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

I have an account reporting on my credit report with your credit bureau as of XX/XX/2018. This account from XXXX XXXX was reported incorrectly to the credit bureau, due to this account was paid in full on XX/XX/2018. I paid XXXX XXXX {$700.00} by debit card thru the web site www.entergy.com regarding my account number : XXXX. 

When I received the alert that XXXX XXXX was reporting on my credit report as collection, I called XXXX immediately and spoke to collections district manager XXXX XXXX at XXXX to inform her of the incorrect reporting that is being report on my credit report from XXXX XXXX. XXXX XXXX informed me no problem we can get this fixed and deleted off your report. XXXX informed me she would send a letter stating the account was paid in full on XX/XX/2018 and the account has been approved to be deleted off my credit report due to incorrect reporting. 

**PLEASE SEE LETTER FROM XXXX XXXX ENCLOSED **
Product: Credit card or prepaid card

I receive extended warranty coverage through a Costco Citi Visa credit card. Claims are handled by XXXX  XXXX XXXX. I submitted a claim on XX/XX/XXXX for the failure of a device that I purchased under warranty from XXXX on XX/XX/XXXX. The purchase information, device warranty, evidence of failure and customer information were submitted to XXXX  XXXX XXXX with the initial claim. Additional information was requested and submitted on XXXX XX/XX/XXXX I received a claim denial from XXXX  XXXX XXXX stating `` As the manufacturer 's warranty for this product does not cover damage/broken parts, no coverage applies. '' This claim was wrongfully denied as the parts were not damaged, but rather failed during normal use due to some sort of manufacturing or design failure.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I am submitting this complaint for myself and there is no third party involved. I reviewed my credit report and there are inaccurate accounts showing on my credit report. I am requesting that these accounts be removed. I have attached a list of the accounts I saw that is not accurate. I am a victim of identify theft. I am also submitting a copy of my ID.
Product: Credit reporting, credit repair services, or other personal consumer reports

After 6 months of addressing and correcting issues arising from and identity theft issue, some of which was/is caused by the EQUIFAX data breach, countless hours navigating through an incredible cumbersome, incompetent and corrupt process, not caused by me, I finally thought I had made significant progress. I just received a response letter from Equifax, that confirms just how incompetent and corrupt the credit reporting agencies in a way that I have not been able to in this process. The letter is in response to my written request to remove the fraud alert on my report since all the fraudulent issues have been resolved and the alert has been cited as a reason for lenders to deny my credit request. I am XXXX and especially in this time of pandemic, it is become imperative that I have access to credit simply to survive and support a family. At any rate, the response letter states that EQUIFAX can not find my credit file in their database and requests the same documentation that was included in the request to remove the alert. So, after 6 months dealing with EQUIFAX and the other credit agencies, countless forms, letters, complaints etc ... they can not find my credit file? In normal circumstances this would be laughable, but when this is literally a life and death issue it is nothing more than gross negligence by EQUIFAX. Again, I'm dumbfounded that this type of thing continues to happen. I have also during this process located a written document I received from EQUIFAX stating that my information had been compromised during the data breach and I was entitled to a settlement offer. I am hoping that someone actually reads this complaint and I can finally get this horrific nightmare completed. PLEASE EQUIFAX your incompetence in these times is literally having real time negative impacts on peoples lives. Any delay in this action and I will have no other choice but to let a court decide. This company is putting peoples lives at risk by their incompetence and negligence.
Product: Credit card or prepaid card

To Whom It May Concern : Comenity- My XXXX XXXX XXXX XXXX XXXX 2017 This is customer, account ending # XXXX .... I just finished a conversation with XXXX XXXX XXXX XXXX XXXX phone number, Account Manager XXXX # XXXX and Floor manager, XXXX # XXXX, about my interest charges. We make our payments on time and pay in full every month. I was told that we are being charged interest on the purchases made between the closing statement date that are NOT on the statement or reflected in the amount due. ( Trailing interest )??? If the amount due is paid in full and received on time, HOW IS THIS LEGAL, to charge interest charges which ARE NOT on the statement. I was told that I could call every month to see what purchases that have been made and the amount owed in addition to the STATEMENT AMOUNT in order to avoid interest charges. These terms and conditions, stated by the account manager, were changed in XXXX 2017 without my consent. Thank you XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of a charged-off account on my credit report. According to the Fair Credit Reporting Act ( FCRA ), all reported information must be accurate, complete, and verifiable. However, the creditor, has failed to comply with IRS regulations regarding cancellation of debt. 

