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

I am writing to formally dispute multiple inaccuracies and inconsistencies in my credit report that your bureau continues to report despite my repeated attempts to correct them. These errors include incorrect personal informationsuch as outdated variations of my name, address, and phone numberas well as inaccurate reporting on several accounts, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX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 . These accounts reflect erroneous details regarding balances, payment history, charge-offs, and delinquencies, and their continued reporting violates my rights under the Fair Credit Reporting Act ( FCRA ). Since XXXX, I have submitted multiple disputes with documentation, yet no meaningful corrective action has been taken. This lack of compliance with FCRA 1681i, 1681s-2 ( a ), and 1681b has resulted in significant financial and emotional harm, including denial of loans and increased interest rates. I am requesting immediate removal of all incorrect personal data, correction or deletion of the disputed accounts, written confirmation of these corrections, and a recalculation of my credit score to reflect the accurate information. If this matter is not resolved within 15 days, or by XX/XX/XXXX, I will take further action, including legal proceedings and a complaint to the Consumer Financial Protection Bureau.
Product: Checking or savings account

I was supposed to get a {$400.00} sign up bonus and have not received it.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of these items from my credit report, which is the result of fraudulent items origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of these items to be INSPECTED and REMOVED. 
Inaccurate Address : XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX, FL XXXX ; Account : XXXX XXXX XXXX XXXX XXXX XXXX ; Inquiries : XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX.
Product: Checking or savings account

I am pioneer of XXXX XXXX XXXX and was employed by XXXX XXXX emp number and purchased XXXX stocks as XXXX expended between XXXX to XXXX dollars XXXX. It should be XXXX dollars now. Instead i had to sell it in XXXX for XXXX dollars or so or earlier. 

I was in marital relation with XXXX  and XXXX did not hire me as a fulltime regular staff until i went through a summary dissolution in XXXX in XXXX. I suspect i was not given company options that i could sell and retire in XXXX  by those aware of the marital separation. Now my mother is dead and i am not with XXXX. I had some health issues and i was erotically immature  and could heal my self only by visiting XXXX XXXX. 

I do nt have any income and XXXX seeded XXXX i should be having a stock portfolio of all browser based companies and should be worth few XXXX. Instead i am injured and exploited and i am exploited by cyber lawyers and investigators i suspect this internet center is managed by those and they are paid and is a crime. I demand execution of whoever is managing my money as it is my money and not XXXX  money or XXXX  money and they are plainly thieves that has attacked me using XXXX XXXX and employing many staff using me. I need an ATM issued by citibank
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get my credit report from XXXX XXXX for months now, every to obtain this falling their instructions always keeps me going in circles. I have called them and asked for them to give me help many times but I can never ever get my true credit score or any type of information from them. I can however go to other services such as XXXX XXXX and get my credit score which states that it is a score of XXXX, it states that I have two revolving accounts and two installment accounts with no negative items. Other services for example when I went to go purchase a car I had told me my score was a score of XXXX this is in complete discrepancy of what my actual credit report is. I have also attempted to call XXXX and talk to them I did once talk to them and they stated that I owed on two credit cards first off I was always told that XXXX would never call me but they did., After discussion with their representative I inform them a yes two of the credit cards were in fact mine at one time but due to Identity theft which is documented with the FTC doj and you that I could not contact them to talk to them about it or even make a payment, experience represented told me that I should have had insurance on the two cards I informed her at the time I did have insurance which I do in fact have insurance on these cards they showed them charged off in XXXX of 2021 still showing payments after that which I never did and also showing 90 day and 120 late pays, this is completely incorrect. I filed with the bureaus to remove these items which they refuse to do, however if I had insurance on these cards which I did they should have been paid off and recommended to me if this was taken care of which never happened the two credit card companies are credit XXXX XXXX XXXX and XXXX XXXX XXXX. Every attempt for me to contact these companies is future due to my phone being blocked from XXXX and by XXXX and XXXX I'm considering this a complaint and I will be going to the media this afternoon to make this public because it is false erroneous and flat out lies I also have an original report from annual credit report which is the most accurate in my possession which shows the information on there quite different from what they are reporting on my current credit report I doubt that they know that. I'll be filing next with the cfpb my reports against XXXX, XXXX, XXXX XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX XXXX credit card to get a discount on a purse for my wife for XX/XX/XXXX.  then the nightmare started!! 

I paid for the purse with the newly opened XXXX XXXX credit card The purse was out of stock at the XXXX XXXX IL store and had to be shipped to my house I never received the purse in the mail and notified the store. 

