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

I have had it up to here with the utter incompetence and negligence of credit reporting agencies like yourself. It is unfathomable that I have to go through the trouble of filing a CFPB Complaint just to dispute the rampant inaccuracies on my credit report. As mandated by the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure that the information on credit reports is not only accurate but also up-to-date. Yet, here I am, having to request that you investigate these erroneous accounts and make the necessary updates to rectify the damage you have done to my credit score. The following accounts are not just erroneous, but they are outright erroneous and have no business being on my credit report : XXXX XXXX Balance Owed : {$7800.00} Date Opened : XX/XX/2020 XXXX XXXXXXXX Balance Owed : {$0.00}. I have included a copy of the dispute letters I previously sent highlighting these erroneous accounts for your reference. I expect a prompt response and immediate action to remove these accounts from my credit report within the next 30 days, as stipulated by the FCRA. Your blatant disregard for the accuracy and integrity of my credit report is unacceptable, and I will not hesitate to take legal action if necessary. Get your act together and do your job properly.
Product: Credit reporting

My Equifax credit report presents with ( XXXX ) addresses that are not mine : XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX XXXX, XXXX XXXX. I have repeatedly requested that these addresses be removed and they have not been removed as of yet. In addition, Equifax reports the following information that does not belong to me : 1- XXXX, XXXX/XXXX/XXXX, {$410.00} 2- XXXX, XXXX/XXXX/XXXX, {$320.00} ( reported twice ) 3- UnknownXXXX, XXXX/XXXX/XXXX, {$400.00} 4- UnknownXXXX, XXXX/XXXX/XXXX, {$940.00} 5- XXXX Mortgage, XXXX/XXXX/XXXX, {$18000.00} 6- XXXX XXXX, XXXX/XXXX/XXXX, {$1700.00} 7- XXXX, XXXX/XXXX/XXXX, {$89000.00} 8- XXXX, XXXX/XXXX/XXXX, {$5100.00} 9- XXXX XXXX, XXXX/XXXX/XXXX, {$4000.00} 10- XXXX XXXX, XXXX/XXXX/XXXX, {$21000.00} 11- XXXX BankXXXX XXXX XXXX/XXXX/XXXX, {$300.00} 12- XXXX Vacation XXXX XXXX XXXX/XXXX/XXXX, {$13000.00} 13- XXXX Bank XXXX XXXX XXXX/XXXX/XXXX, {$420.00} 14- XXXX, XXXX/XXXX/XXXX, {$180.00} 15- XXXX XXXX, XXXX/XXXX/XXXX, {$3700.00} 16- XXXX XXXX, XXXX/XXXX/XXXX XXXX {$360.00} 17XXXX XXXX, XXXX/XXXX/XXXX XXXX {$4900.00} Please remove these items
Product: Checking or savings account

I had three fraudulent transactions from the same Merchant that occurred at about XXXX XXXX. I have made multiple attempts with Chime Banks disputes Department to fix the fraud and refund my money and no matter what I send them, even detailed proof from the merchant regarding the fraud and confirming it, they will not refund my money. I have asked multiple times to please speak to someone in the Chime Bank 's investigative department and they refuse to speak with me. I just keep sending emails that go unanswered
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information that's on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my credit report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I sent three certified letters on XX/XX/2021 to Credit Control CorpXXXX and due to noncommunication of the letters I sent on XX/XX/2021, a copy of which is enclosed along with a copy of the ( certified mail or fax receipt ). I sent you a letter requesting validation of the above account and was received by them on XX/XX/2021. 

One collections was removed due to not being able to validate the other two still remain. 

My request was to : -Please provide a breakdown of fees including any collection costs and medical charges. 
-Provide a copy of my signature with the provider of service to release my medical information to you. 
-Cease any credit bureau reporting until the debt has been validated by me. 


Under the Fair Debt Collection Practices Act, you are required to respond to my request for validation within 30 days of receipt of my communication. However, it has been more than 30 days, and I have yet to receive a response. Under both State and Federal consumer law I have the right to have my debt validated, and you are obligated to respond within the statutory time limit. 

I then sent a failure to validate letter on XX/XX/2021 and was received XX/XX/2021, which is also attached as ( letter 2 ) also attached the certified recipets as well.
Product: Debt collection

