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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX - Date Opened XX/XX/year>2023 Account Name : XXXX  # XXXX - Date Opened XX/XX/scrub>/2023 Account Name : XXXX XXXX XXXX - Date Opened XXXX/XXXX/2023
Product: Payday loan, title loan, or personal loan

Found out the interest on a payday loan is 799.39 % thats ridiculous
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On XX/XX/23 I submitted a CFPB Report ( # XXXX ) My complaint against Equifax was Exercising my Federally Protected Consumer Law Rights which included : 15 USC 1681, 15 USC 1681 sec 602A , 15 USC 1681 604A sec 2 , 15 USC 1681c ( a ) ( 5 ), 15 USC 1681s-2 ( A ) ( 1 ) ( see Consumer Law definitions ) Equifax received the CFPB complaint & sent a letter requesting Identifying Documents ( Driver License, SS card, Bank Statement, W2 Form ) in order to process my complaint, which was Specifically Noted to " Delete Listed Accounts '' violating my Federally Protected Consumer Law Rights. I sent all requested documents to Equifax via Registered Return Receipt Mail & All signed and included documents were Notarized ( see attachments of receipts ) Equifax in defiance of my Complaint and Federal Law, processed my complaint as a " DISPUTE '' which they have repeatedly done on Every Subsequent Request and Failed to Provide ; " Paper Documentation with wet signatures on contract or other forms which I Requested Method of Verification or Validation ''. Equifax then sent a response letter dated XXXX XXXX to me stating " We Were Unable to Locate your Credit File '' ( see attached letter ) However, Equifax was able to Verify said " Disputed Accts, Update my Credit report and send me a Copy! ..Equifax continues to Violate my Rights and lies about my Credit File not Found in order to Subvert Complying with Federal Law. I herby am Declaring Identity Theft as Reported to FTC ( see attached Report # XXXX ) due to Equifax Blatantly Violating Federal Law under Permissible Purpose 15 USC codes defined above, which states clearly " A Reporting Agency Can Not Furnish an Account Without My Written Instructions '' The Following Accounts violate this clause : The XXXX XXXX Acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXXXXXX acct XXXX XXXX XXXX XXXX  acct # XXXX Also Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX Now this again is Not a Dispute-Not open for Debate..This is Federal Consumer Law and Reported as Fraud to the FTC. According to Law Equifax has 4 days from receipt of this Complaint with Attached FTC Identity Report # XXXX ( See attached ) I would Expect CFPB to Protect My Federally Protected Rights and Not Allow Equifax to Subvert Law.
Product: Credit reporting or other personal consumer reports

Please Note that : THIS IS NOT A COMPLAINT AT ALL since I believed you have already taken care my negative reporting in my credit history to be removed in the past. I used CFPB as I would like to be transparent with your company to send you NEW documentation from the FTC with Police Report for your reference to keep under my FILE. You can close this so-called complaint right away after gathering the attachments. Thank you for your understanding and consideration AS ALWAYS. Innovis is the ONE & ONLY GREATEST consumer credit reporting agency THAT I HAVE ENCOUNTERED SO FAR who GENIOUSLY KNOW ON HOW TO MAKE A RATIONAL DECISION INDEPENDENTLY! KEEP UP THE GOOD WORK AND PROFESSIONALISM!
Product: Credit card

Purchased impact drill on XXXX XXXX XXXX with my costco citi bank credit card and according to tracking number from usps it was delivered on XX/XX/XXXX. I have 4 cameras at home, and went though XX/XX/XXXXXXXX XXXX XXXX XXXX and cameras show no item was never delivered. Opened up a case with usps but told it was delivered even though I stated 4 cameras did not show any delivery of the XXXX XXXX XXXX XXXX XXXX XXXX but not help. Opened up dispute with citi bank who opened up case but favored with XXXX. Im out of {$120.00} for item I never received.
Product: Credit reporting

I have no record of this company as a owed creditor, will you please remove from my credit. Must supply open date and process of this date, or remove from my report ( XXXX XXXX ) Original Creditor : XXXX XXXX XXXX {$2400.00} High Balance XX/XX/XXXX Opened Date XX/XX/XXXX Last Reported.
Product: Debt collection

