23daVinci/CFPB_Complaints huggingface dataset:
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 reinvestigation of disputed information of 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 XXXXXXXX XXXX inaction violates federal law and my rights as a consumer.
Product: Debt collection

My former insurance company was XXXX. I sold my vehicle in XXXX, 2017, before relocation to Hawaii and notified my own agent that I would no  longer be driving, therefore I would not need to have a policy. All the paper work involved with virtually everything in my life has yet to arrive in transit from the mainland to XXXX. Thank you for understanding
Product: Debt collection

I am a XXXX veteran living in XXXX XXXX Alabama. I am seeking your assistance in regards to illegal practices of Omni Financial of Nevada , Inc. After extensive research, I have found that Omni Financial has and still is violating a number of federal and state codes. On XX/XX/XXXX I received a loan in the amount of {$2000.00} ( principal amount of XXXX ) from their office formally located at XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX What I discovered was Omni Financial was not registered to operate until XX/XX/XXXX. I unfortunately defaulted on the loan due to lack of income. Since then the original amount to pay back has jumped to {$16000.00} ( {$8500.00} in interest and late fees added each month ). 

There was a recent Administrative hearing held by the Bureau of Consumer Financial Protection in which they found a number of Omni Financials practices illegal. I ask that you review the attached documents and provide any assistance you can.
Product: Debt collection

I have wrote Experian. I don't know how many times explaining and telling them that these claims are not mine. But they continue to keep that stuff on my credit report and will not move it or do anything. They don't even try. Out of all these disputes. They have never removed anything. And they keep reporting the wrong info out about me
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX  Acct # XXXX ... XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX ... XXXX XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX ... XXXX XXXX  Acct # XXXX ... XXXX XXXX XXXX XXXX TX Acct # XXXX ... XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX ... XXXX  XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : Inquiries in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXXXXXX  inquired on XXXX ; XXXX inquired on XX/XX/XXXX and XXXX  Contractors inquired on XX/XX/XXXX. The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files 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 & block any accounts which are found to be opened 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 ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act.XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX XXXXXXXX, ( XXXX ) DEPT OF EDUCATIONXXXX XXXX XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX - XXXX,
Product: Credit reporting

In the XXXX 2015 issue of XXXX Bulletin, page # XXXX. R.I.P Off by XXXX XXXX. Social Security death file ; XXXX XXXX advised ; that starting a month after the death of a relative to check the departed 's credit report at Annual Credit Report for suspicious activity .Which i did and as i send all my personal information, at Trans Union it became apparent tha the page is a fraud .The sad thing is that they got my Social Security info and other personal data ..Thank you..
Product: Credit reporting, credit repair services, or other personal consumer reports

The matter is reference to Lakeview Loan Care Services which holds my mortgage. I have made several attempts to discuss their incorrect, fraudulent credit reporting. They continue to report my loan as late and in default, which is INCORRECT. 
I have made over 6 months of on time mortgage payments during a pandemic. I qualified for their mortgage modification contract that required at least 3 months of on time payments and have continued to be current on my mortgage payments. 
As an example most recently they reported me late for my XX/XX/XXXX mortgage payment which I paid on time on the XXXX of XXXX. According to their online web portal and my bank statements they payments posted on time and yet they reported this payment LATE to the credit bureaus. As an example of their fraudulent practices. 
This mortgage company has been sued in the past for the exact same reasons and continue to do the same thing. This has caused damage to my credit standing. 
As a final attempt I called Lakeview Loan Care on XX/XX/XXXX and was transferred several times and on hold for hours I spoke with someone in Loss Mitigation. They admitted that the LATE credit reporting was an error on their part and promised to fix the problem by contacting the bureaus. I requested a letter or acknowledgement as proof of their good faith to resolve the problem. They absolutely refused to provide me with anything in writing. Matter of fact they kept me on hold and kept transferring me throughout different departments. They finally left me on hold until closing time and someone just hung up the phone. They have the absolute worst customer service and have no regard for their customers. They refuse to address the matter and when I call back I have to explain the entire situation to each person that presents on the phone. This shows that they are just providing lip service and do not intend to actually correct the erroneous reporting.
Product: Credit card or prepaid card

I have Citibank XXXX XXXX XXXX Credit Card. They have been advertising a flex payment option on large purchases. Last month I made XXXX airline ticket purchases of $ XXXX. I enrolled in Flex pay plan for these amounts for XXXX  months with a 1.99 % APR. My plan was to pay these purchases via the monthly payment plan. But pay off any other purchases in full every month. 

