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

I have sent several complaints to you recently, and told your credit bureau to " investigate every piece of information '' on the account listed below. I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX According to the FCRA the term `` investigate consumer report '' means a consumer report or portions thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through persoal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. They stated the account was verified by how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on this account is still not reporting 100 % accurate. And according to the FCRA 15 USC 1681, everything has to be 100 % accurate. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. I have filed complaints with the FTC, CFPB, and directly with your credit bureau ( phone, mail & fax ). I have documented all of my efforts and will pursue all resources available to me.
Product: Credit card or prepaid card

Hello, I have reached out to American Express multiple times, with no answers and no regards to the status of my account. I have never had a 30 day late payment with American Express. I had fallen behind in XXXX of XXXX and XX/XX/XXXX, but never 30 days past due. On XX/XX/XXXX I spoke with XXXX, who stated i should make a payment immediately to avoid receiving a 30 day late mark, since my account has never been delinquent. I complied, paid the requested amount, and agreed to pay the remaining amount by XX/XX/XXXX. On XX/XX/XXXX, I attempted to make a payment to American Express but was unable to do so as my account had been closed. I tried multiple times to contact them but was unable to get through after entering my account number. I finally found a number to call directly, and spoke with 3 different team members. None of which could explain what happened. I had a debt collection agency contact me shortly after, in which I mailed a letter questioning the validity of them taking possession over the account. I did not hear back from that company again. American Express continues to send me statements, but does not let me make payments. I now have another debt collection agency, who has just taken over the account, contacting me. They arent concerned with my questioning of the way American Express handled my account, but I am now conflicted with having an account in collections, appearing to be delinquent, when I dont feel like it should be there in the first place. I am truly at a loss on how this should be handled. 
Thank you.
Product: Credit card or prepaid card

Accepted promotional offers for 0 % interest terms. Paid one entirely and the second expires in XXXX 2018. Company charging interest on second transaction when not supposed to.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Transunion for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXXXXXX XXXX Account Number : XXXX Date of Charge Off:XXXX Amount : {$4300.00} I have previously disputed the accuracy of this charge off account with Transunion and provided evidence that the information is inaccurate. However, Transunion has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Debt collection

I have received 8-10 phone calls at my place of business relating to debts owed to someone with the same name as me. The representatives have been rude and unapologetic. I have returned their phone calls 3-4 times, each time giving clear information that I am not the person they 're looking to contact, and that they need to remove me from their records. Each time I was told they would do so. Today I received another call, and on my return call back I spoke with a supervisor and reiterated my request.
Product: Mortgage

They are lieing about my house payment!!! Ive called them over an over!
Product: Vehicle loan or lease

In XXXX, I filed a complaint against Wells Fargo Car Services regarding the improper repossession of my vehicle in XXXX. After more than XXXX months of waiting, I received a check for {$10000.00} in compensation for the losses I endured due to the repossession. Along with the check, I was provided with an offer to submit a remediation request if I felt the amount was insufficient. I filled out the necessary form and returned it as instructed, outlining that the {$10000.00} did not adequately address the full scope of my financial losses and the lasting impact this repossession has had on my life for those XXXX years since my car was taken. 

Unfortunately, I have not received any response or communication from Wells Fargo Car Services regarding my remediation request. It has now been several months, close to a year since I submitted the form, and I am concerned that my request has been ignored or overlooked. I am requesting your assistance in facilitating communication with Wells Fargo and ensuring that my concerns are properly addressed. 

The improper repossession caused significant financial strain, loss of personal property, and emotional distress, and I believe the initial compensation was not reflective of these hardships. I am seeking an update from Wells Fargo regarding my remediation request and hope for a fair resolution. 

I appreciate your attention to this matter and look forward to your assistance in obtaining a timely response from Wells Fargo Car Services.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and noticed some unverified inquiries on my report that I did not authorize nor did I give permission to these lenders to pull my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit Reporting act XXXX XXXX Numbers Listed Below, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 consumer Reporting Agency Can not furnish a account without my written instructions.
Product: Checking or savings account

On XX/XX/XXXX18 I was contacted by XXXX Fraud management and they indicated that there was some transactions that they wanted to verify. I informed them at that time that my wallet had been stolen and that the transactions in question were not mine. They shut down my card and issued a new one and filed the fraud claim. Over the coming days a lady by the name of XXXX called me and asked me some questions about the merchants and the transactions at which i advised here they were not processed by me. After approximately two weeks passed and she called to inform me that my claim was being denied because i had transacted with one of the merchants last year. I advised here that this isn't a valid reason to deny a fraud claim. I had already filled a police report which was provided to her. I asked to speak to a supervisor which took four day for a call back. Now its been two more weeks and I've requested in writing the reason for the denial and no information can be provided to me justifying the reason for the denial. In addition she reported my accounts for closure.
Product: Mortgage

My payment was applied by the bank 5 days later than it was received. My mortgage is with the same bank as my checking account. The payments shows as cleared through my account on XXXX/XXXX/2016, however, they did not apply it until 5 days later on XXXX/XXXX/2016. I contacted them through their confidential web service emails, they intend to do nothing about it. This caused 5 extra days of interest to accrue.
Product: Bank account or service

I was scammed into giving XXXX to a man who stated he did investments He has since not kept his promises. 1 month ago he told me he was going to block my account and I will not get my money back. I posted XXXX with XXXX different banks and this XXXX bank refuses to help me because they said I gave my card number out. I used it as a credit card so I would have the protection but the bank is declining even looking into it. I do have a lot of documentation as well as the other bank processed the dispute.
Product: Credit reporting or other personal consumer reports

TransUnion refuses to remove the following information from my credit files. I have called the companies and they have stated they have not received a dispute. I have disputed these items multiple times. THE INQUIRES ARE FRAUD! Filing police reports and what not in order to have this information removed. TransUnion is committing fraud by refusing to remove this fraudulent and offensive information! It is listed below in my police report and screen shots.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : DEPTEDXXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 
COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Debt collection

Previous landlord attempting to collect a debt I do not owe. The debt includes a fee for a couch removal- I have a video of the couch being picked up/removed by the department of sanitation for my city. I have proof of this and proof I left the apartment at the end of my lease term and in immaculate condition. I took video evidence. I have attempted to dispute this debt and the collection agency is not responsive to my attempts to reach them. I have been told that the company is no longer in service and I have not been given the chance to prove that I do not owe this debt and that it is fraudulent. I have not been able to leave messages, or get responses to letters I have mailed to this company. This is a debt that is WRONG and is on my credit report and is hurting my financial status. Please help me exercise my rights and resolve this issue. I am not being treated fairly by this company. I can send you the video evidence to support my statements. Below is the information of the collection account : XXXX XXXX XXXX, on behalf of XXXX XXXX , XXXX ( my previous landlord ). Their address is XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX. I am attaching proof that I gave proper notice to vacate the apartment and a confirmation email from the NY DOS that I made a request for them to remove such items and where to place them ( prior to me leaving the apartment ).
Product: Bank account or service

I followed all the steps and fulfilled all the conditions laid out by Discover Bank. They also communicated verbally with the confirmation # and later via email communication. First they said bonus will be paid on XXXX/XXXX/XXXX. Later they said by XXXX/XXXX/XXXX. But till now no bonus ( {$100.00} ) has been paid. 
Please refer to the CFPB cases : Case number : XXXX Case number : XXXX
Product: Student loan

In XXXX 2016 I applied for a XXXX Discharge through Nelnet because I am on SSI unable to work or go to school. 
I provided them with more information than I needed to a copy of my SSI determination and a completed Doctor Evaluation form. I have tried many times to find out the determination of my case until I was again asked for a form to be requested from Social Security to verify when my case would be reviewed and it was 7 years, well past the 5 years needed by Nelnet. Each time I inquire I am told it will take 30 more days for review. It is now 6 months and still no determination. I am tired of their excuses and beginning to think they might be a scam.
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 Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX
Product: Student loan

EVERY MONTH I PAY EXTRA PRINCIPLE TO PAY DOWN MY LOAN FASTER BUT NELNET KEEPS INCREASING HOW MUCH I OWE A MONTH!!!!! XXXX????? MY MORTGAGE COMPANY DOESN'T DO THAT TO ME!!!!! I WANT TO KNOW WHY THIS KEEPS HAPPENING AND WHEN THEY'RE GOING TO STOP!!!! I ALSO WANT TO KNOW WHAT MY PAY OFF AMOUNT IS ( THAT REQUIRES NELNET TO PROVIDE AN ACTUAL DOLLAR AMOUNT IN THEIR RESPONSE )!!!! I AM SO READY TO BE DONE WITH THE SCAMMERS FOREVER!!!!!
Product: Credit card

I was approved for a credit card through Concora Credit it was an Indigo XXXX XXXX. I checked the balance on the card and it is a {$170.00} annual when the cardholder agreement does not say anything about {$170.00}. The cardholder agreement says that the annual fee could be between $ XXXX {$99.00}. I was told I would still be responsible for the {$170.00} even if I did not use the card. I requested the fee be waived or lowered to a proper amount that is listed in the Cardholder agreement but the request was denied so it made me stuck and in a bad position. I had to use the card since I was going to be charged the over the card holder agreement fee which is a violation of the card terms which should mean it is invalid. I was only able to use the card XXXX before a security feature locked my credit card and no one is able to override the security feature. I spoke to several associates with Concora and they could do nothing for me. The card has plenty available credit but it the card continuously denies for any transaction no matter how big or small the amount is. It is ridiculous Concora Credit violates the cardholder agreement with significantly overcharging me with an outrageous Annual Fee then locks the account so that I can not use the available credit but Concora still would want me to pay for something I can not use. This company is horrible and should be avoided at all cost.
Product: Credit card or prepaid card

This is an account I never applied for and I don't have a monthly statement Account name XXXX XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to rectify this issue. I have a 30 day late with account XXXX XXXXXXXX from XX/XX/2019. The month in question I was given a forbearance. I have the letter stating it. I have made a dispute with all 3 credit bureaus and with XXXX/ XXXX XXXX XXXX XXXX XXXX said it was correct even though I provided them with the letter they sent about the forbearance. Then, they said they didn't report it to the credit bureau. I provided XXXX with proof that it was on my report but to no avail. Attached is a copy of the forbearance and proof that it is on my credit report
Product: Credit reporting or other personal consumer reports

I sent letters to Equifax requesting that they remove XXXX collections from my Credit Report due to the accounts reporting inaccurately. I also sent letters to the Debt Collection Agencies that are reporting the inaccurate accounts. The Debt Collection accounts that I'm referring to are the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There were no changes or updates made to my Credit Report regarding these accounts. The Debt Collection Companies listed about did not satisfy the Consumer Credit Laws stated in the letters that I sent to the said companies.
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 accounts listed below still remain on my credit report in violation of Federal Law. The Equifax 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 UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX {$200.00} XXXX XXXX {$1200.00} XXXX {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$3300.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance : {$940.00} ; XXXX XXXX XXXX Original creditor : XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$720.00} ; XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX Balance : {$160.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.