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

Hi there I had an issue getting my free annual credit report this evening I believe my report is being blocked, held due to discrimination and not only that I never put a credit block in the system on my behalf understand for so long I couldn't understand why I was not able to apply for things without any problems it's because this Credit bureau is purposely going an extra mile to block my report also they're sharing and providing my personal information in a identifying manner to have other citizens impose as if they are me apparently someone tried to stop me from getting an apartment, loans, and openings new things by blocking my credit report I had an issue years ago with this same problem when I lived in another state to where someone / these credit bureau had a credit block in the system I never put in for then I had to write a lot of certified letters to get it unblocked also the online system XXXX XXXX XXXX is not accurate with their tactics to retrieve an online free credit report as it states I never had a problem with getting my report many many years ago until they started targeting certain people I can't move into an apt with a block on my reports I also lose money from companies trying to run my information after I paid a application fee not knowing they are working against me to set me up to pay fee after fee lastly the company is forcing me to send in a request by mail for my hand writing to be mastered used to forge my identity to other claiming to be me it's very inconvenient to be sending in request by mail you have to under am XXXX and it's hard for me XXXX XXXX XXXX XXXX XXXX XXXXXXXX then I have to wait weeks for my report thankyou
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several dispute letters to Equifax and they have not investigated this fraudulent account. Its been removed by both XXXX and XXXX XXXX. Equifax has not began any investigation on this account. It has not been deemed frivolous but its constantly looked over in every dispute ive sent. Ive sent all supporting documentation including a FTC Identity Theft affidavit, an Identity theft police report filed with the XXXX Police Department, and also a letter requesting block or removal.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

On XX/XX/year> I received my credit report and noticed unauthorized accounts being reported to my consumer report. In the past years, my identity has been stolen and used for someone else 's benefit. Recently my information was leaked according to the credit report agency, XXXX. I have a supporting document, a police report affidavit attached to this complaint. I have a right to privacy and my rights are being violated by these unauthorized accounts. 


Delete this 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
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are a result of Identity theft and XXXX! Please take action and remove them from my credit report asap! 

Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX
Product: Debt collection

Heres what transpired, funding was obtained on my credit card to build this business through XXXX XXXX and they were only accepting payments through wire transfer. A law firm, escrowed funds for me and charged me for this service. I sent XXXX XXXX a wire transfer & they went out of business and didnt fulfill any of their services/products. American Express sent me a court summons. 
Again, XXXX XXXX told us they only accept wire transfer. We went through a law firm to escrow the funds. We sent them a wire transfer and they didnt do their jobs. XXXX XXXX did wire fraud which is a felony. I have all the proof : from all the other complaints, XXXX  website, filed a complaint with the XXXX Attorney Generals Office ( online ), filed a police report & the FTC ( Federal Trade Commission ) coming after them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received today an updated XXXX credit report. There is an account that is showing as adverse ... XXXX ... .this account was never paid late back in XX/XX/2013. I have contacted the creditor personally a few times and it has been agreed that the account will be corrected and put on my credit report as a satisfactory account that is paid as agreed. They put the status as paid as agreed but yet listed it as an adverse account which is affecting my credit score. XXXX has corrected the issue as of date. XXXX  will not correct my credit report.
Product: Debt collection

Noticed a collection debt from IC SYSTEM COLLECTIONS, I reached to see where this collection come from. I was told from XXXX ( XXXX XXXX XXXX ), and the one is managing the bills is ( XXXX ). 

I reached to them to request information and they said it was their fault because they sent the bill to the wrong address, I paid the bill ( I didn't see!! ) and they said they will fix the issue. 

