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

I sent letters to all XXXX credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over XXXX days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Convergence with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX original creditor ; XXXX XXXX. 

XXXX The companies above have 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
Product: Student loan

I filed XXXX XXXX bankruptcy in XX/XX/2020 Sallie Mae was listed as a debtor on this bankruptcy case XXXX my XXXX XXXX  bankruptcy was approved and discharged effective XX/XX/2020, they are now trying to collect this debt. 
Please advise as I have sent them a copy of the discharge. 

Thank you XXXX XXXX XXXX
Product: Debt collection

I have a collection on my credit report from XXXX funding stating I owe {$600.00}. I sent a debt validation request to them, to which they never responded. I reported this lack of response to all credit bureaus to no avail. Upon contacting this company by phone, they say I dont have a debt with them. I get mail from XXXX XXXX saying that I owe them {$600.00}. This same debt. Upon contacting the company by phone, they say they can settle the debt for less than 50 %. When I asked to pay for 20 % they said the debt is with another party. I reached out to this third party and its a company called Stenger and Stenger, a law firm who says that I owe them {$600.00}. I have never received ANY contact from either XXXX  or Stenger and Stenger. Ever. I have never done business with them not have done any business with XXXX XXXX. I just see XXXX on my credit report and keep getting the run around from these companies. I asked them to delete the debt from my acct as I dont know its origin and they wont offer me a reasonable settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hate to be revisiting this issue but this a huge problem on your end that needs to be rendered immediately. You are reporting inaccurate information on my credit report. You are reporting late payments from XX/XX/2020 to XX/XX/2020. Not only did you not notify me of the late payment and the delinquency on my report which is required by LAW. You are also reporting inaccurate information which is a violation of 15 USC 1692 d ( 1 ) and a defamation of character. I have been making on time payments and this account needs to be updated to paid on time immediately or further action will have be taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses and names on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT name that should be deleted is XXXX, XXXX. The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

The following items I have been trying for months now yo get removed they are not my account and misleading. I reach out to the credit Bureau and get no help whatsoever. Items and companies I never did business with are has follow : XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX Hard Inquiries XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX Unknown Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

During Covid-19 me and my husband experienced reduced hours and job loss which made it hard to pay our car loan from credit acceptance. We explained our situation with credit acceptance and are currently on a reduced payment plan that we have made on time payments on but credit acceptance has reported 25 late payments on our credit reports which are dramatically affecting it. From the dates of XX/XX/2020 to present. This is predatory and violates fair credit reporting. My credit shouldnt negatively be impacted during Covid 19.
Product: Credit card or prepaid card

I had a negative balance on my Citi credit card due to events/concerts being canceled because of Covid-19. I had that credit on there for months. 

Without my knowledge, Citi then issued a check on XX/XX/XXXX for {$2200.00}. I didn't get a letter or anything regarding this. I then logged into my account on XX/XX/2020, noticed that my balance was now {$0.00}, and called to see what was going on. 

They said a check was issued on XXXX, and it should take 7 -  14 days to get mailed to me. I said it's already been that long. They said to wait a couple days. I waited and it still didn't come so I called back on XX/XX/XXXX, and they said they'll put a stop payment and then asked for my bank details and said they'll do an ACH transfer directly to my bank account and it should be there within 3-5 days. 

Here we are now, XX/XX/XXXX, and I still have nothing in my bank account. I repeatedly called them and no one can answer where my money has gone. 

I need this money into my bank account ASAP.
Product: Mortgage

We reviewed our closing disclosure on XX/XX/2018 and we feeling pressured to sign. Our loan officer did not offer to review with us and we were shocked to find out the loan origination fee of  XXXX on a XXXX mortgage loan amount. I feel like they are taking advantage of the New Home Buyer's credit and double dipping into our wallets as the consumer. I would like your help taking action and making sure this company is not ripping other uneducated first time home buyers.
Product: Debt collection

Company : Southwest Credit System My name Is XXXX XXXX. XXXX, My address is XXXX XXXX XXXX XXXX XXXX  XXXX Phone XXXX and my birthdate is XXXX. 

After checking an updated copy of my credit report. I have found several accounts that I dont recognize. I understand that before any account or information can be furnished to the credit bureaus ; all information and all accounts must be 100 % accurate, verifiable and properly validated. I am not disputing the existence of the debt, but I deny I am the responsible debtor. I am also aware that mistakes happen. I believe these accounts can belong to someone else with either similar name or with my information used without my consent either from the furnisher itself or an individual. 

In accordance with the Fair Credit Reporting Act, your agency is required to do a reasonable investigation into the matters of accuracy, completeness and be able to verify each specific entry. I am demanding physical documents with my signature or any legally binding instruments that can prove my connection to these erroneous entries, failure to fully verify that these accounts are accurate is a violation of the FCRA and must be removed or it will continue to damage my ability to obtain additional credit from this point forward. 
I hereby demand that these accounts listed above be legally validated or be removed from my credit report immediately. 
I understand that you must complete the investigation within 30 days of the receipt of this letter. Please send all replies to the address above with an updated copy of my credit report after all investigations are properly done.
Product: Debt collection

I have been requesting debt verification from Portfolio Recovery for quite some time. I formally disputed through my credit monitoring services and received nothing from the above mentioned debt collectors but they updated my credit report as dispute resolved, customer disagrees. I have asked on multiple occasions for phone calls to cease until Im providing the information I requested but the calls still persist with no validation of debt provided. I have never signed any agreement to pay with portfolio recovery and in their failure to provide the necessary information and cease the harassing phone calls they are in violation or several codes under the Fair Credit Reporting Act. Due to these repeated violations and failure to verify the debt or provide any necessary information I am formally requesting this be removed from my credit report within 30 days of receipt of this complaint.
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : ( Original Creditor : ) / {$35.00} / XX/XX/2022
Product: Mortgage

On XX/XX/19, I applied at Rocket Mortgage to get pre-qualified for a mortgage. I was conditionally pre-qualified after detailing my financials and other circumstances verbally. 

Once the process began, I gave more and more people the specific details about my circumstannces ... divorce, etc. 

The initial contact said they would work through all of that and that I needeed to be prepared to provide documentation and explanations for my circumstances. 

During the course of this process Rocket Mortgage reps called, one after another, and I made sure each of them knew that I was working in XXXX XXXX, Texas and buying a house in XXXX, Texas. Not one time did the issue of residency distiction come up. 

The only trace of concern was XX/XX/19 they requested a letter from my employer explaining my " re-location ''. I immediately responded reiterating that I was not being relocated and that I stay in my RV when I work in XXXX XXXX. I further explained that I came across the deal on this house and wanted to purchase it as my primary residence given I do not own a home and I own an RV Park XXXX miles away. 

After 41-days of back and forth, me providing all manner of paperwork, today I get a call stating that this will have to be classifed as a secondary home mortgage and I will need 10 % down plus closing costs. My circumstances will not afford that and it is completely unacceptable. 

It did not take them 41-days to determine that I would be commmuting from XXXX XXXX to XXXX and back ... I told them from the very start. 

What's more, their explanation of why this is a secondary residence was inaccuarate. I told them that I will be in that house at least 186 days of the year and that is more that than half of the year. 

104 Weekends 20 Vacation Days 9 Stock Market Holidays 53 Monday 's ( I leave at XXXX XXXX  on Monday 's to go back to XXXX XXXX ) 186 Total Days What is even more aggregious, they did the appraisal before they actually had the signed Sales Contract. They recommended their title company, XXXX, and then a week later called and said they could not work in XXXX County, Texas, where the subject property is located. They said that we need a Survey, and after the Seller paid {$850.00} and it was completed Rocket Mortgage comes up with this disqualification due to the distiction of the home. 

This is qwrong and they need to be accountable to their business practices.
Product: Credit card

Bank of America is suing me for not paying back medical bills while XXXX XXXX are flooding into our country by the hundreds and being given free rent, housing, and food money. XXXX
Product: Checking or savings account

My troubles with TD Bank. Long story XXXX requires a bank account before you can set up a seller account at XXXX. I have personal checking at TD Bank and there is a branch very close to me so I went there to open a commercial banking account to use to purchase equipment and supplies that I need to start and operate the business, and eventually, hopefully, to receive payments from XXXX and others when I finally sell products. It was a very big mistake going to TD Bank. Right from the very beginning I had trouble using the debit card the help desk said the account was under review and even though I had deposited money, I couldnt use my debit card to pay vendors. Eventually they straighten things out. My debit card worked, I used checks to pay contractors, everything seemed good, but I received a call from the branch manager who said : Your account will be closed because you dont have a website to sell your product. Hours and hours on the phone to anyone I could talk to at TD Bank no help so I took off a whole day to create a website that shows XXXX of the products that I am working on. XXXX. A wood product that I intend to manufacture here. XXXX. A XXXX container that a company in XXXX  will fill and package for me. XXXX. A XXXX product that a company in the XXXX is developing for me. - No, its not good enough, was the response from the branch manager. I appealed, I lost, now ( as of XX/XX/year> ) they are going to close my account because my website isnt good enough. Dear TD, you have wasted so much of my time. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2020 I bought 2 mattresses for a total of {$990.00} at the XXXX XXXX store ; In the negotiation with XXXX XXXX ( seller of XXXX XXXX ) financing through my credit card for a total of {$1200.00} which can be evidenced in the videos of the place that day. 

They began to give me discounts for {$95.00} biweekly until reaching the sum of {$1200.00}, after this, I received a call and an email from ACIMA,  notifying me that I had a debt with them for approximately {$1200.00} more For which I present this complaint of fraudulent sale since at no time did the seller of XXXX XXXX " XXXX '' inform me of this ACIMA company and less of its financing plans. 

