23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I purchased a bedroom set from Loves furniture. When delivered, two of the pieces were damaged. We took delivery on them because we were told replacements would be sent out. A couple weeks later, they filed for bankruptcy and when I went into the store they told me they were not sending anything out anymore due to the bankruptcy and I needed to open a dispute on my charge card. I opened the dispute with TD bank which is issuer of Loves furniture credit card. 3 months later I received a letter stating the case had been resolved and to contact an 800 number for service. When we contacted the number they laughed at us stating they were not offering replacements and to file a dispute. I contacted TD bank again to relay this information but was told they could not re-open the dispute but rather send a message/new note regarding the existing claim. This was around XX/XX/XXXX. I have contacted TD bank several times since then but never get anywhere. There are no updates on the account, and each time I call, I have to explain the entire situation to the representative and they tell me they will send an email. I just recently started keeping notes of the dates of contact. On XX/XX/XXXX, I was told an email was being sent to the dispute center and to call back for an update. I called on XX/XX/XXXX and was told their was nothing on the account. I insisted on speaking with a supervisor ( named XXXX ) who was supposed to contact the dispute center and call me back by XX/XX/20. She never called.
Product: Mortgage

I am facing a foreclosure and, despite many attempts, have been unable to speak with anyone at the mortgage servicer who can be helpful in what is a complicated situation - I am a first mortgagor but do n't hold title to the condo, having been foreclosed on by the second mortgagee, who took title.
Product: Credit card or prepaid card

After being a direct deposit client for over 10 years, my card was blocked and I was ask to produce documents to prove that it was me. ( usually I am asked and give 4 digit code, mothers maiden name, birth date and the last transactions made to the cards ) None of this was asked instead I was ask to present documents. So on several occasions I submitted my drivers license with me holding them, my passport with me holding it, my current Tax form letter from social security showing my current address, ss number and the amount of payments. I was denied on at least 4 occasions when I did not submit my ss card which they knew I did not have because I had traveled to XXXX and have been there using the card throughout the pandemic with no real problem like this one. After I was not able to produce a ss card ( which even the ss administration says is almost outdated ), right after receiving funds from COVID RELIEF The company ( NETSPEND ACE ) closed my account leaving me stranded in XXXX without any means of funding myself. ( I do not earn funds nor can I work in XXXX until I am approved by immigration ) My Debit Card and the ATM is my only source as I am a XXXX year old ss recipient.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and repair these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX, I received a call from an L.J. Ross & Associates. At the time of the call, an agent informed me of a debt that was reported to have been mine. 

During this call verification of debt was requested of L.J. Ross & Associates, and I provided my new address as of XX/XX/XXXX, along with my email address to have the verification documents provided to me, as I wanted something documented to ; ( 1 ) .Clearly explain the debt/amount. ( 2 ). Verify that L.J. Ross was a legitimate collections agency before agreeing to repayment/settlement and providing my payment information. 

After months I received another call from L.J Ross & Associates on XX/XX/XXXX, pertaining to this same issue, and I informed the phone assoicate of my prior request of verification document. The associate was again provided with my physical.mailing address and email address and she infomred me that the information had not been entered in there system previously? 

On XX/XX/XXXX, I received an emailed alert from my Credit Union informing me that that there had been a change to my report that could have a negative impact on my credit score, so I logged in to the credit monitoring app to find that L.J.Ross and Associates placed a collections on my report. 

On XX/XX/XXXX, I contacted L.J.Ross and Associates with the contact information listed on the collection entry of my credit report and ultimately requested to speak with a supervisor because the associate that I was connected to was very rude and unprofessional. Upon being connected to a supervisor the communication worstened and the supervisor ignored my concern that the agency did not follow the law and provide me with some documentation that confirmed this debt and confirmed that the attempt to collect my payment information were all legit, he just bantered with me and there no no resolve met with this agency in explaing how/why they placed a collections on my report. 

On XX/XX/XXXX, I received a verification of debt and a letter verifying collections from L. J Ross & Associate, after they failed to negatively impacted my credit and failed to uphold consumer reporting laws.
Product: Credit card

Today I received a letter from Citi about the disputed charges they have removed from my account. But they have since nearly DOUBLED the amount of original charges. So instead of disputed XXXX charges ( XXXX of which have been refunded ) there are now XXXX charges. 

