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

I HAVE BEEN AFFECTED BY THE EQUIFAX 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. 

XXXX XXXX  # XXXX XX/XX/XXXX -- {$9200.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$360.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 
XXXX XXXX XXXX, XXXX XXXX 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a duplicate complaint. I am representing myself. I am NOT a third party. I have also attached a photo of a utility bill and a photo of my social security card for PROOF of identity along with a report from XXXX to show EVIDENCE that this creditor is violating my rights. In accordance with the fair credit reporting act *XXXX XXXX XXXX account number # XXXX has violated my rights and 15 USC 1681 section 602A. States I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I am not a third party I am representing myself. Every piece of information on this account is NOT reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % ACCURATE! I have attached a report from XXXX to show PROOF that this creditor is in direct violation in accordance with the Fair Credit Reporting Act ( FCRA ). The dates of last payment and the dates last active are DIFFERENT with all three credit bureaus. The account status is DIFFERENT with all three credit bureaus. The dates for " Date Opened '' are DIFFERENT with all three credit bureaus. And again... all of this is PROVEN in the file attached to this complaint.
Product: Credit reporting or other personal consumer reports

In XXXX I discovered I was a victim of identity theft. As a result my information was used/accessed to establish multiple loan/credit/merchant account unauthorized. As of XX/XX/XXXX I was made aware of these items by negatively reporting on both Experian and XXXX credit reports. I reached out to the bureaus and with no success I decided to hire a credit repair company where some of the information from the same company ( ies ) was/were removed however they were unable to remove the other accounts. I then continued to reach out via mail/phone calls/email to resolve my concerns from XX/XX/XXXX to more recent XX/XX/XXXX. I have sent multiple letters via certified mail just to continue to receive " Consumer information verified by merchant, Consumer disagrees '' statements on my credit file ( s ). To date neither the merchant or credit reporting bureaus have been able to provide me the information to verify any identifying documents to address these concerns. After spending money/time no one has been able to amicably resolve my concerns. Frustrated with the lack of diligence and process my initiatives have gone in vain.
Product: Debt collection

I have been placed on collections by : LVNV FUNDING LLC # XXXX C/O RESURGENT CAPITAL SERVICESXXXX XXXX   XXXX XXXX , SC XXXX ( XXXX ) XXXX-XXXX.. 

I requested documentation proving this account beloved to me, and have not heard from them to this date. The company is showing in my credit report and is unable to provide written documentation i have requested to me.
Product: Credit card or prepaid card

I have a very strong established excellent credit status. I applied multiple times for an Apple Credit Card, but the financial institutions denied my application for the following reasons : Unable to Verify my Identity. I believe the financial institutions did not try to verify the proper way or violated the Equal Credit Opportunity Act. All other financial institutions I have relationships with can establish a relationship with me and able to verify my identity.
Product: Debt collection

Transworld hit my credit score I have never been contacted by them, nothing has ever come in the mail for the debt that was owed to optimum 6 years ago, I would have worked with them if it had. The debt owed 6 years ago was by my ex husband as I am still paying off debt left on me but again I was never notifie4i was in collections by this company, today I get an alert they hit my credit score, first I have heard of this company, the amount they say is owed looks false as well I called the cable company 6 years ago to tell them the site of it being my ex husband 's and closed.it, didn't have cable wth them anymore during covid
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian uses my information to solicit loans and credit cards lying about approval odds lead to hard inquiry lasting on the credit report for 3 years not including initial year of inquiry
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I mailed a check to Carmax to have my vehicle refinanced, Carmax has called me multiple time advising that they are attempting to collect a debt on my account. But they have also called me in tandem with the aforementioned statement and advised me that I needed to make a payment to even my account out in order to process my refinancing of the vehicle to XXXX XXXX. On XX/XX/XXXX at XXXX CT I checked my credit report on XXXX and XXXX XXXX and it dropped a staggering XXXX points. I have no loans with Carmax and I will like this issue to be fixed immediately.
Product: Credit reporting or other personal consumer reports

