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

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

4. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized inquiries listed on my credit report, as they do not reflect my consent and are negatively impacting my credit standing. 

The unauthorized inquiries are as follows : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

I have attached any relevant documentation to support my claim. Please investigate this matter and remove these inquiries from my report at your earliest convenience. 

Thank you for your attention to this issue. I look forward to your prompt response.
Product: Mortgage

My Mortgage is with Quicken. My rate is high so I wanted to refinance. I was about to close with a local credit union. Quicken contacts me and says we can get a better rate. We got this. So I say ok. Now I closed the file with my local credit union. Now last minute Quicken comes in again and says. They cant refinance because of a lawsuit with the XXXX  at my condo. But I can continue to pay at the higher rate. I think this is a shady practice just so they can get {$110.00} more a month out of me.
Product: Credit card

XXXX XXXX  made an electronic payment of {$7000.00} to my Macys American Express account on XX/XX/2023. The payment was processed by American Express on XX/XX/2023. Macys continues to state the electronic transfer was intercepted by a third party, who verbally they identify to be American Express, providing no written documentation of such claim. Macys has failed to recover the funds from American Express and to apply those funds to my account. In addition, Macys withdrew, via the automated payment process, {$1200.00} from my checking account totaling two payments in one transaction without my knowledge or consent. As a result I discontinued the payments, filled complaints disputing the full balance of the Macys account. I have not made any subsequent payments and have continued to dispute the balance. Currently, Macys is reporting me as delinquent in this account, having sent information to the credit bureaus significantly reducing my Credit/FICO scores causing damage to my personal and business credit reputation, preventing me from functioning credibly. I have continued to send information from my bank to Macys showing payment. My XXXX XXXX  representative has called, emailed proof of transaction but with no resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello i have disputed by mail and by phone also online with Experian about a public record on my report chapter XXXX Bankruptcy. They have stated that they verify though XXXX  XXXX  so i disputed through XXXX XXXX and they removed it yet Experian say they are still veryfying through XXXX XXXX.I spoke with XXXX and they said the courts do not report to them. I want this removed!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate XXXX  XXXX XXXX  XXXX XXXX I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. I am curious as to how someone was able to apply for accounts for business/credit when I already had a security freeze on my credit file please remove the following inquires : XXXX XXXX, XXXX, XXXX XXXX/XXXX, XXXX
Product: Credit card or prepaid card

In XXXX XXXX I made a payment arrangement with Synchrony Bank who is representing HHGREGG to make monthly payments of {$23.00} because of financial hardship. The representative that contact me informed of the terms and asked if I would agree to automatic draft withdrawal. I agreed to the automatic draft withdrawal, I set the date with them and also made a payment for {$46.00}. They made an extra withdrawal out of my account and had to send me a check for payment. Fast Forward to XXXX when I receive a threatening collection notice advising I was not keeping the terms of our agreement and not making the monthly payments. I contacted the company discussed the conversation from XXXX and advised I assume the automatic draft was taking place since I had not heard from them since XXXX. The representative went through the same process again and stated everything would be handled. I 've been making the {$23.00} as promised monthly. In XXXX XXXX I started working with XXXX XXXX to get my finance in order and at an affordable amount. I advised XXXX of the agreement with Sychrony and asked if they would send a proposal and make sure the {$23.00} payments was made to them timely. XXXX agreed. Several proposal for {$25.00} has been sent to Sychrony and have declined to the agree of {$23.00}. I continue to send them payment every month for {$25.00} however, Sychrony is not keeping their promise. They continue to send me collection notices and charge me late fees. They have even affected my credit score even more by reporting me being late every month. I am request that Sychrony be required to keep the promise we made for {$23.00}, remove the negative reports from my credit account from XXXX XXXX XXXX and agree to allow XXXX to continue to work on my behalf and accept the proposal.
Product: Credit reporting

In my disputing of some inaccuracies on my credit report, I requested to all the XXXX CRA 'S to send me documents that they received and the agency or person or contacts that were used in the process of the outcome stating that the inaccuracies were all verified.They have not responded with any supporting documents from these companies XXXX, XXXX, Office of Texas Attorney General as to how they were verified.
Product: Student loan

The Department of Education required updated income details to be submitted by XX/XX/XXXX as payments resumed after the COVID payment pause. Under threat of increasing my payment to the standard 10 year amount, I did what I was told. Submitting these details resulted in two problems. 1 ) my payment was calculated without considering my spouse 's income, resulting in a doubled payment amount and 2 ) the deadline requiring this information to be submitted was then extended to XX/XX/XXXX and a release ( see https : //studentaid.gov/announcements-events/idr-recertification-extended ) was put out describing that those whose payments were increased would have their payment amount reverted to the prior amount. Those whose deadline was extended to XX/XX/XXXX were later extended to XX/XX/XXXX by President Biden. 

