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

I have disputed this creditor on my credit report XXXX. with XXXX and Equifax more than several times and I just keep getting the same result despite my efforts of sending documents to support this claim against this creditor. I have filed complaints on this creditor a long with a compliant about XXXX. some years ago. since then I have filed a lawsuit against them for violating the Debt Collection Practices Act. and they are reporting the account closed but. also the XXXX and Equifax keep putting remarks on this account saying its affected by natural Disater it is not a current student loan it is over thirty years old its just been updated because the THE GOVERNMENT KEEP LETTING THIS COMPANY OPERATE WITH THEIR RUTHLESS PARTICES DESPITE ALL THE COMPLAINTS AGAINST THIS CREDITOR. DESTORYING PEOPLE CREDIT AND LIVES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my father that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support or even been put on child support. I started to investigate and I was told that someone has given my name and social security number to claim money monthly. This person has the wrong person. I decided to pull my credit report and it showed the exact same thing and three other accounts with many inquiries that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
Product: Credit card or prepaid card

Hi, i bought a house last year and i decided to apply for a home depot line of credit due to a major remodeling i was doing in my house. When i spoke to clerk in charge of the store 's customer service department, i told them what i needed, which was a credit line in which i could get all the materials in a matter of 2 weeks or 3 weeks. Based on my needs they recommend a " project loan '' which had a set interest rate ( 7.99 % ) for a period of 72 months for the amount i requested ( it was XXXX ). Because of my credit history i got a approved right away, they gave me a slip with the amount approved and my account number so i could purchase all the materials and i could take home. 
After about a month or so i used all my credit line ( which i planned from the beginning ) but the bills started coming with different rates, promotions for some purchases which were going to finish in 24 months, some in 12 months. I went back to Home Depot to ask the manager on what is going on and they were sending me back to call credit service ; then i called credit services y then they sent me back to home depot store. 
I called credit services one final time and i took my complaint to the highest rank in the chain and they told me that there is nothing they can do because it was the customer service clerk that sign me up for a store credit card but no for the project loan which had a different interest rate. 
i dont know where to go, who to complain. They basically are " washing their hands '' on the issue that a clerk from the store signed me up for the wrong credit line, they claimed i acknowledged it because i was continue paying my bills ( my husband was paying the bills at the time before leaving for XXXX and i did not realize i was put in the incorrect credit line for months ) and even after explaining this to the credit services, they took sides with the store clerk instead of taking my word. They just told me theres nothing they could do about it. 
I am stock paying ( i would like to stop paying them but it would ruin my credit history which has been implacable ) bills i did not signed up for.
Product: Credit card or prepaid card

In XX/XX/XXXX I noticed a fraudulent charge of {$2.00} from XXXX on my Synchrony SamsClub credit card. I immediately called Synchrony to report the fraudulent charge. They recommended I talk with XXXX  for resolution. I called and emailed XXXX over the next couple of months. Ultimately, they said they could not find where the charge was coming from, what it was for and did not see it on my account. But they said they could not stop the charges because they couldnt find it. They recommended that I have my credit card number changed. I called Synchrony and had my credit card number changed TWICE in the past 3 months to resolve this issue. I have been reassured by multiple managers/supervisors that the issue was resolved, and then on the next statement, the charge continues to happen. My new statement ( XX/XX/2021 ) shows a charge of {$2.00} from XXXX ( XXXX of the month, mostly ) and I fully expect another in XXXX. I have now been told by Synchrony that I need to dispute these charges again and that new cards automatically renew recurring charges ( even though the last supervisor assured me this wouldn't happen ). I am at a loss of how to resolve this issue besides cancelling my credit card.
Product: Bank account or service

On XX/XX/2016 I discovered that at approximately XXXX that morning, an unauthorized withdrawal of {$2900.00} was made via teller withdrawal from my checking account at Citibank XXXX The line item on the transaction showed the location as being at an ATM at XXXX in XXXX ( this is about XXXX miles from where I live and I was never there ). I reported this at once to Citibank and opened a fraud investigation. The following Monday I went to my local branch in person, and at that time saw that on XX/XX/2016 ( Saturday ) at around XXXX an additional {$2900.00} was fraudulently taken out of my account at the same branch in XXXX XXXX The entire amount of funds stolen from my account is {$5800.00}. 
I have been working with Citibank for almost XXXX months and the funds still have not been recovered into my account. Citibank 's latest instruction to me was to make a police report and then provide them with the case number, so that they can request and review camera footage from the ATM where the funds were stolen to ascertain that the individual making the withdrawals was not me, was not known to me and/or did not have permission from me to make a withdrawal. So far they have denied my fraud claim on the basis that the withdrawal was made using my card PIN number. Citibank asked me to provide a written affidavit stating that I was not the person that withdrew the funds, and that I did not know nor authorize anyone to withdraw the funds, which I did complete and provide to Citibank. I guess the inference is that I must have provided the number to someone but this is false. I have not shared my PIN number nor my card with anyone. I do not keep multiple copies of my debit card, and there are no other signers on my account that have access to it. I do not keep my PIN number written down anywhere. I have not given the card nor the PIN to anyone ever to use nor given anyone permission to withdraw funds using my debit card, ever. 
My suspicion is that a card skimmer was used to copy my debit card information. On the night before this all happened ( Friday XXXX XXXX a taxi driver asked that I purchase them gas in exchange for a lower ride fee, and I suspect that before I used my card for this purchase they put a card skimmer on the gas tank and secretly observed or recorded my PIN when I made that purchase. That 's my strong suspicion just because the timing is very coincidental. 
I would greatly appreciate any assistance, advice and help working with Citibank to recover these funds. I am a single father of XXXX teenagers, my wife passed away last year and I can not afford to lose this much money. Can you please help me. 
XXXX, XXXX
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 XXXXXXXX 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 reporting 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 a reasonable cause to believe that the information is inaccurate.

