23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I disputed an inaccurate amoun t ( {$2000.00} )  being reported  by Fair Collection and Outsourcing. I t came back as verified however, I nor the credit reporting bureau did not receive any type of documentation proving said account/amount is valid. I was told by  XXXX  at  XXXX  that all the company has to do is say the account is accurate and it gets reported. That 's just like saying  XXXX  owes me {$500.00} just because I said so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following 3 companies have fraudulent information, wrong personal information : XXXX : NAME should be " XXXX XXXX '' PREVIOUS ADDRESSES : I do not recognize those addresses EMPLOYERS : XXXX XXXX  is not correct Experian : ALSO KNOWN AS : I am not known by any other names other than my actual Name which is " XXXX XXXX XXXX XXXX I am NOT " XXXX XXXX XXXX '' or " XXXX XXXX '' DATE OF BIRTH : should be XX/XX/1995, not just " XXXX '' PREVIOUS ADDRESSES : I do not recognize any of those addresses XXXX : XXXX : should be " XXXX XXXX XXXX XXXX XXXX i have no former names EMPLOYERS : XXXX XXXX  is not correct All of this incorrect/fraudulent information is hurting my credit report and not allowing me to qualify for mortgages or anything. This false information also is making Charge-Off accounts to remain on my report.
Product: Credit card or prepaid card

I filed a dispute with Citibank after receiving contacting XXXX XXXX XXXX  to receive a refund on a deposit paid XX/XX/20 after XXXX XXXX sent me a letter on XX/XX/20 stating my trip scheduled in XXXX could be canceled as they were suspending travel through XX/XX/20. I forwarded several emails to the billing dispute department at Citibank on XX/XX/20, XX/XX/20, and XX/XX/20. XXXX  XXXX sent an email to me dated XX/XX/20 which stated that they were suspending travel through XX/XX/20. In doing such, they breached the original agreement for travel. Despite providing this information, Citibank informed me that I should have stated I did not receive the service, versus stating the dispute was over the cancellation of service. This seems to be a play on words or mere semantics. In the end, I did not receive the service paid for. On XX/XX/20 I spoke with XXXX XXXX, XXXX of XXXX at XXXX XXXX that stated that on XX/XX/20 they agreed to the chargeback and did not dispute it. Mr. XXXX stated that XXXX XXXX is not in receipt of the {$920.00} deposit and is not certain why Citibank is stating that the dispute was not upheld because XXXX XXXX accepted the chargeback. In a time of high stress of the pandemic and XXXX bias in America, I do not think it is fair to be treated with such continued bias and unnecessary stress. Citibank has failed to help me, the consumer address this problem. Mr. XXXX provided me documentation that the chargeback was accepted, enclosed I will include it in this complaint. 

Citibank Dispute number : XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting

Equifax is not responding to my request to investigate and remove XXXX account from my credit report that does not belong to me.
Product: Credit reporting or other personal consumer reports

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with XXXX XXXX  XXXX Please prioritize this matter for prompt action. I have tried to email them, at XXXX XXXX XXXX a part of Experian Consumer Support Division XXXX XXXX XXXX XXXX, TX XXXX But I am not getting any response or completion of my request. 
"
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX  XXXX with the XXXX major credit bureaus regarding a charge-off account issue. Despite attempts to resolve the matter, the XXXX credit bureaus have failed to provide adequate information and assistance regarding my charged-off account. 
XXXX XXXX XXXXXXXX Balance Owed : {$3900.00}
Product: Credit reporting or other personal consumer reports

In XX/XX/2021 I closed an account with XXXX XXXX and experian is refuses to correct the issue on my experian credit report The account should fall off of my experian credit report XX/XX/2031 not XX/XX/2033 The account with XXXX XXXX was closed XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX, consumer, natural person, original creditor of an open-ended credit plan was violated by SANTANDER CONSUMER USA by furnishing negative information on my consumer report in the form of a late payment, defaming my character, leaving me vulnerable to denials of credit, higher interest rates, and other adverse actions of the like. I am disturbed and stressed that this reporting is being shown to others.
Product: Credit card or prepaid card