I received a letter in the mail from RMS claiming I owe {$71.00} to XXXX. A principal amount of {$31.00} and " other '' fees totaling {$40.00}. I replied within 30 days with a debt validation request, which was received by RMS on XX/XX/XXXX. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX labeled " Notice of credit bureau notification '' from RMS stating I had 10 days to fulfill the amount or my information would be reported to credit bureau. At this point, my debt validation letter had not been responded to. I called RMS on XX/XX/XXXX and spoke with XXXX XXXX ( XXXX ) who advised me the account was in dispute and that the documentation I requested was being obtained and my validation letter was received. On XX/XX/XXXX, I received a credit notification ( XXXX ) of a new collection account in the amount of {$71.00} from RMS. I placed a call to RMS at XXXX on XX/XX/XXXX seeking information as to why my debt validation request was not responded to and why the account was reported to the credit bureau. I was told that nobody was available to help me and that I would need to leave a voicemail for " XXXX '' and was promised a call back immediately. At XXXX I placed another call requesting to speak with XXXX. After being connected with XXXX, he confirmed that the account was forwarded to the credit bureau on XX/XX/XXXX, that my debt validation request was received on XX/XX/XXXX, and that a letter was sent to me dated XX/XX/XXXX, acknowledging receipt of my debt validation request. XXXX then asked me if I was willing to pay the principal amount of {$31.00}. In doing so, he would send me a letter saying the debt was satisfied and request that it be removed from my credit report. I declined the offer as I was still unaware of the debt and its validity. I politely asked XXXX for his full name and he declined to help me any further and disconnected the phone call. As of today 's date, I 've never received validation of the debt. I was also asked several times why I do n't remember the bill as it was from just XX/XX/XXXX.
Product: Mortgage

I submitted two Requests for Mortgage assistance to Carrington Mortgage. I submitted one in XX/XX/2020 and another in XX/XX/2020. 

Both RMA 's were canceled because " I failed to forward the documents to complete my application. '' Regarding the XX/XX/2020 RMA Carrington continued to tell me that I did not comply with their requests for documents that they stated were missing from my application. The fact is I sent the documents on three occasions and the said the documents were not received, therefore my application was canceled. 

At this point, I began to investigate why they did not receive my documents and I discovered that the Carrington representative had given me an incorrect email address to forward documents. ( attached # 1, 6 examples ). The correct address should be : XXXX, instead they gave me this email address : XXXX. 

The email address they gave me was missing the S in the word assistance. 

The second time they canceled my RMA was because I stated on the RMA that I had " rental income. '' I do in fact have rental income on another property I own. Their Statement to me was, " That I falsely stated that I had rental income on my primary residence. The form in part, ( attached # 2 ) is clear in the question ; " Do you have rental income? '' I answered the question factually. I do have a rental income. It is not generated from this property, but I do. Because Carrington felt I was being deceitful they canceled my RMA, again. On a three-way phone call to Carrington with my HUD counselor on the line, a Carrington representative admitted that they made a mistake in canceling the  second RMA, but this action was irreversible and the application could not be

rein stated.

At this point, Carrington has accepted my third RMA and it is now in underwriting, but they refuse to confirm that the XX/XX/2020 sale date has been postponed pending the outcome of underwriting 's decision.
Product: Credit card or prepaid card

On XXXX-23 submitted for my 2023 Costco Cash Rewards to be redeemed via the offered electronic transfer option to my bank account. The transfer of {$300.00} was to take place within 3-5 business days but as of today, XXXX-23, has not transpired. Multiple phone calls and conversations with Customer Service Reps and Supervisors have ended with no resolution. In one conversation on XXXX-2023 there was to be an inquiry/investigation with a phone call within 7-10 business days which also did not occur. My last conversation with a Customer Service Supervisor basically ended with him saying he has no information or updates.
Product: Credit card

Made a purchase on XX/XX/XXXX. Had not received purchased item when the 60 day dispute time ( from time the charge appeared on statement ) came to an end XX/XX/XXXX so I disputed the charge. American Express took the merchant 's word that everything was on track and recharged the purchase. Still had not received the item as of XXXX/XXXX/XXXX so called to dispute again. Received email from merchant on XXXX/XXXX/XXXX stating a credit had been issued. No credit received and American Express still waiting for merchant response ( until XX/XX/XXXX? ). It has been more than 6 months - item not received and can not get XXXX XXXX to issue credit/refund despite time elapsed and documentation from merchant that credit was to be issued.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is inaccurate fraud account and shall delete from my credit report by XXXX. 
This account number XXXX with a balance of {$27000.00} shall delete as agreed by the creditor. 
This is not my account and the creditor agreed to delete it.
Product: Mortgage

HI, In XXXX once the stay home order was issued in california, and as a realtor i lost all my listings and business. I emailed my loan company amwest mortgage. I told them I can't make XXXX payment, please help. They finally responded after a few emails in late XXXX and said they didn't get the emails and now would agree to defer XXXX and XXXX, and add it to the next 4 payments starting in XXXX. I told them thats a crazy amount, i want to pay in XXXX since real estate takes a few months to sell again, and move the XXXX, XXXX, and XXXX payments to the end of the loan. They don't respond. Please help. all other banks are doing this or lowering rates and payments like a loan mod. I have never been late and was pro-active here reaching out. They also added a late fee, and have continued predatory lending saying the investor doesn't care about covid-19
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXXm XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Checking or savings account

Chase bank is illegally restricting my account after clearing a business check submitted by me. This is causing great stress and XXXX as they are returning my bill payments and my credibility is being challenged. I have tried speaking to customer service numerous times with no success this is illegal as nothing fraudulent occurred in my account. They lied about sending correspondence to inform me of any situation as I never got anything to inform me of any restriction on my account until my creditors began calling. 
Dear XXXX XXXX, A payment in the amount of {$390.00} that posted to the above-referenced XXXX XXXX XXXX account on XX/XX/2022 was returned. If additional payments are returned in the future, it may result in the closure of your account. 