As artifacts, I am attaching : - the original statements of the disputed transactions. 
- the analysis of the new transactions ( XXXX total ) placed on my account compared with the original transactions ( XXXX total ). 
- the letter from Citi saying that the issue is closed and RESOLVED. 

This issue is NOT resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of late, I have been in process of correcting incorrect/inaccurate information on my credit file. After careful review of the credit reports from the bureaus I can confirm that there is still incorrect information on my report. 


On XX/XX/2022, I sent 3 certified letters to Experian, XXXX, and XXXX. In those letters, I simply asked if it was possible to remove incorrect personal information from my credit report. There are too many inaccurate addresses, names, and employment information on my file that isn't supposed to be there. 


I've also taking into account that incorrect, and false information on my credit report is a violation of my personal and privacy rights.
Product: Credit reporting or other personal consumer reports

There is a account on my credit report from AmeriFinancial Solutions that is fraudulent and does not belong to me. The account is described below. I have attached a police report as proof this account is not mine. 
1. AmeriFinancial Solutions- Original Creditor : XXXX XXXX XXXX. - Acct # ending in : XXXX -Balance : {$570.00} -Reported on :XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit reports there is a closed account with huge amount of missed payments. DISCOVER BANK Its not mine account. 
Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA DISCOVER BANK has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that XX/XX/XXXXand Equifax credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXXXXXX on XX/XX/XXXX under account number ( XXXX ), XXXX XXXXXX/XX/XXXX XXXX XXXX on XX/XX/XXXX under the account numbers ( XXXX, XXXX ), a personal loan account opened at XX/XX/XXXX on XX/XX/XXXX under the account number ( XXXX ), and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$2700.00} that appears related to the aforementioned personal loan account opened atXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts or collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went into XXXX XXXX XXXX to get information on a car. I was asked where my credit was on a scale of 1-10. I said 10. The salesman then asked me to put my name, social security number, date of birth and signature on a paper.. I specifically said " Your'e not running my credit, right? '' and he said " No, we go based on what you tell us your credit is at this stage. '' I had n't even been in the office more than 5 minutes! had n't looked at a car, test driven the car, anything. So, eventually I test drove a car, did n't like it. Left. Came home and checked my credit and my credit score dropped XXXX points because of a hard inquiry by XXXX XXXX XXXX. After they explicitly told me they were NOT running my credit they still did! I did n't even try to finance anything!! I have n't had a hard inquiry in YEARS. I never apply for credit!
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 i disputed items on my persons credit report and asked that they properly be verified according to the Laws of FCRA. In less than 24 hours i was sent an email stating that my dispute was over and my results were ready. The entity Equifax has violated section ( 604 ) 15 U.S.C. 1681b, section 605 A 15 U.S.C 1681 C-1 and 605B 15 U.S.C. 1681 C-2 by not properly verifying the items in dispute. The items in dispute have adversely effected me and has damaged my reputation. All items have been discharged and should no longer be on my persons credit report showing adversely in any way. I the consumer and trustee over the accounts did not give explicit or written consent to publish such personal and private information on my credit report. The entity Equifax did not provide me with information on how they were able to verify any information so that i may exam it. Equifax gets unverified information from uncredited resources such as XXXX XXXX XXXX  who also must be certifiable in Metro 2 Compliance standards who also reports inaccurate and noncompliance information on consumers. I also spoke with the clerk of circuit court and asked them what was their method of verification for reporting to Credit Bureaus and they informed me that they do not verify any personal and private information to any credit reporting platforms. Equifax isn't properly verifying information which is harming consumers. I would like Equifax to send copies of their method of verification to the CFPB so that i can be assured that Equifax is in full compliance. I would also like Equifax to send verification of bankruptcy to CFPB to insure compliance. If Equifax can not verify any information on my credit report that is adversely affecting i, the consumer, them Equifax is required by law to delete All negative information immediately.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXXXXXX XXXX Balance : {$20000.00} XXXX XXXX Balance : {$490000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A BANKRUPTCY THAT IS INACCURATE. THE CREDIT BUREAUS SENT ME PAPERWORK THAT THEY VERIFIED THE BANKRUPTCY THROUGH A THIRD PARTY. 
XXXX EQUIFAX XXXX  I HAVE PAPERWORK SHOWING I HAVE A SECURITY FREEZE ON ALL OUTSIDE PARTIES THAT REPORT TO THE CREDIT BUREAUS. THEY ALSO SAY THE BANKRUPTCY WAS VERIFIED BY THE COURTS. I HAVE PROOF FROM THE COURTS THAT THEY DONT REPORT TO THE CREDIT BUREAUS. ONE THIRD PARTY IN PARTICULAR WAS XXXX AND MY FILE IS SUPPRESSED AND HOLD A SECURITY FREEZE. 



