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

I was checking my credit report and these accounts still on.. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed
Product: Credit reporting or other personal consumer reports

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : However, they stated evervthin " " `g was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 instructons 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 tan 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 modity accounts tat isnt reporting correcuy. 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 ZA instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 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. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$590.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

please removed these accounts 1. Identity Theft XXXX XXXX XXXX Case Number : XXXX This is not mine. 

2. Identity Theft XXXX/XXXX  XXXX Account Number : XXXX This is not mine. 

3. Identity Theft COMENITYCAPITALXXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine.
Product: Checking or savings account

I have an account at Capital 1 Bank and every month there is some scam transaction that goes thru my account. So there was a XXXX account listed as a transfer account but I didn't have a bankcard with account. I tried to see what atm card belong to this account so I made a Mock transfer of XXXX. Figuring if it was some one account that would get their attention, it wasn't suppose to go thru. But Capital1 in their unremarkable quest for their " Scam '' alerts let a {$99.00}. atm transaction through. Making my account overdrawn. The transaction went back to XXXX without finding out what atm account it belong to. 
So now I'm transferring my account because they have frozen my social security check and made it so I can't pay rent. They did this in retaliation for my leaving. There has been NO explanation on their part. And I want the hold lifted so I can get my funds and put my money were it's safe. 
This is wrong to deny a Social Security recipient of their money.
Product: Vehicle loan or lease

Vehicle was repossessed in XXXX of 2016. I paid all fees and totaling over {$3000.00} and received vehicle back. In XXXX of 2016 arrangements were made with company to settle remaining loan terms. Company accepted payment and still reposses vehicle after arrangements were made. After repossession occurred company stated that vehicle could not be received back to due Georgia laws stating that a vehicle could not be repossessed and retrieved back twice in a twelve month period. The vehicles loan title and tags originated and were current in the state of Maryland. Company never sent information regarding date of sale, amount owed or the whereabouts of vehicle as promised. Company is now trying to collect on vehicle loan amount after auction. I was never given the opportunity to purchase vehicle back after paying on car on time for over three years.
Product: Payday loan, title loan, personal loan, or advance loan

Sezzle advertises interst free loans, however, they make their money on several fees. I was aware of most fees but one fee they are charging is very predatory because they don't allow you to turn off Auto Pay. This fee is known as the " failed payment fee '' I leave my debit card turned off for safety, as it has been stolen several times. If a sezzle payment is due on 10/3 ( for exampel ) you can't turn off the autopay so they charge the card in the middle of the night US time. They claim this is because they do it based on UTC time, however, I feel they do it this way to charge extra fees, knowing people 1. ) Won't be paid in the middle of the night as payments usually hit in the XXXX 2. ) People wont know when to turn their cards on and off so they charge in the middle of the night Even if I wake up and make payment at XXXX, its not considered late so they don't charge a late payment fee BUT they charge the {$5.00} failed payment. This can cause fees way over the legal interast rate on these loans. I have personally paid 4 or 5 of these " failed payment fees ''. If you are able turn off autopay to prevent these fees, it wouldn't be an issue but they don't allow this unless you send in forms to revoke payment I am also attaching my revoked payment form just to document it
Product: Debt collection

This account was deleted on my XXXX  credit report and this company illegal got it place back on there and I have proof they keep harassing me today I contact my lawyer to file a lawsuit against them due to the fair credit act this is illegal and they need to be handle accountable for this
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Debt collection

I 've been checking my credit score weekly, for the past few months, because I want to purchase my first home. When I checked it 3 weeks ago, I noticed that I had 3 new derogatory remarks from a debt collection agency. I called the agency, XXXX XXXX, to learn that they have reported an emergency room visit to XXXX hospital from 5 years ago, with 3 separate charges, and posted the date of the negative accounts with the current month and year. I tried to tell the representative that I did n't receive any notifications from them, nor the hospital, and I did n't owe anything on these accounts. He kept reading a prompted script, & would n't acknowledge what I way saying. I know I do n't owe XXXX hospital for any past services, because the last few times that I 've been there, they have me fill out paperwork stating that I 'm low income with XXXX dependents, and that qualified me for their medical assistance program.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and misleading things on my credit report. To this day, over 30 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored in my disputes. In Section 611 ( a ), it clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has now been 31 days so they should be deleted at once. I demand these items be deleted immediately or I will file for litigation due to the harm and stress Ive been subjected to. My information was also impacted by the Equifax data breach and I fear it may have gotten into the wrong hands.
Product: Debt collection