If you are currently enrolled in Paperless Documents, simply sign in to Online Account Access and choose Documents & Statements to view your new document. 

If you were enrolled in AutoPay, your enrollment has been canceled. Payments will no longer be processed automatically.
Product: Payday loan

Three years ago I was contacted by phone by an online payday loan company. I was told I had made a {$700.00} online loan which had been deposited into a XXXX XXXX account. I told them I did n't borrow money nor did I have an account at XXXX XXXX. I contacted the Federal Trade Commission who took a complaint and told me it was best not to engage callers. 
The " collectors '' called me several times over the next year, each call from a different company saying I owed more and more. I assumed they were selling my name to the next con artist. But in the last year one company has consistently called me threatening to take me to court. I told them that I welcomed a court date so they could prove this debt I did n't make. They then began sending bills for {$6700.00}, and periodically calling. 
The other day I called my mortgage bank to get info on a refi and was told there was a {$6700.00}. collection on all XXXX credit reports. 
The Company is XXXX XXXX XXXX. 
I have n't tried to contact these people, because it 's not my debt and they do n't want to hear that. They just want you to pay anything they can get. I have contacted XXXX and disputed the debt, I was told I should hear something with in 30 days. They have ruined my credit rating and may potential cost me in higher interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit monitoring service which alerted me on XX/XX/2022 about a credit query to XXXX from XXXX, Since I did not initiate or recognize I put a freeze on my credit report for all three credit bureau XXXX I also called Fortiva next business day to enquire and I was told there is account being opened under my SSN so I was relieved but on XX/XX/XXXX I got another new account open alter, then I contacted Fortiva again - this time they told me yes there is credit card issued under my SSN for {$5000.00} limit, So I told the customer rep about previous call where I was told no account was being opened how could this happen for which I was transferred to fraud depart where they verified how I am and told they will fix it right away and notify all three credit bureau. Due to my previous call experience with Fortiva I wanted to be sure this time so after 3 days I followed up again to my surprise nothing was done and they asked me to submit a notarized fraudulent application affidavit which I did and now I been told they need another 60 to 90 days to investigate the issue. I can not relay on Fortiva so I am asking for help here.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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- ( ipromptly 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX, 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 XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had a car repossessed in XX/XX/XXXX. At the time I was out on XXXX  due to a work injury and a single parent. I was financially insolvent. VW Credit just submitted the charge off with tax year XX/XX/XXXX. Now the IRS is auditing my income for tax year XX/XX/XXXX. My understanding is that they are outside of the statute of limitation to charge off a debt that happens in XX/XX/XXXX in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Im requesting a proper re-investigation be completed. XXXX XXXX XXXX still reports an open balance and without my consent shares the same inaccurate information with all XXXX credit bureaus. The inaccurate reporting has caused severe harm to obtaining future financial assistance. Causing more harm to my credit score and potential discrimination for a fair chance in obtaining new loans.
Product: Student loan

My name is XXXX XXXX ( formerly XXXX XXXX ) and I attended the University XXXX XXXX during which time I took out loans. I applied for teacher loan forgiveness in XXXX  and was denied by XXXX XXXX XXXX XXXX XXXX ( XXXX ) and wasnt given a reason why. My loans later got transferred to Navient. 
I also have read that Navient reached a {$1.00} XXXX settlement deal over allegations that the company engaged in unfair and deceptive loan practices. I have read the many reports that ACS also closed down to faulty practices.

I paid off all my loans totaling {$23000.00} but I should have had those loans forgiven because I have been a special education teacher in a low income school for the past 15+ years and I made at least 120 qualifying payments. I have read up on the various lawsuits and see that customers are entitled to restitution for that money that I paid that I shouldve had forgiven. 
Can you tell me next steps to insure I get full restitution ( I believe it is {$17000.00} ) for my service as a special education teacher in a low income school? 
Thanks, XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOUR COMPANY REFUSED TO REMOVE AND RE-INVESTIGATE THESE DISPUTED ITEMS. 
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be re-investigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 
REMOVE ALL FRAUDULENT ACCOUNTS IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I'm writing to express my concerns on a couple issues I've encountered with the credit bureau. False account listings, illegal inquiries, inaccurate credit reporting, inconsistent billing, and accounts that are not mine are some of these issues. 

In order for me to be financially secure, I need assistance in solving these issues.
Product: Debt collection

I received a letter from TRS recovery services that I owed two payments to XXXX for items I had purchased at XXXX. My bank, XXXXXXXX XXXX in XXXX WA was purchased by XXXX XXXX XXXX and it was in the transition period that I went to XXXX XXXX Wa to XXXX and purchased several item for a total of {$180.00}. I tried to use a debit card from my bank, XXXXXXXX XXXX and it was blocked. I did not receive any checks from XXXX XXXX XXXX for few days, so I used an XXXX XXXX  to pay for the items. I also received another letter from TRS recovery services in the amount of $ {$27.00}. They are adding a {$30.00} fee for a total of {$320.00}.