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

Good Afternoon, XXXX, EQUIFAX, AND XXXX have not properly conducted an investigation regarding a negative account on my personal credit report. 
On XXXX XXXX i certified mailed off a letter ( in which i still have a copy of ) requesting documentary proofs ( the hard copies ) and evidence of the alleged debt being claimed against me. I received a response but unfortunately still have not received any hard copy proof like i originally requested and stated if unable to provide proof, please remove the account completely and immediately. 
I appreciate your time in this matter and i'm able to provide any and all information needed to resolve this issue correctly.
Product: Mortgage

We had our mortgage financed through AmeriHome. We refinanced in XX/XX/2020, with XXXX. We are owed an escrow refund of over {$3000.00} from AmeriHome. We have called several times since XXXX and have been given various responses saying, the check was on its way. The company clearly has our correct mailing address as we have received our tax paperwork stating we have received our escrow check ( which we have not received ). Each time we call, it is a 1+ hour ordeal and they assure us we will receive our escrow check by the end of the week. When we ask to speak to a supervisor, there is never one available. We are assured one will call us back within 48 hours and that never happens. 

When you contact AmeriHome and provide our account number, they will initially say it is an inactive account ( or something similar ) because the loan has been paid off, which adds to the difficulty of getting our escrow check. 

Please help us!
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It XXXX Concern, 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 am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right 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. 

These discrepancies are honestly impacting my life. I never authorized these, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well violation to my privacy. I am requesting your credit bureau to initiate an investigation to determine the responsible parties. I respectfully request a copy of any documents and an updated copy of my credit report according to 15 U.S.C.Sec.1681i ( a )? there should be no charge. 

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 Thank you for your time and help in this matter. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried disputing items from my report. i have not received any update
Product: Payday loan, title loan, or personal loan

I bought my home in XX/XX/XXXX, shortly after I received a notice in the mail that I had a package. So I was thinking that maybe a package was trying to be delivered that I missed. So I called the number and found out that it was regarding a water softener. 

The sales man came out like the end of XXXX beginning of XXXX, went over his sales pitch and showed me how bad my water was and how if I get their water softener all the benefits that come with it. 

He then start asking me how much we pay for drinking water, dishwashing liquid, hand soap, filters for the refrigerator, and laundry detergent. It came out to like {$110.00} a month. He then said we can cut that in half {$54.00} and give you free dishwashing liquid, shampoo. hand soap, and laundry detergent. He ended it with you'l pay {$54.00} a month for 5 years, and I had 3 months to start paying, in which my first payment, would be due XX/XX/XXXX. He just needed to do a credit check and send an installer out. 

Awesome right, wrong! The installer came out, he had to drill holes in the wall, unbeknownst to me a that was never mentioned. Then the water was soft the first 3 months, now it's feeling hard again even after we bought bags of salt from XXXX. With our ice maker on the refrigerator he pointed out you see all this white residue was the chlorine that's in the water prior to the installation of the water softener, however after the water softener it's still a white residue, so pretty much nothing changed. 

Here 's what brings me to my complaint today.I feel like I was GOT, this was a gimmick. I look at my credit report often since I'm a victim to identity theft. I noticed that Aqua finance is on my credit report, reporting the product at {$46000.00} and the balance that's due today is {$4400.00}. If you take the {$54.00} I was told that was due each month and multiply that by 5 months that's come up to {$270.00}, right, wrong. For every payment I make for {$54.00} {$37.00} goes to interest, in which that was never discussed. So out of my {$54.00} only {$16.00} is going to the premium. 

Since it was a loan, I figured it was like you going to The XXXX XXXX or XXXX, where you get a piece of furniture and all the finance charges are included in that monthly fee. Well I called the customer service number on Thursday and basically the rep was like yes the interest is like {$1.00} a day. Now come on do you think I would've got myself in debt like this, I'm very smart when it comes to my money, I just don't spend it carelessly. 