Conn Appliances Inc has contracted with Scott & Associates PA for the purpose of debt collection. I have been sued in court for a debt they say that I owe. The contract copy provided has information that I have no knowledge of and it makes up a significant portion of the amount they claim that I owe. The alleged debt is from a few years ago, but they had zero contact with me regarding this debt prior to XX/XX/2020 when I was served with court papers in the middle of a pandemic. I have attempted to contact XXXX XXXX XXXX via the contact information they provided in court papers, requesting more information on the debt, contract terms, possible resolutions, etc. and they will not return my messages. They continue to send letters in an attempt to collect, offering to reduce my alleged debt by varying percentages - from 10 % to as much as 60 % in the time since they have sued. They provide a portal on their website to request a hardship agreement, which I have also submitted, due to the fact that I have been unemployed for a year due to covid, have XXXX assets to even satisfy a judgement if I wanted to, etc. I have requested the opportunity to resolve outside of court, etc. and they will not communicate back to me. It seems they falsely claim to want to work out arrangements, provide hardship assistance, etc. but they do not actually follow through on those offers.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX Transunion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX My XXXX & Last name are as follows : XXXX XXXX My Current Street Address is as follows : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, NJ XXXX After reviewing my credit report, I have found an inaccurate addresse that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right, for any names and addresses other than what I have listed above and belowbe removed immediately as they are not accurate and untrue. 

My First & Last name are as follows : XXXX XXXX My Current Street Address is as follows : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, NJ XXXX After you have completed my request, please send me a copy of my credit report reflecting these changes. 

Thank You
Product: Debt collection

I was called at my place of employment and I returned a call on XX/XX/XXXX. XXXXXXXX XXXX XXXX. Verbally requesting that they no longer call my place of employment. I then received another call at my employment on XX/XX/year> from the same individual at XXXXXXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citi bank ( CBNA ) did hard inquiry on my account on XXXX XXXX XXXX. I did not apply or even try to get their service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've disputed a XXXX debt with Experian, XXXX, and XXXX more than once this year. I made them aware of the XXXX 's agreement to cease collection. This debt apears on my XXXX credit report through two creditors, collecting the same amount. I would like this debt removed from all three credit reports.
Product: Debt collection

I received a notice from " Financial Recovery Services , Inc. '' on XX/XX/2019 stating that I owe {$420.00} charged on a XXXX XXXX credit card. I haven't used a XXXX XXXX Credit card since I cut up the card 10 years ago. I think this is a scam company that is using my credit info to fraudulently get money from any victims that will oblige them. Please advise me as to what I can do about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX De XXXX XXXX XXXX XXXX, California XXXX SS XXXX  : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute and request the removal of certain items on my credit report that I believe are in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Fair and Accurate Credit Transactions Act ( FACTA ), the Truth in Lending Act ( TILA ), the Real Estate Settlement Procedures Act ( RESPA ), the Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ). 



Upon reviewing my credit report, I have identified the following issues : Unauthorized Credit Inquiries : a ) XXXX - Date of inquiry : XX/XX/XXXX b ) XXXX - Date of inquiry : XX/XX/XXXX c ) XXXXXXXX XXXX - Date of inquiry : XX/XX/XXXX d ) XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX e ) XXXX - Date of inquiry : XX/XX/XXXX f ) XXXX B - Date of inquiry : XX/XX/XXXX Under the FCRA, I have the right to dispute and request verification of these unauthorized credit inquiries. I have no recollection of authorizing these credit pulls, and I demand their immediate removal from my credit report as they are negatively affecting my creditworthiness. 