I am enrolled in Autopay and I went ahead and selected an option that said " Adjusted New Balance + Flex Plan Monthly Payment - Additional information expanded This includes your monthly Flex Plan Payment Amount and the non-Flex Plan portion of your last statement balance. It does not include Flex Plan payments due in future months. '' It clearly states that this option means that every month it will deduct my monthly flex payment plan plus any " non-flex portion of my statement balance ''. But this month, they deducted the entire amount including the the purchases on the flex payment plan. I had not budgeted for such a large amount to be deducted from my checking because I was thinking only the flex payment installment plus other balances would be deducted. 

I called Citibank and they said they can deduct the monthly payment and refund the rest of the amount. But I asked them why this happened? They forwarded my call to another department and they explained that the only way I can make sure that this wont happen again is to select the " minimum payment '' option. But I told them, I dont want to make only the minimum payment because I dont want to pay interest on the other purchases. Moreover, they have the option under the Autopay for " Adjusted New Balance + Flex Plan Monthly Payment ''. But they told me that this option does not work and only minimum payment will work. 

I believe this is unfair business practice. They are advertising the flex plan installment payment option, giving us an option to make a flex installment plan+other balances, but then that option doesn't work and instead forces us to make a minimum payment. 

Thank XXXX XXXX
Product: Debt or credit management

I was charged XXXX a month for XXXX months to fix things on my credit that shouldn't have been there & I didn't receive clear credit repair as stated. I feel this is bad business & it's so much of it going on especially in the poor XXXX XXXX XXXX  community 's that need credit to do anything. I lived at XXXX XXXX XXXX XXXX XXXX XXXXXXXX when I used Lexington Law to repair my credit. My new address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thanks for your help in advance.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX a collection from XXXX XXXX XXXX was put on my credit report that dated back XXXX XXXX, XXXX. This is not my collection. I do not have a contract with XXXX XXXX XXXX I demand that this collection be removed immediately. 
On XXXX XXXX, XXXX XXXX XXXX XXXX was put on my credit report. This is not my collection. I do not have a contract with XXXX XXXX XXXX 
I demand that this collection be removed immediately. 


You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) Failure to validate this alleged debt. 
I refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt. 
15 USC 1692cI Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 
If proper validation of this alleged debt is not provided within 30 calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account. 
Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt. 
FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall ( 1 ) in the case of an action to enforce an interest in real property securing the consumers obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action. 
( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. 
By the way, if you ever decide to turn this alleged debt over to an attorney to collect and violate my rights under the FDCPA 15USC 1692 even further, just keep in mind that an attorney can not be a debt collector and a debt collector can not be an attorney. 
FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney. 
With all that was said above, for each VIOLATION of the FDCPA that you have committed I am entitled to {$1000.00} per violation.
Product: Credit card or prepaid card

Hello. When I applied for Barclays JetBlue Business Credit Card, points offer was XXXX sign-up bonus, ( XXXX bonus points after spending {$1000.00} within the first 90 days, and additional XXXX bonus points after spending a total of {$6000.00} on purchases within the first 12 months ). I have a screen shoot of my application that has date on it ( see attached ). I got first part of XXXX, but not the second one. I've called numerous times and opened up a case # XXXX to get 2nd XXXX point, but nothing has happened. It's been going back and forth with emails and promise of a phone call. Please help. Thank you.
Product: Credit reporting or other personal consumer reports

I opened a loan with XXXX in XXXX of XXXX. In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I was granted a deferment for those 3 months. Everything was fine, but recently late payments have been showing for those months on my XXXX Credit Report, I contacted XXXX  Personal Loans and they resolved the issue before. Now, it has come back up, so I contacted XXXX  Personal Loans and they informed me that they have sent serval updates to fix these errors, but XXXX has yet to make the corrections on their end. So, I filed a dispute with XXXX and they launched an " investigation '' but the results came back as XXXX as XXXX. XXXX informed me that they did not verify the errors as correct. 
XXXX is sending updated credit reports to XXXX that reflect no late payments but, XXXX is not using the updated report information from XXXX. Instead, XXXX is not updating my report with the correct information they have received from XXXX. 
Also, since the most recent dispute, the incorrect information is now being reported to my Transunion report when it was not before. 

