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

On XX/XX/2022 i Certified mailed Equifax Tracking Number XXXX a letter asking their company to investigate and delete the inaccurate accounts that is reporting on my Consumer Report. By Federal Law According to the FAIR CREDIT REPORTING ACT 15 USC 1681i ( 1 ) ( A ) the consumer reporting agency ( Equifax ) before the end of the 30 -day period beginning on the date on which the agency receives the notice of the dispute from the consumer after 30 days if the consumer reporting agency can not verify or validate this inaccurate Information the consumer reporting agency must promptly delete the items from the file of the consumer. 

Also According to the FAIR CREDIT REPORTING ACT 15 USC 1681b ( 2 ) a consumer reporting agency may not furnish any information on a consumer report with out the written instruction of the consumer ( me ) to whom it relates.

IM DEMAING THE FOLLOWING ACCOUNTS BE DELETED IMMEDIATELIY FOR FAILURE TO COMPLY WITH THE FEDERAL LAW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have uploaded all of the proper documentation to support my claim.
Product: Student loan

I have been trying to apply for a pay as you earn payment plan since XX/XX/XXXX. Every time I have applied multiple times and have been told over the phone several time that everything is correct and it will take time to process. It 's now XX/XX/XXXX, the paperwork I resubmitted in XX/XX/XXXX that I was told was there and correct has some how disappeared and I 'm being told I have to resubmit my application and pay stubs for about the 5 time. This has been with my fedloans.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I recently submitted a dispute to Experian to correct inaccuracies on my credit report, specifically to remove incorrect addresses and variations of my name. One incorrect address remains on my file despite being included in my original request. This oversight is concerning, as it compromises the accuracy of my credit report and potentially impacts my financial standing. I am requesting immediate action to remove the remaining inaccurate information,
Product: Debt collection

The laws of the state of Pennsylvania clearly states that when a repossession takes place, that there must be at least two auctions completed before there is an upset price pertaining to collection purposes. However, in fiscal year 2017, being XXXX I suddenly faced several financial issues that caused this repossession. Accordingly, I am requesting a reasonable settlement to this collection. The vehicle loan was for a 19.99 % interest rate, and the payment was very high. However, I was only 30-days behind on the payments, and if I was given proper consideration as before, I could have brought the payments current. I would appreciate an offer in compromise either through my email or direct mail, and Ill do my best to make that payment to benefit all parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Submitted to have this duplicate remove showing twice on my credit report VIA CFPB PORTAL XX/XX/XXXX Re : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Consumer : XXXX XXXX XXXX CFPB ID : XXXX Dear Sir or Madam : This letter is in response to the above-referenced complaint filed with your office on XX/XX/XXXX. XXXX XXXX obtained his account from XXXX XXXX XXXXXXXX in XXXX, MO on XX/XX/XXXX, in the amount of {$310.00} and agreed to repay it in ( 6 ) monthly installments of {$52.00} beginning XX/XX/XXXX. The account was assigned as account number XXXX. No payments were received on the account, and it was charged off on XX/XX/XXXX. The account was then internally transferred to XXXX XXXX in XXXX XXXX, MO on XX/XX/XXXX, and assigned account number XXXX. On XX/XX/XXXX, XXXX sold the account to XXXX XXXX XXXX, XXXX. XXXX XXXX was notified of this sale and the contact information for all future communications regarding the account. XXXX XXXX indicated in his complaint that the XXXX account is not reflecting his bankruptcy. The only case for a XXXX  XXXX bankruptcy under XXXX XXXX name and social security number is in the XXXX XXXX XXXX XXXX, Petition # : XXXX with a date of file being XX/XX/XXXX. XXXX can find no evidence that XXXX XXXX was under bankruptcy protection during the time XXXX  owned his account. Unfortunately, XXXX  can only furnish XXXX XXXX account information to the credit reporting agencies up to and including the date when the loan was sold. Any transactions or obligations under state or federal law that allow for protection under bankruptcy after the date of sale need to be addressed with the purchaser of the account. As World is no longer the owner of the account, all communications regarding this account should be directed to : Customer Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX Department
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete and block the items as soon as possible.
Product: Credit reporting or other personal consumer reports

I have three collection or bad debts on my credit, XXXX XXXX and 2 from XXXX XXXX. They are from XXXX and too old to be reporting per Ohios statutes for credit reporting. Besides that, XXXX XXXX sold or got rid of one of the accounts per their own website yet they are still reporting it on my credit. If this CFPB complaint is not successful I will seek other avenues to get these items off my report. 
Besides that I filed bankruptcy in XXXX. It is 8 years old. It was removed from all of my husbands credit reports almost 2 years ago but remains on mine. We filed together. Why am I the only one it is still reflecting on? I understand it can remain for 7-10 years but it has been completely removed from his report, yet still reflects on mine 8 years later. That does not seem like equal or fair credit reporting to me. I want my credit report to accurately reflect information and it does not. I have disputed more than once with the credit bureaus and nothing happens.
Product: Credit reporting or other personal consumer reports