Went through the XXXX to begin the process of applying for a Discover XXXX credit card. During the application process, before I could submit the application the app proceeded to the next page. It also asked me to acknowledge the terms and conditions which I didnt. I called Discover To report the situation and to see if they could remove the hard inquiry. I was transferred to multiple representatives and by the time I reached the last representative I was told they could not remove the inquiry and that the application went through after I acknowledge the terms and conditions. I explain to them how I never selected anything and that there mustve been a technical error. The third representative admitted that it was likely a technical error and they were going to report it to their IT department. They told me they can not remove the inquiry and that they would have to open the account and close it within 48 hours although I rejected the application. They told me to contact the credit bureau XXXX which I did. However XXXX told me that you can not dispute a hard inquiry with them that the creditor must contact them to request to be removed. I explained I was handicap and this is difficult for me. Discover is refusing to remove the inquiry and they are also refusing to not have the account appear on my credit report although they met that it could be a technical error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report I mailed a  XXXX  letter on  XXXX   XXXX ,    2017  by certified mail in order to remove an account that is on my account due to fraudulent activity. On  XXXX   XXXX ,    2017  i issued a fraud alert on my credit report so that this could not happen again. I have not heard back from   XXXX   and would like this account to be deleted from my report.
Product: Vehicle loan or lease

On XX/XX/XXXX UNITED AUTO CREDIT CORPORATION received E.F.T. to setoff & discharge alleged debt for XXXX XXXX XXXX XXXX vehicle. Pursuant to 12 CFR 1026.13 - Billing error resolution. On XX/XX/XXXX, I was scheduled to close on an auto loan transaction with the business entity, UNITED AUTO CREDIT CORPORATION at address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. My payment was accepted and successfully added to the ledger/bookkeeping and the account was paid-in full. As of XX/XX/XXXX, the Trustees, UNITED AUTO CREDIT CORPORATION, reopened account and reapplied another alleged debt, and refused to return payment " untouched '' that was sent via USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX Affidavit of Fact and Conditional Acceptance was also sent all secured parties involved in this " cash transaction '' .The Trustees have continued and failed to perform their duties as Trustees of the XXXXXXXX XXXX XXXX for XXXX XXXX XXXX. A certificate of live birth ( certificate of title ) is a bond that evidences title held by the XXXX XXXX XXXX ( XXXX ). The issuer has a legal title ; you have an equitable title up until you partner up to share an equitable title with the United States. XXXX creates the XXXX XXXX XXXX which is surety for the Vessel. The Vessel is the body and evidenced on the application by length, weight, and footprints. A body manifested into the sea of commerce. The beneficiary is supposed to be Me, Myself, and I. But the XXXX XXXX XXXX ( XXXX ) is at XXXX XXXX XXXXXXXX XXXX XXXX XXXX and operates both the public and the private side. Under XXXX XXXX XXXX Laws 18 U.S.C. 1964 as corporations may have established a pattern of racketeering activity by using mail to collect an unlawful debt. If proven there is a conspiracy to deprive of property without due process is various constitutional violations under 18 U.S.C.A. 241. Knowledge and neglect to prevent a United States Constitutional wrong. 31 U.S.C. 5118 ( d ) 2 None can ask for payment in a specific coin. 31 U.S.C. 3123 There is no money, so no one can demand payment... the United States will discharge debt dollar for dollar. XXXX : XXXX, XXXX Conditional Acceptance of your Offer of Refusal of Payment-
Product: Student loan

I received an email notification on XX/XX/XXXX advising me that my next payment is due on XX/XX/XXXX. I logged onto the website for Mohela advising that my next payment is due on XX/XX/XXXX. My next payment shouldn't be due until XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the FDCPA, you have the right to debt validation. This means a consumer can demand that a creditor reporting information to the credit bureaus prove the account is really your responsibility and that the balances are accurate. I have tried several times contacting the collection agency showing on my credit report " Pro Collect & XXXX XXXX XXXX '' for debt validation. I have also contacting the credit bureaus several times for debt validation. Neither has shown proof of debt validation. 

