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

On XX/XX/2019 I sent Midland Funding a letter letting them know that the information that was requested of them was invalid and that they needed to stop reporting negative information to my credit reports and the accounts should be closed and removed from my credit reports. Midland funding did not provide the proper proof for the accounts. They only sent me a print out of a bill, which is not valid proof of verification according to FTC opinion letter from XXXX XXXX XXXX XXXX. I sent this information to Midland Funding and they continue to report negative information to my report and did not respond to my letter. Their reporting is a violation and continues to prevent me from moving forward with my business to provide for my family.
Product: Checking or savings account

On Friday, XX/XX/28 I deposited a {$3200.00} treasury check via mobile deposit to my Capital One Checking account. Ive had this account for some time and make regular mobile deposits of my paper pay checks. This check was in my name deposited to my account. I also verified it on treasury.gov. 

A few hours later, Capital One locked my entire balance in both checking and savings. I called capital one and was told I needed to verify my identity and the reason for the check. I sent in all information they requested and was told an investigation would take 60-90 days and I wouldnt have access to my money until it was complete. Also that capital one would be ending banking relations. 

Today, XXXX I called again for an update and was told they check has cleared but I needed to send in a reason for the check as they couldnt verify it. I went on treasury.gov again and the check verified and was marked as paid. Capital one told me I would need proof of that from the treasury ( impossible ) and that I would need to provide that to the investigator before they could complete their investigation. 

I still have no access to my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts on my credit report that don't have anything to do with me. I dont understand this. Also its states that I missed a {$0.00} payment, although I clearly owed {$0.00} at the time, and never missed a payment. This error in my credit report has dropped my score so low since this, I can not get a car loan, home loan, not even a credit card!

Fraudulent Accounts : - NO NAME - Account # XXXX - XX/XX/XXXX - {$1200.00} - XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$780.00} - XXXX XXXX XXXX - XXXX - XX/XX/XXXX -  {$1200.00} - XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$360.00} - XXXX XXXX XXXX - XXXX - XX/XX/XXXX -  {$780.00} - ( SHOWS UP TWICE ) XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$780.00} - XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1900.00} - XXXX XXXX XXXXXXXX   - XXXX - XX/XX/XXXX - {$360.00} Incorrect Payment History - XXXX XXXX XXXX - XXXX - XX/XX/XXXX .- {$0.00}
Product: Vehicle loan or lease

Toyota reported a late payment in XXXX. I called and spoke with several representatives, and supervisors in an effort to get this removed. I was in the hospital from XXXX 2023. This can be easily verified. No exceptions or empathy for its " customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple multiple times contacted the listed below companies and filed disputes for this ongoing issue with the fraudulent charges reported to my credit upon which they fail to remove the items or provide any additional proof of anything legally required and validating it to my responsibility. I contacted XXXX, Equifax and XXXX. Here 's the issues that I have w these companies XXXX XXXX XXXX - XXXX  XXXX XXXX-XXXX-XXXX XXXX   {$620.00} XXXX XXXX  - XXXX XXXX XXXX-XXXX-XXXX BAL {$430.00} XXXX XXXX XXXX-XXXX-XXXX BAL {$1400.00} XXXX   XXXX XXXX - XXXX XXXX-XXXX-XXXX BAL {$690.00} XXXX XXXX XXXX - CHARGED OFF AND REMOVED FROM CREDIT PER XXXX   AND XXXX  {$0.00} BALANCE XXXX/XXXX IS AGAIN PULLING ON MY CREDIT FROM THE ORIGINAL FRAUD ACCT ABOVE WITH XXXX XXXX XXXX {$690.00} XXXX XXXX IS FRAUDULENT ON MY REPORT AND DISPUTED BUT REFUSED TO DELETE AND UPDATE ALSO W BAL NOT GIVEN XXXX XXXX - 4X REPORTED IMMEDIATE FRAUD AND WON'T DELETE BALANCE {$200.00} SAME FRAUD ISSUES W XXXX XXXX ( XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX AND BOTH XXXX XXXX ACCTS OPENED ONLINE WITH NO IDENTITY VERIFICATION EITHER ON ANY OF THEIR PARTS OR SIGNATURE, PHYSICAL ID NOT OBTAINED OR ANYTHING. I WANT THIS MATTER ADDRESS ED AND IMMEDIATELY REMOVE THEM FROM ALL. MY CREDIT BEAURUS
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like ALL dispute comments removed from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX personal loan, I dont know how to get it off my credit score. There is no amount due
Product: Credit card or prepaid card

