23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Sears Credit Services by CITI failed to send me a XXXX XXXX in 2024. I called XXXX and paid my XXXX XXXX of {$61.00} by Bank Card. The {$29.00} late fee was waived by phone due to an excellent payment history. A reprint of my XXXX and upcoming XXXX statement was sent by USPS. The XXXX Statement was sent but failed to note my XXXX Statement payment of {$61.00} ( on XXXX ) and the waived {$29.00} late fee in XXXX ( on XXXX ). The XXXX Statement was for {$150.00} for {$61.00} ( XXXX ) {$29.00} ( XXXX Late Fee not reversed as promised ) and {$62.00} for XXXX. I paid my XXXX Bill of {$62.00} on XXXX to bring my account current. I called ( XXXX ) Sears Credit Services by " XXXX '' said that my payment was late ( {$29.00} ) in also demanding that I pay XXXX Statement billing of {$90.00} early for a total of {$110.00}. I dispute the XXXX Late Fee of {$29.00} and will only be rendering {$90.00} for XXXX Statements billing of {$110.00}. If I am charged a late fee ( XXXX ) and/or it is not removed ( XXXX ) another complaint will ensue with the XXXX  and FTC in protecting my credit rating. End of Statement
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint with your agency in regards to equifax, and XXXX XXXX  sent me a letter stating they made error when submitting my information to all the credit agencies and they will contact them and have the issues fixed. XXXX corrected the error and updated my credit report. XXXX XXXX was aware they made the error because they recently received a payment update recently from XXXX XXXXEquifax has not removed a write off that is inaccurate with XXXX XXXX. The report states the account is closed and wrote off. This dropped my score over XXXX points for nothing. Please have equifax fix this because this has not been resolved. My credit report with them needs corrected. On the error the equifax report states that the write off with XXXX XXXX  was XXXX  years XXXX  months. I have only had this loan with XXXX XXXX XXXX XXXX for a little over a year. XXXX contacted equifax on the error they made. Equifax wont remove this error and correct it.
Product: Credit reporting or other personal consumer reports

These late payments dont align with my usual payment behavior, as I consistently pay on time.
Product: Credit reporting or other personal consumer reports

XXXX, Transunion, and XXXX all have my name and address wrong on XXXX  Credit Bureau accounts. I want this corrected. 
Also, they all have Creditors with Open accounts, which needs to be corrected. Some accounts have been charged off and sold to 3rd Party Collections that never verified my name and address and did not have the correct information.

I have an old Repossession on all XXXX  of the accounts. This account was settled in 2009 but negatively affects my credit bureaus. 
I have also been denied employment because of the wrong information on my credit and the credit scores that were obtained. I can not afford any lawyer to disrupt these collections, which are all wrong on all XXXX. So many charges date back 15 years, and this is all wrong. 
Please help me try to look into these issues.
Product: Credit card or prepaid card

Ive already contacted Chase Bank there taking to long with the investigation on something that is simple They violated multiple rights Pursuant to 15 USC 1692a ( 3 ) I am the consumer Pursuant to 15 USC 1692c ( c ), I am notifying you JPM Chase Bank in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through mediums, Pursuant to 15 USC 1692c ( c ), I am invoking my specified remedy as a consumer and the original creditor, and I demanding all of the following : 15 USC 1666d- Positive amount is to be sent to the consumer 15 USC 1681a D ( 1 ) - Consumer report is oral and written so Im letting you know that I'm extending this credit for exchange to get a higher credit limit. 
XXXX  the amount on the balance
Product: Credit reporting or other personal consumer reports

Hello, My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from all of my credit reports. 

XXXX XXXX XXXX
Product: Credit card

I traveled to XXXX and booked and pre confirmed our room was a FAMILY ROOM. 
Reconfirmed on XX/XX/year> ( see reservation confirmation ). When we arrived a family room was not available and we were split up with the second room down the hall. 

I speak some XXXX  but am not profecient and it was very difficult to communicate my concerns the same way I could in XXXX. Additionally, this reservation was for the week of XXXX XXXX XXXX and trying to navigate the " translated '' booking web-sites was very difficult. Rooms were not readily available and I believe that the hotel took advantage of us as foreigners. If we were locals, I am confident that we would have received the room we booked. Instead we were given two separate rooms which was not what we reserved or paid for. 

My original dispute ID # XXXX was declined. I am re-asserting my rights to dispute this charge as we were not provided the room we reserved and paid for. Also, please read the attached documents which explains the dispute in more details, and how our door did not lock. 

I attempted to speak with hotel management but to my surprise was told no managers were in those days due to the holiday But certainly not an excuse. There should always be management readily available in case of emergency and not just working general staff. The next morning on XX/XX/XXXX, morning of check out we spoke to a lady manager and expressed all our concerns and problems during our stay and we were told they would investigate and respond. I still have not received a response or any communication. 

