23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This fraudulent account was at one time disputed and removed/deleted from my credit file Now it is listed again on my credit file under a different creditor/ account number, Same company XXXX. Initially it was opened under a XXXX XXXX for his credit under my name Fraudulently. Here is proof below : experian_logo Prepared for XXXX XXXX XXXX Personal & Confidential Date Generated XX/XX/XXXX Report Number XX/XX/XXXX divider About Dispute Results Our  reinvestigation of the dispute you recently submitted is now complete. If we were able to make changes to your credit report based on information you provided, we have done so. Otherwise we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary. 


If an item you disputed is not in the list of results below, it was either not appearing in your credit file or it already reflected the requested status at the time of our reinvestigation. 
Here are your results XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 

XXXX icon Deleted You can contact XXXX XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX, XXXX , NC XXXX or ( XXXX ) XXXX After your dispute : This item was removed from your Credit Report. 
Before your dispute : Account Name XXXX XXXX XXXX  Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1100.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$1100.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ XXXX Monthly Payment {$0.00} Original Balance {$1100.00} Highest Balance {$0.00} Terms 1 Months On Record Until XX/XX/XXXX Payment History
Product: Credit reporting, credit repair services, or other personal consumer reports

My house and car was broken into last year when i went on vacation, this person i believe has taken on my identity and opened credit cards and taken out loans as well. The police has a report if needed.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. My family member got an auto loan and other credit cards in my name without my permission. I fully prosecuted and sued her all the documents will be attached. 

Please help me this is hindering me and it is in fact identity theft. 

Please remove this fraudulent account
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a loan from XXXX XXXX XXXX and was NEVER delinquent ; however, a contractor that I hired stole items from my home and account information. I reported this information to the XXXX Police Department and filed an insurance claim. During the investigation, my loan payments were delinquent as a result of IDENTITY THEFT and PROPERTY THEFT. There were other bank accounts and credit cards open in my name. I am requesting XXXX XXXX XXXX to remove the negative payment history from all three credit bureaus since I am attaching a copy of the police report related to this incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter to Equifax regarding inaccurate and negative information on my credit report. 

It has currently been 55 days and I have yet to receive a response. 

I feel like I'm being taken advantage of, and my disputes are being ignored. It has been over 58 days, so they be deleted promptly. 

I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. 

Please see attachment.
Product: Prepaid card

I received an American Express eGift card and have tried to spend it on XXXX and XXXX XXXX. Despite the gift card saying it's accepted everywhere that accepts AMEX, this does not appear to be true. Both merchants said American Express declined the transaction, although they do accept AMEX credit cards. I have confirmed my gift card balance and the items I'm trying to purchased do not exceed the balance. After searching online, this appears to be a very common issue with AMEX eGift cards.
Product: Debt collection

I did not have a the opportunity to dispute the following account : MIDLAND FUNDING : XXXX. I was unware of debt. Please provide validation of debt and method of validation.
Product: Debt collection

I agreed to a XXXX procedure. I dispute the balance from the procedure because I did not get what I requested. The physician in question offered to repeat the procedure to give me the desired outcome. Why would I agree to pay XXXX for something that it is obvious the physician could not perform? It may be a good business model for the physician but in my opinion, it 's deceptive advertising. 

I offered to settle the disputed amount for less. Their response was to report a higher amount as a collection item to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account with Mobiloans on my credit report that I have no knowledge of. Amount is over 2,000 . It does not belong to me.
Product: Credit reporting or other personal consumer reports

XXXX clearly stated that they could not locate the following Bankruptcy records on my file. Bankruptcy XXXX XXXX. XXXX. It means that these records are not mine and a result of FRAUD/ERROR and it needs to be remove on my credit report immediately, as you know they are in violation of the Fair Credit Reporting Act.
Product: Credit card or prepaid card

On XXXX XXXX, I applied for a Barclaycard XXXX Credit Card with XXXX Rewards. Application # XXXX. This is a promotional, interest free program. 

Barclaycard sent me a letter which states " We have reviewed your application and determined that additional information is needed before we can process your request. - Please send a copy of your Driver 's License/State ID, Social Security Card, and a current original utility bill or bank statement with your name and address. Please respond within 30 days of the date of this letter by sending in the requested documentation below. If we do not receive a response within 30 days we will be unable to give your application further consideration. '' I am already a Barclaycard customer, and have a XXXX XXXX XXXX XXXX XXXX card with the company. They have verified my address, they know my social security number, and I have my card statement coming to the exact same address as is listed on my application. 