I am a XXXXXXXX XXXX resident and the credit card company has raised the interest rate to over 31 % in the last couple of months. I've tried to discuss them lowering the rates but they refuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information across Experian. XXXX and XXXX ( e.g., conflicting and or opening/ closing dates, amounts owed and amounts paid ) .I was a victim of identity theft, and most accounts being reported are not familiar to me.
Product: Student loan

Navient is unable to provide fair payment plans I have been charged as high 15 % interest rates on my private loans. 
I have paid XXXX in interest and my principal has gone up each year now exceeding over XXXX I would like the same fair repayment plans as the federal government or at least the opportunity to refinance.
Product: Credit reporting

On XXXX XXXX I obtained my free credit reports from annualcreditreport.com Experian 's report showed on my browser and then became unavailable when I clicked to view the whole report. I called Experian and they can not give me a reason as to why the report can not be given to me. 
Furthermore, I ordered Experian 's credit score product. After submitting my social security number and credit card, the website said there was an error and I would not be charged. I see a charge on my card today immediately afterwards. 
This is now XXXX product from Experian that are faulty in the same day
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was sold from XXXX to XXXX XXXX ( XXXX ) on XXXX XX/XX/XXXX and XXXX XXXX failed to honor the original terms of the mortgage. When my loan was with XXXX, it was covered with SCRA credit reporting suppression ; however, XXXX XXXX failed to honor this coverage and disregarded my original coverage. I am XXXX XXXX XXXX XXXX and XXXX XXXX ( moved from XXXX to XXXX ) and during the COVID they still reported late payments to the credit bureaus, even though i notified them in XX/XX/XXXX that i was selling the home and asked for the COVID forbearance. However, the main issue is that my mortgage was protected from credit bureau reporting per my XXXX XXXX assistance.
Product: Prepaid card

I have tried multiple locations and this Amex Gift card is denied everywhere I have tried.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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
Product: Credit card

I have the Chase Sapphire Reserve ( CSR ) credit card. They advertised an offer for {$200.00} off a {$400.00} purchase at a retailer called XXXX. I activated this offer on XXXX, made a purchase totaling {$400.00} on XXXX. The retailer shipped the order out in 3 shipments, and the payment posted in 3 postings accordingly. The fine print of the order says if this happens, call Chase to ensure we get our credits. I have called no less than 17 times, I have sent emails, secure messages, and letters. They have not honored my {$200.00} and keep telling me that this is a known issue that they have escalated to the phantom marketing team who no one is able to get ahold of. Every time I call they say please allow us 5-7 business days. Then the requisite wait time passes and they say oh please wait another 10-14 business days This is an absurd way to avoid paying out what they have promised their customers.
Product: Bank account or service

I am seeking for the reimbursement of a check that I deposited on XXXX/XXXX/2016, at XXXX, into a WELLS FARGO ATM machine located on XXXX XXXX, XXXX CT, which the account became closed. 
I have been calling and going into the actual branch since XXXX/XXXX/2016, trying top retrieve that check and it has been unsuccessful. I am now claiming {$360.00} from WELLS FARGO that is overdue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX   XXXX XXXX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

My husband and I checked my FICO credit score on XX/XX/XXXX  to find that it was significantly lower than expected. I looked at the details of my credit report to find that there was a delinquency for a missed credit card payment. I contacted my credit card company ( XXXX ) on XX/XX/XXXX  to inquire about the missed payment because I had no recollection of missing a payment. They confirmed that they never filed a delinquency on my account. I created an account with XXXX to look at the credit report there and file a dispute, and when I looked at the credit report, it said that there was an adverse account with XXXX XXXX XXXX XXXX The account as an address that is a XXXX XXXX XXXX XXXX, XXXX. I did not create that account. 

