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

The order was placed with XXXX I applied for credit with them to purchase a XXXX '' fridge I did not know it was going to come in pieces unit the order was placed. Which is not what I wanted. 
On XXXX I called before placing the order to ensure the item was instock. 
On XXXX the order was placed. 3 days later i was informed it was backordered. I begain paying for the fridge prior to it be delivered. On XX/XX/XXXX, XXXX a fridge was delivered. I informed the company the wronge item was sent and they needed to come back for it. They tried to send XXXX more fridges all of them were rejected used and damaged. I have video recording of them being returned and rejected. I insturcted I wanted my monies back and they refused. The company ended up going bankrupt before a soultion was processed. I opened a case with Citizens bank and they rejected my claim saying I was fully responsible for a fridge that was never received. I have phone numbers and statements of the delivery drivers that took back the products. I tried to supply these videos to citizen pay but they did not give me a means to send them. I even offered to have them loaded to a cd and mail. I was met with no response. Recently in XXXX they begain to charge me again. I was in the process of purchasing a home and have been denied due to the late payments. I was selling the house that the fridge was purchased for. I had to buy another fridge as the one purchased from applianceconnection.com was never fully delivered. 

It would not allow me to upload the full video ( XXXX ) so i took screenshots. I am willing to mail these in a XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This is really concerning as applications were done in my name without my knowledge and consent, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my credit score. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas  common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have  received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting or other personal consumer reports

The correct balance on XXXX XXXX Account : XXXX is {$1500.00}. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed above.
Product: Student loan

To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX XXXX  misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts. 

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. Repair borrowers credit reports to reflect the removal of these fraudulent debts.

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the XXXX XXXX, but this dream was stolen by the very institutions we trusted to help us achieve it. 

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report were unknown to me when I reviewed it. I sent a letter to Credit Bureaus on XX/XX/2022 to remove XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX NV XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance - ; XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX Balance ; XXXX XXXX  XXXX Balance - ; XXXX XXXX Balance - ; XXXX  XXXX XXXX XXXX FL XXXX Balance - ; XXXX XXXX Balance {$2100.00} ; XXXX XXXX Balance {$0.00} that were UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items or information not later than 4 business days after the reciept .Ive already included this in my previous Complaint # XXXX XXXX, XXXX & I am including it again.,
Product: Credit reporting, credit repair services, or other personal consumer reports

After numerous disputes between XX/XX/XXXX and XX/XX/XXXXof an alleged missed auto loan payments dating from XX/XX/XXXX with Wells Fargo Dealer Services ( WFDS ), and recorded with XXXX, XXXX, and XXXX ( CRA 's ), I sent a series of letters to WFDS fromXX/XX/XXXX to XX/XX/XXXX demanding under 15 USC 1692e and FDCPA 807 ( 8 ) ( 9 ) ( 10 ) that it provide verifiable evidence bearing my signature that this auto loan missed payment record belonged to me. WFDS and the CRA 's continued to claim this record was " verified, '' and never provided me the proof of such verification as I required and supported under the FDCPA laws stated herein. Thus, I filed a small claims lawsuit against WFDS in XX/XX/XXXX to force it to  delete the record from each credit bureau as well as pay me the maximum allowed under the laws of Arizona -- {$3500.00}. WFDS subsequently lost this case on XX/XX/XXXX due to insufficient evidence to support its case, and thus showed an inability to provide verifiable evidence to the court of this record. Final court documents stating the amount owed to me, the Plaintiff, and a legal request to delete the record were provided to the President 's Office for WFDS in XXXX, NC, its Credit Bureau Dispute Resolution Unit, as well as each CRA onXX/XX/XXXX. XXXX has subsequently deleted the record. However, XXXX and XXXX have not. I received a response from the WFDS Credit Bureau Dispute Resolution Unit dated XX/XX/XXXX that stated, " The record was verified. ''  Both XXXX and XXXX claim the same statement in spite of receiving court documents requiring the record be deleted. WFDS has a legal court-ordered obligation to delete the record with each CRA as well as pay the lawsuit fines as ordered by the XXXX XXXX XXXX XXXX -- period!
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX, Number XXXX Inquiries : XXXX XXXX XXXX XX/XX/year> ALLY XXXX XXXX XX/XX/year> XXXX AUTO All Banks XX/XX/year> XXXX OF XXXX All Banks XX/XX/year> COMENITYCB/LENDINGCLUB XX/XX/year> NOWCOM/NKR LL XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights.

