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

My personal information was very possibly hacked and stolen from the Equifax breach. On XXXX XXXX, XXXX I have gotten my annual credit reports to ensure there was nothing out of the ordinary on there, I placed an initial 90 day fraud alert through Equifax and I am now filing this complaint. This breach could be potentially catastrophic to me if my information is stolen and this is absolutely unacceptable and Equifax has handled this situation extremely poorly.
Product: Debt collection

I received a letter from them and responded within 30 days asking for debt validation. When they did not respond I previously complained to you and they responded saying they validated the debt with me, they did not! They made up a phony bill and printed it and sent it to me. My letter was clear on what was needed to validate this debt. My letter also told them that until they validate this debt any negative information on my credit report would constitute fraud. They received my letter on XXXX, on XXXX they reported a new collection account on my credit report. A CLEAR VIOLATION. They also have not validated this debt with me. My letter asked them to provide me with : 1. The original signed agreement showing I agreed to be responsible for this debt. 2. A completed accounting history of this debt. 3. copy of their Illinois license showing they can legally collect a debt in Illinois ( which when I call Illinois Department of Regulations I was told they do not have a license to collect debt in Illinois ). 4. The full contact information of their registered agent. All I received was their phony bill.
Product: Mortgage

Complaint # XXXX has been closed. 

I would like to re-open this case. 

Re-cap : XX/XX/2018, I paid my XX/XX/2018 mortgage. 
And added some to apply to principal. 

Di-Tech mismanaged the payment and applied 100 % to the principal. 
And wanted a 2nd payment to cover the XX/XX/XXXX bill. 
PLUS a late fee that should have never been issued. 

Di-Tech never admitted to the making a mistake but sent the late fee to me in the form of a check. {$35.00}. 
They referred to as WAIVING THE FEE. 
It should have been referred to as a REVERSAL. 

FAST FORWARD TO TODAY : They stopped-payment on the check!!!! 
AND, My bank reversed the deposit! 
AND, My bank is charging me {$12.00} for the inconvenience. 

I'm requesting a cashier 's check for both amounts AND an apology for all of their mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Bankruptcy Court : U.S. Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2016 -Today I contacted NORTHERN DISTRICT OF ALABAMA located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with the phone number ( XXXX ). They informed me that they do not supply information the third parties. How did you verify this public information?
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've contacted XXXX and the 3 major credit reporting agencies several times in an attempt to have incorrect information updated. XXXX has added and removed balances only to add them again. Proper notice was n't given when this was done. They were unable to provide me with the necessary documentation proving that I was actually late making a payment when I asked within the legal timeframe. They 're also reporting inaccurate information about my payment history to both of my XXXX accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one, they did not have the correct contact information and I was not able to be notified about extending my forbearance. An extension was granted, but they still reported late payments during a period when no payment was due XXXX XXXXXXXX XXXX and XXXX XXXX ). I respectively ask that the late from XXXX XXXX to XXXX XXXX be removed and set to current. As soon as I contacted XXXX they notified me that my loans were in forbearance. Also, I want all loans older than 7 years off my credit report, as that is more than the SOL for my state. I need this done ASAP, as XXXX is doing illegal collecting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity theft. The following account and inquiries listed below are fraudulent. Ive sent a Requested a credit bureaus, and my request for information to be blocked has been ignored. 
Accounts As Follows 1. XXXX XXXX XXXX {$500.00} 2. XXXX XXXX ( XXXX XXXX XXXX ) {$810.00} Ive never done business with the following companies or entered into a contract with the companies listed above. All of these accounts are results of Fraud. Someone used my information to get medical care. 

The following inquiries are XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I qualified for a modification due to Covid. My trial period was from XX/XX/2020 to XX/XX/2020. I had to pay XXXX per month for three months. The XXXX payment was made the end of XXXX. I was sent documents that needed to be signed and notarized. I took them to the notary and sent them back to the mortgage company. The notary did not verify our names correctly. The documents were not accepted so they sent me another set of the same documents to have done again. In the meantime, I was told by my case manager to hold off on my payments because the dates and amounts will change. The second set of documents were notarized and sent back before the deadline date. I waited until XXXX to send a combined payment of XXXX which would apply as the XXXX and XXXX payment. The mortgage company did not accept the payment and sent me a letter stating that they would be shredding my check. Since that time, I have called and insisted to talk to managers. I spoke with XXXX, XXXX and XXXX and they all promised that this was an error on the banks side and would be corrected and my account would be fixed. I have not heard back from any of the managers that promised me a call back and my loan still is not fixed. Please help.
Product: Checking or savings account

I dont book through hotels directly so when I was told this morning after transferring XXXX into my bbva account # XXXX that XXXX place took XXXX I knew it was a lie. The bank stole XXXX from the transfer and then claimed it was stolen by XXXX place. 
I tried to file a fraud dispute and they hung up on me 3 times.
Product: Checking or savings account

I am unable to open a bank account due to some misleading information on y consume report and this is really disturbing and annoying at the same time. I need help on how to go about this.
Product: Money transfer, virtual currency, or money service

on X/XX/2017 Coinbase wrongfully transferred money out of my bank account and is now refusing to pay it back. When confronted by my bank account transaction proof, they simply refuse to show any proof and are simply ignoring my requests They now have locked my account for 60 days, so I cant even take out my US Dollars valued around {$3900.00} from my account
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Request to Remove or Block Adverse Information from Experian Credit Report Pursuant to Section XXXX of the Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to formally dispute and request the removal or blocking of adverse information from my Experian credit report under Section XXXX of the Fair Credit Reporting Act ( FCRA ). As a victim of XXXX, I am entitled to this protection, which requires Experian to remove or block adverse information within XXXX ( XXXX ) business days upon receipt of my documentation. 

To support my request, I have enclosed the following : XXXX. A self-attestation letter, signed by a government XXXX XXXX XXXX, confirming that I am a victim of XXXX. 
XXXX. A copy of my government-issued identification documents to verify my identity. 
XXXX. A letter explaining the specific adverse information on my XXXX credit report that is the subject of this request. 

As per Section XXXX, victims of XXXX are not required to provide evidence beyond a self-attestation letter signed by a government entity. Experian must comply with its legal obligations and promptly remove or block the adverse information. 

I respectfully request that the CFPB ensure Experian processes my request and confirms the removal or blocking of the adverse information from my credit report. Please contact me at the above-listed phone number or email address if you require additional details or need clarification. 

Thank you for your attention to this urgent matter. I trust that you will take the necessary steps to protect my rights as a victim of XXXX. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

The account in question in discussion is US Bank Account # XXXX the issue at hand is a late in XX/XX/2020, Back in XXXX I was sick with XXXX  I tried calling to defer the payment and could not reach anybody at US Bank. When I was well enough to work I did make the payment immediately.
Product: Debt collection

I asked for the original contract signed between Me and the debt collector and a 1099 form and the original date of payments
Product: Money transfer, virtual currency, or money service

I'm previously a PayPal user who received a account limitation email on XX/XX/XXXX stating " I can no longer do business with PayPal '' and " my funds will be held for up to 180 days from the limitation ''. PayPal later contacted me on XX/XX/XXXX ( by email ) notifying me my funds were now eligible for withdrawal, the problem now is when I attempt to add my current bank account to proceed with the withdrawal I get denied. I get the following error message " This account needs a little help to link it. Contact us and we can help with that, or you can link a different account. '' I attached a screenshot of this issue. I have tried adding multiple bank accounts to no avail and I have attempted to contact PayPal support ( which I have done for years ) and I get ignored. 

UPDATE : In the latest response I received ( Thanks in part to the CFPB ) PayPal claimed they made an adjustment which will allow me to add my bank account and withdraw my funds. They also stated this adjustment will expire on XX/XX/XXXX. I am obviously here making this claim because the adjustment they claimed they made did nothing with helping me add the bank. I now need further assistance.
Product: Credit reporting or other personal consumer reports

Sam club is inaccurately furnishing information to XXXX and XXXX who are reporting onto my consumer report. This is causing me significant damages as I have repeatefly tried to get this information updated to reflect properly. 

Last Verified : XX/XX/XXXX -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX Account Rating : Paid -- Closed Last Payment : XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1692j - Furnishing certain deceptive forms U.S. Code ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section XXXX  of this title for failure to comply with a provision of this subchapter.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following accounts and inquiry be blocked and deleted from my credit report due to fraudulent activity associated with a data breach. As a victim of this breach, I am requesting the removal of these accounts pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The following accounts should be blocked and deleted : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I opened a checking account over 1 year ago with KeyBank back in XXXX. They had a promo where Id get a bonus of {$100.00} if I met some requirements. I have met the requirements and received the {$100.00} bonus. However, they sent me a XXXX form for {$300.00} instead of the {$100.00} I received for the bonus. I contacted them and asked them to amend the XXXX form as the amount was incorrect. My first contact was on XX/XX/2023. I was told that they would amend the form and it should be available on their website in a couple of days. A few days went by and no form was loaded. In XXXX I contacted them again and this time was told they had to send the amended form by mail. Due to the tax deadline, I had to submitted my tax return in good faith that they were sending me the amended form. However, I still have not received the form. I contacted them again yesterday and this time they are telling me that because I also received a t-shirt as part of the bonus promotion, they are valuing the t-shirt at {$200.00}!!! I was never told that when I opened the account. I even checked my documents. I was also never even given a chance to pick a size for the T-shirt! I was sent a XL shirt with a KeyBank logo! They cant make up value like that and overvalue this at {$200.00}! A t-shirt I can not even wear! Are they crazy?! I believe this is misleading and tax fraud and Id like to either receive the {$200.00} bonus or receive an amended XXXX form as it was promised to me twice before they decided to make up this excuse. Id like to also receive a {$50.00} compensation for the time I had to take to follow up on their mistake. All my contacts were via online chat and I have the prints of all the conversations where I was told multiple times that I would receive an amended XXXX form. I am very disappointed at this bank, their lies and bad customer service!
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in certified letters to Equifax requesting that they investigate and remove derogatory account and they have failed to do so. The dispute that I open has already been completed. I have received no Validations from Equifax that the creditors provided to Equifax to validate and verify as accurate. As a consumer reporting agencies 15 U.S.C 1681a ( f ) they are governed by the Fair Credit Reporting Act 15 U.S.C. 1681, which protects consumers from inaccurate, outdated, or invalidated information reporting of their consumer file.
Product: Consumer Loan

I mailed XXXX checks to my auto loan bank Wells Fargo. XXXX was for my regular payment and the other was for principal only. The bank applied almost half of the principal only check to payment with interest. When I contacted the bank they said a machine processes the payments. They said They would fix the problem and next time to include a sticky note with my principal only check. My check clearly stated principal only on it and for them to claim robot error, is insulting.
Product: Credit reporting or other personal consumer reports

SOMEONE STOLE MY IDENTITY & MY SOCIAL THEN OPENED UP A MOBILE ACCOUNT. PLEASE DELETE THIS COLLECTION FROM MY CREDIT REPORT IMMEDIATELTY, I DID NOT AUTHORIZE THIS. 

PURSUANT TO 15 U.S.C. 1681b.
Product: Debt collection

ive became aware of this fraudulent loans being open under my identity due to various calls this was later followed by XXXX contact me about my address change which i didnt not authorize over the last few months i contacted police the credit and banks try to impose my right and have these fraudulent accounts and inqurie removed i am a victim of identity theft and have enclosed a copy of my police report/ftc/license and social security card, i am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. i have relate to any transactions that i have made therefore, i am requesting that these accounts be completely removed and blocked from my credit file. this is not a regular dispute i have filed a complaint with the federal trade commission to document to document beimg a victim of identity theft.
Product: Credit reporting or other personal consumer reports

I looked at my Transunion report back on XX/XX/2023 and noticed some things were incomplete and not accurate. And according to the FCRA whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not complete and accurate. I sent a letter asking them to reinvestigate and also did a complaint with you the CFPB, certified mail receipt XXXX, to which I received a response that everything was complete and accurate but if you check my attachments everything is not complete and accurate. ( see attached ) I am now requesting a detailed description of the procedure used in the reinvestigation process? What XXXX compliance procedure was used in the reinvestigation of these accounts? Was the furnisher XXXX compliant? Which aspect of XXXX were they compliant with in the description of their response? What aspect of XXXX in the description made what they reported about the account accurate and verifiable? Please provide the information by your agency relating to the disputed accounts on my consumer report pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681i ( 6 ) ( b ) ( iii ) and 15 USC 1681i ( 7 ). 

Can you please see to it that TRANSUNION follows ALL Federal laws in accordance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please eliminate this account in my file : XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/ Balance : {$91.00}. Also, I never stayed at any of this addresses so please remove them : XXXX XXXX XXXX XXXX XXXX, CA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX
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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

fraudulent accounts XXXX AND XXXX XXXX XXXXXXXX XXXX NEEDS TO BE REMOVED FROM MY REPORT THESE ACCOUNTS ARE FRAUD AND WERE OPENED WITHOUT MY CONSENT AND OVER 32 HARD INQUIRES