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

I recently submitted a request for an investigation of the disputed account, which CREDIT BUREAUS claimed was verified. Since I believed they didnt properly investigate my dispute I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. CREDIT BUREAUS records show that it was incorrect. Since the investigation was done improperly, I need this to CORRECT of the listed account from my file pursuant to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) XXXX XXXX Balance Owed : {$950.00} Please confirm the information shown in this account is 100 % accurate or FIX this account information from my credit report because I believe it may be erroneous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I suspect fraudulent hard inquiries on my credit report. I did a thorough investigation and I also filed a FTC report stating the activity I have observed. The inquiries are listed below. 

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

In XXXX i communicated with the company about the unauthorized inquiry. They said they would contact XXXX about removing it. On XX/XX/XXXX I received the confirmation letter from XXXX stating it was deleted, but yet its still reporting on my profile. 

Inquiry date : XX/XX/2019 - Comenitycapital/XXXX
Product: Credit reporting or other personal consumer reports

NAME : XXXX XXXX XXXX XXXX : XXXX XXXX way XXXXXXXX XXXX XXXXXXXX SSN : XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Removal of Unauthorized Hard Inquiries - Based on the FCRA Dear Sir/Madam, I am writing to formally request the immediate removal of the hard inquiries listed on my credit report that were not authorized by me. According to the Fair Credit Reporting Act ( FCRA ) - 15 U.S. Code 1681b, credit bureaus may only include credit inquiries in my report if I have given explicit and verifiable permission to the company that conducted the inquiry. After reviewing my credit report dated ( XX/XX/XXXX ), I have identified the following unauthorized inquiries : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX I have no knowledge of these inquiries and did not provide written or electronic authorization, making this a violation of Section 604 of the FCRA. As a consumer, I have the right to dispute any inaccurate or unverifiable information on my credit report. Requested Action : I request that you immediately investigate these credit inquiries and provide proof of valid authorization within 30 days, as required under FCRA 15 U.S. Code 1681i. If you are unable to verify authorization, I demand that these inquiries be removed from my credit report immediately. I am attaching a copy of my identification and proof of address to verify my identity. I expect a written response confirming the removal of these inquiries. Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX and TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am a natural person, I am a living being. I have rights under 15 USC 1681 Equifax is govern by 15 Use 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts XXXX XXXX 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
Product: Money transfer, virtual currency, or money service

Initiated standard bank transfer on XX/XX/2022 from Venmo account after receiving money from someone I know in the amount of XXXX. Venmo sent an email notice and notification in the mobile app that the transfer was initiated and the expected date to receive funds on XX/XX/XXXX. Funds have yet to arrive in my bank account as of XX/XX/2022. I contacted Venmo XXXX  times ( XXXX XXXX ) and I was able to to speak with a representative all 3 times. During the second and third call, the representative stated that I should receive the funds that same evening. All three representatives stated that an email would be sent when the funds were transferred, however there was never an email to document the call or any other communication by email about the transfer. The transaction still shows as pending with estimated arrival of funds on XX/XX/XXXX. 


This is the first time having an issue with Venmo and the representatives stated that this was an internal error assured me the transaction would be completed without any further explanation or recourse should the transfer not take place.
Product: Credit card

When I went to XXXX to make a purchase I was asked to apply for their visa card to get a discount on my purchases. 3 months later ( XXXX XXXX 2015 ) I get a call from a collection agency telling me I owe a balance that I have not paid and they have put my " Delinquent '' account in collections. I was shocked because I always pay my full balance as soon as I get my statements. In this case I never got even one statement from this company. They told me the address they sent it to and it was not my address. It turns out that the bank handling the card " Synchrony Bank '' had made a mistake and sent it to a completely different address in a different city. I told them my address and also told them to get me out of collections immediately since it was their mistake. I would happily pay my original balance without the fees attached but they would have to correct the balance and send me a statement first. Nobody on the phone was helpful in this case. They have given me a bunch of different numbers to call and when I asked for a supervisor to correct this situation nobody came to the phone and left me holding the phone for a while. I finally hung up and tried to call XXXX headquarters and the bank themselves but when I called the bank number an automated message came on saying my account has been sold to another company. I am very disappointed and angry. I just want to pay the amount for my purchases ( XXXX ) and I 'm not responsible for their mistake. They need to mend what they have done by correcting their report to my credit. I did not deserve any of this. I am going to complain to XXXX as well and will never shop there again and will make sure I will make sure my friends and family will not shop in Gap either. I 'm still waiting.
Product: Credit reporting

This account is being reported and it is over 7 years old there is even to different account number.
Product: Debt collection

