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

I disputed a bankruptcy for accuracy and the first letter I received back stated that they had confirmed with a third party  XXXX   XXXX . I asked for a signed document and also stated specifically that I did not authorize  XXXX  reporting. My   XXXX   XXXX    report has a security freeze and could not possibly have been obtained. I sent a second letter to all  XXXX   CB 's  requesting once again that they verify the accuracy of the information and specifically again asked for a signed document stating that the account was in fact mine. The second letters I received expressly stated that they verified with the credit grantor and that they verified its accuracy which in this case would be the courts. I have a letter from the  Court statin g that they do not verif y ANY  public records to the credit bureau. So this ma kes 2 letters back with 2 d ifferent stories about how they allegedly verified this information of which both are inaccurate. On   XX/XX/XXXX  , I called the   XXXX   credit bureau and spoke with  XXXX  from the " all-star '' team who refused to tell me who verified my information. I have been lied to and deceived now 3 times by this agency and the others and I am thoroughly disgusted with the manner in which they are neglecting the care of my credit file and mismanaging my information in a negligent manner. This is  MY credit  file and I have a right to know what is going on with the dispute of the information and it should be absolutely transparent to me the process they are taking and the information obtained. Please help me get this information removed as they have not done what was asked in the prescribed time allotted and ignored my request to investigate correctly. Had they done the job right the first time I would n't have had to request this a  3rd tim e. I will also be sending copies of this to the BBB and the Attorney General for review.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Navy FCU, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit plan as late for any purpose.

Dates : XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've mailed multiple letters out demanding the inaccurate information on my credit report be fixed. XXXX  has negated to acknowledge I am submitting these complaints. I have supplied appropriate proof of identity to show it is me ( XXXX XXXX ) submitting these complaints. XXXX  's automated message is a disgrace and they are not taking the time to make sure the consumer complaint is being handled the right way. Equifax and XXXX  have failed to produce results from their investigation. The items mentioned in the letters attached need to be deleted and I need to be provided the updated credit report showing they are removed.
Product: Credit reporting or other personal consumer reports

XXXX : XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Account Information ( Account Number : XXXX ) Dear XXXX I am writing to formally dispute inaccurate information regarding an account reported by Jefferson Capital Systems, with account number XXXX, which is currently appearing on my credit report. The information being reported is incorrect, and I am requesting an immediate investigation and removal of this account from my credit file. 

Disputed Account Information : Creditor Name : Jefferson Capital Systems Account Number : XXXX Issue : Inaccurate information ( please specify inaccuracies here if you know specifics, e.g., incorrect balance, misreported payment status, unfamiliar account, etc. ) This inaccurate account is negatively impacting my credit score and does not reflect my true credit history. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a complete and accurate credit report, and I am requesting that you : XXXX. Immediately investigate this account for inaccuracies and provide all documentation verifying the legitimacy of this debt as it pertains to me. 
XXXX. Remove this account from my credit report if it can not be verified as accurate within the allowable timeframe. 
XXXX. Confirm in writing the outcome of your investigation and provide me with a new copy of my credit report that reflects these changes. 

If Jefferson Capital Systems can not provide proper verification of this account, I respectfully request that this item be removed from my report. I also request that the credit bureau update me within 30 days of receipt of this letter. 

Thank you for your prompt attention to this matter. 

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

Approximately  XXXX / XXXX /   17  I sent a certified letter as well as a photo copy of a returned mail I received and asked Experian to remove the creditor due to inaccurate information of wrong address being reported. They have failed to comply.
Product: Checking or savings account

The problem actually started XX/XX/ when I notified the bank ( Bank of America ) that my account was hacked into for two sums of monies ; one for {$4000.00} and the other for {$2000.00}. Since that time I have had numerous fraudulent charges against not only my checking account, my bank debit card, but two other charge cards. I have submitted so many claims to the Digital Fraud Department, the Online Fraud Department and now the Risk Closure Department has frozen all my bank accounts. This is now in the second month of being a " credit '' only acount with NO access to any of my funds. I have direct deposit for both income deposits and most of my monthly bills are setup on bank draft/or autopay actions by the bank. Now, with the accounts frozen, all my bills ' my mortgage, auto insurance, life insurance, two loans among others that are behind due to the bank not honoring my bank draft payments also causing financial distress and unnecessary fees being charged. I can not even buy groceries, my medicine or dog food. The bank keeps changing the reason for the freeze and possible closure. I was shown one check that was deposited into my account and then charged back because of suspicious activity. I have never heard of the person or organization the check was from. The Fraud department has mentioned other checks that were deposited and then withdrawn but has not shown any type of proof about the deposits. I was told that depending on the outcome of the investigations into my accounts, I may never by allowed to have another checking or savings accounts at a bank again. These insinuations and insults have been going on for two months or more. I can not even login to my bank accounts to keep an eye on them. While I was able to get into my accounts, I did some research and found out some info that the bank seems not interested in. Can you help me please? 

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

In its complaint, the FTC alleges that Equifax failed to secure the massive amount of personal information stored on its network, leading to a breach that exposed millions of names and dates of birth, Social Security numbers, physical addresses, and other personal information that could lead to identity theft and fraud ... XX/XX/XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three tax liens listed on each of my credit reports, dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I do n't dispute that they are mine. However, they are all paid/released, and marked as such in their status. Per the credit bureau guidelines, as they are paid/released, at a minimum the lien from XX/XX/XXXXshould be taken off my reports, if not all of them. But they still remain on my reports. <P/>I 've tried to dispute them, but as they were valid liens, the dispute process results in the information being confirmed. It 's impossible to point out to the bureaus that a mistake like this exists. I 've bought $ 100+ of their products to do so, and have gotten no where in actually contacting a human to fix this error. <P/>Please assist, thank you. I can share a screen shot from a XXXX report that shows this information. That was another {$60.00} purchase which still did not give me direct access to a human to correct this error.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I have noticed hard inquiries I do not recognize. I have contacted all 3 CRAs, and they refuse to dispute or investigate the inquiries. Attached is and FTC report indicating all of the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile.

15 USC 1681 ( c ) Furnishing reports in connection with credit or insurance transcations that are not initiated by consumer ( 3 ) Information regarding inquiries. Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I took out a lean on a XXXX XXXX XXXX ( I think in XXXX ) with XXXX XXXX in the amount of XXXX, XXXX dollars. They have passed on collection of the loan to several other companies since then. Each time the debt passed I requested debt validation but just got half answers and the run around. Recently last year ( in XX/XX/XXXX ) it passed to Real Time Resolutions whereas I immediately requested debt validation because this debt has gone on forever and I am questioning how it could still have such a high balance rather than having possibly been paid off years ago. On XX/XX/XXXX I wrote to Real Time Resolutions and requested debt validation. Exhibit # 1 ( I will upload to you ). I received a response from them on XX/XX/XXXX that says they are, " currently researching your account ''. Then approx. one month later I received another ( undated letter ) that stated, that they have requested information to adequately respond to my inquiry which they have not received - Exhibit # 2. To date I have not received validation of this debt and feel it was likely paid off years ago and that I am owed back funds ( plus interest ) due to over payments. Recently, I received a letter from Real Time resolutions trying to bill me for a late fee on whereas they had received the monthly payment on time ( and within the grace period ) - yet they continue to bill me for the amount of XXXX cents even though they told me over the phone the late fee bill was a mistake. Please see - Exhibits. ( additional supporting documentation ).
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 recording to the fair credit reporting act, When ever a consumer reporting agency prepares a consumer report it shall fallow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report related according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681i They are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general if, 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 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 ahs 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: Credit card or prepaid card

At the presentation of the Loan Agreement  for financing  roofing work with Lowe's Advantage Loan the Salesman XXXX XXXX showed me in paper my monthly payment. The monthly payment showed $XXXX per month. That was in XX/XX/XXXX. Later in XX/XX/XXXX, I get an invoice for monthly payment of $XXXX. I immediately contacted XXXX XXXX and asked why such huge increase. He called be back and said " Next month and going forward your monthly payment will be restored to $XXXX per month and you will get credit for the excess payment".  Well since then, no adjustment had been paid despite my communication with XXXX and Synchrony Bank which actually financed the Loan.  I want Synchrony Bank/Lowes to roll back to the initial payment arrangement Presented by Salesman XXXX XXXX.  I am sure these companies have misrepresented and cheated several consumers by presenting False documents at Presentation and Later changed the interest rate to Rip Off Consumer s.  I talked and text XXXX several times with no response. I also e-mailed to Synchrony Bank with no response.My second complaint is; The Gutter and Downspout fell during the Storm. I contacted Lowes and XXXX to fix the fallen Down Spout.  No response neither one.  I had to pay a Vendor to fix the issue.I request CFPB to restore the monthly payment to $XXXX per month and issue me credit for the over payment of $XXXX per month since XX/XX/XXXX. I will also file a Civil Suit with The XXXX XXXX County Court at XXXX XXXX , MD.Several Consumers have been coned / lied/ cheated by Lowe's and  Synchrony Bank.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX- {$2800.00}. Someone had used my information to apply for an apartment I believe a CPN. I went up there personally to resolve it but it is a major language barrier. 
XXXX XXXX ( insure of amount ) this is also a fraudulent account I did not give them permission to take a loan out. 
XXXX XXXX XXXX- {$720.00} fraudulent account not given my permission. Company has not followed up with any requested account information. 
National Credit Adjusters- Fraudulent account not given my permission. Company has not followed up with any requested for validation of account details. 
XXXX Department of education XXXX Balance was paid off in XXXX by me and my dad I need this take off my credit report. 
XXXX XXXX ( Unsure of amount ) could not get in contact cant not get verification of account details XXXX XXXX XXXX XXXX unsure of amount ) fraudulent account cant get status or verification of account details XXXX XXXX  {$240.00} this account was used with a CPN as well when someone used my information to apply for an apartment. I asked them to verify and have yet to see anything removed I had a credit analysis done and didnt realize this is why I been having a hard time moving out of my dads house. I need some help getting this removed as I need to move out soon. I did lose my social, id on the bus 3 years ago and a lot of random stuff is reflecting on my credit that needs to be removed.
Product: Debt collection

My identity was stolen and I have a bunch of accounts in collections. My credit score is crushed! 

XX/XX/18 - XXXX XXXX XXXX XXXX - {$1600.00}
Product: Student loan

Mohela agreed to refund loan that was paid sent letter that would do in 2 parts refunded partial amount said waiting on discharge by dept of education who refuses to assist loan was part of class action suit settled in florida XX/XX/XXXX loan paid off XXXX XXXX XXXX school notified of suit and refund inXXXX partial credit recieved XX/XX/XXXXXXXX XXXX XXXX XXXX with Mohela now avoiding me have attorney but trying to resolve without filing suit
Product: Vehicle loan or lease

I have tried to have my car put as a Lemon for the longest, with in 30 days of me having the car it was in and out of the shop because there was so many problems with it. I tired calling and getting help and nobody wanted to help! Im literally paying for a XXXX XXXX. And its very scary to even drive
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Plaza Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Validation of Debt Request Account Numbers : PLAZA SERVIC XXXX | Balance : {$9600.00} PLAZA SERVIC XXXX | Balance : {$3600.00} PLAZA SERVIC XXXX | Balance : {$3700.00} Dear Plaza Services, I am writing to formally request validation of the alleged debt associated with my account, identified by the account numbers PLAZA SERVIC XXXX, PLAZA SERVIC XXXX, PLAZA SERVIC XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. 

I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. 

Please provide the following information within the next 30 days : - The amount of the debt claimed. 
- The name of the original creditor. 
- A copy of the agreement, contract, or other instrument that created the debt. 
- Verification that you are licensed to collect debts in [ Your State ]. 

If any of the abovementioned information is not available, please provide an explanation as to why. 

Additionally, I request that all collection activities be ceased until the requested verification is provided. This includes any communication related to the alleged debt or any reporting to credit bureaus. 

Failure to comply with this request may result in legal action. Your cooperation in providing the necessary documentation is appreciated and will help resolve this matter promptly. 

Please send all correspondence regarding this matter to the address listed above. If you are unable to provide the requested information, kindly inform me in writing. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I opened the Barclay XXXX Visa card which made my first statement balance due by XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX I signed up for automatic payments - there is no confirmation timestamp of this ; however no changes have been made since automatic payments were initially set up. 

Barclay 's app and website indicate " ENROLLED IN REPEAT PAYMENTS ''. The problem is, Barclay doesn't let you know the first automatic payment does not work. This lead to me incurring a late fee on XX/XX/XXXX. Upon notification of the late fee, I immediately called Barclay to make a payment and ask for the late fee to be removed and reimbursed so this would not impact my credit. On XX/XX/XXXX I received an interest charge fee associated with the previous late payment - which I was told I would not incur. The customer service rep was happy to reverse this charge and today I receive reimbursement for the full amount. 


Barclay 's handling of automatic payments is predatory and misleading. While customer service was quickly able to reverse the fees, I should not have to spend hours of my time on hold and speaking to them about these charges which should not occur.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed are fraudulent someone stole my photo id and social security number and open fraudulent accounts in my name i am victim of identity theft I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRas. On XX/XX/2021, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Speedy cash shared my information to XXXX XXXX. Now they are trying to collect XXXX, I do not know who XXXX is I never signe paper work with XXXX, they bumped the initial amount of XXXX, also they report to the credit bureaus different information, one day my account is open the next day closed, then collections, this been closed, remove It from report, also sending Letter to petition to keep there business open, they took my documents of line
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX  XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX {$1900.00} XXXX XXXX {$1700.00} XXXX  XXXX {$3600.00} XXXX   XXXX {$0.00} XXXX XXXX {$0.00} XXXX   XXXX {$0.00} XXXX XXXX XXXX {$2900.00} XXXX XXXX {$7400.00} XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to Experian and XXXX on XX/XX/XXXX about 11 negative accounts all with account # XXXX .... from XXXX XXXX for various amounts and 1 negative account from XXXX XXXX account # XXXX. I asked for verification and/or validation of the original instrument of indebtedness by way of contract or signed agreement. Experian responded that they verified the debt with the company and I needed to contact XXXX XXXX for any paper work. I did just that. On XX/XX/XXXX I wrote a letter to XXXX XXXX and XXXX XXXX directly asking for the same information. As of this date XX/XX/XXXX I have not received any response of validation and/or verification. I sent another letter to both Experian and XXXX on XX/XX/XXXX letting them both know that I had not received any response of validation or verification in the time frame specified by law under the FDCPA and the FCRA of 30 days, and that the debts should be removed from my credit report. As of this date I have not received a updated credit report and credit score.