23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have a collection account on my credit history but this collection account is paid. I submitted the documentation that this account is paid and yet Experian denied my appeal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted a copy of my credit score and report. I had to create an account and give my debit card info to get their free service. I got the report and cancelled. I was then charged {$21.00}, I called and got a person and they handled the cancellation and my refund. Now Im getting charged again and I have not used the service. Im angry because the charge caused me to have two overdrafts at a cost of {$70.00} plus the {$21.00} they charged me. I called their customer service number and get an automated operator which gives me no options to talk to amspecialist ( their term ). When I ask, it hangs up on me. The website gives me no option to submit a complaint or request to cancel and request a refund. This is with Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau Equifax is not complying with their own policies in a timely manner. I submitted a dispute via mail over 30 days ago on XX/XX/2021 as well as a follow up letter on XX/XX/2021 to remove negative and inaccurate items on my credit report and i still have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following companies have violated my consumer protection rights : XXXXXXXX XXXX  - Account # XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXX  Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

I tried contacting these companies repeatedly and no one is helping me and I need an immediate remedy of this situation. 

Thank you.
Product: Debt collection

CREDENCE sent me a notice trying to collect on a debt that has been disputed an been found errronous an removed from my Consumer Credit Report
Product: Mortgage

I had to relocate to Iowa for employment last year. I tried to rent this condo out since I was underwater on my mortgage but unfortunately shortly after I left there was a huge roof leak that caused major damage. The insurance covered a portion of the repairs but the rest were up to me and I do n't have the money. The stairwell is damaged and so is the top floor of the home making it unrentable. I hired an Agent to help me short sale the property and we submitted all of my paperwork. Shellpoint had the locks changed adn left the wrong keys in the contractors box, locking my Agent out of the home for full month making it very difficult to get an offer. Once we finally gained access we got an offer within a few days and submitted it to Shellpoint. They state they will not postpone my foreclosure date because they have not received a value they ordered.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX Balanced : {$3500.00} XXXX  XXXX Balanced : {$2600.00} XXXX XXXX XXXX XXXX Balanced : {$670.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I have a huge concern and I believe your agency can help me. I have lived in the state of Louisiana for 17 years and I have owned a home in XXXX, LA for 10 years. I am a proud community member who is invested in living my life there. My concern is that I am in danger of losing my home. Carrington Mortgage is the servicer of an FHA loan and they are trying to take my home without giving me a chance to make things right. I am a skilled pipe fitter and have been doing this for 10 years. I work hard and make good money but in early XX/XX/2017 my work hours were significantly reduced. I have had a difficult time ever since. I had to use up my savings to hang on, scrimping where I can but I unfortunately couldnt stretch any farther and I missed my first mortgage payment that XX/XX/XXXX. It was humiliating. I have been trying to get help ever since. 

I contacted Carrington Mortgage for assistance but was given the run around. I called and called but with no particular person to help me it feels like a never ending task. I sit on hold for long periods of time before I am told I have the wrong person and have to hold again. One person tells me one thing, then another says thats not right. What else am I supposed to do? I imagine my applications sitting on someones desk for weeks without being touched. Do other people have to go through this if they need help? Whatever happened to customer service? I have applied for a modification now many times and each time I was denied and the process would start all over again. Plus I am never told why I am being denied. So frustrating! I cant seem to get a break. Then I was told I qualified for a repayment plan but, after going through the agonizing process of applying for that I was denied for that, too. Who can help me? I have asked to speak with supervisors, managers and anyone with some authority but I get nowhere. I am getting desperate. I really hope you can help me. 

I am making good money now and I am finally starting to get back on my feet. My sister is now living with me and is helping out with the finances. She is also a hard worker and is committed to helping me keep my house. Together we have a comfortable life and would be devastated to have to move. I know I can make good on this loan if I can just get another chance and have some help in dealing with Carrington mortgage. I am sure there must be laws that protect and help someone like me. I am willing to apply for whatever program would get me started again and follow through with this if there really is hope that I can get the help I need.
Product: Credit card or prepaid card

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. The late payment was still showing after its status was closed. Also, you failed to provide accurate and correct information. Various dates listed under the date of the last activity, last payment, last report, and date opened.
Product: Credit reporting

My name is XXXX XXXX. 

