23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Beginning in XX/XX/2023, I requested a copy of my consumer report after being denied an extension of credit from an auto dealer. Upon reviewing my reports I found several inaccuracies throughout my report. I then submitted dispute letters to validate and correct the information. I received a response from the credit agencies that simply said the information was verified. However, in my dispute letters, I required that the reporting agencies provide me with the initial account documents that would have established the alleged debt as well as the procedure used and the parties involved in their investigation. None of that was provided. After the first, second, and third attempts to get this information that is required by law when requested, I sent another letter informing them of their willful negligence to comply with the law and my rights to privacy, accuracy, and fairness in the reporting and sharing of any of my personal information. However, my requests for them to comply with the law are still to date being ignored and I am still being willfully violated. I have included with this complaint, a copy of the letters and invoices I have provided to the agencies for violating the consumer protection laws that were created to protect my privacy rights and fairness in the reporting of my personal information. As a federally protected consumer, I have been financially and emotionally injured by these private agencies who are actively committing identity theft as I have not authorized in writing or otherwise the reporting of my non-public personal information or transaction history as it relates to the alleged debts and accounts disputed.
Product: Credit card

Synchrony Bank Verizon Visa Card. Starting in XX/XX/year> Synchrony Bank will start charging a monthly {$1.00} fee to receive a paper bill in the mail. Contacted Synchrony customer service and the management via phone on XXXX to complain about the fee. They state there is nothing they can do to stop the new fee. I did not agree to any new Terms & Conditions, but they do not care. This new fee and change is an unfair business practice and a terrible way to treat a customer that ALWAYS pays the bill on time and the account remains in good standing. 

Additionally, I reported this new fee directly to Verizon to ensure they know how Synchrony Bank is now charging additional junk fees. I requested Verizon re-evaluate their relationship with Synchrony Bank the Verizon Visa card issuer. It is in the best interest of the customer that Verizon knows how their customer is being treated by Synchrony Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

REMOVE FRAUD ALERT FROM XXXX, EQUIFAX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I begin to investigate my consumer report after hearing about the major agencies neglect in reporting inaccuracies and incomplete information on consumer reports. My investigation found several inaccurate and incomplete accounts reporting. I challenged the data furnishing agency TRANSUNION, XXXX, AND XXXX about the inaccurate and incomplete accounts and was told the accounts from all three agencies were reporting accurate and complete when in fact they didn't do any investigating. had a proper investigation been done they would have noticed the incomplete and inaccurate data.1. XXXX has three different accounts number after being made aware that the accounts were reporting wrong. 
2.XXXX XXXX XXXX XXXX XXXX, is also reporting three different account numbers after being made aware and also the last date of payments is different on two and missing from one when its mandatory that it report. 
3. XXXX XXXX XXXX XXXX, is reporting three different last date of payment also no last day of activity is reporting when is mandatory and the account numbers are also three different numbers how could that be if a PROPER INVESTIGATION WAS DONE PLEASE REFER TO ATTACHED DOCUMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX account is reporting on XXXX credit report that is not mine. I disputed it twice but it still hasnt fallen off. I disputed it online and mailed 2 letters to the dispute center but it still appears on my credit report.
Product: Debt collection

Paid back in the XX/XX/XXXX to a debt collecter, sold again after paid to XXXX in XXXX, AR they apparently filed a judgement but never tried to collect, I went around and around with them and Citibank finally got it clear up and off my credit record bought and sold XXXX houses in XX/XX/XXXX some debt collector name XXXX, Ar refiled a judgement on me that has kept us from selling our house. Debt collector made mention in letter why I thought it was paid. I do n't keep records that long but I did contact my bank where I bought and sold home it shows paid, verified by the credit bureau and show on my credit report in paid status with the date, I have ask XXXX to verified this debt and they refuse, but continue to hold judgement on me. I have called there office they have went from XXXX to XXXX to XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. There is a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.
Product: Money transfer, virtual currency, or money service