I called the company on XXXX after receiving the letter and was told that this requirement will not be waived, that despite my already being a customer I need to either mail or fax the documents in ( I can not email them, in XXXX there is no way to securely upload them either as part of the application page. )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE , ENGELHARDT V. GRAVENS ( MO ) 281 SW 715,719, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS
Product: Credit card

I, the consumer submitted a consumer credit application to American Express and was discriminated against buy reason of a denial letter.
Product: Credit reporting or other personal consumer reports

I am writing to seek your assistance in removing fraudulent items from my credit report. Despite multiple attempts to resolve this issue directly with the credit bureaus and creditors, the fraudulent items remain on my report, severely impacting my creditworthiness. This is my request for intervention, and I am in urgent need of your help to rectify this matter. Despite these efforts, the fraudulent items have not been removed from my credit report. I have enclosed copies of my previous correspondence and all supporting documentation for your review. 

I respectfully request that you could investigate this matter and assist me in the removal of these fraudulent items from my credit report. Your intervention is crucial in ensuring that my credit report accurately reflects my credit history and that I am not unjustly penalized for fraudulent activities beyond my control. The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Sir/Madam, I wish to dispute a late fee that was passed on to the Reporting Bureau. This is in reference to Mercedes Acct # XXXX. Vehicle - XXXX Mercedes Benz XXXX convertible. The late fees were for XXXX and XXXX of XXXX. We are also asking to vacate the 30 day+ overdue on this Acct. The Covid-19 virus has disrupted my life and I'm trying to get back on track. Please contact Mercedes Benz Finance at XXXX continue the dispute process. 
Respectifully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, XXXX have been re-added to my credit profile by your office ( XXXX ) without the required XXXX notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within XXXX business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX XXXX XXXX : - XXXX  Employer - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX  - XXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX Your agency XXXX in breach of the law! According to XXXX XXXX. XXXX section XXXX A, I am entitled to privacy. Furthermore, XXXX XXXX. XXXX Section XXXX A Section XXXX specifies that a consumer reporting agency XXXX not provide an account without my explicit written permission. Additionally, XXXX XXXX. XXXX. ( a ) ( XXXX ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than XXXX years ago, except for criminal convictions. Lastly, XXXX XXXX. XXXX ( A ) ( XXXX ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit card or prepaid card

Apple Credit Card ( via Goldman Sachs ) is refusing my request to send recurring paper statements for my Apple Credit Card Account. 

I believe their policy is in violation of the E-SIGN act, and may also be in violation Truth in Lending Act. 

I have screenshots confirming this policy.
Product: Mortgage

I switched Home Insurance companies from XXXX  ( XXXX  ) to XXXX  this year, Payments are made through my escrow account with PNC. I submitted the new Policy declaration page to the website https : //mycoverageinfo.com/pnc and after waiting a week they never updated the information. I called on the XXXX to inform them of the change of home insurance companies, while on the phone they found the document I uploaded, and they said they updated the information. The next day I logged back into https : //mycoverageinfo.com/pnc to verify if it was all updated correctly, I find out they sent a payment on the XXXX in the wrong amount of XXXX, supposed to be XXXX. The policy number was NOT updated, the deductible amount for the policy was NOT updated, they also listed the company as XXXX XXXX XXXX ( should be Manufacturers ). I called PNC back to notify them of the errors and they said they would correct the policy number and that everything else was fine. I called XXXX Insurance to notify them of the errors that PNC made. They have NOT received a payment. Theres a possibility that the payment was also sent to the old insurance company XXXX but XXXX thing I know is that my escrow account does not have enough for another {$1400.00} payment until the situation gets resolved and I can not afford my mortgage monthly payment to skyrocket from the escrow account being short if another payment is made from it. To this date https : //mycoverageinfo.com/pnc is still showing the wrong information about the policy and the payment is in a limbo.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I filed a chapter XXXX that was Discharged on XXXX. XXXX is posting all the late payments, these accts we're all discharged and should not show this it's affecting my approval to build my credit after filing Bankruptcy.
Product: Debt collection

Dear FTC and CFPB, I am writing to file a complaint against Capital One I believe that the collection agency has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ). The collection agency has not provided me with validation information under 12 CFR 1006.34 ( b ) ( 5 ), but they have placed a collection on my consumer report. I have been given a chance to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ). The collection agency is violating my consumer rights by using false, misleading, misrepresentation, and deceptive means. The collection agency has no authority to furnish any account to a consumer reporting agency without providing any/all disclosures required by law. They are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1661-52 ( 7 ) ( A ). I am requesting that the FTC and CFPB investigate this matter and take appropriate action against the collection agency. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX
Product: Credit card

Citi Bank, the issuer of my XXXX credit card, put me on an automatic draft that I did not know about. I made payments not knowing which then took double payments out of my account. I was promised that the money would be put back into my checking account today XXXX/XXXX/16 and the money is not there. I have been given the run around all day about who can and can not help me with this issue and was treated quiet rudely by XXXX separate employees, including XXXX XXXX XXXX in TN.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint against three credit reporting agencies for continuing to reporting a bankruptcy which that was verified through a third-party. not from my own filings or from a court. This is a violation of my rights as a consumer and a violation of the Fair Credit Reporting Act. This violates Section 603 ( q ) ( 3 ) ( A ) ( i ) ( I ) of the Fair Credit Reporting Act ( FCRA ) which states that a credit reporting agency shall not furnish any items of credit information unless the source of such information is a person who has been certified as an agent of such agency. 