This account was reported as a charge-off, yet I have not received a Form XXXX ( Cancellation of Debt ) as required by the IRS when a creditor writes off a debt for tax purposes. If the creditor has claimed this charge-off as a loss on their taxes, then they must issue a 1099-C to me. Their failure to do so calls into question the legitimacy of their reporting. 

Disputed Account Details : Creditor Name : comenity bank XXXX XXXX Account Number : XXXX XXXX Reason for Dispute : Charged-off account without proper issuance of Form 1099-C Request for Immediate Action : 1. Immediately remove this charge-off from my credit report since the creditor has failed to provide proper documentation ( 1099-C ).

2. Provide written confirmation that this account has been deleted from my credit report. 
3. If the creditor claims the charge-off is valid, require them to provide proof of tax filing with the IRS, including a copy of the Form 1099-C issued in my name.

Failure to comply with this request violates both IRS regulations and the Fair Credit Reporting Act. If this issue is not resolved promptly, I may escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal remedies. 

I expect a written response within 30 days as required by law. Thank you for your prompt attention to this matter.
Product: Payday loan, title loan, personal loan, or advance loan

I have 4 personal loans with upstart. I am behind on all of them. It's not that I can't make the payments currently, I just can't afford all the ones I am behind on. I called upstart to see if I can work out a payment plan, I was told tough luck. I had to make payments or else face bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy they say verified thru court .... i received letter from court saying THEY DO NOT HAVE ANY INTERACTION WITH CREDIT BUREAUS .... i asked that their source and any information be released to me per my right by the FCRA they said courts which clearly DOES NOT INTERACT WITH THEM I ASK THIS BANKRUPTCY BE DELETED ... it is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

In accorda

nce with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 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 an 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 1681 s-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. 


XXXX XXXX- ACCOUNT XXXX
Product: Debt collection

XXXXIRSTPOINT COLL RESOURCES INC is in violation of privacy act 1974, I didnt give FIRSTPOINT COLL RESOURCES INC Consent to report my personal information I also dont remember doing any business with this company, do to FIRSTPOINT COLL RESOURCES INC violating my privacy rights, I have been Suffering emotional damage when it comes to purchasing a home for my children not only that I am suffering but my kids as well, this is call pain and suffering, I have been humiliated. I will like to opt out of this collection, 15 U.S.C 6802-15 U.S.Code 6804 Obligations with respect to disclosures of personal information. Do to sending my information to a nonaffiliated third party such as XXXX, XXXX and XXXX other fraud has been committed under my name. Please show me where I gave FIRSTPOINT COLL RESOURCES INC the consent to share my personal information to these institutions.I ask that FIRSTPOINT COLL RESOURCES INC to obey the laws of 15 U.S.C 1681 ( E ) B-15 U.S.C 1681 I ( 5 ). Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
Product: Checking or savings account

I have been a customer of JP Morgan Chase for over 34 years. Suddenly, I was advised that all of my accounts would be closed and no reason was provided for this closure. I contested this and they would not reverse this decision. I am an entrepreneur who does not run a cash business, isn't in an illicit industry, I have a perfect credit score, I don't deposit cash balances and I have XXXX XXXX  of any kind. 

I have no idea why my accounts were closed after decades of being a loyal customer of chase. No reason was provided and they even closed my United credit card. This has been tremendously disruptive and I don't understand what I have done to trigger such a closer. Doesn't the bank have any obligation to their loyal and good customers?
Product: Credit card

A credit card was opened fraudulently in my name with the credit union Capital One for a total of {$1000.00} I opened a dispute with XXXX on the XXXX XXXX on XX/XX/year>. 

I also contacted Capital One and informed them about the fraud with their bank. Where they started their investigation. 

