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

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately. 
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
Product: Credit reporting or other personal consumer reports

IN XXXX I WAS CONTACTED BY A XXXX CREDIT BUREAU REGARDING A DATA BREACH AND WAS TOLD THAT MY PERSONAL INFORMATION INCLUDING NAME BIRTHDATE AND SOICAL SECURITY WAS COMPRIMISED. A FEW YEARS LATER I WAS RECIEVING EMAILS ON HOW TO PROCEED WITH A SETTLEMENT FROM XXXX REGARDING THE DATA BREACH. AT THE INITIAL TIME THAT I WAS INFORMED OF THE DATA BREACH I CHECKED MY CREDIT REPORTS AND FOUND NO SUSPICIOUS ACTIVITY SO I ASSUMED EVERYTHING WAS FINE. BUT AS OF RECENTLY ( XX/XX/XXXX ) I HAVE COME TO FIND THAT MY INFORMATION HAS BEEN USED TO OBTAINED SEVERAL CREDIT CARDS IN MY NAME BUT WAS NOT MAILED TO MY RESIDENTIAL ADDRESS BUT WAS INSTEAD MAILED TO A DIFFRENT LOCATION. THE CULPRITS THEN MADE PAYMENTS ON THESE CARDS FOR A PERIOD OF TIME TO GAIN MORE CREDIT CARD FROM THESE CREDIT COMPANIES AND THEN MAXED THE CARDS OUT AND EVENTUAL STOPPED PAYING, I HAVE REACHED OUT TO THESE COMPANIES WIH LITTLE TO ANY RESULT BUT A FAMILY MEMBER INFORMED ME I SHOULD GO FILE A POLICE REPORT REGARDING EACH FRAUDULENT ACCOUNT ( WHICH I HAVE NOW DONE ) AND FILE A COMPLAINT AGAISNT THESE COMPANIES XXXX XXXXXXXX ACTT # XXXX -BALANCE {$4800.00} IS A FRAUDULENT ACCOUNT, XXXX XXXX XXXX # XXXX BALANCE {$750.00} IS AFRAUDULENT ACCOUNT, XXXX. XXXX XXXX ACCT # XXXX BLANCE {$180.00} IS A FRAUDULENT ACCOUNT, THESE ACCOUNTS ARE AFFECTING MY ABILITY PURCHASE A HOME AND I NEED HELP.
Product: Credit card

I was charged more than I should have been in XXXX, I paid the account in full and requested that the account be closed, they assured me they would close the account and then I was auto billed in XXXX and a refund issued. Then it happened again in XXXX and a refund was issued and here we are in XXXX and it has happened again. I called then a requested a refund and they said I will be refunded again. 

My problem is my account was paid in full and I have been billed 3 times since I closed the account and should not have to call them each month for something that should have taken place in XXXX and been settled. I am sure I am not the only person XXXX has done this too and they seen to be aware of it and keep doing it. I have been given assurances each time I call that it won't happen again but yet it has. Now they already overbilled me and that is why rather than keep debating the same thing with them again and again, I chose to just pay the amount and close the account but they keep billing me even after I closed the account. 

I fully intend to file complaints with as many agencies as I can to make the proper authorities aware of this mismanagement of not just my account but more than likely others too.
Product: Debt collection

FAIR COLLECTION & XXXX XXXX XXXX XXXXCFPB Complaint XXXX proof of address and proof of bill
Product: Mortgage

I have tried and tried to get my payment history correct with Bank Of America. I made payment arrangements of {$740.00} so far I have made two which equals to {$1400.00}. I just checked my credit report and they are reporting that I am past due for {$1500.00}. this is in correct. Bank of America has not updating my credit and their has n't been a decrease of my balance of the second {$740.00} payment that I have made on XX/XX/2016. This is causing me a great deal of XXXX due to me being a female and a single female on top of that. I have made the arrangements of {$740.00} to catch up on the past due mortgage payments, and they still report I am behind on my Mortgage.
Product: Credit card or prepaid card

I have been using American Express Serve for a while and I have never for ones violated the agreement or policy of the bank. But I tried logging into my American Serve account ( XXXX ) on XXXX XX/XX/2020 and I was prompt with a login error. I called the American Express customer care representative immediately and I was told my account is permanently closed due to the {$1000.00} that got into my account through direct deposit and the money is been returned back to the sender. It was a refund done by American Express to one of my family member and it is now returned back to American Express again just after he signed an agreement to get the money sent into my American Express account. Permanently closing my account because of a direct deposit of {$1000.00} done into account is wickedness, and the customer care claimed my account is permanently closed and nothing can be done about it, whereas the money is also returned back to American Express. This money is not mine, and it is meant to get to the owner. I can't be {$1000.00} indebt in this present time of hardship here in the US, the person in question is unemployed due to a XXXX  XXXX condition, and I'm retired. Please, kindly get the money back so that the owner can kindly have his money. Even though my American Express Serve Account remains locked, I don't care ... just get the money back to me. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I have files numerous disputes and disputes by mail and online disputes about an account by the name of XXXX XXXX XXXX. This account is being reported on two of  my credit bureau reports equifax and XXXX. This account must be deleted as this does not belong to me and they have failed to investigate properly and have not followed protocol. I have also asked them multiple times to investigate and this account always comes back as verified with no information as to how they verified.
Product: Student loan

I qualify for PSLF forgiveness. I have well over 120 qualifying payments and have been a publis school teacher for 20 years. 

I filed for PSLF XX/XX/22. 
My employment has been certified. 

Nelnet has not moved my plans over to XXXX. XXXX has requested the loans five times. 

I have been on the phone with both Nelnet and XXXX numerous times. This process should have only taken 30 days. It's now been over 10 months. 

I want my loans moved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York, XXXX XXXX There are damages on my consumer report and according to 15 U.S.C 1681 this is not acceptable.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I pulled my transunion report and recognized alot of inquiries still reporting on my report that i did not authorize. This inquiries are a violation of my consumer rights and they should be removed. I do not have any accounts with these creditors. 

XXXX  - XX/XX/XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXXXXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies must correct inaccuracies within 30 days. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), highlights the legal obligation to promptly address disputes. These accounts have not been resolved so i am escalating the matter.
Product: Debt collection

This company continues to re-sell their account to collection agencies to damage my credit for services not validated. They have been deleted twice from my credit report and now they are Sending defaming information on old debt that did not belong to me.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IN Florida, XXXX XXXX XXXX, MAKE OATH AND SAY THAT : XXXX. I have never had an account with these companies 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 REMOVE from all credit agencies from reporting. 
2. consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3. This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4. I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are XXXX XXXX XXXX the debt collector 15 U.S.

Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all further efforts pursuing to 15 U.S. Code 1692c ( c ) ( 1 ) 5. I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6. According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7. 15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8. As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9. While pursuing to 1692g ( b ) the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10. 15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information.

Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681. Moving forward I would like you to stop reporting to all credit companies that I owe any amount to your company. Remove all false debts from my reports ASAP. I will also like your company to mail me via postal mail that all the changes have been made or attempted to be made within 10 days of this notice. 

Name XXXX XXXX Address XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX Social XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax must be shut down immediately. This disgusting excuse for a company is ruining the credit of good people. I was recently informed when I applied for a loan that I did not have any " real estate '' accounts on my credit with Equifax. I found this strange since I have a paid off mortgage with XXXX XXXX. I go on XXXX XXXX and pull my report and find that the mortgage is not classified as a real estate mortgage, rather just a regular loan. Of course, it's correct with XXXX. Equifax can't be bothered with correct information or the safety of consumer information. So I call in to Equifax and ask to speak with Consumer Affairs since I have had numerous problems with Equifax previously and this is who they told me to contact going forward. The person who took the call could barely speak or understand English and refused several times to transfer me. I told him that I would file a CFPB complaint stating that he refused to help me and he said that was fine. This is the type of company they are, absolutely no regard for the law. company. They hire people who can't perform even the most basic functions of their jobs, they ruin the credit of good people, and they get away with it.
Product: Debt collection

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 


In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : XXXX ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 
XXXX ) What is your authorization of law for your collection of information? 
XXXX ) What is your authorization of law for your collection of this alleged debt? 
XXXX ) Please evidence your authorization to do business or operate in the state. 
XXXX ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. 

You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX ) in error, and that this matter is permanently closed. 

Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. 

Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking {$5000.00} in damages for the following : XXXX ) Defamation XXXX ) Negligent Enablement of Identity Fraud XXXX ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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: Prepaid card

on XX/XX/year> i received my ss check deposit and was unable to use the card and after well over 2 hours plus hold time I was connected with an agent who asked me for my name social security number and address as well as a phone number I was then informed you card has been locked due to failure to verify and I know for a fact that's not true and so I asked what do I need to do now so I sent them the info they request wich was my driver 's license and my social security card both front and back and I had my son email pictures as instrcuted to the email address they provided they responded with we need more information so I called them back and yet again a 2+ hour hold I was told oh you sent them wrong don'tscan them just send a regular picture and yet again same result they were denied and additional information was requested again so I called again and 2+ hours later another agent tells me oh ill get you my manager so the manager tells me that oh you have to fax them in I'm not faxing that to them I have submitted documents that are more then sufficient and so I want the hold removed from the account and I want the funds direct deposited into my bank account and I want direct express to accept the documents that have been submitted on multiple occasions and I refuse to jump through anymore hoops I have provided all of the info that I have available to me to get my account unlocked
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XXXX, 2018 ) Since then the account has repeatedly been updated as charged off every month. It also has random Data no available and random payment history.This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name - XXXX XXXX Account Number- XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid for repair services from XXXXXXXX XXXX and 4 items were supposed to be DISPUTED from very beginning. I was given information that the collector has 60 days to respond then when I spoke to XXXX was told its 30 days. I stayed with company for more than 60 days with no response from any of these creditors. The accounts are 2 XXXX XXXX XXXX, 1 XXXX XXXX, 1 XXXX XXXX/XXXX XXXX. The 2 XXXX are a hospital and I've always had covered by access and should have never been billed. The other two were secured credit cards paid in full already with the deposit. I called and canceled the repair service because all the items disputed and recieved no response were not removed. I then called the creditors and they just reopened the accounts. I had to dispute directly with the debt collectors myself when that's the job of the repair unless they did not receive a response then they wouldn't need to. The debt collectors disagreed the reasons to take it off so the accounts stayed. The 4 are still  showing up and I need them removed to have nothing negative on my credit.
Product: Credit card

I made a reservation thru my capital one travel card, which uses capital one travel that is a third party, although this was not clear to the consumer. I booked a hotel to travel for a concert. The concert was cancelled the night before. I immediately tried to cancel this charge thru capital one travel, their site said contact the merchant. I then called the hotel directly, I was told they would not charge me and the reservation was canceled at no charge to me. I never received an email and I have called the hotel and the credit card company multiple times for several hours. The hotel says it was their error and they are happy to make it right but per their policy the " third party company '' that is capital one has to contact them. I have provided a direct number to capital one on multiple occasions, they will not use the number provided and claim they can not reach XXXX. The dispute department will also not file a dispute and the online dispute claim will not allow me to process a dispute, it freezes each time, I have tried multiple times and never had this issues before. I have spent over 3 hours on the phone between the two agencies with no resolution. This feels fraudulent and honestly predatory at this point. 

Thank you for your time and assistance. Please let me know any documentation that may be needed from me. 

XXXX XXXX XXXX XXXX XXXX