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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

On XXXX XXXX, I came to a settlement agreement with XXXX XXXX XXXX, a representative of the collection firm XXXX  and XXXX XXXX. concerning the listed file number. I was forced to reach an agreement with this representative due to Capital Ones refusal to work with me. My contact through Capital One was XXXX XXXX and it was difficult to reach him and get responses or answers in a timely manner. While his letter referred me to XXXX and XXXX to resolve the account, I had on more than 1 previous occasion rescinded any rights to transfer my information or account outside of Capital one. As a result of forcing my hand, per the attached settlement letter, the amount of {$4100.00} was paid in 2 installments of {$250.00} on XXXX XXXX and {$3800.00} on XXXX XXXX as the enclosed copies of the payment receipts show. As a result of my payment in full, I contacted XXXX on XXXX XXXX, XXXX at approximately noon to request an immediate paid in full letter to be emailed to me at XXXXXXXXXXXX as soon as the payment had cleared. This representative became rude when I stated that I wanted the letter to be sent to prevent any additional fees to be suddenly added after my final payment. The final payment cleared my bank as of XXXX XXXX and 2 weeks have passed with no letter of confirmation of payment in full. I felt very threatened when XXXX had a court appointee bang on my front door hard enough to dent the strike plate and damage the latch in order to issue a summons at the beginning of this entire confrontation with a letter in the summons dated from XXXX XXXX, XXXX and presented to me on XXXX XXXX, XXXX. On my initial contact with XXXX, I expressed my complaint at the way the summons was served and that my wife and I felt threatened at the scare tactics used. His response to me was Im a lawyer so I know the law and I dont care what you do and his language was very confrontational and his statement about the aggressive tactics were to get my attention. I am requesting a completion of payment and paid in full letter in accordance with my request to XXXX and in accordance to the total in the agreement letter to be mailed within 24 hours of your receipt of this certified return receipt letter. This letter and its accompanying documentation will be mailed to both XXXX and XXXX and Capital One and will be retained for any possible future action that might be needed. I will be notifying the Better Business Bureau and the Consumer Finance Protection Bureau about this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has reported on my Trans Union report on (XX/XX/2018 ) I do NOT know what these are and they don't belong to me. i don't have any accounts with this company. I need these marks taken off my Trans Union report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning XX/XX/2017, I closed all my credit cards and loan accounts. I legally closed all of these accounts with the help of XXXX XXXX XXXX ( " XXXX '' ). XXXX guaranteed me all these accounts were closed. In addition, XXXX promised that they were consolidating all these accounts into one payment of {$690.00} through their sister company, XXXX XXXX. These are the following accounts closed in 2017 : 1. XXXX XXXX XXXX ; 2. XXXX ****XXXX ; 3. XXXX XXXX ****XXXX ; 4. XXXX XXXX XXXX ****XXXX ; 5. XXXX XXXX ****XXXX ; 6. XXXX ****XXXX ; 7. XXXX XXXX ****XXXX ; 8. XXXX XXXX ****XXXX ; 9. XXXX XXXX ****XXXX ; 10. XXXX ****XXXX ; 11. XXXX ****XXXX ; & 12. XXXX ****XXXX. 
Since that time, I have paid off all these accounts except for three ( XXXX ****XXXX, XXXX ****XXXX, & XXXX XXXX ****XXXX ). However, I have noticed that the information being reported on my credit reports by Equifax is incorrect. Equifax shows that my accounts went into default : past 30 days, 60 days, 90 days, etc. These accounts were closed before they started going into default. I have been disputing this incorrect information with Equifax for a few years now. Unfortunately, they continue to report incorrect information on my credit report. 
Equifax claims to have investigated the disputes. By whom? An independendant investigation company or their own biased investigators. In the last four years, I have suffered mentally, financially as a result of these negative remarks on my credit report. Their negative remarks on my credit report continue to bar me from obtaining automobilbe loans, personal loans, & credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax for my XXXX XXXX XXXX account that was reporting on my credit report incorrectly. Equifax sent back the results of the first investigation which did not correct the inaccuracy. So, I took time to write a very detailed letter and provide a full credit report highlighting all the inaccuracies. I received the results of the 2nd investigation back and Equifax has not answered any of the questions asked in the second letter or explained or corrected the blatant inaccuracies. As a result I was delayed on closing for a house. Equifax has failed to met their obligations under the Fair Credit Reporting Act therefore I am filing a complaint to force them to delete this blatantly inaccurate information.
Product: Debt collection

