23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted an written dispute to Experian regarding multiple accounts that are reporting as inaccurate on my credit report. The following accounts are as follows : XXXX XXXX : Currently reporting incorrectly as 14 charge-offs, with an balance of {$5700.00}, which is inaccurate balance. I have asked them to conduct an proper investigation to question the validity, and on XX/XX/XXXX, i received the results line as verified. There is also 3 more accounts that has continued to report as verified, and they are as follows : XXXX Now- Reporting as a charge-off with an amount of {$2000.00}. This is not reporting 100 % accurate. Experian has declined to provide me with their method of verification. 
XXXX XXXX XXXX services : Balance- $ XXXX This company continues to report an inaccurate information on my credit file, and XXXX XXXX has also failed to provide proper validation upon written request. Experian also continues to report as accurate and has declined to provide me with method of verifying that the account is 100 % accurate. 

XXXX/XXXX : Balance : $ XXXX Continues to report inaccurate information as 2 accounts that are charged off. Experian continues to report as verified and has not conducted a proper investigation into the maximum accuracy of this account. I also submitted an letter on XX/XX/XXXX, exercising my rights under the FCRA, asking Experian to provide me with the original contracts and methods used to verify that the information that they are reporting is 100 % accurate On XX/XX/XXXX, I received an online notification that an multiple account disputes were open. On XX/XX/XXXX, i received a letter stating that the information was verified, and that these accounts will continue to report as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my XXXX annual credit report. I found that I have an unauthorized hard inquiry on my credit report. 
It shows on XX/XX/XXXX, Citibank NA, BEST BUY put a hard inquiry on my credit report. But I did n't apply any credit card or load from Citibank NA, BEST BUY in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXXXXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 12 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/20XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CEPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company 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: Student loan

XXXX XXXX sent me a refund check in the mail for the amount of {$600.00} on XX/XX/XXXX. I  deposited it through my mobile bank. Bank showed check went through. The next day the check came back out with a fee of {$5.00}. I called my bank they said it said " referred to maker. '' I called heartland XXXX they said check was cleared, they said they would look into it and get back to me with what they found, never did. I called back and they said check is cleared and nothing they can do and they would look into it to see what was going on, never heard back. I called today XX/XX/XXXX and they said they could n't do anything and for me to call and file a police report.
Product: Debt collection

On XX/XX/XXXX, XXXX from XXXX XXXX called my cell phone stating that he was a process server for the state of XXXX  and asked for my supervisor 's name and number to get information on how to send a sheriff to my job for a court case. He stated that it was for a " bad check '' written to Spotloan. I ended the call. He then called my mother looking for me and started rattling off her social security number, address and date of birth in an attempt to scare her into giving them my info. She did not give them any info and hung up the phone. They called my phone again on XX/XX/XXXX and again on XX/XX/XXXX. On XX/XX/XXXX, they also called my husband looking for me. On XX/XX/XXXX, they called again and I told them that I will be filing a complaint. I have not had any dealings with Spotloan since XXXX. I have even had a previous CFPB complaint about another collection agency, XXXX XXXX XXXX XXXX, calling me about Spotloan. Spotloan responded that they had no relationship with XXXX XXXX and that they would address the issue directly with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you in regards to a recent notification I received concerning new accounts appearing on my consumer report that I do not recognize or have any association with. This letter serves as a formal request for the information related to these fraudulent accounts to be promptly blocked and deleted from my consumer report, in accordance with the provisions outlined in 15 USC 1681c-2.
Product: Credit card

I really need someone to assist me because I have been going through this for years with absolutely no assistance. I am a victim of identity theft. I worked at a company where the personnel who gave me my separation papers mistakenly provided me with another person 's information partially with mine as well as provided my information to this other person ; we both have the same first and last name, different middle name. This person used my information to open accounts as well as go to the extent to use my name and social security # when he went to jail. I had thought that this whole debacle had been cleared up on my credit report, but now that I am seeing it again, I know that it has not been. I am including my letters to the bureaus as well as my identification and affidavit. I was not able to obtain a police report. When I went in to the station to file one, the officers laughed at me, stated they " do n't give a crap about something that happened in Virginia '' and would n't make a report for me. I do not have the option to file one online, either as my area does not allow for that. 
I 've disputed this with the bureaus and creditors in the past and have received no assistance. 
As for the NFCU account, I did not open or authorize this account and I have no knowledge in regards to it. I notified them as well and nothing happened ; this is the same result from the credit bureaus. 
The accounts and inquiries in dispute are listed on the letters that I have attached.
Product: Credit card or prepaid card

Goldman Sachs apple credit card - I called GS Apple Credit card rep and was advised a XXXX  was placed on my account. I have not filed XXXX  this can be verified by my social security they have made an error on their end and I am unable to use my card. I want them to resolve and apologize as I am unable to use my card. I payoff my balances and keep my cards in good standing. I have my credit score at XXXX and I have never filed XXXX
Product: Consumer Loan

I was solicited by a banker at USBank : XXXX XXXX. He told me that he could refi an existing loan at less than 4 %. I stated that I would only be interested if this was a FIXED RATE LOAN. He said YES. After 4-5 weeks of supplying the necessary paperwork : personal and business tax returns, pers. financial statement, everything necessary to complete a loan .... I was told that I qualified for an ADJUSTABLE RATE LOAN. I reminded the banker that we had originally discussed a FIXED rate loan. 

My complaint : BAIT AND SWITCH 1. the loan was presented as an AR loan with a low 4 % interest rate as a teaser. The banker knew that I was only interested in the Fixed rate loan. 

2. There was improper documentation on the exact interest rate and the type of loan at the beginning. Had this been done ... there would not have been any misunderstandings. 

3. I tried to work it out with the bank, but they seemed intent on giving me the Adjustable Rate loan as opposed to the loan that was originally discussed. 

4. I paid my accountant to produce the various forms. In lieu of the misleading behavior of the banker : XXXX XXXX ... I have asked that the bank refund my acct fees ( {$150.00} ). They have not done this or suggested that they have done anything wrong. 

To summarize : Bank calls me ( I did not call them ) to offer 4 % rate on refinancing an existing loan. I was clear that I was only interested in a FIXED RATE LOAN. Banker says : fine. Banker does not put anything about the loan details in writing. 5 weeks later after all of the paperwork ... I 'm assuming that I will be presented with a Fixed rate loan. This did not happen. 

Bait and Switch. 


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

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 my wife and I were not working so we asked XXXX XXXX XXXX for a loan modification which they agreed. We were paid up to date in XX/XX/2019. We paid 3 years without being late once. We paid the reduced amount in early XXXX for XXXX payment. We paid the reduced amount in early XXXX for XXXX payment. We paid full amount in early XXXX, and full amount in early XXXX. 

We were never told that XXXX XXXX XXXX would report our mortgage as late as we were paying the agreed upon amount. We ended up with a 30 day late in XXXX, a 30 day late in XXXX, 60 day late in XXXX, and 90 day in XXXX which does not make sense. The full amount we were supposed to pay was approximately {$1500.00}. The agreed upon reduced rate was approximately {$1200.00}. We paid {$1200.00} for XXXX and XXXX. So even if XXXX XXXX XXXX was correct in reporting us late, it should not have been all those times. {$1200.00} for XXXX and then {$1200.00} in XXXX is more than enough to make a full payment for XXXX, then another {$1200.00} in XXXX should make XXXX paid in full as well. XXXX and XXXX were full amounts so they should have been considered on time. 

XXXX XXXX XXXX is saying we paid XXXX  2019 90 days late when they had the money in full for XXXX, but didn't not credit our account.
Product: Checking or savings account

XX/XX/2022 I was involved in a almost fatal car crash. And merrilledge turned their backs on me completely false representation and advertising as well as no compassion being showed on behalf of their companies. They provided me with a lot of their tools then striped them for no reason what so ever with facing injury physical and mental. I expected more out of this experience. they understand ultimately. 

CFR 12 ( 1-1-12edition )
Product: Mortgage

Hi, I am responding to the letter from Franklin American Mortgage Company C/O Central Loan Administration ( FAMC C/O CENLAR ) drafted on XX/XX/XXXX ; postmarked XX/XX/XXXX ; and received on XX/XX/XXXX and the letter from Insurance Processing Center ( IPC ) drafted on XX/XX/XXXX, postmarked XX/XX/XXXX, and received on XX/XX/XXXX. My insurer completed the required tasks on XX/XX/XXXX, and sent documentation to FAMC C/O CENLAR. However, FAMC has delayed reviewing this information. Initially, my insurer used the incorrect dates for insurance policy for my property. I requested the dates on the coverage be corrected on XX/XX/XXXX, prior to closing on the condominium ( condo ) on XX/XX/XXXX. The corrections were not completed. I followed up on my request for correction on XX/XX/XXXX. The corrections were not completed. I followed up a third time on XX/XX/XXXX, and finally saw some movement to make the corrections with an initial policy starting XX/XX/XXXX, to XX/XX/XXXX, and the current policy from XX/XX/XXXX, to XX/XX/XXXX. My insurer completed the required tasks on XX/XX/XXXX, and sent documentation to FAMC C/O CENLAR. FAMC C/O CENLAR & IPC did not review documentation prior to sending threats to charge me for insurance that " may be signficantly more expensive. '' On XX/XX/XXXX, I filed complaint XXXX with the CFPB due to IPC threatening to charge me for insurance that was already obtained. IPC did not make any effort to review documentation of the insurance on file before sending a threatening letter. Unfortunately, the prior complaint did not correct IPC 's practices as the XX/XX/XXXX, letter claims they " plan to buy insurance for [ my ] property '' without any reference to the insurance coverage on file with FAMC.
Product: Checking or savings account

On XX/XX/XXXX I received a XXXX payment for {$20.00}. After receiving payment, Truist closed my account without my knowledge. 
On XX/XX/XXXX, I received another XXXX payment for {$50.00} and tried to transfer my full balance to withdraw the funds. My card and account could not be used and kept declining so thats when I called customer service and learned my account was closed. The {$50.00} transaction was still pending so they claimed there wasnt anything they could do, other than tell me it would go back to the persons bank who sent it. 
On XX/XX/XXXX, the transaction posted and was deposited. I called again asking how that is possible since my account is closed. No one could give me an answer and no one could provide me with a resolution other than going into a branch which isnt possible for me since the nearest branch is 4+ hours away. Another rep said when it was pending they could have cancelled it but now that it was cleared there was nothing they could do. I find it appalling and frankly, its theft, to allow a deposit in a closed bank account and then refuse to give me access to my money. I have yet to receive a call back from a supervisor like I was promised, the funds are still there and I have no way to access them and they are refusing to help.
Product: Debt collection

This account violates the Hippa regulations. I never gave permission for the 3rd party to report to my cbr. This company has also violated the FDCPA by causing my phone to ring repetitively. Calling 22 times and leaving 19 voicemails in a 30 day period. I have asked them to least and desist and they have not complied. This reporting needs to be removed from my cbr immediately or I will file a counter suit for the FDCPA violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX Phone : XXXX Email : XXXX XXXX XXXX Transunion XXXX XXXX XXXX, XXXX, PA XXXX Request for Removal of Fraudulent Late Payment Due to Identity Theft Please Remove Late Payment Account XXXX XXXX Account Number : XXXX Date of late payment : XX/XX/XXXX Account opened XX/XX/XXXX Dear, Transunion I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] and occurred on [ XX/XX/XXXX ]. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Upon checking my account on XX/XX/XXXX, I discovered that an unauthorized withdrawal of {$700.00} at a Wells Fargo Machine located at XXXX XXXX XXXX XXXX in XXXX, CA. It was done by someone using the tap method according the bank records and records on the Wells Fargo app. This is the same branch I did a deposit at on the same day, records show that this unauthorized transaction also happened on the same day ( XX/XX/XXXX ). I filed a claim through Wells Fargo as soon as I found out on XX/XX/XXXX, claim number # XXXX. I followed up my disputed claim on XX/XX/XXXX and was told that they are denying my claim because upon their investigation there was no fraud and therefore could not return my money. I am a hardworking individual barely making ends meet and this {$700.00} was my month 's rent. It is unfair that they denied my claim, my withdrawal patterns speak for themselves, I have never withdrawn in amounts like that.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX partial account number XXXX. ( Please see page 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to submit an dispute online and Equifax website is not allowing me to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing specific collection items that do not belong to me and I have no way to prove they do not as I have no accounts with these companies. TransUnion and XXXX stated they would not reinvestigate. These are still not my accounts or charges. 

I have had an identity theft reported in XXXX, XXXX and XXXX XXXX did reinvestigate and removed the accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Got new car lease with XXXX XXXX back in 2016 and then had to take new position and pay cut from SSA survivor benefits also. Couldnt afford payment and got it repossessed after a year. XXXX has resold the car and I am not the owner so why would I pay $ XXXX for it? Thats more than my lease balance was so I reported it and they dropped it to XXXX but are destroying my credit by reporting this as ongoing and monthly missed payments even though its listed as a charge off.
Product: Credit reporting or other personal consumer reports

While reviewing my XXXX and Transunion credit reports via XXXX, there are several accounts that are more than XXXX XXXX XXXX. These accounts should have been automatically removed. I made requests to XXXX  XXXX and Transunion for the removal of the below accounts via XXXX XXXX but ALL of the requests were denied. 

The following accounts are more than XXXX XXXX XXXX and should have been removed : XXXX ) XXXX - opened XX/XX/XXXX XXXX ) XXXX XXXX - opened XX/XX/XXXX XXXX ) XXXX XXXX - opened XX/XX/XXXX XXXX ) XXXX XXXX - opened XX/XX/XXXX XXXX ) XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX ) XXXX - opened XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX - opened XX/XX/XXXX XXXX XXXX XXXX XXXX - opened XX/XX/XXXX XXXX ) XXXX XXXX  - opened XX/XX/XXXX XXXX ) XXXX 's XXXX XXXX - opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX opened XX/XX/XXXX
Product: Student loan

XXXX XXXX through SL Finance contacted me stating I qualified for student loan forgiveness and that he worked with my service loan provider. I completed paperwork and was told they charge for so many months then my student loan would be reduced. They had my employer complete paperwork. I was notified through XXXX that this was suspicious and a scam. I contacted XXXX to let them know and will be calling my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I went into a payment arrangement with Citi Cards on my credit card payment. I called them because I knew it would be difficult to make the payments over the next few months. We agreed to close the account and set up a payment of {$210.00} per month. The representative told me to pay {$280.00} then and my next payment would be {$210.00}. Fast forward to XX/XX/XXXX I am about to make my next payment when I see that my account shows I am 30 days late. I called to find out why and they said the account was carrying a balance due. I was never told about this balance or contacted I was behind. I found out after they reported me late. I called to have this late removed and they have refused. I told them I will no longer pay this account until they remove all negative reporting as it was false. They refuse to work with me and only tell me I can fax in my complaint and they have 30 days to respond.