23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Ten years ago I was given a line if credit from XXXX. During phone application process I was told that I can pay extra to have a protection in case I lose employment. So I signed up and was paying for that. After I lost my job I submitted for that protection. They never responded until years later they started garnishing my wages without any notification. They took money for over a year. After that employment ended I did not hear from them. When u obtained employment last year I called them right away. They refuses to speak to me or work with me. I attempted several times. Then they started garnishing my wages again and claiming same amount after they already garnishes couple of thousand few years back. They did not honor protection I was paying for nor did they want to work with me. thank you for any advice.
Product: Mortgage

we refinanced a mortgage with Third Federal in 2009. All payments made in full, never later up until we paid off early on XXXX XXXX. We were told to expect escrow refund approx. 
{$1600.00} with XXXX to 10 days before end of month. Have been calling since XXXX and were told stop pay would be issued and new check sent because we only received statement showing XXXX XXXX but no check. Have made over dozen calls, on hold for hours but no one will confirm that " lost check '' has been reissued. Can not fathom how a statement can be sent stating account is CLOSEDOUT if refund has not been issued. They keep putting me on hold to confer with " other depts. '' I am doubtful that any check was ever even issued for this refund and do not understand why this was not handled when loan was paid off in full on XXXX XXXX.
Product: Checking or savings account

I filed a dispute with Chime on XX/XX/2023 regarding an unauthorized transaction. Chime responded on the same day, stating that no error occurred. The institution completed their investigation and did not take a full 24 hours to address my concerns and accommodate me regarding this unauthorized transaction.
Product: Credit reporting or other personal consumer reports

I have disputed an incorrect bankruptcy record with LexisNexis. Following their investigation, LexisNexis confirmed that the record was deleted from their system and assured me that they would inform all credit bureaus to update their records accordingly. However, I have contacted XXXX and XXXX, who are currently still incorrectly reporting this bankruptcy. Both bureaus returned results stating that this bankruptcy has been verified by LexisNexis. 

I am hereby requesting that LexisNexis reach out to XXXX and XXXX to ensure that this bankruptcy record is deleted as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice that Debt Rec Sol for {$1300.00} opened on XX/XX/2018 and reported on XX/XX/2018. I have not opened any accounts for this amount and have no record of this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( 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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( 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 in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX. This complaint has been filed to request pursuant to FCRA ~605B ( 15 U.S.C. ~ 1681c-2 ) that you, the Experian credit reporting agency block information appearing on my credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. this fraudulent, inaccurate and false information consist of a credit card opened at XXXX : XX/XX/XXXX under the acct # XXXX, a installment loan at XXXX : XX/XX/XXXX under the acct # XXXX, and a installment loan at XXXX : XX/XX/XXXX under the acct # XXXX that are fraudulent. I do not recognize the aforementioned accounts as reported. Once again this account is fraud an I have attached a copy of FTC identity theft criminal complaint # case # a proof from the us federal trade commission that this account on my consumer credit report is a result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to assert my formal dispute concerning the dissemination of inaccurate information to Experian, subsequently appearing on my credit report. The impugned information pertains to an individual bearing the identical name, XXXX XXXX. It is imperative to elucidate that this association does not accurately correspond to my legal identity, and I unequivocally disavow any affiliation with the appellation XXXX XXXX. My disavowal is substantiated through the rigorous verification of my legal identity via official documents, including, but not limited to, my valid driver 's license, unimpeachable birth certificate, and authenticated social security card. These irrefutable documents collectively corroborate my legal nomenclature as not being XXXX XXXX. This egregious inconsistency contravenes the stipulations of the Fair Credit Reporting Act ( FCRA ). 
The erroneous entries subject to this dispute are delineated as follows : Account Name : XXXX XXXX Account Number : XXXX Pursuant to the FCRA, and more specifically 15 U.S. Code 1681e, it is unequivocally enunciated that " no person shall ... furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate '' ( 15 U.S.C. 1681e ( e ) ). It is palpable that the information concomitant to the aforementioned accounts is patently inaccurate and manifestly incongruent with my authentic financial profile. 
I stand prepared and willing to facilitate the prompt resolution of this grievance by providing verification of my identity through a secure and established channel. However, I must emphatically assert my reluctance to disseminate, electronically or otherwise, confidential documents containing my personal identity due to well-founded concerns regarding privacy and information security. This issue carries considerable gravity as it has given rise to an onerous predicament in which my credit report accommodates extraneous entries that hold no nexus with my financial history. This incongruity has precipitated not only severe pecuniary ramifications but has also precipitated impediments in securing approvals for essential financial endeavors, notably my aspiration to procure a residence. 
It is incumbent upon me to accentuate that should the aforesaid discrepancy persist unabated, I shall be compelled to assert my rights as a consumer with resolute determination. I am fully cognizant of the statutory prerogatives that enshrine my entitlement to an accurate and unblemished credit report, and I shall not hesitate to avail myself of the remedies and recourses at my disposal.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 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 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted XXXX and provided to them all of the proof that these accounts are not mine.
Product: Consumer Loan

