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

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 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 ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, 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 ) ( XXXX ). Please be advised that under Section XXXX ( a ) ( XXXX ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/2023 around XXXX hours, we attempted to deposit {$3000.00} in {$50.00} bills. 
Upon doing so, the ATM crashed and gave us a printout stating XXXX XXXX XXXX. 
We contacted the bank, Webster Bank who are stating they only retrieved XXXX {$50.00} bills and there is nothing they can do.
Product: Student loan

My taxes were taken to pay a student loan that I never received schooling properly for. 
Brown Mackie College somehow had my taxes taken. 
I am eligible for debt forgiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX balance was due XX/XX/XXXX. The balance was initiated on XX/XX/XXXX, but Grain didnt initiate it until XX/XX/XXXX. According to the emailed screenshot of the payment confirmation it was paid on XX/XX/XXXX, through the bank account checking/routing system. The payment was reported 30 days late to the Credit Agencies- it is not my fault that I paid it on the due date ( according to the email screenshot confirmation date ) but the company didnt initiate it until the day after. This is falsely and inaccurately reporting. This payment needs to be updated to Paid on time/current and sent to the agencies to update.
Product: Credit card or prepaid card

I was sent a letter from XXXX Citibank for a credit card, so a applied for said card online. Even though I exercised my rights in good faith, I was denied, which gives me reason to believe and do believe I was wrongfully discriminated against by Citibank. This appears to have violated 15 U.S. Code 1691 ( a ) ( 3 ). The denial caused unwanted stress. Also, the language in the denial letter was obscene to me, causing mental anguish and XXXX This is a violation of 15 U.S. Code 1692d ( 2 ). Full details are in my attached paperwork.
Product: Credit reporting or other personal consumer reports

XXXX, I noticed unauthorized inquiries on my credit report, and I can't figure out why they're there. I check my credit report routinely, and this time, I was shocked to find these discrepancies. I refreshed my browser, thinking it might be a glitch, but the unauthorized inquiries remained. This is incredibly disheartening, and I need the documents I've submitted to be examined closely so I can finally have peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX**3RD ATTEMPT*** It has been over 30 days since my 2nd attempt and I have NOT received ANY correspondence. 

In my previous CFPB complaint, XXXX responded and gave pushback stating that the bank account I used to try and set up auto pay back in XXXX XXXX  and onward was an account that did not belong to me and that it was under a different name. However, this is NOT true. My wife ( XXXX XXXX ) and I are equal owners of this bank account. Please see the attached bank statement & copy of my check book that shows both names as proof. XXXX 's name shows first and mine shows second. We both have equal ownership to this bank account. You can also see that the bank account number in which XXXX rejected ( XXXX ) is the same account number that is on the bank statement & check book. I'm not sure if it's because XXXX 's autopay can only detect the first name listed on the bank account but I am 100 % on the account as an account owner. Therefore, Autopay was rejected for a false reason and this ultimately caused my mortgage to be late when I had full intent to pay and even tried setting up auto pay multiple times. I kindly ask XXXX to rectify the late payments on both my mortgage accounts please. Please look at the rejection letters from XXXX and the bank acct number they rejected due to supposedly not being mine. Then look at the bank acct number on the bank statement and check book. Here you'll see that I, XXXX XXXX, am in fact an owner on the bank account.
Product: Mortgage