Midland funding has partially responded to all disputes made on CFPB. This is intentional I am NOT represented by Freedom debt relief and they have not proven that I was served for the lawsuit they brought against me concerning webank. It was past the statute of limitations and I NEVER was served and had no way o defend myself. Wages were garnished and Midland funding still reports on my credit bureaus. XXXX account was with webank and another with XXXX both fraudulent. I have requested debt verification including m signature and proof that these debts belong to me. I want records and signatures verifying these accounts are mine. I also want proof that I was served for court. Midland funding has been sued for dishonest practices and fraud. I 'm a victim of this and will pursue this, I have not received letters like they claim
Product: Debt collection

On or about XX/XX/2021 we received in the US Postal Service a written notification from Source RM. In it they claimed they were collecting debt of {$5800.00} on behalf of XXXX. We do not currently nor have we ever had an account with XXXX. Additionally, my last name was spelled XXXX, not XXXX, and there was an apartment number at our address but our home is a single family dwelling. 

On the same day we contacted Source RM at the number they gave to dispute the claim. When I discussed the incorrect spelling of my last name and the apartment number, they asked about an e-mail address attached to the account. The e-mail address was also not mine. They told us they would send out a fraud dispute package in the mail. 

On XX/XX/2021, we contacted Source RM to follow-up as we had not yet received the fraud package. They stated it had not yet been sent, the account was listed as in dispute, but they only have one person handling disputes and it may take longer to receive than 7-10 business days. They informed us we could dispute the claim directly on XXXX. 

One of the requirements of disputing a claim on XXXX is to provide a police report. On XX/XX/XXXX, a Pennsylvania State Trooper reviewed the letter from Source RM and informed us it appeared to be a fraud. He directed us to the consumer.ftc.gov to file a claim.
Product: Credit card

Dear Sir or Madam, Please see the following complaint below. This is regarding Citibank 's unauthorized add-on charges towards my credit card since XXXX XXXX to present. 

On Monday, XXXX/XXXX/XXXX, I contacted Citibank to dispute an " add-on charge '' on my credit card. I was told by a Citibank representative that this was not a mandatory charge, that it was in fact an " optional fee '' for insurance by a company called Payment Safeguard. I told the representative I had no knowledge of this nor did I ever approve this service. I asked to see proof of enrollment and was told by Citibank that they would send proof to me within 30 days. I never received any type of proof of enrollment even after 30 days. I then requested Citibank to send my statements from XXXX to XXXX ( present ) to see how much I was being charged since XXXX which totals {$16000.00}. On XXXX/XXXX/XXXX, I received a letter from Citibank Customer Service stating that I had cancelled this Payment Safeguard service with the following statement : " Based on the length of time that your account was covered by the program benefits, your account protection fee refund amount will be {$530.00}. We 've credited your account for this amount, as well as any related interest charges. The credit will appear on your statement within two billing periods. If you have any questions about Payment Safeguard, please contact XXXX. '' This amount of {$530.00} is unacceptable, I never agreed to it and I am entitled to the full amount of {$16000.00} plus interest since XXXX. Since XXXX/XXXX/XXXX, on several different occasions, I spoke with various Supervisors from both Citibank and Payment Safeguard. On XXXX/XXXX/XXXX, I spoke with XXXX, a Supervisor from Citibank, I was again transferred to the Payment Safeguard company in which I spoke with a Payment Safeguard Supervisor named XXXX. This is where I hit a road block. XXXX informed me that all that Payment Safeguard can do is submit my claim to their Account Maintenance Department which has no phone number to speak with an actual person, all they have is an address with a post office box ( see address below ). This was my last contact with Citibank. 
XXXX XXXX XXXX XXXX XXXX XXXX, South Dakota XXXX Upon further research, I discovered that on th CFPB website, Citibank had been issued a XXXX page consent order by the CFPB File NO. XXXX which I 've read thoroughly. Also, on CFPB website, please read an article by XXXX XXXX - XXXX/XXXX/XXXX titled " Citibank to Refund {$700.00} XXXX to Credit Card Customers to Unfair and Deceptive Practices '' which has affected XXXX XXXX cardholders including myself. 

On a personal note, being a single homeowner, the amount of these add-on charges could have been put towards my mortgage for the last 13 years. 

I would like to thank you for your attention and time towards this matter and look forward to having it rectified as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/XXXX Subject : Request for Reinvestigation of Account Information Under 15 U.S.C.