The store told me they would look into it but the color purse I originally ordered was complete sold out I had to purchase the same purse but in a different color at the store it was in stock - the store and Comenity Bank has records of the second purchase I paid for the second purchase with my XXXX XXXX credit card again and paid it off in full when the statement came XXXX said they would investigate and said the post office had confirmation the first purse was delivered to my home and left in my mail box. 

I said I live in a rural area and if it was delivered it was never received by me or anyone else in my house, and the post office would often leave packages in front of my mail box or on the driveway by the street. They said the post office left it in my mailbox. This is 100 % not true because the purse was to big to fit in my standard and only mail box. It was impossible to get the purse in the mail box!! 
What made matters worse was XXXX XXXX went out of business and wouldn't return calls or letters I sent. 
I notified Comenity Bank and they were absolutely horrible to deal with. I called and kept asking to talk to supervisors and also wrote many letters. I went on like to find out more about Comedity Bank and their reviews were terrible. They have zero empathy for anyone and are like robots. 
I asked everyone I talked to at Comenity Bank would they pay for a purse they never received? The standard reply was its not their problem. I said I wasnt going to pay for something I never physically received. 
Harassing phone calls started and kept continuing all hours of the day and weekends. They were very unprofessional and exstreamly ignorant. 
I finally had to tell them to stop or I was going to call the Police. 
I have filed complaints with the credit reporting agencies and Comenity takes it off the credit report then puts it back on. Its just a game for them This has damaged my FICO credit score and is unfair that they can and do treat people like dirt with no compassion or repect. Then they are allowed to damage their credit. I have always worked hard and paid my bills on time and do not deserve the unfair tactics by Comenity Bank. 
Please Help
Product: Debt collection

XX/XX/2019 XXXX. iI have repeatedly tried to resolve this with letters and phone calls. First to Ally finanancial then to XXXX XXXX. They send me a letter that states all obligations have been satisfied but then say i owe XXXX. When I call and tell them to look at the statement they agree I paid then send me a collection letter the next month. This has been going on for 3 years. IT is stressful having to deal with this> These companies are so big that nobody knows whats going on. When i would call Ally financial and ask how i could owe this money there response would always be> we do not know our system does not show that. Well how could they send me a bill then. Especially when i have a letter from them saying my obligations have been satisfied.
Product: Credit reporting 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 inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX.
Product: Vehicle loan or lease

XX/XX/XXXX I was sold an XXXX XXXX XXXX XXXX from XXXX XXXX XXXX under fraudulent, also illegal business pretenses  XX/XX/XXXX several issues very costly issues started to manifest with the vehicle. I contacted Americass Car-Mart the XXXX, Alabama A memorial location where I had purchased the car the electrical system, the engine, the transmission, the good release cable, the radiator, and last but not least were some and many more issues. After getting the run around from the company for three weeks finally. XX/XX/XXXX the date I was to make my first payment they told me to come in to the office. still to no avail after being threatened I have the evidence to corroborated, and explain in better details all the XXXX ill and fraudulent activity of the company. Now after 15 + attempts to fix the under warranty issues I'm out of XXXX loss of wages in addition to out of pocket cost that I had to stand on the vehicle that is still not repaired
Product: Bank account or service

I had an issue with US Bank adding my wife name to my checking and savings accounts with either of us requesting this. We XXXX prefer to keep our financial lives separate. We made numerous attempts to have this correct, over a period of about 1 year, but with no success. Eventually I went to the XXXX as a last resort, which led to US Bancorp admitting that they made a mistake, and correcting it. As I had been promised resolution on a previous occasion, and it had n't materialized, I told US Bancorp that I wanted to wait until I received my next statement to confirm that the address error had been corrected. However, US Bancorp were in a great hurry to have the case confirmed as resolved with the XXXX. So they sent both the the XXXX and myself electronic and paper copies of my most recent bank statements, which of course included a great deal of personal information including balances, transactions, credit card information, health insurance provider, etc. At no time did I give US Bancorp permission to share this detailed personal information with a third party. I therefore wrote to US Bancorp, informing them that I was very unhappy with the way they had treated my confidential, personal information. Their written response was completely unapologetic. I would like both an apology, and a reassurance that US Bancorp will never again share my personal financial information with a third party without my permission, unless they are legally obliged to do so. I would also like a reassurance that they will not treat other customers in this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to Transunion and notify them of their error posting of information on my report. I requested for Method of Verification mailed last XX/XX/2020 but have failed to respond in a timely manner. I did not receive what I asked and these violations still persists on my credit report. The absence of method of verification FCRA 611 and validating debt ownership via third party fails to meet the Consumer Finance Protection Bureaus guidelines for what constitute proper debt validation
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/2021 with regards to my request of removing the items in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX - XXXX Balance {$14000.00} DEPT OF ED/XXXX - XXXX Balance {$3200.00} DEPT OF ED/XXXX - XXXX Balance {$6000.00} DEPT OF ED/XXXX - XXXX Balance {$3800.00} DEPT OF ED/XXXX - XXXX Balance {$1900.00} DEPT OF ED/XXXX - XXXX Balance {$4000.00}
Product: Payday loan, title loan, or personal loan

