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

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

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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Back in XX/XX/2020 i field a dispute for {$860.00} with the card issuer They never responded to my dispute, so when the next statement arrived i contacted them again they took the dispute and never notified me that they were unable to recover the charge. So i filed another dispute in XX/XX/2020 i received my statement and filed yet another dispute because of the cover they never responded so in XXXX again i refueled it. they removed the charge and never received the outcome Now as today XX/XX/2020 my statement came and the charge was put back on my statement. i spoke to them and they said that they were still working on the dispute so i asked them if its in dispute why has the XXXX on my statement it should be removed but they insisted that i must pay the balance with my disputed amount I thought that i can be billed for the disputed amount until its resolved Also my last 3 payments to them were never received and they have added XXXX X 3 on my bill.
Product: Payday loan

I am responding to your contact about collecting a debt. You contacted me by phone at XXXX and XXXX as well as mail XXXX XXXX XXXX XXXX XXXX XXXX NC, also address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC on XXXX/XXXX/XXXX And identified the debt as Advance America this matter has been in dispute since XXXX have been back and forth with this company over and over since XXXX and XXXX about this debt I have expressed to this company many times that I had identity fraud and sent them the paperwork that they want me to fax over back in XXXX this company has been harassing my family and leaving message on my job phone this need to stop now the police report number for this XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is mistake in my report "  XXXX   XXXX   XXXX  Account #  XXXX  '' I do n't recognize this account
Product: Credit reporting or other personal consumer reports

Experian, Equifax, and TransUnion Demand for Immediate Action To Whom It May Concern, I am filing this formal complaint against Experian, Equifax, and TransUnion due to their repeated failure to accurately report my credit information, respond appropriately to disputes, and adhere to the Fair Credit Reporting Act ( FCRA ). Their negligence has caused undue financial harm, and I demand immediate corrective action. 

Violations Committed by the Credit Bureaus : 1. Failure to Correct Inaccuracies : Despite submitting multiple disputes with supporting documentation, all three bureaus continue to report false and misleading information, negatively impacting my creditworthiness.

2. Lack of Proper Investigation : It is evident that my disputes have not been thoroughly investigated, as errors remain unchanged, violating my rights under the FCRA.

3. Failure to Provide Proper Documentation : The bureaus have failed to supply verification of the disputed accounts or valid proof of the reported debts, further demonstrating their noncompliance with federal regulations. 
4. Obstruction and Delayed Responses : I have experienced excessive delays, lack of communication, and outright dismissal of my disputes, which is unacceptable.

Demand for Immediate Resolution : I demand that Experian, Equifax, and TransUnion take the following actions without delay : Remove all inaccurate, unverifiable, and outdated information from my credit report immediately. 
Provide detailed documentation proving the validity of any disputed accounts that remain. 
Ensure full compliance with the FCRA and cease any further negligent reporting that damages my financial standing. 

Failure to address these violations will result in escalated legal action, complaints to additional regulatory bodies, and potential litigation. I expect a formal written response within 15 days, as required by law. 

This is not a requestit is a demand. I expect immediate corrective action, or I will pursue all available remedies to hold these bureaus accountable. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I used a XXXX XXXX  credit card with PayPal. Of the two sites I reported, one proved fraudulent, I am independently compensating the other. XXXX has resolved both concerns. Paypal refuses to close the 'open concerns ' and thereby, refuses to allow me to close my account. I need your help. 
PayPal case ID XXXX Paypal case ID XXXX. 

