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

I would like to dispute off the following inaccurate accounts from my credit report. 


Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

In XX/XX/XXXX and XXXX 2017 I charged food at three restaurants inside two casinos in Michigan. I used my Chase bank AARP Visa card for the charges. My statement indicated I was charged XXXX dollars transaction fee for each charge. When I called Chase for an explanation, the Chase representative informed me that any charges which come from a casino whether from an American or XXXX casino, if they are coded as coming from a casino, are charged a 3 % fee with a minimum charge of {$10.00}. I would like to know if these fees are legal. Of course, I will no longer be using Chase credit cards at casinos as my other credit card has never charged me a fee for this. The Chase representative informed me they have no way to remove these fees.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX 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 XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX  XXXX XXXX As required by XXXX U.S.C XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i XXXX request an extension of the block. During the block, you XXXX not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION 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: Mortgage

My mortgage with XXXX XXXX XXXX XXXX was transferred to Shellpoint Mortgage Servicing ( a division of Newrez LLC ) and I received a letter from Shellpoint dated XX/XX/XXXX advising that they were now going to collect the loan payments on my loan number XXXX I have been continually incorrectly charged fees for lack of insurance which I have proved to Shellpoint on numerous occasions that there is insurance on the condo. 
They charge an HUGE fee ( {$670.00} ) for late payments on the monthly payment of {$2600.00} - I can not believe that this can be legal? 
The final tipping point for me was when I received a very aggressive phone call on XX/XX/XXXX from a guy at Shellpoint ( XXXX XXXX ) where he informed me that the mortgage was now in foreclosure and unless I paid immediately a sum in excess of {$8500.00} I would lose my condo. 
He then sent me an email with a " XXXX XXXX ''. 
I would point out that I was only in arrears for XXXX. 
He also said that there were " legal fees '' in excess of {$1000.00} to pay. 
I can not believe that this is legal. 
I wish to make the strongest complaint to Newrez LLC
Product: Checking or savings account

I submitted everything chime asked for they closed my acocount instead of seeing why my funds was tooken when they emailed me about a chip issue a years later they dont wan na return my funds they closed my account when I asked for my money for the XXXX years a years and some months later they just keep lying and now they say they cant help me
Product: Debt collection

In XX/XX/XXXX This company listed that i owed them {$550.00} on my credit report. I received no prior letter or information of this debt. After seeing this debt on the account I sent them 2 letters to verify this debt, one in XX/XX/XXXXand 1 inXX/XX/XXXX and have yet to receive a response. I looked them up on sun biz in my local state ( Florida ) and was not able to find any information on them, they are not even licensed to collect debt in the state of Florida, I looked under names, their address listed and dba 's and could find nothing on them. Calls to the number on my credit report go unanswered, i have had no correspondence with this company at all.
Product: Checking or savings account

I had an account with Simple, which was recently closed and merged with XXXX. The merge happened yesterday XXXX Saturday XXXX ) and since then XXXX today is XXXX ), for two days now, I have been locked out of my checking and savings account completely, with no access to my money, and no way to check balance, make or receive payments, etc. I have followed the instructions on the website pertaining to creating a XXXX account online, which resulted in my being locked out of my account. After calling the customer service number, the customer service representative immediately hung up on me. My husband, who shared a joint account with me, called multiple times and was hung up on each time ; several times the customer service representative claimed not to hear him before hanging up. XXXX announced that they were opening customer service lines today ( XXXX ) to account for all of the Simple customers who are not able to access their accounts or get the help they need to do so, but neither I, my husband, or anyone else I know of has been able to get real help. We have no way to access our money, and no means of doing so. This is unacceptable.
Product: Debt collection

There is a company on my credit report stating I owe a debt. It has no name and no lender information. I have no received anything via mail or phone about this debt and I am disputing to get it removed off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX  XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX, XXXX XXXX Balance : {$150.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$880.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$230.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I have called the mortgage on the request for verbal or written authorization for the HARD inquiry taken effect on XX/XX/2022. ( I was not aware this was done without my approval ). 

The other other are inaccuracies reflecting in my report which I send all 3 credit bureaus to make the correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

On numerous occasions ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) I have disputed accounts on my credit report that does not belong to me. Explaining I never had an account with these companies and ask for proof to show from their investigation the reason it is reporting. Something I have never received they only continue to update how long it will remain. XXXX and XXXX XXXX are the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute several times on these accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$270.00}, XXXX XXXX Balance : {$990.00}, XXXX XXXX Balance : {$480.00}, XXXX XXXXXXXX Balance : {$660.00}, XXXX XXXX Balance : {$200.00}, XXXX XXXXXXXX Balance : {$180.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 5 hard Inquiries on my account that I am no aware of. 
I tried contacting the merchants with no success. 

Macys/citibank, N.A XXXX XXXX Citibank XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Citibank na/thd XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX
Product: Bank account or service

Bank of America charged XXXX overdraft fees on my account and my account did not reach a negative balance. I called customer service and they explained that the information online was incorrect and certain items, though showing as processing, were actually paid. I made the necessary deposit to bring my account to a positive balance prior to the end of the business day and the overdraft has not been refunded. Based on the online information, the transactions were still processing and I made the necessary deposit prior to the close of business. This is not the first time Bank of America has tried to steal our money and I want to make sure the CFPB is aware and does something to stop this. I have accounts with other banks and this never happens. I am transitioning away from Bank of America, but they just keep stealing my money ( every month ). I have attached screenshots as evidence and am willing to contact additional branches of the government to ensure that all Bank of America customers are aware of this scheme and appropriately prosecuted.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. I am writing to formally dispute inaccurate information that appears on my credit report, as provided by your agency. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information on my credit report that I believe to be inaccurate or incomplete. 

The item I am disputing is listed as follows : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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  I request that the disputed item be investigated and removed or corrected as soon as possible. Additionally, please provide written confirmation of your investigation and the outcome. If the investigation does not resolve the dispute, I request that my credit report include a statement of the dispute. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit card or prepaid card

I, XXXX XXXX, in good faith, according to the Consumer Credit Protection Act was exercising my rights when I came to you to extend my credit by filling out a credit application on XX/XX/2022, the result being I was denied and discriminated against. This action has caused harm to my personal, family and household purposes 1002.2 ( 3 ) ( h ). 
If you, OppLoans adhere and abide by the rules of ECOA, you should be aware that you are in violation of federal law pursuant to The Equal Credit Opportunity Act and The Consumer Credit Protection Act for denying me my own credit. Your company has discriminated against me by not extending my credit that I legally have the right to. I have been treated less favorably than other applicants pursuant to 1002.2 ( 3 ) ( n ). You should be aware that your reasons for denial and discrimination per ECOA are unlawful and illegal. 
I am aware that you, OppLoans, are liable for failing to comply with federal law. Pursuant to 12 CFR1002.16 ( b ) ( 1 ), it states that any creditor that fails to comply with a requirement imposed by the Act or this part is subject to civil liability for actual and punitive damages in individual or class actions. Pursuant to sections 702 ( g ) and 704 ( b ), ( c ), and ( d ) of the Act, violations of the Act or this part also constitute violations of other Federal laws. Liability for punitive damages can apply only to nongovernmental entities and is limited to {$10000.00} in individual actions and the lesser of {$500000.00} or 1 percent of the creditors net worth in class actions.
Product: Vehicle loan or lease

XX/XX/XXXX  I changed m y Lease payment due date to  XX/XX/XXXX  and was billed an additional {$160.00} for this change. Ever since t his change my due date has never changed and my account has shown in arrears every year around the same time. I have contacted  MBFS eac h time the payment shows additional fees and after several phone calls, and several weeks later - the solution is resolved and the charges are reversed from our account. I am guaranteed this issue has been corrected and will not be a problem in the future. The following year around the same time. The same thing happens again. Charges and fees are added to our account and it takes multiple calls, and weeks to resolve. Again we receive a guarantee it will not occur. Last month the charges appeared on our account again for the additional fees. We contacted MBFS and have not received a response as of this message. Our  Lease en ds XX/XX/XXXX  and we will NOT be purchasing another  Mercedes Benz.
Product: Debt collection

I do not even know who these people are or who they are working for. They have been calling via robocalls for a year or more every day and some times more than once. What little I know is that they say they are debt collectors trying to collect a mortgage debt. We haven't had a mortgage for more than ten years and it has been paid off for more than ten years. I asked them to stop calling but all they want is more information about us. I believe they are some kind of scam artists. 

They say to contact them at SLS.NET on the internet or call a telephone number. What they are after as far as I can tell is more information from me. 

Their phone number is XXXX XXXX XXXX XXXX XXXX They haven't sent us anything or told us anything about what they imagine we owe or who we owe it to. They just have been harassing us VIA robocall every day and sometimes more than once for more than a year.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX  Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried ordering my free annual credit report from XXXX for all of three credit rating agencies of USA on  XX/XX/XXXX via XXXX Post registered post tracking number : XXXX using annual credit report request form to the specified address for XXXX, XXXX. I have NOT heard till date. Upon calling annual credit report agency XXXX today ( XX/XX/XXXX ) I have faced similar problem that due to international address I could NOT order the report in right manner for a sure delivery in XXXX. I understand that it is highly unlikely report will be mailed outside USA but it will be okay for me to get an electronic copy emailed to my personal email address : XXXX as a pdf document with specified password for secure transfer and access. I was helped to follow this procedure by customer service representative on XXXX. I have TO ORDER this report as I am maintaining lawful US tax resident status and critical personal financial investments to safeguard to best of my means. So this is the best and only way used highly sparingly. Kindly oblige immediately and provide me my credit report from all three agencies. Sincere thanks in anticipation - XXXX XXXX XXXX ( First Middle Last name )
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

USDOE/XXXX XXXX {$5800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i have inquiries on my report i didn't authorize and i have sent in my police report showing my identity been compromise. and they won't remove them. XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

incorrect information defamation of my credit historyXXXX XXXX  60 days late fcra violation see attach police report
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law XXXX, title XXXX, XXXX Stat. XXXX ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )
Product: Credit card

It is my belief that this credit card application I have signed and denied from is against the law.

Under equal credit opportunity act, the creditor may not deny an application for credit without giving specific reasons that were the basis for denial of this application.

At this time, I have received numerous response, but none answering my request for specific information regarding the basis for denial.

I provided VALUABLE COLLATERAL in exchange for this credit card and have received nothing in return.
Product: Credit reporting or other personal consumer reports

I have reached out to all three credit bureau companies in regards to wrong information which has effected my ability to obtain credit and asked incorrect information to be removed but I see it wasnt resolved and still showing up on my credit without correction. 
I have asked for leader to provide written document with my full name signature indicating or prove when account year month and date when this account was opened also provide correct and proper living address at the time account was opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.