23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Your failure to address my repeated requests to investigate and correct inaccurate information on my credit report is unacceptable and a clear violation of the Fair Credit Reporting Act. I am prepared to take legal action if necessary. I demand immediate compliance with the law. XXXX XXXX XXXX must be investigated and removed promptly. This is my final request before pursuing legal action.
Product: Credit card or prepaid card

Purchase of a XXXX XXXX XXXX from Best Buy XXXX $ is the total. They shipped it via XXXX XXXX in the original packaging according to them. Tracking showed that XXXX XXXX delivered said package. We waited a few days to ensure proper delivery. The package was never nor did we ever receive package. Best Buy denied refund due to tracking. Citibank failed to process a chargeback or use our information for a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Let me first begin to tell that the loans were already written off and then reapplied in XX/XX/XXXX of this year. XXXX was closed because of Fraudulent activity by the United States Government for over charging there students as a student we had the opportunity to have that erased and that is what i did. This had already been erased and the way i found out that it was reistablished was that i went for a car loan recently and found out that my student debts were reapplied. So that you are aware i wrote the United States Supreme Court not just in regards to these loans but because of dealings with a debt collector who was hired to not only collects debts from me following an accident that i am the victim of but i am also the witness who can provide information that will prove that the death of a co worker was not an accident and could of been prevented. The debt collector in question here is XXXX and XXXX XXXX, they not only broke the Right To Fair Debt Practice but also violated my financial privacy and continues to do so for 5 years. The XXXX 's have also broken several communication laws including computer and cell phone fraud and this has been reported to police however since i have information as a witness to that accident Michigan XXXX Police and other local law enforcement agencies and First responders have instead harassed me. An officer failed in doing his job as did the company and it's employees and previous managers and i have knowledge of the cover up. XXXX XXXX was negligently killed because of money and greed. I am the person who attempted to save his life and took the driver home that night who did not possess a license to drive a truck. I am being told that because the DOT is involved as well that i am being extorted. XXXX XX/XX/XXXX took {$230.00} out of my monthly check without contact. 

XXXX College was given a note from my doctor which they asked for. I needed to notify them within a week of my signing up for classes which i did to let them know that i would not be attending that semester due to symptoms of XXXX. This is not about collecting a debt this is about oppression and trying to keep covering up a crime that needs to be brought to light. A former supervisor XXXX XXXX is still harassing me because i know for a Fact that due to his budget restraints that the building was not up to code and if it had been XXXX would have not lost his life. I was on the safety committee. The city attorney for XXXX XXXX is failing in doing his job and it is my goal to see this through. XXXX foods put a device inside my XXXX vehicle that had military software and it violated my 4th amendment rights and because they got busted with this ( i took a photo of it ) i am a constantly harassed by faceless cowards. I am providing you a copy of the documentation given to the United States Supreme Court and the evidence that i have of what a cloned device looks like and how can catch the XX/XX/XXXX ( The XXXX and member of XXXX XXXX School District ).
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concerns regarding the inaccurate information on my credit report, which is maintained by Experian Information Solutions , Inc. Despite my efforts to rectify the errors, it has come to my attention that the discrepancies persist, and this has caused significant harm to my financial standing. 

I have made multiple attempts to dispute the inaccuracies through the proper channels, as outlined in the Fair Credit Reporting Act ( FCRA ). However, it appears that these efforts have not been successful, and the inaccuracies persist. 

I believe that Experian Information Solutions , Inc. has failed in its duty to ensure the accuracy and integrity of the information in my credit report, as mandated by the FCRA. This failure has resulted in damage to my creditworthiness and has adversely affected my ability to obtain credit on fair and reasonable terms. 

I am hereby providing notice of my intent to pursue legal action against Experian Information Solutions , Inc. for violations of the FCRA and any other applicable laws. I believe that your company 's actions have caused me substantial harm, and I am left with no alternative but to seek legal remedies to address this matter. 

I strongly urge Experian Information Solutions , Inc. to promptly investigate and correct the inaccuracies on my credit report in accordance with the provisions of the FCRA. Failure to do so will leave me with no choice but to proceed with legal action. 

Please consider this letter as a final opportunity to rectify the situation before legal proceedings are initiated. I expect your prompt attention to this matter and a timely resolution.
Product: Mortgage

Nationstar mortgage co. play a game with me for four years, I can pay, but they do not modify the mortgage. The account number is XXXX. I was robbed from many sides and my house was damaged and my XXXX was destroyed, so I could not pay for few months. I could pay after that, but they said I should apply for modification. Four years they played a game with me and collect a lot of late fee and attorney fee and now because I have a lot of equity in the house they want to forclose the house that I live in for 16 years. I am XXXX years old and worked 45 years as XXXX. I can pay now, but they want the whole money and do not coopeate and or make modification. I paid also a co. for reverse mortgage, but they sharge money and they did not do the reverse mortgage. It is not fair and just as I was robbed and they misused my situation.
Product: Credit reporting or other personal consumer reports

I have been unable to access my Experian account due to inability to change password or log in to delete fraudulent activity, which hindering my life. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, credit reporting agencies are required to ensure the accuracy and fairness of the information contained in consumer reports.