There is a person I am not AWARE of on my account, XXXX XXXX.
Product: Mortgage

Yesterday on XXXX I received an attempt by JP Morgan Chase Bank, NA a threat to tax bill me for the illegal foreclosure on my home on XXXX using fake/forged documents as well as not following the foreclosure laws and legal procedures/violations. The seller is responsible not me!! This is the second 1099-A that I have received by JP Morgan Chase Bank , NA that they are once again attempting to evade their tax responsibilities by illegally selling my home trying to terrorise me into some sort of a tax IRS threat to pay this so called " debt ''. I have reached out in complaint to the FBI as well as the IRS to investigate this what I call tax evasion. I also asked the FBI etc. to investigate not only this situation but also the activities of XXXX XXXX XXXX XXXX XXXX XXXX and the third party purchaser XXXX XXXX whom has her name on many homes with others named XXXX XXXX and XXXX XXXX. I am asking the CFPB to also look into this 1099-A " pattern '' situation.
Product: Credit reporting or other personal consumer reports

i have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presumed that mo proof of the alleged debt. Nor therfore any such debt in fact therefore exists. ( Please remove these accounts before i seek litigation for defamation of character ) XXXX XXXX XXXX  balance {$930.00}, XXXX XXXX XXXX  balance {$510.00}, onemain balance {$1800.00}.
Product: Debt collection

I'm disputing my credit report due to identity theft. XXXX and XXXX already removed the fraudulent accounts, but your bureau hasn't. Please fix this by removing the accounts immediately, as I doubt their accuracy, and ensure compliance with the law.
Product: Debt collection

I XXXX XXXX REQUEST THAT THIS ACCOUNT FROM AFFIRM INC BE REMOVED FROM MY CREDIT REPORT OF ALL INACCURATE REPORTS AS IT IS A CANCELLATION OF DEBT. CHARGE OFF ACCOUNTS SHOULD ALSO NOT HAVE ANY LATE PAYMENTS I AM GIVING THIS CREDITOR 30 DAYS AS I DO NOT RECOGNIZE HOW THIS ACCOUNT IS BEING REPORTED ON MY CREDIT. I DONT RECOGNIZE THE ACCOUNT STATUS I DONT RECOGNIZE THED ACCOUNT HIGH BALANCE NOR DO I RECOGNIZE THE LATE PAYMENTS ASSOCIATED WITH THIS ACCOUNT AND DOES NOT MEET THE FRCA. NEVER RECEIVED A XXXX XXXX PER IRS PER 15USC 1681EB AND1692G. I HAVE ATTEMPTED TO DISPUTE WITH ALL 3 CREDIT BUREAUS. I HAVE NEVER RECEIVED ANYTHING FROM AFFIRM.
Product: Bank account or service

I have a credit card with Capital One, a gm card to be precise. Before XXXX I ordered some vinyl upholstery from XXXX XXXX, after receiving notice that the order had been delivered, but not received by me I complained to Capital One. They arbitrated an agreement with XXXX XXXX to reissue the order, XXXX XXXX would not send the order until they got the cash back from Capital One. After another long wait I cancelled the order, and XXXX XXXX told me there would be no refund because they never received the money from Capital one. I have been waiting months to see a refund, and finally filed a complaint, they tell me they ca n't help me. I have no product, but am still out the money plus interest charged on my original complaint.
Product: Credit reporting or other personal consumer reports

I previously had two accounts with Comenity Capital Bank. One was for a Sephora Credit Card, the other was My Place Rewards Credit Card. Due to a financial hardship I was not able to pay this card and it was placed on charge off status. These charge off accounts have been reporting a monthly payment history ( CO ) and balance since 2020 and should not since this account has been closed and changed off.Everything reported here does not meet the FCRA and its a violation.
Product: Credit card or prepaid card

