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

I was alerted by Experian on XX/XX/2021 that a hard inquiry was created on my credit report from XXXX/XXXX  I XXXX who the company was and I don't own a pet. It's a pet store. It was done in error or fraud. Help me to get this false reporting off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification in my email that XXXX completed their investigation into my dispute of the following accounts ; File XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have faxed this information and sent certified mail to both Equifax and XXXX in regard to these same accounts. I demand that XXXX and Equifax remove these items immediately. I have been advised by my attorney to file a complaint here prior to proceeding with a lawsuit. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I began credit in XXXX. I had been living in XXXX, pa, for about two years then. People began using my personal information without my consent. In XXXX i was a victim of identity theft and did everything in my power to fix the issue at hand. I was sent a letter from my bank in XXXX that I have no credit or delinquent credit, like if I 'm not even in the map.I
Product: Money transfer, virtual currency, or money service

We made XXXX XXXX come to our house and talk about installing solar panels on our house.XXXX  XXXX.We were approved for the loan.XXXX Green Sky gave XXXX XXXX money to buy the equipment.Without verification from usXXXX XXXX  panels where installed.Green Sky paid XXXX XXXXWe where told Electric company had to come out and install new meterXXXX Electric company came out.installed new meter XXXX XXXX was paid. Without verification that the work was completed.Solar panels are still not working and we are getting higher electric bills .We have call both companies over 10 times and no one has resolved the problem.They also try to i stall a smaller unit than the one we had contacted for our house.
Product: Credit reporting or other personal consumer reports

The company kept giving incorrect account balances and payment amounts. This went on for XXXX years. The account was finally settled with a signed settlement but my credit has still not been repaired. XXXX XXXX XXXX caused my account ton show numerous late payments for over 3 years but has yet to resolve them.
Product: Money transfer, virtual currency, or money service

I called Citibank retirement services in XX/XX/2018 asking them if there were any fees in transferring my traditional IRA to an IRA with another institution. I gave my account number and all information. I was told that if the other institution requests the transfer with my consent there would be no fees. 
I was told to go into the branch to fill out the forms. 
I went into the Citibank on XXXX XXXX branch and asked again about the fees and was told there weren't any as long as they were not writing the check out to me and another institution was doing the transfer. I got the paper work and filled out the paper work and sent to XXXX the institution I was transferring the IRA to. 
I then receive proof of transfer from Citibank retirement services and there is a {$75.00} dollar charge. The transfer was done on XX/XX/2018. It is not stated if it was a wire transfer or check, but filled in the account numbers to my understanding it would be a wire transfer. 
I called Citibank retirement services on XX/XX/18 XXXX pm and spoke with the supervisor asking him to reverse the charges since there was no where online stating this {$75.00} dollar fee and I had called Citibank retirement services and went into the bank both times told there were no charges. The supervisor kept talking over me saying they had to send a check to the other institution and that's why. He also kept saying how there was no minimum to have an IRA with them. Ridiculous answer. There is no fee in most institutions for an IRA. I am giving you my business and depositing money. Outrageous attitude for a manager or a retirement plan. What does this have to do with me?? I transferred one traditional IRA to another and had the other institution handle this. Citibank didn't notify regarding the fee. Their customer service workers were unknowledgeable both over the phone and at the branch. Not a place I want holding my IRA. This is fraud pure and simple and this institution wasn't forth coming. I will be contacting an attorney and suing for damages. I should not have to pay this fee. If this was something that was sent in my welcome package 20 years ago this is still no excuse since my expectation is that when I call I will be told the information I need. They are also constantly changing polices. I should not be accountable for this fee and it should be reversed. I would also never open another IRA with this bank nor recommend anyone else to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureau to complete a thorough investigation of my report. They stated everything was accurate. After i completed my investigation, I verified there was multiple improper inaccuracies on my report. I have attached all account numbers and names to documents for review. 

In accordance with the fair credit reporting act my rights has been viloated. 

15 U.S.C 1681 section 602A 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.
Product: Mortgage

The following are a list of errors being asserted and requests for additional information covered by Regulation X, 12 C.F.R. : 1. Failure to provide an accurate payoff statement in violation of 1026.36 ( c ) ( 3 ). I received a Notice of Reposting and Sale notice from XXXX XXXX XXXX XXXX XXXX, XXXX. ( Exhibit A ) to foreclose on my house on XX/XX/XXXX. I have requested an accurate payoff amount which they have not provided. A Debt Collector in the state of Texas must validate the debt and 5 days prior to a foreclosure they are not able to provide anything. 

2. To date Select Portfolio Servicing ( SPS ) has not provided the historical records from the two previous loan servicers, XXXX and XXXX XXXX XXXX, to support alleged interest owed by me. Again, a current payoff statement has not been provided and a foreclosure is scheduled for XX/XX/XXXX. 

3. The principal amount owed on my note increased by {$7600.00} according to records provided by SPS to the CFPB in previous complaints ( Exhibit B ). SPS has not provided an explanation nor any documentation as to why the principal balance of the note increased by {$7600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Equifax are reporting addresses that do not belong to me. I have disputed this incorrect information on multiple occasions and I have not had any success getting this incorrect information removed from my credit report. The following addresses I also disputed with XXXX and they were removed as the properly should have been under my rights through the FCRA. The incorrect addresses are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These are the incorrect addresses that are being reported by XXXX on my credit report. As for Equifax, I disputed the incorrect address and I also sent an image of my utility bill. They added my correct address but did not remove the address I disputed with Equifax. The incorrect address that are being reported is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As I previously stated these addresses were properly removed from my XXXX credit report upon request, however my attempts to dispute them with XXXX XXXX Equifax have not been successful. My current and only address should show as the following : XXXXXXXX XXXX XXXX XXXX XXXX XXXX. This is my accurate address and any other addresses should be removed under my rights through the FCRA.
Product: Mortgage

Back in early XXXX, I accidentally paid my taxes to the county, when, in fact, the mortgage company had already paid the taxes due. I have been trying to get a refund over {$3700.00} since XXXX XXXX XXXX  I have a letter from the mortgage company stating that they are awaiting the county to reimburse the overpayment. dated XXXX XXXX XXXX Speaking with the county, the county claims they sent it back electronically to Chase on XXXX XXXX However, Chase claims they never received it and Im caught between catch XXXX. I need help resolve the situation. 

Regards, XXXX XXXX
Product: Debt collection

XXXX - Placed a call to XXXX XXXX to cancel trash service and schedule pick up of carts on XXXX, prior to the pick up service. Was informed of the {$30.00} per cart fee = {$60.00} as well as the XXXX XXXX of {$5.00} = Total of {$65.00} which we paid over the phone on XXXX. I was never informed that it takes XXXX  days to cancel a service and therefore they charged us for these XXXX  days even though they picked up the carts and did not provide any pick up service during these XXXX  days. I made them aware of this on XXXX over the phone and also indicated that it was not right for them to charge us a fuel charge during this time as there were no vehicles traveling to our home for service. Lastly, they continued to charge a late fee during this time of discrepancy in which I was promised that someone would reach out to me to finalize this account. They never called back. I am disputing this collection of a debt due to the fact that there was never a service performed during this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 which states I have the right to privacy 15 US WSC 1681 section 604a section 2. It also states a consumer reporting agency can not furnish an account without my written instructions on the 15 US CS1666 be a creditor may not treat a payment on credit card accounts under an open and consumer credit plan as late for any purpose
Product: Debt collection

The collection first appeared on my credit report in XX/XX/2023. The original creditor is XXXX and the original collection agency was XXXX XXXX XXXX. XXXX XXXX never sent a notice, I first became aware when the collection appear on my credit report. I requested validation of the debt. They did not reply and instead sold the debt to National Recovery Agency while verifying the debt as accurate with the credit bureaus.

I reached out to National Recovery to validate the debt and never heard back. My attorney sent the attached letter titled " National Recovery '' in XXXX and we never heard back/ they never took steps to validate the debt. Yet they continued to verify the debt with the credit agencies. 

Subsequently, my attorney sent the other letter attached " Letter to Credit Bureaus '' in XXXX. Yet somehow the company continues to verify the debt with the credit bureaus without providing any documentation or validation. 

I am not sure how/why I am stuck in this loop. But, bottom line, the debt was never validated/verified and they continue to blatantly ignore correspondence while somehow verifying the debt as accurate with the credit bureaus. As far as I know I paid everything I owed to XXXX. I think this is some sort of mix up that they absolutely refuse to prove.
Product: Credit reporting or other personal consumer reports

I have two emails today sent from Experian related to my Credit Report. I have no way of opting out of the emails. I dont want no emails from Experian. I told Experian to stop working on my credit report without my permission until arbitration is finished Experian have fully committed fraud. Making false statements to creditors is fraud I want the employees id that dont this I want them fired Im going to sue this company in arbitration I want arbitration found immediately based off this companies abusive ongoing actions. I will not wait. Theres nothing that you can do to fix this situation. The damage has already been done. 

I want the legal department email today I can not get through the phone for nothing. Its been a month.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I sent XXXX XXXX or XXXX {$650.00} on XXXX in exchange for a purse in which she has not replied therefore I was scammed. I called my bank XXXX in hopes of it being resolved however they are unable to help seeing as though it was authorized
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2020, I SENT A LETTER TO XXXX AND TRANSUNION DISPUTING THE INACCURATE AND INCOMPLETE ITEMS THAT THEY ARE REPORTING ON MY CREDIT REPORT ANS HAS NOT GOTTEN ANY RESPONSE DEALING WITH THE NEGATIVE ITEMS.I ALSO ATTACHED A COPY BELOW ASKING FOR YOUR ASSISTANCE IN THIS MATTER.
Product: Debt collection

Reported By : RECEIVABLES PERFORMANCE Account Balance : {$1300.00} * Open Date : XX/XX/2020 They are putting a derogatory mark on my credit report when it is known that this was agreed by XXXX to be closed. The contract was ended and I sent all the equipment back. Now they are harassing me and saying that I owe this debt. My contact was ended. My balance was {$0.00} after they assured me that since the service didn't work in my area they would waive the cancellation fee of the contract. They are making false claims and hurting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Reported : XX/XX/2019 {$9000.00} There is no contracts, no valid claims ... account was settled with creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute XXXX.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Product: Credit reporting or other personal consumer reports

I am disputing some items that need to be deleted. I have highlighted the disputed item on the attached copy. The reasons why these items should be deleted are indicated below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Reason for deletion : Reporting late payment. However, the account has never been late. Investigate and remove ALL late payment history. 

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days.
Product: Debt collection

I sent a letter to Bull City Financial Solutions on XXXX XXXX XXXX, about some collections they reported on my credit report. I told them I was writing them a letter to tell them to send the debt back to the original creditor XXXX XXXX that sold it to them. It's illegal but not enforceable for a collection agency to buy debt from another company, then go after that person as if they had a contract with their collection agency. I know this collection agency does not have any paperwork showing that I made agreements with you with my signature. I told them that if their collection agency does not send this debt back to the original creditor, I will file a complaint with the CFPB, XXXX, FTC, and Attorney General. Also, I will hire a consumer attorney to sue your company for injuries up to XXXX. I will also file complaints against the credit bureaus. Despite a previous written request on XX/XX/XXXXthese debts, which I told them to send back to the original creditor, remain on my credit report in violation of federal law.


Re: Account #'s
XXXX XXXX XXXX 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

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a through investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. SS 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. ss5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. ss 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. ss 5335 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. I am a victim of false & inaccurate reporting. I have disputed many times & they continue to verify accounts that dont belong to me. XXXX is the only reporting agency who seen I was being taking advantage of and deleted all accounts in my dispute. So if XXXX couldnt verify these same accounts, I will like to be supplied with the investigation process XXXX and XXXX used to verify these accounts. They've furnished 3 accounts that dont belong to me on my report with out proper investigation. Two of which states that I have a collection account with XXXX XXXX  and XXXX XXXX  doesn't own that debt! So those accounts need to be removed immediately because its entirely false. And a XXXX XXXX XXXXXXXX account that I will need proof for as well. I will attach below.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Previously I requested Equifax remove the fraud alert and file blocked for promotional purposes from my credit file. On XXXX XXXX Equifax sent me confirmation XXXX that this was removed. Since that date I have not asked Equifax to add the fraud alert or promotional blocking to my credit file again. Yet on XXXX XXXX, 2015 Equifax mails a letter saying they 've placed the alert on my file as requested. I DID NOT REQUEST THIS AGAIN. Equifax made this choice on their own without a signed request from me. This fraud alert is affecting my recent applications with XXXX for a car loan now.
Product: Credit card or prepaid card

I had a fence put in XX/XX/2017 and was told there would be a 24 month deferred no interest, I got my bill and saw it was only 6 months, I called Wells fargo several times and they told me the agreement was with the fence company not wells fargo, yet I am paying wells fargo credit card. I have been paying every 2 weeks and now they have put a XXXX interest rate on my card on the XX/XX/XXXX statement.