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

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I found XXXX things in my credit profile, account that are not mine and can not be mine as I do not recognize them. I have no idea why I have them, and why nobody have made any investigation. Its not fair therefore I ask you to remove them finally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I an not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C Sec. 1681 ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete the investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

XXXX XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report XXXX XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report XXXX XXXXXXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report XXXX XXXX XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report XXXX XXXX XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report XXXX XXXX  XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report XXXX XXXX XXXX investigate if every piece of information is correct. If not, please remove it from my credit report XXXX XXXX XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report XXXX XXXX XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report XXXX XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report XXXX XXXX  XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report XXXX XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report XXXX  XXXX XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report
Product: Credit reporting or other personal consumer reports

I OBTAINED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY CREDIT REPORT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THE ACCOUNT ARE UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE. 

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting or other personal consumer reports

I HAVE RECEIVED THE REINVESTIGATION DISPUTE RESULTS FOR MY VERY SPECIFIC AND DETAILED DISPUTE I SENT TO YOUR COMPANY WITH SUPPORTING DOCUMENTATION THROUGH THE CFPB, BUT THE ACCOUNTS WERE STILL UPDATED AND VERIFIED AS ACCURATE. YOU WERE REQUIRED TO CONDUCT A REASONABLE INVESTIGATION, BUT THIS DID NOT HAPPEN, AS YOU FAILED TO DO ONE. 

(XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXXXX/XX/XXXX ) ( XX/XX/XXXX XXXX ( XX/XX/XXXXXX/XX/XXXX ) XXXX XX/XX/XXXX ) I OBJECT TO ANOTHER REINVESTIGATION. I REFUSE ANOTHER REINVESTIGATION
Product: Credit reporting or other personal consumer reports

violation of section 604 15 USC code 1681B. Please remove from my credit report XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX : {$360.00} ; XXXX XXXX XXXX XXXX : {$280.00}.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on our ongoing efforts to delete the fraudulent items from my credit report. Despite our previous two attempts, I regret to inform you that these items still persist on my record. I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Moreover, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these fraudulent items removed from my credit report. I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. Your assistance in rectifying these discrepancies is crucial to ensuring the accuracy and integrity of my credit information. The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my TRANSUNION credit report in XXXX noticed some unauthorized accounts on my credit report and under 15 USC 1681 ( a ) 3, TRANSUNION assumed this role without permission not only that, they did not have my consent. TRANSUNION did not respect my right to privacy which is under 15 USC 1681 ( a ) 4. TRANSUNION did not exercise their grave responsibility & were unfair. I have already taken the liberty to file this CFPB report and I will file attorney general 's complaint if these accounts aren't removed. TRANSUNION never had a permissible purpose Under 1681b ( a ) 2. I never instructed TRANSUNION to furnish this report and I never consented to this report in the first place. The XXXX fraudulent accounts are A card with XXXX XXXX For the amount of XXXX AND In XX/XX/XXXX, a fraudulent collection account with XXXX XXXX XXXX for the original creditor XXXX XXXX XXXX OHIO was placed on my profile for the amount of XXXX. I do not have ANY UTILITY BILLS-ACCOUNTS IN MY NAME AS I DO NOT HAVE MY OWN HOUSE, I stay with my mother on XXXX XXXX. I have not done business with either company and These XXXX accounts needs to be deleted off of my credit. I am attaching my etc report, the letter I sent TRANSUNION and my proof of identity.
Product: Credit card or prepaid card

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem
Product: Credit reporting or other personal consumer reports

I am writing to dispute this item on my credit report that I believe to be inaccurate. 
I request that you investigate this disputed item and remove or correct any inaccurate information within XXXX  days. 
Please send me written confirmation of the actions taken on my dispute, as well as an updated copy of my credit report once the corrections have been made. Please investigate this information and correct any errors as soon as possible : XXXX XXXX XXXX.
Product: Debt collection

I asked to lower rate and email me the new amount, they refused to do so and demanded for my credit card information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, 2021 i sent a 3 letters regarding fraudulent accounts on my credit report. To this day over 60 days later and I still have not received a response yet. I like im being take advantage of and being ignored of my disputes.Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I was also affected by equifax breach and ive been getting alert that my information was compromised on the dark web. I have never done business with these companies and i am asking that these fraudlent account tp be removed. I have attached my Drivers license and the FTC reports.I am a victim of identity theft and did not make the charge.
Product: Debt collection

Remex INC sent me collection letters for a debt that was not mine. I requested further information regarding the debt including the following : 1. A full invoice 2. A signed agreement to pay the debt issued by original parties 3. State of NJ Bond which allows them to collect debt in the state of NJ.