1681i ( a ) ( 6 ) ( B ) ( 3 ) Dear Equifax, I am writing to formally request a reinvestigation of the accounts listed below, which are currently reported on my credit file. Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( 3 ) of the Fair Credit Reporting Act, I am requesting that you verify the accuracy, completeness, and current status of these accounts. 
Account Information : Account Name/Number : XXXXXXXX XXXX Reported by : XXXX XXXX Date Opened : XX/XX/XXXX Amount Reported : {$1000.00} Account Name/Number : Portfolio Recovery Associates Reported by : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount Reported : {$660.00} I request that you verify the accuracy of these accounts information and provide a full and complete reinvestigation into these accounts. If you find any inaccuracies or incomplete information, I ask that you promptly delete the account from my credit file as required by law. 
As per 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( 3 ), I am entitled to a reinvestigation of these accounts and expect the results of your investigation, including any updated reports, to be provided to me in accordance with the time limits set forth in the Fair Credit Reporting Act.

Please let me know the outcome of the reinvestigations and any changes made to my credit report within the required time frame. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution of any errors. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Someone tried to apply for a credit card threw capital one using my personal info and it was denied and it dropped my score, the reporting agency of XXXX XXXX and XXXX have take. Points but aswell they are not updating my credit scores as of last year in XXXX Ive been denied personal loans trying to purchase my first home I cant get approved for anything but people keep adding more XXXX to my credit report but they will. Not update it with anything positive so I can move forward with anything. This is really having a horrible influence with lenders and I cant buy my house Im being scammed out of from XXXX XXXX who is evicting me and keeping my XXXX down payment and quit excepting my house payments
Product: Credit reporting or other personal consumer reports

XXXX account was being charged large amounts that was not me.
Product: Credit reporting

Unable to get my credit reports from any of the credit companies they refuse to provide me my free annual credit report and they claim I have n't provide proper identification, which is a lie.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern, I applied for a Mortgage Loan, knowing that I am 100 % qualified and thought I have XXXX credit score. When the loan officer pulled up my credit and said that my credit score is XXXX, I was shocked. I paid all my bills on time, never was late with any payments in my life, pay credit cards in full every month and paid my currant mortgage down 80 % within 2 years. HOW THAT is even possible? JCPenney reported Charged OFF account of {$2500.00} that I have no clue about. I have an active account with JCPenney with {$0.00} balance and {$1000.00} credit limit. I called the customer service probably 10 times already and it does n't get me anywhere where I need to be. First of all customer service representatives could n't see any charge off accounts and their managers refused to take the calls and did n't want to be responsible for any actions, they refused to connect me to anybody. Finally after 2 days of trying, they said they will send me the dispute letter within 7 business days, some representative transferred me to the Fraud department to file Fraud ( XX/XX/XXXX ). They provided me with a fraud case # XXXX. I called today XX/XX/XXXX-a week later, nothing has been updated, no info, no progress, no dispute letter that they suppose to mail. Nobody should ever be in this situation, this is stressing me out, it is financially hurting my ability to buy a new home for my family and JCPenney does n't take serious responsibility for anything. Please help me to resolve this issue. 
Best Regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon looking at my credit report I found several I found several fraudulent accounts including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and there also several fraudulent hard inquiries which includes XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ChXXXX 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

On my experian report I have debt collecter XXXX XXXX collecting for XXXX XXXX in XXXX. I have made 3 dispute claims with Equifax and XXXX and it still remains on my report. First attempt XXXX, second XX/XX/XXXX, & XX/XX/XXXX. Each complaint gets returned correct debter. That is not factual I'm telling Equifax XXXX XXXX its fraud and filed with the FTC for documentations. I spoke to XXXX ( XXXX ) whom was uncooperative to my needs to have this remove violating my rights to obtain information they deem proves the account is mine. I want this report gone just like XXXX has done as well as XXXX   and with only one dispute filed. Please give me support in mediating and exersing my Fair Credit Rights. 3 disputes and will not remove it is rediculous. Last checked with XXXX XX/XX/XXXX pending investigation.
Product: Debt collection

I got a text message from this company called State Collection Services. Honestly their text looks like a scam. I really am not sure. It doesn't say anything about this is an attempt to collect a debt. I tried to call them multiple times to find out if it was legitimate. When I finally got through they wanted my full name, date of birth and address. That sounds super scammer. That sounds like every other scammer that calls. I said if I have a debt with you can you pull it by my name. The lady was super rude. Didn't say this is an attempt to collect a debt. 
I still have no idea if this is legit or not. Why would I give my information to anyone with 10 scam calls a day and I don't have any idea if this is real.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am following up on my prior complaint as I am unable to add documentation or edit said complaint. Once again I was on the phone with Transunion in order to rectify the derogatory credit rating that they applied to me by dropping my credit score by 66 points due to the Cares Act Mandated requirement to defer my loan. This was done without my permission. I am paid over one year in advance as well as began payments prior to the required time to pay the loan. I paid while my daughter was in school! I have never been late. I was once again put on hold with this company for over one hour ( I have phone records to prove this ) and finally hung up. It is quite clear that they have no interest in fixing any of this. Prior to requesting I be transferred to a supervisor as I was told that this would be looked into, I spoke to XXXX and she said that it was in review and that nothing could be done. I want my credit score to be what I have worked hard for it to be. I want it reinstated to the score it was prior to Transunion deducting 66 points and better as I have since paid off or down on more obligations. This is a direct violation of the CARES ACT it should not even need to be in review. I quote, " The CARES AcXXXX suspends student loan payment obligations through XX/XX/2020. During that time, borrowers ' credit reports are supposed to reflect the loans as if there was " a regularly scheduled payment made by a borrower. '' This requirement is also reflected on XXXX  's own website, which explained in a blog post that " the Department of Education will report suspended payments to the national credit bureaus as though they were on-time payments. '' Despite requirements under the law, public complaints from borrowers like lead plaintiff Mr. XXXX reveal widespread, improper furnishing and credit reporting. Specifically, borrowers whose loans are serviced by XXXX XXXX complain of their damaged credit caused by no fault of their own. Following borrower complaints, XXXX XXXX has publicly acknowledged its error. 

