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

In XXXX, someone in XXXX stole my identity. At the time I resided in GA since XXXX and was working on assignment in Colorado. XXXX Bank contacted me and immediately I went in and we closed the account and opened a new one. In addition, there were other payday companies and creditors this person tried to hit. A letter was sent and all was resolved. 2 years later it was sold to a collection company, when they contacted me I explained what happened provided information and never heard from them again. This company XXXX seems to keep refreshing the date so that it will never fall off. It has been 9 years and if anything this should still not be reporting on my credit report, better yet it was identity theft and they keep updating to keep it on there. I have tried everything. Please help. 

Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX account number XXXX. This account has been disputes approximately around 45 days, Credit bureau still failed to remove this inaccurate account from my credit bureau. The credit bureau still has this account listed as reviewing within the investigation process. I have asked several times if this credit account can not be validated, please removed off my credit file. They have also ignored my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed a unauthorized account on all three reports. I disputed the XXXX XXXX account and it was removed from XXXX. under the FCRA, any item found inaccurate or unverifiable information must be shared between all three bureaus. Transunion and Experian have refused to follow the guidelines they have in place or provide proof used to verify data repoerting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and its history has been removed from 3 credit bureaus although it is and has been an active account for years with an excellent history and its removal has reduced my overall credit score.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. 
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 XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XX/XX/2019 30 days late as of XX/XX/2019 60 days late as of XX/XX/2019 60 days late as of XX/XX/2019 30 days late as of XX/XX/2019 30 days late as of XX/XX/2019 30 days late as of XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a letdown! My pleas to have the challenged fake accounts and information removed from my credit file have been ignored by the credit reporting agencies. According to Fair Credit Reporting Act section 605b, the credit reporting agencies must verify and remove the disputed accounts and information that were opened as a result of identity theft. I personally contacted the Data Furnishers to ask about the disputed accounts and information, and they responded by demonstrating that they were inaccurate in some way. Yet you are claiming that the disputed items are legitimate and verified! This behavior clearly violates Section 605b of the Fair Credit Reporting Act and is illegal. Before I have to resort to legal action, I am submitting this CFPB Complaint to request that you abide by the law and remove the disputed accounts and information from my credit file. I once again request that the following entries be deleted as quickly as possible from my credit file : XXXXXXXX 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 XXXXXXXX Balance : {$0.00}. 

The Credit Bureaus asserted that the disputed accounts and information are mine and have been validated, but they have not sent me copies of any documents with my signature on them or any proof of verification. The challenged accounts and information were inaccurate, which was confirmed by the Data Furnishers themselves. I require the immediate deletion of any contested accounts and data from my credit file.
Product: Payday loan

I have received phone calls at my home and place of business advising me that I was scheduled to be served with a warrant for my arrest with regards to a phantom debt for a payday loan that I did not initiate. In checking my XXXX ( XXXX ) credit reports, the collection agency has notified the credit bureau 's to the phantom payday loan and my credit score has fallen XXXX points. I have notified all three ( XXXX ) credit bureau 's with a dispute request. I took the liberty to research this agency and discovered that other consumers are being charged for the same phantom payday loan. Presently, I am in the process of retaining an attorney to file civil and criminal charges against this business once,
Product: Mortgage

In XXXX I was told by XXXX about the forbearance program with them and they encouraged me to take advantage of that program. I asked if I was going to face a huge payment and be forced to become current on payments at the end and was told NO, that since I had an XXXX XXXX, I would not have to make a lump payment, and that I would simply RESUME making regular payments to my mortgage, and that the money owed would be added to take back of my mortgage. 

I verified this with them every month. 

So in approximately XXXX, XXXX sold my mortgage to Carrington. Carrington contacted me and asked me if I was ready to start making payments and I said yes, so then they told me that I needed to pay them {$10000.00} ( approx ) plus resume making monthly payments. We agreed on a payment program of {$4100.00} a month for three months which would bring me current. I made the first payment on XX/XX/XXXX. Instead of taking one payment, Carrington took two. I asked for them to return the money to my bank. They refused to stop debit on their end and my bank refused to let me stop payment on a single payment, instead telling me that I would have to block everything incoming from Carrington. I did not have the money so I had to sell personal items to make sure the money was in the bank to cover the two payments. I had spoken to Carrington several times and was repeatedly told I would be contacted by a supervisor. This never happened. 

