23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

Mariner Finance sent me a check that was automatically deposited. I did not agree to the usurious terms and Pennsylvania caps interest at 6 %. When I learned that Mariner was charging an outrageous amount of interest exceeding the lawful limit, of which I did not agree in writing, I attempted to pay the loan using a debit card. Mariner, to earn fees, makes customers break the payments into {$750.00} increments. Therefore, I agree to pay {$2.00} on the {$750.00} payment. However, Mariner refused to process the payment stating that I was " restricted '' from making payments. In other words, Mariner refused to accept the payment causing the loan to be late, adding more usurious interest that I did not agree to.
Product: Credit card or prepaid card

I will address this in a simplified format since I've complained about this same issue with the CFPB already. US Bank is noncompliant with sending me an electronic copy by email, or mail that contains all billing statements from beginning to end, account notices, letters, and other relevant information. I've dealt Executive Department, Consumer Relations Department, and their collections department with no success.
Product: Debt collection

I am in need of help because i am being harassed by a debt collector ( XXXX XXXX XXXX ) who has repeatedly calling me after i told them that it was inconvenient time to call me sadly they didn't stop there.. They repeatedly called after i told them to stop! I have recorded calls. I was totally uncomfortable and emotionally stressed!

I DID SOME RESEARCH AND FOUND THIS LAW ; 15 USC 1692 WHICH IS THE FDCPA AND IS IN SECTION 1692c ( a ) ( 1 ) it says ( at any unusual time or place or a time or place known or which should be known to be an inconvenient to to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 o clock antemeridian and before 9 o clock postmeridian, local time at the consumers location ) which means that if i told them that it is not a good time they should know that it really was inconvenient and they proceeded to do it anyway! 

They also violated me again under the FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

Approx a year ago I had several accounts opened ( or attempts ) using my identity. More fraudulent transactions committed with stolen identity. All four accounts were signaled as fraudulent by the credit organizations and no accounts were successfully opened. 

Customer service at XXXX XXXX indicated they have some identifying information on whoever attempted to open accounts that could be very useful to law enforcement. Would/could not provide more details to me. 

The four accounts are listed here : Three accounts ( two checking one CC ) applied for online through XXXX XXXX XXXX XXXX, 2021 One credit card applied for online through XXXX  XXXX on XX/XX/2021 2021
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the years I have obtained annual reports periodically. On XX/XX/2019 I paid {$1.00} to get an annual credit report from Experian. 
On XX/XX/XXXX + XX/XX/XXXX Experian then charged my credit card {$21.00} for a monthly report. I called Experian and their representative " XXXX '' only would stop billing me further without explaining how this happened.. " XXXX '' said the company would not refund the previous fraudulent ( to me ) charges from XXXX and XXXX. I can speculate that Experian has a check box somewhere disguised on the {$1.00} report web page such that they are allowed to begin charging monthly reports on unsuspecting elderly clients such as myself. 
I do not need the refund money. This is predatory of Experian and I hope you will stop this from affecting other folks. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted and filed disputes unsuccessfully with XXXX, Equifax, and XXXX. I have provided them the appropriate documents indicating that an account is paid in full. 

They are refusing to make adjustments and are still displaying false information, willfully at this point.
Product: Debt collection

I cosigned a lease with my daughter in XXXX. She signed 2 subsequent leases in XXXX and XXXX, and the lessor did not ask for a co-signer. The lessor is XXXX XXXX XXXX XXXX XXXX. The lessor referred a debt associated with the XXXX lease for collection to National Credit Systems , Inc . The lessor says I am not responsible for the debt. We have provided National Credit Systems with copies of the leases and they continue to contact me for collection and they reported this as a debt owed to XXXX. I have filed a dispute with XXXX. Copies of the leases are attached.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX for its failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o, which establishes civil liability for negligence in non-compliance. 

On XX/XX/year> I disputed a inaccurate credit report item with XXXX. Despite my efforts, they failed to conduct a reasonable investigation, correct errors, provide proper notice, causing financial harm and distress. 

