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

I submitted documents to dispute errors on my credit report due to Identity theft, which included dispute form, FTC Identity theft complaint form, police report and copy of drivers license and social security card which were notarized. I have complained against Trans Union in the past they also have refused to answer call in reference to this issue. I received a letter from them dated XXXX saying that my FTC Identity theft report is invalid because it lacks more information. This is a delay because the documents sent we're specifically mentioning accounts being disputed. This has caused my credit to continue declining as well as my personal finances taking a hit due to their negligence. I sent these items on XXXX certified.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, a financial institution and furnisher of information, along with EXPERIAN, a consumer reporting agency, have willfully failed to comply with federal regulations by misusing my consumer report regarding account number : XXXX. 12 CFR 1016 ( Regulation P ) regulates and protects the privacy of consumer financial information. 12 CFR 1016.16 regulates and protects the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 12 CFR 1022 ( Regulation V ) Appendix M regulates and specifies obligations of furnishers of information to consumer reporting agencies under the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 

I, the consumer, have been adversely affected by XXXX XXXX XXXX and EXPERIAN being willfully noncompliant with the proceeding federal regulations. 

12 CFR 1016.16 regulates 15 U.S. Code 1681 section 602 which states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' My privacy is being violated by the misuse of my consumer report. 15 U.S. Code 1681b section 604 states In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX  and EXPERIAN do not have my consent to furnish said information, and I have never given them written or verbal consent. Any implied consent is revoked. 

12 CFR 1022 Appendix M regulates 15 U.S. Code 1681a ( 2 ) ( A ) ( I ) which states " Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; IRS Publication 4681, Chapter 1 regarding canceled debts states that a canceled debt is considered ordinary income, which is taxable. This charge off is taxable income and not to be included on a consumer report. 15 U.S. Code 1681s-2 states 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. XXXX XXXX XXXX  and EXPERIAN are willfully misusing this information on my consumer report. 

12 CFR 1022 Appendix M regulates 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) which states Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. XXXX XXXX XXXX  and EXPERIAN have been willfully noncompliant by continually misusing my consumer report after I filed a complaint. 

12 CFR 1016.7 states, A consumer may exercise the right to opt out at any time. I am opting out of any and all of your reporting services. 

My intent is to sue if said issues are not resolved.
Product: Debt collection

FACTS : withXX/XX/XXXX for 12 Years. <P/>Every Two Years Had to fight to keep my bill from Spreading like ....
I am extremely disappointed in the " 100 % Bill increase each and every two years, '' they try to get over on consumers. This is very bad business practices disclosed or not. <P/>Before my contract is up I have to tell XXXX, I am leaving in order to get back a closer rate. My contract was coming to an end back in XX/XX/XXXX I had called them several times before that date to try to get my bill under $ XXXX month. <P/>When I saw XXXX XXXX ad and I left forever. It was exactly what I was experiencing with XXXX. <P/>I Switched over to XXXX - ( No Contracts ) I was send to Convergent collections for Agreement/ Contract breech by XXXX . <P/>I requested the Tape Recordings from XXXX on the day that they claim I was locked in another 2 years. I called XXXX yesterday and was forwarded to collections. I gave my personal information to Convergent Including my SSN to stop this matter on XX/XX/XXXX. Convergent told me I was not in the system on XX/XX/XXXX. <P/>
The next day XX/XX/XXXX I started receiving calls from Convergent. I was told they are attempting to collect a debt. I told them do not call me ever again but rather put it in writing only. Additionally, I told them dispute the amount and that I wanted proof of the contract by tape recordings with XXXX. I 've asked XXXX on four separate times for the proof of contract extension. <P/>I filed a BBB complaint yesterday when this still went unresolved. New York BBB. Complaint # XXXX on XX/XX/XXXX I will sue in small claims court each party separately if this matter is not closed. <P/>I am documenting each step of the way as I build my case against XXXX and the Collection company if need be. Please let both companies know there potential liabilities. <P/>Respectfully Yours, XXXX XXXX
Product: Credit card or prepaid card