I was never told they had decided to send me a check via XXXX. I WAS told today that a check had been sent via XXXX  and that it was my responsibility to track that package down, not them. My bank account still shows two payments have been withdrawn by Carrington, each in the amount of {$4100.00}. Yesterday I checked my post office box in town and there was a notice from Carrington saying that I owed over {$9000.00}. I called today ( Monday, XX/XX/XXXX ), and I'm being told that I have been removed from the forbearance program, and that I owe {$9300.00} ( {$4100.00} x XXXX ) If positions were reversed, Carrington would be telling me that the issue of the payment return or receipt by XXXX would be MY issue, not theirs. I am simply asking them to check their records and see that the payment they sent me has NOT been cashed, credit that to my XXXX payment, return me to the forbearance program, and for this not to effect my credit.
Product: Credit reporting or other personal consumer reports

ORIGINAL SUBMITION XXXX EXPERIAN XX/XX/year> Original Date : XX/XX/year> ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROV- EN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO RE- PORT VENSUS ME WITHOUT ADEQUATE COMILIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THOUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFI- CATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLE- GATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RE- TURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CON- FIRMATION NECESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PER- SONAL IDENTIFIERS, THE ALPHA-/NUMERIC-/AND OR ALPHA- NUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.

THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Per 15 usc 6802, 16 cfr 313, 317 F. XXXX bank has a obligation to provide each consumer with proper notice on opting out of sharing non public personal Information to non affiliate 3rd parties. Which Congress has defined under title 15 of the US code. XXXX XXXX and TransUnion are Sharing my non public personal information without my consent. Per the fair credit reporting act as a federally protected consumer I am now opting out of any and all authorization i the consumer may have given you written unwritten verbal and non verbal per 15 usc 6802. Additionally, TransUnion has provided inaccurate information to my credit file on which XXXX XXXX has taken a adverse action against my account by closing it without reasonable compensation for the usage of my securities which I understand according to XXXX XXXX XXXX  filing with sec, XXXX XXXX is in fact XXXX out my account balance each much for the pooling of my securities. XXXX XXXX has fault their fiduciary obligation outline in there SEC XXXX filing. TransUnion has violated my rights by sharing my information without out my written or express consent which resulted in my account being closed. I believed the information TransUnion furnished to XXXX XXXX  without my consent which is required by federal law is inaccurate which is a violation of the fair credit reporting act. XXXX XXXX and TransUnion operating together in violation which financial gain unbeknownst to me constitutes fraud and XXXX. Per congress the Consumer Financial Protection Bureau has the responsibility to enforce the law. I will be seeking civil damages as favored under 15 usc 1692k. {$1000.00} per violation, which is for each time my credit information was shared and reported inaccurately. According to my records and the records of TransUnion my credit score is well above XXXX which also Congress never enacted a law requiring a credit score for the usage of credit which is my Credit to begin with from your company using my securities! The equal credit opportunity act states that any denial which is part of a consumer transaction is discrimination. Which in fact I have evidence which was sent by XXXX XXXX who Also stated where my information was shared from, lacking my consent violation of my privacy rights that are federally protected. I demand that my credit file be updated for XXXX XXXX to be updated to paid as agreed immediately. All rights reserved
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX
Product: Mortgage

My mortgage was sold last year to XXXX XXXX and is processed via Loancare. As of XX/XX/XXXX we qualified to have our mortgage insurance, which is about {$200.00} a month, dropped off our mortgage payment. Loancare told me how to request that this insurance be dropped. I followed their instructions and had no response. I tried again and had no response. I have spent hours on the phone trying to work this out. Sometime their people do n't know what I am talking about other time they can see that I have sent in the request and that no one has done anything about it. I have since looked up this problem and it seems like lots of people are having issues with their mortgage via Loancare in the last month or so. I feel like they might be scamming people out of lots of money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX and TransUnion credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX BXXXX 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: Credit card or prepaid card

American Express promotes to new credit card holder to sign up for its Platinum personal credit card with an annual fee, and the new cardholder will receive XXXX welcome bonus points XXXX to XXXX weeks after meeting the spending requirement of {$5000.00} and satisfying its terms within 90 days of opening the account. I had met the requirement and company has not given me the bonus points after XXXX weeks and telling me to wait for another XXXX to XXXX weeks, despite me contacting them 4 times and their reps told me repeatedly the bonus will post in XXXX to XXXX weeks. 

