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

I've had an ongoing problem with getting Equifax not actually completing disputes. This previously happened with a dispute I submitted for inaccurate reporting for XXXX. They said they completed the dispute on XX/XX/2019 ; still showing my account was late ( Account History with Status Codes ) However after speaking with the loan officer they informed me, they hadn't received a dispute in over a year. How is this possible? I had to reach back out to Equifax, initiate another dispute, with the email correspondence from my loan officer. At that time a real investigation was completed, and the inaccurate  information was updated. 

They're doing the same thing again. I initiated a dispute with Equifax because some how, Equifax and XXXX are reporting two different date of last activity on a XXXX account. They're 5 months apart. In addition to my concern for the attempt to re-age this account, the credit reporting agencies have a duty to ensure the information they're reporting is accurate and complete. The XXXX AND the Equifax dispute came back VERIFIED. Please see CFPB complaint XXXX for XXXX complaint in regards to this matter. In order to better understand this matter, I asked Equifax to provide me with the description in which the investigation was conducted. They have not. Instead they opened another dispute and verified it. 

XXXX now supposedly owns the debt for XXXX, I submitted for verification and validation, and instead they closed the account. CFPB complaint ID XXXX. 

I asked Equifax for the meas by which their investigation was completed for 4 accounts : XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX  Account # XXXX In response to my request for a description of the investigation they replied with the account be verified and belonging to me ; this is not what I requested. 

It's not fair or legal under the FCRA for these consumer credit reporting agencies to simply put in a 3 digit code in e-oscar, compare a name, an address, or a social and then say the information is accurate. 

When a consumer says the information is inaccurate, an actual investigation to these complaints needs to take place. If an investigation can not be reasonably completed or the information can not be verified, this information is not allowed on the consumer files.
Product: Checking or savings account

I am sick and tired of this banks customer service treating me absolutely horrible I just opened an account with them on XX/XX/2019 last week on Friday I have not received my debit card at first when I call they are nice and tell me its coming its been days and nothing has arrived and when I call them to remind them they treat me horrible nasty and keep telling me to go to a branch they give me a hard time refuse to speak to me and when I go to the branch they say their is no problem their crazy this is not nice Im a new customer and they treat me wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX XXXX XXXX ( " XXXX XXXX '' ). XXXX XXXX provides cardholders with online account management services ; these online account management services allows cardholders to, among other things, view balances, transactions, make payments and view the cardholder 's credit score. When I log into my account on XXXX XXXX 's website, my credit score is shown on the home page. XXXX XXXX 's website states that the credit score provided is " powered by Experian. '' XXXX XXXX 's website also states : " The score provided is your XXXX XXXX credit score. The XXXX display is intended for educational purposes only. The credit file used to create the XXXX is continously [ sic ] updated and the XXXX may not reflect the most current data on your credit file. To request a copy of your Experian credit report, please visit : XXXX XXXX XXXX. For more information on XXXX, please visit : XXXX XXXX XXXX. '' First, XXXX XXXX lists my credit score ( which XXXX XXXX states it receives from Experian ) as XXXX. Experian on the other hand, reports my credit score as XXXX. In addition, XXXX XXXX states that the credit score it  provides ( which is powered by Experian ) is the " XXXX XXXX XXXX XXXX. '' An Experian representative, however, informed me that Experian 's credit scores are based on the FICO 8 model. 

