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

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX Balance : {$600.00} XXXX XXXX Balance : {$430.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

I have called for a week and a half and can not get someone on the phone. The line plays elevator music and says someone will be on and then no one answers. 

Ive put myself on the call back list several times, no call back. Ive waited in line. All I need to do is set up my account to I pay something per month, ANYTHING. Youd think they want to answer so they can get a payment from me. 

I literally cant solve this issue by reading the website. Id solve it directly with the company if I could get on the phone with them. 

Ive submitted an email to them repeatedly, and Ive called multiple times. In total Ive been on hold for nearly 10 hours and Ive put myself on the call back list about 5 times.

They are closed right now and Im still on hold listening to elevator music like someone is going to answer the XXXX line. I cant be up ALL night for this. I work from the hour they open to the hour they close and I can not get them to answer.
Product: Debt collection

GS Holdings in NY called me last week and demanded I pay a debt and threatened that papers were filed to sue me. I gave them my debit card after they told me they would send verification that I paid and the debt was cancelled as soon as my card went through. They immediately took {$1000.00} out of my account..I never received any verification letter ( they were supposed to email it ) .I waited 5 days and no letter so I contacted my bank and they reported it as fraud. I realized I was scammed. One week later a man named XXXX XXXX the director of operations so he said, called and started threatening me because I cancelled the payment and reported it. He started screaming at me and threatening me. I told him to stop yelling at me that he was not my father and he is unprofessional. He screamed " You sound like my wife '' ... .I told him I talked to my lawyer and my lawyer said to have GS holdings call him call him. The man started screamed at me again and then hung up. I tried to call the number back and it said the number was unavailable. That is definitely fishy, why would a legitimate company not have telephone that worked? And they called off different numbers but all from XXXX XXXX My lawyer said debt collectors can not call you and they can not yell at you or threaten you. He told me to absolutely not pay it, he thought it was a scam!! They should be shut down!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 XXXX XXXX
Product: Credit card

I need to inform you I was the victim of identity theft. I'm disputing this account as they were opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. KOHLS/XXXX XXXX XXXX.
Product: Credit card or prepaid card

My 2 Visa credit cards with BBT were stolen when I was in the hospital with the Covid virus. I called BBT 's customer phone line and their dispute phone number and they have not responded to my disputes with charges that were not mine. They sent me new credit cards and they reversed small charges but they did not address the large fraudulent transfers that were made, They seemed very disorganized and I a ma getting nowhere with them by phone. I sent them a Certified letter and I am complaining to you, This involves 2 Visa credit cards as follows : XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to the companies and the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means they have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 SECTION 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681C. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

back in XX/XX/2018 I contacted XXXX, XXXX   and Experian sending them copies of affidavit that these debt was a result of identity theft I do not recognize the accounts on my report and it needs to be removed from their records and any reporting agency that they have shared it with and it be permanently blocked .... I have not been able to get a response ... then I mailed all of them again registered XX/XX/2018 I have had numerous accounts opened from fake addresses from my identity being stolen this is my last attempt to reach out to get this resolved
Product: Debt collection

NationStar DBA Mr. Cooper Charges you for monthly inspections on homes that are less than 30 days delinquent ( they have 15 day grace period ) No inspections are EVER done! ( Iknow, b/c I AM also an inspector for these services. I also know firsthand they give sensitive information to minors at these homes. As I was witness to the only actual inspection I ever saw take place. 
, and that particular homeowner was less than 30days past due. I have inside information that there are multiple accounts where funds are being misrepresented and fees are being charged for services that are false they spam consumers with ROBO calls multiple times a day despite homeowners requests & / or filings that these calls are not necessary or rightly due.
Product: Debt collection

XX/XX/16 I sent a certified letter to this company disputing this charge and demanding validation of this debt - they did not send prof of debt with this company, they sent something with a different company.
Product: Credit card

On approx. XX/XX/XXXX an order was placed with a XXXX. On XX/XX/XXXX merchant informs me that I need to purchase additional items for what is advertised as a complete set. I initially told them yes when they asked me on the phone, out of confusion and less than XXXX hours later I told them that seems like false advertising, please cancel the order. 

The item is advertised as a full and complete set, and so because its falsely advertised in pictures and description I thought that seemed very odd and wanted to take my business elsewhere. The company charged me twice. {$3100.00} and {$540.00} totalling {$3600.00}. 

XXXX then replies we can only refund this amount : {$1000.00} This is because they're predatory return policy states : you are responsible for an estimated XXXX  XXXX return shipping fee + 15 % restocking fee. Resulting in a 71 % restocking fee! 

I disputed this charge with Chase bank, I provided all evidence and correspondence of trying to work it out with the merchant. Chase bank decided that this was ok, and charged me the total of {$3600.00} claiming the charge was valid. 

Chase did not provide at least the remaining return which according to that predatory restock policy of 71 % fee, should have been at least {$1000.00} and an additional {$540.00} that XXXX said they would refund that is also documented via email to me. 

The XXXX fees and policy are predatory to consumers and there is an outstanding amount of complaints to the BBB including reviews of the company. I only had wished I read them before hand. This is common practice by this company and they are hurting consumers who have no protection from their credit card companies. I had expected Chase Bank to resolve this dispute in favor to me the consumer based on the evidence provided, and the sheer ridiculousness and unfairness of that restock fee. 

Thank you for taking the time to read this. 