XXXX XXXX 2016 To Whom It May Concern : Thank you in advance for your time and guidance. My name is XXXX XXXX XXXX XXXX XXXX and I am currently stationed at XXXX XXXX, Georgia. For the last few months, I have made several attempts to rectify a matter concerning the unauthorized use of my signature to obtain a home equity loan from XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$30000.00} while I was XXXX. Upon reviewing my credit report a few months ago, I discovered several items listed in the " collections '' category ; XXXX in particular being XXXX Home Equity Loan Line of Credit, a loan that I did not request nor sign. When I contacted XXXX, I was informed that my former spouse ( XXXX XXXX XXXX XXXX ) had obtained this loan to include signing my name without any proper authorization. Several calls were made to XXXX to resolve this matter during which I was informed that there was a Power of Attorney ( POA ) on file. However, XXXX was unable to produce the POA upon my request. Since this time, the noted defaulted loan has been placed in collections with Green Tree Servicing LLC. I contacted Ditech Financial LLC / Green Tree Servicing LLC to discuss this matter and was later instructed to execute a Quit Claim for the property associated with home equity loan. 
The Quit Claim action was processed in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida in and for XXXX XXXX, a copy of this document was provided to Ditech 's Financial LLC legal department whereas they have negated to remove me as a party in this matter. I am seeking this agency 's assistant with resolving this matter, as there was no legal documentation in place authorizing my former spouse to sign my signature on this loan. Several times I have attempted to speak with the leadership at XXXX concerning the alleged POA they have on file and each attempt has been met with a failed point of contact. Enclosed with this complaint are several supporting documents : XXXX XXXX Property Information, XXXX Borrower 's Promise to Pay Note with my unauthorized signature, XXXX XXXX Notice XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX for identity theft and XXXX credit report XXXX XXXX ). Again, thank you for your time and assistance, please feel free to contact the undersigned if any additional information is needed. 
Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Basically I asked the credit bureaus to do a verification of my credit report and they did. They said that everything was accurate on my credit report, but I also did a thorough report on my credit myself and there are still a lot of improper inaccuracies on there after they did there research. The company is XXXX XXXX  account number # XXXX Equifax XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions...
Product: Credit reporting, credit repair services, or other personal consumer reports

5 months ago or so i was checking my credit and found all of these fraudulent medical accounts on my reports, i have and still have full coverage no deductible insurance coverage with XXXX XXXX and i have had it from the beginning around 10 years.i reported the fraud to the police in my area, also made a affidavit with ftc plus made numerous reports with you, all the fraud info was finally taken off .know i goto my XXXX credit report and they are all back on plus a new one, which i was told buy that company XXXX XXXX XXXX it was sold to them by XXXX XXXX the same company that did the past frauds on my account. XXXX credit reporting agency is the only one that has not put them back on most likly because i have to pay them monthly to check my own credit file, but XXXX and XXXX keep putting these same old fraud accounts back on my file they have been sent police reports, ftc affidavits, everything and they keep ruining my credit until i start paying them please help me enough is enough i am so tired of having to do this over and over every three or four months thank you
Product: Credit reporting or other personal consumer reports

Despite multiple attempts, I am writing to express my extreme frustration and concern regarding the continued presence of fraudulent items on my credit report, which are needed them to removed. These fraudulent items are causing significant harm to my creditworthiness and financial well-being, and it is imperative that they be rectified as a matter of urgency. 

I have previously submitted multiple dispute letters to your bureau regarding these fraudulent items, with no resolution to date. Copies of my previous dispute letters are enclosed for your reference. 

I kindly request that you conduct a thorough investigation into these fraudulent items and take immediate action to correct my credit report by removing them. The Fair Credit Reporting Act ( FCRA ) mandates that credit reports must be accurate and free from fraudulent information, and the continued presence of these items is a violation of my rights. 

Enclosed with this letter, you will find the following documents : Copies of my previous dispute letters submitted to your bureau. 
Supporting evidence that demonstrates the fraudulent nature of these items, such as police reports, affidavits of identity theft, or any relevant documentation. 
I expect a written response from your bureau within 30 days of your receipt of this letter, as required by the FCRA. Your response should include the results of your investigation, the actions taken to rectify the fraudulent items, and a revised copy of my credit report that reflects these necessary corrections. 

Furthermore, please ensure that you notify the creditors or entities associated with these fraudulent items about the dispute and provide them with the requisite documentation, as required by federal law. 