I took a loan with XXXX XXXX not sure exact time line however, I could no longer afford due to health issues and less work hours. So I contact XXXX XXXX Legal attorneys and started in a program on XX/XX/XXXX made continuous payments up until XX/XX/XXXX when I checked in with XXXX XXXX they assured me payments were being made then I received collection notice to XXXX with a company I never heard of so I called XXXX XXXX they assured payments were being made to XXXX XXXX and gave me a number to call they said they never heard of me or XXXX XXXX  they were called XXXX XXXX and they gave another number same thing about 5 times I could not locate XXXX XXXX. And XXXX couldn't either so we didn't know where payments were going I was never notified of this prior turned out now a new lender with a different name who another lender sold to it was in about XXXX different loan companies and this last one after further investigation turned out to be Oliphant USA llc which I found out on my XXXX credit report I then found XXXX XXXX quit sending payments as of XXXX which I also was never notified a huge unprofessional mess this company also never reached out to me either if not for my credit report I never would of known of this mishandling of my money but yet month after month with a few missed months I was paying.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit bureaus after receiving a copy of my report. I saw many UNVERIFIABLE items on my personal profile, I noticed that there were erroneous accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on 09/05/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Here is the list of incorrect accounts found on my credit file XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

I was XXXX  separated from the military in a very quick manner. I had known i was leaving and communicated that to the housing office on the military installation, known as XXXX military housing. The original creditor listed is XXXX XXXX  which is the park i lived in. Since then it would seem XXXX military housing is no longer a company. They claim there was a remaining balance on for rent from XXXX, plus are attempting to charge for XXXX in which i was already gone. They say it was due to the lack of a 30 day notice, this was because they would not accept a notice without my orders to separate. I received my orders 2 days before my separation date in which my pay would he cut off as of XX/XX/XXXX. They had been informed that i was leaving prior to that but would not accept the notice due to lack of orders. On top of this they are attempting to collect money for the electricity conservation program that has been thrown out due to the housing companies ripping off service members. On top of that i have attempted to get in contact with the debt collection agency through phone and e-mail without response.
Product: Mortgage

I have XXXX accounts with StateBridge out of Colorado. 
I have numerous problems with them that I cant seem resolve on my own. 
First there online system is down 80 % of the time with non access. 
I have sent over 75 emails and countless calls and hours trying to resolve this and all my contacts fall on deaf ears. 
Despite them agreeing that I have made my payments on time, I am still subject to twice a day Robo collection calls, reporting me late to the credit reporting agencies and all kinds of added fees and costs. Not to mention the emotional toll and stress this has taken. 
On one account they have consistently taken my payments and put them in an unapplied category, when they finally apply it they apply it on whatever date they want causing me to pay extra interest and charging me a late fee. As well as reporting me as much as 90 days late to the credit reporting agencies when the payments were made timely. As well on this account earlier in the year they charged me some vacant fee charge, they first insisted it was a law that they charge it even thought I told them my house was never vacant. I paid it because they were reporting me late, finally they agreed that I should not have been charged it. I asked that it be sent back to be or apply it to my loan balance. It never was never done this has been going on for over 8 months. They have agreed to fix these in writing but it has not been fixed. 
On the second account, its pretty much the same thing they put the payment in an unapplied account and sometimes months latter apply it, but charging late fees, extra interest and reporting me late to the credit agencies. 
I pay both loans with electric bill pay and have proof when they were paid. I have email after email from them saying they will fix these and they have not. But I did receive at least one letter from them suggesting I short sell my home or give it to them as a deed in Lieu of foreclosure. 
I am not sure what I can do they are causing us a great deal of emotional distress and financial harm. 
I can send you some or all of the emails to and from me, as well as the statements.
Product: Credit card

Discover credit cards have a rotating 5 % cashback category. The categories are intentionally ambiguous so that consumers do n't know whether they are in category or not. The current category is " department stores ''. I utilized the Discover Card at XXXX stores, only to find that XXXX is not classified as a Department store but rather as a " discount store ''. The definition of " department store '' in the dictionary is a store with many departments, which is clearly what XXXX is. Credit card companies should be required to specifically define what these categories mean. This is not the first time I 've been burned by Discover. I asked Discover to make good on its promise of 5 % and they refuse. I could have received 5 % using my XXXX credit card, but instead used Discover. My net loss is {$75.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax also refuses to provide me a copy of their detailed investigation which is illegal. I did not authorize this company to pull my credit. I have asked XXXX and Equifax to remove this credit pull but they are unresponsive.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of great concern regarding the accuracy of the information on my credit report. I have previously sent four validation letters on the following dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. 