If we could have checked out we would have but understand that very few people speak XXXX in XXXX and we were stuck in this situation. We had to pay extra for some tours for XXXX speaking guides, and most hotel staff including front desk and the manager I spoke with at check out did not speak any XXXX.
Product: Debt collection

This company would contact me portraying to be XXXX XXXX and I would pay them not knowing they were a collection agency. My debt was with XXXX XXXX not portfolio recovery.
Product: Mortgage

This is something else entirely. I had an insurance policy. This carried over when the mortgage transferred to a new company. It DID NOT with Mr. Cooper. They have not paid the insurance and it has now been cancelled. I have received notice from Mr. Cooper that they will seek their own insurance policy which could mean a higher payment.
Product: Credit reporting or other personal consumer reports

Goodleap continues to lie and take responsibility at the same time. I recorded a face to face meeting with home pro solutions and in this legally acceptable recording, they clearly reject and deny what Goodleap continously attempts to project too me through their own responses. Which is blatantly false, filled with lies and misinformation by Goodleap. The recording states that goodleap has provided no such approvals to home pro solutions. In fact in this recording they agreed based on their own personal inspections of my multiple issues the following : they agreed the jobs were not done legally or properly thus not a complete or proper job ( s ) were done. Illegal. Out of code issues. etc. No permits. And damages caused by such. No emails that i have sent for months now have been replied to by goodleap, as well as my documented call logs etc ignored. The only time goodleap has responded too me is through XXXX  or the federal complaint I filed previously, that can be observed through this attached document. Goodleap has continuously lost in court in regards to this goodleap and titan contract they approved and accepted. Their denial of any responsibilities and at the same time in these response complaints they also allegedly take responsibility by allegedly making efforts. However in filing responses too my fed complaints they signed off on not lying and being truthful. Clearly they lied about home pro solutions and fixing the multitudes of issues I'm being forced to pay for that were not completed or ev

en done legally.. As can be annotated by the attached letter from goodleap and my recording of home pro solutions showing home pro solutions the letter goodleap wrote previously to my federal complaints.

I can upload the face to face recording if requested.
Product: Credit reporting or other personal consumer reports

PLEASE MAKE SURE EXPERIAN IS SENT THE ENTIRE XXXX PAGE PDF DOCUMENT THAT IS ATTACHED AND THE FOLLOWING INFORMATION. 
I am writing to follow up on a previous dispute letter I sent regarding fraudulent information on my credit report. Despite my initial request to block the fraudulent account under FCRA 605B ( 15 U.S.C. 1681c-2 ), the disputed account has been re-added to my credit report. I am now invoking FCRA 611 ( 15 U.S.C. 1681i ) and requesting a method of verification for this account. 

Consumer Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : On XX/XX/XXXX, I submitted a formal complaint to Experian XXXX requesting the blocking of fraudulent information on my consumer credit report. The specific account in question is : Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX This account, along with related fraudulent collections, was identified as being the result of identity theft and fraud. I provided substantial evidence, including : FTC Identity Theft Criminal Complaint # XXXX A police report from the XXXX XXXX Police Department Copies of my Driver 's License and Social Security card Despite your initial removal of this account, it has since been readded to my report. According to the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I am requesting that Experian reinvestigate this matter and provide me with the method of verification used to readd this account to my report. 

Specific Requests : Reinvestigate the disputed items listed in my initial complaint. 
Provide a detailed method of verification, including the source of information used to readd this account. 
If you are unable to verify the source of information or fail to conduct a proper reinvestigation, I request the immediate deletion of the contested items from my credit report. 
Provide written confirmation of your actions and findings via email to XXXX. 
It is imperative that Experian complies with this request promptly and transparently. Failure to do so will result in further action to ensure compliance with the FCRA, including potential legal recourse for willful and negligent noncompliance. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