Experian should ensure that my correct personal information is reflected on my credit report. The report incorrectly lists me as " Self Employed, '' and the correct employer is " XXXX XXXX XXXX XXXXXXXX '' This inaccuracy violates the requirement for maximum possible accuracy under 15 USC 1681e ( b ), which mandates that only correct and authorized information be provided. Failure to correct this information may constitute willful noncompliance under 15 USC 1681n, which allows for damages of up to {$1000.00} per violation. I request that this correction be made promptly. Thank you for your attention to this matter.
Product: Checking or savings account

bank cd maturing on XX/XX/2023 called Bmo bank N.A. XXXX XXXX on XX/XX/2023 XXXX XXXX at XXXX XXXX said. aid they can't send my funds. ACH. and will have to mail a check. in 5- 7 business days I waited still no check I called again on XX/XX/2023 XXXX XXXX XXXX XXXXXXXX XXXX said check still coming to wait 5 more business days still no check. I called again on XX/XX/2023. and spoke to supervisor XXXX XXXX about. my Check said it's in Limbo due person closing. The account made a mistake. not closing it properly if he could overnight. my check per XXXX he said.no just regular mail I ask why not he said bank does not have Capability. That I have to wait longer
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Dear CFPB Team, I hope this message finds you well. I am writing to formally dispute a charge on my Citibank credit card related to a recent car rental experience that was unsatisfactory and has not been adequately addressed by the financial institution. ( Citibank ) I rented a car in XXXX, XXXX, for a month. Unfortunately, after about a week, the rental vehicle began to malfunction. I reached out to the rental company, but they refused to resolve the issue by providing a replacement vehicle. They have to bring the car to me where I was, they denied doing that. Despite numerous calls and discussions, there was no progress. I was instructed to drive several hours to the nearest airport to obtain a replacement, which I found unsafe and unreasonable. Nearest airport was a 2-3 hr drive. 

As a result, I had to manage the problematic vehicle for nearly 25 days. When it was time for me to return home, I drove the car to the nearest airport, which took an exhausting 5-6 hours instead of 2-3. During this drive, the car frequently overheated and did not shift properly. I finally received a replacement vehicle only at the end of the rental period.

I contacted Citibank dispute department to dispute partly for the amount of the rental and seek a fair resolution, preferably a partial refund, as the service provided by the rental company was significantly lacking. However, several months later, I was informed that Citibank had attempted to resolve the dispute but without success. It appears that they were disputing the entire rental amount of {$2300.00}, which I specifically instructed them not to do. My intention was to have their arbitration department negotiate with the rental company regarding the service deficiencies and lover the amount.

Furthermore, Citibank offered me a {$250.00} credit, which I viewed as a dismissive attempt to close the matter without addressing the core issue. I believe it is crucial for Citibank to take responsibility for this situation and negotiate appropriately rather than dispute the full amount, negotiate the amount as make sense especially since the merchant did not deliver as promised.

I am requesting your assistance in resolving this matter fairly. Thank you for your attention to this issue. 

Thank you
Product: Money transfer, virtual currency, or money service

I am a long term Wells Fargo customer with no issues until now ; I was fraudulently charged {$960.00} via XXXX XXXX Wells Fargo makes no attempts to ask me what happened denied my evidence and proof I did not authorize this transaction I report Wells Fargo and they do not contact me to ask my side of the story and try to resolve instead they assign the same case manager who calls and says someone will resolve in 10 days then she calls and says they will side with the claims department this is unfair and not a good practice for consumers.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : SELFINC/LEAD Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am writing to dispute the accuracy of a collection account that appears on my credit report. I believe this account is either inaccurate, outdated, or incorrect for the following reasons : The debt is past the statute of limitations for collection and should no longer appear on my credit report. The collection agency also violated the Fair Debt Collection Practices Act by contacting you at inappropriate times or failing to validate the debt. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have any incorrect, outdated, or unverifiable information removed from my credit report. I am requesting that you investigate this collection and remove it from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my XXXX XXXX  immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Representatives at XXXX  XXXX sold account ( XXXX ) to Account Purchaser : XXXX XXXX XXXX, XXXX on XX/XX/2017. The methods used by XXXX XXXX XXXX, XXXX were threatening, intimidating, and harrassing. Complaint ID numbers XXXX, XXXX, XXXX, XXXX, XXXX, was submitted via Consumer Financial Protection Bureau. 
12 CFR 226.13 ( a ) : XXXX  XXXX Services violated the Fair Credit Billing Act by refusing to acknowlede the dispute within XXXX ( XXXX ) days pursuant to 15 USC 1666 ( a ) ( XXXX ) ( A ). XXXX XXXX XXXX XXXX XXXX refused to provide written explanations or reports following investigations pursuant to 15 USC 1666 ( a ) ( XXXX ) ( B ) ( XXXX ) ; refused to produce documenation as evidence within 90 days pursuant to 15 USC 1666 ( a ) ( XXXX ) ( B ) ( XXXX ) ; added restrictions to the account a total of ( XXXX ) XXXX times pending a resolution pursuant to 15 USC 1666 ( d ). 
FAIR CREDIT BILLING ACT VIOLATIONS include : 12 CFR 226.13 ( d ) ( 1 ), 15 USC 1640 ( a ) ( 1 ) & ( 2 ), 15 USC 1611 ( XXXX ) & ( XXXX ). XXXX XXXX received private negotiable instruments, also referred to as transation credits, from XXXX XXXX XXXX in the approximate amount of the alleged debt plus additional payments resulting in a bank liability. Consequently, there is no debt on the account and the claim was disputed. XXXX XXXX XXXX XXXX has been denied credit lines, business loans, personal loans over XXXX times since XXXX due to XXXX XXXX  errors, libel and slander causing hundreds of thousands of dollars in damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX failed to investigate a concern for ID theft. They respond to another CFPD complaint and said the information from XXXX XXXX XXXX was accurate however I have attached the letter from them Stating the information was not main and that it has been removed from XXXX. I am also disputing the inquires made without my knowledge of someone trying to open an account. They is at least 50!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking Debt Bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX - 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 XXXXXX/XX/year> Incorrect Address - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the validation method used by your agency regarding a collection account that appears on my consumer report. The account in question is listed with XXXX ( XXXX XXXXXXXX XXXX XXXX and is reported by XXXX, XXXX, and Equifax under the account number XXXX. 