On XX/XX/XXXX, I received a letter stating that Capital One finished the investigation and deemed me responsible for the accounts. I then made a second call to Capital One on XX/XX/XXXX, to open up another investigation for the fraud claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN Experian National Consumer Assistance XXXX XXXX XXXX XXXX XXXX, Texas XXXX Subject : Disputed items in credit report Im writing about the following data that appears on my credit report. Im challenging the validity of this record showing a debt that is recorded in your system under the FCRA, Fair Credit Reporting Act, Section 609. I am asking you to verify this record. If you can not verify this record, I request you remove this data from my account immediately. 

Disputed Item XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Account Number : XXXX Im writing about the following data that appears on my credit report. Im challenging the validity of this record showing a debt that is recorded in your system under the FCRA, Fair Credit Reporting Act, Section 609. I am asking you to verify this record. If you can not verify this record, I request you remove this data from my account immediately. 

This item on my credit is an error. I have no knowledge of this debt. I did not authorize any person to act on my behalf to undertake this debt. I did not and will not in anyway benefit from this debt. I do not know the persons or parties that originally undertook this debt. 

On XX/XX/2023 a demand letter ( see attachments ) was sent to XXXX XXXX XXXX. This demand letter was seeking verification of the debt that is the subject of this notice. Said letter stated that it appears that debt is not associated with the correct party, some how the information has transmitted in error, or that the debt may have been fraudulent ; therefore, it was requested that all information and / or documents associated with this debt be forwarded as verification of such debt. ( See attachment for actual demand letter. ). As of the date of this letter, XXXX XXXX XXXX has not responded to the XX/XX/2023 demand letter I request your organization investigate this matter. If XXXX XXXX XXXX does not or can not provide such demanded verification it is requested that your bureau remove this entry from the respected credit file. Also, it would be requested that you remove all associated information related to this erroneous entry.
Product: Mortgage

As of XXXX. Selene Finance LLP has continued to conduct fraudulent activity on my account. I was warned to expedite all payments upon the completion of my loan. Selene Finance has continued to charge me a monthly fee for a balance of XXXX $ dollars. I have requested a meeting and correspondence. Selene Finance is not willing to comply to my request.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX OF XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account is inaccurate it is reporting inconsistently across bureaus. XXXX and Transunion are reporting inconsistent account numbers this account could belong to anybody. If the information is coming from the original creditor the information should be consistent across reports. We can not say this account is accurate. Youve failed to investigate this account properly and your neglect has violated my rights. I am demanding deletion of the following account : XXXX XXXX  - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This problem began last year towards the end of XXXX. I saw my score drop almost XXXX points & knew something was wrong. Our mortgage company had falsely reported us missing a payment, so now I had an account in delinquency & for the first time ever : less than 100 % payment history. Immediately, we tried disputing this bc we knew it was incorrect. We got married last year, earlier in that same month, and we were actually ahead on our mortgage cause we paid more than we needed to that month or the month before ( just to be safe, since weddings can get expensive ). Neither the credit reporting agencies or our mortgage company have taken this error off my report since it happened, even though we have confirmed with our mortgage company that we didn't miss any payments & that our account is up to date. They've made this mistake multiple times since then, so much so, it now shows up as 3 missed/late payments. Since this happened last year, I've lost upwards of $ XXXX in credit card limits bc they would check my report, see the " delinquency '' and lower my limit, then my score would lower bc my utilization was higher ( due to the lower limit ) & when they'd check again routinely, they'd see lower score + " delinquency '' still & lower my limit AGAIN. I've been stuck in the financially debilitating cycle for over a year now & disputed time & time again thru XXXX XXXX with XXXX & equifax- no one will correct the errors. We have spoken to our mortgage company so many times now about this issue & I still can not understand why they won't correct their own error since our account is in good standing/we 're ahead on our loan/etc.
Product: Debt collection

I CHECKED MY CREDIT REPORT AND SAW THAT THIS WAS ON MY REPORT. THIS DEBT DOES NOT BELONG TO ME
Product: Mortgage

On XX/XX/2018, I filed a complaint ( Complaint no. XXXX ) against servicer XXXX XXXX XXXX for failure to abide by Florida Statute 501.137, see attached statute herein. The complaint was close because XXXX claimed that i was not authorize by my Bankruptcy Attorney to speak to them. On XX/XX/2018 & XX/XX/2018, the third party authorization was submitted to XXXX XXXX XXXX. See attached herein. Although, we have fax confirmation from both dates that it was received by XXXX XXXX XXXX. The third party correspondence from Bankruptcy Attorney XXXX XXXX, clearly reflects that i am fully authorize to speak to them and therefore authorize to file this claim. 