All I want to do is close the PayPal account... forever. 
Thank you, XXXX XXXX XXXX
Product: Student loan

HELLO, I HAVE TRIED NUMBEROUS TIME TO GET A FORBEARANCE OR DEFERRMENT ON BOTH MY STUDENT LOANS WITH AMERICAN EDUCATION SERVICES. RECENTLY, BECAUSE OF THE COVID19 VIRUS, PRESIDENT XXXX PUT A NEW EXECUTIVE ORDER THAT ALL STUDENT LOANS BE DEFERRED UNTIL THE NEW YEAR. I NOTICED THAT MY STUDENT LOANS WERE SHOWING AS DELINQUENT ON MY CREDIT REPORT AND WHEN I CALLED AES, I WAS TOLD THAT MY LOANS DID NOT COUNT AS PART OF PRESIDENT XXXX 'S EXECUTIVE ORDER, BECAUSE AT SOME POINT, MY LOANS WERE CONVERTED TO PRIVATE LOANS, AND THEY EXPLAINED THAT PRIVATE LOANS WERE NOT INCLUDED IN THE EXECUTIVE ORDER. I SENT MANY EMAILS TO THEM REQUESTING INFORMATION AS TO WHEN MY GOVERNMENT STAFFORD LOANS WENT PRIVATE AND THEY HAVE NEVER RETURNED MY REQUEST. TO DAY MY LOANS ARE STILL SHOWING DELINQUENT EVEN THOUGH I TRY TO PAY THEM {$100.00} A MONTH TO CATCH UP, BUT I SHOULD NOT HAVE TO BE PAYING THEM ANYTHING DUE TO THE EXECUTIVE ORDER.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting 3 student loan accounts with incorrect original delinquency dates, which is preventing them from aging off of my credit report. All of these accounts went into repayment per the promissory notes in XX/XX/XXXX, and they have never been brought current. However, XXXX re-aged them in XX/XX/XXXX after my chapter XXXX bankruptcy plan was completed, and is reporting them with an original delinquency date of XX/XX/XXXX. They are scheduled to be removed in XX/XX/XXXX, but they should be deleted due to their age. 

I have attached the complete account history for all 3 loans and they show the 1st late fees charged on XX/XX/XXXX, which is the true original delinquency date. There have been some payments made to the accounts, but they were made involuntarily by my bankruptcy trustee during my chapter XXXX bankruptcy, which was from XX/XX/XXXX-XX/XX/XXXX, & the amounts the trustee paid were not enough to bring any of the accounts current. 

I notified the creditor in writing with no response after 90 days, then reported to credit bureaus and have received no resolution after 30 days. I do not agree that I owe these debts, the accounts are over the statute of limitations in my state, and the accounts have been reported as delinquent on my credit report over the maximum reportable time per the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX was supposed to delete this incorrect account from my credit report/ They sent me a letter back in XXXX and this account is still being reported. I demand it be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance With The Fair Credit Reporting Act XXXX  Account # XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Has Violated My Right.. 

15 U.S.C 1681 secton 602 A. I Have The Right Privacy.

15 U.S.C 1681 secton 604 A Section 2 : It Also States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions..

15 U.S.C 166b A Creditor May Not Treat A Payment On A Credit Card Account Under An Open And Consumer Credit Plan As Late For Any Reason..
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XXXXXXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent accounts consist of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under account number XXXX. A personal credit card account with XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX under account number XXXX. A personal loan with XXXXXXXX XXXX XXXX  on XX/XX/XXXX under account number XXXX. A utility account with XXXX XXXX on XX/XX/XXXX, account number XXXX. I do not recognize the aforementioned accounts or collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I have tried to have these improper items that are negatively reporting on my credit report removed due to violation of my privacy rights, defamation of character, and the main reason, which is I never gave consent to report these items on my report. 

The following late payments are a part of the hinderance on my personal reports. 

XXXX XXXX - XXXX - {$25.00} XXXX XXXX - XXXX - {$60.00} XXXX XXXX  - XXXX - {$530.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries that hurt my credit. 
Didn't authorize. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX
Product: Mortgage

We are in dire need of your assistance. We have recently entered into a construction mortgage with Intercostal Mortgage company. We have spoken with XXXX XXXX, our licensed loan officer about obtaining a mortgage. 