The continued presence of these fraudulent items on my credit report poses a severe threat to my financial stability and creditworthiness. I implore you to prioritize this matter and work diligently to resolve it promptly to restore the accuracy and integrity of my credit history. I am asking for your assistance to remove the following fraud items in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXXXXXX XXXX XXXXXXXX, AR XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$7300.00} XXXX  XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$39000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7300.00} XXXX XXXX  XX/XX/202XXXX XXXX XXXXXX/XX/2023 XXXX  XXXX XX/XX/2023.
Product: Debt collection

I never received any type of written notification of this debt and My wife has received repeated calls about a debt that I do not owe for the past 7 months. My wife has asked Jacobs collection for more information, but was told it was a business matter she has also told Jacobs collection to not call her phone relating to the debt that I ( her husband ) supposedly owes.
Product: Credit card

I attempted to cancel my autopay on XX/XX/XXXX and also added a new bank account to manually make the payment, as the original autopay account did not have enough money to cover the transaction. I successfully submitted the payment from the new bank account. ( Email confirmation attached. ) I spent over 2 hours on the phone with customer service on XXXX after getting an email from my bank that 2 payments were returned due to insufficient funds. I was very confused because the bank that emailed that notice was the old auto-pay account that I hadn't used for the manual payment. After much back and forth with the customer service agent, they said they reached out to the tech team and because I added the new account before the autopay was processed, it pulled it from the original, incorrect bank account. I inquired how I was supposed to know that it would pull from the wrong account, if I specifically added to the new account for the purpose of making the payment. I also noted that the payment confirmation emails do not include the last 4 digits of the account it was paid with. The agent also informed me that there was no way to reverse the double payment from the incorrect account- they could only let it post and then start a case to process a refund, which couldn't be done for 8 business days. 

Nordstrom Card Services proceeded to retry the payment 2 more times, on XX/XX/XXXX and XX/XX/XXXX ; even after I had this lengthy exchange with customer service where they informed me that the payment processed incorrectly. I waited until the next bill posted to my account to go back and pay the full balance from the XXXX added bank account on XXXX. 

I attempted to use my card on XX/XX/XXXX to place an order on Nordstrom.com but received the error message to " Check card and billing address information or try a different card. '' I was confused yet again, because no information on my account had changed. I called customer service and after researching they stated that my account was blocked due to the 2 returned payments and " due to federal regulations, they have to wait 20 business days for the most recent payment ( XXXX ) to finish processing '' prior to me being able to use the card again- which would be XXXX. 

My issue is three fold : the company admitted a tech error on the manual payment that I made from the being incorrectly debited from the wrong bank account. And further, that my card was blocked for 30 days without notifying me. Reasons for which, were the fault of Nordstrom Card Services. Lastly- the " supervisor '' I spoke with on XX/XX/XXXX claimed that she could go back and listen to the original phone calls ; yet claimed there is no tech team that could have been consulted and I was incorrectly advised. I find it impossible to believe that a financial services firm such as TD Bank doesn't have tech team to consult about payment processing errors. The general negligence of the company without accountability for their errors is unacceptable. 

If this issue can not be resolved, I would like to close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a car loan and received varying information from the credit bureaus and the services who monitor my scores like XXXX and XXXX XXXX. 

XXXX XXXX which has which has a service called XXXX XXXX, shows my score of XXXX, XXXX has a service called XXXX XXXX showing XXXX. 

If I go to Experian which I have a paid service, it shows XXXX, XXXX XXXX, XXXX   XXXX. They all have the same negative items and a lot of bad information all together. 
Old and closed credit cards done in XX/XX/2008 when I lost my job, based on a bad economy. 

First off, how can they vary so much with the same information? 

I sent a dispute letter to all three service, based on items that were 10 years or older and bad addresses and wrong past employers. 

Items 8 to 10 old should not appear according to Fair Credit Report Act.

The 3 bureaus replied to those Disputes stating I made payments several years after they were closed, which is totally false. 

Household Income went from a XXXX to XXXX so I could not make any payments having just enough money to make mortgage, car and insurance payments, utilities essentials and food never mind payments to credit cards. 

I was out of work about 4 years and could not make payments to any of those cards at any time. 

I can't help but think they make false payment statement to keep the negative items on the reports as long as they possible can, and the varying scores and information like addresses, employers proves their inefficiency. 

If they are all monitoring the same information how can they be so different, and false. 

