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

On XX/XX/2022 I submitted a dispute regarding experian has failed to do a proper re-ingestigation into accounts they have continued to mark as Verified which is false. It is now 45 days or more since Experian has received the Dispute through the CFPB. I have been been trying to get them to correct and update the inaccurate information for a year now ... Experian stated in 30 days the Dispute would be finished but as you can see they have done nothing but waste my precious time... Please, suppress the information. Experian and the company are not in compliance and continue to violate my rights... They have as Neglected my important consumer report... If you do not Suppress or Delete within 5 days I am filing a Attorney General complaint. I will also Hire a consumer lawyer to raise the Issue in Federal Court. 

I have attached the previous CFPB report for supporting documentation ... 5 days thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently went to test drive a new car at XXXX XXXX. After a week of careful consideration I decided to apply for a loan for this car. Moments later I was approved for an extremely high interest rate and thats was unusual. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. I'm working on this on my own behalf and I need this taking care of as soon as possible. I've reported to the FTC and the police. I'm doing this on my own behalf. XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX.
Product: Mortgage

I filed a complaint and received a conclusion on XX/XX/XXXX. Of course, Chase did the investigation on elder discrimination and continue to ignore processed payments to them to state three months behind. Chase concludes the payment missed in XX/XX/XXXX. But I am still noted according to Chase three months behind this year XXXX. Chase did recognize my XX/XX/XXXX payment of {$640.00}, XX/XX/XXXX payment of {$640.00}, and XX/XX/XXXX payment of {$640.00} but ignores the payments on XX/XX/XXXX, payment & XXXX and XX/XX/XXXX. I want to understand why Chase continues to omit my XXXX and XXXX payments. I alleged Chase continue to ignore the payments to justify three months behind to foreclose on the home. The one-month payment behind was XXXX of XXXX and payments were given twice in XXXX. I am XXXX years old and one of the chase representatives did allege my house would be taken. I alleged Chase trying to go back few years to confused and create a lie. I do agree with going into XXXX one payment behind. I do not agree with missing three payments in XXXX. I alleged Chase is ignoring my XXXX and XXXX payments to put me three months behind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$0.00} XXXX  XXXX {$1800.00} XXXX   XXXX XXXX {$650.00} XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$300.00} XXXX  XXXX {$270.00} XXXX  XXXX  XXXX {$560.00} XXXX   XXXX {$1300.00} XXXX  XXXX {$410.00} XXXX  XXXX XXXX {$860.00} XXXX XXXX XXXX XXXX XXXX {$60.00} XXXX XXXX XXXX XXXX {$760.00} XXXX  XXXX  XXXX {$2400.00} XXXX  XXXX {$6300.00} XXXX   XXXX {$0.00} US DEP ED XXXX {$1300.00} XXXX XXXX   XXXX {$110.00} XXXX/XXXX  XXXX {$1400.00} XXXX  XXXX {$0.00} XXXX  XXXX {$270.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXXXXXX XXXX XXXXXXXX
Product: Student loan

Beginning when I was an XXXX-year-old university student, I took out XXXX XXXX, now known as Navient subsidized and unsubsidized student loans and later a " XXXX '' loan worth over XXXX between XXXX and XXXX - which was more than twice as much as I earned working my way through college - so that I could attend the University XXXX. It 's a relatively affordable school, but due to the fact that I was raised by a struggling single mother and my job at a XXXX paid only {$XXXX} per hour, I still needed money to make ends meet. I had no idea that, without a cosigner, I 'd end up with credit card-like interest rates, amongst a multitude of other problems. After taking time off from school to work and save money, I earned my XXXX XXXX in XXXX. After graduation I accepted a job working for a XXXX. Eleven short months later I lost my job when the XXXX. Entry-level jobs had dried up and I could n't even get a job at a local retail store. I was on unemployment making {$XXXX} a week for four months. So, with limited ( after rent, utilities, car payment and groceries it was really no income left over ) income and my private student loan payments, interest and fees, I was headed for default. 
Navient 's collectors called me up to 10 times per day, even on weekends and holidays. I spoke to one representative asking them about my options and the only option Navient offered me to avoid default and subsequent financial ruin was to pay a {$150.00} fee every three months to put my loans in " forbearance ''. But interest would still have continued to accrue. I filled out the paperwork and sent in my first {$50.00} check because at XXXX a week that was even a stretch. I have the carbon copy of that check but it was never cashed on their side and still says pending through my bank. My forbearance paperwork was never processed. I 've asked them to open my case and they deny any wrongdoing. Since this time, I 've been back to work for nearly a year and making all payments on time but those XXXX " missed '' payments, because they did n't process my request, have wrecked my credit and have the potential to haunt me for the next seven years, preventing me from buying a new home, leasing a car or getting a job - at least, with one of the 60 % of employers who check your credit before they hire you. I will continue to make my monthly payments to them but I want those XXXX missed payments removed from my credit so I can have a financial future again.
Product: Credit card