According to FDCPA the law states : " If the collection agency failed to validate the debt and has sent a notice of the debt to a consumer reporting agency, the notice of the debt must be removed. If not, send a notice of the failure of the validation to each consumer reporting agency that lists the debt. Unless the credit reporting agency can validate the debt, it should be removed from your credit report. If the collection agency sends you proof they have the right to collect the debt, the debt is yours, and the amount is accurate, then the debt is validated. '' It has been well over 30 days for the collection agencies and the credit bureaus for showing proof of debt validation. Therefore I am asking that Pro Collect Inc & XXXX XXXX XXXX to be removed from my credit report immediately.
Product: Credit card or prepaid card

On XX/XX/XXXX my card was fraudulently charged 3 times for a total of over {$3000.00}. When I received a text message fraud alert for one of the charges I immediatly notified my company and reported the other 2 charges. The company closed that account and opened a new card transferring my balance over and assured me it would be handled. The largest of the 3 charges cleared from my account in a few days but the other 2 have subsequently posted to my account as billable charges. I called them a further 4 times in an attempt to get those charges removed and all they did was repeat a script and lie to me telling me each time I would see a credit for them in 3-5 business days. Obviously this has not happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX  - Acct # XXXX, XXXX XXXX  - Acct # XXXX, XXXX XXXX XXXX - Acct XXXX XXXX, XXXX XXXX XXXX - Acct XXXX XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX, XXXX XXXX  - Acct # XXXX 15 U.S.C 1681 Section 602A : States I have the right to privacy. 15 U.S.C 1681 Section 604A, Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 

I have not given written or verbal instructions or permission to share my account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have files several complaints nd have not Been answered in a satisfactory manner by Wells fargo. Pls call me At XXXX. I have sent them transaction records and a copy of all bank statements to Wells fargo and Thy found XXXX errors but Did nothing To correct them. If I. Any find help from your organisation then I will need To take them To court again. I took them To court in XX/XX/XXXX and XXXX never followed The court judgement. Thy have Also never called me and apparently now XXXX have put mh house in dore l'osier as of XX/XX/XXXX with out dvising me. Thy have dfidThe court judgement a and I dont understand How XXXX can legally do this when I took them To court and won. I Will Also be in contact with The judge on my case. Wells fargo go es you a reaponse that rhey think you want To here and never take Care of The questions on hand. Pls call me At XXXX so we can discuss. XXXX have failed To report and apply all of my payments which have Been made on Time. 

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

I've called all 3 credit bureaus about these hard inquiries that appeared on my credit score. I've spoken with consumer service and they did not do anything. All year long I have been fighting these hard inquiries and recently notice more duplicate inquires and some that re-appeared from 4 years ago. 

XXXX  >XXXX >XXXX >XXXX >XXXX  >XXXX  >XXXX   >XXXX >XXXX >XXXX  >XXXX   >XXXX >XXXX  >XXXX >XXXX  >XXXX >XXXX   >XXXX >XXXX Equifax >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: Debt collection

On XX/XX/2019 I requested validation of the debt from IC System ( tracking XXXX XXXX XXXX XXXX XXXX ) I still have not received validation of the medical debt and it has been well over 30 days. 

This account can not be validated 100 % legally and accurately and it needs to be deleted.
Product: Credit reporting or other personal consumer reports

In reference to an account of XXXX XXXX, Account # XXXX XXXX XXXX  - I sent a letter letting Experian know that this account is not being reported correctly, and to please update to show that it's never been paid late. I received no response. 

XX/XX/XXXX - I sent a letter to Experian following up that this account is still showing incorrect information and that it needs to be updated to show never paid late. I received no response. 

XX/XX/XXXX - I sent a letter to Experian letting them know that this account is still showing incorrect information, and that it needs to be updated to show never paid late. I asked for the method of verifying this information - but again, never received a response. 

XX/XX/XXXX - I sent a letter to Experian informing them once again that this account is continuing to show incorrect information, and it needs to be updated to show never paid late. - Once again, no response. 

XX/XX/XXXX - I sent a letter to Experian explaining the numerous letters I have sent to them over the months since XXXX XXXX and explained that they continue to report inaccurate information that is damaging my credit profile. I sent them factual information that shows the data furnisher that is reporting this account is reporting different information to different credit bureaus. There is NO WAY that this can be verified as accurate. I advised that if this was not resolved, I would be filing a complaint with the CFPB. 