In the meantime, I disputed the collection from XXXX  and XXXX. 
The XXXX  credit bureau removed it in 2 days. However, XXXX they didn't, and since I'm submitting dispute after dispute to take it off my credit report but I was unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent account appears on my credit that I do not recognize. The account is : XXXX XXXX XXXX XXXX
Product: Debt collection

I called on XX/XX/23 and spoke to XXXX. I told her this is not my account and that I have been a victim of Identity theft. She gave me the address on file. She even asked who was my employer. She would send out a fraud packet. I submitted the information along with my driver 's license and billing forms to show my address on XX/XX/23 then I got a letter in the mail on XX/XX/23 that they concluded that the information was accurate.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to formally address concerns regarding the management of my account and to request immediate action to resolve ongoing issues. In XX/XX/XXXX, I made two payments toward my loan, which should have fully covered that months obligations. Despite this, I have not received any updates confirming these payments or reflecting them on my account. 

Additionally, I contacted your office in XX/XX/XXXX, to seek clarification on my account status and to address concerns about communication. During that call, I was informed that I had signed a document declining text messages. While this may apply to non-essential communications, it does not negate the agencys responsibility to provide critical updates regarding my account as part of your fiduciary duty. As a loan holder, I rely on timely and accurate account information, which was not provided. 

The agent, a female agent, I spoke with assured me that she would return my phone call to resolve the matter. However, no such follow-up occurred, highlighting a concerning lack of communication and responsiveness on BMG Moneys part. This failure to communicate has left me without the necessary information to manage my account effectively, potentially jeopardizing my financial standing. 

Given these circumstances, I am requesting that my XX/XX/XXXX payments be placed on hold or deferred to the end of the loan term. This adjustment will provide me the flexibility needed to complete XXXX XXXX XXXX XXXX XXXX which I previously informed your office about. It is imperative that the agency recognizes the financial strain this situation has caused and acts accordingly to provide relief. 

Furthermore, I urge BMG Money to improve its communication practices. As a financial institution, it is your obligation to maintain clear and consistent communication with your customers, especially when addressing issues related to loan management. The lack of a callback after my inquiry is unacceptable and must be addressed to prevent similar instances in the future. 

Please confirm receipt of this correspondence and advise on the next steps to resolve these concerns. I trust that BMG Money will address this matter promptly and work with me to reach a fair and equitable resolution. 

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

Filed Chapter 13 on XX/XX/2016. XXXX and has been 7 years. Experian and XXXX continue to publish incorrect information.
Product: Debt collection

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND THIS IS ONE THAT I HAVE BEEN TRYING TO GET REMOVED ASAP FROM SOMEONE USING MY IDENTITY. I NEED THIS DELETED FROM MY CREDIT REPORTS AND BLOCKED FROM POSTING AGAIN
Product: Credit reporting

I was a victim of fraud. I have attached my FTC fraud alert. I have also had accounts re-added to credit report after being deleted. I have XXXX XXXX accounts deleted that were re-added, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. 

I have attached proof these accounts were deleted. 

Item # 1 : I dispute XXXX - XXXX, this account IS MORE THAN 10 YEARS OLD. Please delete. When was this account added to my report? I have attached payoff letter also from 2007. 

Item # 2 : XXXX - XXXX ...., account not mines, please delete. Was removed from credit report once. 

Item # 3 : XXXX XXXX XXXX XXXX XXXX ...., fraudulent account, please delete. 

Item # 4 : XXXX XXXX - XXXX ...., fraudulent account, please delete. 

Item # 5 : XXXX - XXXX ...., this account is duplicated, both should have been deleted. 

Item # 6 : XXXX XXXX - XXXX ...., account on my credit report twice. This account is aid in full not charge off. Proof is enclosed. 

Item # 7 : XXXX XXXX - XXXX ...., fraudulent account, please delete.
Product: Mortgage