I got an offer to get XXXX dollars statement credit for XXXX dollars spending at XXXX XXXX XXXX for hotel room booking. I prepaid the first night room charge online and then call them to pay the rest to achieve XXXX dollars spending. However the rest are determined as General retail - Merchandise but not room charge. Ive already contact them about this but they said the will have an investigation but still no solutions. I want to get my XXXX dollars statement credit back.
Product: Credit reporting or other personal consumer reports

My correct name is XXXX XXXX XXXX XXXX and Transunion is reporting my middle name as XXXX  instead of XXXX. Please remove this inaccurate information from my Transunion report.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and notice I had fraudulent Inquiry on my report. Please remove this Inquiry from my consumer report. It is hurting my ability to obtain credit. 

XXXX : XXXX - XX/XX/year>
Product: Debt collection

In XXXX 2016 my son XXXX XXXX entered into a lease agreement with XXXX at XXXX in XXXX, CO with myself as the guarantor on said lease. After paying the initial unrefundable deposit as well as first month 's rent, due to unforseeable events, XXXX was not able to move into the apartment. He notified the office within 72 hours that his circumstances had changed and he would not be occupying the apartment ; he would be moving back to XXXX XXXX, SD for employment. The office would not release him from the lease agreement, so as his guarantor, I paid each month 's rent for the vacant apartment ( XXXX 2016- XXXX 2016 ), and after paying XXXX 2016 rent, I became aware of their 60 day notice of intent to vacate and contacted an apartment manager, XXXX XXXX XXXX, who emailed us required documents to do so. On XXXX XXXX, we emailed the XXXX XXXX XXXX 60 day Notice Of Intent To Vacate as well as a cashiers check for {$3000.00}, which XXXX expained to us was the fee to terminate the lease. A family member living in XXXX made contact with XXXX on XXXX XXXX 2016 and XXXX noted the apartment keys were in her possession at that time. As evidenced by our son 's account balance on XXXX XXXX 2016, my son had a CREDIT balance of {$3000.00}. We noted the cashier 's check was accepted by them. As of today 's date, XXXX 's account shows he has a credit balance {$1500.00}. We, ( my son, myself, and our legal assistance attorney, XXXX XXXX XXXX ), have tried to contact The Courtyards at XXXX for a status on this account. XXXX XXXX has sent letters on our behalf. On XXXX XXXX, 2016, we were able to speak to an apartment manager, XXXX, who told us she showed XXXX account as " cleared, complete, and he is a past tenant. '' We asked for final documentation on this lease and she stated we had to get that from IT DATA INTERNATIONAL (? ) We contacted them and were told by 'XXXX XXXX that he had no file for XXXX XXXX XXXX He told us to call back on Tuesday as they got new claims at that time. We asked what kind of claim (? ) and were told very sternly once again that he 'had no XXXX XXXX XXXX ' On XXXX XXXX 2016 we spoke with XXXX XXXX at IT DATA INTERNATIONAL who informed us he had a collection account for XXXX XXXX XXXX the amount of {$1600.00}. We asked what this could possibly be for. He stated XXXX sent our son 's account to collection on XXXX XXXX 2016 for unpaid rent- the exact amount the XXXX DEDUCTED from our son 's credit balance XXXX 2016! At this time our son 's account is in a collection status with the XXXX and 'XXXX ' now notes that he is a " skipped tenant with multiple fees to include painting, carpet cleaning, housekeeping and electricity. '' We told her he has had a credit balance in his account since XXXX of 2016 and she hung up on us. Each subsequent attempt to contact XXXX or their corporate office have gone unanswered. Additionally, XXXX XXXX was not able to ascertain any information today and advised us to contact you.
Product: Credit reporting, credit repair services, or other personal consumer reports