Unfortunately the company could not provide # 2 and # 3 of the requested information. Because I was being difficult they just sent my incomplete information off to credit agencies. I disputed with one agency which immediately scrubbed the collection attempts from my report due to them not having complete personal information submitted. Remex INC. does not have my social security number which led them to believe this is a fraudulent collection attempt. 

XXXX still has the collection attempt on my report despite them not receiving my social security from Remex, their fraud department told me they do not have my social. 

The amount is for {$280.00}
Product: Credit reporting or other personal consumer reports

Company charged of debt and is still reporting on credit bureau. I requested a cease and desist due to illegal reporting activities according to 15 U.S.C 1681Section 602 A which states I have the right to privacy and 15 U.S.C 1681 Section 604 A Section 2 says Consumer reporting agencies can not furnish an account without my written permission.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and am requesting the immediate blocking and deletion of certain accounts and inquiries from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were the result of unauthorized activity and should not appear on my credit file. 
The following account and inquiry should be blocked and deleted : Account : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} Inquiry : XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Debt collection

To whom it may concern On XX/XX/XXXX, I submitted a dispute to USAA, dispute # XXXX. I requested to have my funds recovered due to The XXXX XXXX XXXX not rendering services after receiving payment from me. 

There were two charges made to my USAA account to Attorney XXXX XXXX XXXX : XX/XX/XXXX for {$100.00} XX/XX/XXXX for {$100.00} USAA reversed the credit owed to my account in error. Whoever handled my case did not thoroughly investigate. I wished they would have waited for my response. 

Please see attached receipts paying XXXX XXXX and email sent from USAA regarding credit was to be reverse or debited from my account on XX/XX/XXXX. 

On XXXX, XXXX, XXXX I fired Attorney XXXX XXXX XXXX for lying, not communicating, failure to show up to court, and stealing money from clients without rendering services as requested causing more issues I later had to fix myself. There is an official court record stating I no longer want XXXX XXXX to represent me. This means he has no legal right to work for me or handle any legal matters on my behalf. See attach court document. 

I myself conducted my own thorough investigation and submitted documents to the State Bar of Texas. I also handled all of my legal matters that the XXXX XXXX firm did not handle or had no legal right to handle on/after date XX/XX/XXXX per court document I submitted to the judge. This also cost me additional court expenses. 

The State Bar of Texas found XXXX XXXX guilty. See attach letter received. 

Because XXXX XXXX has contacted me numerous of times demanding for more money via email. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am requesting for a reconsideration of my dispute case. Please see attach emails received from XXXX XXXX. I am unable to open the invoice attach due to the attachment stating its not safe to open but will be happy to forward these emails upon request.
Product: Debt collection

I filed my first complaint in XXXX, ref # XXXX Since than I no longer received letters from that collection agency, but now a collection company is sending me threatening letters. 

this is XXXX statement from previous. 

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I signed up for XXXX month XXXX membership to XXXX XXXX in XXXX XXXX XXXX XX/XX/XXXX. Winter special they offered. I suspended membership in XX/XX/XXXX. They confirmed they have record of this. I was billed for continued membership in mid XXXX. When I called the office they said it was for continued membership. I informed they I will not be returning and this must be cancelled. I paid the {$50.00} in good faith. I got another bill for {$50.00} in XX/XX/XXXX to continue the membership and was informed my CC on file was not valid. I informed them by phone and followed up email that this was cancelled in mid XXXX and I did not renew in XXXX as I am not on that area. I called the location to complain about this and they said I renewed but I signed nothing. I just got a debt collection letter from XXXX XXXX XXXX saying I now owe {$190.00}?? I responded to the letter by email stating all of the above. I do not owe any funds as I informed them in mid XXXX when I paid them {$50.00} for something I did not owe at that time but understood possible conflicts in communications. Now this is starting again!! This is a scam. I did not sign up for any on going membership. 

I sent another formal letter on XX/XX/XXXX that will attach to this complaint.
Product: Credit card

This company is reporting fraudulent inaccurate information on my credit report Have requested that they provide the purchase agreement to show full ownership of such account and also other documents So I may review to see if this is the actual account account that belongs to me. 