Incorrect Personal Information : a ) The following address is incorrect : Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX b ) The following address is incorrect : Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The FCRA and FACTA grant me the right to have accurate and updated personal information on my credit report. I request that you promptly remove these incorrect addresses from my credit report to ensure its accuracy. 



In accordance with the FCRA and TILA, I also dispute an account that is not mine. The account details are as follows : Account Number : I demand that this account be thoroughly investigated, and its information be removed from my credit report as soon as possible. 



I urge you to take these matters seriously and conduct a comprehensive investigation as required by law. Under the FCRA, you have a duty to investigate and respond to disputes within 30 days of receipt. Therefore, I request that you provide me with a written confirmation of the investigation 's completion and the actions taken to rectify these inaccuracies. 



Failure to comply with the above-mentioned laws and to address my concerns within the stipulated timeframe will leave me with no choice but to seek legal remedies to protect my rights under the FCRA, FDCPA, FACTA, TILA, RESPA, ECOA, and FCBA. 



Please provide me with your investigation results at your earliest convenience. I can be reached at the contact information provided above. Thank you for your attention to this matter. 



Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I purchased several items from Nordstrom, the company that I have my Nordstrom visa credit card with. I returned some high value items in the mail, which has never been a problem. One box contained over {$2000.00} worth of merchandise. Another contained a XXXX watch totaling {$2300.00}. I have my tracking information that shows the date the first box was received by their agent, which was on XXXX 8over a month ago. The second box has been with their courier since XX/XX/XXXX. Nordstrom always refunded my money to my credit card after 14 days of no movement with the carrier. 
Now, without any prior notice, they told me that I have to wait until they receive the items. That is unacceptable. I can not wait in perpetuity for their Carrier to hand them my returns. This is an issue they should take up with their Carrier and they should not be taking this out on their customers. Not only is my credit score going to suffer because Im not paying them for items that are now in their control, Im also being charged interestits like 20 % interest! That is just unconscionable. I should not be paying interest on items Ive returned to them WEEKS ago. Im sure theyre doing this to other customers. Ive tried to call multiple times to resolve this and even spoke to their supervisor who leads their investigations and financial services. He said they would not refund my money or even stop interest from accruing on amounts in dispute. Consumers should know that Nordstrom is no longer honoring their hassle free return policies and placing the burden on consumers for their incompetent courier services. 

What can I do to stop this?
Product: Mortgage

My home with a Mortgage through Seterus Inc. went through foreclosure in 2011. It was sold at auction in XX/XX/2011. My account with them shows a balance of over {$160000.00}. on my credit report. After contacting them 4 times in a span of over 2 years and requesting that they update my account standing with the credit bureaus they have done nothing! They tell me over the phone that my balance is {$0.00} and I am no longer liable for the property, but they have not reported it to the credit bureaus and I can not get any documentation from them saying I am not liable. They are terrible to deal with on the phone and will not do anything to correct this misinformation which is holding me back from improving my credit situation and quality of life.
Product: Mortgage

I have an issue with predatory lending. The loan originated with   XXXX   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX   XXXX   XXXX   in   XXXX   during the height of the mortgage crisis. Unfortunately for me, this loan has been transferred to several loan servicing companies from  Litton and currently Ocwen.  I have a good credit rating and do not want to see it compromised because of this loan. Conversing with  Ocwen has resulted in N O RESULTS. The loans are neither   XXXX   XXXX   nor   XXXX   XXXX   so I can not apply for a HARP loan to refinance my mortgage. I am have read several things online about the horrors of these loan companies and  Ocwen th e loan servicing company, but do not know what to do. I need some help. Because I am  upside down in my mortgage, no one will offer me an opportunity to refinance my mortgage.
Product: Debt collection