The first problem was corrected before XXXX with much effort on my part. The second issue was not corrected. I have spoken to countless agents. Most of them have said that " many payments '' have been returned to their prior amount and that it's only a matter of time until this has been done for me. Applications have been submitted numerous times but overall, nothing has changed. Over the last 9 months, I have attempted to work closely with Mohela and the Department of Education. 

Many agents have promised that my payment will be returned to {$0.00} and nothing has been done. I have been patient. I have provided proof of what my prior payment was. I have been patient with the transition process from Mohela and the Dept of Ed. I now call every 2 weeks and they put my account into administrative forbearance without actually fixing anything. This has become ridiculous. They need to follow through on their promises and stop misleading me. Happy to provide documentation as desired but this entire painstaking process should be well documented in their systems. 

My husband, in this exact situation but with loans managed by XXXX just had his payment reverted to {$0.00} after 9 months of labor and a CFPB complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified all 3 bureaus that I am a victim of identity theft. In fact I have had an extended fraud alert on my credit for years and I am suppose to be contacted before lines of credit can be open. For the most part I am but for the following items and accounts I have not been. I let all 3 know that these are not my accounts or applications. It's been over 5 months since I did this and I have not received any update regarding the investigation or their findings. The items are still listed fraudulently on my account.
Product: Debt collection

This debt was sold, legally paid in full for less then full amount. There for im not responsible for this-my information was sold including my social security number which is a violation code.
Product: Credit reporting or other personal consumer reports

ON OR ABOUT 3 MONTHS AGO, I SPOKE TO XXXX, EQUIFAX AND XXXX IN REGARDS TO REMOVING AN INACCURATE ACCOUNT ON MY CREDIT FILE. ALL 3 AGENCIES TOLD ME TO REACH OUT TO THE CREDITOR " XXXX XXXX '' WHICH I DID. XXXX RESPONDED TO MY DISPUTE LETTING ME KNOW THAT THE ACCOUNT DOES NOT BELONG TO THEM AND IT BELONGS TO ANOTHER COMPANY CALLED XXXX XXXX. I RELAYED THIS INFORMATION TO ALL 3 CREDIT AGENCIES AND THEY HAVE ALL RESPONDED BY TELLING ME THIS ACCOUNT IS VALID, VERIFIED OR UPDATED. THEY HAVE ALSO STATED THAT THE ACCOUNT IN DISPUTE IS " RESOLVED ''. MY QUESTION TO THE CREDIT AGENCIES IS : HOW CAN THIS MATTER BE RESOLVED IF THE ACCOUNT DOES NOT BELONG TO THE CREDITOR REPORTING IT? I WILL ATTACH A LETTER REQUESTING VALIDATION, PROOF OF OWNERSHIP, AND A LETTER FROM THE CREDITOR THAT IS REPORTING STATING THAT THE ACCOUNT DOES NOT BELONG TO THEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX - XXXX XX/XX/XXXX Dear TransUnion I noticed the following issues with these accounts on my credit report : Account Name : XXXX XXXX XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. Can you delete this ASAP and send me and update. 
I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks. 
XXXX XXXX
Product: Student loan

I am applying for TEPSLF Loan Forgiveness because I qualify for it but not for PSLF due to being on Standard Extended plan, which servicer originally told me was right plan for PSLF (but wasn’t). I have made 122 monthly payments on time since XX/XX/XXXX, and have been full time with the same qualifying federal employer for the last 144 months to present. On XX/XX/XXXX, FEDLOAN asked for my income, family size for TEPSLF process. I provided to them via their app document upload XX/XX/XXXX. Today XX/XX/XXXX, they say since I never provided that info, they are canceling my TEPSLF request. They lied, and I have the upload and email proof I provided info on time. They have failed to provide correct loan calculation of all qualifying payments, and refuse to process my loan forgiveness. They continue to intentionally mismanagement this program and are committing fraud by lying about not receiving the requested info. Online search reports they deny 99% of people who qualify for loan forgiveness...Can President Trump and the Education Director fix them? No other financial institution make these kind of errors, therefore it must be intentional by FEDLOAN. Please help, they refuse to do their job.
Product: Credit card

I have tried to close my Citi credit card account in the Citibank branch, online, by calling my credit card. No result. Please help to close this magic credit card. 
Thank you.
Product: Debt collection

Calling friends and the agent provided them with my social security number and birthday which is personal information not to be shared with random people. He said his name was XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fiar Credit Reporting act XXXX account Account Name XXXX Account Number XXXX XXXX XXXX XXXX Account Name XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Account Name XXXX Account Number XXXX XXXX XXXX XXXX Account Name XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Name XXXX Account Number XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX has violated my right 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 also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Mortgage