I had an auto loan that was previously repossessed back in XX/XX/2012. This debt is now past the statute of limitations on debt collection. However, they sold the debt to XXXX XXXX XXXX and both companies are now recently reporting on my credit file with a balance. It is against the law for XXXX companies to collect on the same debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to apply for a mortgage house loan and was denied due to all 11 unauthorized hard inquiries that are on my credit report when it checked 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 7 accounts that were open in my name that I didnt attend college. These are the amounts 1. {$7500.00} 2. {$7100.00} 3. {$6800.00} 4. {$6200.00} 5. XXXX 6. {$3300.00} 7. {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Clarity Services Inc appears on my credit file as a XXXX XXXX XXXX XXXX  in which I did not apply for. I'm not trying to hear the XXXX about XXXX owns or merge or what ever lie Clarity Services is running. Now its XXXX XXXX XXXX all it is a scam by XXXX as well as Clarity Services Inc. I did not apply or request no loan from XXXX XXXX XXXX XXXX. I'm also filing a complaint with the Attorney General. I opt out with XXXX in XXXX XXXX XXXX for no marketing or offers as for my opt out is violated. 
Fraud
Product: Credit card

I purchased some stools online from XXXX using my American Express XXXX XXXX XXXX. My card comes with Return Protection from American Express. When I received the stools, I attempted to assemble them, but I determined that I did not wish to assemble them. I was unable to return them to XXXX due to the weight and the awkwardness of the box. I contacted American Express and filed a claim for Return Protection. I spoke with a representative on the phone and faxed the claim paperwork to American Express. Not only has Amex provided extremely subpar customer service ( multiple emails asking for the same claim documentation and requesting that I call multiple times ), I was then told my claim was denied for the items not being in like new condition. I explained that the items are in like new condition and I can prove it. I was then told to call back AGAIN. It is an endless cycle of poor service to avoid paying any claims. I would like my claim approved. I am willing to mail the stools to American Express for their review. 

Also- when I opened this account I was offered XXXX bonus points if I spent $ 5k in the first 90 days. After I applied, I received another offer for XXXX bonus points, addressed to me. When I asked them to honor this, they refused and told me to cancel my card and reapply. After I receive my bonus points on this card, I will be ending my relationship.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up 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 done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX AV XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$7900.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3000.00}
Product: Debt collection

THIS DEBT IS UNATHURIZED DOES NOT BELONG TO ME, I HAVE REACHED OUT TO THE DEBT PURCHASING COMPANY AND EXPLAINED MUST BE REMOVED
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX person that has a lot of of XXXX problems and I have XXXX and I am on a lot of XXXX XXXX XXXX that has to be monitored through XXXX XXXX. I have been dismissed from doctors offices because I couldn't keep my appointments with these doctors offices because my XXXX prevented me from keeping these appointments because my XXXX was XXXX to where I could not move. I have good days and bad days. I have been told that it is the doctors orders not to take me on as a new patient because I have missed to many appointments. And my health has gotten worse because these facilities not giving me the right kind of medical treatment and care and medications that I need in order to function properly. Instead my insurance company chose to make jokes about my health and welfare and to no avail has tried to help me. XXXX XXXX representives have even hung up the phone in my ear and has made a mockery about my family and health. XX/XX/2018 I have been part of XXXX XXXX. I have had XXXX work done in which XXXX XXXX pulled all of my XXXX out all in one day and I could have bled to death. And this company wanted me to pay the remaining balance of {$310.00} when they went behind my back with out my permission.
Product: Student loan