Also, there are credit inquiries on my report that I dont recognize.

These inaccuracies are stopping me from getting a house and a car for my family.
Product: Prepaid card

On XX/XX/year> I emailed to XXXX XXXX information and digital images ( and/or photographs ) to setup my local checking account as a bank to receive transfer of funds. This request was denied. During a phone conversation the following day they were unable to give me a specific reason for the denial ; however, they suggested denial might be because my bank statement did not have my full account number on it, nor the banks routing number. They suggested I get a letter from my bank with this information. 

On XX/XX/year> I sent a second email requesting ACH Transfer approval. This email included : case #, source program of my benefit, photo attachments of bank 's letterhead with aforementioned information, front and back of government ID, and photograph of postal envelope from bank. This second request was also denied. And during a phone conversation on XX/XX/year> no specific reason for declining it could be given. During this conversation with a XXXX XXXX supervisor named XXXX I was told I would not be able to use this cash transfer service.
Product: Credit reporting or other personal consumer reports

I pulled my credit my Experian credit report and noticed that the XXXX XXXX XXXX account is older than 7 years and should be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting, I have an account that is not correctly reported. 
Account Name XXXX XXXX XXXX Account number : XXXX you have this account as closed with a balance of {$8900.00} but this account is fully paid-off and balance on it should be {$00.00} I have attached sceenshot of account full payment information below
Product: Credit reporting, credit repair services, or other personal consumer reports

Ditech Financial recently responded to my letter with respect to the First Date of Delinquency being reported to the Credit Bureaus. Although I appreciate the response, the information remains inaccurate. ( Attached is Ditech Financial response ) Ditech originally was reporting to the credit bureaus a date of first delinquency as XX/XX/XXXX, after their " investigation '', they state the actual first date of delinquency has been updated to XX/XX/XXXX. ( Attached Ditech Financial response ). This continues to be inaccurate. Ditech also provided the loan modification from XX/XX/XXXX. ( Loan Modification attached. )  The modification took place with XXXX, the mortgage was sold to Ditech in XXXX of XXXX ( Attached Loan Assignment ) The Fair Credit Reporting Act defines the first date of delinquency as : According to the Fair Credit Reporting Act ( FCRA ), negative entries can remain on your credit reports for 7 years from the " Date of First Delinquency '' ( DOFD ). The DOFD is the date a consumer first becomes 30 days late, never brings the account current. 

Luckily, I have attached statements showing delinquency from XX/XX/XXXX. They have all been attached to this complaint by date. The information is as follows : Statement Date Past Due Amount Shown on Statement XX/XX/XXXX {$1500.00} ( There was no payment made in XX/XX/XXXX ) XX/XX/XXXX {$1500.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$3000.00} XX/XX/XXXX {$3000.00} XX/XX/XXXX XXXX XX/XX/XXXX {$3000.00} XX/XX/XXXX {$1800.00} XX/XX/XXXX {$3400.00} XX/XX/XXXX {$3400.00} XX/XX/XXXX {$3500.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$3600.00} XX/XX/XXXX $ XXXX XX/XX/XXXX {$3800.00} XXXX was the last XXXX statement, mortgage was sold to Ditech. The first statement from Ditech shows a past due amount {$4600.00}. 