I filed a dispute with XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and Equifax, and XXXX XXXX on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Experience has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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 Experian has neither corrected nor removed disputed 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 Experian inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
DEPT OF EDXXXX Balance {$24000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a home improvement project from XXXX XXXX on or about XXXX, 2022 and was told that the project would cost around {$17000.00}. that I could pay over a 5 year period. 

Subsequently I received a statement from Aqua after the project was complete informing me that the actual total was around {$29000.00}. 

I contested this and my requests to clarify and correct have been ignored and Aqua is reporting the account to credit agencies as " delinquent '' rather than possibly " fraudulent ''. 

As a result, other creditors that I am in good standing with are reducing my credit limits and further damaging my credit standing ( score ). 

In summary, the company that sold me the project ( XXXX XXXX ) misrepresented the terms/price, ( {$17000.00} ) then sold the paper to Aqua which is now attempting to collect {$29000.00} and perpetuating what appears to be an attempt to defraud me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve this problem with XXXX XXXX-as this account was to be deleted from my credit report due to the nature and the tactics of how they unlawfully repossessed the vehicle and due to the nature of the lawsuit that the company has been pursued against the company. I have contacted the company and the attorney general and the company even produced the paper work with the incorrect information to the attorney general. Inaccuracies are continuously being reported to the credit bureaus and the company keeps verifying and updating incorrect information. In the State of NC you are supposed to receive a notice of right to cure XXXX XXXX intentionally put the incorrect address on the letter, on the explanation of calculation of surplus or deficiency they only sent it to the co-borrower and not to the buyer/borrower. They are they are listing several different account numbers for my account, on my credit reports the account numbers are ending with XXXX on the statement sent to the attorney generals office the account number is ending with XXXX, I am confused with this account. 

Page 4-Explanation of Calculation of Surplus or Deficiency- was only mailed to Mr. XXXX XXXX which is the Co-Borrower ( XXXX XXXX did not receive a copy of this form ) Page 7- Notice of Right to Cure-Mandatory Form- XXXX/XXXX XXXX-intentionally listed XXXX XXXX XXXX address as the same as XXXX XXXX XXXX address when this has never been XXXX XXXX XXXX known address. or has never been an address they had for XXXX XXXX on file, as you can see on page 6, they listed XXXX XXXX XXXX address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX, her known address on file.
Product: Debt collection

Debt is between XXXX and XXXX. Phone were traded into XXXX and XXXX says I owe them for the phones. Sunrise Credit represents XXXX and un-lawfully re-aging reports of Debt Collection on my SSN and messing up my credit. Here is a sample of the Illegal Re-Aging practice as reported to all 3 credit agencies : Collections SUNRISE CREDIT SERVICE has flagged your account as Collections.

Yesterday Collections SUNRISE CREDIT SERVICE has flagged your account as Collections. 
XX/XX/2020 Collections SUNRISE CREDIT SERVICE has flagged your account as Collections. 
XX/XX/2020 Loan Paid
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2022 Balance : {$2100.00} These above accounts were opened fraudulently I submitted a complaint with the FTC I'm attaching any documents to support my claim, and I'm asking these above items be DELETED from my credit file, Thanks, XXXX XXXX.
Product: Debt collection

Financial Data Systems is trying to collect a debt on behalf of XXXX XXXX XXXX from XX/XX/2015. The original creditor did not bill my medical insurance within my insurance company 's timely filing guidelines. It also appears that this was not filed with my insurance at all. I also did not receive any documentation from the creditor regarding this debt. I only have the information presented from my credit report. I have tried to dispute the debt with this collection agency, and each time I am told this is a valid debt. This debt should be removed on the basis of the original creditor not filing this to my insurance company and on the basis of me not receiving any written notification or documentation regarding this debt. Please see the attached documentation showing when the DofD is, history of medical claims filed, and medical claims filed the date in question. Please review
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with XXXX XXXXXXXX XXXX  ( XXXX ) about something they reported on my credit report on XX/XX/2020. XXXX never responded back to me and instead got Heartland ECSI to respond on XX/XX/2020, in which they said Heartland ECSI handles these types of things for them. I sent them a letter asking for something bearing my signature, which they did not provide me within the allotted time by the FCRA. I also pointed out to them that they have an account number containing all X 's ( ex ... " xxxxxxxxxxxxxxx '' ), there was no date of last payment, there was no date of first delinquency and that the account needed to b removed immediately. I am not sure who's account number they are reporting as " xxxxxxxxxxxxxxxx ''. That is not complete or accurate information and I am not sure who that account can belong to, but that is how its reported on my credit report. 

