23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Accounts XXXX  Account XXXX XXXX Account XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX Account XXXX XXXX  XXXX Account XXXX XXXX  Account XXXX XXXX accordance with the Fair Credit Reporting act XXXX  Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 I CONTACTED EXPERIAN VIA CERTIFIED MAIL AND PRESENTED THEM WITH AN AFFIDAVIT OF TRUTH. AS WELL AS A CFPB COMPLAINT THE COMPLAINT WAS FRAUDULENTLY CLOSED OUT BY EXPERIAN. EXPERIAN CLAIMED THAT THIS COMPLAINT WAS CLOSED OUT DUE THE COMPLAINT AND MAIL BEING SENT IN BY AN UNAUTHORIZED THIRD PARTY. THERE IS NO THIRD PARTY WHICH THEY ARE AWARE OF BECAUSE MY AFFIDAVIT WAS NOTARIZED AND AT THE TIME OF NOTARY I HAD TO PRESENT A DRIVERS LICENSE AND SWEAR THAT ALL INFORMATION ON THE AFFIDAVIT OF TRUTH WAS ACCURATE. EXPERIAN HAS PULLED THIS STUNT TOO MANY TIMES CLAIMING THAT THE LANGUAGE WAS TOO PROFESSIONAL. ACCORDING TO FEDERAL LAW ALL CONSUMERS HAVE THE RIGHT TO EXERCISE LAW FOR THEMSELVES. AS A FEDERALLY PROTECTED CONSUMERS HAVE DECIDED TO INVOKE MY SPECIFIED REMEDY. HOWEVER AS OF NOW EXPERIAN HAS VIOLATED MY CONSUMERS RIGHTS 24 TIMES AND I HAVE DEMANDED THE REMOVAL OF 5 ACCOUNTS AND I WILL SEE TO THE FACT THAT THEY ARE REMOVED IMMEDIATELY OR I WILL NOT HESITATE TO ESCALATE THESE VIOLATIONS. AS THEY HAVE VIOLATED MY RIGHTS, DEFAMED MY CHARACTER AND HAS WRECKED COMPLETE HAVOC ON MY LIFE. EXPERIAN ALSO DO NOT HAVE A DIRECT POINT OF CONTACT FOR CONSUMERS WHICH MAKES RESOLVING ISSUES EVEN MORE OF A TASK.
Product: Debt collection

Hi this debt is from XXXX, I submitted to the company a Driver license, my state ID, and my Social Security card and My full passport and my police report. proving I was out of the country for three years. and sign there affidavit and its still not resolved. They want even more info. this account is from fraud.
Product: Debt collection

I moved to my apartment XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Florida. 

I called XXXX for internet, after that they called me telling me that theres a charge for {$300.00} for connection, and I said cancelled the order. They didnt want to cancell the order, but still for months send me bills after bills and i never used the service. 

I contact XXXX telling the story but cant do anything. 

Later I have for almost 5 years service with XXXX and im never late in my bills. The situation affect my credit that is perfect all my bills are paid on time. Im planing to buy a house but this is affecting me.

I need the help of this agency cause nobody help. or many hire a lawyer but it is expensive. Im not going to pay for something I didnt used. I cancelled the order but the insisted and insisted. Horrible experience., like I said 5 years ago. Now a new company bought this account and they are putting this in my credti like something new. The name of this new company is IC SYSTEM INC. 
Thanks in advance for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). After looking over my credit report, I have found fraudulent inquiries. It is my right, according to the FCRA, to request a proper investigation into these inquiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX CARD XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this complaint. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a certified letter to the credit bureau to prove that the information was correct. It is not correct nor did they send me the actual proof
Product: Credit reporting or other personal consumer reports

Credit Karma is not reporting collections correctly. There is a collection on the XXXX side this no showing correct information such as proper amount and name of the collection agency. I checked the XXXX side on Credit Karma and got the name at least. The amount is still incorrect and this shouldn't even be marked as collections. On XXXX there was a court judgment filed. ( see attached ) the amount is {$990.00} + {$50.00}. That would be {$1000.00}. No payment plan and no interest. That is on the XXXX. This needs to be corrected and removed from collections completely. I tried to dispute the XXXX ( still in dispute ) but can not upload any documents. I checked my XXXX and there are no collections at all to dispute ( XXXX direct site is correct ), so Credit Karma is improperly reporting that on their account on their end on the XXXX side. I checked and Credit Karma run a soft reports on my XXXX ( document attached ) and they can see the proper information to report. They are just not doing so. There is no way to dispute this information directly with Credit Karma with documents. XXXX also is not providing me with my credit report for free so I can check with them if they are properly reporting on my credit account, which I am allowed XXXX per year. It shows completely blank. ( See attached ) They also want me to buy my XXXX XXXX which is all so weird. I can't check anything on my credit report directly through XXXX website.
Product: Checking or savings account