An unauthorized charge dated XX/XX/2018 was made in the amount of {$1800.00} XXXX. I took a taxi from the airport to a downtown hotel and the flat fee was {$40.00} plus I added a {$8.00} tip to the card reader. The taxi driver apparently swiped my card to another device which captured my account number from the magnetic strip. After I left the taxi the taxi driver drove to a location 1.3 miles away and canceled my original transaction and manually entered my credit card number and charged me {$1800.00}. The taxi driver used XXXXXXXX XXXX to process the fraudulent charge. XXXXXXXX XXXX provides for signatures to be recorded by an electronic device such as a tablet and generates a receipt with the location of the transaction indicated on a map. The taxi driver forged my signature on a fake receipt using XXXX XXXX. 

I received an alert from American Express about the charge which I noticed early on the morning of XX/XX/XXXX and I contacted American Express to tell them that it was a fraudulent charge. XXXXXXXX XXXX sent American Express the fraudulent receipt forged by the taxi driver and closed my dispute and told me that in their opinion it was not a fraudulent transaction and that I needed to resolve the over charge with the merchant myself. 

The charge to my account is listed as from XXXX and XXXX. I can not find such a company on the internet and assume it is not a legitimate business. I requested in writing that American Express provide me with the legal name and address of the entity charging my account so that I can file a report with the police. American Express ignored my letter and just sent me form letters. I called on several times and requested this information and was told that they could not provide me with the legal name of the merchant.

American Express does not investigate fraud and does not provide any customer service in dispute resolutions. I can not get anyone at American Express to look beyond the fraudulent receipt provided by XXXX XXXX.
Product: Credit card

On my XX/XX/XXXX sears Mastercard a charge for appered dated XX/XX/XXXX. XXXX for {$230.00}. As soon as I received the XXXX statement I filed a dispute stating I was not responsible for this charge. The charge was then credited to my account on XX/XX/XXXX, pending review of the dispute. 

However, the charge for {$230.00} reappeared on my XX/XX/XXXX statement with the date of XX/XX/XXXX. I contacted sears Mastercard customer service to inquire as to why this reappeared and was informed they sometimes put the charge back on pending final review. I was assured when the review was completed, this charge would be removed. 

On XX/XX/XXXX I received a notification from sears Mastercard that this dispute dated XX/XX/XXXX had been resolved and a credit had been issued on XX/XX/XXXX. There was no mention of the reinstated charge of {$230.00} which appeared on my XXXX statement, dated XX/XX/XXXX I then contacted sears Mastercard and was told that I was correct and the second charge should be removed. However, I was told the dispute department had closed the dispute, because it had been resolved in my favor, and they could not look at or reopen the dispute. They also said I couldn't call the dispute department to discuss and said the only way to resolve was to write a letter to the dispute department and request reopening of the original dispute. That letter was sent in XXXX of XXXX. 

To date, I have received no response to that letter. I have called 5 times requesting an update to the status on this dispute. When contacting customer service everyone agrees that the reinstated charge should be removed, however, no one can contact the dispute department. I was told by XXXX supervisor in XXXX, after he reviewed all the notes, that he would send a message and this would be resolved in XXXX business days. After no credit was issued, I called back and requested a supervisor again who informed me she basically could not help me. 

This initially occurred in XXXX of XXXX. Mastercard agreed this dispute was valid in XXXX of XXXX. It is now almost XXXX and I have not received ANY communication from sears Mastercard on this dispute and have not received the removal of the re-applied charges on my credit card.

attached letter from Mastercard validating dispute but only removing the XXXX charge, not the charge they reinstated in XXXX. 

my letter to sears Mastercard dispute requesting re-opening of this dispute per the instructions of the customer service supervisor from Mastercard.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have credit with any of the following companies. These are showing up as hard inquiries on my credit report and they need to be removed. 

