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

I have continued to try and resolve this matter informally with EQUIFAX for over 2 months. Furthermore, records with CFPB will reflect I still have open complaints with EQUIFAX that are almost 2 months old and without a response from EQUIFAX. I have 1 Inquiry on my EQUIFAX credit report that needs to be removed immediately because the 2 years have expired : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX XXXX AV, XXXX, FL XXXX The other inquiry I have disputed with EQUIFAX for over 3 months and EQUIFAX hasn't even addressed the matter and provided me with an update. The following ENQUIRY is in dispute : XX/XX/XXXX XXXX/XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX EQUIFAX failure to respond and their dereliction of duty to remove the outdated inquiry which is greater than 2 years old is a clear violation of the FCRA. EQUIFAX is knowingly and willingly denying & violating my rights granted to me by the FCRA. KNOWINGLKY
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00}
Product: Checking or savings account

I was contacted by an individual to purchase my vehicle. The person sent a personal check that was held and then released by my financial institution. After this money was released into my account, the funds were then transferred to Capital One to pay off the remainder of the loan. 
Once the loan was marked as paid off, the bank contacted me that the check was fraudulent and that the transaction would not be honored. If Capital One does not stop the payment, I will be sent to collections for the amount of ~ {$17000.00}. XXXX XXXX XXXX informed me that they attempted to stop the transaction but were unable to. Capital One informed me it will take 3-5 business days to stop the transaction and re open the account, so I should not be responsible for the fraudulent check.
Product: Credit reporting or other personal consumer reports

The account appearing on my credit report is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report. I am requesting that the reporting of this information be deleted. The identified transactions are not information related to any transactions by me as the consumer XXXX XXXX XXXX XXXX ACCT NUMBER : XXXX  DATE : XX/XX/2017 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

3 accounts on my credit report that doesn't belong to me. I am respectfully requesting a deletion of these accounts. 

1. XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Wells Fargo Credit Card, they charged me excess fees, also I set up a payment program, they sent me documents to confirm this agreement. I made several payments into the agreement, then a family member offered to pay the account off, I made arrangements to pay off the account. Wells Fargo accepted the payment on XX/XX/XXXX. on XX/XX/XXXX they sent me a confirmation agreement. on XX/XX/XXXX, Wells Fargo reported to the credit bureaus my account was delinquent, after they had received my payment, and closed the acct.

Also I asked for a Letter of confirmation that the account was paid and there is no balance outstanding, They gave me a line that I will have to phone them to receive a letter stating my account is paid and satisfied.
Product: Debt collection

Mercantile Adjustment Burea  u (   XXXX   )   XXXX  keeps making robo calls to my home in  XXXX , TN with a message that if we even listen to the recorded message left on our answering machine, we agree to the debt which we have never owed. They claim  XXXX  of my vehicles made  a toll road violatio n somewhere ne ar   XXXX   or   XXXX   XXXX  ,  CA. I have not even visited that area for at leas t 15 ye ars, and none of my vehicles presently or previously owned have EVER been in that area. I have sent written notifications  twice  and demanded to see any evidence ( usually there are phot os of toll road violations ),   but my written communications have been ignored and no one has ever shown any proof of it being any of my vehicles. It is an obvious mistake and these debt collection  XXXX  do n't care. They just keep harassing my home phone.   Thank You
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX Balance : {$680.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX CO ) XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX : {$72.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX
Product: Credit card