To describe what happened I will state that I was discriminated against quite repetitively by multiple representatives of " Coinbase ''.
Product: Credit reporting or other personal consumer reports

I do not recognize these XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX This information is incorrect XXXX XXXX XX/XX/XXXX This inquiries were not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

XXXX   XXXX  is supposed to be a closed account you closed it and re opened it and it dropped m y credit score afte r I already filed an complaint and it reported as a closed account that 's charges off what 's the problem it 's closed on both  XXXX  and  XXXX
Product: Debt collection

Pursuant to 15 usc 1692 C ( 2 ) I am invoking my specified remedy as a consumer and the original creditor I am demanding all accounts be removed from third party agencies because I have a right to privacy the agreement was between XXXX parties not any of the agencies that have my personal information on a website this is my right given by fair credit act PLEASE REMOVE FROM ALL AGENCIES IMMEDIATELY
Product: Credit reporting or other personal consumer reports

XX/XX/2023 the following companies ran my credit report without my authorization. 
XXXX XXXX Ally Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 the following companies ran my credit report without my authorization. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are incorrectly reporting that I am past due on an account that has a {$0.00} balance and {$0.00} past due. This is harming my credit and is obviously impossible to be past due on something that does not have a balance.
Product: Credit reporting

There are several inquiries on all XXXX credit bureaus ( XXXX, Equifax and XXXX ) that do not belong to me.
Product: Credit card or prepaid card

On XX/XX/XXXX, I got caught in a timeshare fraud while in XXXX. I charged about {$7500.00} on two cards. One was {$3500.00} to my Wells Fargo Visa card which they retuned to me but the {$3900.00} on my Wells Fargo XXXX XXXX card was rejected. Four days after I signed the contract on XX/XX/XXXX, I emailed the company and said I didn't want it. I again emailed the company on XX/XX/XXXX. I informed the credit card companies on that date also. The WF XXXX denied my request, saying I did not follow the directions on the contract to cancel in writing not email. I involved the Mn attorney general and they did what they could, including sending a letter to the address I had for the timeshare company but it was returned with no known address. The MN ag has had no luck with WF XXXX. They suggested I contact you. Thanks for any help you can give me. I no longer have the card.
Product: Debt collection

On XX/XX/XXXX, I responded via certified letter to a letter I received from a collection agency in which I requested validation of the debt they claimed I owed. I requested specific signed documents showing that I owed said debt and also included a declaration to be completed, signed and dated by the authorized creditor ; then I sent the letter via certified mail with return receipt requested. On XX/XX/XXXX, my letter and its attachments ( 6 pages ) was received and signed for by the collection agency. As of XX/XX/XXXX, more than 6 months later, I have not received a response from the collection agency, yet they continue to report to the credit bureaus, a clear VIOLATION of my consumer rights pursuant to the Fair Debt Collection Practices Act. This action may constitute as FRAUD under Federal and state laws. On XX/XX/XXXX, I sent a certified letter to the credit bureaus asking that they remove said invalidated account from my credit profile. I received an updated credit report from XXXX  dated XX/XX/XXXX that showed the account was still being reported. These violations has caused me harm and must be remedied immediately. Kindly help. Thank you.
Product: Mortgage

On XX/XX/2021 my spouse and I attempted to refinance our home to pay down debt. I solicited Loan Depot. XXXX XXXX was the " loan originator '' I spoke with that got the process started. I explained to him that we had a very bad experience with a loan servicing company named " XXXX XXXX '' and that we did not with to do any type of business with them. XXXX XXXX promised me that Loan Depot would not sell our home loan, that Loan Depot would be our permanent servicing company going forward. In a three week period, there were three loan estimates that contained multiple errors. XXXX XXXX flat stopped returning my phone calls and failed to respond via email. Additionally, after I submitted proof that I am property tax exempt Loan Depot started coming up with excuses not to move forward ; they wanted thousands for an ESCROW account that included property taxes. After I submitted proof of tax exemption, Loan Depot then said they could not prove I paid my mortgage payments during the last year. Loan Depot charged me up front for a credit report that clearly depicts my loan payments were made. I also had to pay up front for a VA appraisal. When I finally fired Loan Depot, it took me several emails to get my appraisal from them. Also, I did attempt to change offices with Loan Depot but they refused to allow that ; called me " demanding ''.
Product: Mortgage

I have been assessed a {$100.00} fee that I am not responsible for. 

