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

I have been having issues with my personal information of my credit report not being accurate. The following addresses on my report are not mines. My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. 
Please remove the following addresses : XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX My current employer is : XXXX XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX, Please remove any variations IMMEDIATELY. They are not accurate.
Product: Credit reporting or other personal consumer reports

As per FCRA laws a credit reporting agency must report accurate and validated information. Transunion and XXXX have not done so, I have provided a copy of my title and the notarized payoff letter from XXXX XXXX proving that it is not only impossible to have this account charged off, but that even according to XXXX themselves, the account has never been late and overnight went into charge off after it had been paid off for 6 months prior. This is destroying my credit, and I have gotten nowhere with 2 of the 3 credit bureaus.
Product: Credit card

Received two debits that I did not authorize on my business card checking account totaling {$7000.00}. Call Goldman Sachss and was told they could not help me and to open a complaint with FTC
Product: Student loan

My daughter has XXXX student loans from Wells Fargo Education Financial Services in the amount of {$63000.00}. from her XXXX education. She spent three years getting her XXXX XXXX XXXX degree from XXXX University on full scholarship and graduated in XXXX XXXX. She is working and ready to start repaying the loans, however the payments are too high for the salary she makes. We have always planned to pay off the loans when she graduated with the equity in our real estate, which is currently on the market. I have requested Wells Fargo reduce the interest and extend the terms of the loan to a payment that she can effort until our real estate is sold. Wells Fargo reduced the interest less than 1 % and will not extend the terms that would reduce the payment. The first payment is due on XXXX XXXX, XXXX and if Wells Fargo will not extend the terms until the sale of our home is complete, she will not be able to make the first payment close to {$600.00}. Based on the salary she makes, the numbers just do n't work. I will attach the details in an attached letter sent to Wells Fargo Executive Customer Service Committee, but would appreciate any help the Consumer Financial Protection Bureau can provide my family. Thanks in advance for your consideration in this matter and I look forward to hearing from you soon. I really need your help!
Product: Debt collection

The exact date I can't remember but I believe it was around XXXX with the amount of $ XXXXThis is the second time it has happened with XXXX XXXX XXXX First time I disputed the case and won. My rent was paid in full and she was claiming it wasn't. Same thing that's happening again but part of the XXXX is her saying she had to shampoo the carpet which is further than the truth.So I disputed it twice this recent time yet to no prevail and she still claims that I owe rent and shampooing services. 
Apparently I am not the only one she does this to either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late on the paid off account listed above. Please show me documentation showing proof of transaction, showing I was ever late to support your inaccurate reporting on my account.
Product: Debt collection

I never had a contractual relationship with Portfolio RC. I believe the original creditor, XXXX XXXX, sold my account without providing proper notification. This is a clear violation of FCRA 611 regarding the reporting of inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX with complete attachments of my personal information as well as the ID THEFT REPORT I ereceived from the FTC requesting that the Credit Bureaus remove fraudulkent information from my Credit file that are UNKNOWN to me. According to the FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX, XXXXIve already included this in my previous Complaints & I am including it again. I have read enough to understand my rights which is clearly being violatedby the Credit Burueas by contunuing to report the disputed items whitout proper verification. I need the disputed items removed completely from my Credit 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
Product: Debt collection

HELLO, I SUBMITTED A DISPUTE REGARDING A DOCTOR BILL THAT WA PAID XXXX XXXX MULTIPLE TIMES TO TransUnion LLC Consumer Dispute Center AND THEY HAVE NOT RESPONDED NOT REMOVED THI BILL FROM MY CREDIT REPORT. I'VE ALSO SPOKEN TO MULTIPLE PEOPLE AT THE DOCTOR OFFICE AND THEY WERE SUPPOSE TO REMOVE these NEGATIVE ITEMS AND TO THIS DAY STILL HAS NOT DONE SO THE HOSPITAL REPORTING THESE ITEMS ARE FROM XXXX XXXX XXXX COUNTY BA
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the company with screen shots of my credit report showing the loan still showing open on my XXXX Credit Report. I gave them the loan amount the date I took the loan out the date I paid it off and my information. 

I received an email back telling me the credit bureaus were sent the information of paid as of XXXX. I wrote back and let them know that is incorrect and again sent them screen shots. 