On XX/XX/year> I opened a credit card from Victoria secrets, managed by bread financial. 
My initial credit was around {$200.00}. 
I never received my card. But when I opened the account and I was approved, I used my credit. 
Then I got online and set they payment of {$160.00}, by mistake I left a balance without paying, because I thought I set the monthly automated payment. 
Then, the debt reached almost {$700.00}. 
I called and made a payment plan with their customer care center, my intention was to leave the account on {$0.00}. And asked the guy that attended my call to update my mail, so I can stay aware of any notification ; thing that was never done. 
Then I received a notification from my bank that they had marked me as a delinquent, I called because the debt was supposed to be fully paid. And they told me, the guy left {$14.00} that were not paid in all the months I set the payments and it had generated now some new interest and I had a {$180.00} debt, again! 
Now I asked them to reduce the interests because it was never my intention to keep on debt and I am XXXX and had a lot to pay, so they asked me to pay {$110.00}, and days later, I had to pay {$660.00} and wait til to receive my {$000.00} balance to close my account. 
I called to close the account and they told I had a refound of {$210.00}. And that they will give it back to my account, and close my account. 
I though this problem has finally come to an end, and now, I received a {$000.00} statement and that they will continue sending me statements till I pay. 
The problem its not the XXXX, the real problem is the abuse I had suffered all this time. 
I want them to really close my account! I want nothing to do with them. 
I even want my {$110.00} and the {$6.00} back because I had to pay that because of a mistake made by the person that attended my call!
Product: Debt collection

I received a call on XX/XX/XXXX, from an unknown number. After not answering the call I proceeded to receive a voice mail recording. The recording stated " XXXX XXXX here and skip tracing a pre-legal department at XXXX XXXX '' The voice recording then gave a website to pay off the debt. I then went to the website : XXXX and there is no address listed on the site to send any debt validation letters, or cease and desist letters. After entering in some of my information I was presented with XXXX options for payment, but no information about the debt that I could verify. Shortly after and without asking I started receiving text messages to my phone number. However every time I request an address to send a debt validation letter the communication stops. I believe this to be in violation of the Fair Credit Reporting Act, as I am allowed to send a debt validation by mail and they are refusing to send an address to do so. It also appears upon further investigation that the website registers to XXXX and not the United States. I believe this to be a fraudulent collection activity, on a debt I do not know and am not able to verify.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX,2016 XXXX XXXX I XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016
Product: Credit reporting, credit repair services, or other personal consumer reports

Request credit reporting agencies to verify/validate items by disclosure of documents and method for accounts being placed to my credit - according to 611 ( a ) ( 7 ), 609 ( a ) ( 1 ) ( A ) & 611a ( 1 ) ( A ). These steps are required by them to ensure it is correct prior to placement to my file or delete the unverified accounts after 30 days of investigation per 611 ( a ) ( 5 ) ( A ), ( first letter dated 6/16/18, 2nd letter sent 7/18/18 ). Response ( s ) have been no response, updated, meet FCRA, and account closed, but still remain on my file without any documentation being provided as to the validation of any of the accounts being there. I have been requested by the CRA to provide information to them, ( assuming to verify/validate ) under 1681 ( a ) ( 3 ) it is the vital responsibility of the CRA to ensure the information is correct by the providing source, as they have attempted to place it back on me. One has stated it requires an  extension after the initial request date was XX/XX/18, the extension date is until XX/XX/2018, which is longer than the 15 day permitted timeline, I received this update notice XX/XX/2018. No addition information was provided by me during the initial 30 days ( XX/XX/18 - XX/XX/18 ) to warrant an extension according to 611- ( a ) ( 1 ) ( B and C ) this is required, another violation.

I have response documentation, the certified dated documented delivery receipt ( s ) and copies of letter ( s ) mailed, I am unable to upload, but can supply them upon request by fax, or mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, XXXX XXXX all in violation of Family Privacy Act of 1974, 15 US Code 1666B - billing error. Theres no law stating any transaction needs to be reported. I want to ask them about privacy and consent? 15USC1681 ( b ) States all ( 3 ) bureaus can't report anything on my credit report with out my written consent. Which I never gave. 15USC1681 ( c ) -1 Without written consent, It is identity theft. 15USC1681c-2 Once notified which they were they must remove from credit report. They've also been making a profit off of selling my information with out my consent. Violation of 15USC1611 inaccurate information. This is effecting my ability to live. Credit denials because of this information on all of the bureaus.
Product: Mortgage

Last year I lost my job and bank offer me forbearance program for 3 months and extended by other 3 months, I paid 3 months and only I used program for 3 months, couple times I requested for 12 months forbearance but bank sold my loan to the investors and they dont accept, I have hardship by last 2 weeks I got unemployment income now start working but I dont have enough income to pay my mortgage just barrows from credit card to pay my mortgage I dont know what to do not.
Product: Debt collection

