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

From XX/XX/XXXX until present XX/XX/XXXX. I have asked all three credit bureaus ( XXXX, XXXX, and TransUnion ) to remove all old addresses, and phone numbers. They continue to report mixed information. My current, and the only address that should be reported is XXXX XXXX XXXX, XXXX XXXX, Michigan XXXX. I have obtained letters from the court explaining that they do not provide information to the credit bureaus. I have opted out of XXXX XXXX and asked for a security freeze. I have a bankruptcy dated XX/XX/XXXX ID # XXXX USBK Court XXXX Michigan and disputed the bankruptcy several times, but they continue to report it. I would like the Consumer Financial Protection Agency to take the necessary steps to correct this unlawful act. Please investigate within the required time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$640.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX Balance XXXX {$580.00} XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I had an auto loan through XXXX XXXX XXXX XXXX XXXX, but the vehicle became undrivable. To settle the account and have it removed from my credit report, I worked with XXXX XXXX XXXX, XXXX, which helped me negotiate a settlement of {$5500.00}. This payment was made on XX/XX/year>. 

Afterward, I contacted XXXXXXXX XXXX XXXX to inquire about removing the account from my credit report, but they refused to provide any timeline or information. Since this issue prevents me from purchasing another vehicle, I filed a dispute with XXXX on XX/XX/year>, attaching the settlement receipt and satisfaction of judgment. XXXX closed the investigation on XX/XX/year>, without updating my credit report. 

I filed a second dispute with XXXX on XX/XX/year>, including the previous documents and an emailed statement from XXXX XXXX XXXX confirming a {$0.00} balance. However, XXXX closed this investigation on XX/XX/year>, again without updating my report. 

Since then, Ive received court documentation confirming the case is satisfied and an email from XXXXXXXX XXXX XXXX stating the payment was made, yet the account remains unchanged on my credit report. This is critical, as I can not proceed with purchasing a new vehicle until the account is updated.
Product: Credit reporting

I disputed a collection account on my credit report with XXXX XXXX XXXX account number XXXX. I contacted XXXX in XXXX 2016 disputing this account and XXXX sent me a letter stating that the account did not belong to me and that they would remove the account from my credit report. After considerable time, the XXXX account was not removed. I initiated a dispute with Equifax and sent a copy of the letter from XXXX relating to this account and that the account should/would be removed. 

Equifax responded that the account was verified and he information was reporting correctly. How is this possible, when the XXXX sent a letter stating that it did not belong to me and it would be removed. Equifax has violated the FCRA and dishonestly keeping this account on my credit file. I provided the verification from XXXX, so why is the account not removed instead of updated with bogus verification. 

This account should be removed within the 15 days allowed for response relating to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

i submitted all requested information for security freeze but i received an email to call this company. 
I am hard of hearing, I am currently out the country and cant make calls and I am hard of hearing. Also, I prefer all communication through email or regular mail for to have a paper trail of my request and the company responses
Product: Debt collection

I was contacted by the collections agency attempting to collect a debt that they never billed me for. I asked them to send me a bill and for simple validation of the debt by phone and by certified mail. Instead giving responding to my letter, the reported the debt shortly after, not allowing me the 30 day period in wich they were not to report the debt to the credit bureaus and I was never sent any form of validation till this day. This is the XXXX company trying to collect thid debt from me and neither of them were able to validate it but Diversified Consultants were the only ones who reported the XXXX debt that was claimed to me mines.
Product: Mortgage

We applied in to refinance our house because of the high interest rate of 6.50, at that time the rate had dropped as low as XXXX. Citibank acquired our loan in 2006 from XXXX. Citibank was fully aware that they did not service manufactured homes when they purchased our loan. Our house has a different status that is to be considered the same as a standard house. Documentation was presented from the State Housing Department, Citibank refused to recognize the documents. Citibank refused to allow a refinance or later assistance due to hardship. A representative even stated,. that they should not have purchased this account because they do not service those kind of accounts but because they have it we are basically stuck with paying the higher rate. I feel Citibank refuses to recognize or housing status to ensure we are not allowed to lower the interest rate to force us to continue to pay the {$2800.00} mortgage payments., As a homeowner we have the right refinance if we quantify by our pass payments and credit score, both were OK according to Citibank when asked. We contacted our XXXX and the state housing department later we were referred to cfph for assistance.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate items from my credit report, which I believe are negatively impacting my XXXX XXXX. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and deletion. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information.I have no clue what in the world the Credit Bureaus are trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The Credit Bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). Kindly help me remove the following items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX Bankruptcy : Bankruptcy ) I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as it does not belong to me. This account is reported false through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Debt collection

I am being harassed & having my Credit destroyed by a Collection Company for an Automotive Insurance Bill I DO NOT OWE, allegedly from XXXX XXXX XXXX XXXX. 

Considering 1 ) I DO NOT OWN an Automobile in MY NAME for several years now, & 2 ) I live in a DIFFERENT STATE than the alleged Account, & 3 ) I have NEVER had an Account with XXXX XXXX XXXX for Auto Insurance personally in MY NAME since I DO NOT OWN AN AUTO IN MY NAME, this is clearly NOT my Account & I should NOT have it on my Credit Records. 

I therefore pray to the CFPB for Resolution of this Matter, & all applicable Federal remedies/penalties against said Collection Company for continuing this FALSE reporting against me, despite several attempts on my part to resolve it which were ignored. 
I also reserve the Rights to Legal Action Against said Collection Company ( ie. lawsuits ) & State Attorney General Office Actions in my own State ( which is NOT the State in question ). 
I also grant permission for the CFPB to publish & utilize my Information to protect others from the illegal actions of XXXX XXXX XXXX & possibly their Client acting upon known defective information.
Product: Credit card

I had a consolidation loan through XXXX which included my Synchrony/XXXX XXXX  card . The account was paid off, resulting in an overpayment to XXXX XXXX/Synchrony in the amount of {$62.00}. On XX/XX/23 I called Synchrony who verified I was due the refund and submitted it for me. In XX/XX/23 I called XXXX XXXX/Synchrony bank back as I had not yet recieved my refund check as promised. I was transferred to the XXXX XXXX  complaince team ( XXXX ) and spoke with XXXX. She stated the refund of {$62.00} was approved on XX/XX/23 and the " check was in the mail ''. On XX/XX/23 I called back the compliance team and spoke with XXXX who stated he did not see a check going out to me nor was I due a refund, even tjhough it was previosuly confirmed AND XXXX XXXX sent me a letter showing the overpayment! He said he would have to transfer me to a manager, the number he transferred me to no longer in service ... '' the # you dialed is no longer available ''.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Debt collection

I contacted Midland Credit with XXXX debt validation letters. They ignored all of my requests for validation. I do not recognize this account and I want it removed from my credit report!
Product: Debt collection

For the second time, XXXX XXXX of Nelson Cruz & Associates has talked to me in an abusive manner. Today he threatened to take my social security number and use it illegally. They also talked me in to signing an agreement to paying a debt older than 6 years old ( which is outside of the Tennessee statute of limitations of debt collections ). I have requested to opt out of this more than once. The original debtor, XXXX XXXX, mailed me a letter acknowledging that this debt had been written off several years ago. I have a disabled husband, make minimum wage, and have no help. I can not afford the amount they have locked me into and they will not let me change or stop the amount. Please help. I can not take the abusive calls and threats any longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX XXXX ran my name twice within a week, ... way before my first 30 days, However, XXXX XXXX XXXX then took it upon themselves in opposition of my 4 warnings not to run my credit outside of their company, and she promised me that she wouldn't but she did. They fraudulently ran my name cause I did not authorize neither one of them many inquiries on my report ..via XX/XX/XXXX. Under the FCRA, that's illegal practices for them to do so.
Product: Checking or savings account

Bank of America has closed my account due to someone else gaining access to my information otherwise known as identity theft. I have spoken to XXXX about this issue as well. Now Bank of America is giving me back my remaining balance to me, but I didn't write no check or sign my name last is on such of a check. I tried to reestablish my account with them but they are not allowing it to be done. I have no complaints with bank of America I just want to be part of their business again. How can we resolve this issue. What do they need me to sign.
Product: Consumer Loan

I took out a personal loan with Lending Club and my payment is due the XXXX of every month. Lending Club sets up your monthly payment to be auto drafted from your bank account which I opted out of as it is my right. My plan has been to make a payment every XXXX weeks of {$1500.00} which exceeds my minimum required payment by almost XXXX. In this case, I made online payments of {$1500.00} on XXXX, debited XXXX, and XXXX debited XXXX, and according to Lending Club, I still owe a payment of {$870.00}. 

After discussing the matter with Lending Club directly, I 've been informed that the only way to ensure a payment is correctly drafted is to call on the payment due date, or to mail a check which is subject to a {$7.00} processing fee. If I do not do it this way, my additional payments will be held up until I call in to make my original monthly payment. At then end of 30 days past my due date, I was told my loan will be marked delinquent, the credit bureaus will be notified, and my account will be sent to collections. At this point, I will have paid {$7500.00} towards my loan to which Lending Club will state that I owe {$1700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Report Date : XXXX XXXX, XXXX CLOSED ACCOUNT STATUS Closed accounts stay on your credit report for up to 10 years since the date of last activity. Negative information such as late payments or collections, generally stay on your XXXX credit report for up to 7 years from the date of first delinquency. 

Details Payments Overview Account Number XXXX XXXX Account Status CHARGE_OFF Owner INDIVIDUAL Account Type REVOLVING Creditor Classification Loan Type CREDIT_CARD Original Creditor Name Months Reviewed 1 Activity Designator Terms Frequency MONTHLY Term Duration Purchased From Sold To Balance and Amounts Balance {$2700.00} Credit Limit High Credit Available Credit Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX XXXX XXXX  Report Date : XXXX XXXX, XXXX CLOSED ACCOUNT STATUS Closed accounts stay on your credit report for up to 10 years since the date of last activity. Negative information such as late payments or collections, generally stay on your XXXX credit report for up to 7 years from the date of first delinquency. 

Details Payments Overview Account Number XXXX XXXX Account Status PAYS_AS_AGREED Owner INDIVIDUAL Account Type REVOLVING Creditor Classification Loan Type XXXXREDIT_CARD Original Creditor Name Months Reviewed XXXX Activity Designator Terms Frequency MONTHLY Term Duration Purchased From Sold To Balance and Amounts Balance {$0.00} Credit Limit {$2500.00} High Credit {$2800.00} Available Credit {$2500.00} Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity XX/XX/XXXX Date of First Delinquency
Product: Mortgage

My loan went into foreclosure due to my being in an accident. I was placed on a repayment plan to get the loan out of foreclosure with my first payment being due in XXXX 2016. I made the first payment with no problem. The second payment was due on XXXX XXXX and I made the payment on XXXX XXXX. I overnighted the payment on XX/XX/XXXX and it was received on XX/XX/XXXX. The XXXX was a Friday so I called on Monday to make they had received the payment and posted it. I was told that my repayment plan had broken on the XX/XX/XXXX. I asked why did the plan break and they advised due to non payment. I then asked how many days after the first do I have to make the payment before the plan breaks as the payment was n't even 30 days late. I agree it was n't made on the XXXX but I have never heard of a plan breaking after 18 days. The mortgage company stated to me that there is no set date for the plan to break, just whenever they review it and see there is no payment made. Also let it be noted that I have spoken to them several time during the month and not one person told me that the plan would break on XX/XX/XXXX. I thought I would have at least 30 days before the plan broke. When I spoke to the company on Monday the XXXX I was advised they would try to restart the plan and asked me when could I make the XX/XX/XXXX payment. I advised I could make the XX/XX/XXXX payment on XXXX XXXX. On Tuesday the company called me and stated they could not restart the plan because the plan broke on XX/XX/XXXX and the payment I made on XX/XX/XXXX would be sent back to me. 
I have worked in mortgage servicing for the last 14 years and I have never seen a repayment plan break in less than 30 days and this one broke on the 18th day. Furthermore this was my first repayment plan, and to also refuse to set the plan back up with an explanation that the payments have to made by so many days after the due date or the plan will break is not fair. Especially when I sent the payment in, certified funds, and now they are just down right refusing to accept the payment and are sending it back. 

