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

I applied for a loan consolidation of my XXXX  loans that was approved and consolidated in XX/XX/XXXX, during that process they were also transferred or sold to XXXX XXXX. I applied for the XXXX XXXX XXXX that was also approved in XXXX of XXXX. I reached out to XXXX and they stated it would take some time to update and be deleted from my report. I received an email from them in XXXX, I received a letter from them in the mail XXXX XXXX stating my loans were XXXX percent XXXX and would be removed from my credit report within XXXX days. I reached out to the company again and spoke with someone who stated her name is XXXX, I asked her why is my loans showing a balance XXXX  from what I originally owed in XXXX loans which is XXXX now your records shows over XXXX. I noticed they were showing my XXXX  loans before they were consolidated as well as the consolidated loans. She only kept stating it takes longer to discharge consolidated loans. I was put on hold XXXX  times just to keep getting told the same thing over and over it takes time. But according to the letter it stated XXXX days which is basically false information. Now my credit report is showing as if I owe on XXXX  loans that should be removed by now. Ive attached a document showing when my loan was with the XXXX  servicer as XXXX it was transferred to XXXX in the amount of XXXX but they are telling me I have a balance of XXXX and they XXXX some other loans and removed them from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a personal loan out through XXXX XXXX XXXX. My car was used as collateral in the loan and XXXX XXXX XXXX bought out my loan I originally had with XXXX XXXX. In XXXX of 2022, I had a car accident and totaled my car that was connected to the loan. XXXX XXXX XXXX had trouble getting my title and would not provide a letter of guarantee for the loan to be paid by insurance. XXXX XXXX XXXX was aware of the total loss accident and still reported my payments for the car delinquent for the months of XXXX, XXXX, And XXXX. The payments were not delinquent as I waited on the pending insurance claim. I have discussed this issue with XXXX XXXX XXXX with no results. I disputed the problem through the credit bureaus but still no resolution. XXXX XXXX XXXX collections kept contacting me after I have noted that the there was a pending insurance claim. 
The account was finally settled with XXXX XXXX XXXX with a payment of {$8400.00} in XXXX 2022. XXXX XXXX XXXX updated the balance on my credit report, however the balance is incorrect. XXXX XXXX XXXX also has not updated the account to be settled on my credit report. I am unable to get a vehicle with these negative remarks on my credit. I need this to be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

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 a account without my written instructions
Product: Credit card

XXXX credit card wouldn't provide a way for me to review my statements, purchases, create a login, or contest any fees or interest. After several phone calls, they finally sent statements to me. I agreed verbally to pay the amounts for purchases and the interest on the related statements. They said that they would waive the fees and interest accumulated on the fees once they received payment. I sent the check several months ago. They are now sending a regular statement that only has those fees with compounding interest. I specifically wrote on the check that cashing the check constituted acceptance as final payment. I sent the check, which has been cashed, to their corporate office via priority mail. The card has been closed for about a year. They continue their collections attempts. It's harassment. I never would have accrued those fees or interest had they simply sent me statements. The collections reps were very aggressive and manipulative. They were pressing me to " just pay and make it go away ''. 
I have the bank image of the cancelled check and the usps tracking number.
Product: Debt collection

I received a debt collection letter from you. 
Do you have the right person? 
Can you supply me with a contract or agreement signed with your company or the Creditor? 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. 
Thank you for your immediate cooperation.
Product: Credit card or prepaid card

I applied for   XXXX   XXXX   XXXX   XXXX   XXXX   in    XXXX . The ref number is  XXXX . I applied for the credit card while I was in  XXXX .
I received a letter stating the IP address in which I applied from is under U.S Economic Sanctions.   XXXX   is not under any sanctions by the U.S government, thus this is an invalid argument from Chase Bank. Chase denied my application so I called in to ask for a review on my application but Chase still denied by stating they do n't do business in  XXXX . However, Chase does do business in   XXXX    based on the information on   XXXX   and Chase 's website.
Product: Mortgage

I applied for a refinance of my mortgage with Bank of America on XX/XX/2021. As of XX/XX/2021, more than 60 days have passed since my application date and they have not issued me a credit decision yet. After they charged me {$1200.00} for a credit report fee and appraisal fee ( which seems suspiciously high ), they are unable to deliver me a credit decision to know where I stand with them. I have emailed two of their managers - XXXX XXXX and XXXX XXXX ; they have both been unresponsive to my inquiry and status of my loan. This is a clear RESPA and Equal Credit Opportunity Act violation. 

I am providing you with copies of my initial disclosures to document the application date and provide you with the loan number to reference.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : 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 For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

This is a formal request for a block or Deletion of XXXX   XXXX  XXXX ( CHECK INTO CASH ) according to Section code 605 Block of information resulting from identity theft ( 15 U.S.C.1 681 c-2 ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than ( 4 ) days business days after the date of receipt by such agency of :
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. 

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 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

Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX. According to my records, a late payment was reported for my account number : XXXX Date late payments : XXXX XXXX This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. Therefore, I request that you immediately remove the reference to the XXXX XXXX late payment from my credit report. I further request that you notify the credit bureaus ( transunion XXXX ) I appreciate your prompt attention to this matter. Sincerely,
Product: Debt collection

XXXX. XXXX XXXX XXXX ( Requesting to remove this Unauthorized and unverified Derogatory/ collection account. ) This account is involved in litigation. ( Violation ) XXXX -Status : COLLECTION ( Inaccurate reporting/Unauthorized ) - {$850.00} -Balance updated : XX/XX/XXXX ( inaccurate ) ( This is not my account ) Reporting late payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) This account is inaccurate/ Unauthorized and also unverified. REMOVE 2. XXXX XXXX ( Requesting to remove this Unauthorized and unverified Derogatory/ collection account. ) This account is involved in litigation. ( Violation ) -Open : XX/XX/XXXX -Status : collection ( Inaccurate reporting/Unauthorized ) - {$600.00} Update this account to be removed and deleted immediately.

Please respect my consumer laws and honor the changes that are inaccurate and update my report or this is considered a VIOLATION. REMOVE/ DELETE, Pursuant to 18 USC 8, Owe no debt. This company is violating my consumer rights to privacy pursuant to 15 usc 1681b 2. These companies also have NO permission to report ANYTHING using my info pursuant to 15 usc 1681 4. If this item doesn't show delete/ Remove this will be considered as a VIOLATION under 15 usc 1681s-2.

3. Unauthorized inquiries that were violating my report due to no consent given/ I did NOT GIVE NON OF THESE COMPANIES PERMISSION TO PULL MY REPORT. Please remove it immediately. 
- XXXX XX/XX/XXXX ( NO CONSENT ) -XXXX XXXX XX/XX/XXXX ( NO CONSENT ) -XXXX, XXXX XX/XX/XXXX ( NO CONSENT ) -XXXX  XX/XX/XXXX ( NO CONSENT ) -XXXX XXXX XX/XX/XXXX ( NO CONSENT ) These companies all violate my rights 15 usc 1681s-2
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX  : ACCT # XXXX, XXXX XXXX PHY : ACCT # XXXX, XXXX XXXX XXXX : ACCT # XXXX, XXXX : ACCT # 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 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 ante
dates 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: Checking or savings account

On XX/XX/2020, in response to a solicitation from Citbank, I opened a Citi Miles Ahead Savings Account with a deposit of {$200000.00}. The offer presented stated that I would receive XXXX XXXX XXXX frequent flyer miles after I maintained this balance for 90 days. Obviously much more time that that has gone by, but the miles have not been issued to me. 

I attempted to discuss this on multiple occasions with the bank 's customer service team by phone. Each time, I either received a runaround, misinformation or instructions to call another number or to call XXXX XXXX directly. The last two times I was simply cut off. No one has given me a straight answer, nor advised me why these miles have not been awarded. 

Citibank has no method of communicating by email. I sent them a letter to their client service center in XXXX XXXX outlining the situation on XX/XX/XXXX, but received no response. 

I don't want to withdraw the money because I'm afraid they won't issue the miles to me, but the bank has had {$200000.00} of my money for over 5 months and I don't know what to do.
Product: Credit card or prepaid card

Walmart MasterCard, through XXXX XXXX, put me on paperless billing on a 'trial basis ' for one month, without my permission or agreement and I was unable to find the place on their website to opt-out of the trial. When I missed my monthly payment date, they not only charged me interest, they also charged me a late fee. I always pay my account in full every month and having them do this without my permission was very very upsetting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted equifax XXXX and XXXX and sent them my identity information to verify it was me and to have them remove the incorrect addresses off of my report, the incorrect names, the inquires several times and they did not. I told them I didnt authorize anyone to run my credit, and they did not ask for my permission to put these accounts and addresses and inquiries on my report. And I also told them that under 15 USC 1681a ( 3 ) they assumed this role without my permission and they did not respect my right to privacy. They never did anything to fix these problems.
Product: Checking or savings account

I could not do a bank-to-bank transfer for over a limit of {$14000.00}. I filed an additional online payment of {$2000.00} for a check to go the vendor. After 2 weeks of nothing happening I called and was told the check was " suspended ''. I did a {$2000.00} transfer then to complete my payment to the vendor. The vendor later received the check, voided it, and returned it to me. On XX/XX/XXXX I filed an online cancellation of the {$2000.00} check. I had a {$37.00} fee charged to my checking account for this. It is now XX/XX/XXXX and they still have not refunded the check. I have sent repeated messages. The one response said they wait up to 48 hours to refund. It has now been 18 days. 

In summary, I just want my money back. This is such obvious fraud I can't believe they are actually doing this.
Product: Credit reporting or other personal consumer reports

TransUnion confirmed that these accounts are not mine. And have yet to delete them from my report. It is causing me unfair credit issues and is against my rights. 
I have spent hours on the phone with no one able to help me. This is crazy. Please have them remove/ delete the collection accounts on my report ASAP. 
They are : XXXX XXXX XXXX XXXX XXXX ( reporting twice, 2 separate amounts ). 

Thank you.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting XXXX  account # XXXX, Has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to Privacy. 15U.S.C 1681 section 604 A section 2 : IT also states a consumer reporting agency can not furnisha account without my written instructions.
Product: Vehicle loan or lease

As of XX/XX/XXXX Ally Financial stated that I have only paid {$3000.00} however they state I have made XX/XX/XXXX payments on my loan. My regular monthly payment is {$400.00} and I was told by a representative every dollar I have ever paid since XX/XX/XXXX has all gone towards interest. Please note my aftermarket product GAP insurance expired on XX/XX/XXXX. I did not cancel this policy, so no credit will be paid. I want to clear up the current outstanding balance, any payment variance, and the total amount of fees assessed during the life of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed several items on my credit that I didn't recognize nor did I apply for. I need these items to be removed from credit immediately. They are messing up my credit and my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending numerous sets of letters to Experian so the excuse of we didn't get it '' doesn't happen but then nothing happened. It seems that they tend to ignore the trend and let these fraud accounts affect my credit score. They are bound to comply with the FCRA regulation section 605b but I think they are inattentive about this matter. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : 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 card

I am disputing the collection account with SYNCHRONY BANK account number XXXX dated XX/XX/year>, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that SYNCHRONY BANK, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Debt collection

I switched cell phone carriers from XXXX to XXXX XXXX XXXX. XXXX XXXX XXXX vowed to pay for my phone services with XXXX but XXXX XXXX XXXX never paid for the phones I had and the services prior to moving over to XXXX XXXX XXXX. This has left a bill that I never new I had to pay. This is not right and should not be legal. They claim I owe {$1900.00} which again I was told I would not owe anything from switching over to XXXX XXXX XXXX. 

AMSHER COLLECTION SERV Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX, ALXXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally demand the immediate removal of inaccurate information currently reflected on my credit report, despite prior notifications indicating that these entries were removed. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are legally obligated to report only accurate and verifiable information. The Federal Trade Commission ( FTC ) has emphasized that credit bureaus are required to ensure 100 % accuracy in their reporting. 

According to recent updates on my credit report dated between XX/XX/year>, and XX/XX/year>, it was confirmed that the following entries were removed : Account : CHILD SUPPORT XXXX VA Inquiries : XXXX XXXX and XXXX Card Services However, I have observed that this information is still being reported on my credit report. This constitutes a clear violation of FCRA provisions, specifically regarding accuracy and the timely removal of closed or disputed accounts. In addition to damaging my credit score and personal financial standing, this repeated inaccuracy subjects your organization to potential legal liabilities under consumer protection laws.

I demand that you : 1. Immediately remove the aforementioned inaccurate entries from my credit report, as previously indicated.

2. Provide written confirmation of the removal within 15 business days from the date of receipt of this letter. 
3. Conduct an internal investigation to prevent further inaccuracies and report back on measures taken to ensure compliance with federal requirements. 

Should you fail to comply within this period, I will have no alternative but to escalate this matter to the Federal Trade Commission and consider legal actions to enforce my rights under FCRA. Please treat this letter as formal notice of potential legal action if the issue is not promptly resolved. 

I appreciate your immediate attention to this serious matter and await your written confirmation of the corrective actions taken. 

Sincerely