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

i don't know where these XXXX hard inquiries come from its false information i need them removed right away from all XXXX credit reporting companies.. the hard inquiries are XXXX address XXXX XXXX XXXX XXXX ut XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX phone number XXXX XXXX XXXX 15 u.s.c 1681 section 602 A. XXXX XXXX XXXX XXXX15 U.S. Code 1681 - Congressional findings and statement of purpose states I have the right to privacy 15 u.s.c 1681 section 604 A section 2 : XXXX XXXX XXXX XXXX15 U.S. Code 1681s2 - Responsibilities of furnishers of...

it also states a consumer reporting agency can not furnish a account with out my written instructions.

15 u.s.c 1681c. ( a ) ( 5 ) XXXX XXXX XXXX XXXX XXXX15 U.S. Code 1681c - Requirements relating to information contained in...

states : no consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes which antedates the report by more than 7 years 15 u. s.c 1681s-2 ( A ) ( 1 ) XXXX XXXX XXXX XXXX15 U.S. Code 1681s2 - Responsibilities of furnishers of... 

A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit card or prepaid card

I initiated a dispute on shipping charges on my XXXX XXXX  store card for a refrigerator I ordered and then cancelled, I received a credit for the price of the refrigerator but not for the shipping charges. The store representative I spoke with was not willing to remove the charges ; therefore a resorted to the card issuer institution, this being Comenity Capital Bank. 

I initiated a dispute for the amount of {$340.00} ( the shipping charges ) on XXXX of XXXX, in XXXX I received a letter advising that the dispute had been closed, I called the bank to get the reason why it had been closed. They were not able to give me a clear reasoning so I re-opened the dispute. I would call from time to time to find out the status of the dispute and they continue to tell me that it was in process, during this time they had been charging me late fees and interest fees, I brought it to their attention in XXXX of XXXX and they credited me for XXXX late fees. The process continued and I continued to call them to follow up, in XX/XX/XXXX, they finally told me that they could not do anything about it and that it would be best if I called XXXX XXXX directly ; so I did, I called them on the first days of XX/XX/XXXX and finally a floor manager by the name of XXXX was able to credit the store card with the {$340.00} for the shipping, she told me she would not be able to credit me for the late fees or interest charges. 

I called Comenity again to request credit for the charges on the shipping charges that were being disputed. I asked why the account or the charges had not been suspended to avoid late fees or other charges, they told me something to the effect that my card did not have that service, which I found arbitrary as the account continue to be charged on charges that were being disputed and the possibility existed of them being eventually removed, furthermore, my account was reported to the credit reporting agencies for late payments. 

Today I spent most of my day appealing to Comenity for a credit on charges that I feel where not justified as the charge that originated them was not right. I called seven times today because a got hang up on when I asked to be transferred to a supervisor or a manager, the last person I spoke with suggested I called XXXX XXXX for the credit since they were the ones that charge the shipping charges. 

In my opinion, the account should have been put on hold until a resolution was achieved, instead they continue to charge me until the account accumulated {$130.00} in interest and late fees. I will make a payment to the account to avoid the damaging reports to the credit reporting agencies but this bank should be monitored for this kind of unfair business practices.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Dear XXXX XXXX XXXX XXXX XXXX recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information The name and address of the original creditor and the current creditor. 
1. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

2. Full complete and correct social security number to help identify me as the correct person you are trying to collect from 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

This is my 6th endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
REV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX & XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. SOMEONE STOLE MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNT IN MY NAME : XXXX XXXX XXXX. 
OPENED : XX/XX/14 AMT. XXXX I HAVE PROVIDED THEM WITH A POLICE REPORT AND ID THEFT REPORT, THE SAME ONE I AM UPLOADING TO YOU.
Product: Debt collection

Dear, automotive credit corporation I am writing to request validation of the debt you claim I owe. Please provide the following information : 1. Documentation proving the debt is valid and owed by me.

2. Proof of ownership or assignment of the debt.

3. The original contract or agreement.

4. A detailed accounting of the debt, including interest and fees.

5. Verification of your license to collect debts in my state.

Until I receive this information, I dispute the debt and request you cease collection activities. 