In each of these letters, I have diligently outlined the discrepancies I have identified in my credit report and have requested thorough validation of the information in question. Unfortunately, despite my repeated efforts, I have not received any proof of validation from Experian. 

The inaccuracies I am referring to pertain to [ specify the inaccurate information, such as incorrect account details, late payments, or other discrepancies ]. These inaccuracies not only impact my credit score but also create an unjust representation of my financial history. 

I understand that accurate reporting is crucial to maintaining the integrity of credit information, and I believe in the importance of fair and transparent credit reporting practices. Therefore, I kindly request Experian to conduct a thorough validation of the information in question and provide me with the necessary documentation to support the accuracy of the reported data. 

I urge you to treat this matter with the utmost urgency and address it promptly to rectify the inaccuracies on my credit report. As a consumer, I have the right to accurate and substantiated credit information, and I trust that Experian will uphold its responsibility to ensure the integrity of credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need some help, several times I have disputed with Equifax to remove some inaccurate information and update my current accounts, payments not being updated like XXXX and XXXX  and spot on, balances not being updated by Equifax. Equifax not only doesn't update they do not respond. Please help
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am contacting you to request updates and corrections to my personal information as currently listed in your records. The accuracy of this information is critical to me, and I appreciate your prompt attention to this matter. 

Please make the following updates to my personal profile : Address Update : Kindly update my residential address to the following : XXXX XXXX XXXX XXXX XXXX XXXX  NC XXXX Name Correction : Please correct my name to reflect the following accurately : XXXX XXXX Social Security Number Confirmation : For your records my sole social security number ends in:XXXX  Date of Birth Confirmation : My correct and only date of birth iXXXX XXXX XXXX  Telephone Contact Update : My current and only phone number is : XXXX Furthermore, I request the removal of all other addresses associated with my profile that are not deliverable by the U.S. Postal Service. These addresses are inaccuracies and, as such, should be deemed non-reportable under the Fair Credit Reporting Act ( FCRA ). Enclosed, please find copies of my driver 's license, Social Security card, and proof of residence to assist in verifying my identity and supporting the requested changes. I trust that these updates will be reflected promptly and accurately. Should you require any additional information or documentation, please do not hesitate to contact me directly.
Product: Checking or savings account

My weekly direct deposit was supposed to be posted on XXXX XXXXXX/XX/XXXX. As of XXXX AM XX/XX/XXXX I still have not received my payroll direct deposit, resulting in late fees from several of my billers. I received an email XX/XX/XXXX stating the issue would be resolved by this morning but there are no other updates and I am still missing money. I have spent hours on hold for two days trying to get a resolution but have gotten no clear answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered the following company ( s ) ran an unauthorized inquiry on my consumer profile on this date : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XXXX  XXXX XXXX XX/XX/XXXX XXXX addition I have a total of 10 inaccurate late payments reporting from XXXX  from XXXX. I have requested the late payments and their amounts be verifiedbe removed in a previously submitted CFPB complaint and letter to Transunion, XXXX and XXXX yet this issue has not been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on XX/XX/XXXX that hard inquiries have been made on my credit report from XXXX XXXX that I did not make. I had 2 inquiries on Equifax and 2 inquiries on XXXX. 
I contacted Equifax on XX/XX/XXXX via phone and they informed me they could not do anything unless I contacted the companies which initiated the credit being pulled. I did not call XXXX on XX/XX/XXXX because their costumer service department was closed. 