1ST OF ALL I FILE CHAPTER XXXX BANKRUPTCY 2ND US BANK FAILED TO REPORT F.C.B..A. DISPUTE SEE Attached letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having problems with Equifax. When I call, they are super illusive about my information and they keep me on hold for over an hour and when they see that I am patient, they hang up. They refuse to answer questions or update information. I have been hung up on while on hold 4 times in one day, that can't be by accident. My information has been compromised more than three times by Equifax. I am one of the people who was awarded free credit report and score due to the 2017 breach. 

They have messed and compromised my info more than 3 times, letting it be accessed on the dark web and for fraudulant reasons and they won't help what they have caused. I am tired and frustrated with them. 

I can not access my info on any other platform ( XXXX XXXX, XXXX, and XXXX ), aside from theirs and often times I have problem logging in. 

I have an error on my file, a misreporting I have been trying to get removed, which was removed from all other creditor files. 

XXXX XXXXXXXX XXXX. 

I have been asking to verify original debtor or proof that it belongs to me, ehich they can not provide because it does not. 

I simply wanted to get help and get someone from the fraud team to talk about it and dispute it. However, when I finally get someone after holding 30 -45minutes, they put me on hold for transfers and I always get mysteriously hung up on. 

I need help from CFPB to get this matter resolved and get my mishandled information in order with Equifax. Thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to EXPERIAN on XX/XX/2022 by telephone ( XXXX ) I was unable to speak with any live person. I then mailed a letter on XX/XX/2022 with an FTC Identity Theft Report attached stating that I was a victim of Identity Theft and asked the company to please delete the following inquiries because they are violating The Fair Credit Reporting Act block of information section. 15USC 1681C-2 which states these inquiries must be deleted within 4 days of receipt of my identity Theft report. 

I have received a response BY EMAIL from Experian stating that they added an extended Fraud Victim Alert to my report which will stay for 7 years. I did not consent to this alert being placed on my consumer report. The company never complied to my request to have the Hard Inquiries removed. I have not been valued and treated fairly. This company is doing whatever they want, and this is unacceptable.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Delll Pay I.E. Comenity Bank continues to call me, and is now using a " Private toll free Number ''. I've recieved 10 calls this week that are listed from Comenity Bank, never mind the private number calls. 
They called me on MONDAY XXXX @ XXXX, XXXX, and XXXX THURSDAY XXXX @ XXXX, XXXX, XXXX, and XXXX I did speak to a representative @ XXXX on Thursday XXXX who called from a " Private number " and stated that I've scheduled a payment and asked that all calls and communications to cease.
Product: Payday loan, title loan, or personal loan

On XX/XX/2023 I received an email from Explore Credit stating they charged my bank account in error and that they would refund me as soon as possible. I do not have a loan from this company, I never have, I do not owe this company money. They somehow debited {$300.00} from my account on the XXXX after sending me the email about some errors in their system. Theyre dragging their feet refunding me and this was my grocery money. This is unbelievable that a company helps themselves to hundreds of dollars when you have no business with them. Error or not I should be made whole immediately. I emailed them because I can not get through by phone on XX/XX/XXXX. They stated on the XXXX Id be refunded next business day. I replied asking them to delete my info after the refund. Instead of agreeing, I received a terse reply, the refund timeline was extended to 3-5 business days, and thats it. I just emailed them again, and they responded calling me XXXX. Who is XXXX? Im calling my bank and now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking for a car. Sat down and pick a car I liked. They told my I had the credit to go for it. So I did. Coming back there telling me that I needed a co-signer that same day. Come to find out I decline the offer n walked away .. every since then Ive still been charged and hitting my credit almost 80 points. My score was XXXX and now its XXXX .but applying for credit it was XXXX.
Product: Debt collection