Requested all billing statements and I have not received them from Synchrony Bank / XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

there are numerous accounts in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing this since last year. Kindly remove the following : XXXX  XXXX XXXX # XXXX date opened XX/XX/XXXX XXXX  XXXX XXXX # XXXX '' date opened XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX date opened XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to Experian to reinvestigate these accounts on XX/XX/2023 tracking XXXX # XXXX Account Name : XXXX XXXX XXXX Account : XXXX Account Name XXXX XXXX  XXXX XXXX XXXX 
Account : XXXX Account Name : XXXX XXXX  Account : XXXX Account Name : XXXX XXXX XXXX Account : XXXX Account Name : XXXX XXXX  XXXX Account : XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX Account : XXXX Account Name : CHARTER XXXX CC ( XXXX Citizens XXXX ) Account : XXXX Account Name : XXXX XXXX XXXXXXXX Account : XXXX Experian - Investigation was completed on XX/XX/2023. Report XXXX XXXX However, they stated all accounts was 100 % complete and accurate. 

But how is that possible if there is still incorrect, inaccurate reporting date of last activity, open date, and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that arent reporting correctly. If all information is not 100 % correct and accurate -- accounts must be deleted per consumer law. 


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 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 U.S.C. 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 that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have more evidence to prove my case Furthermore, they didnt even record the current status of the disputed information which is another violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint for this day is my follow-up to my previous complaint dated XX/XX/XXXX. My previous complaint disputed items are the following : XXXX XXXX XXXX XXXX XXXXXXXX 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 I Include these items in my previous complaint, Now I am redisputing them again.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion due to their failure to properly investigate, verify, and provide documentation for multiple accounts that I have disputed multiple times. TransUnion has violated my rights under the Fair Credit Reporting Act ( FCRA ) Sections 609, 611, and 623 by verifying accounts without providing legally required documentation. 

These accounts contain unverifiable, inaccurate, and improperly reported information that is damaging my financial stability and overall quality of life. TransUnions reckless reporting practices are actively ruining my ability to secure financial opportunities, obtain loans, and move forward in life.

I am demanding immediate removal of these accounts, as they can not be legally verified under federal law. Below is a breakdown of each account that TransUnion has wrongfully verified, along with the specific issues and my requested resolution.Account Number : XXXX Balance Reported : {$480.00} High Credit : {$480.00} Credit Limit : {$300.00} Status : Charged-Off This charged-off credit card account has been verified without any proof that I owe this debt or that Ally legally charged it off. Under FCRA Section 609, I requested : A copy of my signed agreement with Ally. 
A full balance history showing transactions and payments. 
Proof that XXXX  properly charged off the debt and is reporting it legally. 

TransUnion failed to provide any of this information but still verified the account.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the fraudulent account into my credit file without proper certification of accuracy and notification to the consumer as mandated by law. There is a fraudulent credit card by XXXX XXXX XXXX- ( PARTIAL ACCOUNT NO : XXXX .... ) was opened under my name without my knowledge and I am asking to block and delete this fraudulent account because I have no knowledge about this account. It is a fraudulent account.
Product: Debt collection

This account does not belong to me. I have disputed it more than once it has cost me a lot of issues. I have not been able to properly care for my son. I have attached my id theft report below.
Product: Debt collection

I sent a debt validation letter to XXXX. I never received any response back. It has been past 45 days. This is a direct violation of the Fair Credit Reporting Act. Also this XXXX  debt is a direct violation of my privacy which also is a direct violation of the Fair Credit Reporting Act. Please remove account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, with XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. I disputed some closed accounts that I'm no longer responsible for on XX/XX/2018 and it's still under investigation and nothing has been updated.
Product: Credit reporting or other personal consumer reports

I do not know of this agency not do I owe them a debt. I've requested a copy of the original signed contract with my signature and it has not been provided.
Product: Credit card or prepaid card

I always paid on time that's why this is ridiculous.
Product: Debt collection

I received a letter from CCS ( Credit Collection Services ) stating I owed a debt in the amount of {$1900.00}. The letter instructed me to go to their website and submit the dispute form if I required the debt to be validated. I did this on two separate occasions. I never received any response from them. They went ahead and reported the debt to the credit bureaus. I called CCC on XX/XX/24 at XXXXXXXX XXXX. to discuss the debt. The customer service representative informed me that they did receive my request for validation and made a note on the account that I disputed it but that they were not required to do anything further. She informed me they did not look into the debt further and would not be doing so.
Product: Debt collection