When I told a XXXX  XXXX representative about these discrepancies ( on XX/XX/2020 XXXX, I was told there was nothing XXXX XXXX could do about the issue, and because XXXX  XXXX provides my credit score at no cost to me, XXXX XXXX did not have to correct any inaccuracies.
Product: Vehicle loan or lease

From XX/XX/XXXX to XX/XX/XXXX I have been making weekly payments of XXXX to my auto loan. I set my loan up for XXXX to apply to payment and the rest to principle. In XX/XX/XXXX and XX/XX/XXXX capital one applied multiple payments directly to principle without my knowledge or premission. I was not notified of the reallocation and/or my payments were not rejected. For months I assumed my payments were being applied as I directed until I was charged a late fee XX/XX/XXXX. In XX/XX/XXXX I called to inform them that I paid this bill in advance and didnt understand why I received a late fee and that I couldnt make another payment for a week or so. When I called to inquire about my advanced payments and late fees, I was told I never paid in advance and my payments were applied as I asked and I missed payments thats why I was charged the late fee. To resolve the problem one agent moved my payment ahead a month and told me someone would be in contact about the 30 days late. No one called and nothing was changed. After persistent calls to capital one and a payment by payment review, that i could not do myself because they blocked my transactions on my online statements, I was told they changed my payments from what I allocated them as to complete principle payments and I was told I was paying my loan to far in advance. When I asked why I was not notified or sent the payments back they stated that is not capital one policy and I do not have to appove them changing the way I requested my payments to be applied.
Product: Mortgage

2 years ago my property was foreclosed on. I spent over a year trying to get a loan modification because my interest rate was 11.25 % Wells Fargo locked my account where I could not make payments thus putting me behind. Trying to save my home I contacted Wells Fargo numerous times to be told my mortgage had been sold to a private investor. They refused to tell me who the investor was and foreclosed on my mortgage
Product: Mortgage

I never signed a mortgage with Truist Mortgage or had a mortgage since XXXX. 

Truist Mortgage acct # XXXX reported to XXXX CREDIT BUREAU as having a mortgage relationship with me. The one and only mortgage I have had was null and voided in XXXX and my credit file was to no longer be touched after XX/XX/XXXX by anything included in the process. 

Truist Mortgage has never had business with me and should be removed off my XXXX CREDIT REPORT
Product: Credit reporting or other personal consumer reports

I have not done business with any of the companies below and I have disputed these issues with trans union and nothing has changed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Leased a " dormatory '' from XXXX XXXX in XXXX. In XXXX of XXXX, the school required me to leave, without moving contents, due to XXXX. They could not, and did not offer any housing solution. I was basically on the street with my backpack. 
The Lease states that it is terminated IF XXXX XXXX is unable to provide adequate housing. I understand the circumstances to terminate the lease. I have quoted the portion of the lease to XXXX as proof of this understanding. XXXX housing continues to attempt to collect the balance of the terminated lease. I don't owe them anything, yet the continued to the point today, they have a collections agency attempting to collect the debt. This is a fraudulent claim against me and it needs to be removed from my credit report. 
This is making me get rejected from apartment homes, thus leaving me unable to secure a home. This is damaging my credit, so when I apply for a home mortgage, i will surely get a higher interest rate. I consider these real damages caused by their fraudulent claim. 

I have formally communicated the dispute of this claim to the XXXX agency ; Southern Management Systems Inc . Yet, they continue to call my cell phone and leaving messages. I have communicated to them that I consider further attempts to collect this false debt to be harassment. 

Again, this position has been documented to them formally. I don't wish to be worked by them continuously. They need to start paying for my time to deal with this. 

XXXX housing has the lease and can look at Section 43B. = Lease Terminated XXXX XXXX
Product: Mortgage