XXXX XXXX is the government student loan contractor that handles loans for more than 8 million customers and is the largest servicer of borrowers with federally held loans. Today 's lawsuit demands XXXX XXXX immediately cease violating the California Consumer Reporting Agencies Act. Today 's lawsuit also demands XXXX, TransUnion, XXXX  and XXXX XXXX XXXX immediately cease violating the Fair Credit Reporting Act, the California Consumer Reporting Agencies Act, and California 's Unfair Competition Law ... .. '' and it goes on this is from an article XXXX  : XXXX? XXXX. I would like this fixed no. There are absolutely no excuses. Shame on TRANSUNION, XXXX, AND XXXX XXXX! I expect this agency to do something about this truly. This is in direct violation to what the CARES ACT was designed for. It is supposed to help not DAMAGE!
Product: Debt collection

After my accident and left XXXX my apt evicted me and said I would only owe the last three months left in lease totaling {$2700.00} and Rent Debt Collections reported inaccurately to all three credit bureaus that my balance Id {$5800.00} and thats not true
Product: Debt collection

I got multiple calls from company named " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX regarding a medical bill payment scam. They are trying to scam me for paying a medical bill i do not owe. I don't know how they got access to my medical record and believe they have stolen the medical records. They say to have sent the medical bill but i have not received it on my mail. They called me from XXXX.
Product: Credit reporting or other personal consumer reports

After a recent review of my credit report, I discovered that Experian is reporting inaccurate information. The inaccuracies include : Monthly Payment Date Opened Balance No. of Months ( terms ) High Credit Credit Limit Past Due Payment Status Last Reported Comments Date Last Active Date of Last Payment Two-Year Payment History These inaccuracies are not only misleading but also falsely manipulate the statute of limitations. Despite my repeated requests for investigation, Experian has failed to address these discrepancies correctly, thus violating my rights. Both results returned as verified including the most recent results from XX/XX/year> ( Attached ). This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights.

I am demanding the deletion of the inaccurate account. 

Accounts Name : XXXX XXXX Account Number : XXXX DELETE this inaccurate account!!!

Specific Violations : I requested that you provide me with the name and address of the person ( s ) that you contacted to allegedly verify the information that I have rightfully disputed. But you FAILED to do so. Violating The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D FCRA Section 607 ( a ) ( 4 ) - Consumer Right to Privacy : Experian is reporting fraudulent accounts that do not belong to me, infringing on my privacy rights. I should have sole authority over what information is considered private, and my hard inquiries and account information should not be shared without my consent.

FCRA Section 623 ( a ) ( 2 ) - Misleading False Reporting : Experians reporting falsely implies multiple inquiries and accounts were made by me, when in fact these are the results of fraudulent activities. This misleading reporting breaches the FCRA fairness requirements.

FCRA Section 616 - Civil Liability for Willful Noncompliance : Despite previous disputes, Experian has failed to verify the accuracy of the credit information, showing willful noncompliance which could result in civil liability of up to {$1000.00} per violation.

FCRA Section 605B - Aggravated Identity Theft : Sharing my personal information with creditors without my consent constitutes aggravated identity theft, which carries severe penalties.

FCRA Section 603 ( d ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information : Experian has not disclosed my right to opt out of sharing my personal information, which is deceptive and violates my consumer rights.

FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms : Experian continues to furnish inaccurate inquiries and accounts without proper validation, potentially violating Generally Accepted Accounting Principles ( GAAP ). This practice is unacceptable.

In addition to the above, Experian has previously violated, Identity Theft Laws, Acquiring Location Information Regulations, Timely Payments Regulations, Finance Charge Determination, and Credit Report Permissible Purposes.