He told us on multiple occasions that the mortgage rate lock would be 3.5 %. We have this in writing and we believed him. He told us he would lock the rate right after closing at 3.5 %. This was a lie. It has been 3 months and we have gotten no where with this company. We finally had to reach out to the president of intercostal mortgage for assistance. He just tonight XXXX sent us the rate lock paper work. In order for us to get the rate lock of 3.5 % that were were told we would get, it would now cost us {$58000.00}. We simply of not have this money. Could you please assist us? 

We really need your help. 





From : XXXX XXXX XXXX Date : XX/XX/2021 at XXXX EST To : XXXX, XXXX XXXX XXXX Cc :, XXXX XXXX XXXX Subject : Re : ACTION REQUIRED We will lock your 3.5 % long term on your permanent mortgage. 4.25 % is locked for your construction loan. Your perm loan is not locked yet and we will lock as we discussed shortly after closing. 

XXXX XXXX XXXX # XXXX Vice President & Senior Loan Officer Intercoastal Mortgage Company XXXX XXXX XXXX XXXX - XXXX XXXX
Product: Mortgage

I was web browsing and clicked on an add from Lending tree about the HARP program. 
I clicked a link that said " Instantly find out if you are eligible '' I clicked the link and took a short survey. The link did not tell me if I was eligible. The link sent out all my info to lender for a loan. I was never told I was applying for a loan. Now I am getting called - pestered - by several different lending institutions. I never was told if I qualified for HARP. 
This seems very fraudulent to me as I was never told I was going to have my information sent out and I was never told what the original link specifically indicated it would do. Bait and Switch.
Product: Credit card

On XX/XX/year>, I login into my XXXX XXXX  account according to my current credit profile I have an offer for a few credit cards which Id apply for a Milestones Mastercard, on XXXX XXXX add it says higher credit limit. The fees is disclosed which is {$120.00}, after I submitted the application I surprisedly approved for a very low credit limit of {$500.00}. I wouldnt consider applying for these card with a fee of {$120.00} knowing is only {$500.00} credit line, with no chance of increasing the credit limit within 6 months. I called customer service to see if they can refund the fee, I was told theyre unable to refund the fee. This is not helping me at all its very hard to manage a very low credit limit Im practically just paying them {$120.00} to report my account to XXXX credit reporting bureaus. When I could have just apply for secured card at XXXX XXXX with {$500.00} deposit with XXXX fee. I am currently rebuilding my credit. In the past I had large amounts of credit limit but decided to closed all my credit cards. My husband and I are currently in the process in selling our current home and needs to apply for a home loan in a few months, thats the only reason Id applied for a credit card to raise my credit score which is credit is a scam in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to Carmax about the inaccurate information about the amount that was owned by me and a spouse at the time. I asked them to send me paper work in regards to the vehicle being repossessed in the cities of XXXX or XXXX  XXXX, MI and why I was not notified about this matter and how much was it sold in the amount of. I did some investigation and saw it was sold back on XX/XX/XXXX but with no amount as to how much. I then sent a letter to CARMAX give them 15 business days to respond back to me on the matter. I received no responds back. 

The three credit bureau 's shows even more in-accurate information as in high balance being {$13000.00}, Balance {$5400.00} and showing collection/ charge off with no comments showing repossessed and what it was sold for. 

Carmax is still growing interest on my credit report and at 13.05 % interest rate and the payoff balance is {$8800.00} as of XX/XX/XXXX, subject to change. 

On XX/XX/XXXX I sent a letter to all 3 credit bureau 's with a dispute of all the in -accurate information showing on my credit they did a investigation and the only thing i received was an update but nothing changed. XXXX never respond to me at all about the dispute. For every matter I sent a certified letter with the post office also. There is no dispute with XXXX at all also. XXXX did only an update of the same information that was already there.
Product: Credit card or prepaid card

My email address was used to create an account for another persons American eagle store credit card. 
After numerous emails and phone calls to the retailer and the issuing bank, Synchrony, this has not been resolved. I have asked them to verify the correct email for the customer but I have continued to receive emails regarding this customers account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all incorrect information from my credit report with Experian. Alot of information is invalid. please correct the file to be 100 % correct
Product: Credit card or prepaid card

XX/XX/21 placed order from XXXX. 
XXXX was sent email 2 refunds were issued. {$830.00} and {$2000.00} no refund ever issued. 
XX/XX/21 contacted XXXX and many times after that via phone email and online chat and never was returned anything. 

XX/XX/21 ordered from XXXX  {$1800.00} XX/XX/21 website states refund issued. then it says waiting on return and also says declined. got email also from XXXX  stating items will be returned which means they got the returns and never returned them. proof XXXX  is lying. 


XX/XX/21 placed order jag alliance {$910.00} so far no investigation done. 

wellsfargo called me but gave no reasons to why the denial. they claim XXXX wont turn over to them lebels or pictures of anything to prove items weren't returned but documents show they were. wellsfargo didn't ask or even demand proof of anything that was claimed. wellsfargo is suppose to be working for the card holder not the store. 

I am asking for all three charges to be refunded. I am asking for emotional destress. I am asking for any credit scores to be fixed. I am also asking for card to be turned off with no credit score changes and the balance to be delted to zero as part of the emotional destress. If wells fargo doesn't want to rectify this matter we will seek court action for the charges and damages also unfair credit reporting act. I will not play games with these companies anymore.
Product: Debt collection

I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that Transunion, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness. 

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts. 

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Debt collection

I am writing to formally dispute a fraudulent collection account being reported by Aargon Agency , Inc . I have no knowledge of this debt and have no contractual relationship with your company. 


Fraudulent Account Information : Collection Agency : Aargon Agency , Inc . 
Account Number : XXXX Balance : {$8500.00} Date Opened : XX/XX/year> Account Status : Open Responsibility : Individual Remarks : Placed for collection Despite my efforts to resolve this matter directly with your company, the issue remains unresolved. 

Under the Fair Credit Reporting Act ( FCRA ) 605B, you are required to block and delete any information resulting from identity theft once proper documentation is provided. 

I have been a victim of identity theft, and this collection account was fraudulently opened in my name. I did not authorize or initiate this account, and your continued reporting is damaging my credit. Your failure to properly investigate this matter is a direct violation of the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). 

Furthermore, I have reviewed public records with the Florida Office of Financial Regulation ( OFR ) and could not verify that Aargon Agency , Inc. holds an active license to collect debt in the State of Florida. If your company is operating in Florida without proper licensure, this represents a serious violation of state law. 

Documentation Enclosed : 1. FTC Identity Theft Report Complaint # XXXX XXXX. Government-issued ID
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with AMEX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and AMEX with no successful resolution. There was definitely an error on their part.
Product: Debt collection

XXXX / XXXX Please be advised that this account was fully paid off to SEQUIUM ASSEST SOLUTION REF # XXXX VIA XXXX XXXX CHECK XXXX ON XX/XX/2019 AND CASHED XX/XX/2019 XXXX has been sending me debt collection letters.
Product: Checking or savings account

We opened and funded our Citi Accelerate Savings account on XX/XX/XXXX. With this account, we were promised a {$450.00} promo if we met certain criteria. We met with all criteria but Citi is refusing to honor the promo credit. We have inquired by telephone ( numerous times ) and formal letter dated XX/XX/XXXX. Citi responded with letters dated XX/XX/XXXX and XX/XX/XXXX, by saying our " money Market account '' was not eligible for the promo. We don't have a money market account, we have a " Citi Accelerate Savings '' account. We are seeking your assistance in rectifying this matter.
Product: Credit reporting or other personal consumer reports

Im filing this CFPB affidavit complaint to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the TRANSUNION Credit Reporting Agency , block informations appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

The fraudulent, inaccurate, and false information consists of : 1- Fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Those accounts are results in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I attach a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items. 

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. Those accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the stated accounts, collections, and hard inquiries are the results of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.