I fell on hard times about a year ago and landed back on my feet and I was able to make my monthly payments on my mortgage with US bank up until XXXX of 2014. I ended up having to apply for financial assistance. My mortgage supervisor lead me to believe I was doing the right thing and at that time I had the money to pay the backwards amount but she instated on going a different route so I decided to fill out all the paper work and submit it a few months later I had heard nothing back form them so I decided to email my supervisor and ask her if I can make payments so I do n't fall so far behind she told me no that the process is in under writing right now and there would be no reason to make a payment due to being accepted for financial help so two more months go by and I get a letter stating I was not accepted for help and I have fourteen days to appeal so the next XXXX days I called my supervisor XXXX a day and left voicemails tell her voice mail box was full I never heard back from her for a full month and in the mean time getting another month behind on my payments. when I asked her about all this she denied it but I have it all in writing through emails so she has yet to contact me back on my options then another month and payment behind goes by and I get a letter in the mail stating I am due for foreclosure which I was doing everything in my power to stay out of that is was my supervisor who was not contacting me not keeping me informed and not doing her job yes I fell behind and that 's my fault but now I am nine months behind due to her not helping me and leading me in the wrong direction I had the money to pay what I was behind at month XXXX and not being nine months behind and no help my home will be foreclosed on unless they take back fees due to her emails and telling me not to make a payment. if you feel I have a case please call me and I will forward the emails to you of her stating not to make a payment.. I will forward emails so you can read every one of them they sent me
Product: Credit reporting or other personal consumer reports

Please see the XXXX bill attached for violation of accounts XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and delete from my credit report because you are reporting inconsistent information. You were sent an FTC report and failed to remove this account therefore I am now seeking monetary relief for your negligence and violation of the FCRA. You were notified over 45 days ago in a letter that was sent certified mail that you were in violation for reporting conflicting dates for the date last active and failing to notate that the account was in dispute. I am filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. See the FTC report and the True bill attached. Remit payment to address on the invoice within 10 business days. If this account is not deleted and payment is not received, I will forward this information to my legal attorney.
Product: Credit card or prepaid card

Originally, I used the credit card to pay a year of phone service on my brother 's ( XXXX ) account with mint mobile on XX/XX/2019 in the amount of {$190.00} billed as XXXX XXXX XXXX CA. However, on the same day the phone payment was placed on a security hold SECURITY CREDIT-ITEM UNDER INVESTIGATION. 

Because of the problem, I have had to use another credit card XXXX XXXX to pay for the phone service, because once the charge was reversed, the phone company disconnected my service. I also called into Citi soon after, letting them know that the charge was legitimate. 

Citi reports that they reinstated the charge and paid XXXX XXXX on XX/XX/2019. However, XXXX XXXX has no record of the payment. So essentially, I have paid XXXX XXXX three times, once from Citi ( reversed ), once from XXXX XXXX, and again from Citi ( after the security hold was lifted ). However, they only have a record of the XXXX XXXX   credit card payment and the reversed Citi payment. 

My brother and I have called/emailed both XXXX XXXX and Citi multiple times. XXXX XXXX insists they have no record of the transaction and Citi transfers me repeatedly between customer support and their security dept, but neither can help me. Citi has reported that they are unable to dispute the charge as XXXX has recommended.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX {$4800.00}
Product: Debt collection

Dear Collector : XXXX XXXX XXXX Im requesting that you validate the debt below. 
This letter is not a refusal to pay ; however, I would like to advise your company that I am disputing your claim. Under the FDCPA, I am allowed to request validation from third party collection agencies. As you know, failure to comply with the FDCPA will put your company in a bad position with the FTC, so I am asking that your company. 
supply me with a copy of the following : ( 1 ). Proof that you either own or were assigned the debt from the creditor.

( 2 ). Proof that you have the right to collect this debt in my state.

( 3 ). Proof that your company carries a bond.

( 4 ). Proof of how your company assessed the outstanding debt.

( 5 ). Payment history from the original creditor.

( 6 ). Name and address from the original creditor.

( 7 ). Copy of the original contract bearing my signature.

( 8 ). Chain of title on this debt.

( 9 ). Proof that you can collect this debt from me.

( 10 ). Do you own it or is this debt assigned?

( 11 ). Copies of all letters sent to me from you and from the original creditor.

( 12 ). How much did you buy the debt for?

( 13 ). When was the last date a payment was made on this debt?

( 14 ). What fees/interest was tacked onto the debt?

( 15 ). How were the fees determined? 

