since my lease is up in XX/XX/XXXX but if were being lied to about our options and playing the he said she said game then i will never step foot into another Lexus dealership. This is fraud and misrepresentation. Please help us negotiate our overage, I am a XXXX and do not have the money to afford what has happened. I am willing to pay half and get this nightmare over with. Please help me.
Product: Credit card or prepaid card

We have reached out to the carrier USPS in regards to this missing item. ( The lamps for {$300.00} from XXXX I was eventually transferred to a supervisor who advised me that although the package was marked as delivered they could not provide me with the geotracking information to prove this. I was also told that because of seasonal workers ( temporary workers that were new to the company ) it was likely that my package was lost or accidentally delivered yo the wrong address. 

I was security camera footage from the front of my house and my porch and I can provide proof that no one came during the entire day USPS claimed the package was delivered. 

I have tried to work out the issue with my merchant many times Ive also contacted the carrier who admitted the package was most likely lost or delivered to the wrong address. We will sign any legal document stating that these facts are true. 

We contacted HSBC who DENIED our claim. I believe we contacted them around mid XXXX. They were extremely rude, with one agent yelling at me accusing me of being a lying woman who just wanted the item for free. I was SHOCKED and sickened. We have never disputed fraud with this bank EVER before this never late on a payment. They also lowered my credit limit down from {$8000.00} to only {$500.00} as a result of this. 

Please assist us in this matter we spent a lot of money and never received the product we ordered. Its not right and weve tried to do everything the right way to resolve this issue. 

We expect to receive the full credit of {$300.00} since we NEVER received the items and we have video proof of this. 

Thank you
Product: Credit reporting or other personal consumer reports

My credit report has incorrect personal information such as multiple name errors and a wrong social security number. The social is incorrect with Experian, who also tell me I own and am financing a vehicle that a family member has the exact make/model. The loan for the vehicle I was told started at the time they that would make sense with this issue. I have had many other matters in regards to fraudulent trust, student loan, and social service accounts with this individual. All of which I have substancial evidence of wrongdoing. As this person is my mother, she has had all information of mine. I had a phone number with her account, used her address for mail, etc.
Product: Money transfer, virtual currency, or money service

The following details requested by XXXX on CFPB filing # XXXX, The proof of delivery was already submitted in the previous filing. Company response for additional proof is attached. 

TheXX/XX/XXXXnumber that XXXX has already secularized will be provided in court for proof of the securities fraud being conducted. 

Should company continues to deny receipt and does not deliver the title of VIN # identified in the Purchase Order attached, the filing in equity court for resolve will pursue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Goldman Sachs XXXX Account XXXX XXXX .... continues to appears on my credit report after I have provided the Credit reporting company ( XXXX ) thst this particular account is fraud and not mine. I've submitted police reports stating the error and I've threaten them with a lawsuit and its still showing as verified account. I've also sent this information to Goldman Sachs as well. They have NEVER investigated the issue after showing proof. I'm not sure why I keep getting letters that are threaten intent. These tactics are illegal and these companies are getting away with it. I want this to STOP> I need to request this old account to be removed from my credit file immediately before I approach the social media and new outlets as I'm being taken advantage because I'm a person of XXXX. 

I will claim XXXX discrimanation in a lawsuit. Thank you l!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple accounts that have been removed from 2 other credit agencies however Equifax has not resolve or removed the 2 accounts that should be one based on the confession of the companys error. Equifax and is ALWAYS the last to update credit updates and changes they take above and beyond to post collect information I am extremely upset with this agency they make it extremely hard to rebuild credit and they do not follow timely guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting Inaccurate information ( Wrong Balances ) on my account status on file
Product: Mortgage

Please reference CFBP case # XXXX as well as this information. 

I had a BOA HELOC that was closed & charged off in XX/XX/2011. The last payment made on it was at least a year before that point. After case # XXXX however, BOA stopped reporting the " Date of First Delinquency '' to the large credit reporting agencies. As a result, even though this account is now past the 7 years since it was last active mark, it has not been removed from my credit report per policy and Federal law.

