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

Hello, I purchased some floor tiles from XXXX XXXX XXXX. To make this purchase I opened a new XXXX XXXX XXXX credit account which is actually a credit account thru XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX Account # XXXX The tiles that I purchased were delivered broken and some were unusable. I contacted the merchant for weeks to attempt to resolve the issue but they refused to provide replacement tiles to me. As such I mailed their company a letter informing them I would not pay any balance due until the matter is resolved. 

I then contacted XXXX XXXX  by letter informing them I disputed the entire balance due and that I wanted them to communicate to the merchant that I was refusing to pay the balance because they had not delivered all the tiles as promised. 

This was in XXXXXXXX XXXX XXXX. I waited three months for a reply from XXXX XXXX  only to be told they never received my dispute in the mail and that I needed to start over and send all of my information again. 

In XXXXXXXX XXXX XXXX I provided XXXX XXXX  all of the documents again including my explanation letter describing my dispute and the bank acknowledged they now posses my dispute. 

It is now XX/XX/XXXX and XXXX XXXX  has still not resolved this matter however XXXX XXXX  has started reporting late payments to the three credit reporting agencies and my credit score is dropping drastically.

It has been over 6 months since I first disputed this issue with the bank and it is totally unfair that they have yet to resolve this matter. I have provided them clear photographic evidence that the tiles were broken, this should be an open and shut case in my favor. 

I need assistance getting XXXX XXXX  to finally act and resolve my dispute. 

I should also mention I have used the tools the credit agencies provide to dispute this account on my credit report but they always just indicate the account information is accurate and do nothing. 

The information *is not accurate and I do not actually think any real attempt is being made to rectify this issue by the three credit reporting agencies. 

Thank You in advance for any help you can provide me. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my XXXX XXXX and noticed several late payments on an account I was never late for. The account is for XXXX XXXX and the account number is XXXX. 

Consumer reporting agencies have assumed a vital role in our financial system and are responsible for reporting consumer information to the best of their ability with maximum accuracy. I have never been late on payments for this account. 

Please investigate this matter immediately and provide Proof with statements showing that these payments were late. 

If proof can't be provided, I demand that these payments be updated to " On Time '' as they should be. If this is not done, I must file a complaint with the Consumer Financial Protection Bureau and the Federal Trade Commission. 

Thank you for your time and attention to this matter.
Product: Student loan

I would like to set up a payment plan to pay off my loan of  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate the time and effort you dedicated to removing a portion of the Fraudulent infromation being reported on my Credit File but upon further inspection, there is still an items left that should also be removed. In accordance with the Fair Credit Reporting Act section 605b, I am requesting that you remove the remaining inquiry completely from my Credit File. This XXXX was not authorized by me nor anyone on my behalf. Please remove this inquiry at the earliest possible time : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If you believe that this inquiry is accurate, I need you to send me any copies of proof of verification or any documents supporting your claims that the disptued item belong under my name. In the absence of such documents, immediate deletion of the disputed inquiry will be greatly appreciated.
Product: Checking or savings account

A fraudulent account was opened in my name by XXXX XXXX on or around XX/XX/year>. I immediately contacted the bank to inform them that the account was opened fraudulently and I was assured the account would be closed. However, the last several months Ive been contacting the bank regularly to request a written confirmation of the closure of this account but have not received anything yet. To be clear, my only request is to receive a written confirmation of the closure of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint to you today to request that Experian run me copies of documents bearing my signature to prove the status of the disputed account. If they unsuccessful to comply with the condition and continue the reporting of the disputed account, please realize I will pursue legal action. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please have this account corrected : XXXX XXXX  XXXX
Product: Mortgage

PNC CONTINUES TO PLAY GAMES AND NOT COMPLY. THEY HAVE DENIED THE CLIENT ON XX/XX/XXXX FOR THE HAMP WHEN IT WAS STILL IN PLACE STATING THEY DIDNT HAVE A COMPLETE PACKAGE. WE ENTERED AN AGREED SALE DATE WITH XXXX XXXX OLD ATTORNEY FOR THE BANK XX/XX/XXXX TO BE HELD IN 20 DAYS OF COURT DATE BANK AND ATTORNEY WHERE NOT AVAILABLE TO EVEN SEND US A RESPONSE TO A DATE. TILL XX/XX/XXXX AT WITCH TIME THE PRIVATE MEDIATOR THAT THE DEFENDANT IS PAYING FOR WERE OUT ON VACATION FOR THAT WEEK. AFTER THAT, THEY WOULD NOT AGREEE TO A MEDIATION DO TO THE FACT THE TIME HAD EXPIRED ON COURT ORDER. AND TODAY XXXX I RECIEVE A DENIAL LETTER OF XXXX 2016 THAT WE HAD NOT SUBMITTED A COMPLETE PACKAGE. THEY HAVE ALSO CHANGED LAW FIRMS TO XXXX. HEAD ATTORNEY IS XXXX XXXX PHONE NUMBER XXXX. NOW THIS ATTORNEY AND LAW FIRM HAVE NO IDEA OF WHATS BEEN GOING ON FOR THE LAST 3 YEARS WITH THIS BANK. THIS IS MY CLIENTS PRIMARY HOME AND HE HAS BEEN STRUGGLING TO KEEP IT AND THE BANK CONTINUES TO PLAY GAMES WITH OUR CLIENTS HOME. ISPOKE TO XXXX FROM PNC TODAY ID DVK AND WAS TOLD THEY CANT DO ANYTHING FOR THE CLIENT CAUSE THE HAMP PROGRAM IS NO LONGER VALID. WE HAD A FIRST COMPLAINT # XXXX WE REALLY NEED YOUR ASSISTANCE IN THIS MATTER.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received XXXX. I ask for them to take off the Louisiana child support off my credit and had gave them a copy of the court order, but its still hasnt resolved and my credit drop 32 points after the dispute.
Product: Credit card or prepaid card