PLEASE MAKE SURE EXPERIAN IS SENT THE ENTIRE XXXX PAGE PDF DOCUMENT THAT IS ATTACHED. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX Binance.us a XXXX company operated by Bam Trading Services , ( BAM ) froze my account due to " risk management ''. 
XXXX XXXX I opened a request ticket # XXXX asking them to please reopen my account.Along with the request I sent a picture of myself with I.D . and a hand written note with the date and request, also a video of me asking for the request, to help comply with ( KYC ) Know your Customer and ( AML ) anti money laundering procedures. 
I am recently retired and had at that time, {$95000.00} in the account. 
I did not receive any correspondence from them during XXXX and XXXX of XXXX. XX/XX/XXXX I opened another ticket # XXXX and asked for help again. I have reached out to their customer service many times on XXXX and XXXX and have only received responses from bots saying they will look into it.
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 my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 
XXXX XXXX # ACCOUNT XXXX DATE OPENED XXXX XXXX XXXX XXXX  XXXX DATE OPENED XXXX Has violated my rights. 
15 U.S.C 1681 SECTION 602 A.STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681SECTION 604 A SECTION 2 : IT STATES A CONSUMER REPORTING AGENCYCANNOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 1681C. ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCYMAY TAKE ANY CONSUMERREPORT CONTAININGANY OF THE FOLLOWING ITEMS OF INFORMATION.ANY OTHER ADVERSE ITEEEEEM OF INFORMATION .OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C 1681S-2 ( A ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THEPERSON KNOWS OR HAS A REASONABLE CAUSE TO BELIEVE THE INFORMATION IS INACCURATE
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Transunion. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts and inquiries that are still reporting on my account : TRANSUNION : XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$6900.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This isnt me the is fraud on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Equifax to provide proof that XXXX XXXX XXXX XXXX show proof that i am responsible for the debt that they have listed on my Equifax report. I have asked Equifax and the XXXX XXXX to provide a Copy of a id or SS Card. They have not complied with my request. Even tho i have asked numerous times.Please help me in this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX was over charging my escrow for 2 years on 5-6 occasions. After requesting reasons for doing so, the office of the chairman provide not once but twice signed documents that had false information on my loan history. Dozens of attempts were made by a few parties to get it straightened out. The bank could not provide me with a detailed breakdown of all payments taken rightfully and wrongfully. I consulted an attorney and have been waiting for corrected balance and resolution. I stopped paying the bank in order to prevent the bank from stealing more money from me. Now, while this dispute is still unresolved, they are falsely reporting on my credit saying I am in default, when the truth is the payment stopped until they can return all money stolen, provide true history of my loan, detailed payment history and where all funds taken were allotted, and all late fees and compounding interest removed.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report with all 3 credit bureaus and noticed inaccurate personal information and addresses. I have requested to all 3 credit bureaus in writing verify through certified mail received request over 60 days ago ( XXXX )
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX  Listed below are the Accounts that are being challenged XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXXXXXX It is with sincere disappointment that I present to you the detailed enumeration of the concerns I have meticulously compiled pertaining to the reporting undertaken by your esteemed organization, as explicitly documented in the accompanying file. Regrettably, it is evident that the aforementioned reporting falls short in terms of completeness and fails to align with the standards I hold paramount. It is imperative to emphasize that, in accordance with legal provisions, it is incumbent upon both your organization and the data furnishers involved to diligently certify all facets encompassing the requisite Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. Such certification must be executed with unwavering dedication to truthfulness, accuracy, completeness, and timeliness, in order to ensure the utmost protection of my consumer and civil rights, thereby averting any inadvertent violation thereof.
Product: Debt collection

Consumer Adjustment Company has issued collections on both XXXX  and XXXX  credit bureaus for an older debt that was settled by a federal class action lawsuit. 

The original creditor was XXXX and the original collection agency was XXXX XXXX XXXX. Since XXXX XXXX XXXX lost their case in court against XXXX  XXXX  XXXX, they were ordered to remove all negative information as it pertains to XXXX  should the loan be received prior to XX/XX/XXXX. 

Consumer Adjustment Company has opened a collection in XXXX of XXXX for the amount of {$950.00} on my XXXX  and XXXX  reports in another name for XXXX XXXX XXXX who they want to collect on behalf for as the original creditor was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report.

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : - ; US DEPT . OF EDUCATIO XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXXXXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX  Inquired on XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am deeply frustrated by the inaccuracies that exist in my credit report, which constitute unfair treatment towards me. I kindly ask that you take action, thoroughly investigate this matter, and make the necessary corrections without delay. If there are no updates, I will be compelled to proceed legally. 
In acordance with the fair credit reporting act the follow information is inaccurate and has violate my rights. 

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 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 15 usc 1681 section 604a setion 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

For several months, I have been disputing incorrect information regarding these accounts and the discrepancies between the credit bureaus ; however, there has been no resolution on this matter, which led me to file a complaint previously. They still consider the information correct even though its inaccuracy has been demonstrated. Therefore, I am filing a new complaint now, specifying the violations that were incurred here. 

15 USC 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of information.

15 USC 1681i ( 5 ) : Failure to investigate and correct inaccurate information.

15 USC 1681s ( 602 ) ( a ) : Failure to provide clear and accurate information to consumer reporting agencies.

15 USC 1681s ( 604 ) ( a ) : Failure to permit access to all information about the consumer 's credit file.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report. Leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where XXXX has neither corrected nor removed dispute items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as XXXX inaction violates federal law and my rights as a consumer. The accounts I am refferring to is XXXX XXXX, XXXX  XXXX and the XXXX XXXX XXXX account