On DateXXXX XXXX XXXX and XX/XX/XXXX CompanyXXXX XXXXXXXX  DateXXXX XXXX XXXX  CompanyXXXX XXXX XXXX DateXXXX  XXXX, XXXX  CompanyXXXX, XXXX XXXX XXXX, XXXX CompanyXXXX XXXX
Product: Debt collection

I.Q. Data International, inc.  sends multiple letters regarding inaccurate and invalidated information 
$XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ending with XXXX XXXXXXXX XXXX XXXX XXXX
Product: Mortgage

My daughter passed away on XX/XX/XXXX ; as a result, we needed to refinance the mortgage of our second home ( she was on the title ). Upon refinance, Ditech issued 2 checks and sent them to the property address ( renters were living in that residence and they did not provide us with the checks in a timely manner ). The 2 checks totaled {$3400.00} ( 1 check for {$1100.00} was an escrow refund and the other check in the amount of {$2200.00} was disbursed from a suspense account ). We did not receive the checks until roughly a year later when tenants vacated the property that was refinanced. 

I have contacted Ditech a total of 9 times as detailed below : XX/XX/XXXX - spoke with XXXX ( employee # XXXX ) - she said they would reissue the checks in XXXX 's name and we never received them ; XX/XX/XXXX - Spoke with XXXX XXXX - he indicated that I had to supply them with a death certificate, which I did ; XX/XX/XXXX - Spoke with XXXX in the XXXX, AZ, extension XXXX, and she told she was putting in the check re-issue request ; XX/XX/XXXX - Spoke with XXXX and she indicated that they needed to ensure the checks hadn't cleared - it would take 24 to 48 hours - she would follow up and let me know if things were moving forward - I never heard anything. 
XX/XX/XXXX - Spoke with XXXX and got the same stories ; asked to speak to a supervisor ( XXXX XXXX at extension XXXX ) and I was assured a call back once they had confirmed the checks had cleared ... I never heard back. 
XX/XX/XXXX - Spoke with XXXX and was given the same information that I received on XX/XX/XXXX - was told that while the request was initiated, it was submitted. I was assured that the checks would be reissued once the request was submitted ( XXXX said she submitted while we were on the phone ). 
XX/XX/XXXX - did not get the name of the individual I spoke with ( accent was too thick to understand ) - was told that the request was " in process '' XX/XX/XXXX - spoke with XXXX ( Employee ID  # XXXX ) - was told that they would reissue the checks once confirmed that they had not been cashed. 

I have called this organization 9 different times and keep getting the runaround.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following unauthorized inquiries from my credit report. I am a victim of identity theft, and these inquiries were made without my authorization. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am requesting the removal of these items from my credit report. 
Fraudulent Inquiries : 1. Inquiry Name : XXXX XXXX XXXX Date : XX/XX/XXXX 2. Inquiry Name : XXXX XXXX XXXX Date : XX/XX/XXXX To support my claim, I have attached the following documentation : A copy of my government-issued ID for verification. 
Proof of my current address ( utility bill or bank statement ). 
A copy of the police report documenting the identity theft incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has numerous inquiries on my Equifax ( XXXX XXXX XXXX XXXX ) report. Also an attorney has requested information on my employment. I do not nor did authorize them to inquire on my report. Unless they have my approval I want No one looking at my employment history Furthermore XXXX XXXX  never had my authorization to report back in XXXX nor did XXXX XXXX  have my permission in XXXX The only place is XXXX XXXX and I want top limit my report to just 1 year of reporting not 4 years of bimonthly salary. My salary should never be available for the world to see I tried to call Equifax workplace 4 times and they had me on hold for an hour each time which is unacceptable as well I want all items over 1 year cleared from my account along with and inquires by unauthoirized people denied concerning my XXXX   XXXX XXXX Account
Product: Debt collection

Ive found numerous accounts on my recent credit report that seem to be added without consent. I request immediate removal and blocking of these fraudulent entries.
Product: Credit reporting

XXXX, XXXX, and Experian are reporting XXXX XXXX account that was apart of Identity Fraud XX/XX/XXXX-XX/XX/XXXX. XXXX XX/XX/XXXX-XX/XX/XXXX paid out a Identity Theft claim for the XXXX account for Identity Theft. I have know knowledge of this account being reported. Requested the XXXX Credit Bureaus to provide physical documentation mailed to me, to support this account without any documentation sent to me. I have to confirm the Credit Bureaus physical documentation with the XXXX claim documentation.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the Consumer Financial Protection Bureau 's intervention in a matter that has significantly affected my financial health and peace of mind. This involves incorrect reporting of XXXX accounts by XXXX and associated mismanagement by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with both accounts erroneously appearing on my credit report. 