Now the sales man lied to me and keep in mind I didn't receive my first bill until XXXX by that time it's too late to return the waters softener because you only had like 3 days to do that after installation. This company is a rip off and they need to be shut down.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


DEPT OF ED/XXXXE XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXXE XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF EDXXXX XXXXXXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Hard Inquiries that I don't recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I returned a purchased item to XXXX. I payed all but the returned amount. They contacted me the week of XX/XX/2020. I told them to please look into why my account still had not been credited for the return. The woman said she would look into it. 
The week of XX/XX/2020, they repeatedly called my XXXX year old father-in-law ( who still has a landline with a published number ). They have my contact information and have spoken with me. There is no need to continually phone a family member. They should be contacting me directly. In my research, I have found this is not legal for them to do.
Product: Credit card or prepaid card

In late XXXX I noticed a charge that wasn't authorized. I contacted Destiny card customer service to report it and they closed my card without even asking me. I asked if that is their company policy to close down cards customers dispute unauthorized charges on? Representative stated yes. About 45 days pass and I never received a replacement card. I called them to find out what was going on. They explained it can take 6 weeks and I said that's about how long it has been. I looked at my on line account and my XXXX statement had a unknown address on it and I never changed it or gave anyone permission to do so. I've been living at same address for years. The rep said they would correct the address and send out a new card. I waited over three weeks and my card never came and I also started receiving e-mails about my payment being due. I called again and complained that I still have no card and I have no statements and my online access shows no balance or payment due. The rep checked my account and agreed that no payment was due. He verified my address and it was the same address I told them I had no knowledge of. This rep told me it would be corrected for sure this time. The very next day I get a credit monitoring call from XXXXl XXXX about XXXX receiving a delinquent credit card payment report from Destiny AKA Genesis Financial. I logged onto my XXXX XXXX account to discover my credit score had dropped XXXX points in one day because of this creditor. I thought the fair credit billing act made what they are doing to me illegal.
Product: Credit reporting or other personal consumer reports

I recently received a notice from Fair Collections & Out, Date opened XX/XX/2023 Account number XXXX Original balance {$2200.00} However, I want to emphasize that this account is not mine and has never belonged to me. 
I have several reasons to believe that this account is an error, including but not limited to : 1. Identity Verification : The account in question does not match any transaction or credit history associated with my personal information. I have verified my records thoroughly, and there is no history of any dealings or financial agreements with the creditor stated in your notice.

2. Lack of Supporting Documentation : The information provided to me lacks any concrete evidence or documentation supporting the validity of the debt. I have not entered into any agreements with the alleged creditor, and I request that you provide detailed documentation verifying the legitimacy of the debt.

3. Potential Identity Theft : Given the absence of any record related to the mentioned account, I am concerned that this may be a case of identity theft. I urge you to investigate this matter promptly to prevent any further misuse of my personal information.

I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), and I request that you take immediate action to : 1. Cease any and all collection activities related to this account.

2. Remove any negative remarks or entries related to this disputed account from my credit reports.

Furthermore, I request that your agency conduct a thorough investigation into this matter and provide me with the following information : 1. Verification of the debt, including any signed agreements or documents demonstrating my obligation to pay.

2. Details of the original creditor, including their contact information and the original account number. 
I expect a prompt response within 30 days of the receipt of this letter, confirming that the erroneous account has been closed and that any negative reporting related to this account has been removed from my credit reports. 
Thank you for your immediate attention to this matter. I look forward to your prompt resolution of this dispute.
Product: Credit reporting or other personal consumer reports

I am currently reviewing my TransUnion Credit Report and there is an address reporting on my report that is not mine at all. 
Below is the address that I would like to have permanently deleted from my TransUnion Credit Report : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. The XXXX XXXX XXXX XXXX Acct # XXXX. 
2. XXXX XXXX XXXX. Dated : XX/XX/XXXX. 
3. XX/XX/XXXX. Acct # XXXX. 
4. XXXX XXXX. Dated : XX/XX/XXXX. 
5. XXXX XXXX. Dated : XX/XX/XXXX. 
6. XXXX XXXX. Dated : XX/XX/XXXX. 
7. XXXX XXXX. Dated XX/XX/XXXX. 
8. XXXX XXXX. Dated : XX/XX/XXXX. 
9. XXXX XXXX XXXX : XX/XX/XXXX. 
10. XXXX XXXX. Dated : XX/XX/XXXX. 
11. XXXX XXXX. Dated : XXXX/XXXX/XXXX 12.XXXX XXXX XXXX XXXX Dated : XX/XX/XXXX 13. XXXX XXXX. Dated XX/XX/XXXX. 
14. XXXX XXXX. Dated : XX/XX/XXXX. 
15. XXXX. Dated : XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have a 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 written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No Consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ). A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Security Collection Agency is trying to collect a debt of {$100.00} that has been paid. This was covered by insurance and I have confirmed with the original creditor no balance was owed. I have disputed this several times and they did delete this account from XXXX, but not from my XXXX credit report. This is a false claim and it is damaging my credit and I want it to be removed from ALL credit bureaus.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I recently reviewed my credit profile and noticed quite a few inaccuracies, falsifications, incomplete information, as well as accounts that are Un-Verified and more. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all of the information that is inaccurate, incomplete, or which can not be verified. 
It is also my understanding that Under the FCRA 15 U.S.C 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediate The infractions are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not only is it illegal for a 3rd party collection agency to even reach out to me to pay an old debt, the information is 100 % false! - inaccurate. I never gave anyone my written consent for anything.i DONT NOT OWE THEM!! NOT ONLY THAT WHY ARE CLOSE ACCOUNTS STILLS HOWING UP? I have no clue who that is. I WASNT EVEN IN SCHOOL ANY OF THOSE YEARS. I DEMAND YOU ALL TO DELETE THAT. 



