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

My identity was stolen someone has opened accounts in my name I did not authorize.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Credit card

i am trying to explain my credit card company, discover card about my issue concerning a unauthorized charged from a sharing vacation company, named holiday vacation.i sent an email from the company as a proof saying that the have refund my money and cancel off my contract. i was trying to contact them, but i couldnt. i talked to my credit card bank discover and they say that they have made a decision about my case and not to refund my money. 

discover bank is not really helpful. they didnt research very well. 

i am very worry about that. please help me up with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681, Section 602, I am entitled to privacy, and Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not provide an account without my written consent.

Additionally, according to 15 USC 1666b, a creditor is prohibited from treating a payment on a credit card account under an open-end consumer credit plan as late for any reason
Product: Vehicle loan or lease

I had autopay set up on my account with my Bussiness XXXX XXXX and credit acceptance new policy said it no longer take Bussiness card payments of XX/XX/2020 which I wasnt aware of so there for my payments wasnt being made I called in XXXX to pay the account in full and still wasnt told my Payments was late or anything I recently check my credit report and sees they put I missed 6 months of payments back to back which was false I try contacting them serval times finally spoke to someone who said just fill out the dispute form and put covoid 19 and we will remove the late payments lies lies lies my account is paided in full XXXX XXXX years early and they wasnt please and not tryna make me pay by reporting it to all three credit bureaus which is not my fault at all i tryed working with them and all still nothing Smh
Product: Credit card or prepaid card

In XXXX, 2022 I ordered sandals XXXX XXXX XXXX XXXX, owned by XXXX ; by mistake I ordered another pair. They were advertised on their web page to be priced at {$72.00} less a discount of {$29.00} for a final cost of {$45.00} including {$2.00} tax. When they arrived it was shown that I was being charged a total of {$61.00} for each pair. I felt this to be a " show & switch '' & neither did I care for the sandals. I immediately requested a prepaid return label and XXXX sent me two XXXX  prepaid labels. # XXXX was for order # XXXXXXXX XXXX tracking # XXXX XXXX XXXX dated XXXX XXXX # XXXX was for order # XXXXXXXX  XXXX tracking # XXXX XXXX XXXX dated XX/XX/XXXX. The charges were made on my Citi XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX. XXXX contends that I sent back only one of the pairs of sandals.This has been " back and forth '' between me and Citi Card since XXXX. I have sent them documentation copies of the return labels and receipts from XXXX. I sent them once by certified mail and again by regular mail. I have requested that either or both Citi Card and XXXX use the tracking numbers that I sent them to further verify my return of both pairs.Citi Card as a final outcome have stated there is nothing further that they can do and have only credited my account with the one {$61.00} charge.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$790.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently got a notification for an inquiry I didn't recognize by Goodleap LLC. I have not authorized any hard inquiries on my credit report in over a year.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX has incorrect information of my information and they are reporting this personal information as accurate when it not.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account XXXX XXXX XXXX XXXX / XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting

Around XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX took over our home loan from another bank. The loan is now paid off but during that time we were having problems with the all the time. Problems such as we set up electronic payment and were advised AFTER-via late payment notice, that electronic payments were n't authorized. Then when we sent payment in by check, we received another late payment because they increased the amount without telling us so our payment was short. They told us they would clear all late notices and we would send in the difference which was {$37.00}. Yesterday I had a background investigation interview and was asked what the late payment to XXXX was about which was dated XX/XX/XXXX. We have no idea what that is about and I called them and they told me that they do n't show any late payments on our account. I would have to send in this problem via fax before they can investigate. Go ahead and XXXX XXXX and see all the unhappy reviews about them and see how many are just like mine. They are a very disorganized company and should not be in the home loan business.
Product: Debt collection

I am contacting you to inform you that I recently received a copy of my Equifax credit report and after carefully reviewing, I have found a number of accounts that are inaccurate and do not and have never belonged to me. These items that are reporting on my credit file are inaccurate and are hurting me from obtaining a mortgage in the near future. Below are the following accounts I would like to have removed and my credit report updated as soon as possible. 