I contacted Equifax in regards to me being a victim of identity theft per FCRA 605b and I submitted my police report, identity theft ftc report, copy of my drivers license and social security card. I also explained that my personal information was compromised based on the Equifax Data Breach in which I have filed a claimed. Equifax has completely disregarded the FCRA 605b by not blocking and deleting the fraudulent accounts. I have have tried contacting the numerous times.
Product: Checking or savings account

I have been the primary owner of a checking account at Bank of America for approximately the past 22 years. In addition my son is on my account and has been since he XXXX XXXX XXXX XXXX XXXX  There was an issue with his account that he notified me of and he also informed that when he inquired about it was just told his account was being closed or in the process of being closed and Bank of America has the right to close an account at their discretion. 
I later contacted bank of America at which time the representative said she would have to transfer me to the risk department. When I asked about my account I was told that my account was also being closed by association. At this point I spoke with a risk department representative on Friday XXXX who informed that there were several claims on his account ( XXXX ) the bank was in the process of investigating. When I further inquired about why there was no prior notification to us about the situation, she reinforced what had been relayed to my son that an a account can be closed at the banks discretion. After further questioning she informed that she would have to transfer me to the claims department. The representative provided to the risk department phone number and when I attempted to contact them it was a long waiting period and then the department was closed. 
My complaint that the bank failed to inform of the situation and the complaints that were being addressed were at best, questionable. 
My son was able to get further information the next day at a BOA in XXXX, Florida where he currently resides. 
I can further explain my concern as I other BOA customers could experience the same and I do not feel the entire situation was fair us.
Product: Debt collection

On XX/XX/2019 I signed an addendum to a rent agreement that legally removed my name from the lease. The staying tenant also signed, agreeing to take ownership and responsibility of any charges on the account. I was forced to move out due to XXXX in the household and a XXXX XXXXXXXX order against the staying tenant. Due to the XXXX, the landlord and leasing agency were not allowed to hold me responsible for the charges, and they had a copy of the XXXX provided to them for proof. Also, a copy of the signed addendum removing my name and clearing me of the responsibilities. Now my credit statement shows a collections account from the landlord trying to make me pay {$4000.00} on an account that is not legally my responsibility. I tried to dispute the charge several times but the customer disagrees, being the landlord wants to make me pay the charges. I would like for this to be removed as it is not my account to pay for.
Product: Credit card or prepaid card

Hi, Starting in XX/XX/XXXX I established a monthly membership with XXXX XXXX XXXX for XXXX a month. I had this membership for 6 months ending XX/XX/XXXX. Since the start of the membership, I called the XXXX XXXX XXXX on multiple occasions to schedule a home service. Every time I have scheduled an appointment they failed to show up for repair. I had scheduled repairs at least on 8 different occasions during XXXX, XXXX & XXXX. Since I was not able to schedule time for the repair I have called to cancel my contract and called CapitalOne to refund my monthly dues of XXXX for 6 months. 

Capital one refunded my account for all of the months, but came back and charged my account for 4 months. As a result, I was refunded for only 2 months. I am disputing the 4 months and requesting that I get refunded fully for it. When I called CapitalOne they refused to share any documentation explaining why I am being charged for 4 months out of six. By refunding 2 months out of the 6 months XXXX has admitted that they have failed to provide the contractual agreement and I should get refunded for all of the months. 

Here are the transaction dates as they appear in my statement. 
XXXX XXXX XXXX XXXX Date Post Date Amount XX/XX/XXXX XX/XX/XXXX {$49.00} XX/XX/XXXX XX/XX/XXXX {$49.00} XX/XX/XXXX XX/XX/XXXX {$49.00} XX/XX/XXXX XX/XX/XXXX {$49.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX Re : AccountNumber : XXXX I am writing to dispute the validity of the account that has been reported on my credit report. The account in question is a charged-off account that has been reported by XXXX XXXX XXXX.I am disputing this account based on violations of the Metro 2 credit guidelines. According to these guidelines, charges off account should be reported accurately and fairly, an ; d any inaccuracies or violations of these guidelines may result in the account being removed from my credit report.After reviewing my credit report and the information provided by XXXX XXXX XXXX. I have found several violations of the Metro 2 guidelines. These violations include : 1. Last Activity Date inconsistent across Credit Bureaus 2. Remarks inconsistent across Credit Bureaus 3. Time Late inconsistent across Credit Bureaus 4. Month 's Reviewed inconsistent across Credit Bureaus 5. Payment history inconsistent across Credit Bureaus XXXX XXXX XXXX and requested that they remove the account, they refused to do so. I have also included a copy of my previous dispute letter for your reference.Based on these violations, I request that you remove this account from my credit report. I have already contacted you. Please investigate this matter and remove the account from my credit report if you find that it has been reported inaccurately or in violation of the Metro 2 guidelines. 
Thank you for your attention to this matter. Sincerely, XXXX XXXX
Product: Debt or credit management

I am contacting you to register a complaint against Moore Legal Group doing business as Meadowbrook Legal Group, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX, XXXX. 