I am demanding that both of these accounts be updated to paid as agreed and Never Late By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIACE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 

My name is wrong!!!!! I also want to know where the fake names originated from. That is a lot of violations. There are XXXX name violations that are inaccurate as well!!!! No
Product: Debt collection

I made a complaint and told the company this is not my debt they insist on me paying for something I did not use. My auditor who was living in my household used my information to secure the debt and the police wouldnt help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon rechecking my credit report I've noticed the same errors are still on there despite the violations I provided. This is my last time bringing this to your attention before I file for litigation. You are XXXX my reputation, and defaming my character by reporting Information that goes against my rights, and the laws of congress. You are sending pre-written generated letters that are not solving the issue, for instance, pursuant to 15 U.S.C 1681a ( 2 ), any report containing a transaction or experience is to be excluded from a consumer report. All the accounts I've shown were the case. So by now your willfully ignoring this law which is adverse to me and is grounds for actual damages. I'm demanding you remove it immediately and I will use this complaint as an exhibit if you choose to ignore or misdirect my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$7.00} XXXX XXXX XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX XXXX XXXXXXXX Balance : {$70.00} XXXX XXXX XXXX XXXXXXXX Balance : {$190.00} XXXX  XXXX Balance : {$21000.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/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
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the unacceptable practices of several entities concerning multiple accounts on my credit report from XXXX, Equifax, and XXXX. In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

What in the world is happening here that my concern was not attended by Experian!! I am exhausted sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX/XXXX XXXX, XXXX   XXXX, XXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, XXXX XXXX XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX , XXXX ( Original Creditor : XXXX  XXXX ) XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX  XXXX TX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Product: Debt collection

Midland Credit Management has had me served court papers in the last XXXX months threatening to garnish my wages and take me to court. I did not authorize or consent to my information being given to a third party by XXXXXXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The complaint is with Southwest Credit Syste. They are garnishing a XXXX dollar debt on XXXX, XXXX, and XXXX. After receiving my cease and desist they have still contacted me multiple times and have negatively impacted my consumer report which further impacted my life. The account was opened XX/XX/2021. Southwest Credit Syste who is based out of XXXX, Texas have broken many laws under 15 USC 1692. And continue to break them with no recourse.
Product: Credit reporting or other personal consumer reports

After reviewing my consumer reports with all three reporting bureaus, I discovered some instances of late payments on an account that I have always made on time payments for. Consumer reporting agencies are required to accurately report consumer information. These reports affect consumers ' lives. I have never missed a payment on the following account : XXXXXXXX XXXX Credit Card XXXX Account # XXXX. I request a COMPLETE investigation into these discrepancies and kindly ask you to provide evidence, such as statements, demonstrating the lateness of these payment in the month of XXXX XXXX or XXXX XXXX. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay. Also, they reported this payment " late '' in DIFFERENT months, the information does not match other bureaus and is simply false.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

I used Ba nk of America '  s online Bill Pay function to send two pay ments to my other financial institution ;  XXXX  for {$75.00} for a credit card payment and  XXXX  for {$78.00} to cover my auto loan on  XXXX / XXXX /  XXXX  . The other financial institution rejected those payments on  XXXX / XXXX /  XXXX   because they said the account numbers did not match what they had on record. The processing time on their end to send back to B of A was 2 days, which means B of A would have received the rejected funds on  XXXX / XXXX /  XXXX  . B of A has refused to issue my account a refund for the total of the payments and denied that the payments were not received by the other financial institution until I had a  XXXX  telephone conversation with my other bank and a B of A representative. They still refuse to refund my money and have no explanation as to why or where my money is.
Product: Checking or savings account

I am writing to file a formal complaint regrading Navy Federal Credit Union handling of overdraft fees on my account, which ultimately lead to my account becoming negative from overdraft fees. I believe that navy federals practicesu in assessing and handling overdraft fees were excessive, inconsistent and resulted in significant financial harm.