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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've authorized to gain products, services, or money. Please remove the following ITEMS. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXXXXXX 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

I previously contacted Transunion regarding this account they have never resolved the issue after being provided proof. This account was forwarded to a collection agency. XXXX XXXX states that I owe XXXX this account does not belong to me.
Product: Student loan

I XXXX in 2000 from XXXX XXXX XXXX in XXXX Florida. Since then I made payments of more than half of what they were asking. It got to the point that I was made to enroll in a program that was said to help me become current. However now my loan that was originally XXXX is now XXXX and payments are more than anew car payment. And even in 2000 the credits were n't transferable, but we as students were never told this when we applied for financial aid. I have never been able to afford the kind of payments they wanted, and I certainly ca n't afford what they want now. I 'm recently alone with an {$1100.00} mortgage payment. And that is n't even including the other bills. So yes I can say that the student loan payments would be detrimental in me being able to keep my house.
Product: Prepaid card

I had fraud charges that occurred on my card and also I tried to withdraw funds from my card from ATM at a local ATM and no funds was dispense after disputing it with DirectExpress. I got a temporary credit and without notice they removed all the credits from my account also I have indicated to them that there was fraud that occurred on my account and that I needed to be disputed, they disputed it and the reverse credit from my account again I have never made any transactions with XXXX and I cant get in contact with XXXX as well so they can give me my funds
Product: Credit reporting or other personal consumer reports

XXXX THESE ACCOUNTS, IS NOT MINE C XXXX XXXX - XXXX XXXX - XXXX IS NOT MINE XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been disputing the same claim between XXXX and all three credit bureaus ( XXXX EXPERIAN, XXXX ) for over THREE years now. Finally, the account was taken off of my files I believe last year because no documents could be provided that the account was mine and the bureaus ( with the exception of XXXX ) has REINSERTED without authorization or notification or documentation this SAME file which has prohibited me from gaining access to credit because of low beacon scores and constant denials causing pain and suffering. There is also late payments from XXXX on my XXXX file that was disputed several times with no resolution and a late payment from XXXX XXXX XXXX  that is on all 3 files that were removed and reinserted with no prior documentation, explanation, or notification of reinsertion. Because I seem to be getting nowhere with my claims, I have filed a lawsuit against all 3 bureaus for these issues. The court date is set for XX/XX/year>. Please get this resolved before this date to prevent litigation proceedings.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are discrepancies on my personal credit report ( s ) that are in violation of my consumer rights. Please permanently delete and block the below accounts and inquiries from my XXXX, XXXX, and TRANSUNION credit report ( s ). These inquiries are fraudulent and unverifiable. 

ACCOUNTS : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts and inquiries are unverifiable, fraudulent, and are in violation of my consumer rights. I am requesting to permanently remove these accounts and inquiries.
Product: Debt collection

This debt is not mine. This company has been sending personal mail to an address that I do not reside. Also I never signed a lease here. Please remove debt. Debt has not been verified properly with accurate documentation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 79 MONTH AUTO LOAN Date Opened XX/XX/XXXX High Balance {$22000.00} Closed on XX/XX/XXXX
Product: Debt collection

Numerous calls to XXXX XXXX XXXX XXXX to NOT call us for someone that has NEVER worked here. I have personally spoken with at least 15 " managers '' that promised to stop the calls. Bordering on harassment.
Product: Debt collection

I had run my credit report and I found out that I had a debt collection reported on my credit by seeing this I had send them letters explaining this debts is not correct that this debt So when I saw this I deiced to write a letter to them and to XXXX  which I also send a copy of the letters I sent to ERC on XX/XX/2020 I had send a registered certified mail to let them know what is this ( see attached document ) which I have not received respond. 

On XXXX XXXX I send them another letter to ERC and XXXX  and I have not received any respond again. ( see attached document ) and 3rd letter was send on XX/XX/2020 agin till today I have not received a respond
Product: Student loan

I was contacted by a third party consolidation company who I thought was with the government but I was mistaken. I provided personal information in hopes to consolidate all my loans to one payment/interest rate. After I was given a quote he said it would be a couple days to process and after doing some research discovered I could consolidate my loans through the department of education myself for FREE and this company was charging me XXXX dollars. After calling him back to confront him he responded with a yes you can do that in a smart aleck response. I gave him my FSA ID, SS number, bank statements, and contact information and after talking to the Department of education was a huge mistake. Company is called Student Loan Care or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times to have Transunion and XXXX correct my record as it deals with XXXX XXXX. XXXX has reported various differing amounts in collections on my report. I contested these amounts and the existence of any such account. 
I have caused Transunion to show a XXXX Balance now, but, they still show the account as open, it's closed. Furthermore, I sent them a copy of the only invoice I ever got, which I got after it was posted to collection on my account. If they would have looked closer they would have seen not only the XXXX balance due, but the date that the item shows, it should have never reached collection status on my record. 
XXXX has the same XXXX Balance statement and should have corrected my record they hold as a closed XXXX balance or removed it based on the date shown paid on the invoice and removed the entire item as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, 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. 
The following inquiry is unauthorized : XXXX XXXX, XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XX/XX/XXXX ; XXXXCR/OFF XXXX XXXX, XX/XX/XXXX ; XXXX XXXX XXXX, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SS # ENDING IN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Mortgage

