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 on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX  alleging systemic issues such as failing to forwards consumer-provided evidence to furnishers 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 and any reparation 's for the hardships this issue has caused, as XXXX XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, please remove these fraudulent accounts from my credit report. I never authorized any off these accounts, I am a victim of fraud and these accounts on my credit report are further victimizing me.
Product: Credit card or prepaid card

This complaint is being filed for my XXXX Anywhere Visa Card ending in -XXXX regarding a billing dispute in the amount of {$510.00} with the merchant XXXX. A hotel stay was booked through the site " XXXX '' from XX/XX/2018 to XX/XX/2018 with a hotel in XXXX XXXX. An initial complaint was filed with the CFPB disputing the validity of this charge mentioning the condition of the room and how severely uninhabitable the room was upon me entering it. The carpets in the room was extremely dirty ; there were several leaks in the ceiling of the restroom which reeked of human feces and urine along with the fact that there was a severe bed bug infestation to the point where I developed XXXX and XXXX XXXX on my skin. All of this was mentioned during my initial dispute of this charge with Citi and documentation, including photographs, were provided to support my statement. 

I was told from the initial CFPB response that this was a " nonrefundable '' charge. I would like to address that point right now. I do acknowledge that this charge was non-refundable however, it was based on the condition that the hotel provided a room that was as advertised during my booking. The hotel deliberately and falsely misrepresented the condition of the room - which in turn, equates fully to false advertising. I should be fully refunded this charge based upon the misrepresentation of the condition of the room during my booking. The hotel DID NOT provide a room that was livable by any means ( as described above ). I developed XXXX XXXX on my skin that required hospitalization. I expect, at the very least, for this charge to be refunded as the hotel DID NOT live up to their promises and the expectation of providing a room that was as advertised during my booking. The hotel, instead, provided a room that was filthy, contaminated and infested with bugs. 

A civil lawsuit is in the works against the hotel for injuries suffered during this stay. Accordingly, this charge, at this time, should be rightfully reversed and a credit be given in light of the evidence submitted to Citibank during the initial filing of this dispute. Statements, backed up by photo evidence, was submitted during the initial dispute of this charge. I fully expect a credit for this charge as this hotel provided a room infested with bugs which was, extraordinarily negligent and illegal - on the basis of injuries suffered by me, gross misrepresentation and false advertising of the room.
Product: Mortgage

Out of nowhere I received a letter from XXXX XXXX XXXX that a notice of default was filed against my property, on a XXXX XXXX ( HELOC ) that I had applied with XXXX XXXX  XXXX. on XX/XX/2007. Since then, I did not receive a mortgage statement nor a payment from anyone in 15 years. XXXXXXXX XXXX never contacted me since the crash of XXXX. I contacted XXXX XXXX XXXX who took over XXXXXXXX XXXX loans and was not able to help me. I have been receiving phone calls from Specialized Loan Servicing company from a representative XXXX, she has been harassing me and telling me that if I do not send her a copy of my payoff from my first mortgage XXXX holder that they will foreclose on my home. XXXX gave my information without my consent to a loan officer XXXX XXXX ; XXXX XXXX was texting me telling me that XXXX from SLS had given her my phone number without my consent ( See attached Text message ). XXXX would call me and tell me that she could talk to XXXX to stop the foreclosure, and this was the only way to stop the foreclosure. Both XXXX and XXXX were always intimidated telling me what to do and that I didn't qualify, and I was going to lose my home. I have a XXXX XXXX on my home, and I am XXXX, and this was a huge surprise for me and my children. I had my niece call Bank XXXX XXXX and said that the XXXX HELCO was cancelled ( see attached letter from XXXX XXXX XXXXXXXX ) XXXX also at the beginning said they could help modify but at a higher loan amount. My XXXX XXXX loan amount was XXXX with XXXXXXXX XXXX
Product: Student loan

I am currently finishing my degree and am enrolled in school. Firstmark is servicing my XXXX student loan. Beginning XXXX XXXX, Firstmark erroneously put my loan into repayment status and began reporting to the credit reporting agencies that my account was past due. After XXXX phone calls to them, they finally updated the status of my account and " corrected '' my credit report. Then last month, they did the same thing - put my account back into repayment. I have called them twice and sent XXXX emails. I have also had my school fax them a completed copy of Firstmark 's form to confirm enrollment. In addition, the XXXX XXXX XXXX shows that I am enrolled in school. However, they applied the deferment and backdated it so it ended last month while I am still enrolled in school. They are also referring to my account as " delinquent '' and my account is showing XXXX months past due. I can not seem to get Firstmark to correct the status of my account. Further, I should not have to contact them so many times to correct it. They have access to the XXXX XXXX XXXX and the updates should be automatic.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN, My name is XXXX XXXX XXXX and I am writing this statement on my behalf. I recently discovered that I am a victim of identity theft and have had several accounts opened under my personal information without my consent. My information was used to obtain financial services or goods without consent. I am requesting that the following information be removed from my reports immediately. The accounts I am requesting to be removed are listed in this file and my personal statement below. Accounts to be removed : - 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Credco regarding their name appearing on my credit report. They stated that they're a third party. The Creditor that is attached to Credco is XXXX Which I never heard of. I am asking for this company to be removed from my credit reports. As I didn't authorize them to run my credit.
Product: Credit reporting or other personal consumer reports

Social security number is XXXX On experian credit report theirs is negative item that's fraud on XX/XX/XXXX experian removed that item they all of sudden the next day on XX/XX/XXXX it re appeared on my experian credit report I have a federal trade commission identity theft report on file normally they will removed or blocked the negative fraud items their was a error when they added it back on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove account which never belong to me and was opened like a fraud. I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Product: Checking or savings account

On XX/XX/year> I received a deposit for my sons XXXX XXXX, he is an XXXX XXXX however is still a XXXX I had no issues with my account until XX/XX/year> when I went to make a purchase in my account and could not. I contacted Citi to find out what was the issue and I was told that my account was on hold for a fraudulent transaction. I questioned what transaction that was fraudulent and they proceeded to let me know it was something from early XXXX which at the time was 33 days prior. But I was told that I had to wait to find out so 2 days go by to find out that my sons XXXX XXXX was XXXX of the issues and I said that was over a month ago why is it becoming an issue now, i was then told that it was my XXXX XXXX  and that i needed to add me to the account which was already my account and i needed to add my son to the account and they froze my account then made me wait days to send me the paperwork that they said i was needing. The paperwork was requesting my son to be added to the account which was against Citibank policy because he is a minor and I also couldnt get the papers notatized due to him being a XXXX. I begged an pleaded that i needed my funds because i had to get XXXX XXXX XXXX XXXX. This went on well into the month to where i have recordings where the agents were hanging up in my face, refusing to assist me and i went weeks unable to get the medication I needed and I had to borrow money to keep my lights from being turned off and i didnt have money for food and the every day necessities. I contacted the Citi XXXX response unit an was talked to really rude to me and saying yes it is against company policy to add a minor as a signer but i have to wait until they decide to close my account. I sent Citi XXXX department a demand letter and it went un responded to. I am at a loss i didnt get my money and I am having several hardships. I also want to add that I had moved back in XXXX and reported my new address and instead of my letters on this matter coming to my new address which is on file since i received a new debit card, but they sent all of the correspondences to an old address so that I would not receive the notices.
Product: Credit reporting or other personal consumer reports

I am a known victim of identity theft. I followed all of the procedures correctly to remedy the situation. I filled all of the reports I was supposed to with the authorities and sent them off to the credit bureaus with my ids and everything but it has been over 90 days and they have not responded to n eat all. I kjno wthat this is illegal. Please help me! This is causing me a lot of harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the following companies has violated my rights. 
15 U.S.C. 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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
Product: Student loan

Good morning. 

I co-signed for a student loan for my daughter in XXXX. XXXX XXXX XXXX XXXX XXXX sent the loan into collections because my daughter could no longer make the payments after she lost her job in XXXX. She received numerous deferments and was maintaing minimum payments until it wen into collections with XXXX XXXX or XXXX ( I'm not even sure if either of these companys were legitimate now ) around XXXX. I was paying the loan myself beginning in XX/XX/XXXX up until XX/XX/XXXX when my mother suddenly passed away. I asked the agency for more time unitl unitl I could get my mother 's funeral settled and her apartment cleared out but I was told no. The account was then transferred to Roosen Varchetti and Olivier. I was served with a Consent Judgment in XXXX XXXX, GA. I don't know what the origional loan amout is. I have no documents showing the bank that provided the loan. I've attempted to contact XXXX XXXX but to no avail. I think I'm being misled by the current debt collection agency because I've asked for monthly statements with shwoing current payments and the ballance due. I'm paying {$350.00} a month to this company and not sure where I stand. All I receive is an email stating that I made the payment. 

I'm trying to have my security clearance reinstated ( it was revoked because of the negative past due for this loan ). I'm could possibly lose my job if I can't show that I'm I current with this account. I stated this to the account rep for the agency but she states there's nothin she can do. I'm asking for assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for several months to get Equifax to lift credit freeze they put on my accounts by mistake.I can not reach a live person at the company. I can get a plain English answer or solution. Today, and this was not the first time this happened, I got TWO letters in the mail from Equifax. One o them said they had permanently lifted the security freeze. The other said they had permanently placed a security freeze on my account. This is maddening. I want the freeze lifted. Permanently. As I stated, this is not the first time I received two contradictory letters the same day ; I have attached the two letters I received today. PLEASE HELP. THANK YOU.
Product: Debt collection

I sent Wakefield & Associates a letter on XX/XX/2020 by certified mail. In this letter I both 1. disputed the debt and 2. clearly requested they " cease further communication with me unless there is a valid legal reason to do so. '' The tracking information from my certified mail receipt shows that letter was picked up from the post office at XXXX XXXX on XX/XX/2020. 

Wakefield & Associates sent me another letter prepared on XX/XX/2020 reiterating the same information they sent me prior to XX/XX/2020. There was no new information, and I did not request this letter. Nor was it : ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 

as such, it didn't constitute a valid legal reason to contact me despite my request to cease all further communication. This was a violation of the FDCP. 

I sent Wakefield & Associates another letter on XX/XX/2020 through certified mail. Tracking shows it was received by them at XXXX on XX/XX/2020. This letter made them aware of the violation, and notified them a second time that they must cease all further communication. 

Wakefield & associates sent me another letter dated as prepared on XX/XX/2020, reiterating the same information as before. I did not request this letter, nor did it consist of a valid reason to contact me. 

In summary, they've violated my request to cease all further communication twice. Once on XX/XX/XXXX, and another time on XX/XX/XXXX.
Product: Debt collection

My complaint is against Wayfair Resource Group, a collection agency, acting on behalf of XXXX XXXX. My first complaint is that I was never made aware that this debt was sent to a collection agency or my options to resolve the debt. I only learned that is was on my credit report when trying to refinance my home. 

My primary complaint against Wayfair is that on my initial call with them ( on XX/XX/19 ), they assured me that the incident would be removed from my credit report if I paid the amount ( {$280.00} ) in full. This turned out not to be the case. I paid the the full amount, over the phone with Wayfair, on that initial call on XX/XX/19. When I spoke to my mortgage company on XX/XX/19, they told me the incident was not deleted from my credit report, just noted as paid, and therefore my credit score would not go up as a result.XXXX  I called Wayfair on XX/XX/19 and again on XX/XX/19 ( I spoke to XXXX XXXX the second time ). They both told me that Wayfair policy is to not delete the incident, but just to show it's been paid. I told them I felt they misrepresented what actions they would take in an effort to collect the debt from me. I asked that a supervisor call me. 

On XX/XX/19, I spoke to XXXX XXXX of Wayfair. His direct number is XXXX. He stated that he listened to the first recorded call and disagrees that I was promised that the incident would be deleted from my credit report if paid in full. I asked him why the incident could not be removed. He stated that it is because of " part of XXXX 's contract with XXXX XXXX '' and that to remove the incident would be breaking the contract with XXXX XXXX. I relayed to XXXX XXXX that I believed I was coerced into paying the debt based on false representation and would be filing a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX am writing to complaints on wrong informatin on my credit report. Following addresses are inaccrate and not my current ot correct addresses : XXXX XXXX XXXX XXXX, FL. XXXX, XXXX XXXX XXXX XXXX, NY XXXX, Following inquiries are on my report that were not applied for by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been tryin to remove incorrect information from my report over a year now. 
I have account XXXX on my report that shows : First of all, the dates of an activity are years apart. Equifax shows XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. Based on above information, XXXX of the dates XXXX be correct, but XXXX others obviously not. Or maybe all XXXX are incorrect. This information is inaccurate and violates my rights. 
Second, if the dates of a last activity are XXXX and XXXX then how is possible that on XX/XX/XXXX XXXX reported positive activity? 
XXXX did not delete this mistake when I was trying to solve it last year. Instead they asked me to contact creditor. 
I did contact the creditor and haven't received any proving information from them. 
Last time I sent letter to XXXX in XXXX and they haven't responded ( see attached Return Receipt ). 
So now I'm being kicked from one to another wasting my time and nerves. 
I need a help of authorities in this matter. Thank you.
Product: Debt collection

Sent Letters requesting documentation to verify this information is mine and is correct on : First Letter on XX/XX/XXXX second letter on XX/XX/XXXX third letter on XX/XX/XXXX Received a letter from the Credit Bureaus XXXX XXXX  and XXXX XXXX saying account has been verify but never received any supporting documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly.

DEPTEDXXXX XXXX Balance : {$1500.00} DEPTEDXXXX XXXX Balance : {$1600.00} DEPTEDXXXX XXXX Balance : {$1700.00} DEPTEDXXXX XXXX Balance : {$2600.00} DEPTEDXXXX XXXX Balance : {$2100.00} DEPTEDXXXX XXXX Balance : {$2100.00} DEPTEDXXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$8700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX I have reached out to each company and havent gotten any positive results I do not recognize any of the above inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ACCOUNTS ATTACHED TO THIS COMPLAINT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS FOR I HAVE HOLD AN EXCELLENT MEMBERSHIP STATUS.