15 USC 1681 Section 602 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish my account without my written instructions.

15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. 

PLEASE REMOVE THESE ACCOUNTS AS I HAVE FOUND THAT MY RIGHTS HAVE BEEN VIOLATED. 
Delete these accounts ASAP
Product: Student loan

I have been paying for a long time 10+ years, it seems i can pay off my car faster than a student loan. I see no end to this madness!
Product: Mortgage

OCWEN now charges to collect mortgage payments A few months ago, OCWEN changed how they collect mortgage payments. Now, on their web site, you must sign up for their auto bill pay system, or you are forced to use a third party bill pay system - XXXX XXXX ( which charges {$7.00} ) in order to complete the process of paying your mortgage. 

I have never experienced a mortgage lien holder or a bank ever charge a customer for payment. Aside from inconvenience, I'd like to know if this is legal. This is not the contractual repayment plan we made, and me simply raising this with them - I have no voice and no power to affect change. I just get transferred around and put on hold for long periods of time with no one able to help me and no one empowered to be my voice within the company. 

Lastly, I would like someone from CFPB to weigh in on if this practice is considered legal. 

Attached sample XXXX and mortgage payment confirmation. 

Help!
Product: Debt collection

Debtor agreed to payment agreement accepted funds and.senr yo.treasury to take.offsets. agreed sent.in.XXXX however not given.full.credits.for funds sent and sent to Transworld Systems Inc to date offsets being taken from social security and retirement. Benefit
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CALIFORNIA XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX Subject : Complaint Regarding Incorrect Account on My Credit Report Under FCRA Dear Consumer Financial Protection Bureau XXXX XXXX am writing to file a complaint about an account that does not belong to me and is inaccurately reported on my credit report, in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

The account in question is with [ name of the financial institution or bank listed on the report ] and has been incorrectly associated with my name. This error has negatively impacted my credit score and my ability to access credit and other financial services. According to the FCRA, specifically Sections 611 and 623, I am entitled to accurate information in my credit report. 

Information on the Disputed Account : Name of Financial Institution : XXXX XXXX XXXX Account Number : XXXX Date of Account Opening : XX/XX/XXXX Current Reported Balance : {$16000.00} I have attempted to resolve this inaccuracy directly with the financial institution and the credit reporting agencies, but I have not received a satisfactory resolution. Under Section 611 of the FCRA, I have the right to have this incorrect information investigated and corrected in a reasonable timeframe. Furthermore, Section 623 of the FCRA requires that data furnishers report only accurate and verified information in consumers credit histories. 

Enclosed with this letter are copies of my identification and other relevant documents that may assist in verifying my identity and supporting my claim. I appreciate your assistance in rectifying this error and ensuring compliance with the FCRAs accuracy and precision requirements. 

Thank you in advance for your attention and help in resolving this complaint. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I have been a victim of identity theft for the past 1 years while in XXXXXXXX XXXX my family that was providing the care stole my birth certificate license social security number and has been open account and getting medical attention with my name I have disputed this record many times and it was only removed once and the creditor place it back on my credit report its a fraud account its not me I have never had any medical done to have to use this company and its affecting my opportunity of buying a home I need it removed immediately I have file a police complaint and sent to all 3 credit company this is the company COMENTITYCAPITALBANKXXXX XXXX XXXX
Product: Debt collection