I would ask that now this account has reached the 7 year mark from the DOFD, they take steps to have it removed entirely from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and am disputing Several addresses some which I have not resided at, and I was also a victim of fraud. I am requesting these addresses be deleted. I have highlighted these addresses and I am disputing these items. I have attached the police and fraud report. The reasons why these items should be deleted are inaccurate information due to fraud, my identity has been compromised. Please remove the following : XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXXXXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXXXXXX XXXX XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX, I have not been getting the inaccuracies, incomplete, and misreported data corrected despite all the hard work of sending certified mail, losing time and money due to Equifax deliberate scheme to willful non-compliance. On XX/XX/XXXX Equifax received my certified mail with evidence of address, Unexpired GOVT ID and SSN Card by certified mail XXXX. On XX/XX/XXXX, Equifax confirms receipt of all my documents to support my legal identity. Equifax is not abiding by the laws of the FCRA. I called Equifax on XX/XX/XXXX and spoke to agent XXXX and advised that the ongoing inaccuracies I found on my consumer reportof the student loans and personal data has been negatively affecting me. Agent of Equifax stated there is nothing can be done as she stated all data is only good for 90 days. when I sent disputes Equifax has totally ignored me so that is the reason am requesting your office to assist me with this ongoing issue with Equifax. This whole experience has caused me significant emotional stress, anxiety, sleeplessness, injured my credit reputation, denial of credit, financial hardship, and loss of time.
Product: Debt collection

In XX/XX/XXXX and XX/XX/XXXX, I was covered by Medicaid for all medical expenses. This company is trying to collect a debt that I do not owe and does not belong to me. I have request Gold Key Credit, Inc to provide validation of debt from original consumer, which I have not received any information relating to my request. I would like Gold Key to remove this derogartory collection account from all credit bureaus immediately.
Product: Debt collection

Common Wealth Financial Services is reporting to XXXX, XXXX XXXX XXXX that I owe a " Medical Debt '' to them for {$1300.00}. I have not signed any contracts with Common Wealth Financial Services. Nevertheless, Common Wealth Financial Services should not be in receipt of my medical information. This is a violation of my XXXX & subtitle D of the XXXX, SEC. XXXX. Enforcement of penalties against me is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX XXXX for XXXX and Clinical Health Act of XXXX ( XXXX XXXX ) as issued XX/XX/XXXX and the penalty rules of the FCRA and XXXX including FACT Act changes final rules effective XX/XX/XXXX.
Product: Consumer Loan

When I applied for an auto loan the loan company took into account the outstanding VA Medical bills on my credit report that are not my responsibility to pay. Thus, discriminating against me as a XXXX veteran when they denied the loan.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MTG 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 EQUIFAX 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
Product: Credit reporting

I have paid this tax lien in 2014 and it is still is on my credit report. It started with an over payment from employment department, which was paid back by taking part of my tax return. My bankruptcy attorney told me this. I have called on this but keep getting the run around.
Product: Debt collection

Basically, my old apartment complex is charging me an amount thats a lie! I have a copy of the lease I also spoke to the credit lady and she stated that was the truth the amount isnt right. They credit company tried to give me a new amount to f pay per phone conversation. The companies is no longer there the apartment have re named and complex no longer have documents. I dont know whats next XXXX $ Original Lender XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

Capital Management Ph # XXXX All creditors have been notified to contact my Debt Settlement Attorney XXXX XXXX at XXXX. 

YET XXXX/XXXX/XXXX Capital Management Called my personal cell and left a voicemail.
Product: Credit reporting or other personal consumer reports

I am writing to express my utmost discontentment with the continued existence of fraudulent accounts on my credit report. Following the reporting of this identity theft, I contacted the bank related with the fraudulent accounts. While they confirmed the validity of the report, they stated their inability to provide records. However, they assured me that the fraudulent accounts would be instantly abstracted. Both XXXX and XXXX have already removed these accounts from their records after distinguishing and rectifying an error. I am at a loss by your confirmation of these accounts when the other bureaus have already removed them. Please delete these accounts from my file, as they are inaccurate, erroneous, incomplete, or unverifiable. 

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

I have n't asked for this company to provide me a debt verification and validation and they have failed to provide me that information the other credit bureaus have removed this off my credit report due to this company sending me several letters indicating that they were going to take this inquiry off of my credit report and that they were no longer going to report anything negative on my credit report they have sent me several letters stating that they were going to take it off of my report and they continuously put it on my credit report I am requesting y'all to ask them to provide you the letters that they have sent to me. I have provided them all of the information that they have requested and I have disputed this several times and Transunion will not take this off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with the CFPB on XX/XX/XXXX in regards to accounts on my credit report being needing to be validated. They stated that these accounts would be deleted from my credit report. You all are still reporting accounts for XXXX XXXX XXXX on my credit bureau and it's negatively impacting my score.
Product: Credit reporting or other personal consumer reports

I have reached out to the following accounts below for several times and talked to them about the issues with my account as reported by the BSI FINANCIAL SERVICES. They have advised me that they will remove ALL the late payments and will correct the credit report accordingly and accurately, however, as I reviewed my recent report the accounts are still reporting inaccurately. I am not sure how the BSI FINANCIAL SERVICES came up with this remark. They have failed to reinvestigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have also attached in this complaint the response from the company to remove the late payments.
Product: Debt collection