XX/XX/XXXX : I was supposed to close on my short sale today but I am no where near that because roundpoint mortgage is not providing quality timely responses. They have denied every allowable charge submitted by peace mailing responses. I'm not coming to the table with anymore money. Roundpoint should pay for closing assistance, ground rent, hoa, water assessment as allowable charges!!! If the buyer walks away it's going to be Roundpoint's issue. Enough of the run around!
Product: Credit card

after being sick and tired of the fees and other garbage that this company has been charging me- i called in the customer service - got my pay off and paid it - then closed my account. 
a month later i receive a bill for interest on the closed account- i called in again- to pay off and complain - the cycle and i'm afraid will continue. 

I see this as predatory credit practices and interest charged on a closed account that i specifically called in to pay off in full so i can be rid of them. 

Comenity bank will never get my business again and i will continue to fight them on this - would appreciate the investigation into their practices and failures.
Product: Checking or savings account

I have to contact my chase account. # XXXX And authorize person hacked into my. account and wire transfer {$4800.00} on XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 1 credit card with XXXX XXXX XXXX account ( as an authorized user ). Experian reported it. Account opened XXXX, still open. Experian deleted the account after the 2nd half of XX/XX/XXXX without a valid reason. They refuse to reinstate and lie stating reasons that don't exist or they try to blame it on Transunion and/or XXXX who BOTH report it correctly which Experian has been told numerous times. Experian mistakingly deleted the account the 2nd half of XX/XX/XXXX after I was a victim of identity fraud in XXXX. I have disputed this mistaken deletion of the XXXX XXXX XXXX Credit Card by fax, by postal mail, and on the phone as well, asking them over and over to put the account back because it is validly mine ( I'm an authorized user and the account is on same address, never late, same address since XXXX never moved, never anything that would make this account suspicious ). On the XX/XX/XXXX phonecall, I was confirmed of the dispute, and the account was said to be reinstated immediately. Report Number : XXXX Date Generated : XX/XX/XXXX Your dispute results are currently not available online ). It is the only dispute in the account. The mail and fax disputes are not there. After numerous emails with proof to Experian and XXXX XXXX XXXX  monthly, the account is NOT reinstated. It has been over 4 months. Experian 's nonsense responses vary from saying start a new dispute, to saying go to other credit bureaus, to saying they don't have any dispute information, to starting a new dispute again, to calling again, to mailing through postal again, to saying we don't report this creditor ( but they deleted it ), and never do they acknowledge the existing disputes methods, not the 1 dispute that is online, nor do they look at the proof by XXXX XXXX XXXX letter stating it is indeed my ( authorized ) account. COVID makes calling impossible, very hard to reach before COVID as well and since they don't do what they say on there anyway, I don't wish to call. 
XXXX XXXX XXXX contact XXXX XXXX XXXX ADDITIONALLY, delete all names that were used in the identity fraudulent ( see the Identity Theft Report ). Experian states I used these in applications but those were fraudulent applications so the names used should be deleted accordingly. The rest was already deleted ( fraudulent hard inquiries, fraudulent phone number, fraudulent zipcode ).
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many unverified inquiries appear on my report without my permission
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, You stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date of last activities is inaccurate and the date last reported is not accurate and the accounts contain missing information.

This is a violation of 15 U.S.C. 1681e ( b ) ( Accuracy of Report ) and 15 U.S.C 1681i ( Procedure in Case of Disputed Accuracy ). The following account is still not being reported accurately, I request that the following account be removed immediately : 1 ) Account Name : XXXX/Account Number:XXXX The Date of last activity is incorrect, the date reported is inaccurate and the date of last payment is reporting incorrectly. 

2 ) Account Name : XXXX Account Number:XXXX The date reported is inaccurate, the date reported is not correct and contains missing information.
Product: Debt collection

XXXX XXXX XXXXXXXX in XXXX XXXX  XXXX ) incorrect billing XXXX ) results for my XXXX XXXX  for my procedures that I had on XX/XX/year>. As of today, My results depict a very large stomach still and was never flat. 

After reviewing my biilling invoices I noticed that the amount of the XXXX XXXX XXXX increased from {$4800.00} to {$5500.00}. When I scheduled my initial appointment I informed the sales agent I wanted to schedule the XXXX  package and add on a XXXX. Instead I was charged XXXX seperate package costs. 