Ditech reporting the first date of delinquency now as XX/XX/XXXX remains inaccurate based on all the statements and attachments. At that point in time the mortgage was several months past due. The date of delinquency is defined as the fist time the mortgage goes past due and not brought current. This mortgage has not been current since XXXX XXXX per the attachments of statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information on credit report is unverified misleading and inaccurate.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt XXXX  and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i Filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and i have not received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 of the Credit Reporting Agencies have made it extremely difficult to obtain my information, despite the fact that I am a victim of identify theft. They are clearly in violation of the FCRA and FACT act as described in the United States Code!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XX/XX/XXXX Dear Consumer Reporting Agency, I am writing to dispute the following information that appears on my consumer report : Dispute 1 Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Type of disputed information : Auto Loan Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 2 Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX  Type of disputed information : Secured Loan Dates with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 3 Account Number : XXXX Account Name : XXXX XXXX Type of disputed information : Credit Card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 4 Account Number : Account Name : XXXX XXXX XXXX Type of disputed information : Rental Agreement Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 



Dispute 5 Account Number : XXXX Account Name : XXXX XXXX  XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 




Thank you for your assistance Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Exeter finance charged off this account as a bad debt. They have yet to send me a 1099c form and also a proof of sale XXXX they sold the vehicle. They added all these charges on the account after they charged it off in XXXX and also after they sold the car for XXXX and it was worth more than XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX ] Account INQUIRY DATE : [ XX/XX/XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. INQUIRY ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with this issue for far too long. I have a rent debt that is still being reported on my Experian Rentbureau report that should not be there. I have already taken the steps to have this removed. I even contacted Experian rentbureau and they claimed that it would be removed. This rent debt does not belong to me and i have already proved it that I was a victim of identity theft. The debt collector has agreed to remove it from my credit reports. Experian is still reporting it. I want it removed ASAP.
Product: Student loan

It appears the promissory note I signed in XXXX is in violation of the Department of Education 's rules for the repayment of XXXX loans, as it seems to state the " repayment of the loan is until I die '', not the DOE rule in XXXX which was the XXXX was scheduled to close in 10 years XXXX. 

In XXXX the DOE 's rule was the XXXX loan was to be closed in 10 years which was XXXX. If the promissory note contradicts the DOE rule for repayment of the XXXX loan then the promissory note is illegal and therefore null and void. Close my XXXX loan now! 

Instead the loan was transferred from XXXX to Nelnet and XXXX additional nonexistent loans were added to my XXXX. 

The current DOE 's rule is : All borrowers with loans held by XXXX ( Direct Loans and federally held XXXX Loans ) who have accumulated time in repayment for at least 20 or 25 years will see automatic forgiveness of their loans, again not until I die, as Nelnet has expressed in print. My consolidated loan date was XXXX at which time the DOE XXXX close rule was 10 years XXXX. 

My XXXX  loans are not " pay until you die '' in accordance with the DOE XXXX repayment rules, as Nelnet put in print as a response to a CFPB complaint I filed, and pointed to the promissory note I signed. The XXXX loans are governed by the rules of the Department of Education. As Nelnet stated their role in XXXX  repayment is not as a collection agency and therefore it seems to have no reason to be reporting old XXXX  loans that were scheduled to close in XXXX, which should never of been transferred to Nelnet from XXXX to the National Credit Bureaus and are not " pay until you die '' It appears the promissory note I signed in XXXX, " pay until I die '' is in contradiction to the DOE rules that govern the repayment of XXXX Loans and therefore is null and void! 

Close my loan now!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX and Transunion Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Hello, FROM XXXX XXXX 2022, I REPORTED SOME TRANSACTIONS THAT I DONT RECOGNIZE XXXX $ IN TOTAL XXXX TOLD ME THAT IT WILL BE CREDITED AFTE RINVESITGATION BEEN 4 MONTHS AND NO ONE CALLED ME MY CREDIT WENT DOWN FROM XXXX TO XXXX NOW AND THEY KEPT CHarging fees PUTTING ME OVERLIMIT ON MY CREDIT CARD TODAY I SPOKE WITH AN INVESTIGATOR HE SAID I AM LIABLE FOR THAT HIGH AMT WITHOUT ANY VALID REASON. I REALLY WANT YOU TO SUE THEM I WANT MY MONEY THAT GOT STOLEN FROM ME BACK
Product: Credit reporting or other personal consumer reports

My mother passed, as i was trying to secure nancing to lay her to rest and secure some of the XXXX XXXX responsibilities i was told to view my credit because XXXX to me it would be dicult to make necessary arrangements and get memorial services as well as secure her nal resting place with my credit, when i looked at my credit XXXX, i noticed accounts that didnt belong to me XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX under fcra 605 and 15 USC 1681e ( b ) it states this ( b ) Accuracy of report i am do relief, please assist, at this point this is willful non compliance and im in a critical position.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email about a decrease in my consumer report. When I checked my report, I notice my consumer report has unauthorized accounts. XXXX has reported these accounts without my consent. I have never done business with this company. I never gave permission. I did not authorize which is fraud-related. I have terribly been violated of my rights as a consumer. According to federal law, it states To whom it may concern Under 15 U.S. Code 1681b -- Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I, XXXX XXXX never gave EQUIFAX, XXXX, or XXXX any written consent to report anything on my consumer report, No consent is identity THEFT.