Account : XXXX XXXX XXXX Account : XXXX XXXX Bank Account XXXX XXXX XXXX Bank & XXXX I have requested that the credit bureaus send copies of the documents that they have in their file to verify accuracy and they have failed to do so. Under the fair credit reporting act, I have the RIGHT to demand that they disclose all documents that are recored and retained that presents valid proof that these documents indeed belong to me. If they are unable to furnish the proper documents I demand to have these accounts deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent information in the this company several times. I uploaded documents directly to them when my certified mail documents went unanswered. I called and was told to mail in the documents again. Its several inaccurate information on my credit report, which after weeks of research and legal assistance, i now know its fraudulent. I've attached my information to be resubmitted, please remove this information. I will also attempt to upload these documents directly to them again.
Product: Credit card

My payments are being applied to the balance transfer that has a 0 % interest before putting it to my standard purchases which has a 29.24 % interest. This is causing me to be charged interest. The credit card act states that payments must be applied first to the card balance bearing the highest interest rate. Ive had several credit cards and this has never happened before. I wonder how many customers they are doing this to. This is navyist rewards credit card.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to proper investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently 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, mandates a reasonable investigation of disputes.Furthermore, Equifax 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 proceedings ( File No. 2025-CFPB-0002 ) against them for violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

I live in Florida, and I am currently under garnishment to XXXX. Over 12 years ago, after a spotty payment record, I contacted them to set up a payment plan. They said if I paid {$150.00} a month for one year on time, then my loan would come off my credit report and I would be in good standing. 

However, at the end of the year and XXXX on-time payments, they then said they I had to pay {$400.00} a month! I told them I could not pay that amount, and they said if I did n't, they would garnish my wages. I later found out they were supposed to negotiate an affordable payment in good faith, but they never did. The garnishment was initially 10 % of my salary, which was about {$300.00}, so I figured I would let them garnish my wages & it would get paid off. However, the garnishment was later upped to almost {$400.00} as a new Florida law allowed them to college up to 15 %. I have been paying between $ XXXX {$400.00} a month for over 12 years. 

At the time of the garnishment, I owed {$31000.00}. I have been paying for over 12 years, and now I owe over {$36000.00}. When I contacted them over a year ago to find out my balance, they wanted to to verify various phone numbers and addresses that I may have had for over 10 years. Some of them I did n't not recognize, but may have been addresses for my husband. We are still legally married but have n't been together for over 13 years so I do n't know all of his former addresses and phone number. Because I could n't verify every single one, they would not let me do an address change or send me a statement to see what I had paid. They said they were being nice by letting me know my balance over the phone - {$31000.00}, which is exactly what it was when they started garnishing my wages! They also offered to make me another loan! I asked them why would they make another loan if they have to garnish the one I already have? 

The sad thing is that, if my loan had been rehabbed, in 1 more year I would be eligible for loan forgiveness for working for XXXX. Right now I am eligible for nothing & there is no end in sight. I talked to a clerk at an attorney 's office who had sent a bulk email about my servicer, XXXX XXXX XXXX, doing robo-calls. She said they can keep garnishing your wages, and she had a sister who tried to pay off her garnishment but was refused. They make more money charging you monthly, and she said she will probably be paying this the rest of her life. 

I do n't know what else to do. Do I have to keep paying this amount for the rest of my life?
Product: Credit reporting, credit repair services, or other personal consumer reports

I called them and they said they cant do anything about it and I have to continue to wait until they feel like removing it from my report. Its already been eight years so Im not sure how much longer itll take for it to be removed. It is now showing as derogatory on my report and it needs to be removed immediately. This account is closed and was paid in full I dont owe anything to them.
Product: Debt collection

