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

This is XXXX XXXX XXXX and I am submitting this CFPB Complaint demanding to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts and Information that I did not open and have no knowledge of. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX . I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. I understand that the Fair Credit Reporting Act requires you to conduct a reasonable investigation into any disputes, and I am confident that you will find that these accounts are fraudulent and should not be listed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft several times in the past I have a new identity theft alert on my credit and I have a credit lock placed. There are three medical collections on my credit report that are not mine and were not originated by me. They are the following : 1 ) XXXX XXXX XXXX Acct # XXXX 2 ) XXXX   Acct # XXXX  3 ) XXXX Acct # XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XX/XX/2019 and XX/XX/2019. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid on time never late immediately as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Credit reporting or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts to be deleted immediately. 

XXXX XXXX XXXX Unverified Account XXXX XXXX  XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX  XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago I sent this dispute to you CFPB along with the 3 credit bureaus XXXX, XXXX XXXX and Equifax - to remove accounts that I have paid the original creditor now going over two years ago and it show as collection with balances which by law is a violation of incorrect information on my credit reports. 

I am requesting that the following inaccurate items be immediately investigated. I PAID OFF in FULL to original creditors. Please delete this misleading information in order to show my true credit history. By provision of 15 USC section 168i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record. 

XXXX XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX Account number XXXX Collection opened XX/XX/XXXX Account type Collection XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Collection opened XX/XX/XXXX Account type Open account
Product: Mortgage

I was charged for XXXX $ for my recent payoff of this loan in XX/XX/2020. The Welcome letter states clearly payoff statement charge is XXXX XXXX I have called multiple times and no customer service representative can explain why the charge is XXXX $ and what is the base for this charge, even the supervisor XXXX XXXX employee ID XXXX, called on XX/XX/2020 ) also don't know how the charge of XXXX $ was calculated and where is the base for this charge. Since this is not listed on the Welcome letter, this charge is not legitimate. I requested the loan company ( XXXX  LoanCare ) refund me with the over-charged portion. I emailed to XXXX on XX/XX/2020 with ticket # XXXX. I received response on XX/XX/2020 told me the issue was addressed. I emailed back on the same day and told them it was not addressed. On XX/XX/2020, I received response that my requested has been forwarded to the processing team. No further news ever since this email. I followed up on XX/XX/2020. Still no response. 
Please help me to contact the company to solved my over-charge issues. Ive called more than 5 times with more than half an hour each time, emailed them 4 times. I requested them to compensate me for my time spent on this issue and give me an official apology. 

Many thanks for your warm help! 

Best Regard
Product: Credit reporting, credit repair services, or other personal consumer reports

All three of the major credit reporting agencies ( XXXX XXXX, Equifax and XXXX   ) are not up to date all the time on or reporting bogus information on me of which creditors look at this information and take it as being totally correct.

It also doesn't make sense that when one credit reporting agency fico score on me increases the others go down and vice versa.

When I apply for credit such as a car loan the creditor looks at several lending institutions with the best interest rates for my loan which gives me a " ding '' each time an inquiry is made and adds to my Hard Inquiries which in turn lowers my score ( I'm just trying to get the best interest rate ).

This also doesn't make any sense, for example, my fico score reads XXXX when my Positive Negative Credit Card Use is : 5 % Credit Age : 3 Years ( although I have 20+ years ) Payment History is : 100 % Hard Inquiries : 10 ( lowers score just for checking ) Derogatory Remarks are : 0 Total Accounts are : 21 WHAT IS UP WITH ALL OF THIS BAD REPORTING?
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, XX/XX/1920 After looking at my credit report, I noticed errors with my personal information. Listed below are the problems with my personal data : Incorrect Address XXXX XXXX XXXX XXXX, FL XXXX Please delete it XXXX XXXX XXXX XXXX, FL XXXX please delete it I know that you want proof of my personal information that is listed above, so I decided to include this information in the letter to make it easy for you to delete the inaccurate personal information. Please go ahead and fix this inaccurate information and get back with me as soon as possible. 30 days should be enough time to fix this problem. If you can update me sooner that would be better. 

