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

I am XXXX percent total XXXX service connected Veteran. I had a Federal student loan first with XXXX XXXX then it went to XXXX XXXX XXXX XXXX then to XXXX but is showing on my credit repots all  Three that it is negative over 90 days I did not have to pay the student loan according to Federal Law but they kept billing me for the loan and then reported it to the Credit reporting agenies. This is hurting my credit score I have tried to resolve this with the credit reporting agencies and the student loan companies but they say the reporting is true and accurate. This is Unfair credit reporting and should I am going to submit it to the XXXX. If the student loans were to be forgiven as Federal requires then it should not show on the credit report as late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly filed disputes ( XX/XX/2021 ) with Experian credit report services regarding an item called " XXXX XXXX XXXX XXXX '' which represents a credit card extended to me which I failed to pay on time and was closed ; this was my fault. As Experian states, the debt was purchased by another lender ; I paid that lender for the amount in full. What I have disputed are the following two pieces of information on this item. First, it is listed as " Charged Off '' twice and this is simply not possible! The second is that It continues to be listed as " Closed '' but not " Paid, Closed. '' as it should. As they requested, I have contacted XXXX XXXX XXXX and they have told me they are not involved with this item as they sold it to another lender called XXXX XXXX XXXX which is listed with this item on Experian. I have uploaded a letter from XXXX XXXX XXXX, to whom I paid the balance, which says to Experian as follows : " Your current balance on this account is $ XXXX. Please retain this letter as proof your account has been satisfied. Your account will be considered paid-in-full after the final payment is successfully posted. If our company is reporting this account to the credit reporting agencies, within approximately 30 days of the final payment successfully posting, our company will request the credit reporting agencies delete our companys tradeline related to your account from your credit bureau report. '' and, as a result, the entire item should be removed from Experian as it says " delete our company 's tradeline '' which they refuse to do.
Product: Debt collection

It was a catalog credit card thing that i never received. Never ordered from the company or anything.
Product: Vehicle loan or lease

I pulled up a recent copy of my credit file with XXXX, XXXX and XXXX. I was very surprised at what I encountered. There was an inquiry that I do not recognize. I have never even heard of the company or what they do. I never authorized or gave permission for them to view my credit file. I called the number associated with it and it went to a voicemail, even scarier.
Product: Credit reporting or other personal consumer reports

I pulled my transunion credit report and tried to fill dispute for proper verification and validation in my report. I have called multiple times get hung up with no call back. 

XXXX has allowed collection and inquiries to be place on my credit report violating the fair credit act. 

I am questioning accounts and inquiries I have no knowledge about, accounts that does not belong to me! 
im also requesting removal of all hard inquiries not authorized by me! 

I will like proper investigation with a step by step report and outcome with a immediate removal with update showing my true credit report information. 

I am filing a complait to XXXX and each of these Collection Companies in question 1 ) XXXX-XXXX  Account XXXX Showing a balance of {$670.00} 2 ) XXXX  Account XXXX Showing a balance of {$1600.00} 3 ) XXXX XXXX  Account XXXX Showing a balance of {$620.00} 4 ) XXXX XXXX Account XXXX Showing a balance of {$1400.00} 5 ) XXXX  Account XXXX Showing a balance of {$540.00} Inquiries Not Authorized by me need to be removed are as follow 1 ) XXXX 2 XXXX XXXX  3 XXXX XXXX XXXX 4 ) XXXX  XXXX  5 ) XXXX
Product: Credit reporting or other personal consumer reports

I noticed several unauthorized inquiries on my credit report that I would like removed. According to the FCRA, these unverified items must be removed. I have reported identity theft to the Federal Trade Commission at IdentityTheft.gov. I've reach out to each company for removal but nothing has been removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXNEW AMERICAN FUNDING - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXNEW AMERICAN FUNDING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I filed a dispute with Equifax on XX/XX/2017 and they never completed it.
Product: Debt collection

Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX phone : ( XXXX ) XXXX Date opened : XX/XX/2016 Balance {$410.00} I did not receive anything in writing which explained who the debt is with/cause of debt and rights to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/ 2021, I received confirmation letters stating their investigations were accurate TransUnion, XXXX and XXXX requesting removal of XXXX. XXXX and XXXX. XXXX Bankruptcies. I sent with dispute letter information from XXXX XXXX XXXX Georgia United States Bankruptcy Court stating, They do not report any Bankruptcies to Credit Agencies. If thats the case. How did the Credit bureaus edify my bankruptcy as 100 % accurate. 
They never did a fair investigation according to the 15 U.S.C. 1681.

15 U.S.C. 1681 section 603 ( 3 ) ( E ) States : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

15 U.S.C. 1681 section 604 A section 2 : It states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 section 602 A : States I have the right to privacy.

Also, according to 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. 

They also violated my rights numerous times. 
I havent given credit agencies written permission to furnish this information on my credit reports. These are grounds for removal or deletion of Bankruptcies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX , i received a credit alert saying I have a 30 day lateness with  XXXX . I immediately called them to let them know there must be some type of error because i set up auto pay with them. I was told today that there was a glitch in their system and that my auto pay was never processed. Now, I do n't have any other lateness 's on my credit report. I take pride in having Excellent credit and this error is causing me not to get approved for my mortgage loan. Can you please correct this lateness as it was a glitch on their part and not mines. I 'm looking forward to move my family in to our 1st Brand new home. Thank you in advance!
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed XX/XX/2016 Reporting of Bankruptcy court # XXXX, case # XXXX ( Equifax ) Dismissed/Closed Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
The reporting of this hasnt been verified that it was furnished by the bankruptcy court system. It was actually furnished by XXXX XXXX. If within this investigation it is determined that it wasnt furnished via the properly lawfully process, which is the bankruptcy court itself, I would like to request that this reporting is removed from my credit file immediately. If not I will be forced to file for litigation in court to have this resolved.
Product: Credit card or prepaid card

I ordered a XXXX  coat online on XX/XX/XXXX paid for it with Klarna at checkout totaling XXXX XXXX reference # XXXX store order reference # XXXX. I made two payments the first one was XXXX on XX/XX/XXXX and the second and final payment was XXXX on XX/XX/XXXX. On XX/XX/XXXX I received a email claiming my order from XXXX  was delivered. I got home Sunday morning which was XX/XX/XXXX and looked for my package nothing was on my porch or the mailbox or on the side of my house by the garage. I called XXXX on XX/XX/XXXX and reported that I dont have my package the lady on the phone put in a ticket to investigate my claim and said once it leave their warehouse they are not responsible. I also reported this to klarna XX/XX/XXXX. Klarna contacted XXXX about my claim that I didnt receive my package. Meanwhile I contacted the post office that supposedly delivered my package. The lady at the post office show me a map of where my package was delivered. I told her that was not my house. They delivered my package to someone else house. The post office told me they were going to go and get the package back from the house they delivered my package to. I went home and went back to the post office the next day. They claim no one answered the door. Then the lady tells me they are not responsible for misdelivered packages. So I guess Im supposed to just take a loss for something I paid for. XXXX finished their investigation claiming my package was delivered and told Klarna my package was delivered. After going back and forth with Klarna and XXXX on XX/XX/XXXX I had no choice but to dispute with my bank cause I never received my package and no one wants to take responsibility for my package being misdelivered. My bank did an investigation and refunded me my money. Now Klarna is trying to rebill me for something I never received and have added late charges. I have paid everything I owe klarna. I have told them I never received my order just because the post office marked my package as delivered doesnt mean it went to the correct house. I will not pay for something I never received.
Product: Credit card or prepaid card