Navient, student loan servicing wrongfully misused me as a minor applying for federal student loans..
Product: Debt collection

Merchant Credit Guide continues to harrass my family by phone. 
We have asked them to stop but they refuse.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Inaccurate Late Payment Reporting I am filing a formal complaint regarding the failure to correct inaccurate information concerning late payments reported on my credit report for account # XXXX with XXXX. Despite multiple correction requests ( letters dated XX/XX/year> and XX/XX/year> ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Additionally, I am protected under the CARES Act due to the COVID-19 pandemic, which impact

ed my payment ability during the period in question. Nature of the Complaint : FCRA Violations : According to 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The inaccurate reporting of late payments on my account suggests a failure to comply with this requirement. Furthermore, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case.

TILA Violations : The Truth in Lending Act mandates accurate and timely disclosures to consumers. The inaccurate reporting of late payments has negatively impacted my creditworthiness and caused unnecessary harm.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the obligation of creditors to provide timely statements, preventing unfair penalties against consumers.

CARES Act Provisions and COVID-19 Impact : Due to the COVID-19 pandemic, I experienced financial difficulties which impacted my ability to make timely payments. Under the CARES Act, I am eligible for accommodations, and creditors are required to report accounts with accommodations as " current '' if payments were deferred, reduced, or otherwise accommodated during the pandemic period.

Summary of Errors on Account 30-Day Late Payments : Listed as late for XXXX, XXXX and XXXX despite the account being under a CARES Act accommodation. 
60-Day Late Payment : Listed for XXXX, which inaccurately reflects my status under COVID-19 accommodations. 
Account Description and Remarks : Indicate that the account was disputed and resolved by the grantor, yet Experian and XXXX still reflect inaccuracies despite these prior disputes. 
Account Status : Listed as " Open, '' but the CARES Act accommodation should require it to reflect a " Current '' status. 
Requested Resolution : I am requesting that Experian immediately remove the late payment notations from my credit report in compliance with the CARES Act, accurately reflecting my on-time payment history and any COVID-19 accommodations. Additionally, I request written confirmation of this correction. 
If this issue is not resolved promptly, I will pursue further action, including potential legal action and filing additional complaints with relevant agencies. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting

My XXXX is a paid charge-off account. In the state where I live ( Virginia ), the statute of limitations for paid charge-off accounts is 5 years if they can produce my signature on a written contract ; otherwise it is 3 years. That 's in Code of Virginia XXXX ( XXXX ) and ( XXXX ). As the first delinquency occurred on or before XX/XX/XXXX, Experian will be reporting this derogatory information in violation of the law if it persists in reporting this account in XX/XX/XXXX. I am concerned with this because XXXX XXXX is still reporting this item as a charge off when it was paid with XXXX balance and should either be deleted or listed as closed or paid in full. This is affecting my good credit record and continues to affect my credit rating. Any assistance in this matter would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demanded that the following account be removed from my credit report : capital one bank usa account # XXXX
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 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.
Product: Credit reporting or other personal consumer reports

Please remove inquiries off my credit profile from Experian, XXXX XXXX and XXXX immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Also Known As : 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 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

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 an account without my written permission and instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXX XXXX XXXX account for months. XXXX and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year, we entered a forebearance with our mortgage company. However, in XXXX, my loan was transferred to Mr. Cooper ( Nationstar ). My forbearance ended in XXXX and at that time Mr. Cooper only gave me an option to to a loan modification. We paid as required in XXXX, XXXX ands XXXX. However, on XX/XX/XXXX, I noticed my credit score dropped nearly 200 points due to my mortgage company reporting negatively on my account. I have been trying via phone, email and messaging on their website for a resolution and it still has not been corrected. It has been nearly 3 months and my credit score is still extremely low. No one calls me back or gives me an answer every time I contact them.