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

I XXXX XXXX consumer, natural person, living person is giving written instructions to XXXX to remove and cease furnishing any and all reporting activities in regards to the accounts above.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Georgia XXXX Social : XXXX DOB : XXXX To whom it may concern, Please remove the fraud alert that you have on my credit file, this fraud alert should not be a part of my credit file. Please send me an updated copy of my credit file to the address listed above, thank you in advance. 

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

I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXXXX/XX/year> {$0.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Debt collection

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.
Product: Credit reporting

To whom it may concern, Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the numerous written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite numerous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Also, I received a letter stating I contacted transunion to add a 90 days initial fraud alert on my account. That is a LIE because I never contacted anyone, I have only been disputing the unverified accounts so you decided to place the alert on my behalf without my consent, which is against the law. I am requesting for the fraud alert to be removed immediately I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX Unverified account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account Suntrust XXXX Unverified Account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XX/XX/2019 and I did not authorize them to make an inquiry on my credit report. I will to have them send me proof of authorization or delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE ALL INCORRECT PERSONAL INFOMATION. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX - Incorrect XXXX XXXX XXXX - XXXX XXXX, XXXX, XXXX - Incorrect XXXX - Incorrect XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I am a victim of identity theft.
Product: Credit card or prepaid card

On XX/XX/18 I received an email stating that my old credit card had been declined. SEE BELOW FOR A PARTIAL OF THE EMAIL : Dear XXXX, We noticed your recent purchase with your old Walmart Mastercard was declined and we apologize for any inconvenience. Your purchase was declined because that Walmart Mastercard was  deactivated on XX/XX/2018. 
We sent you a new Walmart Mastercard in the mail recently. Simply activate your new card today to start shopping and avoid any more disruptions. 


When I called to tell them I had destroyed the old card so it was not possible for me to have had a purchase declined nor do I ever use my new credit card, they admitted the email sent didn't mean I had actually used my old card. They further explained that it was sent to encourage new activity on my new card. So basically they had just lied about my old card being used to encourage me to use the new one. I feel this was extremely deceptive and caused me to fear that my information had been compromised when it fact it was just a lie for them to scare me into using my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that all companies that I don't have business with, provide a validation and a legitimate reason why they have access to my personal business information. If there is no claim against me or no account please remove the Fraudulent Inquiries off my Consumer Report. It is causing harm to my person, as well as stopping me from getting a Fair Credit reporting. I would like to ask for a validation from All credit bureaus immediately. It is my right as a consumer to challenge anything that I deem to be inaccurate.
Product: Credit reporting or other personal consumer reports

I have disputed this account through all bureaus, XXXX deleted this account on my first attempt after finding errors, and incorrect information. XXXX deleted it on my second attempt after investigating for less than 24 hours the first time, and kept it on my report. To which I disputed it AGAIN demanding a thorough investigation to find the inaccuracies that were inevitably there. After about 2 weeks XXXX also deleted this account from my report. Here I am complaining about Transunion for " investigating '' and stating that its correct without ANY proof of this. I have gone in circles with this account from being mailed letters with a different first name but my same last name, completely off the wall amounts more than what is reported, I received a letter from credit corp stating this account was from XXXX, when its reported that it was XXXX. It ridiculous companies can get away with things like this, doing detrimental damage to my report. I'm asking that this account gets deleted once and for all. I am aware of the lawsuits against XXXX as well as XXXX and I don't think it would be a bad idea to investigate Transunion as well.
Product: Vehicle loan or lease

The purpose of this hardship letter to explain XXXX XXXX and XXXX XXXX position of the hardship that occurred with a collision with the negligent driver. On XX/XX/XXXX XXXX XXXX was actively working as an XXXX XXXX XXXX XXXX and was the victim of a negligent driver performing an illegal traffic stop according to the local police report. As a result of the collision the car was deemed a total loss. XXXX spoke with a Wells Fargo representative on the issue of deferment after realizing there was no gap insurance to help cover the remaining balance. XXXX was advised not to defer and wait for the responsible party to cover the damages. On XX/XX/XXXX I spoke with agent XXXX # XXXX and requested a call back with a supervisor to negotiate the charge off and the impact on credit that did not happen within the time agreed. I called back and spoke with a supervisor with the option of a settlement plan. We agree with the settlement plan but the back dating of credit reporting we do not agree for the reason of the direction given by a Wells Fargo agent not to defer, we did not have possession of the vehicle, loss of supplemental income that was used during the application of the loan and financial hardship when XXXX could no longer work. I have included a letter of representation from the attorney. Thank you for your time.
Product: Mortgage

I went through a home modification in XX/XX/XXXX. XXXX sold my mortgage to Nationstar Mortgage. Nationstar tends to go up every year and I have a fixed rate. I asked why and the representative stated the taxes are going up. When I get my notice from the tax assessors ' office, the taxes were going down but the mortgage was constantly going up. Lately whenever I try to lower my rate by refinance, streamline, or any type of service, they say I do n't qualify or you need to wait a year. When the year is up, the hit my credit stating I am late. Recently I paid my mortgage and the representative stated I was late and I know I was n't. she stated that by the time it posted to my account on their end, it was late. I told her that I have no control over their posting system but I should n't have to suffer for their error. My mortgage went from XXXX to in XX/XX/XXXX XXXX. I told the representative that this mortgage is getting to be ridiculous. The representative asked why am I complaining? I told her I was complaining, I was merely mentioning the practice of this organization. She laughed. I have not done any additions or modifications to this property. To me it seems like this company price gauge the property to keep customers locked in to them. Businesses should understand that word of mouth goes a long way and they should n't abuse the customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report.