Additionally, pursuant to the Uniform Commercial Code ( UCC ) 1-308, I am exercising my rights to demand the correction of inaccuracies and unauthorized reporting of accounts. The continued reporting of fraudulent accounts or incorrect information constitutes willful noncompliance with the FCRA, subjecting your agency to legal liability, including statutory damages under 15 U.S.C. 1681n and 15 U.S.C. 1681o.
Product: Debt collection

Caller called from a local ( XXXX ) number. I called back, thinking it was a parent of XXXX or one of my son 's teachers. Caller attempted to get my address, would not say who they are, hung up. Called again, individual who answered disclosed company name and address. Company is located in Illinois. She asked me to verify an address, and I complied, telling her my current address. She then gave me the Mini Miranda after I disclosed my personal information. Said they are calling on behalf of XXXX ( company that bought the debt ). They refused to give me contact information for this company, even when I talked to a manager. The manager stated that I could " look the company up on the internet. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked my credit in XX/XX/XXXX and noticed an item in collections on my report that has n't been there. It is for {$500.00} and from company called Security Credit Services. I called them and asked what it was and they said from a company called " XXXX XXXX '', I told them I did not know who XXXX is and needed something mailed to me with my signature on it showing it was mine. They replied that they could only send me a letter but it WOULD NOT have my signature on it. I told them no, I needed something proving I owe this amount because I am working really hard to get my credit right, they told me they did not have anything. I called XXXX and XXXX in XX/XX/XXXX, XXXX and XXXX of XX/XX/XXXX and asked them both to send me whatever this company sent them to get it on my report. The first time I called the lady told me they could n't send me anything and the second time I called the man said he would send it and I have n't received anything. When I looked on my report it said " dispute closed '', so I called XXXX and XXXX again in XX/XX/XXXXand they just said it has been closed with no explanation. I called Security Credit Services on XX/XX/XXXX( today ) and they again told me they did n't have anything with my signature on it and they got the information from " XXXX XXXX '' ( man was rude ), so I asked him to mail me what XXXX gave them and he again said he did n't have anything and he said " your not going to get it, I do n't have that ''. The number on my credit report for Security Credit Services is XXXX and they told me it was n't even them, then they told me XXXX XXXX put it on my report but it says Security Credit Services. No one can provide me with anything with my signature on it. I do n't know how XXXX  or XXXX ( and I 'm sure its on my XXXX credit report too ) can just add things on my report without any proof. They need to send me something with my signature on an agreement that I owe this amount or they need to take it off my report. Those involved are : Security Credit Services XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is the contact information I have
Product: Credit reporting or other personal consumer reports

I tried to access my report and found multiple inaccuracies. Also by using Experian I noticed disputes I sent out arent being received
Product: Credit reporting or other personal consumer reports

I sent a letter via certified mail on XX/XX/year> asking that the credit bureau ( Experian ) provide proof of verification and method of verification that is not computer or AI generated and remove items reporting inaccurately on my credit report according to Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D. I also advised that the spelling of my name " XXXX '' was incorrect and to remove/update the spelling " XXXX ''. I received the standard generated response with no verification method stating the information was " verified '' with no other information and my name was never corrected. And Experian has violated my rights as a consumer, as well as federal laws.
Product: Credit reporting or other personal consumer reports

Transunion and XXXX continue to report an account inaccurately on my consumer report. The account listed on my consumer report XXXX The XXXX XXXX XXXX has several inaccuracies that I know have not been verified. Both credit bureaus are not reporting the same information and that means that the account has not validated by anyone other than the credit bureaus. 

High Balance : {$520.00} {$0.00} Last Verified : XX/XX/XXXX -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX Date OpenedXXXX XX/XX/XXXX Closed XXXX -- Creditor Type : Bank Credit Cards All Banks Creditor Remarks : Charged off as bad debt Purchased by another lender Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor.
Product: Credit reporting, credit repair services, or other personal consumer reports

