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

Equifax has been non-compliant with removing the unverified account XXXX/XXXX  XXXX which has been deleted by XXXX   and XXXX  . XXXX  and XXXX  have both completed their research and determined that XXXX/XXXX  was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$2300.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX  || Account # : XXXX - XXXX  || Account # : XXXX - XXXX XXXX || Account # : XXXX
Product: Mortgage

My mortgage was sold and servicing transferred and they are not honoring on the terms of the loan. They instituted foreclosure proceedings, then told me they would stop the foreclosure and modify my loan if I made three 'trial period ' payments, which I did ; However they did n't cancel the Trustee 's Sale, they merely postponed it until XXXX, and sent me a loan 'modification ' which is not a modification at all- it is a completely different loan. They said I should call my Dedicated Loan Specialist if I have questions, but I have called and emailed her every day for 8 days now and she will not return my call. If I do not accept this new loan by XXXX my home will be sold at Trustee 's Sale on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX In 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.

25 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX we purchased tickets to XXXX through XXXX 's XXXX using our CITI Bank card for {$430.00}. When the charges showed up on the statement the charge was not recognized and was reported as a suspicious charge. CITI Bank removed the charge from our account. Within 20 minutes, the charge was recognized as the ticket purchase and CITI Bank was notified that it was a legitimate charge and placed the charge back on the card. When CITI Bank labelled the charge as fraudulent, XXXX 's XXXX cancelled the order and submitted a refund to CITI Bank. This occurred on XX/XX/XXXX with the refund occurring on XX/XX/XXXX ( see attachments ). CITI Bank refused the refund and the charge remained on our CITI Bank account. I called CITI Bank several times in XXXX and XXXX and CITI Bank stated that the dispute for the {$430.00} was on record and that I would not be charged any interest on this amount so our monthly payments for XXXX, XXXX, XXXX covered all expenses except the {$430.00} which remained on the statements. I continued to call to check on the dispute and had to continually re-open the dispute and walk through the issue each time all the while the charge stayed on my account accruing interest while it was being disputed. Eventually, we stopped using the card in XXXX and left the balance of the {$430.00} along with the accrued interest and fees associated with not paying the disputed amount on the card ( {$560.00} ). This balance was strictly due to CITI Banks inability to resolve the dispute by simply working with XXXX 's XXXX to re-send the refund and accept it. This is exactly what happened in XXXX. CITI Bank received the refund and in XXXX provided a credit of {$250.00} to cover the fees and interest. This seems to indicate that this dispute could have been easily resolved and not resulted in our account being considered 30 and then 60 days late. This issue is now on our credit report and has decreased our Credit Score. My understanding is that this will remain on my credit report for 7 years. This issues seems very minor and was CITI Bank 's issue and not mine and should not impact my credit score. I opened an additional dispute with CITI Bank on XX/XX/XXXX to have the report amended to remove the indication of late payment and it was denied ( see attached )
Product: Debt collection

Hi Lvnv Funding LLC : XXXX XXXX  XXXX XXXX  ; XXXX XXXX XXXX ; cfpb ; There are 2 accounts that i'm not aware of, no knowledge, no contractual agreement. I am writing to address an alleged debt that I have no knowledge of and believe to be fraudulent. I have never engaged with your companies or the original creditor, nor do I recognize any contractual obligations with them. The inaccuracies in this account 's reporting violate FCRA and FDCPA regulations. 

To resolve this, I insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, and proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt. 

Please provide the following promptly : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this matter.

Legal basis for your collection of this information and debt. 
Evidence of your authorization to operate in this state. 
Proof of the alleged debt, including contracts or instruments bearing my signature. 
Complete account history, including collection-related charges. 
I am filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. I also request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations. 

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt. 
I demand the immediate deletion of this account from all credit reporting agencies. Your actions have significantly impacted my credit report and overall financial well-being.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report act. 
ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

The next account request removed pay late. XXXX XXXX XXXX XXXX XXXX  has violated my rights y request removed pay late in XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rigths y request removed pay late in XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rigths y request removed pay late in XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rigths y request removed pay late in XXXX XXXX. In accordance with the Fair Credit Reporting act XXXX 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
Product: Debt collection

XXXX asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. 
You can not add interest or fees except those allowed by the original contract or state law. 
Any attempt to collect this debt without validating it violates the FDCPA Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX. 
I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau XXXX XXXX ) XXXX then you must immediately inform them of my dispute with this debt. 
Reporting informatior you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.
Product: Credit card or prepaid card

Companies like Fortiva shouldn't be in business. This company have absolutely nothing to offer customers but alot of Fees and not even during COVID-19 do they have anything to offer customers and this is the only so called credit card that have nothing to offer customers. They also report you to the Credit Bureaus the day after Lying that your payment is late which they've already caused my credit score to drop drastically. They have these XXXX phone agents who barely can speak any English and who don't Comprehend English either so they Lie and make things up as they go along. I also included a screenshot to prove this XXXX  company charged me the same day i made my payment the same day the bill was due. This is why i stopped even using there card and if it wasn't for COVID-19 i would've been paid this card off and stopped dealing with this XXXX  company. I'm being charged a {$40.00} Late Fee for paying my bill the day it's due. On XX/XX/2021 Fortiva charged me a Late Fee the same day the bill was due. On XX/XX/2021 when i called and requested the Late Fee be removed i got the run around. I spoke to a Supervisor name XXXX  who sat there and said she could have the {$40.00} Late Fee removed right then and there yet as of XXXX the Late Fee is still on there. 

