23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to ELIMINATE some items from my credit report that transpired because of a FRAUD yet I still have some items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX ; XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence : XXXX XXXXXXXX Balance : {$8500.00} ; XXXX XXXX Balance : {$4200.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1800.00} ; XXXX XXXX Balance : {$2600.00} ; XXXX XXXX Balance : {$3100.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX PA ) XXXX Balance : {$170.00} ; XXXX  Date of inquiry XX/XX/2020 ; XXXX Date of inquiry XX/XX/2020 ; XXXX  Date of inquiry XX/XX/2020 ; XXXX Date of inquiry XX/XX/2020 ; XXXX XXXXXXXX XXXX  XXXX, NC XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX Date of XXXX XX/XX/2020 ; XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$8500.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1800.00} ; XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$2600.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$3100.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1000.00} ; XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$170.00} ; XXXX/XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX  Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX
Product: Checking or savings account

I opened a high-yield savings account at Goldman Sachs after getting my Apple credit card. I had no difficulties transferring money from my XXXX XXXX bank account to Goldman. This account grew to approximately {$160000.00}. There was no email or paper trail of any transferences or balance. Instead, all was stored in the Apple Wallet app. My XXXX broke and I could not log in to my Apple card anymore. I decided to close that card as the lack of any paper trail - even emails- made me very uneasy. I then requested to close my savings account with GS. No problem, they said. They could not transfer the funds back to my XXXX XXXX account- why?? they had no problem when the $ flow was towards them - so they told me to expect a check w/i the next 3-5 office days. The next 2 days I was called by them. The voicemail said to call a certain XXXX XXXX at a number. This number was the main Apple Card support number. I explained the situation, they " checked things out '' and everything seemed ok. Same message the next day, same answer. Today, six days after the closing call, having received no letter or email, I decided to call them. I was put through a Goldman Sachs agent who informed me that nothing had been done as the closure was not confirmed and was under review. I expressed my frustration. I asked to speak to a supervisor. Surprisingly there were " none '' as all had left XXXX minutes ago. And that she could not do anything for me. So now, I'll have to waste another hour to call, explain the situation, and get nowhere. It is clear that they are stalling. And, having zero paper trail, they can just as well tell me I never had an account with them. This stinks of fraudulent activity. And if not nefarious, for sure incompetent. Worse banking experience in my XXXX XXXX
Product: Debt collection

I disputed Enhanced Recovery Collection agency XXXX XXXX XXXX few times and it was removed because I declared it as not authorized transaction. Today I noticed that a company ERC reported : '' XXXX '' reapeard.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that 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 items 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 items : XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX 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 XXXX XXXX I received an alert that a collection account had been posted to my XXXX   account. I went onto my XXXX account to find that a debt collection company called XXXX XXXX aXXXX XXXX XXXX had posted an account for an auto loan I had co signed on a couple years ago. The orig. Lender had posted info as to balance, type and responsibility, But the debt collector gave false information. Listed type as EDUCATIONAL, Responsibility as INDIVIDUAL, Balance XXXX HIGHER than posted the day before from original. This debt collector, to date has not contacted me by any means, so I disputed this information and supplied documents to XXXX XXXX to prove BALANCE, TYPE and RESPONSIBILITY. To my surprise within a couple days XXXX had posted their findings without even receiving the documents I had mailed yet. The finding was " meets FCRA requirements '', case closed. Then along came Experian and disputed with the same outcome. I provided copies from original creditor as well as copies of credit reports showing what original creditor put on credit reports up to the week of the change from original creditor to XXXX XXXX XXXX XXXXto both CRA 's. This collection is totally believed by CRA 's and they can list anything they want to. Due to type of income I have I am worried that this collection agency used EDUCATIONAL as type of loan to try and freeze my bank account. The findings leave me to believe that this collection agency can pretty much lie and its okay.
Product: Debt collection

The debt was paid, I requested that the account be closed to avoid making extra fees. The customer service agent refused to close the account. The balance is incorrect. The creditor has not returned {$100.00} that was that were payments made from my available balance for monthly payments taken for late fees prior to requesting the account closed. The XXXX late payments charged on my account were incorrect, I made payments prior to the due date. I should not have been charged a late fee after closing the account.
Product: Payday loan

