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

I sent a letter on XX/XX/XXXX to XXXX credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Bankruptcy Reference XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference XXXX XXXX XXXX ; U.S. Bankruptcy Court XXXX  XXXX Bankruptcy Reference XXXX : XXXX ; U.S. Bankruptcy Court XXXX XXXX Bankruptcy Reference # : XXXX XXXX Federal XXXX XXXX Bankruptcy Reference # : XXXX ; Federal XXXX XXXX Bankruptcy Reference # : XXXX ; Federal XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; LA XXXX XXXX ; XXXX LA ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ;
Product: Debt collection

Home credit should not be on my credit file ... my auto loan was taken from me right after they received my payment.. they have been threatened me for a long time saying a owed this bill.. I file for a divorce and the car actually was used my ex wife and instead of making payments she let the car get repossessed ... I have filed a police report stating that my ex wife didnt agreed to my agreement.. and that I shouldnt be responsible for her missing up my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S.

Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate I checked my credit report and noticed multiple inconspicuous inconsistencies across the 3 bureaus from this account CAP ONE AUTO, Acc # XXXX
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and XXXX docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

Recently, i did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1692c, it states that, if a consumer notifies a debit collector in writing that consumer refuses to pay a debit or that the consumer wishes the debit collector to cease further communication with the consumer, the debit collector shall not communicate further with the consumer with respect to the debit. The debit collector may only communicate with the consumer, my attorney, a consumer reporting agency if otherwise permitted by the law, the creditor, the attorney of the creditor or the attorney of the debit collector. As a result of my investigation i found that XXXX XXXX  has reported misinformation and has continued to disregard the law. Please remove the following items from my report immediately : XXXX
Product: Checking or savings account

On XXXX I tried to login into the Chase bank ( chase.com ) mobile app to pay bills and check on my funds. My login screen was covered with XXXX agreements which I need to sign on. No access to my accounts. These XXXX agreements on which my use of the account was conditioned, were of XXXX total pages in total! They are attached. 

I called the company on the same day, as expected, they explained to me that they can't do much about it. The person on the phone also suggested that probably not all the stuff in the agreement was applicable to me, advised my to skim through and concentrate on what's relevant. 

Blocking an account which is in a clean state for the reason to sign a volume of documents is completely unacceptable. On further reading, there are clauses in the account which the customer can opt out if the customer decides to do so. The opt out is not via a check box ( yet the signing of the agreement is ), it's via a separate letter that needs to be sent to the company. This is obviously done with the purpose to mislead, and to sneak in changes which they can not enforce customers to accept. 

As a general rule, if they are willing to accept electronic signature, or checking a check box to accept an agreement, they must provide the SAME LEVEL OF INTERFACE for the opt-out clauses. In this case, they should have had a check box for each opt-out clause.
Product: Debt collection

BETWEEN XXXX XXXX OJ XX/XX/XXXXXX/XX/XXXX, XXXX XXXX XXXX WAS HACKED AFTER APPYING FOR A HOME MORTGAGE. ALSO GOT CAALS AND E-MAIL FROM FRAUDULENT SCAMM 'S ( SEE ATTACHED. 

THIS ALL HAPPENED WITH XXXX CREDIT PROFILE
Product: Checking or savings account

USAA is stealing my unemployment benefits and also one paycheck. The amount is a {$4200.00} unemployment benefit Payment from XX/XX/XXXX and a {$620.00} paycheck from XX/XX/XXXX! I did not authorize these payments to go into that account because they told me they were closing the account so I asked XXXX to mail me a check and under no circumstance send it to the USAA account. I was assured that they would not put it into that account but it still went in! Also the payroll company ( ADP ) that sent the {$620.00} I also switched my payment info For that as well but it still went to the frozen account! The bank supposedly found fraudulent activity in my account and even though they can prove that I had nothing to do with it by several means ( geolocation data, device addresses, atm cameras, checks not in my signature or handwriting, etc. ) they closed my access to the accounts, yet still accepted my benefit payment and paycheck! Even though I cant access or remove money from my account they still took my money into the account and are closing the account with my money still in there. I want my unemployment benefits and my paycheck, payments that I worked hard for and they are refusing to release the funds to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company began trying to collect on this debt in XXXX 2015. Fortunately, this company is not licensed or bonded in the state of Texas to collect a debt. By law, they are to remove this debt from our credit report.
Product: Mortgage

On XX/XX/2023, I contacted NewRez, LLC, regarding an overpayment of property taxes. Upon reviewing NewRez 's annual escrow statement, I noticed they had made property tax payments for both parcel XXXX and parcel XXXX. My wife, XXXX XXXX, and I own both parcels. NewRez holds the mortgage on parcel XXXX, which is located at XXXX XXXX XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX holds the mortgage on parcel XXXX, which is located at XXXX XXXX XXXX, XXXX, XXXX XXXX. 