I was with a company Called Green Tree Mortgage that wrongfully handled my mortgage on top of denying me over and over again for a modification and also accepting a program that i was approved for called the " The Home Safe of Georgia '' program, that would have been approve for up to 18 months had green tree accepted, allowing my husband and i to get on our feet due to occupation loss. I had the gold seal approval from this company and every thing was ready to go and Green Tree representatives would n't accept it, having me to result to filing bankruptcy to save my home so it would not go into foreclosure. It was n't until another company took over now, 2 years later i am approved for a modification with no problem. Green took extra monies from me that was over paid they have me up side down now in my home and now i am really just paying rent seems like until i can find my way. The representatives that worked for this company gave me the run around i sent inn documents over and over again whether it was through certified mail or fax with a conformation report, sending inn enormous amounts of documentations for them to say they did n't get it and the time period for the modification had expired. They made me and my family of trying to keep my home modified after my husband lost his job XXXX. My husband is a retired vet so that made us qualify for " Home safe of Georgia and they would not accept it made excuses like it was too late. Even Green Tree attorney at the time contacted them inference to accepting the program to keep from allowing my home to go into foreclosure and they would n't accept the program which was one of the programs they were known to work with, so the day before my home would have been sold i had to file bankruptcy. This company has wrongfully service individuals and have gotten away with it. My husband and i have lost a lot of money with this Mortage Company and almost lost our home that we both worked hard for. I need you all to please investigate my mortgage during the time it was under them and i am asking that i received every penny that i paid extra that should n't have been a fee and also for the pain and frustration this company took me through. Green Tree Mortgage which was a finance company should n't have had the power to do what they did to people. Also the employees who they had working showed no compassion for people they were rude and ignorant and down right disrespectful also the ones over them because the problem was n't corrected after complaining.
Product: Credit card or prepaid card

During the COVID-19 pandemic there have clearly been increases in online purchases particularly amazon.com. I have been granted a low limit secured credit card which has remained in good standing since inception which is well over 6 months is not a year. However, this low limit has forced me to make multiple payments toward the account and regardless which method of payment is used by me toward the secured amazon.com store card a hold of funds is ALWAYS placed. I have used secured electronic bill-pay through my bank 's online banking service which no other credit lender holds, yet Synchrony fail to see even this form of payment as non-guaranteed. I can understand by Walmart made the business decision to leave this bank as their store card provider. 

In the past, without exception Synchrony customer service has been able to release the payment hold. I am assuming the fact that I continue to use to the same payment method directly via their website using my bank 's ACH information and no returned payment history have allowed this " policy '' exception. I have never had to ask for a payment 's funds be requested until recently with the coronavirus situation and forced increased online purchasing.

Most recently, I had to make another call to Synchrony and ask for another payment hold be released but this request was  declined without reason. Even after attempting escalation with a " supervisor, '' the request was still declined. I was put in a compromising financial position due to these factors and my life was potentially in danger based on the purchase required. It feels unfair and deceptive to cardholders that there are no clear terms set with regards to potential payment holds and how to avoid them.
Product: Bank account or service

Summary : Unable to access my accounts online as of XXXX at XXXX, through XXXX app, mobile website, or desktop website. 

On XXXX, I made a total of XXXX phone calls to Wells Fargo, XXXX to customer service XXXX, and XXXX to XXXX, which is supposed to be the online banking department. 
responses ranged from the automated system hanging up on me, to a supervisor hanging up on me after asking the same question repeatedly, even though I answered the question multiple times. 

I was able to determine that my accounts are active, but I am not able to access my accounts online.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX ( credit card ) XXXX XXXX XXXX ATTN CUSTOMER SUPPORT XXXX XXXX, CA XXXX USA The above credit card company has me listed as a joint account holder of an account that I have not authorized myself to be on. I have tried for over a year to be removed. I have tried contacting the above company to no avail. You have to have a credit card number to access their system. I DO NOT, nor have I ever been issued or asked for a credit credit card from this merchant. I am looking for a way for them to compensate me for falsely reporting reporting on my credit report period. I have tirelessly disputed with the credit bureaus as well to the point they are denying my request to dispute this debtor. Thats why I have turned to you. The bureaus ( XXXX XXXX, experian, XXXX ) will have a paper trail of my disputes. Please help me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, California XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report. 
XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Product: Credit reporting or other personal consumer reports

Amex closed my account yet its still reporting late payments and balances.with the federal law 15 usc 1681 i was promised accuracy in my report .since this information cant be validated or verified.I want that information about balances and late payments be removed according.also based on FCRA law my information was exposed in a data breach as a result of this reporting on my credit that was done without my permission
Product: Mortgage

Since XX/XX/XXXX I have tried to dispute this through the credit bureau 's but of course it was " verified as accurate '' although no one will admit to it or provide any documentation. 

XX/XX/XXXX I received a response to my request to have 3 late payments ( XXXX, XXXX & XX/XX/XXXX ) removed from my 3 credit reports ( SEE ATTACHMENT 1 ) from my Freedom Mortgage Loan. I stated that I did not receive my statements in the mail and therefore fell behind as I did not realize the missed payment until I received the next statement and paid in full ( 2 months ). 

On XX/XX/XXXX I also received an email apologizing for allowing a solicitation email that I have opted out of sent to me by them ( see attachment # 2 ). This also shows they can not manage their internal systems properly with notifications. 

XX/XX/XXXX I called XXXX Spoke with XXXX # XXXX who informed me a response letter was sent dated XX/XX/XXXX that I have yet to receive ( as of XX/XX/XXXX ), which further proves either the items are not actually being mailed or they are not getting her for some reason. 

The XX/XX/XXXX was faxed to me by XXXX at Freedom and states they are unable to honor my request despite the fact I am not receiving statements and letters from them ( see attachment # 3 ) XX/XX/XXXX I called and informed XXXX ID # XXXX, XXXX ID # XXXX, XXXX ID XXXX XXXX & XXXX - customer relations division, them under XXXX Periodic statements for residential mortgage loans, they are required to send statements but they refused to remove them or to let me speak to a manger. They all just suddenly kept asking if I was still occupying the property but refused to escalate or have this open dispute looked into for an update other than the due date of XX/XX/XXXX which is too late for me to be approved for my new mortgage. 

XX/XX/XXXX Since no one would help me or let me speak to a manager, I sent an email to the CEO and other execs asking for a courtesy adjustment but I have not received a response other than an out of office from Mr. XXXX 's ( see attachment 4 & 5 ).
Product: Money transfer, virtual currency, or money service

Paid {$44.00} through PayPal on XX/XX/23 and the person I sent it to turned out to be a scammer. On XX/XX/23 They asked for more money when I told them no they tried to scam me again. Told them to refund my money and they blocked me.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transaction were authorized, I charged fees due to lagged posting of charges and credit. This issue aligns with the recent CFFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

Subject : Notice of Dispute - MIDLAND FUND To Whom It May Concern, I am writing to express my profound dissatisfaction and apprehension regarding the handling of the account MIDLAND FUND on my credit report. Upon thorough review, it has become apparent that there are multiple egregious breaches of the Fair Credit Reporting Act ( FCRA ) associated with this account. Therefore, I am urgently requesting immediate action to address and rectify these issues. 

Specifically, I am formally demanding a comprehensive debt validation process, inclusive of the following particulars : Original Contract : Furnish a complete copy of the original contract between the purported creditor and myself concerning the account MIDLAND FUND. 

Original Creditor : Clearly disclose the name and pertinent contact details of the original creditor linked to this account. 

Original Open Date : Provide precise documentation regarding the establishment date of the account MIDLAND FUND. 

Date of Last Payment : Specify the exact date of the last payment attributed to this account. 

Date Account Was Closed : Clearly indicate the official closure date of the account MIDLAND FUND. 

Fully cognizant of my rights under the FCRA, it is evident that XXXX has failed in its duty to ensure the accuracy and validity of the information it reports. I insist upon a prompt and diligent response to address and resolve this matter. 

Failure to adhere to this request within [ 15 days ] from the date of this correspondence will leave me no choice but to pursue legal recourse to enforce my rights under the FCRA. Please regard this as formal notice of my intent to proceed accordingly. 

I anticipate a timely response, accompanied by the requested documentation, to be submitted through the CFPB portal. Furthermore, I request that any necessary corrections to my credit report be promptly implemented.