I then received an email back stating I need to send an email with my information and my loan information and request my credit report to be updated. I wrote them back to let them know that is already what I did and it is in the chain of emails already sent. Then I advised them I was going to file a cfpb complaint.
Product: Credit card

On XX/XX/XXXX, I used my Comenity BankXXXX credit card ending in XXXX to buy a camera product from a merchant XXXX XXXX XXXX. The purchase amount on this credit card was for {$3600.00}. I disputed this transaction as i paid by other means. I was instructed by the merchant that this payment would be voided and that a credit would be issued. As i never received this credit i then initiated a credit card dispute with comenity. I provided Comenity with this refund confirmation email, along with a copy of the updated receipt showing later payment for the full amount of {$3600.00} with my other banks debit card. I also provided comenity with a copy of my banking statement showing that I paid for this purchase by other means. I was eventually given a temporary credit by Comenity for the full amount, only for it to re-billed to me months later on XX/XX/XXXX. Due to lack of communication i assumed this was a fraudulent transaction. I even had a replacement credit card mailed out to me ( Comenity card ending in XXXX ). I had to call Comenity to understand what was going on. I received notification that the merchant was simply stating that my documentation was altered. I was given no opportunity to provide a rebuttal. All the merchant had to do was make an egregious claim and that was it. I was rebilled for this amount with no opportunity to challenge it and the merchant gets to keep my money due to Comenitys negligence. When i called the customer service department about this claim on XX/XX/XXXX i was met with an extremely condescending, discriminatory and rude employee who decided to argue with me about being unable to assist me.
Product: Mortgage

In XX/XX/XXXX, Fifth Third Bank took over servicing of our mortgage loan for a property located in XXXX XXXX XXXX, XXXX. Fifth Third Bank contacted us for insurance information. We informed Fifth Third Bank that because we had just refinanced the mortgage within the year and insurance was validated in the mortgage process, the information was already in our file. We also warned Fifth Third Bank to not force-place insurance for the reason that the insurance was in force and was already in the servicing file. If in the transfer of servicing Fifth Third Bank 's file was incomplete, that is not our ( the consumer 's ) problem. Three separate telephone calls were made to Fifth Third Bank regarding the insurance. Today,XX/XX/XXXX, we received a letter dated XX/XX/XXXX stating insurance was force-placed on our property in the total amount of {$1600.00}. Today we called Fifth Third Bank stating for the FOURTH time that we already have insurance and that the insurance information is already in the servicing file. We notified the person on the telephone that we are prepared to sue and that we will be filing a formal complaint. This is that complaint, along with one we will file with the OCC. We will NOT pay the force-placed insurance. The failure to transfer servicing information is not our problem and should not be our inconvenience. Both of us ( owners ) are bankers by trade and one of us owns a mortgage company. We are well-aware that this is a servicing matter. The information on the XX/XX/XXXX notice is as follows : Fifth Third Bank, its successors and/or assigns, XXXX, XXXX XXXX  XXXX, XXXX, MN XXXX ; Account for XXXX XXXX XXXX, Account XXXX for property located at XXXX XXXX XXXX [ spelling corrected ], Unit XXXX, XXXX XXXX XXXX , SC XXXX. We contacted Fifth Third at approx. XXXX XXXX eastern time for the fourth contact today, XX/XX/XXXX. We supplied the insurance information today, despite the fact they already have the information in the loan file that is under one year old only because this is the FOURTH contact. This is their problem, not ours, but they made it our problem because they are lazy and/or inept.
Product: Credit card or prepaid card

Complaint against Home Depot Credit Services XXXX XXXX XXXX XXXX AZ XXXX Re : Deceptive practices with account XXXX XXXX XXXX XXXX and unjust {$27.00} in fees and " minimal interest '' I recently was offered to open a Home Depot credit card, which was suggested to me by the store associate on location, which she described as " no interest '' for 6 months card. I agreed to open. I finally received my credit card opened by Home Depot associate on location at the store on XXXX XXXX, XXXX IL ; and discovered that I was misled on terms of this agreement and unfairly billed later fees {$25.00} plus additional {$2.00} charge. in the total amount of {$27.00} When I planned to make a purchase of some flowers at Home Depot, their Associate told me that if I open a card it will be interest-free for 6 months. However, she failed to inform that this purchased must be over {$290.00}, I later learned learned from the card. My purchase of flowers was much less ; and the associate knew it when she told me that it will be interest-free for 6 months. I relied on her words. The Associate took my personal information and placed on the system, but she forgot to put my unit number in the application. As the result, the actual card was never mailed to me. I went to Home Depot on XXXX XXXX and informed customer service that I did not received my card. They called to the credit card service line where I spoke with a representative who informed me that the card was returned back to them due to incorrect mailing address. She promised to re-send me the card. Yesterday I received the card which has {$27.00} in fees, but the interest on first page stated {$0.00}. The second page stated that I was charged {$25.00} in late fees ( which was caused not by me but by Home Depot untimely mailing me the statement ) ; plus {$2.00} in minimum interest charged. Overall interest again stated {$0.00}. I consider Home Depot practices as unfair and deceptive from the beginning and requested to close this account. I dont know that this minimum interest means ; and how much in hidden fees and charges Home Depot will bill me in future, so I decided to stop this deceptive practice at the beginning and not continue my business with their credit card services. I mailed them my payment {$69.00}, whihc covers the entire balance in full ; and demanded to remove unlawful and unfair {$27.00} fees and minimum interest I am submitting this Complaint with Consumer Financial Protection Bureau and demand investigation into this matter to protect other customers from Home Depot deceptive credit card services. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX is reporting incorrect information to my credit report. 
- Last Reported dates are different on report -Comments are not complete -Date last active are different -Two year payment history are incomplete
Product: Credit reporting or other personal consumer reports