It has come to my attention that NewRez, LLC and XXXX XXXX XXXX have made duplicate county tax payments for parcel XXXX for the past three years. I have provided ample documentation to NewRez, LLC to show that they are paying taxes erroneously for parcel XXXX, but they have not yet resolved the issue. Despite my efforts, NewRez, LLC issued another erroneous payment for parcel XXXX on XX/XX/2023. 

NewRez, LLC has repeatedly closed my inquiry without notice or resolution, leaving me frustrated and uncertain about the outcome. Their lack of communication and action is unacceptable and has caused me unnecessary stress and inconvenience. I urge them to take immediate action to address my concerns and promptly resolve this matter.
Product: Credit card

I have been locked out of my account since mid XXXX. I tried to transfer my credit card rewards to my bank account but for some reason it looks like it added money to the credit card instead. This resulted in Gemini  freezing my account. Since XX/XX/year> I have tried to open two disputes to recover the account. They have asked me to verify who I am which I have sent them Information that they have needed and both disputes have told me they are working on it. I cant get in to pay my bill and my credit score is suffering. I want to pay the bill and close the credit card but Im stuck on how to do this. Gemini do not have a phone line only email and its been very frustrating.
Product: Mortgage

I have an impound account with planet home lending, they failed to pay my taxes on XX/XX/2022. I had to pay with my credit card, the home was going to auction as taxes werent paid. I called planet home lending about 20 times over a 6 month period and they asked me to fax over my receipt from my county assessor, which I did twice. Last call I was told case closed and my taxes went up by XXXX dollars. I didnt understand why. They told me I do not get a refund for the taxes I paid and am afraid on my impound account, that will fail to not pay again. Do not trust this company. 
When they bought my loan from my original lender, they had me faxed my last payment from original company and I called and told them please do not give a 30 day late. I followed up for 2 months about 10 calls and they still gave me a 30 day late on my credit report. 5 more calls and threat that I would sue, they corrected their mistake. Terrible customer service m they would tell me to hold for a second and then they would cut my call.
Product: Credit card

phone number XXXX calling early morning around XXXX. thought there was a law that collection calls can not be made before a certain time.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, the accounts listed below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. XXXX XXXX Account XXXX XXXX, have violated my rights. Upon reviewing my XXXX, report on XX/XX/year>, I was deeply troubled to find that some information is incomplete and inaccurate. This has had a direct and negative impact on my financial standing, a situation that the Fair Credit Reporting Act is designed to prevent, as stated in 15 USC 1681 ( e ) ( b ). Additionally, according to 15 USC 1681, if information is found to be inaccurate or incomplete after any reinvestigation, the consumer reporting agency must promptly delete or modify that information based on the results of the reinvestigation and notify the furnisher of the information. Moreover, according to 15 USC 1681s-2, no information relating to a consumer should be furnished to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, XXXX and Experian concerning remove/delete couple of inaccurate and unverifiable accounts ( XXXX # XXXX and XXXX # XXXX ) from my consumer reports. On XX/XX/2022, both accounts were deleted from XXXX and XXXX but Experian refuses to delete these fraudulent and unverifiable accounts. 

So now let me ask Experian this question? Why are you still reporting these accounts according to 15 USC 1681 ( a ) says Treatment of inaccurate and unverifiable information must be deleted and notify the other reporting agencies. You were notified of these accounts deletion by other two reporting agencies so why do you continue report these fraudulent/unavailable accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I requested my annual free credit report, I submitted appropriate documents INCLUDING a copy of a LEGAL NAME CHANGE. I have since received 2 letters from Equifax requiring that I submit the documentation already submitted AND, despite faxing a request that they UPDATE my name in accordance with that documentation, They refuse to do so. I have prepared a response to the most recent letter and I have that available as a PDF document along with proof of my identity including a copy of the NAME CHANGE ORDER. 
I find their refusal to correct my name in accordance with proper proofs to be insulting and possibly discriminatory as I am a XXXX female and they insist on retaining my DEAD NAME.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + XXXX XXXX XXXX XXXX Grant & Weber Inc, On a recent review of my credit report, I discovered Grant and Weber Inc reporting the collection account referenced herein.

