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

XXXX charged me {$810.00} for a item I never received and it is still on my credit report from XXXX and other Credit Agencies 2 months later I've made several phone calls to the reporting Credit Agencies also to XXXX XXXX corrected that are on that end yet XXXX and other Credit Agencies I still reporting inaccurate information after I told him over and over again that balance was incorrect they didn't investigate him and said it was accurate two or three times this is absurd legal actions need to be taken
Product: Credit reporting or other personal consumer reports

I called the company to speak with their customer service department. It was at that time I requested the removal of inaccurate personal information. I was informed they were able to complete my request due to other reasons.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion, XXXX XXXX XXXX XXXX XXXX XXXX regarding information listed on my credit report such as name, address, ssn, inquiries, accounts. They have compromised my identity yet again and continue to list ssn and other identifiable information including accounts not listed in my name or belonging to me on my credit report. A ssn ending in XXXX is listed on my report along with the name of the individual. Not only is this listed under me I have an active fraud alert and police reports due to this dated back to XX/XX/XXXX and XX/XX/XXXX being the most recent. These companies were notified of these police reports and continue to compromise my safety and identity. They have accounts on my credit file tied to addresses in which I have never had accounts or live. They have information on my credit over 10 years old and continue make updates to account monthly listing them as charge offs that are inaccurate! I have recordings of ever person I spoke with by phone!
Product: Debt collection

I have never opened this account ( XXXX  ) in XXXX it says. I have never lived in a XXXX Il. Where this account came out of. I have lived in XXXX XXXX Nv since 2003. I have went through XXXX XXXX, it has came back that it is mine, in which they are wrong. I have never order from XXXX ever!! Credit collections is LVNV funding LLC and says I owe XXXX dollars.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally request the immediate correction of inaccuracies in my credit report due to XXXXXXXX XXXX failure to conduct a proper investigation regarding the reporting of late payments by XXXX XXXX XXXX. Despite providing substantial evidence to XXXX, as well as XXXX and TransUnion, demonstrating XXXX XXXXXXXX XXXX reporting errors, the inaccurate late payment remains on my credit report. 

As a consumer, I relied on XXXX to conduct a thorough and fair investigation upon my dispute submission, which included detailed documents substantiating my claim. However, your failure to fulfill this duty has caused significant harm to my creditworthiness and financial standing. This matter has now escalated to the Federal Courthouse due to XXXX XXXXXXXX XXXX  reporting errors and your agency 's non-compliance with its investigative obligations. 

I am aware that the Consumer Financial Protection Bureau ( CFPB ) has recently filed a case against XXXX for failing to investigate consumer disputes adequately. Given the precedent set by the CFPB 's actions, I am entitled to have my credit report corrected immediately, reflecting the accurate payment history and removing the erroneous late payment entry. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), I request that XXXX take the following actions within 30 days of this letter : Conduct a thorough and complete reinvestigation of my dispute with XXXX XXXX XXXX. 

Provide a written response detailing the investigation results and any corrections made. 

Remove the inaccurate late payment notation from my credit report across all reporting bureaus.

Failure to take appropriate action will leave me no choice but to seek further legal remedies to protect my rights as a consumer. 

I appreciate your prompt attention to this matter and expect a response confirming the resolution of this issue. Please contact me at your earliest convenience should you require any additional information. 

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

So I sent a letter off XX/XX/2022. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802, no financial institute is suppose to share my information to a third party. 

These are clear violations of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

CHARGE OFF ARE CONSIDERED TO BE EARNED INCOME. I REQUEST A 1099C AND THEY DID NOT SENT ME A 1099C. INCOME IS FORBIDEN TO BE ON A CREDIT REPORT ACCORDING TO CONGRESS :15USC16812AI NO TRANS ACTION OR EXPERENCES ARE ALOWED TO BE ON A CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX OF XXXX  XXXX XXXX : {$0.00} XXXX OF XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$9900.00} XXXX XXXX Bankruptcy XXXX Liability : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$560.00} XXXXXXXX XXXX XXXX XXXX Balance : {$200.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I began a dispute with Equifax in regards to a public record item reporting incorrectly, inaccurately and incomplete on my credit report. The first response requested me to send in identification. I sent that in on XX/XX/XXXX ; I was then ignored and I sent a letter disputing no response from them on XX/XX/XXXX. I finally get a response that states the public record item was " verified '' by a third-party company XXXX. I also disputed that public record item with XXXX ( in XX/XX/XXXX ) and the results back as it was REMOVED XX/XX/XXXX from my credit file and is no longer reporting on there. I wrote to Equifax explaining the removal as well as a copy of the proof from XXXX however Equifax claims it has still verified that item through XXXX as accurate after their re-investigation, which no proof of investigation was sent to me and no note/remark was placed on my file during investigation or up until now. This proves Equifax has not done an actual re-investigation and continues to report an inaccurate, unverifiable, incorrect item and therefore has violated my rights to have accurate and verifiable information reporting on my credit file.
Product: Credit reporting

