23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

2016 my Comcast account ( now known as XXXX ) was closed. The account balance was subject to a return of equipment ( a remote control device ). They billed {$800.00} for the equipment. I had a conversation with a representative about how to resolve this matter. The company 's required me to either return the devices or pay the the fee.after two years I have retrieved the device. I have tried to contact the department that could provide closure to this matter and remove the erroneous item on my credit report, to no avail. I also sent them a verification of the account reported on my credit history, With a 45 day response, to no avail. I reported this information to the credit bureaus but they did not properly process my findings. 
I have the device in question and would like the negative item removed from my credit history.. 


The account number associated with this matter is XXXX XXXX XXXX This account was closed in 2016. By my account this is 7 years ago.. it should be removed From all three credit bureaus agencies..
Product: Credit reporting

I disputed a public record of a bankruptcy with Equifax. They are refusing toremove this from my credit report. They claim they have used a XXXX party toverify this which is illegal under California state law. They must verify itthemselves or remove it. The removed it from my husbands credit file butrefuse to remove it from mine.
Product: Credit reporting or other personal consumer reports

Experian. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This Debt is considered a charger off However, This is actually considered income Because I should have received a 1099c in order to account for this as income.This is not a charge off .I am requesting that this is removed Because this is considered income and income should not be reporting on your credit report..
Product: Credit card or prepaid card

I reported fraud to synchrony bank ( XXXX master card ) for the amount of XXXX back in XX/XX/XXXX, they denied the claim because one of the agent misunderstood me saying i have the card with me and the chipped was used, i immediately called back and told them about the situation, they re-opened the claim on XX/XX/XXXX and I have provided back to them a form stating that I do not have my card with me, only used it once way back before and lost the card in around XXXX. I don't really use this card so didnt relaized it was lost, but reported it right after. case was closed and denied again, I tried calling them back and talking to them because I was supposed to have XXXX liability for something I did not use but bank was stating that that only works if they think the transaction is legitimately fraud. I got turned down and they said there is nothing they can do for something i did not spend.
Product: Credit reporting or other personal consumer reports

This CFPB complaint is being filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting that XXXX credit XXXX agency block information appearing on my consumer credit report as it is the result of identity theft and fraud. I request this be done within 4 business days of receiving this complaint. The fraudulent and inaccurate information includes the following accounts : 1. A credit card account was opened with XXXX XXXX XXXX on XX/XX/year>, under account number XXXX. XXXX. An account was opened at XXXX XXXX XXXX on XX/XX/year>, under account number XXXX. These fraudulent accounts have led to multiple unauthorized hard inquiries and collections appearing on my consumer FICO credit report. I have attached a copy of my FICO credit report, which clearly shows the fraudulent items in question. I do not recognize any of these accounts, or collections, as being initiated by me. All of the aforementioned accounts, collections, and hard inquiries are a direct result of identity theft and fraud. In support of my claim, I have also attached a copy of the FTC Identity Theft Criminal Complaint ( Case Number : XXXX ) as proof from the U.S. Federal Trade Commission that these accounts, collections, and inquiries are indeed the result of identity theft and fraud.
Product: Credit card

On XX/XX/ I purchased a home scenting system as well as two bottles of scenting liquid from a company called XXXX XXXX for the amount of {$480.00}. I received the items on XX/XX/ XXXX I opened the items out the box and tried to use the scent diffuser and noticed it was malfunctioning. It would spew liquid everywhere and would not stay turned on. I also noticed that one of the bottles of liquid scent had opened and leaked out of the other bottle. I immediately contacted the company XXXX XXXX on XX/XX/ and requested a return shipping label. After several days they reviewed my request and reasons and issued me a return shipping label on XX/XX/XXXX XXXX  and I mailed the item out that day. On XX/XX/ I sent XXXX XXXX and email as I had not received my refund. They informed me they had received the return on XX/XX/ and that I should receive my refund in 10-14 days. They also stated that if I had not received the refund by XX/XX/ that I was to contact them again. On XX/XX/ I sent them an email as I had not received my refund. They responded to me on XX/XX/ and they apologized and stated that they " had coordinated my concern with the appropriate team and they would follow up in 24-48 hours ''. I had still not received my refund on XX/XX/ so I sent them another email. They did not respond until XX/XX/ and they said that since I had submitted a dispute I had to wait 75 days for an answer. I filed a dispute with my credit card Discover Bank and they gave me a provisional credit on XX/XX/. They sent me an initial letter saying they would review and would update me accordingly. They never responded to me and reversed the charge bank in XX/XX/. They never sent me a reason or rational as to why my credit was reversed and not made permanent. I supplied them with all of the detailed information as well as copies of the email correspondence I had with XXXX XXXX Then Discover Bank sent me a letter telling me they " would continue to investigate my dispute ''. This is unacceptable and they have failed to due their due diligence. This is unfair, deceptive and abusive. I purchased a defective product and returned the product as requested. I went over and above to supply Discover Bank with enough information to make a decision. They have failed to openly communicate with me or tell me why they reversed my provisional credit.
Product: Mortgage