IN XX/XX/2022, I PURCHASED ON LINE A GRILL. ( XX/XX/2022 ). I RECIEVED THE WRONG GRILL, IT WAS NATURAL GAS. AMOUNT FOR THIS GRILL WAS {$380.00}. IT WAS RETURENED VIA XXXX  ON OR ABOUT XX/XX/2022 ALONG WITH OTHER ITEMS THAT WHERE PURCHASED WITH SAID GRILL. ( GRILL COVER $ XXXXGRILL DRIP PANS {$10.00} ) THE CHARGE FOR THIS GRILL {$390.00} HAS BEEN CREDITED BACK TO MY ACCOUNT ON XX/XX/2022. I MADE A PURCHASE OF A PROPANE GRILL ON XX/XX/2022. I WAS " CHARGED '' TWICE FOR THIS GRILL. I RECIEVED ONE ( 1 ) PROPANE GRILL {$390.00}. IT WAS RECIEVED WITH THE BOX DAMAGED AND RIPPED. I NEVER OPENED IT AND ASKED FOR XXXX  TO COME PICK IT UP WITH THEY DID. I RECIEVED A CREDIT FOR THE GRILL IN THE AMOUNT OF {$390.00} ON XX/XX/2022. IT HAVE NOT BEEN CREDITED FOR THE DUPLICATED PROPANE GRILL. WHEN I SPOKE TO HOME DEPOT I WAS TOLD IT WAS A DULICATED ORDER AND ONE ( 1 ) PROPANE GRILL WAS SHIPPED AND THE OTHER WAS CANCELLED. HOWEVER, I AM STILL TO THIS DAY BEING BILLED FOR A GRILL THAT WAS CANCELLED AND NEVER RECIEVED. I HAVE SEND NUMEROUS LETTERS BOTH VIA CERTIFIED MAIL AND REGULAR MAIL AS WELL AS, MAKING NUMEROUS TELEPHONE CALLS. IN ADDITION TO BEING BILLED IN CORRECTLY I AM ALSO BEING CHARGED FOR INTEREST. NOW THAT I HAVE NOT BEEN USING MY CREDIT CARD AND THE ONLY BALANCE SHOWEN IS MY DISPUTE CHARGE, I REFUSE TO PAY ANYTHING. I WILL FURTHER FOLLOW UP BECAUSE I DO NOT KNOW IF I WILL BE CHARGED ANY LATE FEES OR ADDITIONAL FINANCE CHARGES.
Product: Mortgage

I am writing this letter on behalf of my wife who has XXXX and can no longer deal with this company. She has XXXX  through the roof, loss of sleep and numerous other health issues trying to resolve this matter. Last year ( XX/XX/2019 ) she received a notice from the current servicer ( XXXX ) that servicing rights were going to be switched to LoanCare LLC. Effective date would be XX/XX/2019. She had already made her XX/XX/2019 ( actual paid date XX/XX/2019 ) payment to XXXX. So starting XX/XX/2019 ( actual paid date XX/XX/2019 ) she send her payment to LoanCare LLC as directed by the letter she received from XXXX. LoanCare LLC has to this day insisted that they have not received it. They have been sending her late notices for the past year and most recently they are now telling her that shi is now 2 payments late. We have called them every month since last XXXX explaining and sending them documentation from her bank account showing the payments were send and who they were sent to. We have spoken with countless customer representatives and supervisors with whom none of them have been able to locate her missing payment. We have also done a 3 way call with her XXXX  XXXX XXXX representative and LoanCare LLC and they still cant find our payment. We've even had them hang up on us as we have been kind of rude as they have accused us of lying to them. We are at our wits end with trying to prove something that should not be our problem. We did not ask for my mortgage servicer to be changed and it's not her fault that they misplaced her payment. As a side note, I looked on the internet for reviews of LoanCare LLC and needless to say their customer service is terrible. I hate to see what her credit report looks like since all this started. This is not right. These servicing companies should not be able to ruin someone's credit just because they have poor accounting programs that can't locate extra money that has been sitting in their account for the past year. I simply do not understand and do not know where to turn for help. Until we learned about you. Please help us!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting XXXX XXXX XXXX to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX, VA XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXXXXXX Balance Owed : {$4300.00} ; XXXX XXXX  XXXX Balance Owed : {$1500.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$400.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$360.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the item listed below which still appear on my credit report, even after your Investigation. I would like this item immediately re-investigated. This inaccuracies is highly injurious to my credit rating. 