Sincerely,
Product: Debt collection

I have contacted this creditor multiple times to have this account removed from my credit because me and the creditor RSI Enterprises INC came to a settlement agreement in which I paid {$370.00} to have this collection removed from XXXX credit report several months ago. The agent I spoke to name is XXXX and her direct line is XXXX
Product: Credit reporting or other personal consumer reports

Department of Education had sent the updated status to all three credit bureaus : Transunion, XXXX, & XXXX. 

Transunion and XXXX did not update the remaining loan per the Dept. of Education status to the bureaus. 

I contacted Department of Education on multiple occassions including today to confirm status update. They informed me that they had sent the updates to the three bureaus over 12 months ago. 

Transunion XXXX XXXX has still not updated the correct information : Stating : " Loan/Account number : XXXX, Original date of account : XX/XX/2010, Original amouont : {$57000.00}, is satisfied, paid, no lates, and should be deleted. ''
Product: Credit card or prepaid card

Sent 2 money order 's to pay my bill and on time Macy 's cash the money order 's and NEVER GAVE CREDIT TO MY ACCOUNT. I HAD TO MAKE AN EXTRA PAYMENT SO MY BILL WOULD NOT BE LATE ON THE XXXX OF XXXX THEN I PAID {$30.00} TO HAVE THE MONEY ORDER 'S REVIEWED TO SHOW TO WHOM.
Product: Debt collection

There is a debt collection listed in my credit report from XXXX XXXX through Mercantile Adjustment Bur. I have no knowledge of this account and it is from XXXX, which is a state I have never lived in. It shows that it was opened in XX/XX/2022 for the amount is {$460.00}. I had it removed before from my credit report before but it appeared again and has lowered my credit score a lot. I had to also remove incorrect addresses and a name from my credit report. Someone must have used my SSN/information to open the account.
Product: Payday loan, title loan, or personal loan

Mariner Finance sent me by mail an unsolicited loan-check in amount of {$1200.00}, dated XX/XX/2019. 

Sending live checks ( or any other type of credit check ) is just predatory and puts my credit at risk - anyone could steal mail from my mailbox and have fun at my expense. 

I have never requested any loan from Mariner Finance, nor I am interested in their services. I want them to stop sending me credit/services offers. The opt-out information they provide doesn't apply only to Mariner Finance but all other creditors, and I am not interested in filling out forms that require my SSN. 

Branch Manager of XXXX, MD, take my name out of all of your branch 's and Mariner Finance 's marketing/credit/services list, and do not contact me at all through any medium.
Product: Mortgage

XX/XX/XXXX i 'm started the aplication for Loan Modification program trough HARP, I made the trial payments to American Servicing Company, after that I make calls to asked the status of my aplication, not answers or no status provided at that time. 
I was follow the status for my aplication weeks to weeks, until XX/XX/XXXX one agent told me the aplication was aproved but no letter or correspondence was sending to me. 
I check the public records filed in XXXX County, FL for the records of the loan modification and I check the aplication agreement was aproved and signed on XX/XX/XXXX that 's XXXX months after the initial day on the lease paragraph XXXX. 
American Servicing Company never sent me a letter of explanation about this mistake, this error was critical for my family economy, because I have to pay sometimes twice of the mortgage payments in period less that XXXX month. 
I like to revised the proper documentacion for the Loan Modification and if the correct time and procedures was following in my case. 
It 's important the lender inform to the customers of the state of the modification, because at this time the bank force me to go to foreclosure and disaster economics times at my family.
Product: Student loan

I sent payment for my payment to be taken on the XXXX. It is now the XXXX and it is still processing. 