Pursuant to the Fair Debt Collection Practices Act
( FDCPA ), I hereby notify Grant and Weber Inc that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt.

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account.

You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.

Attached to this complaint are : - Written letter of complaint - Copy of my drivers license - Copy of my social security card - Copy of proof of address via a bank statement
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 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 items : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX # XXXXXXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$2200.00} ; XXXX XXXX Balance Owed : {$560.00} XXXX XXXX XXXX Bankruptcy Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$560.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Purchased a 5 piece patio set, which was 4 chairs and a fire pit, from Home Depot in XXXX XXXX PA, on XX/XX/2020. Local store placed as an on-line order so the patio set would be delivered directly to my house. I received an email notification on XX/XX/2020, from Home Depot stating my order has shipped. Tracking number XXXX ( shipped through XXXX ). On XX/XX/2020, while looking at tracking to see when if would be delivered, status was " Cancelled by Customer ''. I went to my local home depot store, as I could not get through to customer service, to get assistance. The local store was able to get a hold of customer service, who contacted XXXX and gave me new tracking number of XXXX and noted I would receive a call the next day for delivery, which I did not. I contacted customer service on Monday XX/XX/XXXX. The representative put me on hold and then came back and stated my patio set would arrive today. I received a call about 10 minutes later from XXXX stating they were 10 minutes away. 

Delivery driver dropped off 1 box, which I questioned if the box contained all the pieces and was told yes. Box was marked package 1 of 2. When I opened the box, it only had the 4 chairs and not fire pit. I called customer service again and the representative stated they would order warehouse search and get back to me within 24 hours ( which should have been by close of business Tuesday XX/XX/XXXX ) and if I did not hear back I could go to my local home depot and cancel the order and they would come pick up the box that was delivered. 

I went to local home depot evening of XX/XX/XXXX, and was told they can not do anything at store, since order was purchased on-line I had to talk to customer service. 

I called customer service, again and requested to cancel order. Representative stated she could not cancel until the rest of the package was delivered. I requested to speak to a supervisor. After an hour of being on-hold, I spoke with XXXX who opened case # XXXX and stated I would receive a phone call by noon on Wednesday XX/XX/XXXX in regards to location of other box. I did not receive a phone call, so once again I contacted customer service and spoke to a gentleman, who put me on hold and then hung up on me. I called back and spoke to XXXX, who after 25 minutes of talking to her, agreed to put a return in and send someone to my house to pick-up package, but there would still be a package delivered in regards to the other box, that no one can locate. I did inform her I would refuse delivery and I wanted this charge off of my home depot credit card ( which I am cancelling ) since I was billed for this in XX/XX/XXXX, when the item first shipped. 

I was told I would be contacted by a company to pick up the package at my house within 5 business days and my credit card would be credited within 3 business days of package being picked up. 

This has been the worst experience every. All I want is my credit card charge removed as I should not be charged for a product that I do not have. I don't believe any company should bill a consumer when items are shipped. Charges should start once products are received by the customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to lease a XXXX. 
Was informed that i was delinquent in a loan from AFFIRM. 
I had allegedly taken a loan from XXXX... 
allegedly I dont know of this AFFIRM company. In my life i have never taken a loan from anywhere Contacted XXXX  and AFFIRM TO NO AVAIL My credit rating was always above 800..now lower than 700. Help please
Product: Debt collection

I have been garnished for student loan payments since XXXX and have paid over 22k to Pioneer Credit RecoveryXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have requested my payment history due to contacting the Department of Education stating my loans are still in default. The covid-19 emergency student loan payments have been extended until XX/XX/XXXX but I have been garnished again since early XXXX. I haven't been able to get information from them to tell me where my money is going. I want to get out of default and my XXXX has not done that for me. I want the money applied to my student loans. I participated with Pioneer Credit 's rehabilitation program and completed it last XXXX. I have no information on the next steps on my student loans.
Product: Credit reporting or other personal consumer reports