The company is Specialized Loan Servicing. This is a 2nd mortgage that I received a letter and put to our front door for foreclosure on XX/XX/XXXX  and schedule to sell in the public after 3 weeks XX/XX/23. This 2nd mortgage is included to our XXXX  XXXX bankrupcy and just pop out after XXXX yrs. is fraud. I was trying to contact them no answer just answering machine to go into the website. This SLS company is frauding us to collect XXXX and even our first mortgage has not even modified. Please help to call this company and I mail a letter to check and letter for qualified written request. Today is XX/XX/XXXX  and schedule to sell in the public. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am leasing a car from XXXX XXXX XXXX, During COVID I lost my job so my payments became harder to make on time, I contacted XXXX to change my payment days to match with my paydays and I was also charged more interest. I try and keep track of my bills but feel like these payments and interest being added is robbery and I wish to have it discharged. Also all late payments legally are not to be submitted and they were and have hugely impacted my credit report making it impossible to get any type of debt consolidations to help pay down or discharge my lease payment altogether. I want to know what XXXX 's privacy and consent protocols are and want all late payments removed from my credit report immediately.
Product: Debt collection

In early XX/XX/XXXX, XXXX XXXX XXXX XXXX ( XXXX ) has initiated collections against me for {$710.00}. The {$710.00} is made up of two separate charges : {$250.00} for XX/XX/XXXX dues, and {$420.00} in credit card rewards. 

I discontinued my family 's membership with XXXX on XX/XX/XXXX, the same day that the team 's coach was fired by the XXXX. I held the position of XXXX of the XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. Upon resigning as XXXX, I turned over all club records, assets, passwords, everything to President XXXX XXXX. When our membership ceased on XX/XX/XXXX, the club terminated my access to XXXX, the on-line account for billing, etc. on XX/XX/XXXX. 

On XX/XX/XXXX, XXXX posted a charge of {$250.00} to my account on XXXX XXXX for XX/XX/XXXX dues. Since my account was closed on XX/XX/XXXX, I had no knowledge of this charge until I received their collection letter. XXXX 's claim is that since our notice came after the XXXX of the month, dues would be charged according to contract. My dispute is that we resigned because the XXXX fired the coach and drastically altered the program, leaving my family no choice but to find another team. At the same time as the coach was fired, the XXXX cut back practice times, competition opportunities, and most importantly quality of instruction ( they hired college students as fill-ins for the head coach ). In general, the program they outlined was a skeleton of what the head coach had created. 

I further dispute this charge because of past practice/precedent. For XX/XX/XXXX-XX/XX/XXXX, dues billing was my responsibility as XXXX. No member was charged another month 's dues even if they left after the XXXX ... I was the determinant of that charge. It was not applied in the past. 

The second charge, {$420.00}, is the value of the rewards points that I accrued on my personal credit card while XXXX  of XXXX. The XXXX moved that XXXX is entitled to the rewards earned through purchases for the club. In XX/XX/XXXX, members of the XXXX voted on how to spend these rewards. As I stated in XX/XX/XXXX before the XXXX vited, I maintain that the rewards are my personal property, earned on my personal credit card, and no entity has the power to determine how the rewards are used. 

Further, I take issue with the practices of XXXX XXXX, an employee of Kinum Inc, the collections agency hired by XXXX. On XX/XX/XXXX, he mailed me a copy of XXXX 's responses to my dispute letter. The copy he provided me was impossible to read, which he so admitted in my call to him on XX/XX/XXXX. I requested a more legible copy, as I have a visual impairment that requires me to use magnification technology to read documents. He refused to provide a clearer copy, and stated that I should get someone to read it to me. 