CCSOffices.com, they ask for my husband. They give me no information. XXXX and I have racked our brains trying to find the debt. We do not have any debts in collections. I googled them, they have an impressive list of complaints as : Zombie Debt Collectors.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, CPS Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX & XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted many disputes as far back as of XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX there are account reporting on my credit report from equifax only there other credit companies have resolved the issues with fraud account and incorrect information this company still has an issue with fixing everything this has been happening since XXXX
Product: Debt collection

The apartment complex is stating that I own a balance. The lease was paid in full after lease end date. I did not receive a deposit back but they are trying to collect a balance of {$370.00} which I should not owe. This incorrect information is cause hardship in finding a new place as this is reported on my credit report.
Product: Mortgage

I have been in modification for several years with CitiMortgage. Today ( XXXX/XXXX/XXXX ), the underwriter erroneously closed my file 9 days prior to my sale date ( the sale date is XXXX XXXX, XXXX ). 
On XXXX XXXX, XXXX, four final documents were requested via letter : Lease agreements, XXXX taxes, 3rd quarter profit and loss and bank statements. I provided these four docs by the XXXX XXXX, XXXX deadline. They were accepted by CitiMortgage and I received written confirmation that all of my documents were successfully submitted. This was the final request for documents ( as confirmed today XXXX/XXXX/XXXX ) by XXXX XXXX at CitiMortgage. 

Today, XXXX confirmed that my file was closed for failing to provide a " recorded quit claim deed ''. This was not requested on my final document request letter from XXXX XXXX, XXXX. She agreed over the phone that this was an error and asked that I submit another complaint to the CFPB. They appear to be continually misleading me and intentionally trying to circumvent my due process under the CFPB fair practices laws. I consider this an intentional infliction of XXXX on me and my children. We desperately need to stay in our home. CitiMortgage needs to be shut down until they correct this behavior or it will just continue. They have no reason to comply with CFPB rules if they repeatedly violate them without consequences.
Product: Debt collection

A written letter request of Validation of debt was sent XX/XX/2022 to Professional Placement Services [ L.L.C ]. This company responded on XX/XX/XXXX with only one forms of the validation consisting of amount owed and the organization. 

Professional Placement Services [ L.L.C ] has failed to provide copies of any papers that show that I agreed to pay the amount you are stating is owed. 
Provide a verification or copy of any judgement if applicable. 
Prove the Statute of Limitations has not yet expired on this account. 
Provide me with the license that you are allowed to collect within my state. 
Provide me with license numbers and Registered Agent or Agent of Service/s. 

Professional Placement Services are in violation of the following 3 below : Violation of the Fair credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation Of Character Professional Placement Services [ L.L. C. ] has failed to provide proper documentation as requested in the following Declaration. During this time all collection activity must cease and desist.
Product: Credit reporting or other personal consumer reports

Submitted dispute via TransUnion ( XXXX XXXX ). On XX/XX/year>, dispute # XXXX. 
Attempted to dispute issue before, but was always denied. I requested that the lender or debt collector produce the identity verification that was used to issue the loan. I did not open the loan and when you investigate If the lender actually provides the same identity verification used to acquire the loan. You will clearly see that I am not the one who is doing this.
Product: Money transfer, virtual currency, or money service

Hi, this is a continuing problem that will happen every time I try to do it. 
I have an account with td bank. I was able to access the XXXX XXXX thru td 's online banking as that is what they offer. At some point XXXX flagged us for something and froze our account. We can therefore not send or receive money using XXXX. 
We do not know why we were flagged. Td bank can't tell us as XXXX is the one that flagged us. XXXX won't talk to us because we have the service thru a bank. Sooooo ... ... here we are. We have no access to XXXX with no way to find out why, let alone fix this problem. I would like to be able to use XXXX. It's a big part of online banking.
Product: Vehicle loan or lease

On XX/XX/XXXX I decided to work with XXXX XXXX XXXX  to purchase a new vehicle. I was denied because they wouldn't accept the check stubs we get at my place of work. Which is direct violation of 15 usc 1611. Therefore it has caused me harm and stress. Furthermore I asked for there TIN and I was denied and given a false cooperate number by one of there associates which we have on recording. We will be sending our intent to sue letters to this company as well. This is also in direct violation of 15 usc 1635 and this will cost this company. Also thank you for that rude as phone call on XX/XX/2022 and giving false infortmation. That agent needs to be fired not understanding consumer laws.