On XX/XX/2021 I mailed certified copies of my FTC report identifying theft that this account was included on This Report! To both The Original creditor XXXX XXXX XXXX Who Has Now SOLD THIS ACCOUNT TO A DEBT Collector Midland Credit Management who has done nothing but harass me and call at insane times of day/night and sends threatening letters to Sue Me over this Account that is ( Not Mine )!
Product: Debt collection

Money was taken directly from my paycheck stating garnishment by a law company attempted to collect credit card money signed by judge but nobody approached me from the court or lawyer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Phone : XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Dispute of Inaccurate Reporting and Request for Investigation Dear Sir/Madam, I am writing to file a formal complaint and request an investigation into an ongoing issue related to my credit report. This matter pertains to a charge-off account placed on my credit report by XXXX, a creditor, which I believe to be inaccurately reported. This inaccurate reporting has adversely affected my reputation and is preventing me from accessing reasonable and adequate lending opportunities, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I have taken the following steps to address this issue : 1. I have submitted multiple disputes with all three major credit bureausXXXX  XXXX, and TransUnionregarding the disputed account. Despite these disputes, I have not received a response detailing the method of verification and validation of the debt, as required by the FCRA. 

2. I have also attempted to resolve this matter directly with XXXX, the creditor in question, but have not received a satisfactory response or resolution. 


Given the persistent inaccuracies in my credit report and the failure of both the credit bureaus and the creditor to provide adequate documentation, I am left with no option but to escalate this matter to the Consumer Financial Protection Bureau for further investigation. 

I kindly request the following actions be taken by the CFPB : 1. Initiate a thorough investigation into the reporting practices of XXXX regarding the account in question. 

2. Request XXXX to provide a detailed method of verification and validation of the debt, as required by the FCRA. 


3. Demand an immediate removal of the inaccurate reporting from my credit report, as it has caused harm to my creditworthiness and reputation. 

I have attached copies of all dispute letters previously sent to the credit bureaus and the creditor for your reference. 

I am also open to discussing this matter further and providing any additional information required to expedite this investigation. 

Thank you for your prompt attention to this matter, and I look forward to a timely resolution. Please feel free to contact me at XXXX or XXXX to discuss this further. 

Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit card

I opened a Lowe 's credit card underwritten by Synchrony Bank/GE Capital. I set up an online account for the card and opted to receive paperless statements, notifications, etc. 

A few months ago, when I went to log on to my account the day before my payment was due so that I could make a payment, it seems my password, as I remembered it, was incorrect. I requested to reset my password, and was told by their server that a password reset email would be sent to me shortly. After an hour I had not received it, so I requested another one which, again, I did n't receive. For the XXXX time, I again requested and did not receive the email. As a result, I was unable to make a timely payment and was charged a late payment fee, which I believe was the point of the obstruction to me resetting my password. 

I was so upset about it that I refrained from using my Lowe 's card for a few months, even when shopping at Lowe 's. 

Then, a few weeks ago, I made a large purchase at Lowe 's and used my Lowe 's card. When Synchrony 's system notified me by email that my payment would soon be due, I logged on to the Lowe 's Card Site to make a payment ( somehow my password worked this time ). Since I no longer had enough funds in the bank account I had previously used to make electronic payments to the card, I added a different bank account for that purpose. The System told me I had done so successfully, so I attempted to make a payment with the newly-added account. I was also told that the payment was successful, though I never received a confirmation email ( and have never received XXXX from Synchrony for making a payment ). 

Then, today -- a week later -- I get a call from Synchrony 's collections department saying that my account is past due and asking if I would like to make a payment. I tell them I already made a payment online, and they say it was never received. I say that I heartily disagree, and ask if they intend to charge me yet another late fee, and they say the late fee ca n't be waived, because they waived XXXX late fee for me before ( when I first opened the account ) and can only waive one a year. 

These incidences speak of a pattern of Synchrony obstructing it 's credit card customers from making online payments in order to collect late fees, which are a major source of revenue for CC companies. From what I 've read in online forums, they have done this to many others besides myself.