Fortiva have a cut off time of XXXX XXXX and yes i made my payment after XXXX XXXX but it was paid the day that it was due yet they charged me a {$40.00} Late Fee the same darn day. I'm sick of so called credit card companies trying to give a cut off time then charging a Late Fee the same day. These people are XXXX and XXXX and they act like they don't Comprehend well. You have one XXXX name XXXX who tells me he don't have a clue what i'm talking about. It seem that none of these XXXX phone agents know anything and they're very XXXX and try to be very Sarcastic while being XXXX.
Product: Payday loan, title loan, or personal loan

Well I have Auto Loans, Mortgage loans, credit cards, Home Equity, XXXX XXXX cards XXXX Bank of America, Retail cards.Social security, My Refunds. I can't call out or receive calls. Someone is Using My information. And I want it to Stop! Please Help .My number is XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX
Product: Payday loan, title loan, or personal loan

This is a following of complaint XXXX I do not understand why the complaint has been closed. Or maybe I do not understand the role of the cfpb. 

I thought the role of the cfpb was to protect individuals and businesses from predatory companies and potentially investigate misbehaviors. 

I am pretty sure you have received numerous complaints about goodleap and closing a complaint just based on a response from the business is not aligned with my understanding of your role and goals, especially when the response just says " we are not going to do anything for you ''.
Product: Debt collection

I keep getting calls from Midland Credit Management about someone that is not me. They keep requesting to talk to my family member, but I already told them that this is not the right number and they keep calling.
Product: Credit card or prepaid card

Synchrony Bank XXXX XXXX did not resolve my complaint with a Service Quality issue. The card credited my account when I disputed the charge of {$230.00} by the XXXX XXXX for shoe inserts that were incorrectly made, so I could not use them. 
A month later Synchrony charged my card again for {$230.00} for the XXXX ( shoe inserts ). 
Synchrony Bank XXXX XXXX did not address the issue that the XXXX  XXXX XXXX employee provided incorrect information to the company that made the inserts, so that they did not fit my shoe. I refused to let them try again. I wanted my money back for the shoddy goods. The credit card company is supporting the merchant and forcing me to pay for shoddy goods. 

Below is a copy of the form I filled out for Synchrony Bank explaining why I should be refunded for the {$230.00} charge placed on my credit card for goods I could not use : XXXX XXXX XXXX XXXX Attachment : Service or Merchandise Quality Issue or Misrepresentation Questionnaire Date I went to pick up shoe inserts/ XXXX from XXXX XXXX XXXX : XXXX Method of Contact : In person Response : I went to XXXX XXXX XXXX to pick up the inserts that were custom made by a company from data/information provided by XXXX XXXX XXXX staff. 
The person who took measurements ( stated I had a size XXXX shoe, whereas my size is XXXX ) and she imaged my feet, so that one was in front of the other. Because the data she provided was incorrect, the inserts were useless. They would not fit my shoe properly. 
The same staff members who did not know how to gather data correctly wanted to do the process over again. I said, if they did not know how to get the information correct the first time, there was no use trying again. I wanted my money back. 
They refused and sent me a form after my visit on XXXX ( of which I had no copy ) stating that I had until XXXX XXXX on the day measurements were made and imaging was done ( XXXX ) to change my mind. 
I did not change my mind about getting the inserts. I refused to accept incorrectly made inserts.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information XXXX XXXX XXXX Account XXXX XXXXXXXX Dear XXXX Dispute Department, I am writing to formally dispute inaccurate information on my credit report related to XXXX XXXX XXXX, account XXXX XXXXXXXX. Under the Fair Credit Reporting Act ( FCRA ) and pursuant to 15 U.S. Code 1602 ( p ), I request that you investigate and correct the reporting of this account.

The reported information is incorrect because. This is not mine As a consumer, I have the right to accurate and verifiable information on my credit report, and I demand that XXXX conduct a thorough investigation and provide me with the results. 

In accordance with federal law, if this account can not be verified as accurate, I request its immediate removal from my credit report. Please provide written confirmation of your findings and any corrections made. 

Attached are copies of relevant documents supporting my dispute, including [ list any supporting documents such as payment records, identity verification, or correspondence with the creditor ]. 