Also, each correspondence that I receive from Kinum shows a different amount due. The original amount claimed by XXXX is {$710.00}, XX/XX/XXXX shows {$710.00}, XX/XX/XXXX shows {$710.00}, XX/XX/XXXX shows {$720.00}. I have no intent to pay any amount, but I do question the inconsistency.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXXXXXX Balance : {$96.00} XXXXXXXX XXXX XXXXXXXX Balance : {$2.00}, XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a account on trans union which is over the 7 year period. Trans union refuses to remove this as required by law. Trans union is in violation of the law. The account was closed XX/XX/2013 was last payment made which is now almost 8 years ago which violates the 7 year law.
Product: Mortgage

This message is a follow up to complaint # XXXX with the intent of modifying the " desired resolution ''. To recap the issue, my wife and I applied for a construction loan with BB & T bank in North Carolina. We spoke with the mortgage loan officer on XX/XX/2015, clarified our need for a construction loan for XXXX the cost of construction. We submitted all documents on XX/XX/XXXX requested from BB & T in their letter of XX/XX/2015. We were told by our loan officer that the loan would be processed in one week. I stated clearly that if there was any chance that the loan would not be approved, I did not want to go through with the appraisal at a cost of {$430.00}. I was assured that if the appraisal was ordered, our loan would be approved. 

There was not one representation made by BB & T that held true. They lied about the appraisal, they lied about the passive income limits from our retirement accounts, they lied about the loan to value ratio requirements, they lied about not having received documentation from us, and they lied about closing dates. 

We continued to be strung along by this group of unprofessionals for XXXX months with excuses about the underwriters and the loan processors " not communicating ''. We then reached our planned spending limit of XXXX the construction cost from our savings with new promises of closing on XXXX XXXX, 2015. XXXX days after being told the closing needed rescheduling, we were told that due to time limits on documentation, we would need to resubmit financial statements. This tactic occurred XXXX times. 

My wife and I finally decided to drop our efforts to close the loan one day after filing our previous complaint to this agency. That day, I spoke with XXXX XXXX, XXXX Manager, and had the same false assurances repeated that had been made by XXXX of her XXXX underlings. Once again we were told that financial documents previously submitted to the bank, would need to be submitted. At this point I realized that our efforts were in vain. 

I have been in and around the construction industry for XXXX years and have worked with at least XXXX other financial institutions with construction loans for projects/homes I have constructed ( all successfully ) and I have never seen anything like the incompetence and outright misrepresentation of the truth as exhibited by the entire chain of command at BB & T. 

I strongly urge anyone considering a construction loan to look elsewhere.
Product: Checking or savings account

My direct deposit from my employer keeps going missing and I been making car payments from my account but they havent received any of the payments chime says the payments was made but they werent and the transactions keeps getting deleted after it was there I seen it there and even show my daughter they we went to look for it again it was gone
Product: Credit reporting, credit repair services, or other personal consumer reports

It is mandatory that consumer reporting agein a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of FCRA, 15 USC 1681 ( a ) ( 4 ).

1. Please block and remove this INACCURATE and UNFAIR data on my credit report. Chapter XXXX Bankruptcy Case Number : XXXX 2. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX 3. Please block and remove this INACCURATE and UNFAIR data on my credit report. BK OF AMER Account Number : XXXX 4. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX 5. Please block and remove this INACCURATE and UNFAIR data on my credit report. BK OF AMER Account Number : XXXX 6. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Capital One Account # 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 an 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: Checking or savings account

XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXXXXXX XXXX Ny XXXX XXXX XXXX XX/XX/XXXX Chex Systems , Inc . 

Attn : Consumer Relations XXXX XXXX XXXX XXXX, MN XXXX Subject : Dispute of Reported Information Dear Consumer Relations, I am writing to formally dispute the accuracy of the information reported on my Chex Systems consumer report associated with my Consumer ID. I have reviewed my report and found several accounts that I believe are not mine. 


The specific accounts I am disputing are : Account from XXXX XXXX XXXX - Reported Name : XXXX XXXX - Reported Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX - Date of Closure : XX/XX/XXXX - Original Charge Off Amount : {$1800.00} account # XXXX I request that you provide documentation proving that these accounts are indeed mine. Under the Fair Credit Reporting Act, I have the right to dispute inaccurate information, and I am requesting that you send me proof of these accounts within 7 days of receiving this letter. If you are unable to provide such documentation, I request that you delete these accounts from my report. 


Please send your response to my address listed above. Thank you for your prompt attention to this matter. 


Sincerely, XXXX XXXX