Heartland ECSI responded saying that the information was accurate and they also stated that they would report to the CRA that this account was being disputed and they will continue to report it that way until I request they don't. I also sent them another letter, showing them that they also broke the law by not reporting this to the Credit reporting Agency within 30 days like they told me they were. I sent them a credit report dated XX/XX/2020 in which it showed they did not report the account as disputed. I also sent multiple letters to XXXX as well and this is still reported on my report. 

Heartland ECSI and XXXX broke the law multiple times by not reporting accurate and complete information that I could use to verify this account, and they also did not report this to the CRA as being disputed for OVER 4 MONTHS. I have run my credit report almost every week for the last year and 4 months after, they still did not follow the law. They have still not provided me any documents and they have still not given me an account number, date of first delinquency, and everything else I asked for. This account should be deleted and removed IMMEDIATELY as they have broken the law and the FCRA multiple times, even after I have written them multiple letters. My original letter was sent to XXXX XXXXXXXX XXXX and they did not respond until well over 90 days.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : 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
Product: Credit reporting or other personal consumer reports

SEE ATTACHED XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX Subject : Disputing Information in Credit Report I am writing to dispute the following information below. Please see the items listed below : ACCOUNTS : XXXX. XXXX, XXXX. 
Account Number : XXXX Reason : Charge offs, should have a XXXX balance, I dont remember having a charge off Instruction : DELETE this account XXXX. XXXX XXXX Account Number : XXXX Reason : Charge offs should have a XXXX balance, I dont remember having a charge off Instruction : DELETE this account XXXX. XXXX XXXX Account Number : XXXX Reason : Charge offs should have a XXXX balance, I dont remember having a charge off Instruction : DELETE this account XXXX. XXXX First Account Number : XXXX Reason : Charge offs should have a XXXX balance, I dont remember having a charge off Instruction : Delete this account XXXX. XXXX Bank Account Number : XXXX Reason : Charge offs should have a XXXX balance, I dont remember having a charge off Instruction : Delete this account XXXX. XXXX Account Number : XXXX Reason : Charge offs should have a XXXX balance, I dont remember having a charge off Instruction : Delete this account Please investigate this matter, DELETE these disputed items as soon as possible. 

Sincerely, XXXX XXXX
Product: Debt collection

I am writing with a heavy heart and a sense of desperation to request your understanding and compassion in a matter of significant financial consequence. I have been a loyal customer of SHELLPOINT MORTGAGE for 3 years and have always appreciated the relationship we've had. Unfortunately, life has thrown an unexpected and devastating curveball our way. Recently, my family suffered the profound loss of a close family member, my beloved father. This unforeseen tragedy has not only left us emotionally shattered but has also brought about unexpected financial challenges. During this difficult time, managing the obligations associated with our [ Bank or SHELLPOINT MORTGAGE account has become an overwhelming burden. I have reached out to your customer service representatives, and I must commend the empathy and understanding they have shown during our interactions. They have informed me about the possibility of a goodwill adjustment, considering the exceptional circumstances surrounding our situation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has put a delinquency on my credit report. date open XX/XX/XXXX and its has went into collection. I contacted the company who supposed to have the charge off account who is XXXX  XXXX XXXX, and they have no record of this note. they have since created XXXX complaint on my behalf. I want this removed off my credit report immediately being it XXXX  days delinquent. 

Balance : {$690.00} closed on XX/XX/XXXX. 
opened XX/XX/XXXX XXXX  XXXX type : credit card I was redirected to XXXX  XXXX XXXX and they wouldn't give me the complaint filed on record or give me a case number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempts have been made to the Credit and the Credit Bureau concerning this matter.
Product: Credit reporting 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 USC 1681. 

Account name : XXXX XXXXXXXX, Account name : XXXX XXXX  Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, 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 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 informationisinaccurate.

Please remove these Inquiries from my credit report.

These inquiriesarelisted :