Balance of {$720.00} Date of notice XX/XX/year>XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

There are three recurring issues with Mariner Finance. One, you can not update your payment methods easily. If you delete a payment method and try to add it back, it says it is already in the system even though it is no longer listed as an option. Because of this the loan provider pulled money out of the wrong account and I almost missed a payment. Despite notifying them of this issue, no action has been taken to fix it. 

The second issue, I can not make additional payments on my loan. Every time I try to make an advance payment, the website says there is a restriction on my loan/payment method with Mariner Finances local branch. Even though I want to pay off my loan faster their system is forcing me to only make the minimum payments. Mariner Finance is prohibiting me from paying off my loan and to accrue interest and have to pay more in the long run. 

And the third issue, is that their login has been down consistently, so I can not even login to manage my loan. Despite contacting their customer service all they do is send me the link to login which doesnt work. This happened on XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 


Mariner Finance is a predatory lending company which has faults in their online platform and local branches that force people to pay more on their loans since they cant make additional payments other than the minimum monthly installments.
Product: Credit reporting or other personal consumer reports

The company refused to update my addresses, refused to remove old and addresses I never receive mails from, the company refused to remove inaccurate accounts from my credit report, the company is not doing investigation into my requests, instead the company is allowing the creditors to perform their own investigation to my request to investigate and re-investigate, and the creditors always responded back with a verified answered and then the credit credit agency always used what they received from the creditors to send to me as a consumer who requested the credit agency to do it's job to perform an investigation like the law asked and required, the credit agency sent me a verified letter and when i called the creditors and requested them for the applications, they all replied the accounts were opened only they don't have anything to provide me that the accounts are belongs to me, but the credit agency claimed that it was verified and provided no methods how it was verified.
Product: Debt collection

I have sent repeated copies of my credit card payment in excess of the amount owed. They continue to reply with a statement not showing the payment and not addressing my proof of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Credit Agency Experian multiple of times regarding fraudulent accounts reporting on credit file, incorrect personal information such as contact number and address, issue with online access to personal credit report and issue with filing a dispute on online, incorrect late payments, reporting late payments on charged off accounts etc. Latest contact XX/XX/2022 and XX/XX/2022 report no. XXXX and credit report from XX/XX/2022 and XX/XX/2022. I have spoken to multiple of agents from the consumer protection department who has refused to help and has disconnected calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquires on both XXXX XXXX and XXXX  that are not mine. 

XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX and XX/XX/XXXX Coaf  XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX do solemnly swear that I am writing and submitting this complaint by myself on my own behalf. I have submitted numerous dispute to Experian to have inaccurate items removed from my credit report as well as some unknown things. My XXXX dispute I mailed in was XX/XX/2021 and I haven't heard anything or received any kind of correspondence from Experian at all in regards to my dispute. I feel like that are purposing targeting me due to my demographic and ignoring my request. Now I am demanding that these accounts and items not only be deleted from my credit report, but I AM demanding that these accounts and items be deleted immediately or I will be filing for litigation because this is insane the extreme amount of stress you all are causing me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. I've been in hospital twice stressing over this. It's not fair and federal laws are being broken at this point.
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased a set of wheels from a seller on XXXX ( XXXX XXXX which also operates under the name XXXX XXXX, is located in XXXX, Pennsylvania ) who had me pay them through XXXX  instead of XXXX checkout. I know I was wrong to go through with it, but I had no idea that the merchant was a dishonest thief. 

The wheels were incorrectly advertised as having a 38mm offset and arrived with a 35mm offset. Getting him to issue return shipping labels was difficult, but he eventually did and I sent the wheels back. 

Getting my credit card charge of {$2300.00} refunded has been impossible. Citibank 's Billing Disputes Department took 3 months to find XXXX XXXX for the charge! I had them re-open the dispute, provided them with ALL necessary and requested evidence that proves beyond any doubt that the merchant has his merchandise back and still has my money. 

I also provided proof that I purchased the correct wheels from a different seller on XXXX. 

Nearly 3 more months later, Citi again closed the dispute stating that they are unable to force the merchant to credit a refund and are unable to continue the dispute because the time-frame has expired. 

I'm beside myself, as you can imagine. How does this happen? Just, how is it possible that Citibank is okay with a merchant stealing {$2300.00} from a customer?