- XXXX XXXX  - XX/XX/year> The following inquiry was not and should not be reporting. 

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. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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: Credit card or prepaid card

I was an authorized user on a credit card account from BARCLAYS which has been closed since XXXX. I reach out to BARCLAYS in XX/XX/XXXX asking them to remove this account from my credit because it has been leaving a negative impact on my credit, they sent me a letter on XXXX stating if I would like to be removed as an authorized user give them a call, which I've been trying to do up until this date but I've been unsuccessful
Product: Debt collection

I received a text message on XX/XX/year> from a debt collector and have not consented to receiving text messages from them. The text message is from phone number XXXXXXXX XXXX XXXX XXXX XXXX and it states, This is Unifin, a debt collector. Contact us about ref XXXX XXXX XXXX XXXX or XXXX ChargesMayApply Reply STOP to stop texts. I also do not owe any debt so other abusive factors are likely at hand as well.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies n my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C, 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

This company was provided multiple times my childrens sensitive life information which they mis handled and claim did not receive when my certified mail confirms they did indeed receive the information and are not handling it properly and saying they did not receive it. Their previous response to my complaint is not valid or related to my complaint in any way. They have failed to provide security and service as requested. I have sent everything I possibly have legally to this company in order to place a freeze and lock on my childrens credits and accounts. I will be contacting my lawyer in regards to this company going forward for what they have done with my childrens and my own life documents.
Product: Debt collection

This letter is formal notification that the debt you are reporting is disputed and is not a refusal to pay. Please send me a validation of this debt as soon as possible. 

Under the FDCPA you must send valid proof that these monies are owed by me. DO NOT send a simple printout showing my name and a dollar amount. You are expected to forward the following : 1 ) Proof that your company has the right to collect the debt, such as a signed contract between collection agency and the original creditor, stating that this account has been purchased by your company, or a copy of the original invoice from the original creditor that states that this specific debt is the one your company has purchased from the original creditor 2 ) Original creditors full name and address 3 ) Date of last activity/payment, if any 4 ) Copy of the signed contract between the original creditor and me 5 ) The Full billing history of this account not a statement 6 ) Date your company purchased said debt 7 ) Amount you paid for said debt
Product: Checking or savings account

Popular Direct withdrew {$5000.00} from one of my accounts there and abruptly closed that account and claimed that the money went to my XXXX XXXX XXXX XXXX XXXX Account. It showed that they withrew the {$5000.00} on XX/XX/2023 but XXXX XXXX never received it and said they do not even see the transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CAPITAL ONE, XXXX XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CAPITAL ONE, XXXX XXXX, and XXXX  with no successful resolution. There was definitely an error on their part.
Product: Checking or savings account

I requested that M & T Bank designate a trust as beneficiary of personal checking and savings accounts. The reason for this is because the only living beneficiary is XXXX XXXX  and can not receive the inheritance outright. M & T stated that they can not name any trust the beneficiary of a checking or savings account. This would force the XXXX XXXX beneficiary to lose benefits and/or navigate the probate process. 1 Pa.C.S. 1991 specifically identifies a trust under the definition of a person. The Pennsylvania Banking Statute Title 7 6102 does not specifically mention trusts but does state, " any other group of individuals, however organized. '' A trust is nothing more than a group of individuals ( Grantor, Trustee, Beneficiary ) organized by written trust agreement. Additional concerns for not being able to name a trust as a beneficiary are for single parents of XXXX XXXX. An inheritance left to XXXX XXXX would be managed by their surviving biological parent which may or may not be in their best interest and likely not the wishes of the decedent. M & T 's policy puts their clients and their loved ones in a position to be greatly harmed.