Also, I was charged as an additional {$250.00} deposit for each package when the XXXX  should have been charged as an add-on charge to the XXXX XXXX package of $ {$4800.00} NOT an additional package. 

It is my understanding, that because I was getting a XXXX XXXX XXXX, XXXX  XXXX not applicable because of the amount of XXXX/ etc that couldn't be taken out. With the XXXX  package I am unable to get XXXX  XXXX. So I shouldn't be charged for that when I am unable to get the procedure. 

When intialing scheduling the appointment I informed the representative I wanted BOTH the XXXX  and XXXX. again which would have been an add-on not an additional package.. In essence I was charged XXXX package prices ( XXXX {$250.00} deposits ) and due to the nature of the XXXX  I would not have benefited from everything in the XXXX package or able to even get the XXXX XXXX XXXXXXXX  removed. 

I should have not been charged for XXXX packages with the XXXX package offers services I would not have been able to receive. With the XXXX package it includes XXXX XXXX of XXXX to be removed. It would be impossible for them to remove XXXX XXXX  of XXXX by me receiving a XXXX XXXX package. You can only get XXXX XXXX  of XXXX removed. 
As far as my results, my stomach is not flat and looks like I am XXXX  XXXX  pregnant. 

I have done the necessary steps on my end to ensure the proper aftercare. I had multiple massages prior to leaving XXXX both at my XXXX house and a reputable massage therapist in XXXX. I also had massages in my home state as well. 

Also, I have been in monthly communication with the XXXX XXXX ' physician assistant.Since XXXX. I have been sharing the pictures/ results of my procedures. My stomach STILL looks like I am pregnant. It's not even a little flat. This is ridiculous. It's embarrassing and I have been stressed out and depressed since. There is no way my stomach should be this huge after a XXXX XXXX procedure. 

I am requesting a refund of {$4500.00} Which breaks down as the following : {$3700.00} for the XXXX  package and {$720.00} off of the XXXX XXXX XXXX. ( {$5500.00} - {$4800.00} ) I was overcharged and paid for a service that was not done properly. 
I tried to explain the situation again with XXXX from the billing department and she was very rude and condescending. She hung up the phone on me and stated nothing will be changed. 

Thank you for your prompt matter in this situation.
Product: Mortgage

In 2016 my mortgage was sold to Carrington Mortgage Services. The online interface for Carrington frequently lags behind, is regularly incorrect, and they do not provide any notifications about activity on your account. 

When I attempted to set up recurring payments online, the account told me that if I signed up it would cancel any outstanding payments. It turns out that they did not cancel my payments, and as a result I had multiple payments taken out of my account in the same month, putting me in great financial and emotional distress. To stop this from happening I put a stop payment order on the account from my home bank account. When I attempted to pay the mortgage the next month, I mistakenly left the stop payment on my checking account, causing the payments to not make it to Carrington.

Carrington has responded by banning me from making online payments for a period of time, but didn't tell me until the payment by mail was guaranteed to arrive after the 30 day period I have to make my payment. This has resulted in my credit score going down, I have to pay an extra cost each month so that I can physically mail a check, and this makes it much more difficult for me to pay my mortgages on time as I have to verify online and over the phone every month that they have received the check. 

I feel that by selling my mortgage to a company that actively makes it more difficult to pay my mortgage, I have been put at a significant disadvantage than I was at during the original agreement.
Product: Credit card or prepaid card

I paid {$750.00} to Ulta-Comenity in and around XXXX XX/XX/2022 and they LOST the payments. 
Had proof from my bank it was sent. 
One day I get 2 statements from Ulta and one has a {$750.00} XXXX XXXX XXXX is my current Ulta account. They credited my OLD acct ( which should hv been closed ) they can't FIND my old acct if I call. They settled it in XXXX but NOW I GOT ANOTHET TWO BILLING STATEMENTS and now they say I owe {$350.00} on my old account.. if I call? THEY CAN NOT FIND THE OLD ACCT. I get told to call, email... theyll fix it..its not fixed and I need you to step in.
Product: Debt collection

They called me and told me if I set up a payment plan and made all of my payments it would not be reported. The called me in XXXX, I set up and made my first payment and was on a monthly schedule to pay every month until the balance was paid in full. I was told as long as no payments were missed my credit would not be impacted. 

Today I woke up to them reporting me and my credit report dropping XXXX points. I called them they said oh well we will remove it once paid, I advised thats not what the agent told me and she just kept repeating herself that it would be taken off once paid. This should not be showing on my report as its being actively laid as agreed upon. 

Deceptive and unfair practices. Tried to have them resolve and they refused. Unacceptable.