This has been an ongoing issue since XXXX of XXXX, it's has been interfering with my ability to purchase a home and obtain other financing ; I have had to put off the purchase for several months now ; negatively impacting my quality of life. Again, it should be noted that this issue has been ongoing for 5 months, with no resolution. 

If the matter is not resolved immediately, my only other option would be to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account listed as a charge off with XXXX XXXX XXXX XXXX is a result of identity theft. XXXX first proved that the account was used to service a XXXX XXXX XXXX, a vehicle I do not or never have owned. They could not verify my address, verify a personal identification card which is required, nor did they have the correct phone number. All they simply said was that the car was registered at my address. This account was open by XXXX XXXX and I have begun legal charges against her. XXXX XXXX could not and have not provided myself or XXXX, XXXX, or Equifax accurate factual data. This account is fraud and needs to be removed. I have tried to dispute this account and the credit companies have not provided me with accurate contractual data to prove this account. Therefore by law this account needs to be removed from my credit report. Unless there is a signed contract with my signature, my drivers license, and or a power of attorney provided this account needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to get a cellphone service from XXXX Store thru XXXX near my area but the representative told me my application was cancelled after he did the whole process on his computer and put all my personal information. So, he called the XXXX main office and I was told to call the Credit Bureau and I was surprised when I saw my credit report, most of the information that was in there are all false and I'm not aware of it.
Product: Credit reporting or other personal consumer reports

To whom it may concern, while checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : inquiries : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by this company to make any inquiry and view my credit report this is a violation of the fair credit reporting act section 1681 b ( c ) and a serious breach of my privacy rights.

Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number Please note that you have 30 days to complete this investigation, as per the fair credit reporting act section 611.
Product: Checking or savings account

Since XXXX  I was forced to pay overdraft fees. I repeatedly asked for these fees to be waived but was told that wasnt possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the primary person responsible for paying my Lowe 's credit card issued by Synchronicity bank. My husband, a XXXX XXXX, is an authorized user of the card. We just bought a house and we're buying things to fix it up. I've never missed a payment or been late with a payment EVER. Lowe 's Credit Collections Dept has inaccurately and inappropriately reported a reduced credit score to XXXX  because our promotional balance ( 12 months to pay off ) is now {$6500.00}. I'm not delinquent and I alone am responsible for paying the bill, which is current. There is no justifiable reason for Lowe 's to report negative, inaccurate information to any credit bureau for my financial obligations. I've contacted the Lowe 's Corporate Customer Service Office and filed a complaint and the Credit Collections Dept, as has my husband, who has also contacted Synchronicity Bank. XXXX, in the Credit Collections Dept ( a supervisor ) said no one has written a policy that would direct his dept to do such a thing and there is no one I can discuss the issue with to get it resolved. Someone wrote this policy, or this would not be happening. Lowe 's is discriminating against my XXXX husband and reporting inaccurate data. The Credit Collections person my husband spoke with told him he needs to pay the bill and his credit would be restored. We are using their promotional balance program to pay it within 12 months. If Lowe 's doesn't want people to use these programs, why are they offered??
Product: Credit reporting, credit repair services, or other personal consumer reports

I'd Really like for Experian to take a look at the negative item that Ive listed below, because Ive tried again and again to make sense of what Im seeing. unfortunately. I cant make heads or tails of this and need your help Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. if you would, please investigate these item and send me a new credit report reflecting the changes ( I would appreciate it if youd expedite this because i need to apply for a job ). if you really look at the info that ive provided, youll see why ive said these arent reported correctly what i cant figure out is why im seeing this information to begin with, because arent you supposed to verify everything before it every hits my credit report i really dont think that youve done this so i would really like for you to fix this now. please investigate the following account : XXXX XXXX XXXX  # XXXX