Upon reviewing the information on my consumer report, I have noticed inconsistencies regarding the validation and reporting of this collection account across all three credit reporting agencies. This dispute was validated and closed on XX/XX/2023 with verification documents mailed to me. How is that so? Please provide clarity on how an account that clearly reads not verified on my consumer report was validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am NOT financially responsible for the real estate mortgage loan with XXXXXXXX XXXX XXXX XXXX XXXXXXXX  opened on XXXX in the amount of {$32000.00}. It belonged to XXXX XXXX. I have NEVER signed as applicant, co-applicant or guarantor for any loan or real estate mortgage reporting on my credit file with XXXX and TransUnion. XXXXXXXX XXXX  is FRAUDULENTLY verifying that the information reported is accurate which is AGAINST THE LAW. I am requesting that XXXXXXXX XXXX deletes the loan account from my credit profile IMMEDIATELY. Should they refuse, I request that they supply you with the record of original loan application and settlement documents with my signature as evidence that I am a signor of the loan in dispute.
Product: Student loan

I spoke with an agent at Navient on XX/XX/XXXX about a refund for my loan payments dating back to XX/XX/XXXX. I was given a lot of incorrect information on the call. I stated I only wanted the refund if my loans would not show delinquent status. I was told the refund amount would be {$37000.00} ( which I told the agent wasn't right ). They said I would receive a written letter detailing the refund and correct amount before it was approved. I received no written communication, the refund amount was incorrect, and my loan was marked delinquent. Please review this call and correct my delinquent status, I do not want a refund if my account will be marked delinquent.
Product: Mortgage

Roundpoint Mortgage failed to pay my homeowner 's insurance on time which has resulted in a notice of expiration from the insurance company. I contacted the call center on XX/XX/2023 and was told that the insurance payment was sent via snail mail two days before the due date. This is unacceptable! There was enough money in the escrow account to cover the payment long before it was due. They do not allow their customers to make payments after the due date without charging a late fee. Therefore, it is my expectation as a customer that they pay insurance and tax bills on time. We are at the height of hurricane season in Florida. If this payment gets lost in the mail and our policy is cancelled, I can only imagine the nightmare that will ensue for me as a homeowner if a hurricane strikes our area before this issue is resolved.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15usc1681. 

Account name # XXXX XXXX XXXX XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

My previous complaint XXXX XXXXXXXX explains the problem I had with XXXX over XXXX simple deposit of XXXX checks. When I filed my complaint, the lost funds appeared in my account online the next day. I was also contacted by XXXX people who made the usual attempts to XXXX  and mollify me. I allowed matters to subside. But today upon visiting the local branch and attempting to move funds, I was told that the funds were on hold. Even the representative with whom I spoke found it incredible that funds should be on hold after all this time, almost XXXX weeks since the original deposit with XXXX. Even more ludicrous was being told the funds would be released " tomorrow ''. Have I heard this previously? I am livid.