This company ACIMA sent me via email a document where my signature is displayed, which is false since I never had knowledge of the said company, they created an electronic signature without my knowledge.
Product: Checking or savings account

, I was told to contact office for help referred by XXXX XXXX XXXX : regarding problem Im having with BANK OF AMERICA XXXX XXXX XXXX XXXX DEPARTMENT that over sees XXXX PAYMENTS. Last year my XXXX funds were stolen from my account, I have since filed claim with Bank of America they are refusing to refund my Money that was stolen, then I am being held responsible for to file on my taxes as if I received but Bank of America never pay me my money XXXX have sent them for me, they have allowed my account to be frauded and refuse to make things right, which leave me no choice but to seek outside help. My information XXXX XXXX : Address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. XXXX XXXX XX/XX/1996. Bank of America XXXX XXXX XXXX - Claim Number # XXXX. They have stolen all of my XXXX benefits leaving me waiting for months with no bell and have exhausted my resources.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter with payment for my account and I am waiting for them to adjust my credit report and increase my credit limit to what it was prior. In the letter and on the check it said if they chose to cash that particular check that they would restore my credit limit and remove negative information from all three credit reports. I would like them to correct the errors on they agreed to correct when cashing check # XXXX for {$580.00} dated X/XX/2018.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX my account with " ALDOUS '' was PAID/CHARGED OFF. The following credit bureau 's removed the charge off from my credit report immediately following the update : XXXX XXXX However, ALDOUS/XXXX  has not legally been compliant and has opted to keep the charge-off on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian by phone to figure out why my inaccurate accounts remained on my credit report, and the representative gave me no answer to why, just told me that my accounts would remain regardless of any thing i said.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX  are both reporting 60 late payments on my student loans which is not correct information. I contacted both student loan company 3 times and Transunion and XXXX  they have not taken care of the issue even after I submitted the notice I received back in XX/XX/2016 on my student loan forbearance. From XX/XX/2016 until XX/XX/2016 over 14 accounts are showing up late and it’s hurting my credit profile. I’ve called both customer service, disputed online, and sent letters to both Transunion and XXXX. Credit report still shows no update to this problem.
Product: Debt collection

On XX/XX/XXXX2016 I filed FTC Report Number # regarding identity theft for being billed and paying medical debts that i do not owe under my married name. Here I am having this issue again under my maiden name. This fraudlent billing seems to follow where every my step son lives,. First, in XXXX and now this bill is coming out of XXXX. He just left XXXX. I believe there is some type of connection. I followed the FTC recommendations for identity theft to prevent any further issues. I just received 2 bills in the mail today for the same amount with different billing numbers basically for the same ambulance company. The bill that was generated by this collection company changed the name of the ambulance service some. I do not owe anyone any money that I am aware.
Product: Debt collection

approximately around 2018, I started to receive calls from Audit and Adjustments regarding medical bills. I requested an audit of the account, however, it never happened. I requested a payment plan with them and they refused to accept what I could afford at that time. Now they are calling me repeatedly wanting my address so they can have me served by an attorney to my home. Durin COVID-19 this company continues to harass me.
Product: Debt collection

I have repeatedly asked this company to stop calling me, but they turn around and call me right back. They have been harassing me for months. I am not collecting dates and times to report them.
Product: Credit reporting or other personal consumer reports

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Product: Vehicle loan or lease

On or about XX/XX/2021, i leased a XXXX XXXX XXXX. 
The sticker advertisement on this car advertised that the car provides for 75MPGa, see attached as a true and correct copy of this advertisement by BMW which also list the VIN of the car leased to me. 
Subsequent to this BMW 's advertisement, i : leased the car.

Within a few days, i : noticed that BMW 's advertised 75MPGa is completely false and i : do not even get half of that.

In good terms, i : first contacted the dealer, i : was told i : should contact BMW headquarters, which i : did, see attached a copy of this email communications with BMWs agents.

In short, BMW 's management denied compensating me for my losses due to false BMW 's advertisement that the car delivers 75MPGa when it clearly does not by BMW 's own admission later on upon diagnosis at BMW.

Since i : have been severely economically and emotionally damaged as a direct and proximate result of utter false BMW 's advertisement that the car i : leased has 75MPGa consumption when it clearly does not, i : am demanding that BMW compensate me for my economic losses. 
BMW has agreed with me that they cheated me, but they do not provide any remedy to me for cheating me -- misrepresenting that the car get 75MPGa, when it does not get even half of that i : researched the law and found out the standard for fraud is 3X the amount of the fraud and i : keep the car, the car 's value is about {$50000.00} times 3 makes it {$150000.00} plus title ownership change to me.

Please fee free to call, mail or email me with any questions that you have.
Product: Debt collection

On XXXX XXXX I received a collection notice from PRO COLLECT in the amount of {$4500.00} and have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ;