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

submit dispute about correcting name and current address on XX/XX/20 delivered by certified mail delivered on XX/XX/20. Received report back with deleted addresses, until this day addresses that are not deliverable to me by U.S.P.S. are still on my profile. 

Sent a dispute letter on XX/XX/20 received certified mail on XX/XX/20 and still have not heard back from Equifax. And XX/XX/20. 

XXXX, XXXX XXXX was sent the same information on XX/XX/20, XX/XX/20 as well. 

Addresses were still being put on my credit report that was not mine even after I told them I never stayed at the addresses. I was also unable to verify my identity on the phone due to the wrong information in my credit profile.
Product: Student loan

I initially began my student loan repayment with XXXX utilizing their direct payment option. My loans were transferred to FedLoan in XXXX. I contacted Fedloan in XXXX of XXXX to request a recount of my eligible loans. No updates were given and no changes were made to my account. I again contacted Fedloan in XXXX of XXXX, no updates were given and no changes were made. I called Fedloan in XX/XX/XXXX and was told there was no person I could speak with as this is a separate department, and that I would need to wait upwards of a year and that I will be contacted when the review is complete. I was never contacted, so I submitted a complaint to the ombudsman in XXXX of XXXX. This issue remains unresolved. 

Per The Ombudsman I have a review open for the payment periods of XX/XX/XXXX to XX/XX/XXXX. As part of direct payment plan with XXXX ( as this supporting documentation will show ), I completed payments in the amount due, on time, in full from XX/XX/XXXX until XX/XX/XXXX when my loans were moved to Fedloan. From that point forward I have paid my loans with direct payment plan from Fedloan in the amount due, on time, and in full until the administrative forbearance imposed by the federal government due to COVID.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received a determination of dispute. It was a violation. On XX/XX/XXXX I inquired on the XXXX website and found the information was still being reported. I am Reporting a violation on my behalf of all reporting agencies on the XXXX website. Including XXXXXXXX XXXXXXXX and all others listed on XXXX  reporting. 
I am Stating 15 USC 1681b PERMISSIBLE PURPOSE. I have previously tried to resolve the fraudulent identity theft with all the reporting agencies and listed merchant ( s ) This is a final attempt to resolve. I would like this matter resolved permanently and immediatel. ***I COULD NOT UPLOAD DOCUMENTATION FILES TO BUTTON BELOW
Product: Credit reporting or other personal consumer reports

Numerous companies have reported credit inquires to XXXX, XXXX and XXXX. These inquiries were NOT authorized by me nor am I aware of who that are. The names of the companies on my Credit Report are : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Factual Data None of the Credit Agencies will help me without CFPB or FTC assistance. Thank you
Product: Credit reporting or other personal consumer reports

My wife and I recently relocated from XXXX XXXX XXXX. The first indication of a problem was when trying to establish an account for internet service with XXXX XXXX XXXX. They said there was something wrong with how my name appears on a credit report. Since we just secured a mortgage and other utility accounts in my name with no issue, we assumed XXXX XXXX XXXX was mistaken and set up the account in my wife 's name. When I received a call back from XXXX for our electric service to verify information I knew something must be off. I accessed my Equifax account online and updated some address information. The only way their website provides to update an address is to dispute what is reporting as the current address. I disputed and it was processed, but this erased my address where I owned a home for 14 years @ XXXX XXXX XXXX XXXX, XXXX, Oh XXXX. I called Equifax to discuss and try to find a resolution and this is when I discovered they have my first name spelled incorrectly as XXXX '' instead of 'XXXX ' XXXX The representative I spoke with, XXXX, kept blaming this on my " lender '', but would not provide the name of a lender who's fault this allegedly was. I pointed out that XXXX and XXXX have my name spelled correctly. After much back and forth and frustration, XXXX stated she had corrected this issue and to check my report again in an hour. XXXX provided a reference number XXXX. I believe this interaction took place on XXXX. 
Today, XXXX, I logged into Equifax and pulled another report which still shows my name spelled incorrectly as " XXXX '' instead of " XXXX ''. I called and spoke with 'XXXX  XXXX who again blames this on my " lender '' but will not tell me the name of the lender providing this information. XXXX now wants me to physically mail copes of my driver license and social security card to Equifax. As a long time victim of identity theft, I'm not comfortable sending these items in the mail and frankly, shouldn't have to. As a large organization responsible for handling hundreds of millions of American 's personal identifiable information, there has to be a more secure and accurate way of them verifying and correct their mistake. Clearly Equifax has outsourced their customer service somewhere outside the U.S. and dealing with whomever just reads a script in their call centers is infuriating.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, TransUnion did knowingly and unlawfully permit a negative item resulting from civil-rights violations to remain on my creditreport. Although my XX/XX/2022 complaint two-day investigation into and the process to disclose a complete factual background into the illegitimacy of the debt were too short to fully account for the creditor 's offenses, TransUnion rejected the notion that crime does not pay. Having previously seen XXXX validate similar misconduct -- keeping fraudulent items on my creditreport, as if accuracy could ever legalize a debt generated by a creditor 's wrongdoings -- TransUnion mistakes accuracy for legality, making the creditreporting agency complicit in the financial terrorism arising from violation of New Hampshire and federal law. That the debt could have been generated, in the firstplace, places XXXX XXXX XXXX  University at-fault for the debt. New Hampshire is negligent in the performance of its duties to its masters, the People of the State of New Hampshire.
Product: Credit card or prepaid card

Billing Error according to the Fair Credit Billing Act ( FCBA ) Charges for goods and services you didnt accept or that werent delivered as agreed. 
In my case, XXXX, did not provide the services that were stated in the contract between XXXX and my company. 


I utilized Citibanks online dispute process on XX/XX/2019. According to the Fair Credit Billing Act ( FCBA ) the creditor must acknowledge my complaint, in writing, within 30 days after receiving it ( the dispute ), unless the problem has been resolved. Citibank acknowledged in an email, on XX/XX/2019, which was 31 days later. 

According to Fair Credit Billing Act ( FCBA ), the creditor, Citibank must resolve the dispute within two billing cycles ( but not more than 90 days ) after getting my dispute letter. 90 days from XX/XX/2019 was XX/XX/2019. Citibank told me, they mailed the merchant, XXXX on XX/XX/2019, 38 days passed their 90 days of resolving this dispute. 

XX/XX/2019 is the date XXXX charged me, {$15000.00} for services for a retainer. Services that were stated in a contract and never received. I paid the full {$15000.00} charge on, therefore there were no finance charges. 

According to the Fair Credit Billing Act ( FCBA ), the creditor, Citibank may not take any legal or other action to collect the disputed amount and related charges during the investigation. Citibank did credit the {$15000.00} to me on XX/XX/2019, but then reversed the credit on XX/XX/2019, while the investigation was still going. Through many emails between me and Citibank, Citibank credited me the {$15000.00} on XX/XX/2019, but then reversed the {$15000.00} on XX/XX/2019. The investigation was still on going, but Citibank held on to the {$15000.00} while they were investigating. 

According to the Fair Credit Billing Act ( FCBA ), if the creditor, Citibank investigation determines the bill is correct, you must be told promptly and in writing how much you owe and why. This never happened. 

According to the Fair Credit Billing Act ( FCBA ) and creditor, Citibank who fails to follow the settlement procedure may not collect the amount in dispute. Citibank, as I stated above did hold on to the {$15000.00} while they were investigating.

Since Citibank has not followed Billing Error according to the Fair Credit Billing Act ( FCBA ) I would like Citibank to reimburse me the {$15000.00} that should have been refunded to me. Citibank, never closed this investigation as far as I know, they just erased it from the records.
Product: Mortgage

XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX ( XXXX ) working with HSBC Bank is assisting XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX in committing mortgage fraud. They are stating that the home is their primary residence but they have been leasing the home since 2018. I have reported them to other agencies as well. I tried contacting HSBC themselves but they stated that I need to contact the federal authorities.
Product: Checking or savings account

On XXXX XXXX,2018 I was doing my taxes when I noticed an Altered check on my Bank Statement. That very day I went to my local ChaseBank and submitted paperwork regarding the check/incident. That very day I also went to the XXXX County NY XXXX Precinct Police Station and filed a police report # XXXX. 

I followed up with Chase over the phone and multiple times I faxed them affidavits in that they required and multiple times they lost the paperwork. Finally my signature went through after months of following up. I did not receive any written notice/acknowledgement of any kind. They said my claim would be determined 90 days after the affidavit. Because they didn't acknowledge receipt of my first fax that decision date became XXXX as the 90 day mark. Again no letter or correspondence. I finally get their claims department on the phone they tell me there is no claim on my file. I insisted there is and now they say my CLAIM IS DENIED. it is denied because of my time frame. they said I only had 14 days to make a claim from the day the money was withdrawn because it is a business account. they told me its federal law and has nothing to do with Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Date : XX/XX/year> To : Credit Reporting Agency Subject : Request for Removal of Unveriable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, XXXX, or XXXX ]. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-o for {$0.00} from XXXX XXXX XXXX XXXXXXXX, listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unveriable debt from my report as of XX/XX/year>. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and veriable. Since XXXX has removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report.