I have never received any response to my letters. The only way I know what is going on is by looking online at my credit report/profile to see what they are updating. They continue to report inaccurate, damaging information and continue to put a statement that it has been verified on the account.
Product: Credit reporting or other personal consumer reports

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of XXXX XXXX data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
I hereby notify you to ensure the accuracy of all your claims, as mandated by the XXXX XXXX reporting standard. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice i have fraudulent accounts on my report. Please remove them, they are hurting my ability to obtain credit. Also the inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I co-signed for a vehicle on behalf of my ex wife. The vehicle was repossessed in XX/XX/XXXX. I received a XXXX cancelation of debt and instructed to file it on my XX/XX/XXXX taxes. I did so after talking to Santander and being informed it would bring the charge off balance to {$0.00}. Needless to say they lied. After applying for a loan recently I was denied due to the account having a substantial balance. Not to mention this account is over 9 years old now. When I called Santander to ask about this, they were extremely rude to me and told me the XXXX was merely a formality. Being XXXX XXXX I know this is not a formality. I am writing asking with help in resolving this issue. It has cost me several opportunities over the years. I do n't check my credit file and had no clue this was going on since I have never once spoken to them because my divorce changed my contact information and address. The only reason I received the XXXX is because my daughter found it in the trash at my ex wife 's home and saw my name on it. Santander has been very hard to deal with on this matter and we need assistance in order to grow our company, an effort thwarted over the last few years by this matter. Thank you for your time and attention to this.
Product: Credit reporting or other personal consumer reports

They've been the most difficult reporting agency to dispute with. I sent in several dispute letters, and they send me back stall letters stating that a credit clinic is helping me or someone who is not authorized. When all along it's me. I sent in my most recent dispute letter via USPS certified mail, and they have not conducted a reasonable investigation into the matter within the timeframe allotted by federal law. I spoke with XXXX, XXXX and XXXX. They aren't complying. They are wanting me to upload a police report which I've done before and yet get same results.
Product: Debt collection

There is an account showing on my report from XXXX XXXXXXXX XXXX. : account # XXXX. It is showing as PAID IN FULL but also as a CHARGE OFF! I would like to have the item removed from my report.
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 Experian. 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. Experian 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 UTAH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 Dear Sir or Madam : I am writing to dispute the following information in my credit file. The item Im disputing is XXXX XXXX XXXX credit card account ending in XXXX, as reported by XXXX XXXX  XXXX XXXX XXXX XXXX, Ohio XXXX. 
This charger off, account record is inaccurate, I am requesting that the account be deleted. And no longer reporting. 
Please investigate this matter and correct the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I applied. Was accepted, never got email. Comenity 's phones and website are not working. Comenity claims that a system upgrade went bad and they are working on it. According to the complaints on the XXXX page this has been happening for at least ten days. 

So now they have my personal information on a card that I can't use, that someone else may be using and they won't talk to me. Check out their XXXX page. 

I do not know my card number. I used XXXX XXXX XXXX XXXX in the form below They haven't sent it yet, just approved me for a loan. Someone else is probably using it.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 
Accounts XXXX XXXX XXXX  Opened XXXXXXXX XXXX XXXX XXXX Closed Account/opened XX/XX/XXXX XXXX XXXX XXXX XXXX Closed account XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX DEPT OF EDUCATIONXXXX Open account Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Closed account Opened XX/XX/XXXX XXXX XXXX Closed account Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  DEBT BUYER ACCOUNT Opened XX/XX/XXXX Also the addresses on this credit report is inaccurate never lived there XXXX XXXXXXXX XXXX XXXX XXXX XXXX tx XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX AR, XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX
Product: Debt collection

I received a letter from Spring Oaks Capital attempting to collect a debt in the amount of {$640.00} that they claim they own. I was told that I had until XX/XX/2022 to dispute the debt. I sent them a letter on XX/XX/2022 and requested verification and documentation of this debt. From my understanding, they must stop collection on any amount I dispute until they send me the information that shows I owe this debt. I am not understanding why this account is listed on my XXXX credit report as I have not received a response at all from Spring Oaks Capital and it has now been a month since I sent a validation request to this company.