Item XXXX ) First, The reason I am filing a Complaint against this XXXX XXXX XXXX is for several reasons. The first is that there are laws in the state of Illinois that preclude and exclude allowing interest rates greater than XXXX %. The interest rates on this loan is very high and some are well above XXXX % to XXXX % regarding this loan. And, this should not be allowed by law. 
Secondly, the rates are staggering and they never check to see if I could afford these loans as there are rules stating that a purchaser should not pay on more than XXXX outstanding payday loans at any XXXX time. And, I have been paying on a total of ( XXXX ) XXXX loans for well over 9 months in succession with much difficulty. 
Thirdly, I not only continue to pay these loans with exorbitant rates and fees. But, the huge charges were destroying our ability to live after deducting well over XXXX % of my take home income for well over 3 months and I have not paid my mortgage since XX/XX/XXXX and XX/XX/XXXX for both the first and second mortgages and I am in jeopardy of foreclosure as of this dateXX/XX/XXXX. 
Lastly, several Companies did not tell me of their extremely high rates they were and some also withdrew from my bank account even though I asked them to STOP future via XXXX Revocation Letters. A Couple withdrew funds directly from my account even after it was Bank closed causing me to incur heavy bank fees per day of even {$50.00} or {$60.00} at certain intervals. This was a very stressful time during months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX causing us to be fragmented and close to homeless situation.
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft and trafficking and because of this my credit and name has been messed up, I have attached a dispute letter.
Product: Debt collection

My roomates and I were told we owed a non-legitimate charge but to have it not affect our credits we got together and paid it off. The debt collector wo n't acknowledge that and continues threatening our credit saying we still owe the debt.
Product: Mortgage

On XXXX XXXX, 2015, we were notified by XXXX XXXX XXXX that after their escrow review our mortgage payment would be decreased from {$2200.00} to {$2000.00} as of XXXX XXXX, 2015. In XXXX, our mortgage was transferred to Carrington Mortgage Services. After not receiving any documents on how to pay your company starting XXXX XXXX, 2015, I called customer service and found out that we would still have to pay the amount of {$2200.00} until a new escrow analysis was run and was told that would take approximately XXXX days. I called today, XXXX XXXX, and was told that the the analysis was completed but our payment would be increased to {$2200.00}. I was told that I would receive the documents in the mail explaining why but wish to address this now. 
Based on my current tax and homeowner 's insurance bills plus the MIP payment, our escrow payment should be {$790.00} a month, which is less than the {$790.00} XXXX XXXX XXXX calculated in XXXX. I have included with this fax copies of our current insurance and tax bills plus the escrow report run by XXXX XXXX XXXX to show how I calculated these amounts. I would like an additional analysis run on our account with the correct information and for us to pay the correct lower amount as told to us by XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I received a credit reporting alert email from my current bank XXXX but actually I read the email on XX/XX/XXXX when I got the 2nd alert. It states I have an account with a past-due balance of {$4700.00} with Bank of America. 
But I don't have any account with Bank of America because last year I called and requested to close the only one credit card I had had. Due to this my credit score went down by around 200 points to poor, so I filed a dispute on XX/XX/XXXX with XXXX. 
Also, I contacted Bank of America Fraud Report phone number the same day XX/XX/XXXX and they confirmed they have no open accounts associated with my social number. 
However, the credit report showing incorrectly there still is an open Bank of America credit card which I never opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is reporting late payments on my account that was not late. 

XXXX Bank XXXX Credit Card
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on Account Dear CFPB, I am filing a formal complaint against Experian regarding inaccurate information on my credit report related to late payments for the following account : Creditor Name : XXXX XXXXXXXX Account Number : XXXX Despite multiple disputes submitted on XX/XX/year> and XX/XX/year>, the inaccuracies remain unresolved. This failure to address the discrepancies constitutes violations of my rights under the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and the Protection Against Non-Payment of Obligations Act ( PAANL ). Below is a detailed account of the errors and discrepancies : Errors and Discrepancies High Balance : {$5700.00} Last Verified : XX/XX/year> Date of Last Activity : XX/XX/year> Balance Owed : {$4500.00} Payment Amount : {$170.00} Credit Limit : {$5500.00} Legal Violations Fair Credit Reporting Act ( FCRA ) : Under 15 USC 1681i, credit reporting agencies are required to ensure the accuracy of the information they report. Despite my disputes, these inaccuracies persist.

15 USC 1681s-2 mandates data furnishers to report accurate information. XXXX XXXXXXXX has failed to provide corrected data despite clear errors. 
Truth in Lending Act ( TILA ) : 15 USC 1666b requires creditors to send periodic statements at least 21 days before the due date. The late payment reporting indicates a potential failure to comply with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the need for timely and accurate billing to prevent unfair penalties. The reported late payments contradict my payment history and harm my creditworthiness unjustly. 
Supporting Evidence I have attached the following documentation to support my claim : Copies of previous dispute letters ( dated XX/XX/year> and XX/XX/year> ). 
Credit reports from Experian showing discrepancies. 
Proof of timely payments for the disputed months. 
Desired Resolution Immediate removal of all inaccurate late payment notations for the months of XXXX and XX/XX/year>. 
Written confirmation of the correction from Experian. 
Failure to resolve this matter promptly will result in further action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and possible legal recourse. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I satisfied the condition of my XXXX  XXXX Bankruptcy and need to be removed from all reporting agencies. Bankruptcy filed on XX/XX/2017. Its been 7 years. I need to XXXX XXXX XXXX and need the most optimal credit score to qualify for private loan money. Also, I was a victim of identity theft.
Product: Debt collection

I was never notified of the debt owed ( {$33.00} ) until it hit my credit report and still have never been contacted by them. This is not okay. Especially not when it involves someone elses credit.
Product: Credit reporting or other personal consumer reports

I don't have any idea about these INQUIRIES. This is purely identity theft. This account damaging my good credit reputation! 

UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX XXXX, XXXX Inquired on XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX  Inquired on XX/XX/year> XXXX XXXX XXXX Inquired on XX/XX/year> I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible.

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Product: Money transfer, virtual currency, or money service

After sending money through zelle to the wrong number, I contactedXX/XX/XXXXXXXX to dispute and they told me there is nothing I could do about it.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX | presume that no proof of the alleged debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXXXXXX XXXX  XXXX Balance {$1200.00}, XXXX XXXX XXXX  XXXX Balance {$730.00}, XXXX XXXXXXXX XXXX XXXX Balance {$4900.00}, XXXX XXXX {$16000.00}, XXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX  XXXX XXXX {$730.00}, XXXX XXXX XXXX XXXXXXXX {$810.00}, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my follow up complaint that I am a victim of erroneous reporting and I submit to dispute these inquiries and inaccurate address in my file resulting from the inaccurate reporting. The inquiries I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of these inquiries in my credit file that resulted from an alleged inaccurate reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries are unknown to me. Also, the information you provided on these inquiries was DELETED from other bureaus and I have doubts about their accuracy and the reported history date on these inquiries are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Mortgage

XXXX XXXX forclosed on my home XX/XX/XXXX. I believe I was fraudlently foreclosed on. It is impossible for me to owe both XXXX XXXX and Ocwen. My loan was orginally serviced by XXXX XXXX. Ocwen purchased XXXX 's assets back inthe end of XX/XX/XXXX. Ocwen reaches out and states they can assit. I enter the SAM Modification and I was still paid my first 2 trial payments and I was still foreclosed on by XXXX XXXX. The paperwork was robo signed and I was cleary done wrong and my rights in general and due process rights were violated. XXXX XXXX has transfered ownership to their name. I have attatched paperwork and court cases which should assit in my explanation. 

The foreclosre is still being reported negatively on my credit reports. This damages my character many other damages that come with that type of negative reporting.
Product: Mortgage

Suntrust Mortgage is now sending out monthly statements to consumers that show balance and payment activity through the XXXX of the month. Any payments they receive between the XXXX and XXXX of the month are not shown as paid on time. As a result, consumers are sent billing advices for the next month which state that a double payment is due when in reality it is not. This practice is deceiving and trying to shorten the grace period of 15 days which the Mortgage Agreement allows for.
Product: Money transfer, virtual currency, or money service

I would like to report a problem about Zelle, mistakenly sent money to the wrong person and I tried my best to call my account and they wouldnt be able to give me a refund so I am still concerned that they are not doing anything to reimburse.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX CARD - XXXX - {$2000.00} XXXX - XXXX - {$800.00} XXXX - XXXX - {$0.00} XXXX  - XXXX - {$1000.00} XXXX - XXXX - {$0.00} XXXX - XXXX - {$0.00} XXXX  - XXXX - {$1800.00} XXXX - XXXX - {$0.00} XXXX - XXXX - {$0.00} XXXX XXXX  XXXX - {$0.00} XXXX XXXX - XXXX - {$0.00} XXXX XXXX - XXXX XXXX {$760.00} XXXX XXXX XXXX - {$1800.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX  XXXX - XXXX - {$750.00} XXXX XXXXXXXX - XXXX - {$1200.00} XXXX XXXXXXXX - XXXX - {$630.00} XXXX  - XXXX - {$0.00} XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Also Known As : XXXX, XXXX, XXXX Current Address ( es XXXX XXXX XXXX THE XXXX XXXX XXXX, GA XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Address XXXX es ) : XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX Previous XXXX ( es ) : XXXX XXXX XXXX XXXX UNIT XXXX XXXX, GA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XXXX Address ( es ) : XXXXXXXX XXXX XXXX XXXX, GA XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX UNIT XXXX XXXX, GA XXXX Previous Address XXXX es ) : XXXX THE XXXX XXXX XXXX, GA XXXX