American Express finally opened a case on XX/XX/2019 and I was told it would take XXXX weeks to work on the case, but it usually would be much quicker. After checking with them each week for the last XXXX weeks, I was told they are still working on the case. It has been around XXXX weeks and I don't know if they will honor their agreement or not.
Product: Credit reporting or other personal consumer reports

ACCT # : XXXX SSN : XXXX XXXX : XXXX/XXXX/2994 ID : XXXX Address : XXXX XXXX XXXX XXXX, LA XXXX Dear XXXX XXXX XXXX : I recently received a debt collection notice from your office with an account number # XXXX. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

On XX/XX/2021, I made a purchase on BestBuy.com it was for a XXXX XXXX  and it came with a free bundle that included free XXXX XXXX  for 6 months, XXXX XXXX free for 6 months, and XXXX XXXX XXXX with XXXX ( 3 Devices ) ( 3-Month Subscription ) [ Digital ]. It then offered me to apply for a credit card to which I did apply and I was approved. On XX/XX/2021, I decided that I did not want the item that I purchased which included the bundle so I returned them to a Best Buy Store located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. On Monday, XX/XX/2021, after taking the items in for a refund I received a notification from USPS that my credit card was on the way through XXXX XXXX. On Wednesday, XX/XX/2021, I called Citi letting them know that I did not receive the credit card that was sent to me and requested a replacement. I was told that I needed to verify my identity and to wait for another piece of mail and then call them. I did receive that letter and called and a replacement was issued. Today, XX/XX/2021, I called Best Buy/Citi because I received an email stating that I have a {$14.00} balance so I wanted to dispute this balance and I was told to call back Monday-Friday because she didn't know why I was being charged and was also told to call XXXX XXXX. I have no idea why I have to call XXXX XXXX if I never had any contact with them or made any purchases through them. As of today, I still haven't received the store credit card and or any statements. I did request to have a copy of the statement mailed to me. This is not the first time that I apply for a credit card but it is the first time that a bank gives me a headache. I did request to have the account closed and was told on XX/XX/2021, that I first had to prove my identity first. A receipt is on my Best Buy account page and it clearly shows that the person that took the item for a refund did not include the XXXX package. I never authorized this purchase and it was part of a free bundle package that came with the XXXX. I believe that Best Buy/Citi is not wanting to work this out with me. Today, I had to call 3 times because the first 2 representatives hung up on me. I can not access Citi online account because I need the credit card number.
Product: Credit reporting or other personal consumer reports

These are charge offs with inaccurate information on my credit and need to be removed. 
XXXX XXXX  Last reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX ChargeOff XXXX  Last reported XX/XX/XXXXXXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had a customer inquire about my services for an event on XX/XX/year>. The customer paid a deposit of {$3500.00} and received a service for that down payment. The customer later reported fraud because of specific questions I asked about the event and my bank, and third party ( XXXX ) refunded the services out of my account. I provided all documents of communications and agreements to prove this customer was knowing and willing to purchase my services. PNC Bank and XXXX denied my appeal after all the proven documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained XXXX separate student loans from XXXX to XXXX to attend XXXX XXXX XXXX XXXX  XXXX. XXXX was the original servicer of these loans. I was unable to obtain gainful employment in my field of study, so I had these loans in forbearance or deferment status until XX/XX/XXXX. That is when all of the loans became delinquent for a period of ten months and were transferred to the XXXX XXXX XXXX. In XX/XX/XXXX, I applied for XXXX XX/XX/XXXX XXXX XXXX XXXX through XXXX and satisfied all of the requirements for the three year monitoring period. In XX/XX/XXXX, I  received a discharge letter from XXXX. All XXXX of my loans are being reported XXXX on my credit report by XXXX. XXXX corrected the status of XXXX of these accounts to " current, paid as agreed '' after I disputed a false late pay on my Equifax report during XX/XX/XXXX. I prevailed in getting the false late pays removed. I filed an additional dispute with all bureaus to correct the status of the remaining XXXX loans from currently 120 days late to " current ''. That dispute was unsuccessful. I contacted the Federal Student Loan Ombudsman Group for assistance. The first investigation was unsuccessful. I filed a subsequent case with the Ombudsman Group, via email and this case was concluded in a very timely manner. I was assured by the Ombudsman that XXXX would correct the reporting of these accounts, however this has yielded more issues. XXXX responded with correspondence to me stating that after a careful review of my account, they submitted a request to all national credit bureaus to update the trade lines for my loans to show a XXXX balance. I called XXXX to clarify the information in the letter, and the representative stated that the delinquencies would be corrected. XXXX reported all XXXX of my loans on my credit file with all XXXX bureaus a XXXX time, these loans are reported in good standing. However, the loans are listed twice by XXXX now, with the status not being corrected on the first set of loans reported. Also, all XXXX of the loans are listed on my report by the XXXX XXXX XXXX in a paid, written off collection status. These loans reported by the XXXX XXXX XXXX were in good standing up until the point where " inappropriate '' corrections were made. In short, I have XXXX separate loans that are being reported XXXX times with all three bureaus. Each loan is being reported as a derogatory account XXXX, XXXX by XXXX and XXXX  by the XXXX XXXX XXXX. This amounts to XXXX derogatory accounts on EACH of the XXXX bureaus. I have consulted with an attorney in this matter, I was advised that since the loans are XXXX they should be completely stricken from my credit file. I have attached the letter of discharge from XXXX.