I am someone trying to keep my home and to just refuse to accept the payment and send it back is not right. I could see if the payment was not made in XX/XX/XXXX but it was.
Product: Credit reporting or other personal consumer reports

I got a copy of my credit profile there were items on it, that I didn't recognized including addresses, phone number, incorrect birthdays etc... Which I was able to get deleted. I did a FTC report and sent it to the creditor 's, and to Equifax Credit Bureau. Equifax did remove the items, and then 4 days later it was back on my credit profile. I called Equifax and then I was told that it was put back on my credit profile because the creditor verified it was mine. I told Equifax once again I'm a victim of identity theft. I told them again I never had these account. I was told I needed to dispute these items to have them removed. I sent in a debt validation letter to Equifax disputing these items. I waited 45 days, and it came back verified. I sent out a second response validation letter. It came back verified, and then I asked Equifax how is the creditor verifying debt that is not mine? Equifax stated the creditor is saying that it was mine. This went on for an entire year with the creditor sending me correspondence 's stating here is the information that I requested which ended up being a monthly statement nothing more. for an entire year without anything other then a bill for every item. I send in information stating this is not validating the debt. For them to please send me the original contract with my signature on it. I have never received this to date XX/XX/2023 XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ordered from XXXX fall XXXX Damaged furniture delivered/first identified to us by the deliverer Photos of damage sent to XXXX by the deliverer and this consumer XX/XX/XXXX XXXX promised to replace or refund XXXX did not, and a report of the circumstances, including photos were sent to Affirm so that Affirm could determine if a refund was valid Affirm supported the merchant, and said the merchant informed them the product would be delivered. 
XXXX re-delivered the same damaged item XX/XX/XXXX. It had been sitting in the deliverers warehouse since XXXX according to the deliverer, XXXX XXXX 
Again, XXXX sent photos of the damage to XXXX. 
Now, XXXX is requesting damage proof from us. 
Now, Affirm will be receiving payments from us for merchandise never received. 
This company, XXXX, seems to have a history of this business method of operation. There are consumer complaints from other Affirm clients about XXXX on-line.
Product: Credit card

I have credit cards opened in my name that I did not authorize. My birthday is wrong on my credit report. I just turned XXXX last XXXX.
Product: Checking or savings account

When I inquired why my funds weren't transferred the csr said they were waiting for an approval. I could either call my bank and ask them to approve it or cancel and start all over. I was never given a prompt about approving this transaction, so my money was in limbo for almost a week. I cancelled the transaction and used a different online savings account, but Bask Bank should be more clear about what's needed.
Product: Credit card

I have a Sam 's Club Credit Card through Synchrony Bank. I have had it for years. I was getting 5 % cash back for gas purchases. This past month, I received 1 % cash back. 

I called the phone number on the back of the credit card. The representative informed that maybe the merchant stopped identifying as a gas station. The representative also confirmed the charge was XXXX XXXX. 

I have been purchasing gas at this gas station for years and I have been getting 5 % cash back for years. 

I asked the representative, " If I purchase fuel for my vehicle using my Sam 's credit card do I get 5 % cash back? '' She said, " Yes. '' I said that I put my card into the slot on the gas pump and pumped gas into my card and you only gave me 1 % cash back. She said it was because the merchant is no longer identifying as a gas station.
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 U.S.C 1681 1 ) XXXX XXXX XXXX XXXX XXXX XXXX account # # # # # # # XXXX has violated my rights Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All account above have violate 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 Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions,
Product: Credit reporting or other personal consumer reports

My Fair Credit Reporting act consumer rights have been violated. The accounts listed in attathcment 15 USC 1681 section 602 A ( 4 ) states I have the right to privacy.

15 USC 1681s-2 ( A ) states that A person shall not furnish any information relating to XXXX XXXX reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Ocwen has stated on my creit report that I was 30 days late twice.