CHILD SUPPORT ENFORCEM 1 POTENTIALLY NEGATIVE MONTH Balance details Paid off - Balance {$41000.00} Balance updated XXXX XXXX, XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Family Support Status Collection account. {$41000.00} past due as of XXXX XXXX. 
Status updated XXXX XXXX Past due amount {$41000.00} Original balance - Monthly payment - Last payment date XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone number ( XXXX ) XXXX THIS ACCOUNT DATE OPENED/DATE CLOSED/BALANCE/LAST PAYMENT IS IN ACCURATE THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 15 U.S. CODE 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft.not later than 4 business days after the receipt. 
ACCORDING TO THE " FAIR CARES ACT '' YOU ARE VIOLATING MY RIGHTS AS A PROTECTED FEDERAL CONSUMER!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND MONEY LION FAILED TO REMOVE ALL INNACURATE INFORMATION FROM MY CREDIT REPORT. MONEY LION IS STILL REPORTING FALSE AND FRAUDULENT INFORMATION AND XXXX IS ALLOWING IT. DESPITE ALL PROOF PROVIDED THEY ARE NOT PERFORMING A COMPLETE INDEPENDENT INVESTIGATION AS THEY ARE REQUIRED BY LAW. I DEMAND A REMOVAL OF THE MONEY LION ACCOUNT AS THE COMPANY KEEPS REPORTING THIS ACCOUNT ON MY CREDIT FRAUDULENTLY AND XXXX  IS ALLOWING THIS FRAUDULENT REPORTING TO CONTINUE. The FCRA requires a credit reporting agency to go beyond its original sources of credit information when reinvestigating inaccuracies in a credit report after the consumer informs the agency of those inaccuracies. Based on that, a generic, electronic investigation is not satisfactory when looking at my case specifically. ALSO STOP REPORTING 4 AND 5 CHARGE OFFS WHEN THE ACCOUNT CAN ONLY BE CHARGED OFF ONE TIME!!!! REMOVE ALL INNACURATE INFORMATION FROM MY CREDIT REPORT
Product: Debt collection

I was a Wells Fargo member for over 10 years, I had a credit card with them that went to collection. I was in the process to change jobs when I started to running behind with payments and went to collection. After the account was place in collection I reached them to " pay for delete '' and we were able to settled the account. I paid {$510.00} now the account is XXXX balance. I called to send them a Good will letter so see if they are able to remove the account off my credit report, since it has a high impact on my account, hurting my scores badly. They say that I was able to settle for the 40 % and I still have a balance with them. I told them I have my receipt an I have a balance XXXX. This company is not able to negotiate with no one. I believe this in an abuse of power.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE 5 COMPANIES CHECK MY PERSONAL CREDIT WHEN THE  PURCHASE WAS A CORPORATE PURCHASE OF A VEHICLE. I DID NOT AUTHORIZE THESE INQUIRIES. THE VEHICLE PURCHASE WAS A CORPORATE PURCHASE, NOT A PERSONAL PURCHASE. I HAVE THE SALES CONTRACT THAT SHOWS THE BUYER FOR THE VEHICLE IS XXXX XXXX XXXX XXXX XXXX XXXX, AND IT WAS A CASH PURCHASE:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 COMPANIES DO NOT RESPOND OFTEN; WHEN THEY DO THEY TELL ME WITHOUT AN ACCOUNT THEY CANNOT CORRECT THEIR ERROR. XXXX; EQUIFAX AND XXXX  TELL ME THAT THE COMPANIES NEED TO REMOVE THE INQUIRY...THE COMPANIES TELL ME THE CREDIT BUREAUS NEED TO REMOVE THE INQUIRY. I HAVE WORKED ON THIS ISSUE FOR A YEARS WITH NO RESULT. THIS HAS DAMAGED MY ABILITY TO DO ANYTHING FINANCIAL, IN THIS LAST YEAR. I WANT THESE FRAUDULENT INQUIRIES REMOVED FROM ALL THREE CREDIT BUREAUS.
Product: Credit reporting or other personal consumer reports

I paid my XXXX XXXX XXXXXXXX account XX/XX/year> ( around this date ). I reported this to TransUnion and XXXX. XXXX corrected my credit report, but TransUnion refuses to and keeps noting my TransUnion credit report with false information. Remarks, placed for collection and Pay status, collections. This is false, the account was in collections and paid off in full. They keep stating the information is correct but it is not. I have submitted XXXX disputes so far and they refuse to correct this information. TransUnion is horrible.
Product: Credit card or prepaid card

My care credit account was closed on XX/XX/21 with a {$4000.00} credit limit and a {$0.00} balance. 