Under 15 U.S. Code 1681XXXX, XXXX is liable for actual damages resulting from their negligence. Their non-compliance has negatively impacted my credit standing, leading to higher interest rates, loan denials, financial loss. 

I request the CFPB to investigate this matter and hold XXXX accountable for its failure to comply with the law. I also seek corrective action, including the removal of inaccurate information and compensation for damages. 

Please let me know the next steps and how this complaint will be handled. Thank you for your time and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I wish to follow up addressing a matter of great concern regarding fraudulent activity that has affected me. This message is a follow-up to request the elimination of specific entries from my credit file, attributed to alleged fraudulent activities. As mandated by FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to expedite the removal of such entries no more than four business days following the submission of the previous complaint on XX/XX/XXXX. I have previously communicated this issue through a formal complaint, and I restate my concern here, accompanying it with my updated FTC Report # XXXX. I must underscore that the details of the disputed entries are entirely unfamiliar to me and have been removed by other credit bureaus, leading me to question their validity. Here are the items for removal listed per bureau : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am compelled to inform you that failure to act on this request will necessitate legal action. My legal representatives are fully briefed and ready to enforce accountability for any deliberate negligence. This notice serves as your final admonition. I urgently request the removal of the inquiries associated with the alleged fraudulent activity.
Product: Student loan

My total loan was {$16000.00} - disbursement began  XXXX  and completed  XXXX . I started making payments in  XXXX . I called a couple years ago to go over payments and when my loan would be paid and was told it would be done by  XXXX . My loan balance has not changed much in the past 12 years and they show I still owe  $ 9000+  I 've requested 3 times a print out of my payments and each time they only provide from  XXXX  and  XXXX  but will not provide me with  XXXX . I ran my loan in an amortization schedule and this should have long been paid for. I 'm getting no where with them and I know this should have been paid in full by now. I feel like they have me backed in a corner and are ruining my credit.
Product: Debt collection

JEFFERSON CAPITAL SYST is claiming that I owe them {$1500.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting or other personal consumer reports

In the fall of 2023 I trued to fix my CR and was told to pay a sum of money upfront and the balance was to be completed at a later date, i was supposed to receive documents and statements of all work rendered, I still haven't received anything, my account was compromised twice and my CR has fallen.
Product: Credit reporting

My credit report with experian has several accounts for southern ct gas which has XXXX balances, XXXX with account number beginning with XXXX and the other beginning with XXXX which should have been deleted off my account. I should only have XXXX bill on my credit file and that is the one with account number starting with XXXX which is current. I am not sure why the other XXXX have n't been deleted as of yet.
Product: Credit card or prepaid card

Consumer Finance Protection Bureau : I am submitting a complaint against Barclays for erroneously holding me responsible for fraudulent charges on my credit card. The attached documentation shows that I was not present in the location where the fraudulent charges were made on the dates they were made. I attempted to resolve the matter directly with Barclays with no success. 
The fraudulent charges totaled {$680.00} and were made between XX/XX/XXXX - XX/XX/XXXX in XXXX, LA. I was not in Louisiana during that time. The attached hotel receipts and credit card statements prove that I was in Texas during the entire date range when the fraudulent activity occurred. 
As I explained in my letter to Barclays dated XX/XX/XXXX, I was working in XXXX XXXX in XXXX but I departed on XX/XX/XXXX, as evidenced in the attached flight records. My Barclays card was lost/stolen during this trip. When I received the Barclays statement, dated XX/XX/XXXX, I immediately called Barclays to notify them of the fraudulent activity. Based on the call, they closed the account, reversed the charges pending an investigation, and sent me a new card. At that point I thought the matter was resolved. 
But in XX/XX/XXXX I received notification from Barclays that their research has indicated that the transaction ( s ) is valid and that they were placing the fraudulent charges back to my account for me to pay. When I called Barclays to ask what the basis was for their decision, they told me I had said in my initial phone call that the card was in my possession. I dont remember saying that. Instead, I remember being unsure where the card was. At the time of the call, I thought the card might be somewhere in my house, but I wasnt sure. Even if I did say what they claim I said, it was an error on my part and disproven the evidence presented. 
After that call, I faxed a letter with supporting evidence to Barclays on XX/XX/XXXX, requesting they reopen the investigating and reverse their previous decision. In early XXXX, I received their reply, dated XX/XX/XXXX, denying my request and notifying me all charges were my responsibility. 
Having been unable to satisfactorily resolve the matter directly with XXXX, Im making this complaint with the CFPB. 
Thank you, XXXX
Product: Debt collection