Its been over 7 years and they wont remove the bankruptcy of my credit report. I know others that had theirs removed in 7 years even tho they not the same XXXX. I feel XXXX plays a role in this as well!!!
Product: Credit reporting or other personal consumer reports

I have contacted all three credit bureaus regarding these XXXX fraudulent account, ( XXXX XXXX XXXX and XXXX XXXX ) and I have not yet to receive an response from any of the credit bureaus of the status of their investigation or results.
Product: Credit reporting or other personal consumer reports

On XX/XX/24 at XXXXXXXX XXXX Experian recieved a certified and notarized dispute letter at their reception desk from myself disputing several items for violation of 15 U.S. Code 1681 e ( b ) with absolute details of contradicting and inaccurate information on such accounts. On XX/XX/24 I received an email stating " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with Experian for free. '' On XX/XX/24 I contacted Experian via phone and requested a supervisor call back. On XX/XX/24 at XXXXXXXX XXXX  I received a phone call from an Experian Supervisor stating that a notarized document is not a proper form of identification or authorization for dispute on my behalf and that their policy dictates proper identification methods, not the law. The supervisor then stated rudely that I needed to resubmit the dispute either on their website or with their requested forms of identification. On XX/XX/24 I received another email on the same issue stating " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with Experian for free. ". Under Illinois Law ( 5 ILCS 312/ ) Illinois Notary Public Act the verification of my identity was confirmed and verified under a " Notarial Act '' as authorized by a State of Illinois Notary Public .
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with this company  XXXX  years ago but everything was returned. Now the company is reporting I owe them to Experian. It 's under an incorrect address, the account is listed as closed and charged off but they keep changing the balance. I 've contacted them via certified mail in  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX   XXXX , and  XXXX   XXXX   XXXX . They failed to mark the account disputed which is a violation of law they also keep dtatint account verified however when asled to produce the validation information or signature binding me to the contract they do not or they do n't respond. I 've been keeping careful documentation of my communication with them. The account started off at {$2400.00} now it 's {$3000.00} and stated the account has a credit limit and it 's closed and charged off. I 've now sent certified letters to Experian as well and they are saying it 's validated but are refusing to send me proof or contact information for the creditor and has not removed it or marked it disputed. This account is incorrect, not following metro  XXXX  compliance, unverifiable and unfair reporting.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience. Where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any item that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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
Product: Credit reporting or other personal consumer reports

I am a victim of identify theft, and XXXXexperian are the cause of the identify theft. XXXX and experian has granted access to my credit report. Soft inquiries tie them to the idenity theft, I did not give them my permissible purpose to report the idenity theft related collections on my account. Please help CFPB, I just turned XXXX and experiencing idenity theft has severely changed my life negatively. I dont wish this on my worst XXXX, I hope you guys dont ever have to experience this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a request to the three credit bureaus, asking them to investigate three errors on my credit report. XXXX had no problem completing this task, as I got my response back from them within a couple of weeks. For whatever reason, I still have NOT gotten my responses back from XXXX and Trans Union, and its been well over 30 days.
Product: Credit reporting or other personal consumer reports

RE : XXXX XXXX XXXX To whom it XXXX concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. 

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey I have been a Victim of Identity theft to where someone at my old address got a hold of a pre approval letter and somehow my ssn and tried to apply for a credit card. I opt out but the bureaus wont delete this obsolete information from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported to TransUnion that I owed a XXXX XXXX bill on XX/XX/XXXX. I have called XXXX and disputed the charge 4 times. I have a letter from XXXX XXXX saying that I have {$0.00} balance. I called and talked to transunion again today which is XX/XX/XXXX. And I have asked if they have done an investigation and the said they called and verified with XXXX XXXX that my name address and SSN was correct and the amount owed. 

I asked if they have contacted XXXX XXXX to verify that was correct. They told me that they can not contact XXXX XXXX, I was on the phone to her for about 45 minutes asking her why they refuse to verify the information and they keep telling me they already did 2 times and that the info came back correct. I gave them the name and contact info for the guy that I talked to at XXXX XXXX and she refused to contact and verify that the info was correct because XXXX XXXX is not the one that reported it she said. I told her then she didn't do a full investigation then if she didn't verify where the info came from. I asked to speak with her manager and she said that she was only that i could talk to about this problem. I asked several times and she refused to let me speak with her manager and i asked for her name and then somehow we got disconnected. 

When i was speaking with her on the phone I asked how can they tell this info is correct, she kept telling me they did a investigation. If you dont check with the source you can not be sure the info is correct? How do they know it was really my account? Anyone can open up an account in someone else name and not pay the bill, and then it will go to collections, they took no steps to verify this was my account. They also refused to contact XXXX to verify the info that was coming from XXXX was correct. 

All i want is collections to be removed from my account and there be no record of it on my account at all. I have been fighting with Transunion for months to get this taken off and they refuse to remove something on my account that they refuse to verify from the source.