I asked a loans officer who had previously help me obtain a previous mortgage what thee estimated cost would be for a new mortgage for a new home I wanted to look. I wanted to get ahead of the curve by knowing what my estimated closing cost were and the rate based on current 30 year fixed rates. However, the loan officer took it upon herself to pull my previous file and run my credit with out my permission. It came as a shock when she sent me the credit report. The officers name is XXXX XXXX from XXXX XXXX XXXX. NMLS # XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  Dispute Department XXXX XXXX XXXXXXXX XXXX, Texas XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX I recently submitted a request for investigation of an Acct Number : XXXXXXXX XXXX XXXXXXXX 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 XXXXXXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. I look forward to an expedite resolution of this matter Thank you. XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

XXXX accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. these accounts 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 15 U.S.C 1681 section 602 A. States i have the right to privacy. 15 U.S.C 1681 section 604 A section2 : It also states that a consumer reporting agency can not furnish 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 iteams of information Any other adverse item of information, other then records of convictions of crime which antedates the report by more then seven years. 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shaqll not furnish any information relating to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate. 15 U.S.C 1681i-5- reinvestigate
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602A : States I have the right to privacy.

15 U.S.C. 1681 Section 604A, Section 2 : This section further states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

I apply for Mortgage refinance with Amerisave mortgage corp. on XXXX after they run my credit one of there customer service representative XXXX XXXX told me I am approved and need to pay {$500.00} for processing and the transaction was going through but all of the sudden they said my application is declined and they are not refund my application fee of {$500.00} I need my application fee refunded as soon as possible both me and my wife has a credit score of more than 800 and I believe we are discriminating against because we are minority or XXXXXXXX Americans  and specially the way there loan originator XXXX XXXX treat us is unbelievable
Product: Credit card or prepaid card

A JC Penny credit card was opened in my name without my notice on XX/XX/XXXX. For some reason, payments were not made in XXXX and XXXX of XXXX. When the issue was brought to my attention, I quickly made payment and requested that the account be closed with immediate effect. Unfortunately, the late payment was report to the credit bureau on XX/XX/XXXX even though I was clear that I did not open the account when I had made the payment. 

I will appreciate it if this mistake can be corrected and deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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, CA XXXX XXXX XXXX XXXX Balance : XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$710.00} ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX.
Product: Student loan

I 'm three days away from defaulting on my loan. For the past 6 months I 've tried to work with my provider to keep up payments and they have n't been helpful. I received advice from a service rep to allow my account to go into collections after XXXX months to receive more options for help with my loans. This has not been my experience. No help or alternatives were given.
Product: Credit reporting or other personal consumer reports

Im reaching out to dispute errors on my TransUnion credit report that need to be fixed. The report shows an incorrect name, " XXXX XXXX XXXX, '' which is incomplete. My correct name is " XXXX XXXX XXXX XXXX XXXX. '' The report also lists an incorrect address, " XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. '' The correct address is " XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. '' Lastly, the report lists the wrong employer as " XXXX '' and " XXXX. '' My correct employer is " XXXX XXXX XXXXXXXX. '' As mentioned in 15 USC 1681e ( b ), the mistakes on my report violate the requirement to maintain the maximum possible accuracy of information. These inaccuracies impact the integrity of my credit file and go against the law 's rules for accurate reporting. I request that my personal information be updated and corrected accordingly. Failure to do so could result in liability under 15 USC 1681n and 1681o, with possible damages of up to {$1000.00} for each mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card or prepaid card

I applied for a Capital One card, and got approved but they never sent the card to my house. Apparently they sent the card to someone because they claim I owe $XXXX.How I could owe $XXXX when I never received the card in the mail.
Product: Debt or credit management

I initiated contact with XXXX XXXX in XXXX XXXX The individual in question operates as a provider of credit repair services and has amassed a substantial following on the social media platform XXXX. The XXXX account associated with the individual in question is identified as " Keestosuccess. '' Initially, I enrolled in her credit repair program, which required an initial payment of {$190.00}. The voidedcontract in question has been breached and paid in full. I reached out to both the individual in question and her assistant, XXXX XXXX, in order to notify them that despite utilizing the aforementioned service for a period of 30-60 days, my credit score remained unchanged. She strongly advocated for my purchase of a credit monitoring service in addition to her bi-weekly membership, in order to stay updated on my credit score. I repeatedly communicated to her that I possess accounts with all three prominent credit bureaus, therefore rendering the acquisition of an additional monitoring service less than optimal. I choose to enroll in the supplementary {$40.00} service for the initial three-month period. However, after completing the 90-day duration, I decided to discontinue the membership and proceeded to communicate my request for a refund to both individuals involved, citing the absence of any services delivered. 
Subsequently, it came to my attention that a colleague named XXXX XXXX encountered a similar occurrence, wherein she fell victim to a fraudulent scheme resulting in a loss of {$1500.00}, exclusive of any incurred late penalties. 
I have been subjected to a block and ban by XXXX XXXX, who has also failed to respond to any of my attempts to communicate via phone. I have filed a police report in light of my intention to initiate legal proceedings against both the individual in question and her mother, alleging fraudulent activities resulting in the deprivation of funds over {$1000.00}. This unfortunate incident has had significant adverse consequences for me.
Product: Debt collection

On XXXX XXXX, 2015, we tendered proper notice to the landlord, XXXX, to make remedy to those issues materially affecting our health and safety, as well as denying us quiet, peaceful enjoyment of the premises. XXXX, managed by XXXX XXXX, XXXX, refused our repeated requests to make remedy. On XXXX XXXX, 2015, we exercised our legal right to terminate the rental agreement, without penalty, in accordance with XXXX XXXX. Pursuant to XXXX XXXX ( d ), the XXXX at XXXX XXXX were required to refund our security deposit but failed to do so. Thus, not only did we legally terminate the contract without penalty, and delivering a thoroughly clean, scrubbed and sanitized unit for immediate occupancy, but XXXX at XXXX XXXX is in debt to us for failing to refund our deposits. We do not owe XXXX ANY monies, as rent was paid current through our tenancy. XXXX accepted return of possession of the unit on XXXX XXXX, 2015.
Product: Student loan

I have a small private student loan with American Education Services with XXXX. 
My loan is in good standing and I make regular payments well above the minimum and have an auto-debit feature for increased payments. 
On XXXX XXXX, 2016 I entered XXXX. 
On XXXX XXXX, 2016, AES processed an automatic enrollment in a deferment without my knowledge and against my best interest since I was at least a XXXX student. 
I immediately protested on the very next day and asked for the deferment to be removed since I intended to make payments regardless of my status as a student as is my right. 
An agent of AES contacted me via email and claimed that it was in my best interest to have the loan in deferment, since the loan was subsidized and I would not pay interest. 
I responded immediately via email that the loan was not subsidized and a deferment was not in my best interest because not only would the interest accrue but I would lose the rate reductions in place on my automatic payments and the loan interest rate itself would rise because they charged more during deferment periods than payment periods. 
The agent claimed that was not true but they could process a removal of the deferment. 
I responded via email to reverse the deferment, it was not in my best interest. 
Another agent responded via email that I was in fact right, and they could reverse the deferment and put my loan status and payments back as they were, but they would not accept any more email communication and they would not correct the loan status until I write them another communication via post. 
The loan is small, the rate is small, and the interest charged in violation is small, so It would not be in my best interest to escalate to the point of damages, but these agents have fiduciary responsibilities to service accounts in the person 's best interest and can not change the considerations to the agreement to best fit their bottom line especially when a violation like this is immediately caught, protested, and a request to return to a payment status is made.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf.

These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you.

Inquiry XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX XXXX  Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, TX, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, TX, XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged 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 PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION XXXX OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I check my credit report those account violate my right I never deal or sign any document With those company In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, those accounts for transunion XXXX and XXXX. Account that need to be deleted and investigate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I do not have any account or business with those information or