Mr Cooper Mortgage of XXXX, TX has charged me {$100.00}, accusing me of changing my bank account number. 

The details are in the attachment.
Product: Debt collection

Despite the passage of the mandatory 30-day timeframe, I have yet to receive any valid verification of the fraud accounts in question. This raises a multitude of questions in my mind, the foremost being : WHY ON EARTH DOES YOUR BUREAU PERSIST IN REPORTING THESE ACCOUNTS WHEN IT HAS FAILED TO PROVIDE THE REQUIRED VERIFICATION WITHIN THE SPECIFIED TIMEFRAME? I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. The lack of responsiveness from your bureau is not only astonishing but also a blatant violation of the FCRA. It leaves me questioning the efficacy of your investigative processes and the commitment to upholding the rights of consumers. If your bureau can not provide valid verification within the mandated timeframe, it is only logical that you refrain from reporting these dubious accounts and causing further harm to my creditworthiness. 
XXXX XXXX -PLEASE DELETE!!! 
XXXX XXXX -PLEASE DELETE!!! 
XXXX XXXX -PLEASE DELETE!!! 
XXXX XXXX XXXX-PLEASE DELETE!!! 
It is with a dubious sense of irony that I question the credibility of a bureau that continues to report information it can not substantiate within the stipulated timeframe. I implore you to take a moment of introspection and consider the implications of your actions on the lives of consumers. The continued reporting of these fraud accounts without valid verification is not only an affront to my financial well-being but also a disservice to the principles of accuracy and fairness outlined in the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes via certified mail and online, asking for documentation of what this ( XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) ) debt is, dates and how the balance was calculated. I have received nothing. There is no information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5900.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

I was charged a XXXX XXXX XXXX XXXX which was not disclosed to me until trying to pay the debt.
Product: Credit reporting or other personal consumer reports

Reached out to Equifax Consumer Reporting Agency because I noticed I had two unauthorized accounts on my Consumer Report, one account was XXXX XXXX XXXX and the other account XXXX XXXX  XXXX. Both of these accounts have inaccurate information on me and these accounts I deem to be FRAUD. Its been over Thirty days since I reached out to Equifax Consumer Reporting Agency, no one has reached back out to me with any information.
Product: Student loan

I still haven't received information from AES or XXXX about the entire reasoning behind XXXX denying to take actiong on a Contractual Guarantee found in my Student Loan Promissory Note. I waited back for over a month to receive a response of " Unfortunately, your loan owner is not taking taking action on your requestfor an exception due to school misconduct or closure ''. This message was in response to a request to AES for a full explanation that I was promised by XXXX which XXXX STILL HAS NOT DELIVERED. Both AES and XXXX have failed to adequately explain why they are refusing to honor the Contractual Guarantee or why both parties continue to send statements and calculate interest on a loan that by its own terms and conditions are eligible for discharge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing inaccurate information reporting on my credit reports from the following lenders below. According to my records I have never applied for any loans or credit with the original creditor and these items may report on my account because of fraudulent activity. Accounts list as follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act These Accounts have 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