I tried calling on the XXXX but the wait time was over an hour and a half.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate thisreporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX : {$XXXX
Product: Credit reporting or other personal consumer reports

I value Credit Bureaus help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

I want to make this clear to Credit Bureaus that my Only Name is XXXX XXXX XXXX and my Home Address is XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, NC XXXX. 
The following Inaccurate Information listed below must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX, the following Items must be deleted : XXXX XXXX Balance : {$110.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

XXXX XXXX has gotten a garnishment on my wages. I was never notified of any court proceedings, even the post marks on the documents from the collection agency of the court decision are dated after the garnishment started. The wages being garnished are @ 70 %, plus 25 %, the judge did not care Im recovering from XXXX and a XXXX XXXX, or the fact that this has left me at the point of eviction, since the case, the court, it was all done without my knowledge, in a court out of jurisdiction, in absentia. The XXXX XXXX XXXX court is also not providing any option to appeal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been inaccurately reporting me as 30 days late for the month of XXXX. A XXXX XXXX representative has also stated that they would submit the code to have my account reported as affected by a XXXX declared disaster for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX but they have not done this either. I have tried resolving this with them multiple times and I have gone through the XXXX, and the credit bureaus. I have already submitted a complaint here through the CFPB but new information has surfaced. I received a response from them that admits I paid on time for XXXX, see attached, however they are still reporting me as 30 days late for XXXX and they have repeatedly refused to fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute with Experian in XXXX and they never contacted me about the results and it defitiantely took longer than 30 days. When trying to file another dispute they would not allow me because I already had one 2 years ago. XXXX had already corrected the dispute and I can't understand why the others haven't. The disput is against XXXX XXXX. It involves a federal Declared disaster XXXX XXXX Hurricane Florence.Had to evacuate in order to survive and the apt was unhabitable for many months afterwards. They received insurance for the damage. If they didn't it was their own fault if they didn't have any. XXXX lost all her personal belongings. It bothers me because the credit agencies take others at their word and can put anything on your credit report and it cost a consumer money as well as agrivation to try and get it straight. This is not right. A consumer should be able to sue credit agencies and they should be held accountable for investigating things in a timely manner and getting back in touch with the consumer.
Product: Checking or savings account

I am submitting this complaint regarding a chargeback reversal that was mishandled by Citibank and has resulted in my account going into overdraft. 

On XX/XX/year>, I made a transaction for {$340.00} with XXXX to book a hotel. The hotel later informed me that they did not have enough rooms available and canceled the booking. However, XXXX recorded the cancellation as if it was initiated by me and refused to issue a refund, citing their non-refundable policy. I filed a dispute with Citibank, which initially resulted in a chargeback in my favor. 

On XX/XX/year>, without notifying me, Citibank reversed the chargeback, restoring the amount of {$340.00} to XXXX. I was not informed of this decision, nor was I made aware that I could appeal it. It wasnt until XXXX XXXXnearly two months laterthat I noticed the reversal on my account statement. By then, my account had gone into overdraft due to insufficient funds to cover the reversal. 

Steps I Took to Resolve the Issue : XXXX. Contacted Citibank to understand why the reversal occurred and why I wasnt notified.

2. Attempted to dispute XXXX claim, as the cancellation was initiated by the hotel due to insufficient room availability, not by me. 

XXXX. Submitted additional information to support my case, including communication with the hotel.
Product: Debt collection

Hello, The judgement date was XX/XX/2006 and I just received a garnishment to my wages in the amount of {$500.00} per month. The total they say owed is {$32000.00} with an interest rate of 12 %. Since XX/XX/2006 I have lived at two address and have not received any letters from any company that I owe this debt. Never received anything from the courts saying that I had a case and/or a judgement date. Is this something that is possible, that I know nothing of any debt and get a garnishment?

I do not know who, what or why I have this judgement. I declared bankruptcy twice, once when I was married and again after I was in an accident while working, I can not remember the dates. I tried to call the company XXXX XXXX XXXX and was greeted with a very rude and uninformative person at that company, they just told me that I owed the debt and there was nothing I could do. 