I found myself over my head in debt and met with a notary public named XXXX XXXX on XX/XX/XXXX, and at this time came to an agreement on a debt remediation plan. Under the terms of this agreement, Meadowbrook was to contact the creditors from a list I supplied and set up a payment plan administered by them to satisfy my debt with each creditor. Under the terms of this agreement, I was to make bi-weekly payments of {$600.00} from which they would withdraw administrative fees with the remainder placed in escrow to be applied toward my debt. I ceased making payments on XX/XX/XXXX when I realized the scope of the fraud being committed. In that time period, which spanned over 1 year, Meadowbrook withdrew AMOUNT in fees while only placing {$3500.00} in an escrow account. During this period, Meadowbrook did not contact any of my creditors to negotiate a payment schedule as outlined in their contract with me. The result of this is, that I am not only in collections with each of the creditors from the list I supplied them, but my debt to each of them is far greater than it initially was due to compounding interest on the initial balances. Meadowbrook has yet to respond to any inquiries and in fact, will rarely answer the phone. They have defrauded me of {$10000.00} by providing none of the services agreed upon. After many calls to Meadowbrook and waiting on hold for hours, I recently recovered the funds in escrow and will need to develop another plan to stave off financial ruin. I have recently looked at their reviews on XXXX and every reviewer reports the same results I have experienced indicating mine is not a one-off situation. 

Meadowbrook Legal Group preys on individuals at their most vulnerable moments and exploits them for financial gains by providing none of the services they promise while siphoning off the vast majority of funds received for personal enrichment, this is not ethical and I can not see how it could be legal. My hope is that your office can provide guidance on the recovery of fees taken from me and possibly have their business operations shut down. 

Please help by providing any assistance/guidance possible.
Product: Credit reporting or other personal consumer reports

I sent a dispute letter to all the credit bureaus and creditors regarding the accounts of which I do not know. I have not received any response nor a notification regarding the investigation and results.

They need to delete these under my name since I don't know the said accounts.
Product: Credit reporting or other personal consumer reports

We had a lease with XXXX XXXX XXXX ( XXXX ). Our car was stolen on XX/XX/year>. We notified XXXX that it was stolen as did our insurance company ( XXXX ) and they acknowledged that they were notified by both entities. XXXX representative told us we did not need to make lease payments as they were in discussions with XXXX for them to pay for the car. They also told us that the information of " Past Due '' would not go to the credit reporting agencies as it was noted on our account because the car was stolen. We made several calls to XXXX because the information was sent to the credit reporting agencies, even though they told us... promised us ... that it would not be sent as the car was stolen and they were in negotiations for our insurance to payoff the car. As a result of this being placed incorrectly on our credit reports, we have had our limits lowered on many of our other revolving credit accounts for no actual reason. We have a perfect track record of payments on ALL of our other accounts accept for this blemish not cause by us or any of our actions. XXXX has been less than empathetic and has not done anything in any timely manner to fix the XXXX for which they have causes us. We want our credit rating back! We did not cause this and should not be going through what we are going through due to fraudulent information placed carelessly on our credit report. We need help, but there is nowhere to turn.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX Balance : {$420.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$550.00} ; XXXX  ( Original XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$11000.00} ; XXXX  ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX  XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit card

Someone stole my card information and used my card on a website I have never heard of before. The website shows on my statement as woot and the amount that was charged is {$890.00}. I disputed this charge with Citi bank by calling on XX/XX/XXXX and was told that I am 100 % protected by citi and that they cover you from fraud charges. I was the investigation would take 90 days for then to complete but the dispute is still open and just sitting there. They took my temporary credit off too and now this reported to my credit as a balance and I have a minimum payment due with the dispute open for a product or service I never authorised or received. When I call and I called close to 14 times, I am told that either their system is down, they are working on it and they told me I can not get a temporary credit anymore and I just have to wait. My 90 is now up and still no update and the dispute is just sitting there. They keep telling me I'm good and everything is okay, but I still have a balance and a payment due. They are not following their policy and not doing any investigation. I did not ever use my card for any purchase of that amount or on that website.