I received a notice of garnishment of wages from Gurstel Law Firm. There is no information regarding the alleged amount, nothing stating they are a debt collector or that it was an attempt to collect a debt. The documents presented appear to be a court matter in the state of Minnesota but when I looked into it, there is no case in XXXX  County or any other court in Minnesota. I have asked them twice to validate the debt and disclose the alleged amount owed. I do not even know what the alleged debt is for. I have written to them twice ( XX/XX/XXXX andXX/XX/XXXX) requesting the debt be validated and the amount be disclosed and they still have not done that.
They have violated the FDCPA in the following ways : 1. Provide proof of the alleged debt, including all original contracts, agreements, promissory notes, amounts due, amounts paid, interest, fees, charges or incidental expenses allowed within the original contract, or in what state that debt is owed ; 2. Provide the amount allegedly due on the alleged debt, along with an itemized statement of the original amount owed, paid, interest, fees, charges or incidental expenses allowed within the original contract which created the alleged debt or that is permitted by law ; 3. Provide proof that there is in fact a judgment against me in any state in the continental United States of America ; 4. Provide proof that there is in fact a judgment or that a case has been docketed in XXXX County or any other county in the State of Minnesota ; 5. Provide original documentation of the alleged debt, including original signed contracts, agreements, promissory notes and the like ; 6. Their correspondence failed to state that they are a collection agency licensed by the Minnesota Department of Commerce [ MN Statute 332.37 ( 21 ) ] ; and 7. Provide sufficient, clear language in your letter regarding this alleged debt, the suit, the garnishment process and the amount allegedly owed.
Their offices have falsely represented to me that the documents they provided to me are a legal process or have a legal case docketed in XXXX County in the State of Minnesota.
Their company simply wrote a second letter which I received Friday, XXXX XXXX 2017 stating they would like my attorney 's name and contact information and I had ten days to respond.
I had told them I spoke with my attorney i did not say I retained his help in this matter in my correspondences.
They still did not validate the debt, provide any information about the debt, disclose they are a debt collector or the alleged amount I supposedly owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data n my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX Balance : {$470.00} XXXX OF XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$2300.00} XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00}
Product: Credit reporting or other personal consumer reports

I have repeatedly submitted complaints and have gotten nowhere, Kikoff Lending LLC keeps saying my email address is incorrect when I have stated to them numerous times my physical address was incorrect so their notifications that they said they mailed informing me that my account would be put in collections were never received. They have sent this incorrect information to these complaints numerous times and you at the CFPB have missed the point. I was not given any notification as they stated and want the chart off removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXBalance XXXX {$4800.00} XXXX XXXX XXXX  XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXBalance : {$4800.00}
Product: Credit reporting or other personal consumer reports

I received a credit monitoring alert today, Tuesday XX/XX/year> that I have a credit inquiry from : XXXX. 

I did not apply for nor authorized this company to pull and access my credit report.
Product: Credit reporting or other personal consumer reports

CFPB Complaint Against XXXX Subject : Failure to Conduct a Manual Review of Dispute as Requested Use of E-Oscar System Summary of Issue : On XXXX XXXX, I filed a dispute with XXXX XXXX inaccurate information on my credit report. I explicitly requested a manual review of the disputed information due to the complexity of the inaccuracies and submitted highlighted copies of my credit report with the incorrect information clearly marked. However, XXXX processed my dispute through the E-Oscar system rather than conducting the manual review I requested, which violates my right to a proper investigation. The response I received from XXXX was unsatisfactory, vague, and did not address the specific questions I raised. 
XXXX XXXX : XXXX used the E-Oscar system to electronically send a notification of my dispute, including a summary of relevant information, to the furnisher of the disputed information. In their response, XXXX stated : THE FURNISHER REVIEWS THE INFORMATION PROVIDED, CONDUCTS AN INVESTIGATION WITH RESPECT TO THE DISPUTED INFORMATION, AND REPORTS THE RESULTS BACK TO XXXX ELECTRONICALLY ... XXXX XXXX USE A BUSINESS VENDOR TO OBTAIN THE MOST RECENT FILING FROM THE PUBLIC RECORD SOURCE. 
This response failed to address my specific request for a manual review, and XXXX provided a generic response about their standard procedures rather than directly answering the questions I posed.