I WAS TAKEN ADVANTAGE OF BY WINTERWOOD MORTGAGE IN INDIANA, HE TOLD ME TO LIE ON MY PAPERWORK, HE CHECKED MY CREDIT ABOUT 5-10 TIMES WITHOUT ASKING ME, MADE ME SIGN THE SAME DOCUMENT ABOUT 5 TIMES ( Mortgage Application Document ). WHEN HE ORIGINALLY CHECKED MY CREDIT, INSTEAD OF TELLING ME ALL OF THE STEPS HE WAS GOING TO HAVE ME TAKE HE JUST TOLE ME I NEEDED TO DO ONE THING, THEN ANOTHER, THEN ANOTHER, THEN ANOTHER, IT WAS SO EMOTIONALLY EXHAUSTING AND I HAVE BEEN WITHOUT A HOUSE/APARTMENT OF MY OWN SINCE XX/XX/XXXX OF 2016. HE ALSO MADE ME CALL A LOT OF PLACES FOR THE SAME THING MULTIPLE TIMES, IT WAS THE WORST EXPERIENCE AND LET DOWN OF MY LIFE. I AM ALMOST XXXX AND I HAVE NOTHING TO SHOW FOR IT, I THOUGHT THIS WAS GOING TO BE THE NEXT CHAPTER OF MY LIFE BUT NOW I AM SET BACK NOT ONLY FINANCIALLY BUT EMOTIONALLY, I AM BEHIND ON {$6000.00} THAT THEY WILL NOT GIVE BACK TO ME.
Product: Credit reporting or other personal consumer reports

DEAR, EQUIFAX I WOKE UP FRIDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF A CRIME... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD INQUIRIES FROM MY CREDIT REPORT. 
XXXX XXXXXX/XX/XXXX Inquiry : XXXX XXXX, XXXX GXX/XX/XXXX Inquiry : XXXX XXXX, XXXXXX/XX/XXXXInquiry : XXXX. XXXX, XXXX CXX/XX/XXXX Inquiry : XXXX XXXX, XXXXXX/XX/XXXXXXXX : XXXX XXXX, XXXX XXXX, XXXX. 
XXXX : XXXX XXXX, XXXX
Product: Vehicle loan or lease

Purchased the car XX/XX/ and less than 30 days needed to go to shop for engine going out. They fix it and I had to pay a {$250.00} deductible. Then a few weeks later, the engine went out again and needed to go to shop. They replaced engine and it happened again and I told them to keep the vehicle.
Product: Credit reporting or other personal consumer reports

i sent a letter to ACIMA DIGITAL FKA SIMP in regards to to their negligent and inaccurate reporting on my consumer report on XX/XX/year>. They are still willfully reporting inaccurate information on my consumer report after being notified of the errors. They have confirmed that the alleged debt of {$640.00} on account # XXXX has indeed been charged off. It shall be understood per IRS publication 4681 that cancelled debt must be reported as " ordinary '' or " gross income. '' Income is clearly not " debt, '' nor can it be reported on a consumer report as a debt. ACIMA has been notified by me the consumer that their reporting is in fact inaccurate.
Product: Credit reporting or other personal consumer reports

ATTACHED IS A CURRENT AND ACTIVE LAWSUIT ON FILE FOR EQUIFAX DUE TO WILLFUL NON COMPLIANCE OF FEDERAL LAWS THAT PROTECT MY RIGHTS AS A CONSUMER. 15 U.S. Code 1666B : The law clearly states that a creditor may not treat any payment on an account under an open-end consumer credit plan as LATE for any purpose, unless they send the information in section 1637B. Equifax re-investigation DOES NOT PROVIDE THE PROCEDURES IN THE RE-INVESTIGATION. IT only states updated and verified. The re-investigation should have detailed information and proof that the creditor mailed off the information listed in 1637B 21 Days before the payment was due. I have requested a description of the investigation procedure 15 U.S. Code 1681i ( 7 ) several times with no evidence of a true re-investigation.

Pursuant to Fair Debt Collection Practices Act " Late payments must be validated prior to them being placed on a credit report '' This is willful failure to comply with the law and this makes Equifax criminally liable for actual, statutory, and punitive damages due to my rights being violated under FCRA.

15 U.S. Code 1681 ( G ) ( A ) 1 : The law says there is a description of the procedure attached to my file and I have the right to request all of the information in the file and Equifax has failed to do so. 

15 U.S. Code 6802- Obligations with respect to disclosures of personal information.

Transactions are payment histories, hard inquires, new open accounts, student loans, and charge offs are all personal information. This law protects my rights from any non-affiliated 3rd party company. Equifax is a non-affiliated 3rd party company reporting my personal and nonpublic information in their database without my consent. Nonpublic information means personal identifiable information. I would like to have documents and disclosure forms stating that I gave Equifax the right to report my personal information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting a collection on my credit report, I have never done business with this company. I have never received mail from this company and they have not validated this debt. I disputed the debt and have not received anything is writing showing I own them money. 

Debt Validation : Collection agencies must validate the debt. Within XXXX days of the first contact, they must send you a letter detailing the amount owed, the name of the creditor, and how to dispute the debt. 
Dispute the Debt : If you dispute the debt in writing within XXXX days of receiving the validation notice, the collector must stop all collection activities until they provide verification of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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. 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 moreover 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.