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

You are reporting inaccurate information in my credit report. Please investigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts included below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a dispute letter to TransUnion. They mailed me a letter suggesting I didnt mail it. I personally mailed and certified my dispute letter. I have the tracking receipt to prove it. Please contact TransUnion to confirm I sent this letter
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/year>, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase account to a fraudulent investment firm.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am displeased by this oversight and urge you to address and rectify all inaccuracies in your records promptly. I request that immediate action be taken to restore my credit profile 's integrity and accuracy without delay. Additionally, I ask that you eliminate any employers and phone numbers associated with my credit report. According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of incorrect and outdated personal information on my credit report. The inaccurate data reported negatively impacts my creditworthiness and violates my rights under federal law. Delete this from my personal credit report now! 

Listed below are the Personal Information that are being challenged : Incorrect Name : - XXXX XXXX XXXX Employer - XXXX XXXX Incorrect Name : - XXXX XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX Previous Address : - XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX, PR XXXX Incorrect XXXX : - XXXX Incorrect Current Address : - XXXX XXXX XXXX, XXXX, TX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or 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: Student loan

I attended Florida XXXX XXXX - XXXX. In XXXX, FL. 
I graduated and always make my monthly payments. This is a private loan provided by the school. I was looking at the statements of my payments recently and found that the amount of interest charged is different for every payment. Example. For three months I paid XXXX which was the min. Payment amount while I was in school. One month the amount that went to interest was XXXX only XXXX for principal balance. Every month it differs. The interest rate on my account is 11.5 %. Every month they charge different interest. The website they use is XXXX Universal Account Servicing
Product: Credit reporting

My reports shows judgement it 's not mine I have been disputing for several months but still on XXXX credit bureau also I did offer in compromise with irs and paid settlement in my reports showing judgement from irs collection when I settled with irs I need my reports corrected asap please
Product: Student loan

My payment of {$190.00} was posted to my bank account XX/XX/2018 and sent to Navient. However, there is no record of my payment on my account. A Navient representative told me that I didnt pay in the month of XX/XX/2018, but that is a lie. My bank statement and bank representative confirms my payment. What a shame that Navient would steal my payment. A Navient representative told me that they cant help me. I have filed a complaint with my bank. Also, my new loan servicer informed me that Navient did NOT send them any payment for XXXX, although I made this payment to Navient. I had to pay my XXXX bill a second time!
Product: Mortgage

I've been off work for over a year with serious health issues and unable to work. 
Recently XX/XX/2019 I was diagnosed with additional health issue that has caused me to be to under Doctor care and having a series of test to determine the cause of my recent health issues. I'm XXXX and receive XXXX. I've requested mortgage assistance with Chase Mortgage with my mortgage. I recently was forced to file Bankruptcy to stop the property foreclosure sale of my home. They have been unwilling to assist me Please! Please! Please Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA, XXXX XXXX To Whom it may concern, I recently challenged the validity of all inaccurate account thats being reported on my most recent credit report. Upon challenging this, XXXX you did not deleted the accounts based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these account with your company you have verified these same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, I am requesting the information you used to verify these account in writing. Including Original contract with my original signature, creditors information and original address, payment history of accounts and proof of ownership of all debt. If such documents can not be produced DELETE this account from my credit report immediately. If not I will be taking further actions!. 

I am attaching my ID Best Regards,
Product: Debt collection

A XXXX XXXX left voice mail threating collection action for non-exsistent debt. A call back indicated debt was of a XXXX XXXX ( Sp unknown ) Call back indicated company was Direct Recovery Services.  Note we do not have any idea who this XXXX is.
Product: Checking or savings account

On Sunday XX/XX/XXXX at approximately XXXX EST I made a deposit of {$4700.00} dollars into my Capital One checking account. It was XXXX XXXX dollar bills and XXXX XXXX dollar bills for a total of {$4700.00} dollars. I inserted the money into the ATM like usual and then an error popped up on the screen saying they were having trouble processing the transaction. After that the ATM prompted me to take my card back and another message popped up saying " have a good day ''. I never received any receipt for this transaction and the ATM never returned my money I put in. I made sure to not go anywhere and quickly contacted Capital One support to make a claim so I could have some sort of record of what happened. Unfortunately it was a Sunday and the bank was closed so there was no bank manager I could contact about the situation. If the bank checks the ATM they will clearly see there is {$4700.00} dollars too much in the ATM. I wasn't able to take any videos or pictures of the messages because it all happened so fast. Long story short I put {$4700.00} dollars in the ATM and my transaction wasn't processed and my money wasn't returned.
Product: Credit card

I filed an Federal Trade Commission report and affidavit and police report of being a victim of identity theft, and all bureau 's except for XXXX blocked the concerning information. Fifth Third Bank continues to report on my credit report, although it was not reporting at one point. I do believe my attorney stated once something is removed it is illegal for it to be put back on, well it 's been put back on and I am tired of fighting with this. This is the last fraudulent account reporting and if they do n't remove it I am going to have to sue them because it is keeping me from living my life and moving on from the horrors of being a victim of identity theft. It even kept me from licensure for my dream job because I do n't have a perfect credit file! For them to come back and claim they investigated as if I did n't file all the paperwork which makes them by law have to remove the file and block it, is an absolute smack in the face and I am tired of it. Remove it now and MAYBE I wo n't sue for damages because it has kept me from getting a house now and a new car, and kept me from getting a job XXXX! this is ridiculous to get something done with this company, every other company included in the affidavit removed the info and has found that the accounts were opened fraudulently during a legitimate investigation in a suitable amount of time. You ca n't tell me XXXX other company investigations found fraudulent activity and fifth-third actually investigated anything. The account itself is registered to an address in XXXX where I have never even lived!
Product: Credit card

I have a card through Care Credit/Synchrony Bank. I recently fell behind on payments and was contacted from someone through them. I believe it was a collection agent. We setup a Hardship plan of {$77.00} a month. My account was showing a current balance due of around {$400.00}. The person I had spoke with let me know that my monthly payments will start right away at {$77.00} and the current balance showing due will continue to show on the site but that the {$77.00} will go in affect right away .... I went on the website to setup automatic payments of {$80.00} to pay towards my account since I was told my new monthly payments are {$77.00}. When my first automated payment was sent through. They ran my card for {$300.00}. I called Care Credit/Synchrony Bank to ask them what had happened and they told me the automatic payments run the amount showing due. I let them know about my plan I had setup of the {$77.00}. The person I spoke to told me I will be receiving a check in the mail to refund me that amount that of {$300.00}. I made sure to double check that I for sure will be receiving a refund and they assured me I will be. Then a couple days later I received a letter in the mail saying that the refund was declined. I called and explained the situation. They basically told me there was nothing they can do. If they refund me the amount it will show my account in past due status which is not entirely the case since I was told my account would still show that amount due but my monthly payments will start at {$77.00}. XXXX people I spoke with assured me information that ended up not being correct and I was a victim of that. I spoke with a supervisor and let them know of the information I was given and they basically told me there is nothing they can do about wrong information previously given out. If I would have known the amount of {$300.00} would have been taken out of my account I would have not setup the automated payments but I was told previously my monthly payments will start right away at {$77.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX & XXXX XXXX, XXXX 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 XXXXXXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ( Original Creditor : XXXX 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, have 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I deposited a cashier check of $ XXXX issued by XXXX XXXX XXXX chase business account to my XXXX Account XXXX XXXX XXXX which was approved and this deposit reflected on my available balance the next few days as shown in the images Ill upload. After the check has completely cleared and the money completely deposited into my account and was shown as my available balance. I proceeded to make an atm withdrawal of XXXX XXXXXXXX with my bank card, I noticed my card isnt working after a few minutes I received a notification from Chase on a restriction on my account. I went straight to the bank that day and provided all informations from the sender which they took and cleared but refused to release my money putting a hold on my account pending investigation. I decided to be patient with them as I have nothing to hide only for chase to put me on a wild goose chase for months holding the money and refusing to refund me. I contacted the sender to recall the check but was informed the check has cleared on their end and I should contact the manager so that they can speak to the bank manager. I tried but it was fruitless. 
Only for me to get a mail last month on XX/XX/XXXX that my account has been closed and a XXXX check charge of {$360000.00} was made on my account which brought it down to {$0.00}. I contacted the bank on what the check is all about and i was told that the money is yet to be released mailed to me. Its been over XXXX weeks and I am yet to get a reasonable response from their customer service representative.
Product: Debt collection

I am writing to dispute inaccuracies on my credit report and request the immediate removal/blockage of erroneous information. The following accounts are inaccurately reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is erroneous as no judgment was made, and no trial occurred. Furthermore, I have identified fraudulent activity related to identity theft with the account XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX I called and made 3 payments ( XXXX, XXXX and XX/XX/XXXX ). Paying 3 months at 1 time is not allowed on the sls.net website. I was very clear about the fact that I wanted all 3 payments credited immediately. XXXX and XXXX payments were applied XX/XX/XXXX. XXXX was not. XXXX payment as has been ON HOLD for 36 days. Today ( XX/XX/XXXX ), upon inquiry they credited XXXX payment but refused to adjust the interest appropriately. SLS says there is no difference in how interest is calculated with payment on hold for 36 days versus XXXX mtg payment being credited appropriately on XXXX XXXX, XXXX. Call with customer service rep disconnected when I disputed this fact.
Product: Debt collection

I have contacted XXXX XXXX XXXX regarding 2 accounts IN THE AMOUNT OF {$71.00} and IN THE AMOUNT OF {$920.00} on 2 different occasions thru certified mail asking to verify that I owe their company any funds and for what. Ive also ask for anything bearing my signature that verifies I have obligations to pay them or have had any business dealings with them. Yet they have failed to validate according to law. This collection company is damaging my credit file and cant provide legal proof. I have not had any dealing with XXXX XXXX or XXXX XXXX emergency whom they represent. I have not given any companies authorization to share any medical information either. This company is in violation of HIPPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 21 different accounts with DEPT OF ED/XXXX XXXXnd it seems since I Consolidated my payments into 1 payment which is in good standings that the other 20 should be removed. I understand that all the information is one now so there is no need for this. I was told it is hurting my credit score.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Debt collection

I received a notice from Debt Recovery Solutions , LLC on XXXX/XXXX/XXXX to pay a debt that was included in a bankruptcy some time ago. It began with rude unprofessional phone calls and escalated to written notice. I inquired within about this alleged debt. The feedback I received is attached. Thank you for advance for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XX/XX/XXXX Dear TransUnion, XXXX, XXXX I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : FRAUDULENT INQUIRIES : XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED. 

This is my official request to have the aforementioned item to be deleted off my credit report. Enclosed may be additional evidence to support my claim. 
Sincerely, XXXX XXXX
Product: Mortgage

Bank of America became my home mortgage loan servicer by assignment. My original mortgage servicer permitted automatic monthly payments. Bank of America only permits automatic monthly payments if the user sets up a Bank of America checking, money market or home equity line of credit account. This is an unfair practice. Such automatic monthly payment option is a standard and customary service and should not require the user to open a Bank of America account.
Product: Checking or savings account

I have an existing complaint submitted about Capital One closing my checking account and retaining {$1700.00} of my money since last year. 

At the same time, Capital One blocked my ability to view my XXXX XXXX XXXX account last XXXX digits XXXX since XX/XX/2023 from being able to view monthly statement and has never sent me monthly statements. I do not know what is being charged, what my balance is unless I call the XXXX # which only provides last XXXX transcations and balance. 

A refund was suppose to be issued to my credit card last year for {$620.00} from XXXX, I have no idea if I received the refund because I do not have access to any statements. I asked repeated to have online access to view my accounts, Customer Support told me that it would be restored to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent Transunion, XXXX and XXXX a letter disputing the validity of the Bankruptcy they are reporting on my credit report. They responded with a letter stating that they " verified '' this item through XXXX XXXX. I went directly to XXXX XXXX to dispute the item in question and XXXX XXXX could not verify this item, so they removed it from their database. 

I then went back to XXXX, Transunion and XXXX on XX/XX/XXXX and showed them the removed Bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verified this Bankruptcy then it needs to be removed according to the FCRA. They have once again refused to remove Bankruptcy which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year. 

XXXX have deleted bankruptcy since XX/XX/XXXX is still reporting accounts on my credit report in a Bankruptcy which is a violation, XXXX XXXX # XXXX and XXXX XXXX # XXXX
Product: Mortgage

My father passed and I'm living in the house. I sent financials and request for mortgage assistance several times. The property has a property foreclosure sale date set for XXXX. Select Port Folio has been unwilling to help me with getting the mortgage straight, I don't want to lose the house to foreclosure. They have put force place Insurance coverage on the house when I had proof of coverage and a bill sent to the mortgage company to be paid.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XX/XX/year> TransUnion I am disputing the following information on my credit report : **Creditor Name** : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX **Inaccuracy** : May have incorrect payment history or status.

Please investigate and correct the error as required under FCRA 611 and notify me of the results. 

Thank you for your attention to this matter. 

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

The following account ( s ) must be deleted from my credit report as a result of fraud : 1. Identity Theft XXXX  XXXX Account XXXX : XXXX This account is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed an identity theft affidavit to alert the proper authorities. 

2. Identity Theft XXXX  XXXX  Account Number : XXXX This account is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed an identity theft affidavit to alert the proper authorities. 

3. Identity Theft XXXX  XXXX  Account Number : XXXX This account is on my credit report as a result of fraud. I did not apply for this account and it does not belong to me. Please remove this account on my credit report as I have already filed an identity theft affidavit to alert the proper authorities.