I talked with a loan originator on XXXX XXXX, 2016. She did a " Hard '' credit inquiry. The next day I spoke with a different bank and he did a " Hard '' credit inquiry. My middle credit bureau score was reported by Experian. It had dropped XXXX points overnight because of the hard inquiry. This put me in a different loan category causing me to pay more for my mortgage. The second bank told me that legislation required that if you were shopping for a mortgage with different lenders that the bureaus must report the same scores to each for 14 days. I can not find anyone at Experian who will discuss this with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act Spring Oaks LLC, 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 I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : I am a victim of ID Theft. I never had a account with XXXX or YOU. If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. The letter you sent was to a address I never lived at before. I do not have a sister and never have. This is proof that someone is impersonating me.
Product: Debt collection

I received a letter from American Coradius International LLC on XX/XX/2023 stating that I owe a debt to XXXX in the amount of {$110.00} I have never taken part in any transaction via XXXX for {$110.00}. Additionally, there is no proof of any transaction for that amount in my XXXX history. This is a fraudulent claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act, Original creditor : XXXX XXXX Bank accnt # XXXX, 15 USC 1681 section 602 A States the rights to privacy. 15 USC 1681 section 604 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 166B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. 15 USC 15 USC 6802 B, c, d obligation with respect to disclosure 1681 A and E term investigative needs to be interviewed 1681 D Disclosures portion to request investigative report consumer given explanation to not disclose you have right to opt out. The following Inquiries need to be removed immediately as XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX To Whom It May Concern, I am requesting that you provide information regarding a credit report listing that appears as XXXX XXXXXXXX within my consumeXXXX files. Until I fully understand this tradeline, I wont know whether I should dispute either the credit reporting or its underlying debt pursuant to FCRA, FDCPA, or other applicable statues. Please know that I have received authoritative 15 U.S.C. 1679a ( 3 ) assistant in framing and sending this reasonable request and that I stand ready to escalate further should I not receive the information within 15 days because you may have seriously damaged my rights, personal reputation and financial standing. For that reason, I am demanding you very specifically for the following information : Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
Moreover, I am formally requesting that you communicate with me only in writing pursuant to FDCPA or related consumer protections. 
Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account XXXX Has reported an accuracy across all three reporting crediting agencies and I am asking to have my one late payment they reported removed immediately. XXXX has already cleared up the discrepancy and removed my account but it is still showing in accurate on Experian and XXXX.
Product: Credit reporting or other personal consumer reports

Greetings, There is information on my consumer report that is a result of identity theft. I did not provide explicit written permission and or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions made by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, amount {$1500.00} AFFIRM INC | XX/XX/2023, amount {$25.00} You are required to do what I am asking pursuant to fear credit laws sanctioned by Congress and block these transactions from being reported on my consumer report within four days from the date of the receipt of this notice. I am looking forward to your expeditious response and level of professionalism regarding my consumer rights. As verification of my identity, I have provided a copy of my driver 's license. 
Thank you,
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715, 715. I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute letter to XXXX, Transunion, and XXXX  regarding fraudulent information on my credit report. I mailed these documents by certified mail ( Tracking ID : XXXX ) and it shows XXXX  received my letter on XX/XX/2021 at XXXX XXXX. XXXX  received my letter on XX/XX/2021 at XXXX XXXX  ( Tracking ID : XXXX ) and Transunion received it on XX/XX/2021 at XXXX XXXX  ( Tracking ID : XXXX ) It has been almost 60 days, and these fraudulent items remain on my report. I have experienced much mental distress as a result of their continuous false reporting on my profile. I have been denied employment, housing, auto, and several other opportunities as a result of their neglect in conducting a proper investigation into my dispute.
Product: Mortgage

Around XXXX XXXX I encounter a family funeral expense and could n't pay my VA Mortgage on XXXX XXXX and I made contact with First Continental /XXXX. 
On a recorded conversation on a landline from my cell phone # XXXX with First Continental rep stated that I can be provided support on XXXX XXXX mortgage payment of {$1700.00}. 
I respectfully requested a deferment of my Va mortgage payment of {$1700.00} for XXXX XXXX and {$1700.00} be placed on my loan payoff, because my XXXX Agent XXXX of XXXX, Texas has listed my home for sale on the XXXX to payoff for the VA loan of {$250000.00}. 
First Continental Mortgage wants me to reapply for a loan modification or Forebearance? Why? VA Lender can just have the {$1700.00} on the VA Loan payoff once my home is sold. 
I been having issues with First Continental /XXXX since XXXX XXXX till Present and now I am selling my home.I have filed various complaints against VA Lender since XXXX XXXX till Present. 
As a XXXX XXXX XXXX Military Veteran I been going through a Discrimination and Retaliation with VA Lender. 
I am XXXX and Retired. 
VA Lender stated they do n't have a payment deferment, but they want me to do a Loan Modification for the {$1700.00} XXXX in which they can put that {$1700.00} on the payoff of the loan was my home is sold. 
Since my filed in XXXX, Texas Bankruptcy Chapter XXXX on XXXX XXXX and BK XXXX discharged on XXXX XXXX by Federal Judge. 
On XXXX XXXX I began making timely VA Mortgage till XXXX XXXX of {$1700.00}
Product: Credit reporting or other personal consumer reports