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

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDUELNT ACCOUNTS IN MY NAME I HAVE CONTACTED LAW ENFORCEMENT LOCAL AND FEDERAL AGENCIESI am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted experience about removing everything off my credit theres even some thing with XXXX  XXXX XXXX and XXXX XXXX that have been paid off nothing has been resolved I need this taken care of as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXG XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXXE XXXX XX/XX/XXXX XXXX XXXXE XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently viewed my credit reports and noticed an account that I did not recognize. It was a credit card reported from Citibank account number XXXX in 2017 that was showing as a charge-off. I reviewed this account and noticed that the payment history between the bureaus did not match and delinquency dates did not match, further showing the erroneous nature of this account. I disputed this account, but it kept coming back as " verified '' from the bureaus. The bureaus did not provide an original instrument of indebtedness, such as a signed contract or original signed application, that would be required in order to verify this account in accordance with the FCRA. So, I decided to contact Citibank directly in order to see how they were verifying this account. They received my letter on XX/XX/XXXX and, according to the Fair Credit Reporting Act, they have 30 days to verify the account. If the company can not produce the proper documents within that time frame, they MUST delete the account from the 3 bureaus immediately. It has been well over 30 days and Citibank has not sent me any documentation. They are therefore in violation of the FCRA and I want them to comply with the law by deleting this account from my 3 credit reports immediately. If they do not comply with the law, I intend litigate. I have attached supporting documentation.
Product: Student loan

I have XXXX loans on my account loan XXXX and loan XXXX that needed to be paid. Loan XXXX was a total of {$980.00} and loan XXXX was a total of {$1800.00}. I went on the website on XXXX to pay the total balance of {$2700.00}. I received a payment confirmation that this payment will be processed. On XXXX the moment was removed from my bank account and proceeded. When looking on the Mohela website it states I've only paid {$980.00}. 

I called customer service immediately and the calls kept getting dropped or hung up on. They said they are going to open up a research case to figure out where that payment may have went. I expressed that the money is already out my account and in their hands so please correct this. I was told that within XXXX business days I would get a response. 

I called back again the following week and was told that it could take up to XXXX weeks to figure out what happened. Mohela has taken my money, reported I still owe a loan to the credit bureaus and will not apply my payment. I have sent emails and tried reaching out to get this resolved and no one is helping.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

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  Balance : {$710.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I mailed in payment with post office, on XX/XX/year> with those people to sign when received. And signed on XX/XX/year>, they said they sent it back wrong zip code. On XX/XX/year> it was cashed. XXXX  said go to post office get them to track where it was cashed. And so I said I don't want my account closed. They said no not with this open. I sent another payment of XXXX through XXXX  on XX/XX/year> suppose to post today. I have all screen shots and why would you sign for something and cash it if it was not accurate!
Product: Credit reporting or other personal consumer reports

On ( XX/XX/2024 ), I sent a letter to ( COMENITY BANK/TORRID ) requesting the removal of an alleged account from my consumer report, stemming from identity theft. Despite more than 30 days passing, I have neither received a response nor has ( COMENITY BANK/TORRID ) complied with my request, a clear violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached is the letter mailed on ( XX/XX/2024 ), along with an updated FTC identity theft report.
Product: Debt collection

There is a collection on my credit report from Coast-to-Coast Financial Services . I sent a Debt Validation Letter priority mail on XX/XX/2024. The letter was received on XX/XX/2024. To date, I have not received any proof that I owe this debt, that this debt is valid or any other information requested via the Debt Validation Letter. Furthermore, despite not validating the debt or responding to my request, the company updated the collection on my credit report on XX/XX/2024. This is in direct violation of the FDCPA.
Product: Credit reporting or other personal consumer reports

there are inquiries on my credit report not associated with any accounts on my credit report and these inquiries did not help me acquire credit for any purchase but have been detrimental in me achieving financial freedom
Product: Credit reporting, credit repair services, or other personal consumer reports

In the process of creating my account for Experian, I am always denied creating an account with Experian to see my full credit report. I have attempted to reach out to Experian multiple times via email, but I never get in contact with anyone and am always redirected to an FAQ screen or a pre-written automated response. At this point, I am not given a reason as to why I am denied account creation, which means I am being denied access to my credit Experian credit report. 

Under the Fair Credit Reporting Act : You have the right to receive a copy of your credit report. The copy of your report must contain all the information in your file at the time of your request. 

As of this time, Experian hasn't given an official response to my issue and I've never been able to view my Experian Credit Report since the existence of my credit report.
Product: Credit reporting or other personal consumer reports

I have unauthorized inquiries on my credit report : My personal information has been compromised : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, SC XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, MI XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, TX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, OH XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted proof of an FBI investigation identifying me as a victim of fraud to all three bureaus, and only XXXX thus far has deleted the erroneous and incorrect information from my credit file. 