I had an offer from my credit card company to do a balance transfer to pay other credit card, they send me three check to use it for the transfer with 0 % interest for one year, that was on  XX/XX/2020 company name TD CREDIT CARD I call the company to find ask about the offer, and they told me they can do the transfer for me and told me I have enough to cover the transfer for the amount of {$7200.00} plus a fee the charge, without letting me know or asking me about it they place a hard inquiry on my credit report, and they wasn't supposed to do that because I was already a customer, so I call the company when I did find out about it and the company representative told me that they don't do that because is was a balance transfer I was already a customer and will start an investigation to take care of the mistake, so I call back on XX/XX/2020 and the company told me that they won't removed from my credit report because I agree to that, which I didn't, I ask for a copy of the recording conversation to see if I agree to that and told me they won't give to me, this is unfair because they blocking me for two year if I want to apply to another credit card company that offer balance transfer I want the hard inquire to be removed from my credit report so I can have the choice in the future to pay any debt with 0 % interest from other company which I did before with other credit card company without any problem I didn't requested a new credit card to place a hard inquire on my credit report just a balance transfer this was an unfair business practice from the credit card compay
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputes with Experian with no results, results in " 2 days '' so much for investigation..this has to do with an alleged account on my credit report ( XXXX XXXX XXXX ) re dating item, changing $ amount, today they reported me as late payment on credit report in last 60 days. Alleged debt is 3 years old, yet today slapped with a 60 day late ( Illegal to do ) I have no contractual agreement with these people NOR are they registered or licensed to practice in state of Wisconsin. MANY VIOLATIONS OF Fair Credit Reporting Act and Fair Debt Collections Practices. I DEMAND IMMEDIATE REMOVAL OF THIS FROM CREDIT ACCOUNT SINCE I HAVENT received letter of debt validation or payment history or letter of notice 3rd party this national credit adjusters taking over supposed debt. 
What's the sense of disputing errors on credit report when you get the run around and games when you do report errors!?!?
Product: Debt collection

I am filing This CFPB complaint to report two separate fraudulent accounts appearing on my consumer fico credit report which I do not recognize as reported and which is the result of identity theft, and fraud. The collections account is by XXXX XXXX opened on XX/XX/year>, account number XXXX, in the amount of {$1600.00}. The other account is by a company called XXXX XXXX XXXX in the amount of {$650.00} account number XXXX. I demand that these fraudulent accounts be removed from under my credit Profile reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. The 3 Credit bureaus that are reporting these fraudulent and inaccurate collection accounts are XXXX XXXX XXXX and Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified the company on XX/XX/XXXX of the unlawful reporting on my consumer report and violations made against me on their behalf. I wrote to them via a written letter with a notarized affidavit attached. The company has not complied to any of the demands, and has not furnished any type of accurate proof that I gave them written permission to furnish said information ( which I DID NOT ). They also have not furnished any proof of any ORIGINAL documents of said information reported on my account and have not responded in kind with an affidavit of their own. 

My livelihood is being impacted by this unlawful reporting, and I demand that they are held accountable for their actions.

They are in violation of 15 USC 1681b - permissible purpose of consumer reports, THAT CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I HAVE NOT GIVEN THEM PERMISSION TO FURNISH ANY INFORMATION.