Furthermore, similar court cases, such as Mitchel v. Experian Information Solutions , Inc. ( 2011 ) have also found such practice to be in violation of the FCRA. In this case, the court noted that the credit bureau must get its information directly from a certified source to provide accurate information. Therefore, I believe the credit bureau should not have reported bankruptcy which was verified through a third-party and violated my rights under the FCRA. 

I demand that the credit bureaus immediately remove the bankruptcy entry from my credit report. In addition, I demand that you provide me with an updated copy of my credit report. Furthermore, I demand that you provide me with a written apology detailing your mistake and the corrective action taken to address this issue. 


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

I'm sending this complaint to the Experian Credit Bureau to REMIND them that there is no involvement from a third party. They can not legally contact third parties with my private or sensitive information for any reason. Lack of permission defines fraud. The items listed below are false and are having an effect on my ability to establish credit. I want this removed right away! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account H P SEARS CO, INC Opened Date XX/XX/2018 which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that H P SEARS CO, INC was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

Experian removed the XXXX XXXX XXXX account OVER TWO YEARS ago due to the account being fraudulent. The identity theft report should be on file. I attached ANOTHER FTC Identity Theft Report showing the account is indeed fraudulent and to make sure this fraudulent account gets removed AGAIN and STAYS off of my report. This account was NOT authorized by me and is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account XXXX, has violated my rights. 

15 USC 1681 Section 602 Stated I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as later for any purpose.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Tried to get a loan modification with OCWEN. They assigned me to a " Relationship Manager '' outsourced to XXXX. Could n't speak/understand English. He ( apparently ) wrote that I denied the loan mod. Spoke to someone in USA, he gave me " Ombudsman '' number & that someone was always there. He said I was n't allowed to request one person handle my case and that they be in my country of origin, the USA, that " it 's their rules and they follow them. '' Called Ombudsman dept, got recording, left message. Called " Escalation office '', left 4 messages. I have until Friday XX/XX/2016 to decide if I accept their terms for loan mod ( which is more than double what I 'm paying monthly now ), without which would be triple what I 'm paying monthly now. I 'm XXXX on SSI and can barely afford what I 'm paying now. OCWEN is the company that took over my home equity line of credit from IndyMac when they went under, and they are calling it a XXXX mortgage, which it is not. They 've already threatened foreclosure, even though I 'm not behind on payments. I ca n't believe they outsource all their loan officers to XXXX, with poor telephone connections and no callbacks.
Product: Checking or savings account

I am filing a complaint with CFPB regarding capital ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which violates the electronic funds transfer act ( efta ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you!
Product: Debt collection

I am sending you this letter because after a careful review of my updated report, I have found that your company is reporting inaccurate and incomplete information. I have already communicated with you several times via mail but it seems that nothing has been done on your end. 

CREDIT COLL ( Original Creditor : XXXX XXXX ) XXXX CCS COLLECTIONS ( Original Creditor : XXXX XXXX ) XXXX
Product: Vehicle loan or lease

I had an automobile financed through Meridian Buyers Group, the vehicle was totaled XXXX XXXX, 2016. I  had full coverage insurance at the time with XXXX. It took XXXX months to complete the insurance claim. Payments were still made to Meridian Buyers Group, upon Insurance company contacted to advice payment on vehicle, Meridian did not stop charging me late fee, dings agains my credit, then sent paperwork to XXXX stating the vehicle had been repossessed, but in fact that was not true. XXXX issued payment for vehicle and the Meridian Buyers Group sued me and garnished my wages for {$2800.00}. Its still being reported on my credit as a charge off and I had never been late on the payments. Ive made several attempts to clear this issue up with the office, by phone, by email to the office, then reaching out by mail to the CFO as well as emails to the CEO, CFO with no response. I have also made 2 attempts to speak to the legal team as Meridian refers to them as, with no response. I would greatly appreciate your assistance in this matter. I feel as though I have taken all necessary steps to resolve I would like this investigation to start immediately, as well as my credit restored as it should me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was closed a while ago. When Covid 19 forced XXXX XXXX 's call center to close, I was unable to make my payments due to my account already being closed for over a year. With a closed account you have to speak to an agent to make a payment. It was out of my control that they're call center was closed due to the pandemic, and I should not have to suffer consequences for that. As soon as the call center opened up, months later. I made my payments. I should not have any late payments on my credit report. It was/is against the law due to National Shut Downs because of Covid 19.