At XXXX XXXX - I spoke with XXXX XXXX who is telling me that I must submit a Postponement tomorrow morning with a gift letter and bank statement. Even though I am willing to pay off their alleged loan, I was told regardless of my efforts to pay off tomorrow that they may go forward with the sale which is a bunch of bull. I have confirmed in the first place the XXXX XXXX XXXX credits were accessed through my assigned US Treasury Direct Acct. For these people to tell me that it may be too late for a postponement as they place to illegally seize my home tomorrow. I do not owe these people. XXXX asked me to provide my personal bank statements and this can not happen. I was a victim of Identity Theft - XXXX Employee in XX/XX/XXXX. I am willing to payoff the amount issuing my acct. # and routing # and XXXX is refusing. 2nd Item - I want to report Bankruptcy antics in courtroom XXXX - XXXX XXXX - It appears XXXX XXXX attorney went to XXXX XXXX 's courtroom on XX/XX/XXXX to get a Lift of Stay against the Registered Entity - regardless of fact # 1 I revoked any and all power of attorney as the Live - woman back on the land. Note : this BK case has been closed for over 3 yrs - all debt for the Registered Entity discharged as UNSEURED DEBT. I realized that going to the BK court was a error. The XXXX XXXX XXXX was paid off as shown by XXXX XXXX. I was never served any notice of this XX/XX/XXXX hearing and Wells Fargo had my address - So I had no way to put on record illegal seizure of home or fact it is not a loan but copy right business processes. The Will Be Debt Opinion letter is FRAUD - as there is no loan. Please refer to the XXXX XXXX Security Agreement - very important to see the complicated undisclosed real transaction of sneaky licensing agreement of our identity. XXXX XXXX assists with these crimes TAX SHELTERS in my name -- -- hoping that I will not catch on to there scheme. These behaviors need to stop - the people harmed have lives too and we were not placed on this earth to serve for the legal profession pleasure and benefit as reflected in the XXXX, XXXX, XXXX XXXX. These people seem to forget that it was I who authorized the initial credits and I can at any time terminate their fake POA status with their fake loan #. I am in process of getting the lien released at Federal Level.
Product: Mortgage

Closed VA refinance on XX/XX/XXXX and still have n't received my escrow refund. Spoken with Title Company six times and emailed them once ; each time they have advised me that it was issued XX/XX/XXXX, and that I should continue waiting for the check. It is going on three weeks since the check was supposedly issued. They have also informed me that if I want them to send me the check, there will be a 30-day hold period on my funds so they can confirm someone else does n't cash the check during said time. Simply stated, I want the money they owe me and not another 30-45 days waiting on something they were ill-equipped to perform. XXXX XXXX XXXX XXXX ' XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Customer Service : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this month, I was pre-approved for a mortgage loan. As part of the application, the mortgage broker sent me a summary of my credit scores from the  XXXX  credit-reporting companies that included factors adversely affecting the scores.  One of those factors was too many credit inquiries during the previous year. The only inquiries that I remember authorizing are by my bank for a mortgage pre-approval in 2016 and the most recent one by the mortgage broker. I was concerned, so I requested m y credit reports from the  XXXX  credit-reporting companies and learned that there have been multiple inquires by credit card companies and insurers, which I presume are used to market products to me. I never authorized these inquiries, and even thought I have a relatively high score, it seems unfair that inquiries by companies should adversely affect m y credit score.
Product: Credit card or prepaid card

They keep signing me out of my account and when they answer you its case closed you have no power Im going to send all your useless answers to every senator and congress man and women I think you serve no purpose I have seen.no one you have ever helped but yourself Im going to sign the petition that all you do is waste government money I hope to XXXX  useless XXXX  lose your jobs there is no need for bums like you
Product: Debt collection

I have personally contacted Wilber and Associates and can confirm that the law firm that was previously representing me contacted them to dispute the validity of this supposed debt. Wilver & Associates are ATTEMPTING TO COLLECT ON AN INVALID DEBT ON BEHALF OF XXXX XXXX. XXXX XXXX has provided them with invalid yet critical information regarding a loss to include the incorrect vehicle owner 's name, address, and insurance policy details, all of which were obtained by the police officer who responded to the accident and thereafter shared with both drivers. 

I have taken time to bring this to their attention on multiple occasions, most recently today, and insist that they do their part to remedy this immediately as they have no legal grounds to pursue collection efforts. I was hit by Wilber & Associates 's client 's insured who at this time has been found to be at least 80 % liable. I continue to dispute all liability and am prepared to retain an attorney as this claim progresses to mediation. 

The company has been advised of the vehicle owner 's correct name and insurance policy information. How they can engage in collection efforts without first validating the details of said debt is unconscionable and irresponsible. I feel XXXX XXXX is also at fault for contracting with this third party debt collector and provide misinformation.
Product: Credit reporting or other personal consumer reports

My account with XXXXDEPT OF ED was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXDEPT OF ED Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports