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

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, Experian, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : EXPERIAN : 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 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

Sent Dispute to Equifax certified mail regarding dispute. See CFPB compaint # XXXX. The CRA has failed to respond within 30 days regarding investigation. CRA recieved certified letter on XX/XX/2019 XXXX am. Equifax has failed to respond to dispute within 30 days. Under current regulations, in reference to response time, I am now requesting a complete deletion from my credit report and requesting that a full report be sent to me stating that this entry has been deleted and reflected in a full report.
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  : account # XXXX, XXXX XXXX : account # XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report 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 reasonable cause to believe that the information is inaccurate
Product: Credit card or prepaid card

Capital one credit card customer servise just is not there. there were XXXX charges for the same transaction on XX/XX/XXXX. We tried to talk to the business there was no one there since it was a car wash. 
Capital one sends an alert when something like that happens and says on the alert if that should be disputed. when I pick that option the the message is " oops something went wrong, try later '' when yo try later same message keeps repeating. when you call they dont pick up and calls drop. 

last year we ordered a chandeliar online. it was defective. Could not be used. They would not return the money unless I physically returned. since we do not have a way to return such a latge piece and the merchant would not pick it up for a charge we were never given our money back. 

When a defective product arrives and they dont fix it ( merchant ) we bite the cost.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Unverifiable Accounts Dear Credit Reporting Department, I am writing to formally request the removal of an accounts from my credit report as reported by [ Equifax ] This request is based on the recent deletion of an accounts by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-os for ( XXXXXXXX XXXX XXXX XXXX account : XXXX XXXX XXXX account : XXXX XXXX XXXX XXXX  account : XXXX XXXX XXXX XXXX XXXX XXXX. account XXXX XXXX XXXX ) The companies listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of ( XX/XX/year> ) According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. 

Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right. 

to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2021
Product: Debt collection

This company has sued me in Court in XXXX without ever notifying me of an attempt to collect, for a debt that is not mine. The first I was made aware was when I was served at home.
Product: Debt collection

On XX/XX/XXXX Capital One Bank sent me a notice confirming that they sold accounts were included in a bankruptcy filing on XX/XX/XXXX, On XXXX XXXX before the case was dismissed on XX/XX/XXXX. This is illegal. I have sent multiple complaints about many violations with the sale, collections practices and validity of accounts they sold to XXXX XXXX XXXX Capital One Case # XXXX CFPB Complaint # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the items 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 these items ( A ). It is not permissible to fail to validate these reporting items as unverified items without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that needs to be investigated and corrected : 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 card or prepaid card

XX/XX/2019 Auto debt for my Citibank thank you card in the amount of XXXX $ was supposed to be debted out of my checking account. Instead close to {$4000.00} was debted out. Leading to a missed payments of my mortgage, daycare, and other utility bills. The company states that they will look into the situation and get back to me within 2-3 business days. By that time I will have racked up over {$300.00} in return charges.
Product: Debt collection

XX/XX/2020 Collection company ( M & M Credit ) is saying I owe {$590.00}. I have disputed and explained this is debt is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet.i feel like im being taken advantage of. I demand these accounts be deleted immediately. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit card or prepaid card

First Progress Card did not give me a provisional credit for a dispute that I filed on XX/XX/2020. Violation of Regulation e. The case ID number is XXXX, I still have not received my item from merchant XXXX.
Product: Debt collection

syncs/care credit and XXXX XXXX/ XXXX  are reporting negative on my credit report and i have not opened an account with them. i have tried calling them but have not be able to get any help resolving this problem
Product: Credit reporting or other personal consumer reports

I am writing to formally report that a XXXX XXXX XXXX credit card account was fraudulently opened in my name without my knowledge or consent. I have never used phones, laptops, or any form of technology to manage financial matters, which is why I was completely unaware of this account for a significant period. 

I only recently discovered this fraudulent XXXX XXXX XXXXXXXX credit card account on my credit report when it became delinquent. I want to make it absolutely clear that I never authorized this account, and its existence is a severe breach of my personal and financial security. 

I demand the immediate removal of this fraudulent account from my credit report and the correction of any associated negative marks. This situation has caused significant XXXX  and damage to my reputation, and I expect prompt action to rectify this issue.
Product: Mortgage

Ditech is the servicer on my mortgage loan. I have not had an escrow account in years. I paid my  taxes in full the end of  XXXX  for the full year of   XXXX  . Ditech sent me a statement on  XX/XX/XXXX  and attached an escrow account and billed me for it. By law they are not allowed to do this unless I am delinquent on taxes or insurance. I am not. My mortgage payment on my loan terms is {$640.00}. I have automatic withdraws on my bank account and they are taking {$970.00} a month. I called on     XXXX   XXXX   XXXX     when I realized what happened. I spoke with  XXXX  in the  Tax Dep artment. She said it would be corrected in  5-7 days. S he admitted that they made a mistake and paid  XXXX   county  my taxes for   XXXX  . I faxed them on the same day proof I paid my taxes to  XXXX . I received confirmation they received this. In   XXXX  , they charged me the correct amount of {$640.00}. On  XX/XX/XXXX  I called again and spoke with a  manager  named  XXXX . These calls are recorded by the way. She said there were waiting for a refund from  XXXX  county before the refunded my money and quit charging me for an escrow account. She mentioned it was their mistake as well. However,   XXXX   and   XXXX   they took {$970.00} again. I called back on   XXXX   and spoke with  XXXX   XXXX  in the tax department of  Ditech a nd his  manager   XXXX . They both promised it would be resolved in a few days as well. Now they are taking {$810.00} out of my account. This is the  XXXX  month that I 've had to take an hour out of my day to call and try and get them to stop taking my money. This is illegal and it 's not my fault that they made a mistake and paid my taxes. My loan terms clearly state that I do not have an escrow account. I 'm frustrated, want my money back with interest and want them to stop taking money from my bank account illegally. I can n ot imagine how many other people they have done this to. I 'm sure I 'm not the only one.
Product: Student loan

Nelnet is misleading consumers regarding how excess loan payments are allocated. In XX/XX/XXXX, I learned that Nelnet had grouped two different loans ( different dates of origination and different interest rates ) so that my excess payments were misapplied. Nelnet had to " redisclose '' the lower interest rate loan, and as a result, I had to either ( 1 ) pay an extra {$300.00} a month ( in addition to my regular monthly payments ) to continue to make payments on my loan that were paid in advance or ( 2 ) make no payments on the loans paid in advance until they became due.

In addition, when I had them ungrouped, I gave special instructions to Nelnet that I wanted all payments in excess of my minimum payment to be allocated to the highest interest rate loan. I reviewed my account today and, with the payments having been inappropriately allocated in spite of my many calls to Nelnet, I once again called. They told me that the Nelnet policy was to apply excess payments to " the highest interest rate loans with the largest loan balance. '' In reality, they were allocating my payment to apply my excess payments to the lowest interest rate loan because it had the largest principal balance. They also had changed my autodebit amount ( again ) without my permission because, per customer service, FEMA issued a disaster declaration for my area and mandates that all loans be put in forbearance.
Product: Credit reporting or other personal consumer reports

Everytime I try to file a dispute with transunion it instantly takes me to a feedback page.i cant get them on the phone ... .everytime I try to reach XXXX it says they dont recognize my account or tell me I dont have a credit score which I only see scores from transunion or XXXX... never can reach XXXX believe XXXX got my dispute... I shouldnt have any inquiries but for the 2 credit cards I qualified for ... XXXX XXXX XXXX XXXX XXXXXXXX ..ive never been late on any payments.i made 12 {$60.00} payments in one month on my XXXX XXXX card ... .I would max it and pay it off before a statement or due date ... ppl say never go over utilization and its true.but on a small limit card, you max it out but pay it all off before statement and it shows you need an increase and my nephew got {$2000.00} showing him that but you dont do it on a higher limit ... ive tried and tried to dispute everything on my report because I shouldnt have anything period but I cant get them
Product: Credit reporting or other personal consumer reports

For about 9 years there has been a credit card listed on my report that i never opened. This account has been used fraudulently resulting in a large balance reported on my credit report. The account " XXXX XXXX was opened on XX/XX/XXXXXXXX  with a balance of {$22000.00}. I first discovered this back in XXXX. I had no knowledge of this account prior.
Product: Money transfer, virtual currency, or money service

I have two issues with Paypal.com. First issue is that I am not able to receive funds from XXXX  buyers. I have spent hours and hours of time on the phone with over a dozen times including supervisors to remove the limited access from linked XXXX account. XXXX has said only Paypal.com can remove, and PayPal says it is fine on their end. 

Second issue is that there was an unauthorized transaction for XXXX from my XXXX XXXX account. This payment was to be sent from my XXXX bank, and was further cancelled by the recipient, however my XXXX XXXX bank still received a request for FUNDS. I submitted a resolution request, and their canned response was it was authorized as usual. I have provided the last two payments showing it was taken out from my XXXX account. The XXXX XXXX payment that I did NOT authorize shows as cancelled. XXXX XXXX has charged a {$35.00} fee because of this glitch or mistake. I had close my bank account for fear of a compromised account.
Product: Debt collection

On XXXX XXXX XXXX, received call from associate XXXX. Said associate failed to provide proper call disclaimer. 

I immediately asked said associate to provide the name of the person that called my phone two days ago. Said associate disregarded the question and proceeded to third party debt collection requests. I asked a third time and was asked why u needed the name. I inquired of the name because the associate that phone left a voicemail advising the call was from a debt collector ... which is against FDCPA requirements. XXXX persisted today advance her script of collecting the debt and I refused to entertain as my question wasnt answered. XXXX advised it was my debt and that my credit would suffer and disconnect d the call. 

I called the company back. Asked to speak to a manager. Call was transferred to XXXX XXXX. Initially said manager appeared attentive and concerned. However, he then disengaged and proceeded to collect his alleged debt. I advised my complaint about XXXX was not addressed. After moments of back and forth the manager wanted me to give permission for him to discuss the debt. I advised I never received the requir d thirty day notification. Manager advised the letter was sent twice. I not d I called in a few weeks ago and was provided a website to pay the alleged date with th account number. However said manager noted there was no inbound call from me noted in the record. When I pressed the topic, his storyline changed to acknowledge the call. However when it was apparent I wasnt acknowling th alleged debt XXXX advised he had other callers willing to pay their debts and I could call back when I was prepared. He disconnected the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Trans Union XXXX Derogatory marks View all accounts COLLECTIONS XXXX XXXX XXXX Opened XX/XX/2019 {$250.00}
Product: Credit card

Disputing information pursuant to a prior account with Synchrony Bank. Attached is in detail the information being disputed. Company, Synchrony Bank has not fulfilled their obligations in full while under contract. All pertinent information has been provided for Synchrony Bank to properly assess the account.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX a report of a delinquent payment was posted to my report on an account that was paid in full on XX/XX/XXXX though Equifax by XXXX XXXX XXXX XXXX
Product: Checking or savings account

On numerous occasions, Lexington law firm took out hundreds of dollars in my account. I have called them and told them they were too expensive and to close my account but they did not close it and kept taking money out sometimes a XXXX dollars a week
Product: Debt collection

I was contacted by Affirm and/or XXXX  stating I qualified for an upgrade because I had paid off more than half of the amount of the XXXX XXXX. I went ahead and took advantage of the opportunity to upgrade. One of the conditions were to send in the XXXX XXXX and once it has been evaluated for it's value. The remaining balance would be paid off. I received an email stating the balance would be paid off. Unfortunately, Affirm tried to attempt to take the monthly payment despite the confirmation the balance would be paid off. I found out this was blemish on my credit report, is when I went to the dealership to purchase a vehicle. Again the XXXX XXXX balance was paid off. I attempted to get the matter resolved by contacting Affirm.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the XXXX XXXX XXXX by the silence of XXXX. XXXX XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists, ( please remove this account before I seek litigation for defamation of character. ) XXXX XXXX {$840.00}, XXXX XXXX XXXX XXXX {$530.00}, XXXX XXXX XXXX XXXX {$830.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living being. I have rights under 15 USC 1681. 

XXXX is governed by 15 USC 1681, and they are NOT the original creditor of XXXX XXXX, this can not be so. XXXX XXXX has violated my rights numerous times by alleging that a debt of {$1400.00} USD is owed that has already been disputed and deleted from my credit report, this can not be so. 

XXXX has fraudulently double backed and reported a debt that has already been DISPUTED and DELETED from my credit report before, and it is now reappearing after such actions, this can not be so! 

I have not supplied proof under doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

I am hereby demanding that this derrogatory/invalid account be REMOVED from my credit report. According to 15 USC 1681 : I have the right to privacy and I did not give XXXX the right to furnish this account.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, JPMCB and XXXX XXXX XXXX XXXX ran my credit without my knowledge and permission and add a hard inquiry to my account On XX/XX/XXXX, I bought a XXXX car financed with XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
PROVIDER OF SERVICE XXXX XXXX XXXX XXXX To Whom It May Concern : I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that under the FCRA 15 U.S.C 1681i, every single one even each, any or all unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide standards according to regulations. 
The FOLLOWING derogatory accounts allegations are either, UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW. The obvious infractions are as follows : Alleging Creditor and Account as is reported on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX By the provision of the Fair Credit Reporting Act and per the standards of the reporting compliance implemented with the XXXX  enacted XXXX Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report.