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

I HAVE SENT NUMEROUS LETTERS TO THE CREDIT REPORTING AGENCIES ASKING THEM TO REMOVE INQUIRIES THAT DO NOT BELONG TO ME AS WELL AS ACCOUNTS THAT DO NOT BELONG TO ME.

I AM A VICITIM OF IDENTITY THEFT AND I HAVE FILED TWO REPORTS WITH THE FTC AND THE CREDIT AGENCIES ARE NOT RESPONDING NOR REMOVING THE ITEMS FROM MY REPORT AS REQUESTED

I HAVE ALSO ASKED THE AGENCIES TO VALIDATE CERTAIN ACCOUNTS, WHICH THEY HAVE FAILED TO DO SO, I HAVE SENT NOT ONLY A 30 DAYS NOTICE BUT  60 DAY NOTICE OF INTENT TO FILE A COMPLAINT IF NON COMPLIANT

I HAVE SENT LETTERS TO ALL THREE CREDIT BERUEAS ON THE FOLLOWING DATESXX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX
FEDERAL LAW REQUIRES THE AGENCIES TO RESPOND WITHIN 30 DAYS, AND THEY HAVE YET TO RESPOND, BECAUSE OF THEIR FAILURE AND ACCORDING TO THE FEDERAL REGULATIONS THE CREDDIT REPORTING AEGENCIES SHALL BE INVESTIGATED BY THE Federal Trade Commission (see 15 USC 41, et seq.).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the accuracy and legitimacy of three bankruptcies on my consumer credit report. This information is repeatedly being verified by a company unknown to me named LexisNexis. To no prevail is these entries being verified by the so called original source which is the U.S. Bankruptcy Court. O
Product: Debt collection

Hi, I have been working to fix my credit for the past year running my reports with all three bureaus weekly. On XX/XX/XXXX an account appeared from a Midland credit management company. I contact them to inquire about this and was initially told they bought this account XX/XX/XXXX and that its an account opened in XXXX and they report to credit agencies within 90 days. I then asked them why they waited 13 months to report this and they would not provide me with an answer. Ive called repeatedly and they will not provide an answer. This is unfair business practices and it also caused me to lose a contract.
Product: Mortgage

I have previously filed a compliant against SLS for this same thing. SLS refuses to properly apply my principal reduction payments. This causes me to have to repeatedly call and write them to correct their error. They have stated multiple times that they have corrected this this but it continues to happen. This results in SLS charging me extra interest - beyond what is defined/allowed in my Mortgage
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm victim of Identity Theft, I have been filed all necessary documents in order to remove account that listed on my credit history and only with Experian, I have Affidavit of Identity Theft, FTC Report, Police report - case number is XXXX with Sheriff 's name - Deesd ID XXXX Experian has failed to answer to my dispute that I submitted on XX/XX/2021 via certify mail FIRST class. I have attached a copy of all documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  account # XXXX is violating my rights. 

15 U.S.C 1681 Section 602 A. states that I have a right to privacy.

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

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a compliant against XXXX, TRANSUNION, and XXXX about the account by XXXX on my consumer report on XX/XX/2023 and I received a computer generated response on XX/XX/2023 that did not resolve my issue of XXXX using my credit report for reasons that do not abide by federal law. I have the right to privacy and 100 % accuracy. On XX/XX/2023 XXXX, Transunion, and XXXX reported inaccurate information regarding XXXX on my credit report, I have received several responses through CFPB from all THREE credit bureaus that they have confirmed and verified the information with the account mentioned is correct when that is impossible, I will be submitting proof that the credit bureaus did not update the inaccurate information and in-fact reported MORE inaccurate information which I have highlighted in the document I will attach with the complaint. On XX/XX/2023 I highlighted all inaccurate information regarding the account and when I received my new report on XX/XX/2023 it was still inaccurate information reported on my credit report by the three credit bureaus. I will no longer accept the computer generated responses that doesnt rectify my issue I am demanding the credit bureaus mentioned in this complaint to remove the account mentioned in this complaint from my credit report IMMEDIATELY due to failing to update inaccurate information. 
I am a natural person, I am a living human being, I have rights under 15 USC 1681. XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 
Accounts : XXXX account XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX Balance : {$9100.00} XXXXXXXX XXXX XXXX XXXXXX/XX/2022 XXXXXXXX XXXX XXXX Balance : {$9100.00} XXXX XXXX XXXX Balance : {$9100.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$22000.00}
Product: Credit reporting or other personal consumer reports

I am disputing a collection account reported by XXXX XXXX XXXX XXXX concerning an alleged debt tied to an apartment lease at XXXX XXXX XXXX # XXXX, XXXX, TX, which was vacated on lease termination in XX/XX/year>. The account in question was opened on XX/XX/year>, which XXXX XXXX XXXX asserts is still owing. However, no outstanding balance was due at lease termination, and all financial obligations were fully met. 