While validating this debt, you must cease all collection efforts until you can send me sufficient proof as listed above. If you choose not to send me the proof requested, you must delete the reference account from my credit report. 

Thank you for your time and cooperation. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I completed a Chapter XXXX Bankruptcy that started in XXXX and actually completed it in XX/XX/XXXX early. It is now starting to show on XXXX XXXX all these years and we are trying to refinance our home currently a XXXX XXXXXXXX XXXX balloon taken over by XXXX ( XXXX XXXX ) during the bankruptcy and the interest is 9.75 %. This on other reporting agencies is showing XX/XX/XXXX, either way, it is beyond the two years we started this process. We have liens that we are trying to remove from our deed, they are removed from our reports. XXXX XXXX should not just now be showing aXX/XX/XXXX bankruptcy that is completed as a hard negative impact on our credit.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to dispute and request validation for several items on my Experian credit report. I am a real person with no help. I have experienced difficulties in accessing my report, and upon successful access, the information provided seems inaccurate. 

Enclosed is a dispute letter addressed to Experian, outlining my concerns and the specific details I am seeking for each account. I have previously sent this letter to Experian multiple times without receiving any response. 

The list of accounts in dispute is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request your assistance in facilitating a resolution with Experian and ensuring that the necessary investigations are conducted. Please see the attached dispute letter for your reference. 

Plus my personal information is still wrong. 

Thank you for your attention to this matter. 

Thank You.
Product: Payday loan, title loan, personal loan, or advance loan

They keep harassing me over payments I cant make and the interest rates I didnt agree to they make up whatever amounts they want then expect me to find the money and pay
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

The company is continuing to reflect inaccurate accounting. The timeline is outlined by FCRA 611 5 b 3 and and Discover has still has not complied with the federal protection consumer laws. I am continuing to suffer financially, professionally and emotionally as a result of these violations.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts from my credit report as permitted under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2 ( a ). My information was compromised in the XXXX data breach. As a result, this has led to me being a victim of identity theft, and unauthorized accounts being opened in my name. I have included an attachment of XXXX confirming my information was compromised and I kindly request that Experian block the following accounts and prevent any further reporting of them on my credit report : XXXX  XXXX, Account # : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account XXXX : XXXX In accordance with 15 U.S.C. 1681c-2 ( a ), I request that these accounts be blocked from appearing on my credit report along with these addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MD, XXXX Additionally, I am requesting the removal of the following Hard Inquiries that have resulted from this identity theft. 
XXXX XXXX  : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I never lived at XXXX XXXX XXXX XXXX XXXX Fla I lived on XXXX XXXX in XXXX fla
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX  XXXX acct # XXXX, DEPT of ED/XXXX acct # 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 a account without my written instructions.
Product: Credit card or prepaid card

XX/XX/XXXX, XXXX I put in a dispute with Chase Credit Card for a charge to XXXX XXXX XXXX XXXX the amount of {$10000.00} XX/XX/XXXX, XXXX I cancelled the dispute as the merchant stated they would refund the money and work directly with us XX/XX/XXXX, XXXX Merchant continuously communicated they did not receive the money back yet ; therefore, I submitted an additional dispute to Chase XX/XX/XXXX, XXXX Merchant 's bank accepted the dispute and agreed to let Chase keep the disputed funds XX/XX/XXXX, XXXX Chase claims to have submitted the funds back to the merchants bank ( after I submitted an additional dispute ) This dispute was not handled appropriately. Currently, both Chase and XXXX ( merchant 's bank ) state they do not have the funds, yet I am without a product and have paid {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Caine & Weiner is mistakenly reporting on my credit. My obligation with the original creditor XXXX was fullfilled. There should be nothing in collections. Please delete. See attached as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint regarding the continued reporting of the fraudulent items on my Credit Report. It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts and items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records ( learned through more research both parties require ). Please remove these the Following items completely from my Credit File : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}. If the Credit Bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.