I expect a response within the legally mandated timeframe of 30 days. Should you require any further information, please contact me in writing at the address listed above. 

Thank you for your prompt attention to this matter.
Product: Checking or savings account

On XX/XX/2020 my son tried to download a game from XXXX XXXX and it was unsuccessful. I called XXXX and during COVID 19 their not answering their phones after multiple calls. I then called my back to dispute the transaction, and I been noticing my bank doesn't take disputes seriously, so before thirty days are up, they reverse the credit of XXXX for this game. I called my bank and said, wait, I was vehemently disputing the charge. The gentleman said he reopened it on XX/XX/2020, then to make certain, I call back on XX/XX/2020 and speak with XXXX in escalations, she says " What is wrong with you? Why are you cussing '' There must be something wrong with you? '' So, I find out this morning after calling back again and being hung up on that now one reopened the dispute. They closed the dispute before its time. I uploaded documents they requested but never sent out or uploaded to my online account to get to them sooner. I called in prior and was hung up on again, so I called back and closed my insurance and their cheap credit card. Then I wrote the XXXX XXXX XXXX a complaint while I called back in to hear someone finally truthful telling me that my dispute was permanently closed.Moreover, I have credit cards with high limits, USAA gives me a XXXX limit, and my XXXX XXXX is Platinum with over XXXX dollar limit, my credit usage is below 15 percent. My auto loan I applied for with USAA they offered me XXXX dollars when all the others offered XXXX dollars. Just last month I had to dispute two XXXX dollar service items and I went above and beyond to get a letter from the XXXX office, COO, but I had plenty of funds in the bank when the bank called me and went on a rant to tell me what to do and write them letters, go back to the doctor, run around and then call her back? Seriously, I have only spoken to the same people at USAA in ten years maybe twice. I know bias, prejudice, the red headed step child, discrimination, and straight meanness when I hear it. I also know evasive, neglect, and USAA should point fingers at themselves for their own dirty deeds. My son works way too hard to not receive his game and this bank has not been above board at times so when I cuss its for good reasons.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/year> Consumer Financial Protection Bureau Supervisor, XXXX Department XXXXXXXX XXXX XXXX XXXXXXXX, IA XXXX XXXX TransUnion XXXX, XXXX Department XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX, XXXX Department XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX, XXXX Department XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Sir or Madam, After obtaining my credit report, I noticed that it shows late payments on the accounts listed below. 

I am sure you are aware and understand that it is required by Federal law that XXXX XXXX XXXX must take proper care in ensuring the accuracy of this information with my accounts; adhering to this of the utmost. 

In this regard, I hereby request the following steps to remedy this situation to ensure compliance with all provisions of the Fair Credit Reporting Act, XXXX XXXX Compliance, and the Fair Credit Billing Act, please send me a notarized statement attesting that you have complied with the above-mentioned Laws regarding my Credit file for each of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX seeking written evidence of timely billing and the posting of all payments I made on each account, regardless of whether you claim they were late from the time these accounts were opened to this present date. pursuant to 15 U.S. Code 1681g - Disclosures to consumers If you are not able to provide me full disclosure that I am legally entitled to have in writing. Please notify me within 30 days that you have deleted all late entries from my credit report. 

XXXX thanking you in advance for attending to my requests promptly XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act has violated my rights. 

XXXX XXXX Unverified Account XXXX key XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account Dept of education XXXX  XXXX Unverified Account Dept of education XXXX  XXXX Unverified Account Dept of education XXXX XXXX Unverified Account Dept of education XXXX XXXX Unverified Account US DEPT OF EDUCATION XXXX Unverified Account US DEPT OF EDUCATION XXXX Unverified Account US DEPT OF EDUCATION XXXX Unverified Account US DEPT OF EDUCATION XXXX Unverified Account XXXX XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 u.s.c. 1681 section 602 A. states I have the right to privacy 15 u.s.c. 1681 section 604 a section2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I spoke with this company back in the summer of XXXX and told them to stop calling my friend about this collection. The person I spoke with told me that when they ca n't get a hold of the debt holder that they call any numbers associated with their address and assured me that they would stop calling my friend. I have recently discovered information that makes me think my payments are not going where they should and stopped those payments last week. They began calling me and they same friend. I spoke with a supervisor on XXXX to discuss the issue of my money and the payments and also brought up again that they are calling my friend. The supervisor assured me that the only number they had for me was my cell. I explained to him what i was told the year prior and they she just told me they called her again and he assured me they did not do that. Now today, XXXX my son, who is a minor, tells me he is now getting the calls and voicemails from this company. I have instructed him to leave the voicemail and the phone number in his history in case they deny it again. They have a working number for me, and I even spoke with a supervisor last week and told them why i stopped payments and what my next steps are and they are now embarrassing my friend and MY CHILD.