Experian and XXXX need to delete this information immediately.
Product: Credit card or prepaid card

Card was emailed and said to be delivered on XXXX XXXX it wasn't delivered and was returned to them. 
Contacted on the XXXX of XXXX asking for a replacement card. Only a generic copy and paste was given that an expedited card would be sent out ( they even forgot to delete the quotation marks ). No card was sent out at all in the end. 
Contacted again on the XXXX asking where card was. They had said no card was sent out and they would be sending an expedited card. They did not and completely cancelled the account instead. 
Called on XX/XX/XXXX and they told me my account was cancelled without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

After submitting Complaint XXXX ( XX/XX/2020 ) - I further engaged with CarMax XXXX XXXX. 

After deciding not to settle the account for the requested amount of {$1000.00}, I remitted a full amount of {$2000.00}. during the process, I received a letter stating that CarMax XXXX XXXX has found an error, and has overcharged my account for a Key fee and have internally corrected the balance error. 

This letter is admittance to inaccurate information being furnished to XXXX, XXXX  and XXXX  for multiple years. ( Letter is Attached )
Product: Mortgage

1 ) The mortgage servicer Shellpoint Mortgage Servicing has failed to accept and permit the submission and review for Mortgage Assistance to Mr. XXXX XXXX XXXX. XXXX XXXX RMA application was submitted 37 days prior to the sale date of XX/XX/2020. Shellpoint Mortgage Servicing stated that no additional information was needed, and that the modification would be processed properly. However instead of processing assistance application, Shellpoint Mortgage  entered a sale date of XX/XX/2020. 

2 ) Shellpoint Mortgage Servicing confirmed that XXXX XXXX modification application was complete ; however, within 10 days began to request additional information, specially a Profit and Loss form. The Profit and Loss statement has been repeat sent ; however, Shellpoint has not postponed and canceled the scheduled sale date as they indicated. they would. Shellpoint Mortgage Servicing has not honored their statements or agreements. 


3 ) Shellpoint Mortgage Servicing improperly started the foreclosure process prior to the customer, XXXX XXXX being 120 days delinquent. Federal Law requires a 120-day Pre-foreclosure period by CFPB mortgage assistance guidelines, ( per 12 CFR 1024.31 ) The promissory note or any other loan contract does not contain a due-on-sale provision, thus 120-day rule is in effect.

4 ) In addition, this constitutes dual tracking, based on the process starting before the 120-day delinquency period and Mortgage stated that file would be reviewed for mortgage assistance programs ; however instead of being reviewed, file was denied and continued to press sale date of XX/XX/2020.
Product: Credit reporting or other personal consumer reports

I have been trying to get this 30 day late removed for months. I have been communicating with Tranunion, XXXX, and XXXX. I have sent letters, called, and done everything they asked. I have not been helped. Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. This is aggravated identity theft according to 18 U.S. Code 1028A!!!!
Product: Credit reporting

I initiated a dispute XXXX/XXXX/XXXX with all XXXX credit bureaus ( XXXX, XXXX, and Experian ), because the original creditor failed to respond to my requests in XXXX/XXXX/XXXX. I allotted each bureau with time and documents supporting my claim that this credit entry DOES NOT belong to me. It has been over 30 days and rolling 60 days ... .I have not received an update regarding my dispute. However, when I log into my online accounts with the credit bureaus, the entry has not been updated nor removed. I feel I gave more than enough time to resolve this dispute. 
I think the original creditor, XXXX XXXX, is behind this ignorance. Either party ( the bureaus or XXXX XXXX ) should have contacted me by now. This account does not belong to me in the first place. I contacted the bureaus in XX/XX/XXXX reporting fraudulent activity on my credit profile, and then Federal Trade Commission in XX/XX/XXXX when more entries were appearing on my report. 
Please help me resolve this dispute. 
I sent the fist letter to the credit bureaus by regular mail on XXXX/XXXX/XXXX. 
The second letter certified on XX/XX/XXXX*XXXX tracking XXXX XXXXExperian XXXX XXXXMy postal has expected delivery dates ranging from XX/XX/XXXX-XX/XX/XXXX. 
Meaning each bureau should have received my 2nd dispute by now. Please review the attachments and contact me if you need any additional information.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, IL, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Listed below are the Accounts that are being challenged XXXX  - XXXX Listed below are the Collections that are being challenged XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!