To whom   it may concern, A blight is on my credit and yet the verification is simply a years billing no proof of contract nothing.
The existence of a bill does not verify the debt.
The issue with them is not resolved it is about Monthly billing fee is not the {$49.00} promised. But somewhere around {$69.00} monthly. They asked me to lock in a 2-year contract for a higher some and I refused repeatedly saying I would shop for a {$50.00} affordable plan if it went up not pay more to lock in a price.     the fraudulent billing of my bank account ( They promised to just run a {$1.00} in verification we had accounts and were credit worthy not take a {$99.00} fee we still do not know what is for because they never said and we were promised free set up and installation. ( found fraudulent and returned by the bank. ) ) ****See the bank letter. They later found it fraud and returned the money but we had to close the account because they could not guarantee it not happening again.   and lastly the length of terms in the face of the incorrect monthly billing. I see no contract that says they can bill me for a year. Nor did I agree to   one at all. I said no to the 2 year and said no repeatedly to any contracts.
When they recorded the transaction, I interrupted the recording to say the cost, the promised free set up, and that they would only charge a $   XXXX   to the account which all should have been recorded. Those are the things I insisted on saying instead just saying yes to the recorded questions which did not include those details. I inserted the offered costs and promises.
They kept the rights to the collection but hired an outside agency to collect this last year which I served certified mail on with these facts and my evidences. They then sent a letter through that collection agency AFNI they were done withdrawing and removing from my credit. Problem solved co  rrect? No now they hired a different agency still working for them  XXXX  and were starting all over again like I never disputed or sent proof or complained or discussed. If they representative says there done, then it should be done this is in of itself its own abuse.   Essential point they are being taken to small claims court we are done. in the meantime, the debt is indeed not verified they have not verified any agreement to cost or length of service. Therefore, I am once again writing to you the credit reporting agencies remove this fraud or be included in the suit. You are responsible to the people you are reporting on not just to take the word of the companies reporting. I am including proof they were held liable for fraudulent b  illing in the State of Florida therefore making it clear to you, the reporting agencies, you can not rely on their word to report on my credit. Otherwise you are culpable with them for any harm done.
Proof again of the fraud on the bank account, the liability in the state of Florida, and emails to them trying to discuss this is included. They never had a manager contact me or discuss this.
Product: Debt collection

A third party collection company is furnishing a negative account and inaccurate information on my consumer report while using the misrepresentation of an attorney to a collect debt.
Product: Mortgage

I am on a forebarreance from XX/XX/XXXX thru XX/XX/XXXX. I have been granted a $ XXXX pay off of the 12 month forebarreance and 6 month mortgage payments per XXXXXXXX XXXX. I received a call from XXXX XXXX of XXXX in XXXX of XXXX advising me of the grant amount. At that time she said my 12 months past forebarreance of then $ XXXX and the remainder of the $ XXXX for the six months going forward of mortgage payments of $ XXXX was over {$700.00}. She indicated I needed to pay that before she could make any payments of the forebarreance check or the remaining $ XXXX going forward. I paid that overage of {$700.00}. She requested a letter from Flagstar Bank for their paid invoice. Next I got a call from her approx 2-3 weeks later telling me I now needed to pay {$3500.00}. She said that Flagstar said I needed to pay that as the overage. I paid that. I called XXXX of XXXX to tell her I paid it and she sent out another letter/invoice from Flagstar for an update that I paid that. Approximately 2 weeks later XXXX called me back on Monday XX/XX/XXXX telling me I now had to paid {$3300.00}. I now began to inquire with XXXX of XXXX and Flagstar to why is there a continuous balance when I started with {$700.00}. My forebarreance is not paid. My forclosure will begin XX/XX/XXXX. XXXX XXXX now said if I pay the {$3300.00} she requested since I complained of this cat and mouse chance of overages she wouldnt ask for anymore balances. 