Per Equifax request, On XX/XX/XXXX, I contacted XXXX XXXX GA which was one of the hard inquiries on my credit report and I explained to XXXX that I did not reach out to them to obtain new services that my credit report was showing occurred on XX/XX/XXXX. 
They reported that they would begin an investigation and reach on to me on XX/XX/XXXX. I then reached out to the second company, XXXX, that also initiated a Hard inquiry on my Equifax credit report. XXXX then asked me to reach out to XXXX XXXX of XXXX GA as that is where the request to pull credit had come from. After talking to the employee, he pulled up the file that was flagged as fraudulent and deleted it. XXXX also asked me to submit a dispute letter to them about the credit inquiry. 

I then moved on to my XXXX inquiries and decided to call the companies first since it seemed that the credit bureaus wanted me to resolve it with the companies. The first was XXXX XXXX XXXX XXXX XXXX and when I called them, there was no information the account and therefore could not give me any information that I could turn over to XXXX . I moved on to the second one which was XXXX ( XXXX XXXX XXXX ) and was connected to their department. They said there was nothing they could do and encouraged me to call XXXX and XXXX XXXX, where the inquiry had came from. I called XXXX XXXX and they said they had an inquiry online and that the bank denied it. The representative encouraged me to reach out to XXXX. 

I reached out to XXXX and all I got was basically " Sorry, we can't help you unless you get letters from all these companies saying that it is inaccurate. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Mortgage

Round point has said that they would removed the PMI on XX/XX/XXXX statement. Today I got the statement and they refused to removed it. 

I have asked many times and they keep moving up the date refusing to removing. 

I have the right to request that your servicer cancel PMI when you have reached the date when the principal balance of your mortgage is scheduled to fall to 80 percent of the original value of your home. This date should have been given to you in writing on a PMI disclosure form when you received your mortgage. If you can't find the disclosure form, contact your servicer. 

I have reach well beyond that 80 percent point. 
Even if you dont ask your servicer to cancel PMI, your servicer still must automatically terminate PMI on the date when your principal balance is scheduled to reach 78 percent of the original value of your home. For your PMI to be cancelled on that date, you need to be current on your payments on the anticipated termination date. Otherwise, PMI will not be terminated until shortly after your payments are brought up to date.
Product: Credit reporting

I went to XXXX and tried to get all XXXX of my reports with Equifax , XXXX and XXXX and could not access them. I need all XXXX of these reports ASAP.. There is no number to call to reach a live person.
Product: Debt collection

I have mailed letters to Vance & Huffman Llc as well as spoke on the phone with the company stating I need validation of this debt they claim I owe. I have yet to receive a contract with my signature, nor have I received any form of mail correspondence pertaining to this debt. They are reporting on my credit which effects my employment. 

I spoke to the original creditor and was told that I have a XXXX balance with the company. I request that this account be closed and removed from my credit due to the fact I don't owe this debt and the company has failed to provide any documentation which is a violation of the Fair Debt Collection Practices Act.
Product: Money transfer, virtual currency, or money service

My son wanted to buy a snake online, so I helped him search for websites where we could find the specific one he was looking for. I found the snake he wanted on XXXX When I went to checkout, the website said that I needed to pay via XXXX XXXX XXXX XXXX XXXX XXXX, or XXXX, and that they did not accept credit card payments. Despite this being a red flag, I paid for the snake from my XXXX account via XXXX XXXX. The snake was supposed to be shipped to us on Monday, XX/XX/year>, but instead of receiving tracking information, I got an email from their " courier '' asking for {$490.00} for XXXX XXXX XXXX  They assured me it was a one-time fee and that it would be refunded once the snake was delivered. If I didn't pay the fee, they threatened to send the snake to a XXXX  shelter. I became suspicious and did some research, only to find out that this is a common scam involving exotic animals ( https : XXXX ). 
I never received the snake, and though the merchant promised to refund me on XXXX, I have not received the money back. I will provide the communication I had with the merchant. 
I have reported this fraud to the FBI so they can look into it as well. 

I sent this money to the company via a debit card I had linked to my XXXX XXXX account. I tried to dispute this transaction with XXXX, but they said that I had to dispute it with my bank. The name of the bank that my debit card is linked to is called XXXX Bank XXXX I disputed the transaction twice with my bank and they denied it both times. It has been over 4 months since I was scammed out of this money and I still have not received the item I paid for or the money that I sent to the scammer.