I was curious if a buy 2 get 1 code worked on multiple items ie buy 4 get 2 on XXXX In order to see if this was the case the website requires hitting checkout, at this point I can type in the code and hit enter. However, since I am a prior customer my payment method is already connected. When I hit enter to apply the code and see what the discount would total, it instead checked me out completely with no confirmation page, etc. It also never applied the discount, so the website threw me from the discount code section to the pay now button. Immediately contacted the company and they refuse to cancel the order, even though an order I placed XX/XX/XXXX has still not been processed, clearly indicating this could easily be done. They have told me I could return the items when I get them for store credit and thats it.
Product: Checking or savings account

I received emails from my bank, Wells Fargo on XX/XX/XXXX and XXXX each stating that my replacement debit cards were being mailed out. These emails stated the card were expiring but only one was due to expire in XXXX. I called concerned because when i established my bank accounts with them years ago, the banker opened 4 more accounts without my authorization, which I closed immediately. However, I continue to have issues over the years. 
My new debit card came and attached letter stated this card replaces card number ending in XXXX. I do not have a card ending in this number. I called again on XX/XX/XXXX and the rep I talked to researched my concerns and after long holds, she informed me that these debit cards were in fact associated to those other accounts that were closed and supposed to be deleted from my profile. But now the debit cards are somehow associated to my open checking accounts. She stated to not activate and cut these cards up. She also gave me case # and said someone will be handling on an escalated investigation as to why these debit cards from those accounts are still being replaced by ATM services and how they are associated to my open checking accounts. 
When I called XX/XX/XXXX to find out why I have not heard from a case manager, the rep in the Executive Office simply stated she sees nothing associated to any " closed accounts '' and these were my debit cards being replaced because mine were supposedly compromised so they " took security measures to replace ''. I explained to her my previous conversation with the rep on XX/XX/XXXX and she said she doesnt know how she saw that. She said you can go ahead and activate or not activate the cards. I explained that I am extremely upset and thishas occurred before with these accounts that were open without my knowledge and that they are obviously not closed out properly if I am still getting debit card replacements for these. I also dont understand why the debit cards are tied to my checking and savings accounts now that are active.
Product: Credit reporting or other personal consumer reports

Dear Transunion, I am writing to dispute the following information that appears on my Transunion report from XXXX XXXX XXXX XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$9100.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXXXXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since | opened this account. 
XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$10000.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
Collection account from XXXX with account # XXXX and a balance of {$6900.00}. The original creditor is XXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached my FTC report that was sent on XX/XX/2021 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!
Product: Mortgage

Loan Cares website does not allow the customer to upload documents nor does it give any confirmation ticket numbers to the customer email to confirm documents have been submitted to the website. Loan Care does not provide an email to send documents to them even when I advised them that the documents will not upload to the Loan Care website. 

I have attempted to upload documents for a tax problem I am having, but either I get error messages or I never get any confirmation with a ticket number sent to my email that the documents have been submitted to the Loan Care website. 

I uploaded documents on XXXX XXXX XXXX XXXX XXXXXX/XX/2024 and XXXX XX/XX/2024 and I do not have email confirmation of the document uploads nor does the website produce a confirmation number if you manage to submit the documents. 

The customer is unable to access any history of document submission on the Loan Care website so there is no record at all of the documents that have been submitted to Loan Care or any communication about the problems the customer has with their mortgage loan.

In addition, if you manage SOMEHOW to submit documents to the Loan Care website, you can only send one communication per day. That means if you have a tax and an insurance issue, you have to upload the documents to the Loan Care website you have to spend two days doing it and you do not get any email confirmation they have it.

This makes it impossible to communicate with Loan Care to fix critical problems with my loan. This has caused an incorrect {$600.00} increase in my monthly mortgage payment that I do not owe due to Loan Cares error and this problem has been going on now for over two months and

Loan Care has not fixed it. I have a screen shot of the docum
ents I attempted to upload to Loan Care before I pressed the " submit '' button, but I have no ticket numbers for the three submissions I made on the Loan Care website.