Something is very very wrong in this. There is no reason why XXXX didnt pay the grant since I cooperated and paid 2 payments and the 3rd payment is from what Im told the XXXX mortgage payments from XXXX and staff of Flagstar but another Flagstar staff XXXX told me it was XX/XX/XXXX mortgage payment which would have been part of the forebarreance. 

I contacted the XXXX XXXX XXXX  attorneys who XXXX XXXX sent me an email telling me this is an issue happening with XXXX and mortgage companies. I have this email. 

I received a letter from Flagstar dated XX/XX/XXXX they will be foreclosing on my property on XX/XX/XXXX. 

I have questioned XXXX XXXX as to why she is continuing to not pay the grant and she blames is on Flagstar. Flagstar is blaming XXXX. 

I need someone to help in this. 

Best XXXX XXXX XXXX Flagstar has had other complaints filed against them with you. Its a XXXX case that I have a copy of that is similar to this.
Product: Mortgage

We are trying to sell our paid in full house. During a title search, a HELOC from XXXX with your bank appeared on our title search. This HELOC was paid and closed almost 30 years ago, but no discharge was filed with the county. 

I have attached the title search, along with my daughter 's POA so you can speak with her as she is handling the sale of the property. 

Section 1921 of NY Real Property Law says the mortgagee has 60 days to release the lien, or is subject to a {$1000.00} fine. If it takes 90 days, the fine grows to {$1500.00}. What's the fine for 30 years and causing us to lose our buyer?
Product: Credit reporting or other personal consumer reports

I am submitting a formal request for the removal of items from my credit file that are attributed to said fraudulent actions. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), it is mandated that any such items be expunged from records no later than XXXX business days following the receipt of my last communication. I have previously submitted my identity theft report ( # XXXX ) and hereby reiterate its inclusion for your reference. Additionally, I must emphasize that the details associated with these items are unfamiliar to me and have been successfully removed by other bureaus, casting doubt on their validity. It is imperative that the following entries be removed from my credit report as part of this complaint : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$3300.00} XXXX  XXXX XXXX Balance Owed : {$1100.00} XXXX : XXXX XXXX Balance XXXX : {$3300.00} XXXX XX/XX/2022 XXXX : XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX Balance Owed : {$1100.00}. This notification serves to inform you that failure to remove the aforementioned items will compel me to initiate legal proceedings. My legal representative has been apprised of this situation and is prepared to pursue action for willful noncompliance. Consider this a final warning to rectify the issue by removing the items stemming from alleged fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, CHRYSLER CAPITAL add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt collection

I am submitting a XXXX complaint on Alliance One Receivables because they has already been a complete disaster. They are continuing to report XXXX collections on my credit report that do not belong to me. I put in a complaint and got a response from XXXX XXXX with what is suppose to be a debt validation letter with Pictures of tags of vehicles that do not belong to me no am i the owner of the vehicles. In the letter XXXX XXXX responded stating they were going to remove the accounts from my credit file. I contacted today XXXX XXXX who gave me XXXX different AUD Control numbersXXXXI spoke to XXXX and gave the control numbers to them in which they sent it to their quality department and they researched the AUD numbers and was advised that Alliance one put the wrong SUB Code with the AUD on XXXX system. This is a complete back and forth that is going on and they are not trying to help me get this deleted from my file even after XXXX XXXX said they were going to get this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file.In a pass complaint your company had removed this account, but in a violation of the FCRA You have re-posted without a written notification prior to re-posting this account .Please remove this account permanently from my file to avoid further litigation.