Please help, I have no idea what to do but can not afford {$500.00} being taken out of my paycheck each month.
Product: Credit reporting

I have made along with my son several requests to remove derogatory credit information on my sons credit report. We both have similar names each credit report agency is using my credit history on my sons credit reports.
Product: Credit card or prepaid card

Nothing that is the problem. Simple request ... ..PLEASE MAKE CAPITAL ONE STOP SENDING ME OFFERS OPT OUT MEANS OPT OUT
Product: Checking or savings account

I am the victim of identity fraud from XXXX data breach and I have been battling this issue for two years because it has really screwed up everything. Besides all the other issues I have with this Fraud, chime has continually denied every dispute I have given them. One big one was a charge of {$370.00} from XXXX XXXX through XXXX. I called to dispute and recieved an email directly after call of XXXX XXXX XXXX XXXX XXXX XXXX, 2023 and they said it might take up to 20 days but before XX/XX/XXXX. At XXXXXXXX XXXX. ( just 1 hour and 17 minutes later ) on XX/XX/XXXX... THE SAME HOUR I DISPUTED IT .... they sent me an email letting me know they investigated it and its denied. Wow. After I told them on numerous occasions that my id was stolen. I also disputed a charge from NUBmer of XXXX and they denied that. Then I had a XXXX atm withdrawl and 48 seconds later another XXXX atm charge... it was disputed and denied. I had a hard time getting through to somethat could follow along and when asked by me to speak to the XXXX of call center... they told me no. XXXX man hung up on me. these charges are the result of ID theft and yet this place wont back me up.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/2024 Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) I am submitting this complaint regarding violations of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) by EQUIFAX. 
Despite my previous correspondence ( XXXX  XXXX XXXX ] and XXXX XXXX dated ( XX/XX/2024 AN XX/XX/2024 ) which requested the removal of the above-mentioned account due to inaccuracies and failure to validate the information as required by law, EQUIFAX has not conducted a proper investigation nor provided the required documentation.

Reasons for Complaint : 1. Violation of the FCRA : o Investigation Requirements ( 15 U.S.C. 1681i ) : Your verification response did not include a sufficient description of the investigation process, as required by the FCRA. You failed to adhere to the obligation to provide a thorough and detailed account of the steps taken to verify the information.

o Permissible Purposes ( 15 U.S.C. 1681b ( 2 ) ) : The information provided did not comply with the permissible purposes outlined in the FCRA. The verification process failed to meet the established standards for handling and reporting information.

o Privacy Rights ( 15 U.S.C. 1681a ( 4 ) ) : The continued inclusion of this bankruptcy record and associated accounts infringes upon my privacy rights. The failure to follow appropriate procedures for handling sensitive information constitutes a violation of this section.

o Description of Investigation ( 15 U.S.C. 1681i ( 7 ) ) : Credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a dispute. To date, I have not received this required information.

o Invocation of 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) : I am invoking these provisions to request the removal of this account and to demand proof of its verification. The failure to complete this verification constitutes an abuse of my rights.

2. Violation of the TILA : o Disclosure Requirements : [ EQUIFAX ] failed to provide accurate and timely disclosures regarding the account status, breaching the TILA requirements.

3. Federal Consumer Protections : o Title 15, Chapter XXXX : The failure to provide adequate proof and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws. 
o Public Law 91-506, Title VI, Section 611, Subsections A-D : This law stipulates the procedures for the removal of inaccurate or incomplete information from credit reports. The response and verification process did not comply with these provisions, necessitating the removal of the bankruptcy record. 

Immediate Action Requested : Delete Immediately for Violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) : XXXX. Creditor Name : Account Name : XXXX XXXX XXXX Account Number : XXXXPresent below the inaccurate information persistently affecting my credit report.