I received waves garnishment notification from my employer for dead I did not accrue I was never served for the court arraignment per Illinois state law I'm not responsible for this debt and I also could have this overturning Court due to not properly being served for the summons. I was advised to go through the FTC or complaint hotline or website first to resolve it rather than going through a whole another litigation process due to fraudulent actions taking place through XXXX XXXX XXXX
Product: Debt collection

I applied for a job at XXXX XXXX XXXX in XXXX XXXX. I only attended ONE paid 8-hour training and all uniforms owed to that company were returned to the XXXX XXXX XXXX XXXX 

On XX/XX/year>, a debt collection company called TSI - Transworld Systems Inc in XXXX XXXX  PA, representing the XXXX XXXX office, sent me a debt collection letter for {$500.00}. 

How can I owe {$500.00}, if I only attended ONE paid 8-hour training and NEVER took an assigned position because I accepted another opportunity from an outside agency? 

The company representing XXXX is : TSI - Transworld Systems Inc. 
XXXX Virginia XXXX, XXXX XXXXXXXX XXXX XXXX PA XXXX XXXX M-F XXXX to XXXX EST
Product: Student loan

American Education Services refused to defer my loans while attending XXXX school. This led to them turning XXXX of XXXX loans over to a collections agency resulting in a default status. I have had to continue making payments on the XXXX, which are not defaulted, while attending school.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time disputing these accounts that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : -XXXX XXXX # XXXX -SENSIBLE AUTO LENDING # XXXX
Product: Mortgage

XXXX   XXXX ,  XXXX  I was sent an affidavit by Ocwen stating that it needed to be sign in order to complete its evaluation of my short sale request and it was needed back by  XXXX   XXXX ,  XXXX .   My real estate agent  XXXX   XXXX  with  XXXX   XXXX  and I have been told as of last year that Ocwen has had all documents provided to complete the short sale and nothing else was required. Now we are being told that they need this document again. This is NOT professional on there part. As you can see I have attached the affidavit that was signed  XXXX   XXXX ,  XXXX .   This is my  XXXX  complaint with the Consumer Financial Protection Bureau regarding Ocwen and was informed in my first letter to the cfpb on  XXXX   XXXX ,  XXXX  I shall hear something back with in 60 days.   Am so fed up with Ocwen they have told my  Agent  and I that all the paper work has been received and that they been waiting on the Lender. This is a bunch of   XXXX   if this was true they would have not asked for me to sign an affidavit that was sign by all parties and summited  XXXX   XXXX ,  XXXX . Not only that but Ocwen has admitted to my agent  XXXX   XXXX  as of this year the paper work was never summited to the  Lender  instead it was with there underwriters still.   I am tired and can not move on with my life with this home being vandalized on a daily basis and being reported to the police. All this Ocwen knows but they keep saying its the  Lender in  which they are full of  XXXX .   What makes things worse my agent and I can not talk to someone that speaks English instead we get these workers from  XXXX  which is hard to understand what they are saying at times.   Please help am stressed out over this matter and all this mess is really uncalled for i f Ocwen did its work ri ght.
Product: Mortgage

On XX/XX/2019 I made a regular mortgage payment plus additional principal paydown ( {$1300.00} + XXXX = {$3000.00} ). I have been doing this for the previous 14 months. The company ( Pennymac USA ) treated it as two monthly payments ( XXXX and XXXX ) and put {$200.00} as a principal reduction. 

When I discovered this on XX/XX/2019, I called and wrote to them telling them that it was supposed to be XXXX monthly payment not two. They said that they would take care of it. 

I called back on XX/XX/2019 and asked why it hadn't been adjusted. They advised that they would put in another request to have it adjusted. 

With nothing done, I repeated called every few days and was always told that it was being worked on, but nothing was adjusted. 

On XX/XX/XXXX, I made my XXXX payment plus principal reduction ( {$1300.00} + {$1100.00} = {$2500.00} ). The company treated this as a XXXX payment, charging me the wrong interest. Again, I called and advised and was told this would be corrected. 

On XX/XX/XXXX, I filed a complaint with the Better Business Bureau. 

I was then contacted by XXXX XXXX at Pennymac in their complaint department. I explained the situation and was assured that he would take care of this matter. 

They then tried to fix the problem but applied my XXXX additional principal paydown in XXXX, resulting in them charging me too much interest. 

I spoke to XXXX regarding this matter and he agreed they erred and would fix this. 

On XX/XX/XXXX, they removed my principal paydown from XXXX, regular payment from XXXX, and principal paydown from XXXX, which now shows that I am in default for not making a XXXX payment, plus no principal paydown. 