I have a fraudulent account on my credit report, which I reported it to Comenity Bank, yet Comenity Bank is not removing this fraudulent account. Comenity Bank has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than XXXX business days after date of receipt, yet Comenity Bank has refused to do this. The following is the fraudulent account : COMENITYBANK / XXXX / XXXX.
Product: Credit reporting or other personal consumer reports

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. This rating has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I noticed 2 accounts on my credit report that is due to fraud the accounts are XXXX XXXX and XXXX XXXX which has been a total nightmare for the last 5 years. The accounts never belonged to me I have never resided at XXXX XXXX XXXX XXXX XXXX Ga XXXX which is address associated with the accounts. I sent in police reports, affidavits and written statements to fix this horrible case of fraud off my name. The accounts never belonged to me and I'm requesting to have them removed immediately. Being a victim of fraud is terrible however continuing to fight with these companies is worse.
Product: Vehicle loan or lease

DUE TO COVID-19, I CALLED CHASE AND SPOKE WITH A REPRESENTATIVE ( XXXX ) ON XX/XX/XXXX OR XXXX AND ASKED DUE TO COVID-19 ARE THEY REPORTING TO THE CREDIT BUREAU, IF THE AUTO NOTE OF XXXX IS LATE, DUE TO SPOUSE OUT OF WORK DUE TO COVD-19 AND WAITING ON UNEMPLOYMENT. THIS WAS THE FIRST TIME THE AUTO NOTE HAS BEEN OVER 30 DAYS PASS DUE. I WAS ADVISED THAT NO WE ARE NOT REPORTING ANY LATE PAYMENTS AT THIS TIME, DUE TO COVID-19. SO THE AUTO NOTE FOR XXXX PAYMENT WAS DUE BY XX/XX/XXXX, THE PAYMENT WAS MADE ON XX/XX/XXXX. ON XX/XX/XXXX I RECEIVED A NOTIFICATION FROM XXXX XXXX   THAT I HAVE A LATE PAYMENT THAT WAS POSTED TO MY ACCOUNT. I CALLED CHASE BACK ON XX/XX/XXXX THE REPRESENTATIVE I SPOKE WITH ADVISED ME, FOR US NOT TO REPORT A LATE PAYMENT YOU HAVE TO APPLY FOR A EXT DUE TO COVID-19. I EXPLAINED TO HER THAT THE REPRESENTATIVE I SPOKE WITH, BEFORE HER DIDN'T EXPLAIN THAT I HAVE TO APPLY FOR THE EXT. PAYMENT NOT TO RECEIVE A LATE PAYMENT ON MY CREDIT. SO I WAS TRANSFER TO A SUPERVISOR, WHERE IS WAS TOLD THAT THE CALL FROM XX/XX/XXXX OR XXXX WITH XXXX WILL BE REVIEWED, AND SHE WILL CALL ME BACK, SUPERVISOR CALLED BACK AND STATED THAT COULDN'T HEAR THE CALL. I THAN SENT IN DISPUTE LETTER TO ALL 3 CREDIT BUREAU AND TO CHASE AUTO, I RECEIVED A CALL BACK FROM CHASE, STATING THAT THE LATE CHARGE IS VALID, AND WILL NOT BE REMOVED. I STATED IF YOU CAN'T HEAR THAT CONVERSATION, HOW CAN YOU MAKE THAT CALL. SUPERVISOR THAT SORRY THAT ALL I CAN DO, WELL IF ALL CALLS ARE RECORDED OR MONITORED WHY YOU CAN'T HEAR THAT CALL.
Product: Credit reporting, credit repair services, or other personal consumer reports

I get regular marketing emails from Experian. I recently went to try and unsubscribe from them and found this message at the bottom : " Why am I receiving this email? 
This is not a marketing emailyoure receiving this message to notify you of a recent change to your account. If youve unsubscribed from Experian XXXX XXXX emails in the past, dont worryyou no longer receive newsletters or special offers. '' But it is clearly a marketing email... this was the primary text of the email, but there are many more like it with the same, inaccurate 'disclaimer ' at the bottom : " Do you own a XXXX XXXXXXXX XXXX 
We found a XXXX XXXXXXXX matching the address on your Experian membership. Confirm its your car to get started with free benefits like insurance savings, data on your car 's history, and estimated value. '' XXXX, they are required to provide an unsubscribe option, and pretending that their marketing is legitimate business is infuriating, particularly for a company that is a critical part of our financial system.