Please help because they are once again like our banking industry getting out of control, can't help but think its based on the present administration.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I am trying to Purchase a home and the is deformation of my character and hindering me from moving forward.
Product: Credit reporting or other personal consumer reports

IT IS ILLEGAL FOR A COLLECTION AGENCY TO BUY DEBT AND COME AFTER A CONSUMER FOR DEBT WITHOUT A WRITTEN CONSENT ACCORDING TO LAW 15 U.S.C 1681B. FURTHERMORE I HAVE SENT NOTICES AND MAILED LETTERS TO THIS COMPANY MAKING YOU GUYS AWARE OF THIS FRAUDULENT LEASE THAT WAS TAKEN OUT IN MY NAME WITHOUT MY KNOWLEGDE OR CONSENT, AND THIS COMPANY CONTINUES TO IGNORE MY CLAIM AND NOT HONOR MY RIGHTS. CONGRESS COLLECTION DIDNT TAKE THE PROPER STEPS TO FULLY VERIFY THIS ACCOUNT BEING FRAUD, AND THIS COMPNAY DISHONORED MY CONSUMER RIGHTS AS AN AMERICAN TO PROPERLY INVESTIGATE THIS FRAUD ACCOUNT AND SEND ME PROOF OF FINDINGS, ALL IN ALL NO COLLECTION AGENCY UNDER SHOULD BUY, REPORT, OR PURSUE A CONSUMER FOR A DEBT WITHOUT WRITTEN CONSENT WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ), ESPECIALLY IF THIS LEASE ACCOUNT IS FRAUD, THIS COMPANY ALONG WITH THE CRIMINALS WHO STOLE MY IDENITY COMMITED FRAUD. THIS COMPANY CONGRESS COLLECTION THEN STATED YOU SPOKE TO A FRAUDSTER ON THE PHONE IN XX/XX/year> AND THEY STATED THEY ARE AWARE OF A BALANCE AND WILL PAY. IS THIS THE PROPER STEPS FOR A COLLECTION AGENCY TO VALIDATE A DEBT? THESE FRAUDSTERS USED MY IDENTITY TO OBTAIN A LEASE, AND IN DOING SO THESE FRAUDSTERS PLACED THEIR CONTACT OUTLETS ON FILE, SO CONGRESS COLLECTIONS CONTACTED A FRAUDSTER ON XX/XX/year> REGARDING A DEBT THAT WAS FALSELY OBTAINED. HONOR MY RIGHT, MY CLAIM, AND THE LAW AND REMOVE/DELETE THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT
Product: Debt collection

On XX/XX/XXXX at approximately XXXX XXXX  XXXX, I contacted Jefferson Capital Systems , LLC in regards to the debt from a XXXX account. I have not had XXXX in over 6 years and now Jefferson Capital Systems decided to buy it out on XX/XX/XXXX so showing as it is a brand new account. They were able to verbally inform me that I have not had XXXX since XXXX and that is when their account was opened, however, they informed me they were unable to provide me with any documentation showing me that, as I would need to contact XXXX. 

I contacted XXXX ( which is now XXXX ) on multiple occasions via chat, in-person at a retail store, or via phone. I have been told by every representative I have spoken with that they were unable to provide me with any documents and were not able to see my XXXX account due to XXXX now being non-existent or the account being too old and closed for several years now. 

I have an issue with not being able to receive any supporting documents regarding having XXXX since XXXX, yet they are claiming all of this information on my credit report. This has now caused me not to be able to receive a student loan to finish my Master 's degree due to it stating it is a brand new account and not over XXXX XXXX XXXX. I even tried gathering documents for school purposes to show this account has been closed since XXXX and they would not even provide me any supporting documents. How is Jefferson Capital Systems gathering all of this information, yet when I call XXXX, I am being told they can not gather any of my account information due to XXXX no longer being existent since they merged in XXXX or the account has been closed for several years now? 

I do not believe it is fair enough to have this on my credit report when this happened over 6 years ago and now all of a sudden a debt collector comes in and reported it as it just opened, when that is not the case. Jefferson Capital Systems is also refusing to provide me with any documents. Again, which has now caused me to not being able to continue my education until this matter is fixed.