I was sued on XX/XX/2019 by the landlord I used to live at with my daughters after I complaint about mold in the property and having my little one sick with XXXX  issues constantly and having to trash the mattress. The manager told me I was lying and I still have proof of it. My paychecks were cut due to the situation I was experiencing since XXXX and I did not payed the rent in XXXX. They sued me asking me for the money and to leave the property. When I arrived to the trial and was my turn I started explaining the judge and was going to show all the pictures and the doctors tests and everything, the judge cut me off stating the landlord did not wanted money they just wanted me to leave. I had already moved on XX/XX/XXXX and the trial was on XXXX so the case was dismissed. I have a letter from the Magistrate Court that I provided to XXXX  and XXXX  which firstly reported it. I started the dispute with XXXX  and they close it a day after requesting documents to prove my identity I have proof of everything. This information has to be removed immediately from my credit. It is not right and is abusive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just received noticed this morning that new address had been updated on my credit reports. listed as XXXX XXXX XXXX XXXX, IL I do NOT live or have ever been to such address!! When I went to dispute it, it came up under Resurgent/ LVNV. 
I have disputed accounts with this debt junk buyer before and even had accounts in court that have been dismissed by my lawyer on these people. 

I want them removed from all of my credit reports now! I am getting no where with getting them off my credit reports, and now I find this new information on my reports!! 
This is illegal and fraud by them.
Product: Credit reporting or other personal consumer reports

My information such as my social security number and address and other personal information was breached in XX/XX/2023 I put a freeze on my credit report as soon as I was informed in writing. I now have to check my credit report every week because XXXX, XXXX and Transunion, Bankruptcies and debt collectors are sharing my personal information to third parties without my authorization, and or written consent. According to 15 U.S.C. 1681 b ( 2 ) I would like to have these accounts removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called creditors Dispute letter With Creditors Dispute letter with Credit company. 
File Dispute
Product: Mortgage

XXXX XXXX, Owner of XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, VA XXXX requested a HELOC on his property. Maximum on that loan was {$45000.00}. When he went to sell the property, Capital One ( second lien holder ) indicates {$95000.00} is owed. They wo n't explain why the amount has increased so drastically other than a generic letter stating " he owes the money ''. I am a licensed Realtor/Broker and have a Power of Attorney to work on his behalf. I am completely at a loss to get any information from Capital One, and do not understand how the real estate records can indicate a lower amount is owed, yet the Loan PayOff Statement indicates almost twice that amount is owed. There was no re-finance, no second appraisal, the consumer signed nothing, and he claims fraud on the part of the bank. I have plenty of documentation to send.
Product: Debt collection

On XXXX separate occasions ( XX/XX/XXXX and XX/XX/XXXX ) monies were improperly taken from my accounts ( XXXX in the first instance and XXXX in the second ) in the amount of {$1200.00} in the first instance and XXXX amounts ( {$600.00}, {$1900.00}, and {$1900.00} ) in the second instance. 

My income comes from protected federal XXXX XXXX benefits. These benefits are protected by law from garnishment or offset to pay a debt owed to a private person or company. Furthermore, federal law requires that the bank must protect XXXX months ' worth of my federal benefits, in this case {$5000.00} ( though my benefits have increased in the new year and have been retroactively paid and the new bimonthly amount is {$8100.00} ). In both instances, the amount taken exceeded the statutorily protected amount. 

Reference : https : XXXX Reference : 38 U.S.C. 5301 ( a ) XXXX benefits are generally exempt from taxation, creditors, or other legal XXXX. This protection of XXXX benefits includes protection once the monies are deposited into a bank either before or after receipt by the beneficiary ; ( https : XXXX ) Reference : 42 U.S.C. 659 ( h ) ( 1 ) ( B ) ( iii ) XXXX benefits are generally exempt from income withholding, garnishment, and similar proceedings for enforcement of child support and alimony obligations ; and ( https : XXXX ) Reference : 38 U.S.C. 1970 ( g ) Certain insurance payouts to XXXX are exempt from taxation, creditors, or other legal XXXX. ( https : XXXX )