I called XXXX and advised. He said " Senior Management '' was working on it and it would be resolved by XX/XX/XXXX. 

Nothing has been done as of today, XX/XX/2019 and I am receiving daily collection calls asking for a XXXX payment. 

I called both Customer Service and XXXX ( Complaint Department ) on XX/XX/XXXX and XX/XX/XXXX with no results. 

As the result of getting another collection call from Pennymac USA today, I fear that they will default my loan and also keep the money that was to be for an XX/XX/2019 paydown, as well as a XX/XX/2019 payment and XX/XX/2019 paydown.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, has violated my rights. 
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
Product: Credit card or prepaid card

XX/XX/XXXX I sent an XXXX envelop to XXXX The clerk guaranteed time to deliver envelop is XXXX weeks ( XX/XX/XXXX ) Today is XX/XX/XXXX and package is not delivered or XXXX has not received Please have the XXXX XXXX  send me a copy of receipt signed by recipient if misdelivered It is also shocking that an envelop can take 3+ weeks to send by AIRMAIL! 

If they can not produce signed receipt be sender then I want credit for XX/XX/XXXX charge {$13.00} for services NOT rendered
Product: Credit reporting or other personal consumer reports

I went through a debt consolidation company, XXXX XXXX XXXX, to help settle my debt and make payments on my behalf, which they did. 
When the final payment to Goldman SachsXXXX was made in XXXX of 2024, I had requested a letter of satisfaction for my credit report, I was told they would not send one out until the last payment was processed in about 30 days. When I did receive the letter, it had sentence in there that said " if any payments are returned collections would resume ''. I requested they remove that sentence, but they refused, stating that it was auto generated. 
I requested they update my credit report, which they have not done. When I disputed the report they removed all notes and changed they amount owed, it now looks like I made no payments and still owe over {$5000.00}. 
I disputed this twice, and have had no luck with them adding a statement that says, " this collection was paid in full as agreed to through a settlement. '' I have provided all the documentation I could get, but I am unable to get a copy of my settlement agreement through XXXX XXXX XXXX.
Product: Credit card or prepaid card

I had purchased a Vanilla Visa {$500.00} gift card from XXXX on XX/XX/23. When I got home, I noticed the card was tampered with. I called Incomm to set up a dispute. They asked for pictures of the front and back of card as well as receipt. I sent that to them on XX/XX/23. They said it would take 30 days to resolve. It's been 60 days and I have not heard from the company.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 1. XXXXXXXX XXXX - XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX XXXX I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX, DEPT OF ED/XXXX, 01 XXXX XXXX, 01 XXXX XXXX, 07 XXXX XXXX, 08 XXXX XXXX XXXX  XXXX XXXX XXXX, 08 XXXX XXXX 08 XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX/XXXX/XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX. 
XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage servicer is saying they wo n't accept my payment. I 'm behind but am now able to make two full monthly payments and they are saying the ca n't accept payment unless I make 4 payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thsi must be the 4th or 5th time I've disputed an item from Experian. XXXX XXXX XXXX XXXX XXXX  corrected and deleted data off of my report and Experian lazily will not do so. 

I include letters to Experian and the most recent dispute item from Experian today XX/XX/XXXX after I notified them of the erro for the 5th time.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : 1. XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting or other personal consumer reports

Recent updated information on credit report is inaccurate. 
- states that Ive lived at current address since XXXX. I have resided at the current address since XX/XX/XXXX. 
- updated Shellpoint mortgage Servicing to reflect 99 years Terms duration! How is this anywhere near accurate? 
XXXX XXXX reports scheduled payment amount as $ XXXX. XXXX received $ XXXX. I was NEVER notified by XXXX of ANY increase in monthly payments! If they are going to report on my credit they absolutely NEED TO INFORM ME OF ACCOUNT INFORMATION!!! 
-also what is 30 months duration? 

Every single dispute changes what is on my credit report from the previous dispute. Equifax claims to have verified this information!! Obviously its not been verified & my credit score is damaged because of this!
Product: Credit reporting or other personal consumer reports

I am Inquiring about the Validy of XXXX XXXX XXXX XXXX XXXX that is Charged off on my Credit reports that is Constantly Misreporting Inaccuracies this account has been on my reporXXXX XXXX  years and charged off XXXX  years every month, Misreporting Active Payment History, Late inconsistent Balance Reporting, Reaging Debt due to stature of Imitation, unlawful Changes in Deliquency Dates which is violation of my Rights under FCRA XXXX am Demanding a Deletion of XXXX XXXX off My Credit Report
Product: Debt collection

Law 15 usc 1692 ( c ) states If a consumer notifies a debt collector that the consumer refuses to pay a debt or the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt