23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I 've initiated several disputes with Experian over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlined and that your site has told me to do. Still having issues with some accounts because I guess they want to collect more money from these creditors because they get paid to report negative. It 's hurting my family. Below are some documents I sent to them on several occasions. It seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer it 's there. XXXX XXXX & unknown medical collections are one in the same, but neither one can help. So how is it the Bureau claims to have all the info, but they ca n't find me in their system. XXXX keeps reporting every month even after receiving my documents months ago, and the debt supposedly was a vacuum cleaner?? I would never get a vacuum for this much and would n't buy it from a place called XXXX. What I 'm uploading now is just 1 of many. I am hoping to get some resolution to this and focus on my children and work. Hope this finds you well Consumer financial protection bureau. Thank you for hearing me today.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX OF XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX  XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX OF XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX OF XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Checking or savings account

I got scamed twice the first cost me {$720.00} although the metchant said that they will return my money then after that cannit be contacted no more so i file a dispute bank is not helping me at all they said case is close because i authorized it, of course i did but then no car transmission was not delivered, the second one also a transmission order for the same car the form of payment is XXXX and wire transfer i tried disputing also but then they close the case again like the first one, their reason is the money already been delivered but they should investigate where the money ends to the receiving banks, it seems like they are helping scammers to collect money it doesnt help me at all. Please see attach supporting receipts. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A LOAN WITH NATIONSTAR/MR COOPER . AND I AM HAPPY THAT THIS BANK GEVE A LOAN. I AM VERY RESPONSIBLE PERSON AND I AM ALWAYS ON TIME WITH MY PAYMENTS. BUT UNFORTUNATELY XXXX  OF XXXX MY ENTIRE FAMILY GOT XXXX. OUR FAMILY SITUATION WAS REALLY BAD, I WAS ACTUALLY XXXX, DOCTORS HAD NO CHOICE BUT XXXX XXXX XXXX XXXX, WHICH BASICALLY I WAS XXXX  WITH THIS SAID I FELL BEHIND ON MY MORTGAGE PAYMENT FOR THE MONTH OF XX/XX/2020. I HAVE TRIED TO HAVE THIS LATE/NEGATIVE REPORTING REVERSED BUT THE BANK IS SAYING THEY CANT DO THAT. I AM SURPRISED AS TO WHY THEY CANT DO ONE TIME CUSTOMER SERVICE SPECIALLY WHEN I AM EXPLAINING TO THEM AS TO WHY THIS HAPPENED. I HAVE HAD THE LOAN FOR ALMOST XXXX YEARS AND NEVER HAD ONE LATE PAYMENT ONLY IN THE MONTH OF XXXX OF XXXX  HOW COULD I HAVE MADE A PAYMENT WHEN BASICALLY ON A XXXX XXXX WHICH LUCKLY WAS OVER TURED AND I HAVE RECOVERED EVER SINCE.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX, XXXX and XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : 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 XXXXXXXX XX/XX/XXXX XXXX XXXX -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting

I have been disputing my credit report with Equifax for several years to no avail. I filed a complaint with the XXXX of XXXX ( complaint # XXXX ). Concerning my XXXX complaint, Equifax 's never answered my complaint as to why their company failed to investigate my dispute within the FCRA set 30 day time period. 

XX/XX/XXXX, I sent A Demand for Arbitration letter to Equifax Legal. I frustrated and upset that I was given a reply by Equifax that my identification information did not match their records. Although I have identifying information on file with Equifax, there was no requirement ( legal or otherwise ) to send identification information with the Demand letter. This request for identification letter by Equifax represent a illegal delay tactic by their company in order for them to not follow the law as prescribed by Texas and Federal law. 

Equifax has a history of illegally keeping false and derogatory information on my credit report in violation of the FCRA and Texas Business and Commerce Code, Title 2, Chapter 20. I had disputed in detail false and derogatory information on my credit report. Each time, Equifax very quickly sent the investigation results back to me. I requested a through, complete investigation via letter in accordance with the FCRA.On XX/XX/XXXX, I sent out a reinvestigation dispute for the removal of this to Equifax via certified certificate of mailing, next day, with order tracking. Equifax received my dispute, which is confirmed on XX/XX/XXXX 

On XXXX I received via email that my dispute was received and assigned confirmation number XXXX. I had received " still processing dispute '' notifications concerning confirmation number XXXX from Equifax XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX.On XX/XX/XXXX I received an email from Equifax stating they had completed the credit investigation. Violating the 30 day investigation requirement of the FCRA.I went to Equifax online dispute system to see that the same false and derogatory information still on my Equifax credit report. 

To summarize my complaint : Equifax did not conduct a thorough investigation of my disputes and of FCRA 623 ( a ) ( 8 ) ( D ) letter claims which indicates that once I send a letter to the original creditor concerning a credit file incorrectly placed on my credit report, and do not receive a response, I can go back to the credit reporting agency in order to demand removal on said file in it 's entirely from my credit report. 

Equifax failed to comply with the investigation and reinvestigation requirements in 15 U.S. Code 1681i. Equifax willfully failed to comply with the requirements imposed under the FCRA, 15 USC 1681g. 

Equifax provided my credit file to companies without determining that these companies had a permissible purpose to obtain my credit file pursuant to 15 USC 1681b. Due to Equifax false and derogatory information on my credit report, as well as incomplete investigation of my dispute claims, I have been denied credit, opportunity to receive credit, and damage to my reputation.
Product: Debt collection

This company is trying to collect a debt that is not mine. They are the 3rd collection agency to try to collect this amount. I have been in contact with XXXX XXXX XXXX XXXX and they do not have me on file or owing them any money. I would have paid my debt if I owed them.
Product: Debt collection

On XX/XX/2020 I received a letter from the department of revenue child support program XXXX XXXX XXXX me XXXX XXXX, fl XXXX claiming that I owe them {$25000.00} since receiving that letter I have tried contacting the agency to ask for proof of this debt and what agreement did myself and then entered in or if there was a promise to pay or any paperwork that could validate their claim but they ignore me time and time again.on XX/XX/2020 I traveled to XXXX where I stayed for 4 months upon my return I found out that this agency had taking me to court and now I am order to pay them {$790.00} and {$150.00} again I have yet to see anything from this company about the contract that I signed with them or any promises that I made i believe this all fraud and abuse of the court system since they have the funds to trap me in the courts and I am hepless because I don't have the means to adequate representation. Through this order they stand to garnish my wages and even imprisoned me for lack of payments which again is against my rights. Please help.
Product: Mortgage

On Monday, XXXX XXXX,2015 I received a notice from my mortgage company that monthly payment would increase by XXXX dollars. I contacted SunTrust mortgage company and was informed that the increase was due to my property taxes going up by over XXXX dollars. After learning this, I went in person to XXXX XXXX tax assessors office and the XXXX county tax office. At both locations I was informed that they had not provided SunTrust mortgage company with any tax information. And they did not have any idea where SunTrust mortgage was getting their information. 
My wife and I are senior citizens. A XXXX dollar monthly increase in are mortgage payment would have a very serious impact on our lives because we live on a fixed income.
Product: Debt collection

On XX/XX/XXXX Shellpoint Mortgage Servicing for the first time produce a Note and Security Instrument as evidence for their demand of payments for Loan # XXXX FHA # XXXX Deed of Trust dated XX/XX/XXXX. I never signed, I never agreed, and I never assumed any responsiblites or obligations for the note and mortgage Shellpoint produce on XX/XX/XXXX. Shellpoint see to put obligations on me which I never signed or agreed to. Shellpoint falsely represented to me and cfpb that I signed and assumed the note and security instrument, this is completely false, see attached response from shellpoint. 

Shellpoint demand I paid a bad debt that was created base on fraud, misrepresentations, omissions, and concealment. I filed a police report and Identity Theft Victims Complaint and Affidavit XX/XX/XXXX, see attached. 

I request Shellpoint to closed all accounts they created in my name and remove the bad debt from my name. And issued a letter that I do not have any responsiblites or obligations for the purported note and mortgage debt.There is no outstanding mortgage loan and/or balance for me or my property
Product: Credit card

I purchased a XXXX XXXX bed in XX/XX/XXXX and used my synchrony sleep number credit card. I signed a contract and agreed to XXXX XXXX interest and XXXX months into the contract XX/XX/XXXX, the interest was changed to XXXX XXXX without my knowledge or approval. I have a signed contract with XXXX XXXX that i have emailed to synchrony bank to get my financing back to XXXX XXXX but they have been giving me the run around and saying I didn't meet the requirements at the time of purchase. XXXX XXXX gave me to contract to sign and told me I met the requirements for the financing to be at XXXX XXXX. How can I not meet the requirements when sleep number told me I did and had me sign the contract for the XXXX XXXX financing? XXXX XXXX never called me back to sign a new contract or asked for any further information from me regarding the contract. XXXX XXXX had contacted them in the past and sent my contract over also, that's what they told me when I spoke with XXXX XXXX. I believe synchrony is committing fraud and theft for charging me interest i did not agree to and won't change it back. I have been trying to get this fixed for over a year and synchrony doesn't seem to care that I'm out extra money and have to make the payments or my credit will get messed up if I don't. I have no choice at the moment but to let them commit fraud and steal from me, so I don't mess up my credit.
Product: Credit card or prepaid card

I opened a credit card with capital one that advertised a 0 % apr for a number of months. Every month, I diligently watched my statement, as my intention was to pay off the balance in full when the 0 % rate expired. Imagine my suprise when my bill came due and I notice an interest charge for my outstanding balance. I called capital one to complain and they explained that the promotional rate had expired mid-month, and they refunded half the interest charged.

In my opinion, this is deceptive. Nowhere on my last 'fully 0 % ' APR statement was a notice 'oh by the way, your balance expires mid-month next month, so if you wait for a statement to pay it, we're gon na charge you interest! In fact, no notice about the teaser rate 's expiry was provided at all. 

Apparently Capital One used to provide this type of notice. The person I spoke to even said to me " I don't know why they stopped notifying people on their statements that [ the expiry of their promotion rate ] is  about to happen! '' To me, it's extremely obvious why Capital One stopped notifying its members of the rate expiry : to extract profit. This is an incredibly underhanded practice.
Product: Credit reporting

I am forwarding to Chex Systems the police report. I am disputing XXXX items on my credit report with them. I have submitted a FTC affidavit and they refused to take because of no signature by an officer but I was able to get it notarized and the items I am disputing and should be removed due to Identity theft is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I invested in various Crypto currently coins on Binance.US. Binance.US is alleging there was a " chargeback '' of funds issued by my banking institution XXXX XXXX on XX/XX/21. I have confirmed with XXXX XXXX  the funds were delivered to Binance.US on XX/XX/21. I have sent my signed and stamped bank statement to Binance.US as proof the funds were withdrawn and not returned to my account by XXXXXXXX XXXX. Binance.US has not responded to my support ticket and they are not letting me withdraw funds from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several credit accounts open on my report that I did not authorize including a loan that is now in collections or default. My identity was compromised and I have filed a police report, reached out to the companies and the credit bureaus and still nothing has been done. I am a single parent and these derogatory remarks are keeping me and my daughter from getting a home. These acounts include two 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. There has also been attempts to get new credit and there are hard inquiries on my account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are unknown address on my reports as well as name misspellings that need fixing.
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I contacted community by phone to close out this account and received a pay off amount of XXXX. I paid XXXX that evening. On XX/XX/2021 I contacted commenity by email message center to request a credit refund check because realized there was an overpayment on my credit card. Two payments came out leaving a credit balance of XXXX. On XXXX XXXX, I received a message confirming again my account was closed and a refund issued for a credit balance. I received no other statements or notifications of a balance on my account and assumed the account was XXXX and closed on XX/XX/XXXX. I received a text message from commenity one week ago and I logged in to my account to find a finance charge of XXXX that has blossomed to XXXX with all of the late fees over a period of 3 months. I called commenity immmediately and paid the XXXX by phone. I spoke to several people and both said my balance by phone was XXXX. I paid this amount by phone. Today I logged in again to check to make sure this account is XXXX  and commenity processed a payment of XXXX leaving account credit balance balance of XXXX XXXX I truly believe there is something fraudulent going on with this company. This credit 0f -XXXX could cause the same issue if finance charges and late fees. I believe all of this was purposefully done. This is the second attempt to bring this account to a XXXX balance to close properly.
Product: Credit card

I can not update my account with my new phone number, and Barclay keeps trying to send a code to my old number, which I no longer have access to.
Product: Debt collection

I have been harassed and threatened by Portfolio recovery since aprox. XX/XX/2018 to now. Even after telling them in writing to stop, they continued to call me several times a day. On one occasion, they threatened me with jail and on another occasion, the person on the other end said " I know where you live '' and laughed. They have even called my XXXX year old son. They use multiple telephone numbers and I do not answer my phone anymore nor allow my son to unless we know who it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX : # XXXX, Account name : XXXXXXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX # XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received a letter from STONELEIGH Recovery Associates claiming I have an unpaid debt of {$250.00} at XXXX XXXX Hospital XXXX in XXXX, XXXX. I live in XXXX and have never been to a hospital in XXXX, so this is obviously not mine.
Product: Credit card or prepaid card

I was approved for & received a Capital One mastercard only as a ruse to harass me for a previous bill I never incurred. After I closed this card, XXXX XXXX, the collection agency assigned to that bill called, throwing my personal data in my face that Capital One gave them. This is fraud & data mishandling of the highest order.