This my final attempt I have provided proof of my location and address to these debt collectors and they continue to cause hardship on my life during a very hard time. Bi not only federal law but New Yorks state law I must be given 30 notice before any negative marking on my credit to challnage the debt. I was never awarded that right.. not once have u shown me method of payment. Or any binding contract besides my name and a number when I have requested proof.. 
If you look at people of New York vs XXXX XXXX  it states case : XXXX XXXX. Thats the year of arrest convicted and sentenced XXXX XXXX all these investigation are comducted bi people of there own company and next I am filling a complaint with the attorney general of New York.. which is very scripting with there laws.. I have tried to provide proof and they leave me no choice my credit is constantly being denied because of there unlawful and unethical tactics the law is the law. Look at the dates of there letters XXXX, XXXX and so on I am clearly showing u case law public record of me being XXXX  XXXX  so who ever u was talking too was not me. XXXX XXXX XXXX doesnt even exist so how could u possible collecting a debt from them and valid date it
Product: Debt collection

XXXX XXXX is trying to collect on debt not owed by XXXX XXXX. The debt was opened XX/XX/XXXX by World Financial Group and the other one was on XXXX XXXX XXXX. Both debt was by original owned by World Financial Group, which have no agreement, and have never done any contract or transaction with them. The amounts for XX/XX/XXXX is for {$1900.00} and is reported as open on the XXXX XXXX credit reports. The other amount is for XX/XX/XXXX for the amount of {$1900.00} and is stated open under XXXX XXXX   When I disputed the first amount for {$1900.00} for XXXX, XXXX XXXX did not respond back instead they added a new one for the XXXX which was not on my report previously. This deceptively added a new unknown debt to my credit report from source I have never dealt with.
Product: Credit reporting or other personal consumer reports

Errors were not removed after disputes were made against unknow debts. Companies did not verify original signed contracts
Product: Student loan

I was paying Navient mounthly. all of a sudden they no longer contract me for payment ; that was 2 years ago. Then XX/XX/2018 I recieved a bill from XXXX XXXX XXXX XXXX. Which is a collection agency. I had prior notification that the loan was bring sent to XXXX. When I called Nevient, they new nothing about XXXX. they gave me a phone number that was for account information. when i call them they informed me that the account was sent there. I ask them why i never recieved a notice.and why I wasn't informed about the account bring sent to collection and why it took tab
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments on XXXX XXXX Account Dear CFPB, I am writing to formally dispute the inaccurate reporting of late payments on my XXXX mortgage account, reported by TransUnion. I previously filed a dispute regarding these discrepancies, yet no corrections have been made to reflect the accurate payment history. This letter serves as a second dispute request, and I am asking for a full investigation in compliance with the Fair Credit Reporting Act ( FCRA ), as per 15 USC 1681i ( a ) ( 1 ) ( A ), which mandates that credit reporting agencies must conduct a thorough investigation upon receiving a consumer dispute. 
Summary of Discrepancies Upon reviewing my payment records, I found no late payments on this account, yet each bureau reports different late payment dates : TransUnion and XXXX report late payments in XXXX and XX/XX/XXXX, as well as XXXX, XXXX, and XX/XX/XXXX. 
XXXX shows XXXX late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
These discrepancies violate the FCRAs accuracy requirement and negatively impact my credit score. Therefore, I request a full investigation of these entries and a correction to accurately reflect a Paid As Agreed Never Late status.

Request for Documentation and Investigation Process Pursuant to 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I request a detailed description of the investigation process your agency conducted for this dispute, as required by the FCRA. Additionally, under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), I request that all transactional information regarding this account be reviewed for accuracy.

Furthermore, please provide in writing the procedures in place, as per 15 USC 1666 ( b ), ensuring timely issuance of periodic statements. Should your agency be unable to provide valid evidence of these late payments, I demand that the account be updated to Paid As Agreed Never Late. In the absence of verifiable proof, I expect immediate rectification to maintain the accuracy of my credit report.

Reference to PAANL ( Paid As Agreed Never Late ) Given my record of consistent on-time payments, this account should reflect a Paid As Agreed Never Late status. This correction is essential to accurately represent my commitment to financial responsibility.

Thank you for your prompt attention to this matter. I expect a resolution aligned with the legal obligations outlined by the FCRA, the Consumer Protection Act, and the Truth in Lending Act. Please respond within the FCRAs specified 30-day timeframe. 
Sincerely, XXXX XXXX XXXX