This claim should be taken very seriously. XXXX XXXX is refusing to pay fo the homeowners insurance. Under Florida statute lenders must pay for the insurance timely when ever the account has escrows. XXXX has made the false claim that can not pay for the insurance policy alleging we do not have an escrow account. 

Since the commence of the loan i have an escrow account. In fact, see attached copy of loan modification agreement with previous servicer XXXX XXXXXXXX XXXX. XXXX transfer the servicing rights and ultimately the loan is being serviced by XXXX XXXX. The loan mod reflects the amount deducted for escrows, also the XXXX statement confirms the same. In addition we have attached copy of the summary judgment that XXXX acquired in court. it reflects how XXXX paid for taxes & insurance in advance because the account is escrowed. 

At this juncture i am actively in a chapter XXXX, Bankruptcy Code, case no. XXXX. I am making monthly payments to XXXX, accordantly to the Chapter XXXX plan. However, as part of the negotiation, i was required to send my financial information to be review for loan modification. XXXX is reviewing the request, however as part of the loan modification process, escrows must be included in the trial plan. XXXX refuses to pay for the homeowners policy seeking higher payments by placing a forced placed policy. It is ridiculous on its face to claim i dont have an escrow account, when we have a mountain of proof that contradict XXXX poor excuse for not paying the insurance i provided pursuant to Florida Statute 501.137. In order for the loan modification to proceed we must have the insurance paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a victim of identity theft I have frozen the credit reports for myself and my wife several years ago. I was excited that I can now do the same for my minor child as part of the new law. This Minor Freeze should be free. 
With some difficulty I have now accomplished this with XXXX  and XXXX. However, I have not had any success with Equifax. They have the wrong information on their web site, which has been linked to in countless publications at : https : //assets.equifax.comXXXX   This link says to mail the paperwork to XXXX XXXX XXXX XXXX, GA. When I did this on XX/XX/2018 they rejected my request. They sent a nonsensical letter dated XX/XX/2018 that said I needed to send all the information I had already sent along with a fee. They also suggested I send to a different XXXX XXXX ( XXXX ) also in XXXX. I have called them several times in XXXX and XXXX, most recently, XX/XX/2018. Each time they tell me this address is wrong, and give me various other addresses to use, most recently XXXX XXXX XXXX in XXXX. They also tell me the proofs listed on the same form online are also wrong or incomplete. 
I believe they are making no effort to comply with this very important federal law because they have not even bothered to change the link to the PDF on their web site for this important process ( https : //help.equifax.comXXXX ). It has been two months and they have not bothered to fix this data on their site. They have also promised to call me back from a manager and have not done so. 
I am certain others have encountered the same difficulty I have. If they won't respond to me perhaps they will respond to your regulatory agency. Please help, I do not feel confident mailing our personal documents again to this company when they can not even get this basic information straight.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data werestill incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Payments are made electronically using my credit union bill pay function and scheduled at the beginning of each month. Payment of XX/XX/2019 ( a Sunday ) was posted to Synchrony Bank on next business day, Monday, XX/XX/2019 and I was charged a {$28.00} late fee. When I did not pay the late fee in XXXX, was assessed an additional {$41.00} late fee, which has since been credited. 

I have contacted call center on two occasions, last being Monday, XX/XX/2019, when I was told the {$28.00} fee was credited. It still has not been, and collection attempts are beginning all over again. 

I have been very clear with call center employees that payment on the next business day satisfies all common business practices in the U.S with every other bill I pay. 

Thank you,