Despite my efforts to resolve this through the dispute mechanisms provided by the credit bureau, the information continually returns as " validated, '' even though no conclusive documentationsuch as a copy of my signature or proof of my authorization to open these accounts, or evidence of any transactions madehas ever been provided to me. This refusal to provide documentation and proper verification directly contradicts the requirements stipulated under the Fair Credit Reporting Act. 

Additionally, it is critical to highlight that both accounts were written off and reported as income through 1099 forms. As these debts have been canceled and recognized as income, they should not continue to be listed as consumer debts on my credit report. The failure to remove these items not only contravenes credit reporting standards but also continues to unjustly degrade my credit score. 

Given the severity of these inaccuracies and the direct impact on my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan was sold to XXXX XXXX XXXX at approx. the end of XXXX. My loan stated I did not make the first payment on XX/XX/XXXX which I did to the previous loan holder XXXX XXXX. Numerous attempts to correct the payment discrepancy went unfix by XXXX XXXX Only until threating a lawsuit did loan care state they would investigate. My credit was hurt by false reporting of XXXX delinquent payment when I provided proof of payment through my bank statement and XXXX XXXX documents. I have not been able to apply for any loan due to my credit score dropping 100+ points along with my mothers credit score. I was still in the 60 day reprieve window for a loan being sold and protected under RESPA. Loan care violated federal law.
Product: Mortgage

I am writing to you about a discrepancy on the final amount owed on my mortgage. I have emailed the company several times and have had several phone calls about this. I started emailing them two years ago about the amount owed at the end of my loan. Somehow {$4700.00} got tacked on the end of this loan. This {$4700.00} is our discrepancy ; I tried to pay my last payment of {$600.00}. They told me I could not pay my payment until the investigation was done. In XX/XX/XXXX they had to look into this further. I have been in constant contact with the company ( weekly )  to get this resolved. I have documented all of our conversations. I was told in XX/XX/XXXX it should be resolved XX/XX/XXXX called and they said they were still investigating it, give them till XX/XX/XXXX. called them today, they said " to be patient '' they have assigned this to a escalations team. I am getting collection calls from their collections department asking why I am not paying the payments, I told them it is being investigated you can see it in the notes. They said this is not being investigated that they sent me a letter saying it has been resolved, ( I never received a letter ) and the company that had my mortgage before them has gone out of business and that I owe the money to them. I was told that today by XXXX XXXX XXXX, he wouldn't give me his last name, said he doesn't give his name to strangers. I have been given several supervisors being told the others are not available. They keep saying it is being worked on. My payoff date for this mortgage was XX/XX/2018. I am looking to find what steps I can take to resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XXXX, I disputed this account with experian and asked to company to validate, not verify the account They did not Therefor I want this removed from all the credit agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some late payments that I was advised that I could get removed from my Credit Bureau by one representative. They sent a letter stating that they will not do it. this comes after the person told me that I was able to have the late payment marks removed.
Product: Vehicle loan or lease

I called Truist Bank 3 times and was repeatedly hung up by a female ( same one 2x ) and a male 1 x. 

I explained i was having a financial hardship and I needed an extension. The first time the female hung up on me when i called back she hung up again. When i called again i got a male voice who took my information I explained the issue I was having and that the female hung up on me. At that point he said I'm going to put you on a 2-3 min hold and then he hung up. I could hear laughing in the background. 

the 4th time I called back I asked to speak to the manager. I got a woman name XXXX who said that they would do an investigation. I still did not get the extension even though I explain we were going through a financial hardship and there was a loss of income in my family. 

The bank showed they didn't care and were not willing to help or work with me and just repeatedly hung up. Im trying to avoid a repo. and I was just 37 days past due. 

It was the worst display of customer service I have ever experienced by a bank. If they are not willing to help their customers. I will find another bank who is.