Not having any record about the problems I report to Loan Care or upload to the Loan Care website is now a violation of Deceptive Trade Practices Act ( DTPA ). Not fixing the incorrect loan balance and monthly mortgage payment on all three of my credit reports is a violation of the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Unauthorized Inquiries Inquiry details XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XX/XX/XXXX ( Bank XXXX XX/XX/XXXX 2021
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

This is absolutely frustrating and stressing me out, there are errors on my credit report that is unfairly affecting my score. How can I achieve the XXXX  dream when I am living a nightmare? This is insanely distressing.
Product: Credit card or prepaid card

During a covid-19 o was laid off I call the company to let them know I wasnt able to make any payment for going hardship situation or national disasters. I spoke to one of the representatives I call a week before I was not be able to make any payment still laid off. Customer service said they will write it in my account and nothing else was told. A month later I got a warning from a XXXX XXXX my late payment and same time my account was closed I call customer service of kayj jewelry and they told me they already closed it and I ask them why when I spoke the last customer service they didnt tell me my account was going to be closed if I didnt make the payment and then few days later account closed. So the account is been closed and they keep Reporting rinsen they account been closed every month hurting my credit score I already spoke to the customer service to see if they could help for me going Trough a hardship financial and no job they did not work with me during my covid -19 disaster. They reporting late payment when I cal a head a time I couldnt make the payment to see they could work with me and nothing has happened. Im reporting them counting reporting in my credit report they just closed this account with late payment when this account has been closed since XXXX.
Product: Debt collection

I have disputed this account Wakefield and Associates with XXXX and XXXX earlier this year and they still fail to verify this account. The account is reporting inaccurately on my consumer report which is unacceptable. Since they have continuosuly ignored my request, this account should be deleted. 

Original Creditor : XXXX XXXX XXXX Third party collector : Wakefield and Associates Amount : {$1900.00}
Product: Credit reporting

The name XXXX XXXX is listed on my credit report and an address in XXXX. My name is XXXX and I have never lived outside of the state of XXXX. I also do not have XXXX credit cards
Product: Credit card or prepaid card

On XX/XX/2021, I sign a contract with a HVAC company to install a new heating and cooling system in our house. The Company estimated it was a " 3 day job '' and would be finished by the end of XXXX. 

The promotional financing terms and conditions stated that I was preapproved and the charge would be made once the job was complete. There were delays, supply issues, etc and the job was not completed at the end of may. However synchrony called to confirm that that company had said that the job was finished and that they had charged the card and a payment was due. 

I contested and disputed the charge on XX/XX/XXXX since the job had not finished and the contractor should not be paid the entire amount of the contract. 

I received a letter on XX/XX/XXXX stating that the dispute had been resolved in the merchants favor. Enclosed was the response from the merchant that stated without any supporting evidence that the job was " almost done '' and would be done on XX/XX/XXXX and there was no reason for the dispute. 

On XX/XX/XXXX, I faxed evidence contradicting several claims in the letter from the merchant as well as evidence that the job had STILL not been completed and the company did not have a good relationship with us. 

I heard nothing from Synchrony bank. On XX/XX/XXXX, I called and asked synchrony to review the evidence. They stated they had and that they had already reached a decision and " I needed to wait for the decision letter ''. I asked for the date of the letter and they referred to the XX/XX/XXXX letter. I asked them again about the evidence I had submitted on XX/XX/XXXX and they said they would have to open a new dispute. 

I am very concerned that synchrony bank is not doing its contractual due diligence in reviewing disputes and is unfairly closing the dispute process prematurely without any effort to validate any of the claims made by the merchant or providing us an opportunity to respond when the company offered no evidence to support any claims.
Product: Debt collection

( The choices above do not accurately describe this situation, I selected the one that I felt was best. ) Southwest Credit Systems ( SWCS ) has been reporting a collection account on the XXXX main credit bureaus for a XXXX account ( # XXXX XXXX since XXXX/XXXX/2015, in the amount of {$330.00}. SWCS was made aware of the fact that these charges are not accurate and in dispute based on the cramming activity XXXX was engaging in ( Federal Trade Commission v. XXXX XXXX , XXXX ). 

I was not contacted by XXXX, as I have moved from my previous address and never received information from them regarding Federal injunction or class action. I only became aware after reviewing my credit report and researching online. An online page was set-up, by XXXX, to aid in getting information regarding old/closed accounts, but it has since stopped receiving new complaints or allowing for review of old/closed billing information. 

I do not think the balance {$330.00} being reported by XXXX is correct and they refuse to change or cease collecting on this account.