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

To Whom It May Concern Please accept this letter as a formal complaint against my mortgage provider, XXXX. 

I am respectfully requesting your agency assist me by providing relief in removing months of false and malicious reporting to the relevant credit bureaus. Specifically, that XXXX contact the relevant credit bureaus and rescind the false reporting. 

I never filed for personal bankruptcy. 

Unexpectedly, XXXX ceased any and all communication with me as of XX/XX/XXXX. 

They removed me from the auto-draft payment program without my knowledge, consent or directive. 

Additionally, they stopped providing my monthly statements. In doing so, they failed to advise me of changes to my account. By way of example, they increased the monthly amount due, while simultaneously refusing to speak to me regarding any and all previously noted matters. 

XXXX ( due to their own administrative failures ) then proceeded to report derogatory late payments to credit bureau reporting agencies for the following months : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX After nearly a year of phone calls, denials, and relentless efforts, I was finally able to have them partially investigate this matter. They reluctantly recognized their error and attempted to rectify the madness of kicking me off the auto-draft monthly payment program, by allowing me to resume the auto-draft payment program. Thus assuring I could once again make accurate, and timely payments as I had previously done. They assured me that once the account was formally updated within their system, they would address and correct the error with their credit department. Needless to say, the false reporting continues to this day and clearly has not been corrected. 

Furthermore, as of the writing of this correspondence, their statements continue to reflect an outstanding balance that they represented via telephone would be corrected and/or adjusted. It continues to re-appear on a basis. 

I am respectfully requesting your assistance with correcting the aforementioned matter. In reading available customer reviews, it appears I am not alone. 

Please contact me upon receipt and resolution to this very time sensitive matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year.. I need this problem fixed asap i will not wait another 45 days to receive no response because clearly yall disregarding me. I still haven't heard back from XXXX, TransUnion, and XXXX.
Product: Credit card or prepaid card

XXXX XXXX transaction date XX/XX/19 -- Posted 09/05/19-reference # XXXX, account # XXXX XXXX I have no record of this purchase. Checked XXXX account, not listed in " store purchases or online. '' Contacted XXXX- '' We can't help you, contact the Bank . '' XXXX Filed fraud dispute with Bank of America XX/XX/19 Fraud dispute not approved by Bank of America XX/XX/19 Requested detailed document of what was charged through Bank of America . 
Received document, doesn't list which store, just says " general merchandise. '' Call Bank of America, told to go to the store and ask for specific information. 
XXXX Spoke with manager of store, told he has no records and contact XXXX  Customer Relations. 
Contact XXXX  customer relations, told to contact Bank of America.
Product: Credit reporting

I have and inquiry on my credit report that I didnt authorized on XXXX XXXX 2016. 
the company name is XXXX/ XXXX. they are mortgage reporters that is the explanation. 

i am not applying for a loan please remove this inquiry. i am not familiar with this company at all
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently working with XXXX XXXX XXXX to help pay off my debt rather than filing for bankruptcy. One of the accounts I enrolled in the debt repayment program is my XXXX XXXX credit card that had a balance of {$6200.00}. The collection is being handled by Gurstel Law Firm , P.C . On XX/XX/XXXX, XXXX XXXX accepted a settlement offer of {$3100.00} from XXXX to be paid in 24 months. In accordance with the agreement, XXXX had already made regular payments for 12 consecutive months. As of XX/XX/XXXX, the remaining balance on the account is {$1600.00}. However, in spite of several disputes with XXXX, XXXX and XXXX, XXXX XXXX continues to verify the following inaccurate information : ( 1 ) Balance and Past Due Balance as {$4800.00}, ( 2 ) Payment history shows " FP '' ( Failure to Pay ) from XX/XX/XXXX through XX/XX/XXXX on my XXXX Report and " CO '' ( Collection ) on my XXXX Report, ( 3 ) Payment Status as " Charge Off '' when it should be " Paying ''. As you know, in spite of the fact that the account was in collection, regular consecutive payments on the account, along with the reduction in the balance helps to improve one 's credit score, and unrecorded 12 consecutive payments is significant in terms of improving my credit score. The fact that they continue to report the inaccuracies is continuing to hurt my credit score and causing further damage to my reputation. I am therefore filing this complaint against XXXX XXXX and seeking your help in getting them to correct all three CRA reports accordingly. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with EquifaxXX/XX/2019 for wrong outdated infomation on my report. I have an email to check the status of the findings completed XX/XX/2019, but can not access them because a perepetual loop of services they offer are for sale deactivating or stopping my access- their website does not function.   I tried calling the number supplied XXXX  and again get stuck in a perpetual loop of sales questions.   They give me til XX/XX/2019 deadline to view their findings and I can not access  them or get ahold of anyone to help do so.  No hard copy has been offered via mail either and I worry the fate of my information is in the hands of a very corrupt operation. They have all proofs of identity needed and I was recently denied credit based on their incorrect files.  Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

In California residents are allowed to " globally opt-out '' of the LexisNexis consumer database ( XXXX ), however, in practice every single user who attempts to do so will receive an " Internal Server Error :500 ''. This is almost certainly intentional. I suggest that it be tested by other CA residents. I have two friends who live in different parts of California and they have received the same error. This database is intentionally anti-competitive and shouldn't be allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to have 3 fraudulent accounts from XXXX deleted from my credit report with XXXX XXXX  and Transunion for months now. I have sent numerous letters asking for these accounts be investigated and once verified show proof of their right to post those accounts on my credit reports. I have showed indisputable proof from the IRS that these accounts are not mine. In all cases they have responded with a generic response that the accounts were verified. They verified it without showing how they investigated or proof of their verification, even though i have requested to see this information. XXXX XXXX and Transunion continue to violate my rights as a consumer to have these accounts that are not mine deleted, or show proof that they have the right to have these fraudulent accounts on my credit reports. Transunion already deleted 2 out of the 3 accounts but XXXX  and XXXX  refuse to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$840.00} XXXX XXXXXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$100.00XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00XXXX XXXX XXXXXXXX XXXX Balance : {$510.00} XXXX XXXX XXXX XXXXXXXX Balance : {$840.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX Balance : {$25000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$50.00} XXXX XXXX XXXXXXXX Balance : {$20.00} XXXX XXXX XXXX XXXXXXXX Balance : {$840.00XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$50.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$440.00} Inquiries : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you because you are reporting this collection as an " OPEN ACCOUNT '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. 

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

XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response. I feel like I'm being taken advantage of And being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days given a response to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly.I demand these accounts be delete immediately or I will file for Litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a new motorcycle from XXXX with XXXX XXXX for the loan in XXXX. I was fully covered with insurance for the vehicle and GAP insurance for the loan. The vehicle was totaled on XXXX XXXX. I notified XXXX of this the following week. My monthly payments were about {$160.00}. My insurance company sent a check for over {$4000.00} to XXXX, however, XXXX said I was late making a payment. My GAP insurance sent XXXX a check for the remainder of the amount owed on the loan. When I found out my credit score had negative remarks on it greatly lowering it, I called XXXX. They told me that since I did not pay them {$160.00} that my account was delinquent. They said even though the insurance paid multi-thousands more than the {$160.00}, it did not count since it I did not make the payment. Both my auto insurance and GAP insurance have paid the total of the loan within a couple of months, however, my credit is still damaged because of XXXX. I have been communicating with XXXX and have submitted to them all the documatation they have requested as soon as I had them, as well as other documentation from the insurance companies that their money is on the way.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX WAS INCLUDED IN MY BANKRUPCY WHICH THEY ARE SHOWING ON MY CREDIT REPORT AS UNPAID AND NOT PART OF THE BANKRUPCY. THE CAR WAS TURNED IN DUE TO BANKRUPCY AND APPROVED BY THE TRUSTEE AND WAS PART OF DISCHARGE. I OWE NOTHING TO XXXX XXXX OR ANY OTHER AFFILIATES ASSOCIATED WITH XXXX, UPON TRYING TO GET RESOLVED WITH XXXX, THEY HAVE NOT TAKEN THIS OFF OF ANY OF THE 3 MAJOR REPORTING AGENCIES AS OF TODAY. I ASK THIS BE REMOVED IMMEDIATELY AS IT IS HAVING NEGATIVE IMPACTS ON MY LIFE DUE TO XXXX NOT HANDLING THIS PROPERLY KNOWING IT WAS PART OF BANKRUPCY. IF NOT REMOVED UPON RECEIVING THIS NOTIFICATION I WILL PURSUE ANY MEANS NECESSARY TO CLEAR THIS UP.
Product: Mortgage

Received a letter from my Insurance company stating that my homeowners insurance was canceled due to nonpayment. It is the mortgage companys responsibility to make this payment in a timely manner. When I called them they transferred me to their insurance division who refused to make the payment for XXXX hours claiming they had to mail a check and could not make a payment from my escrow account over the phone. This means that I will have gone without homeowners insurance for 10 days. This is absolutely unacceptable not only did they fail to make a payment but then refused to make one immediately. Which could be easily done over the phone.
Product: Money transfer, virtual currency, or money service

I sold 132 annuity payments to J.G. Wentworth in XX/XX/XXXX, {$1900.00} each. Totaling {$250000.00}. I received {$30000.00}. I contacted them to see if we could renegotiate the deal but was told there was nothing they could do. The payments start XX/XX/XXXX and end XXXX. I was led to believe that the reason I received so little was because of the risk they were taking. There is no risk. The payments are guaranteed and insured. Even if I died before XXXX the payment would then go to a beneficiary. I feel mislead and ripped off. 

When I contacted them for copies of all the documents related to the deal, I was sent the wrong papers. I tried 3 times before giving up.
Product: Checking or savings account

On XXXX XXXX I was contacted by Chase about attempted fraudulent transactions that I didn't authorize during the call the Chase rep sent codes to my phone and somehow retrieved these codes and opened opened an XXXX XXXX account with an XXXX. I received the call at XXXX and these codes came to my phone at XXXX I never requested any codes and never authorized anyone to debit my account. The caller was a Chase Representative because the initial call is logged in their system. I have contacted their fraud department and was told I assisted in being defrauded and I won't be refunded. These debits came from account transfers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a late payment on m y credit report, that it is inaccurate and i was never late, please help me to remove this inaccuracy from my credit report i have uploaded the XXXX XXXX letter for which they have approved to remove this delinquency, but XXXX is not removing and does not cooperate, the other two bureaus have already removed except XXXX. 
thank you for your understanding
Product: Credit card

To whom it may concern, In XXXX, I opened a UMB credit card ( the card number ending XXXX ) that offered 0 % APR on purchases till XXXX. 

Unlike my other 0 % APR credit card, the exact 0 % ARP expiration date is not listed on credit card statements or anywhere in my online account, I web messaged the customer support inquiring about this information and got a response that my 0 % ARP will expire on XX/XX/XXXX ( screenshot available ). However, I got an interest charge on XX/XX/XXXX though I paid the minimum balance for the corresponding billing cycle. 

Since XX/XX/XXXX, Ive made repeated attempts to contact customer support via web messages and phone calls for the following. But as of today, XXXX, I havent gotten any response or resolution to these requests/inquiries : 1. Interest charge reversal since the 0 % APR expiration date I was provided with is a much later date 2. clarifications regarding the reason for the interest charge, given I was informed of a later 0 % APR expiration date 3. the correct 0 % APR expiration date if the previously given date is incorrect Truly appreciate your time and consideration in addressing this matter! 

Best regards, XXXX XXXX
Product: Credit card

XXXX XXXX, XXXX : XXXX DOB : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at Capital One in XXXX, XXXX under the account number XXXX, an personal account opened at Capital One in XXXX, XXXX under the account number XXXX, and a collections account opened at XXXX XXXX in XXXX, XXXX with a balance of {$82.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

To Whom It May Concern, I am writing to formally dispute the debt associated with Affirm that has been attributed to me by Jefferson Capital Systems. I categorically deny any liability for this debt, as I have no contractual agreement with Jefferson Capital Systems. 

Despite my previous request for verification, I have not been provided with the original contract that purportedly binds me to this debt. Until such documentation is presented, I maintain that this debt is invalid. 

I expect an immediate cessation of any collection activities related to this matter and the removal of this debt from my records. Should this issue not be resolved promptly, I will have no choice but to escalate this matter to the appropriate regulatory authorities.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I filed a dispute for unknown and inaccurate account that I found on my credit report. Its over 30 Days now and I haven't receive any response. I was a victim of Equifax Data Breach and I demand to Remove immediately those unknown and inaccurate account on my credit report or I will file a litigation.
Product: Checking or savings account

I received a check in the mail issued by Bank of America in the amount of XXXX The letter accompanying the check stated that you will find a check from your Bank of America prepaid card account. I do not have a Bank of America account. I do not have a prepaid card with Bank of America. I did not cash the check because I believe this to be a scam. I checked my credit report and there is no suspicious activity. I tried to report this to the Bank of America fraud division but I could not get through their customer service line to make any kind of report because I dont bank with them. I want to report this check as fraud because I believe it will cause harm to others.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in Wagner v. Trans Union Corp., No.95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I am in shock that I have been a victim of identity theft. I found an account on my credit report by the name of : XXXX opened XX/XX/scrub>XX/XX/2017. 

I have no knowledge of ever signing up for this account. The account was not opened by me at all. Please remove this account from my credit report as soon as possible. Thanks in advance! I have also attached my identity theft report as well.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED, I HAD FRAUDULENT ACCOUNTS ON MY REPORT.PLEASE REMOVE THESE ACCOUNUTS ( INQUIERE ) FROM MY REPORT .THEY ARE HUNTING MY ABILITY TO OBTAIN CREDIT
Product: Credit reporting or other personal consumer reports

I am trying to remove a credit alert from my credit report and the file upload site is not working properly. I followed the steps and guidelines to upload the document and it only gives me error messages. 

I have attempted calling customer service but I am unable to get to a person and I do not see any technical support line to call.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me XXXX XXXX, even affecting my ability to XXXX I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.