Error on hard inquiries. Please remove XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection on this UNKNOWN XXXX for months.XXXX and XXXX   have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Checking or savings account

It doesnt make sense if I dont have overdraft protection.. how did I get a over draft fee on XXXX. I have the call recorded when I took it off and I have the calls recorded that I dont have it on there. I will be filing a class action law suit if this fee is not taken off. Because most of the fees were caused by Wells Fargo and I have those past calls recorded before I took the over draft protection off. Thank you for your time. Have a wonderful day and please be safe.
Product: Credit card

On XX/XX/XXXX, I purchased a XXXX  Mens Classic Fit Shirt from XXXX for {$130.00}. However, I received a slim-fit shirt instead of the classic fit advertised. I noticed this error on XX/XX/XXXX, and immediately initiated the return process. I obtained a return authorization from XXXX and mailed the item on XX/XX/XXXX via XXXX, with delivery confirmed on XX/XX/XXXX. 

I promptly responded to XXXX request for documentation ( under Dispute ID XXXX ) by providing proof of the returnincluding the return authorization, USPS tracking information, and photographic evidencedemonstrating that I returned exactly the item I received. Despite this, my Citi account has not been permanently credited with the refund, and the merchant continues to dispute my claim by alleging I returned a different or used item. 

*** Resolution Sought : I respectfully request that Citi finalize my dispute in my favor by permanently crediting my account with the full refund amount of {$130.00}, and that the involved parties investigate the merchants conflicting claims.
Product: Debt collection

BYL collection services did not provide adequate verification for debt question. No documents were provided showing contract or signature
Product: Checking or savings account

Mobile banking app does n't update the correct balance. Which has caused multiple over drafts in the lifetime of my account. Some of which have been reversed but some that have not. They are slow to send information to  3rd  part applications such as "  XXXX  ''
Product: Debt collection

We resided at the XXXX XXXX apartments. My other half didnt pay his portion of the rent. We were given the option by upper management to vacate the unit and they would not process an eviction also stated that we would owe anything if we vacated the premises. We cleaned up The apartment the same way it was given to us and had the carpets done. We were told to leave the keys in the apartment on the counter. We vacated the apartment and did exactly as we were told and left the place emaculate. Even cleaned their nasty fridge they gave us. The apartment was in Prestine condition compared to when we moved in. Management rented the place the next day. They collected on our deposit XXXX and they charged us for back rent which they told us they wouldnt as long as we left and vacated the unit. We did exactly that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus 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 please Im TRYING TO BUY A HOUSE
Product: Checking or savings account

I was a victim of ID theft and my account with BOA was compromised. I was not given information about the reason why my account was closed or what had taken. The account says suspected of Fraud activity and was never determined. 

Closure status date : XX/XX/2019 Original charge off amount : {$280.00} I reached out to BOA to reconcile the situation via mail and never received anything back.
Product: Credit card

i did not open capital one credit card in my name this is fraud and i need this removed from my credit report immediately. 

account # - XXXX ... ..Balance {$730.00}
Product: Debt collection

XXXX has 2 accounts reported on my behalf to the credit bureaus. One account is approximately {$2700.00}. The account was disputed in XXXX of XXXX. The account was removed, however it has appeared back on my credit report. I am requesting debt validation. If the debt can not be validated, it should be removed from all three credit bureaus.
Product: Vehicle loan or lease

On XX/XX/XXXX, I entered into a consumer credit transaction with XXXX. XXXX indirectly sign over my consumer credit transaction over to Santander Consumer USA. On XX/XX/XXXX, I sent a cease and desist notice, Santander Consumer USA has failed to acknowledge. On XX/XX/XXXX, Santander Consumer USA STOLE MY VEHICLE. Santander Consumer USA HAVE FAILED TO NOTIFY ME IN WRITING. While looking over my contract, I see XXXX and Santander Consumer USA has violated several laws. Please see attach letter for violations. Santander Consumer USA has stole my vehicle. Taking possession of something you do not own is thief. Having a lien of a vehicle does not mean you own it. XXXX allow a XXXX ( third party ) to come and get my vehicle. This is a violation ; the XXXX ( third party ) was not their to witness the contract and is not apart of the contract. I want to know how did the XXXX ( third party ) get my address, location, and I did not give the XXXX permission to take my vehicle. This is an infringe of my right to privacy. XXXX failed to disclosed/withheld my right to rescind transaction, and other violations attached
Product: Debt collection

I called to IC Systems to verify a debt on my credit report. The company has no records of me or any debt in my name. Ive disputed this several times on my credit report and somehow it keeps coming back as verified.