In XX/XX/2017 I had been receiving solicitations from Big picture loans that I was preapproved for a loan of up to 2500. I always threw them in the trash. Last summer I applied as I needed money unexpectedly. The process was all online. I was preapproved, but much info was needed in order to finish the process. I was to provide a pay stub, bank statement, employer information, social security # ect .. I felt all was legit, as this is typical to have to provide this info. to companies/banks etc. The computer system on their end was having issues, so I was directed to call customer service. In order to complete the loan processing I needed to provide a color copy of my drivers lisc. And to expidite the process, I could allow them to view my bank account on line. I agreed, but became angry as they then declined the loan AFTER all info was provided. I feel that they went way too far in obtaining info on me. I called customer service back, and they said there is no record of me applying for a loan, to try again. I am very concerned that I may become a target if identity theft.
Product: Money transfer, virtual currency, or money service

The solution was I have to fly to XXXX to withdraw my funds, international transfer was not available. staff barely understand the request spend over 2 hours on the phone and did not manage to action the transfer
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint against XXXX  Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing XXXX XXXX  and financial XXXX, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Accounts Account Name : XXXXXXXX XXXX XXXX Account NumberXXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Product: Credit reporting

Equifax Credit Bureau reported XXXX hard inquires from XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX.
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX, the HVAC unit for my house packed up. I engaged a local contractor to install a new one. I made a small deposit to the contractor of approximately XXXX dollars. and entered a finance lease for the remaining balance. 

At the time of entering the lease agreement, the company Service Finance Company LLC ( A subsidiary of Truist Bank ), made an offer of for 18 month interest free loan to cover the remaining balance of the equipment and installation fee. 

The company in question has effectively misrepresented a critical term of the loan to me when I entered into the contract to repay it. 

Effectively they stated that I would not be charged interest for 18 months. To my amazement? No sooner did I start receiving invoices for the repayment of the loan, I noted that I was being charged interest. 

I spoke to the company representatives, they've stated the " interest is deferred '' and from my understanding the interest is credited to the account on satisfactory completion of repayment of the principal amount at the end of the loan term. 

While I appreciate the company in question, may defend its position by stating the interest is reversed at the end of the loan? The entire reason I entered this loan was to not be charged interest over the pendency of the loan and therefore the financial product I was sold from the outset, was falsely advertised because essentially, I am being charged interest on a monthly basis. Not withstanding the fact that interest rates vary and at no point was I ever made aware of the fact that I would be charged interest.
Product: Credit reporting or other personal consumer reports

In the 2nd to third quarter of XXXX I contacted the CFPB because Chase bank Has inaccuracies on my credit report which are violating my rights of the FCRA the It says the account was closed on XX/XX/XXXX, however, in XXXX  I contacted CFPB and asked Chase bank to show me the original contract validating that this is my debt and I never received that contract nor did I ever receive any proof of how this debt is mine which is madatory to be shown after a investigation has taken place and being that its been more than 30 days. They clearly violating 15 USC under the FCRA laws also knowingly reporting inaccuracies that have been proven to befaulty is extremely illegal and damaging to my credit i need this account removed immediately
Product: Student loan

I have contacted Mohela multiple times asking for my information to be updated. I had loans that were supposed to be refunded in XXXX due to a lawsuit with the school, and some never were despite multiple attempts by me to rectify the situation. Then they were forgiven under XXXX in XXXX and because the company has been terrible to work with, I gave up on the refund as it was under {$2000.00}. They have not updated my credit report with the closed loans and now have my remaining loans in forbearance and are unable to explain why. I am receiving interest on loans that I would like to make payments on but they will not allow this. I dont know what else to do at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to the credit bureaus and notify them of their error posting for these accounts. My records associated with XXXX XXXX XXXX XXXX XXXX, CAPITAL ONE BANK, XXXX and XXXX Financial accounts do not complement with what the Credit bureaus may claim as a " validated as accurate ''. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

INQUIRIES XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized
Product: Debt collection

a collection agency is attempting to collect a non existent debt and is constantly calling me
Product: Mortgage

Loss my XXXX job due to XXXX, because I was in XXXX  for over a month. I asked Wells Fargo for a modification before foreclosure, but instead they quadrupled my payment. I don't get enough money from my XXXX to pay a {$2400.00} house payment.