I called to reestablish my account and they refused because of my credit report.
Product: Credit card

Received Debit card in mail from M & T Bank over weekend tied to an unknown checking account ending XXXX. Contacted M & T Tuesday morning, XX/XX/XXXX and was transferred to their Fraud division. Per their request provided them with debit card number, and gave them last four digits of CHK account number of XXXX which was on the form with the new Debit card. Informed them that I had NOT opened up an account with their bank and did not want this card activated. XXXX in the Fraud division said that he would close the account immediately. But he also needed MY personal info to authenticate that I was ME. Provided my mailing address. He also needed my social security number and birthdate. Gave him last four digits of my social security number, and while extremely reluctant to share, he also needed my birthdate. In order for him to give me more additional information, I had no choice, and in fact he said that all of my personal data was used to open the account. He confirmed there was {$0.00} in the account ; the account was opened online on XX/XX/2023, and that the Bank automatically closed the account on XX/XX/2023. He had no additional information to provide like the actual location or state where the fraudster opened the account. This should be fairly simple for banks to data mine this info, along with email addresses provided when opening the account, along with IP addresses. He also confirmed that M & T does not have banks in my city. He reassured me that the account was closed, and confirmed that a record of our conversation would be noted on this fraudulent account. Question remains as to how fraudster got any of my personal information as I shred everything.
Product: Student loan

I am looking at the XXXX that exists in the student loans in this case it is my student loan when I sign this loan with the XXXX XXXX according to the person who did the paperwork told me it was a federal loan and not private which was not so, she made me privately deceive me that she was federal and she also told me that she was going to pay a monthly payment of XXXX dollars a month which at this moment the Navient company is charging me monthly amount of XXXX dollars I have been paying the loan but I have already reached the point that my life has become very expensive in exchange for not working and the little I do is to spend on my home expenses t the babies that I have are XXXX I call the Navient company and I tell them the problem and they do not give the solution I have complied with them all the time and now what they do is raise interest and payments when it should be in reverse now I'm paying more than when I started and I do not know what Please help me solve this problem thanks my number is XXXX and my email XXXX XXXX
Product: Credit reporting

Equifax has not provided me, to date, their reinvestigation procedures, & additional documentation provided to them, in the matter of my dispute with XXXX. This is clearly a violation of the FCRA, which enforces fair credit reporting by the credit bureaus. To date, Equifax continues to falsely report XXXX Account # XXXX as a contractual debt under my name, without conducting a proper reinvestigation of my dispute. They have not provided me any further information which supports their verification of the item, and have not weighed impartially the documentation that I provided to them. 
In support of my complaint against Equifax, I am attaching the results of XXXX investigation of my complaint with XXXX. XXXX conducted a proper, impartial reinvestigation of my dispute, and deleted the false information from my credit file. Equifax has failed to conduct a proper investigation of my dispute, or provide to me their verification procedures and additional documentation provided to them, in making their decision. Based upon their actions, Equifax has violated the FCRA regulations, and should be penalized accordingly.
Product: Credit card or prepaid card

XX/XX/2020, I used Citi Costco credit card to purchase 3 international air tickets to XXXXXXXX XXXX XXXX, CA @ this online travel agency XXXX. The Covid shut down the United Airline cancelled my direct flights. On XX/XX/XXXX, this online travel agency emailed me stating the airline approved my refund but then 1 week later emailing me asking me to pay more $ $ for the new travel date and I must complete the travel byXX/XX/XXXX. 

Since this travel agency is deceptively manipulating offering what is completely different from the airline refund policy and XXXX XXXX XXXX, I escalated my charge to Citi Costo on XX/XX/XXXX. Since XX/XX/XXXX, Citi has lied to me numerous times, they issue conditional credit when I first file the dispute then reversing the credit when the merchant respond, then when I submitted to Citi for the information they asked they sent me 3 letters that they are re-issuing the conditional credits for 3 charges which in truth they only re-issue 1 conditional credit. Citi told me on their recorded call that my case won the Visa arbitration and I will see all the permanent credit by end of XX/XX/XXXX, but then 1 week later they said the merchant exploretrip refused to honor the request for 1 remaining tickets and I have to work w/the merchant to get it back. 

So I called the airline, they helped call this merchant exploretrip on XX/XX/XXXX, the merchant manager promise me i will see the remaining refund {$620.00} back in 30 days, after 30 days I still don't see the refund, so the airline calling them w/me again the merchant said 10 more days. XX/XX/XXXX, the merchant is once again emailing me that they tried to process the refund but cant due to there's a charge back on their account from the bank .... 

My dispute case supposed to close by XX/XX/XXXX, by now Citi still has it open. I don't know who have my $ XXXX Citi charged back the merchant and did not apply it to my account or the merchant is lying. I have been giving the around by these two. 

Per United airline they followed the XXXX XXXX  and issue the full refund back to the merchant for their bulk tickets already. Since I paid my tickets to this merchant exploretrip.com they are the one must issue the refund. 

Per CFPB /FTC laws that merchant are not allowed to keep consumer $ $ when service or products is not delivered. Citi and this merchant are so unethical and lying so many time. I need CFPB to help me w/Citi and ask why my dispute is still open and the merchant emailed me they received the charged back on their account. I've been calling and waiting for Citi to respond and heard nothing back from them. 

Citi Dispute Case still open after issued a permanent credit # XXXX ( for {$810.00} ) not showing balance in my card AND case # XXXX ( for {$620.00} ) still open and the balance is still showing on my card.