Additionally, the property management, XXXX  XXXX, failed to address significant maintenance issues despite repeated reports, including a severe cricket infestation, which they neglected to resolve, constituting a breach of the lease terms. Moreover, there was an unauthorized release of my personal information by The XXXX to third parties without my consent, further breaching our agreement. 

Despite providing evidence of these facts and formally requesting XXXX XXXX XXXX XXXX and XXXX  XXXX to cease collection efforts and correct the record, they have continued to pursue this invalid debt and have reported it to credit bureaus, negatively impacting my XXXX XXXX. 

I have taken the following actions : Sent multiple communications to XXXX XXXX XXXX XXXX and XXXX  XXXX, detailing the reasons the debt is disputed and requesting cessation of collection efforts. 
Requested the removal of any negative information related to this disputed debt from my credit reports. 
This unresolved issue has led to unnecessary stress and potential financial harm due to the impact on my credit score. I seek immediate intervention to have this matter corrected and the erroneous entries removed from my credit records.
Product: Checking or savings account

Over draft fees. Debt card not working, some times. Also, there might be problems that I'm not aware off.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2024 my wife XXXX XXXX applied for credit at Rooms to go for an amount of {$3000.00} which she thought she was approved with XXXX. XXXX made her down payment of {$620.00} to Rooms to GO Order # XXXX for the attached XXXX. 
On XXXX XXXX, 2024 I XXXX XXXX applied for credit at Rooms to GO and was approved for Order # XXXX seprate from my wifes Order above. 
The Salesman XXXX XXXX at Rooms to Go in XXXX XXXX without our consent decided to add my wife purchases to my Order # XXXX on my Rooms to GO Credit Card. 

Rooms to Go applied {$5700.00} to my Credit Account without my knowledge or consent. I informed Rooms To GO sales represnetative XXXX and Store manager XXXX of the issue which their store manager decided to apply all charges to my credit card and I was told there was nothing they could do since they had already delivered the furniture. 

Rooms To Go XXXX XXXX XXXX XXXX, NC XXXX XXXX
Product: Student loan

I consolidated my FFEFL loan with NELNET in XXXX in order to take advantage of the new XXXX XXXX repayment plan as advertised, after being advised by NELNET I'd be able to lower my monthly payments and repay or have my loan dismissed sooner. 

Now I may not qualify for XXXX or will I? I have been on the phone for XXXX hour and XXXX minutes without speaking to anyone. This is the 7th time I have called.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report on Transunion, I see they are reporting inaccurate information 's about me on my credit report. There is a collection/charge off report by XXXX XXXX XXXX this alleged account displays inaccuracies all through the 3 credit bureaus. the last activity date on Transunion states XX/XX/2022. on XXXX, the last activity date states XX/XX/2022 and finally, the last activity date on XXXX states XX/XX/2022, these are huge discrepancies. another discrepancies are, the high balance reflecting on Transunion as {$3500.00}, on XXXX as {$0.00} and on XXXX as $ XXXX.This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards by the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations.
Product: Credit card or prepaid card

AMEX has changed its handling of " cancelled '' credit cards such that a cancelled card will still work with a merchant if that merchant has the card on file. For example, if you cancel your card your old " cancelled '' card will continue to work on XXXX. AMEX 's online portal does not show whether a transaction is made under the old or new card. Nor does not provide an independent means of placing a freeze on transactions conducted under the old card. There is no easily identifiable option on the website to fully cancel the old card. If you contact customer support they will put in an order request to stop processing purchases made on the cancelled card with merchants who have the card on file ( a universe that likely encompasses most of online retail ). Per Amex Customer support, this can take up to five days to process -- this latter fact was only shared after I noted additional charges that were made on the old card. Those charges were not made by me, but they weren't exactly disputable either : they were likely made by one of my nieces or nephews on my deceased father 's XXXX account -- the sort of transaction that cancelling an old card prevents. During my second attempt to cancel my old " cancelled '' card, Amex stated reason for this continued, unwanted charging of my credit account against my wishes was " convenience. '' However, they did not specify whether this was convenience for me or convenience for the numerous merchants who rely on subscription fees for their operating model. Indeed, I am reminded of a merger agreement I was saw in which there was considerable concern that the party being acquired might have to disclose the fact to its customers that they were being bought -- since more than 90 percent of its revenues were derived from customers who had not used those services in over a year and had likely forgotten they were auto paying. This was well before the ubiquitous rise of XXXX and other subscription fee models. My opinion is that this is likely a structural fraud designed to benefit merchants at the expense of consumers who would naturally expect that subscription services on cancelled cards would no longer process. Worse still, is the absence of readily identifiable means of seeing that charges continue to process from cancelled cards and the relative difficulty ( I have contacted Amex 4 times prior to filing this complaint, including requesting to be contacted by a member of their XXXX department ). Indeed, I am not entirely certain if the requests I have made would result in " all '' charges being declined under my old card. If it this difficult for a XXXX XXXX XXXX to cancel a cancelled credit card there can be no reasonable expectation for the average consumer.
Product: Debt collection

I was sent an email from XXXX XXXX XXXX for a settlement in the amount of {$1600.00}. I received an email from XXXX XXXX saying they are no longer responsible for the debt and it is back in lvnv fundings hands. I called and they told me this is incorrect. Resurgent also has my debt was is on my credit this is inaccurate reporting and incorrect
Product: Credit reporting or other personal consumer reports

I have identified accounts on my report that are a result of identity theft. I have not given XXXX, Transunion, or XXXX written instructions ( 15 USC 1681b a2 ) or approval to disclose ( 15 USC 6802b ) my non-public personal information. Nor have I received notice of disclosure, or option to opt out ( 15 USC 6802b ), prior to the disclosing of my personal information. The following accounts are being reported fraudulently, against my written instructions and against my right to opt out, resulting in identity theft ( 18 USC 1028a ). These 6 ( six ) accounts must be blocked within 4 days pursuant 15 USC 1681c-2 : Acct. XXXXXXXX XXXX XXXX  Acct #. XXXX Acct. XXXX XXXX Acct #. XXXX Acct. XXXX XXXX XXXX # XXXX Acct. XXXX XXXXXXXX XXXX Acct #. XXXX Acct. XXXX Acct XXXX. XXXX Acct. XXXX XXXX XXXX XXXX Acct. # XXXX I have attempted to rectify this matter, these agencies still fail to comply with 15 USC 1681 and all aforementioned codes/laws.
Product: Credit reporting or other personal consumer reports

I am writing this complaint to report a case of identity theft involving fraudulent addresses and accounts. I believe that my personal information has been compromised, and unauthorized accounts have been opened in my name. Below are the details of the fraudulent addresses and accounts : Fraudulent Addresses : XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX  XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX Fraudulent Accounts : XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX  - Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX I request your assistance in investigating this matter and taking appropriate legal action against the individuals responsible for this identity theft. I have taken the necessary steps to secure my accounts and personal information. Please let me know if there are any additional details or documents you require from my end. I've attached a copy of my ID, Utility Bill and my Social Security Card. 

Thank you for your prompt attention to this matter. I look forward to cooperating with your investigation. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX : {$790.00} ; XXXXXXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance : {$6700.00} ; XXXX XXXX XXXX XXXX : {$28000.00} ; XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I signed up for a debt consolidation program with alleviate financial for XXXX of debt at XXXX over XXXX months. I wasnt impressed pretty quickly when they settled a couple of my debts for more than the amount of the collection letters sent to my house. They said it would all even out at the end. It didnt!! XXXX would not negotiate what is my biggest collection at around XXXX. They took me to court which they said could happen but I would be represented by a qualified attorney. That turned out to be quite the joke. They gave me an attorney from out of state who was one of the most arrogant people I have ever spoken to. I gave him all of my financial information. Side note, my wife of over XXXX years passed suddenly in XX/XX/XXXX, I was out of work on XXXX due to grieving and this man was I think, the most ignorant person Ive ever spoken to. First court date doesnt show so I tried to find out as much about him as possible. I learned he did not have very positive reviews or even a decent amount of positive negotiations. So at that point I took that off the program. They also failed to negotiate with XXXX other creditors. So they negotiated XXXX out of XXXX and the total of those XXXX alone is more than XXXX. They are still taking the monthly for reasons I dont understand. The ones they settled should be long paid if it was only XXXX in debt negotiations. The transparency of the documents I have access to show ridiculous fees for useless services but not much else. I could have negotiated less and have been out of debt with a decent credit score by now I will give all access to my account if someone will put this scam service down. I have six kids and this monthly payment is not and has not had even the slightest positive impact on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy XXXX years ago Ive been making a car payment to XXXX XXXX for XXXX XXXX years. I reaffirmed my debt with XXXX XXXX XXXX years ago. when a company called XXXX took over payments for XXXX XXXXThey took it upon themselves to put that my car was discharged in my bankruptcy which basically means they rebuild it and my credit score think it took me two months and two disputes to fix this yes its off my credit report but my Phico score hasnt changed which has hindered me and getting the interest rate I should get one buying a new vehicle now that my old car is paid off when I try to call Experian all you get is not automated to option service you can never speak to anybody about any of this
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXXBalance : {$0.00} ; XXXX  XXXXXXXXBalance : {$1100.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00}