XX/XX/2020 EQUIFAX ( OBTAINED FROM LOCAL, STATE, AND FEDERAL COURTS AS VERIFIED THROUGH A THIRD PARTY VENDOR, XXXX ) XX/XX/2020 XXXX  ( VERIFIED AS ACCURATE THROUGH THE COURTS ) XX/XX/2020 XXXX ( VERIFIED ACCURATE THROUGH COURTS FROM A THIRD PARTY ) XX/XX/2020 LETTER FROM COURTS ( DO NOT REPORT TO ANY AGENCY )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have  a Visa cr edit card with  XXXX   XXXX  that I opened about a year ago. It is a secured card and my initial credit limit was {$300.00} which I sent to  XXXX    XXXX   in the mail. I wired {$700.00} in additional funds in  XXXX   2017  to increase the credit limit on the secured card to {$1000.00}.   XXXX   and Equifax have not reflected the correct credit limit ever since it was increased in  XXXX   2017 . I have opened multiple disputes to no avail. I was told by Equifax and   XXXX   that I needed to contact  XXXX   XXXX . I have called  XXXX    XXXX   three times in the past 3 months and they keep telling me that they are reporting it correctly and it is the credit bureaus error. Neither the credit bureaus nor  XXXX   XXXX  want to take any ownership to correct the issue. I am working diligently to improve my credit which is the main reason for increasing my credit limit on this secured card.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account information below : AMEX XXXX
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX has violated my rights. 
I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX dated XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the following account which I believe was reported in error. 

XXXXXXXX XXXX XXXXXXXX Balance : {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX, XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXXXXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the beginning of XXXX I called Santander Bank for help with COvid 19 and the approved my loan to be in forbearance. Later that month, they contacted me to extend the forbearance agreement to which I declined and told them that I was paying the debt off because I wanted to refinance my house and my mom was helping me pay the debt off. In that case, I was under the assumption that I needed to be on time for my next payment in XXXX. I paid my XXXX payment and it was credited to XXXX ( the forbearance approved month ) causing me a late payment for XXXX. I called XX/XX/XXXX and disputed the payment to which they removed from XXXX  and XXXX  but not XXXX. XX/XX/XXXX I called to find out why the late payment got not removed from XXXX  and XX/XX/XXXX they reported late payment for all 3 Credit Bureaus again. Reference given By the bank were XXXX and Reference XXXX. Now I can't refinance my house and that late payment will cost me thousands of dollars over the years. My efforts to pay the line off and get out of forbearance were useless and during this Crisis moments Santander did to me the worse thing anyone could have done. I am struggling because of Covid 19 and  it was the reason I requested help to start with. I was never late for any of my accounts and they ruined my credibility with other lenders.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account that was put on me by XXXX XXXX back in XX/XX/XXXX that I had no knowledge of receiving because I changed my address and moved out of state in XX/XX/XXXX. Even though I have filed numerous disputes to all three credit bureaus stating my claim and included information, I also payed the debt in full to the collection agency, it still is showing as a negative account as a paid charge off on my credit and has caused me to not achieve my credit score and goals that I want. Also the Experian Credit Bureau is showing that the account is only 2 years old and that is not accurate, the account is nearly 7 years old. I would like this collection account removed completely from all three bureaus. Here is the account as shown on my experian credit report. 

XXXX XXXX Account Number XXXX Account Type Unknown Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid, was a charge-off Status Updated XX/XX/XXXX Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Ownership Individual Original Creditor -  Company Sold-to - Original Amount {$170.00} Comments
Product: Mortgage

Roundpoint Mortgage servicing changed my monthly mortgage payment amount based on an escrow analysis they said they performed but never sent. Although they have my email address and notified me of a late payment via this email address they did not send notice of the change in monthly mortgage payment. The payment I made was {$54.00} short of the new amount so they " held '' the monthly payment without notice and did not apply to my account. This seems to be done in an underhanded and secretive manner to incur late fees
Product: Credit card

I called in inquiring information on some credit cards, the Rep I was speaking with said it would be a soft pull... so proceeded on with the info but got disconnected. I received a notification that my credit was was pulled, this happened twice at a later date as well.