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit XXXX. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unveriable, I urge you to align its records accordingly. 
Please provide conrmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including XXXX a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

My XXXX XXXX XXXX  was stolen. I went to XXXXXXXX XXXX XXXX to find out if there were any tickets etc., issued to under my name and found two cases that I had no idea existed. I filed for appearance to have them removed. The XXXX of XXXX I called the number listed to find out who they were but my S.S number did match and they would not discuss the case # XXXX. On the XXXX of XX/XX/XXXX, I learned from XXXX XXXX XXXXAsset Acceptance LLC. I was informed that my taxes were garnished twice. In XXXX for {$900.00}, and in XXXX for {$1000.00}. That I have no record of nor did I know I was garnished. I was then informed that there is still an outstanding balance of {$4300.00}. I have had credit disputes in the past because there was another XXXX XXXX on the same street. Companies confused the two of in the past, such as car repo companies, XXXX XXXX XXXX etc.,. However this debt does not belong to me. I contacted the Asset Acceptance/ Midland Credit Management , Inc. but no one can tell me details, application, items purchased, type of account, Proof of Service etc. I have sent certified letters but they only send the same information I already received from 36th District Court. I would like this debt removed and my money returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an inquiry with Citibank NA for some time, and they have come back stating that it is accurate, yet no fprm with my signature or open account was provided.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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 to be removed/updated. 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. 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!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was promised by several representatives from Ally Financial Auto Loan Department that they were able to remove late payments from Ally Financial. It never occurred and I've also sent goodwill letters hoping they would follow through. Again, nothing ever happened. My payments have been current for the past nine months. One of the representative that I spoke to name is XXXX on XX/XX/2018, reference # : XXXX.
Product: Credit reporting or other personal consumer reports

JP Morgan Chase entered into a consumer agreement with me and did not inform me of my right to rescind, or my right to opt out and did in fact reported to a third party non affiliate. Their terms and condition say they do not provide my information to third party non-affiliates. they violated their own terms and condition when they shared my information with the credit reporting agencies ( XXXX, XXXX, XXXX  ). Additionally, they provided no opt out notice as per 12 CFR 332.9. This action violates : The Privacy Act of 1974 16 CFR 313 and all applicable subsections 15 USC 6802 15 USC 6803 15 USC 6804 15 USC 6805 16 CFR 433 Violations occurred in the year XXXX for the month of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX Violations occurred in the year XXXX  for the month of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  by XXXX  have broken some Laws! 

They have a history of mislead sales practices. They just concluded a class action lawsuit of which they were sued for the same thing that happened to me. I was mislead about membership, points, bonuses, etc about this timeshare. I contacted owner support services and they did nothing about it. I have reported you all to the XXXX, and you all have many complaints from hundreds of timeshare owners. XXXX  : XXXX XXXX law you all broke is : Sum of all charges USC 1605 . The sum of all charges are supposed to include the finance charge, insurance, as well as the warranties. I had to pay extra for all of these..None of these were included in this agreement I signed. I, as the consumer am entitled to receive cash in hand since the timeshare was already legally paid for. Since I never received any transaction from XXXX  by XXXX, this contract legally has to be terminated and all the money I spent needs to be refunded back to me plus the finance charge. 

XXXX law : By the provisions of the Fair Credit Reporting Act, any late payments can not be accessed to me or my fiance.. You all charged her and me a late payment, which is a violation of Us code 1666a. 
15 U.S. Code 1681a states transactions can't be included so it will be a violation if a late payment hits my credit report ( which it did ) .Per law, a creditor can not under law report LATE PAYMENTS TO THE CREDIT BUREAUS. Timeshares expect consumers to follow the law or we get persecuted, the same goes for this business! 

XXXX. Per Us Law according to 15 us 1692c. We did not give permission for XXXX  by XXXX and the finance company ( XXXX XXXX  ) to harass me and my fiance and threaten us everyday all day. We were getting harassed early in the morning and late at night which is ILLEGAL. We were stressed out, afraid and were very emotionally distressed of these calls! XXXX is not allowed to send cards or threatening letters to us. Per us 1635, I have a right to rescind!!!! 

XXXX. Me and my fiance experienced discrimination from XXXX by XXXX. Every price by law has to be exactly the same. Someone could have paid less for this timeshare than me and my fiance would have paid. We were unfairly discriminated against by your reps!!! This is a title violation per 15 Us 13!!!

I have attached some paperwork that I advise you to view very carefully. A rep for me has sent the cease and desist form for you all, a dispute letter as well as stopping payments. I have more paperwork to send. The images are a little dark but I made sure you all can view them and I have a notarary signature
Product: Mortgage

Ocean is currently servicing my loan ; I have had a loan with them since 2009. I had a substantial hardship, I fell behind on my mortgage payments. I visited the website and saw that they offered assistance or loan modifications. I have been completely unable to get in touch with Ocwen. I have called and sent countless certified letters which goes unanswered. When I call each representative tells me something different. I have sent the Request for Loan Modification which also went unanswered. I am currently working and my financial hardship is corrected. I believe I can afford my home and I do not want to lose it. I have heard of the mortgage settlement in the news however I have not heard anything regarding my loan. I am desperately trying to keep my home for me and my children and I do not want to foreclose. I want to resume making payments and coming up with a modification for the arrears. Please please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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.
Product: Student loan

We 've had this loan for a while now and in it 's simplest terms the amount applied to the principal versus the amount to interest is silly. Out of XXXX applied in may 2016 applied to interest is XXXX and XXXX applied to principal and it 's been this way for the entire loan process and we are having a difficult time repaying the loan back at that mthly amount. We tried to get it lowered they say we make too much money which is a silly comment at best. This whole loan with Nelnet seems like it should be illegal.