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

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$570.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$150.00XXXX XXXX XXXX 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 XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX 'S XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I contacted the XXXX XXXX through TD Bank finance explaining that there was a transaction made on my XXXX XXXX credit card account that is fraudulent and I have yet to receive the affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My daughter had to have XXXX XXXX XX/XX/2017 at the time we lived at XXXX XXXX apartments. I was " Co Applicant ''. I knew at the time we moved in XX/XX/2017 that we would be moving or relocating to lower level or moving entirely and only be there no more then 6 month 's also knowing the Applicant was staying in the apartment anyway after I left. 
My daughter could not recovery going up and down steps. the office knew this at the time of move in this was coming. 
XXXX XXXX is a friend of mine and he knows my daughter went through this as well. 
I have sent certified letter to all 3 Bureaus with proof and have made several attempts to get this off my credit report and disputes as well, with this still not resolved. 
I have sent as proof and email giving my 30 day notice, proof of my daughters XXXX, time and date etc. 
I need this off my report, my daughter is now XXXX will be going to college and I am a single mother hoping to send her to college by knowing I will have to take a loan out for that expense. 
please help me resolve this or at least direction. 

Best regards, XXXX XXXX XXXX
Product: Vehicle loan or lease

The flood damage has compromised the cars computer and safety mechanisms, which poses significant safety hazards to me and my family.The vehicle became inoperable in less than a week with multiple malfunctions ; oil leaks, oil changes, break replacement, tune ups, electrical issues, engine replacement and repairs, temporary/expired tags and now the steering wheel shakes when Im driving the vehicle, and transmission stops and stalls while driving 70mph on the freeway. Due to the known inoperative various defects on the vehicle and the recall not being honored the car was in an rear-ended accident and the airbags did not deploy putting me and my family at risk.
Product: Credit reporting or other personal consumer reports

I recieved a credit report from Transunion on XX/XX/XXXX by mail. Transunion deleted XXXX. Transunion did not delete XXXX from my credit report. XXXX XXXX company sent Transunion a request to remove or delete XXXX and XXXX from my credit report on XX/XX/XXXX. I'm waiting for Transunion to delete or remove XXXX from my credit report. XXXX was paid in full before Chargeoff, before sent to XXXX XXXX XXXX.
Product: Credit card or prepaid card

{$500.00} was transferred out of my account without my permission.
Product: Debt collection

XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX has filed a collections claim for debt that is not due to them. XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX has repeatedly submitted a claim to my insurance company, XXXX XXXX XXXX, who paid the " maximum allowed '' for service on XX/XX/22 and then denied future claims to recover the unapproved amount. XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX sent us invoices several times trying to get us to pay the remaining balance, which is not allowable under my insurance plan. I called XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX several times and they informed me that no action was needed on my part and that they would submit it to the insurance again. 

In every claim and explanation of benefits from my insurance provider, the patient amount due in all cases is {$0.00}, providing evidence that the amount that is trying to be recovered from XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX is an unallowable expense. I have documentation of all of this to support this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX VT XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, VT XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME NAME : XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX VT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts provided below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section. 

Account : XXXX XXXX XXXX XXXXXXXX Account : XXXX XXXX ( XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A : States my right to privacy as a consumer.

15 U.S.C 1681 section 602 A Section 2 : States that a consumer reporting agency may not furnish information about a consumer 's creditworthiness, credit standing, credit capacity, or other personal information to any third party unless the consumer has given prior written instructions as consent for such disclosure.

15 U.S.C 1681c ( a ) ( 5 ) : 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 7 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 a reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I sent mulipty dispute letters and this company is not following your rules. I want a full investigation on the following : XXXX XXXX XXXX {$850.00} and XXXX {$0.00} I am concerned about the validity and accuracy of their recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation!
Product: Checking or savings account

Signed up for a subscription with a company called XXXX XXXX and was sent out a box before I could modify or cancel as the items werent suitable for my needs I had the order returned to sender and never touched the items. Charged on XX/XX/13 XXXX .Apparently the bank cancelled my card that week without reaching out to me first for suspicious active and sent out a new card. This played an issue because when the refund was processed it could only be processed to original payment method which was the card the bank cancelled. Since this situation I have reached out to both the bank and XXXX post who acknowledges I am due a refund but they can only return it to that card. The bank had done absolutely nothing to I help in this situation and it is over 6 weeks with this issue.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S. code 1681 Section 602 states i have the right to privacy.

15 U.S. code 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account with out my written instructions.

15 U.S. code 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously had a state lien in the amount of XXXX that had been released and removed from my Credit Reports because it was paid and everything. It was removed from all XXXX credit reporting bureaus. It was removed sometime back in XXXX XXXX. Upon going to check into my scoring and accounts the week of XXXX XXXX, XXXX I discovered that XXXX had placed this back onto my credit file without my knowledge. They are the only bureau to do this. I immediately called XXXX to discuss disputing this since it had been prior removed and a dispute was placed by an agent there. I do not believe it was done correctly though as he was not entering in all of the information that I was trying to tell him. I received the " result '' of the said dispute today and absolutely nothing has been done to this account. This is rendering me as even though it has been paid, it still gave me a big hit being placed back onto my credit without my knowledge. I do not find that this is even legal to do this, especially when the other reporting agencies are not reporting it and I have paid all of my debt to this a long time ago.
Product: Payday loan, title loan, or personal loan

I made a purchase for items through XXXX with Affirm as a lender. The amount was over {$800.00}. Unfortunately the account was charged off so I am unable to give an exact number. 

In any case, when I complained to XXXX that I had not received my order, they suspended my account. I provided proof that the items were not delivered to my home and also the police XXXX who wrote the report agreed that the home in the delivery pictures were was not mine. 

I contact Affirm XX/XX/2022 then when no one responded, I contacted them again on XX/XX/2022. I would also Receive emails telling me that my account would be charged off eventually if I did not make a payment. At maybe two or three separate times I called the firm to confirm that I would not be charged off since the debt was technically not mine to pay since I had not received my items. At one point in time I was told by a representative that my account was on a special type of old which would not which would not affect my credit report. Every time I called, I was told that the situation was still being investigated. 

Today I received an email telling me that my account was charged off. When I called in, a representative told me it was because I didnt respond to an email on XX/XX/2022. Upon further investigation, they determined that I actually did respond. 

I was told by a supervisor named XXXX that it was too late to stop the charge off and that my lack of payment would affect my credit report and future loans with Affirm. When I told her about the hold on my loan she told me that they could not guarantee such a thing and that all she could do was forward my case to higher ups. Obviously Affirm had no plans on investigating anything. Even though I provided pictures and a police report. 

XXXX a XXXX veteran that has worked off to pay off her debt and get back on her feet. The items purchases were for XXXX XXXXXXXX and I ended up having to sell other things to get things for school. This company is disgusting.
Product: Credit reporting or other personal consumer reports

Accounts opened in my name Fraudulently. 
Ally Financial : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate address, name, phone number and job employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to the credit bureau in regards to items on my credit report that were inaccurate. It has been over 30 days and I still have not received a response and it has been a huge burden for me effecting my ability to apply for loans, both personal and for my business. According to the law I should have received a response to my disputes by now or the items should have been deleted/updated. I checked my credit score again a few days ago and the same items I disputed remain on my report and have not been updated. Some of the items on the credit report show late payments that I was not aware of. I take paying my bills on time very seriously. As I mentioned, I am a XXXX XXXX  and COVID-19 has affected my business and ultimately affected my finances. To my understanding the CARES Act went in to effect in XX/XX/XXXX and was suppose to protect individuals like myself from creditors reporting late payments on my credit report. The credit bureau can review my credit report and see that I have always paid my debt on time if not early prior to Covid 19. My credit report shows that I was never late until Covid -19 took the world by storm. To date, even with Covid-19 still lingering I have made every effort to make my payments on time. The credit bureau should have not put " late payments '' on my credit report per the CARES Act, it has effected my credit score greatly.
Product: Vehicle loan or lease

I was notified of a new item reflecting on my credit report by XXXX credit reporting agency. When I logged into review I saw that Capital One my auto loan was reporting incorrect information. 
I filed XXXX XXXX last year however the auto loan was not included with that and Capital One reaffirmed my loan. 
On the credit report they are showing this included in the XXXX and are reflecting no payments of any sort on my account. I have contacted my attorney and I was informed and verified this was reaffirmed. 
XX/XX/XXXX I filed a dispute through XXXX stating the information reporting was incorrect. XXXX notified me the same day that the dispute was resolved. I again filed a dispute for the XXXX time on XX/XX/XXXX stating the balance, payment and reporting this as included in XXXX was incorrect. XX/XX/XXXX they completed the dispute again nothing updated by my lender still stating included in XXXX  XXXX but now with a balance and no payment. 
I called Capital One XX/XX/08 and spoke to lady we will call ID XXXX was not able to understand her name after asking for her to slow down a couple times. Anyway, I asked to speak to someone about the account not reporting correctly. I was told she can not help me with that i have to do this in writing or by fax. I asked again for her to explain why and she stated that department will assist in Bankruptcy questions. As I explained my account was reaffirmed she gave me the information to fax my concerns to. 
XX/XX/XXXX I faxed capital one a copy of the reaffirmation agreement, copy of my timely payments made all prior to due date, copy of email from my attorney to them regarding the affirmation as well as copy of the dispute findings. 

I was not contacted nor have I received any emails to my request. I am done trying to get them to respond and ignore my plea to correct this information error on my account i have in good standing is reporting correct. I also informed them i have not received any statements for that account and i asked to have them start to mail me copies.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

This has been an ongoing nightmare for 18 months. I applied for a mortgage modification because I was in default for XXXX in XX/XX/XXXX. XXXX. It was a payment of XXXX. 

Bank Of American prolonged this until XX/XX/XXXX, because they wanted to add fees to the account. I sent in document after document for 11 months. I could not pay the XXXX dollars off because they added XXXX dollars to the total amount. 

When I got the document papers, I was told the trial payment was for almost XXXX instead of the XXXX I was told they added escrow payments. I pay escrow payments to my primary mortgage. I sent document after document to Bank of America. I paid XXXX for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and I was told my payment for XXXX was XXXX. Ironically, a paid the payment with a representative. I received a note from BOA saying my bank account was not found. ( enclosed XXXX XXXX XXXX XXXX I received another document from BOA entitled trial modification ( these are enclosed ) saying my payments would be {$380.00}. The documents had to be received by XX/XX/XXXX. Again they added the escrow and added in {$2.00}, XXXX. 
They keep adding these " third party expenses '' to my balance. They have added it 3 times. 
I am begging your agency to help me. 
I am enclosing my primary mortgage statement to verify I am paying my escrow to XXXX. 
I am enclosing the documents that BOA sent me. 
I am enclosing the XXXX payment that BOA claims they cant find my account at XXXX bank.
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. XXXX XXXX {$510.00} XXXX XXXX   XXXX {$7500.00} XXXX XXXX {$800.00} XXXX XXXX XXXX {$670.00} XXXX   XXXX {$3800.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$560.00} XXXX XXXX {$570.00}
Product: Credit card or prepaid card

I've been trying to make a payment on my XXXX XXXX XXXX ( the one you can only use at XXXX  and is issued by Citi Bank ) for the last month. I used it for years, zero problems till this month when I went online to pay and when hit submit payment it didn't go through and gave me this message " payments operations disallowed due to account status ''. So I tried over the phone and didn't work so they transferred me to an agent. For 2 days I was with 6 different agents for hours and they can't figure out what is wrong, they hung up on me, transfered me to different agents without notice so eventually my payment was past due. They gave me a late fee but were able to reverse it. They said they created a case, never gave me a case number and would contact me with a solution. It has been two weeks and nothing so I decided to try again online and over the phone and the same problem. Again talked to 3 different agents for hours with no solution. We tried different checking accounts, debit cards to pay and nothing works. It's not my accounts cause I paid all my other bills and had no problem. I even tried calling Citi directly but can't get through their automated system if you don't have an account with them, since my card is not visa or mastercard, it is just for XXXX they don't recognize my account. I'm don't know what else to do, XX/XX/05 is my next payment and I don't want late fees I don't deserve. This is hurting my credit score and I just want to know why I get that message and pay my total {$280.00} and possible just close that account, don't want to go through this again.