XX/XX/2019 I filed a complaint and XXXX XXXX responded from the collection company stating they would offer me 65 % off the balance and I could make payment arrangements if I could not pay all at once. I called and was told by XXXX XXXX they would not comply with that offer.
Product: Debt collection

On XX/XX/2017 I received a letter from Howard Stomel Attorney at Law reference a XXXX XXXX Credit Card account. This letter indicated an amount that was not correct, and I am disputing this amount with this attorney. I have tried to correct this amount in the past with the original creditor, with no success. The total amount owed is only {$13000.00}. Mr XXXX is advocating along with XXXX XXXX that I owe double that, when a settlement agreement was reached for only 50 % of the original debt amount.
Product: Credit card or prepaid card

XXXX XXXX Stay from XXXX - XXXX {$1700.00} We had to stay an extra night due to the storms in XXXX which the hotel was aware of. 
We were essentially kidnapped from hotel that we believe was an inside job with the housekeeping staff. The morning of departure out of nowhere we were taken out of our room and arrested by the XXXX XXXX Our belongings/valuables were taken. We were put into a XXXX jail for XXXX days without food or water and held for ransom without contact with our family. They would only let us out if we paid cash, which we did not have on us. 

The " receipt '' I essentially received in my email from hotel does not match the amount that was charged onto my credit card. The credit card keeps saying that the charge is " valid '' and that I was reimbursed for the charge. They will not provide us any proof of why this charge is valid after asking multiple times. There is no reimbursement on any of the statements and there is no receipt for any reimbursement. Also when I first initially contacted chase- they could not even locate the letter they had sent me saying that I had been reimbursed. I am asking for the charge to be taken off of my bill.
Product: Debt collection

I received a notice in the mail for 4 different collection amounts. I have been disputing this with my insurance and the medical office for over 3 years now. I called today to pay the amount owed but was not willing to pay a ridiculous amount of interest. I explained due to the situation we are in being I'm the only one working and my husband having XXXX  XXXX XXXX XXXX I can't pay the interest but will pay the original amount due. He stated in order to get it off my credit I had to pay the interest, I said ok fine then I will call the medical office where this came from and pay them directly since they don't own the account he said. He then stated I can't do that cause it will not come off my credit. I said if you don't own it how will it not come off my credit report, cause we reported you he stated. He also told me he looked me up and saw what I do for a living so I must know what I'm doing and need to pay them. He also told me he sent me 24 notices which is incorrect. Once I got a hold of the medical biller ( XXXX  ) at the doctors ' office they told me I can pay them directly without interest and they would take it off my credit. I ended up paying the collection company cause they harassed me and told me it would not go away and that they can show the court when we go how many times they've contacted me which is incorrect. I would like the money I paid to them for interest and to take it off my credit report back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. Thank you. 
XXXX XXXX XXXX XXXX XXXX late open 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: Debt collection

This is my XXXX  complaint to this agency for the account number XXXX. They claimed that I have an obligation to pay them due to a contractual agreement however they have not provided me with any evidence of said contractual agreement, only fictitious billing statements. Additionally, in response to my previous complaints, they claimed that they have given me an initial communication on XX/XX/year>. Please see attached. In order to comply with the procedures stated in the Fair Debt Collection Practices Act, they are required to provide an initial communication with a consumer. I do not recall receiving such communication. So I am now demanding that they provide me with evidence of said communication. Please provide me with the XXXX XXXX number and the green return receipt bearing my signature of said initial communication. They have already failed to accurately verify the alleged account by providing the entire purchase agreement. If they can not provide me with evidence of the initial communication as they claimed, then they are admitting to violating the Fair Debt Collection Practices Act. Furthermore, this would also be a violation of the Fair Credit Reporting Act as they have knowingly and willfully furnished unverifiable information to consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Create In accordance with the fair credit Repo act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have right to privacy.

15 USC 1681 Section 604 A Section 2 : also states a consumer reporting agency c furnish a account without my written instructions.

15 USC 1666B : A creditor may not trec payment on a credit card account und open end consumer credit plan as late purpose.
Product: Student loan

A letter dated XXXX stated that the company MOHELA had " transitioned to our new student loan servicing platform ''. 

The letter stated, in a paragraph titled " We Placed a Forbearance on Your Loans '', that my account was " past due from XXXX days during the transfer process ''. THIS IS ERRONEOUS AND DEFAMATORY. 

It appears through intentional or unintentional mechanisms, MOHELA has created a past due event in my account even though my account should be in continual forbearance until the resolution of the XXXXXXXX XXXX XXXX settlement.