They are also in violation of FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include - ( A ) Subject to section 1681 s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; AS WELL AS 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy CFPB, is it not your responsibility to hold these credit reporting agencies to the law set forth by Congress?? ? These are my RIGHTS being infringed upon, and it is negatively affecting my life. This is absolutely unacceptable!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I made a credit card payment to the Citibank Costco XXXX XXXX XXXX ( XXXX ) on XX/XX/23 for {$12000.00}. The outstanding balance on my account was reduced by this same amount. 
After trying to use the card on XX/XX/23 the card was declined for unavailable funds. The credit card is approved for {$13000.00}. After calling Citibank I was told that because the payment on my account was so large they were going to put a hold on the account until XX/XX/23. I have made many payments in the past and the available funds on the account were available immediately. Citibank is holding my available funds hostage and there needs to be better regulations to stop this practice. Citibank has the funds but will not release the funds to my available credit. 

They also told me that they needed to make sure the funds were available in my bank account before they can can these funds available on my credit card. They called my bank while I was on hold and determined the funds were available. My bank account with XXXX XXXX XXXX XXXX debited my account on XX/XX/23 for the {$12000.00}.
Product: Mortgage

My reverse mortgage was transferred to Champion mortgage .  I received a letter from  Champion mortgage requesting payment as they are a  debt collector. I called  Champion  and they stated don't pay any  attention to the request.  If I don't answer the request within a short time frame I will lose any right to a rebuttal. I requested a E-mail stating  The wording in this case did not apply to me and I was told that would not be possible. I called XXXX more times talking to different people and as soon as they received my loan number I  was disconnected.  I have no one to talk to or a proper address.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly invesitgate my disputes regarding inaccuracies on my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FRCA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request CFPB take action to ensure XXXX complies with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX  XXXX Balance Owed : {$110.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

. Professional Debt Mediation , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX advised me XX/XX/XXXX that I owed XXXX to XXXX XXXX XXXX XXXX XXXX XXXX where i lived up until XX/XX/XXXX, at which time i returned to XXXX to live as my dad was in ill health and passed away XX/XX/XXXX. I disputed the XXXX debt in writing in XX/XX/XXXX stating to PDMI that I did not owe this debt, and to prove it. Professional Debt Mediation never tried to collect on this debt, and now it being XX/XX/XXXX the XXXX statute of Limitations has expired on collecting this debt.PDMI each month put this debt on my credit reports until I disputed this with the credit bureaus XX/XX/XXXX, and the debt was removed from my credit report. I disputed this debt with XXXX in XX/XX/XXXX, XXXX removed the debt from my credit report, then for almost a year, Professional Debt never posted this debt to my credit report. until now, XX/XX/XXXX once again, Professional Debt Mediation posts this XXXX to my XXXX credit report, as to re-open this debt, which I consider " trolling '' the debt, I never paid anything on this debt, as I do not owe this XXXX and again, XXXX Statue of Limitations on debt is ( 4 ) years. ( 42XXXX. C.S.5525 ( a ) This debt is non collectible and PDMI is not abiding by XXXX statue or the Fair Credit Reporting Act. PDMI needs to stop reporting this debt, move on in life, or face being sued for trolling this debt, and trying to collect after the XXXX statue of 4 years has run its course, I moved to XXXX XX/XX/XXXX, and now it is XX/XX/XXXX, way past the time frame for this debt to be acted or collected upon.I moved out of XXXX XXXX XXXX XX/XX/XXXX and lost my security/pet deposits and have been a resident of XXXX since XX/XX/XXXX.PDMI is a vulture credit collection agency, and they are to harassing me over a debt that is non collectible with the reporting and phone calls.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX, XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX RE : Request for Bankruptcy Removal from Credit Report To Whom It XXXX Concern : I am writing to formally request the removal of a bankruptcy entry from my credit report as it no longer accurately reflects my credit history. The information reported is either outdated or unverifiable, and under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and fair credit report. 

The bankruptcy in question is referenced with the following details : Case Number : XXXX Date Filed : XX/XX/XXXX Court Location : XXXX XXXX CT FL XXXX Please investigate this entry and provide verification of its accuracy. If you are unable to verify the information, I respectfully request its immediate removal from my credit file. If the bankruptcy has exceeded the allowed reporting period ( typically XXXX years from the date of discharge ), it must be removed per FCRA guidelines XXXX 

To assist with your investigation, I have enclosed the following : A copy of my credit report highlighting the bankruptcy entry. 

A copy of my government-issued identification and proof of address for verification. 

Please complete this investigation and update my credit report within the legally mandated 30 days. I request a written confirmation of the actions taken. If no action is taken within this period, I XXXX pursue further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or seeking legal remedies. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Debt or credit management

They told me they will help me with my credit I wasted XXXX and XXXX of dollars
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC. has been reporting fraudulent activity on my credit report, that they maintain under my social security number. I have submitted a copy of the police report and ftc statement and they have refused to remove the accounts from the credit report that they maintain under my social security number. Equifax has violated the FCRA, by not conducting a reasonable investigation into the accounts. I am submitting a copy of the dispute responses regarding the items that are currently reporting.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts and inquiries to be BLOCK AND DELETED ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX