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

This is XXXX XXXX XXXX and I am submitting this CFPB complaint to you today beacuse I am frustrted ith your negligence and incompetence when it comes to reporting of my Credit File. It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts and items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit repoorting Agencies are required by law to remove & block any accounts ans information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove the following items completely from my Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX. If the Credit Bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

I seen this company on my credit report Diversified Consultants and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, On Friday XX/XX/2019, I was attempting to dispute incorrect address information on my free Experian credit report and was unable to use their website or follow their instructions to submit a dispute. I was given three options for verifying my identity, online, phone or mail and tried to call them via the phone number. However, when I called there was no way to speak to an actual representative to verify my identity. I tried using all of the options on their automated response system and after an hour was unable to get to an actual person. As a consumer, attempting to correct my personal information I find it misleading by Experian that I can not verify my identity in the manner presented. 

The number that does not in fact lead to a service representative is given on the Experian website - XXXX. My experience was that they do not care to have someone talk to with me without my paying them for my own personal information. I find this is a violation of my consumer rights. 

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

These accounts are fraudulent and are falsely reporting on my consumer report. I request that all accounts and inquiries be removed from all credit bureaus immediately.

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above XXXX XXXX Is in violation of my right. 

I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

Also as well In accordance with the fair credit Reporting act XXXX XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

XX/XX/XXXX The Toyota Motor Leasing company was removed off my Credit report and as of XX/XX/XXXX it was added back on my credit report. As they were negligent in responding back to my letter and requests. In addition, this debt is older than 5 years of the Statue of Limitations for Florida. The total amount for the Repossession was for {$24000.00}. However, this debt was removed from all of my credit reports. I would like this matter resolved immediately as this a huge impact to my personal credit.
Product: Student loan

I have a loan through great lakes borrower. i didnt know my school took out 9 small loans and not just 4 that have a high interest rate. As well as when i but it in forbearance they never explained that when taken out my interest would be capatalized. I also was told i was on a income based plan and that because if my income my amount is XXXX a month. they never said anything was gon na keep adding on. i was trying to figure out why my loan kept going up. when it cane time to remew my income app i didnt get notified till it was to late and they selected a plan fr me than i called and had to reapply for the income plan. and they but it on forbearance without knowing that it would capatialize my interest they just said it would freeze the account. They also make you think that if your on an income driven plan thatbis payment if XXXX than you are ok not that it gets more each month. i got rushed into signing up for school, also XXXX would have went local and not online cause they pretty much had me sigb up for a documents. thing that i had yo intial and sign that they used later for loa s i dodnt know i had.but they hadcaccess to all of that i am just now seeeing some of the paper that aas for my loans. As well as my school was to help me find a job when they accutally made it worse. and never helped i found my oown job not doing what my degree is for, only to find out i still have to take a certification test that cost XXXX for the test XXXX for books and a XXXX memebership fee. thus is 3 years adter school they never me tioned this not even after i graduated they lied on my resume.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is 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 items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

United Auto has an account listed on my XXXX and XXXX credit reports. The XXXX report does not have a recent balance but noted as paid. The XXXX report shows past due {$7500.00}. 

There was never a balance of {$7500.00} even according to documents received directly from United Auto. The  Charge off amount is claimed to be XXXX yet the balance magically increases to {$7500.00}. 

I have disputed this account on several occasions. I have attached documentation Please delete this account immediately from all credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is very troublesome, I have requested that this information be removed/blocked from my credit file due to identity theft. I am getting no where. Equifax will remove some items and overlook others that are on the same report. It is as if they are overlooked and not regarded. then when you call to speak to somoene it is like you dont even exist, This is so unfair,
Product: Credit card or prepaid card

In XX/XX/2018 cardholder sought lodging in XXXX area for work. 
XXXX XXXX, XXXX XXXX, XXXX, broadcasted special daily room rate via the company 's web site. Buyer data entered including account number XXXX. In returning confirmation details, XXXX changed the terms of the sale ; its per diem room rate became variable. The advertised daily room rate was fixed, " x dollars per night. '' The vendor was telephoned and asked to cancel because my employer would not accept variable rate terms. Vendor indicated supervisor was notified with 3 other offers in lieu of total cancellation. After discussion ran its course for a resolution, deduction was same, hotel company unwilling to charge fixed rate. The resulting claim came as a surprise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a credit line increase through XXXX but was denied. XXXX   stated/provided a letter stating that there is a FRAUD ALERT listed on my report and they were unable to confirm the information. In conversing with the representative from XXXX she stated that they were looking at a credit report with the alert on it, and suggested I contact the credit bureau to get it corrected. 

I then contacted Equifax and they stated that there is no fraud alert listed on my credit report, and that is all they could do for me. The representative from Equifax provided me with a phone number XXXX ; however, when you go through the prompts the system hangs up on you.
Product: Checking or savings account

I've been a client of Bank of America for over 25 years and was an employee there for 13 years. 

Starting this year, BofA started charging my personal checking account $ XXXX as my balances were not over {$10000.00}. They should have been charging $ XXXX. When I went to the branches, two would not process a change as they were too busy while the XXXX number could only change the type of account I had. It seems that the $ XXXX was a 'high interest checking ' account that pays 0.01 %. If my balances were too low to warrant this high interest checking account that a branch employee switched me to once upon a time without my knowledge, the account should have migrated to the appropriate account type for the balances that I was keeping. To make {$25.00} a month on this account, someone would have to keep over {$55000.00} in the account. As such, charging a low balance account for something that they can not use seems very XXXX XXXX of BofA and suggests a move toward enriching themselves at the cost of their clients by moving them to unsuitable products. I don't care about me and the few dollars that I paid unnecessarily - I'm concerned about all of the people who are being taken advantage of.
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 n i made this clear for 60 days straight witXXXX 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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card

best of my recollection, I went overseas to buried my late father and on the way back, i hit some unexpected delays during my time of travel. Upon reaching back on US soil, I tried to catch up on my personal affairs/bills and noticed this particular account had a remaining balance of $ XXXX {$960.00} remaining of the initial {$4000.00} medical bill that Ive been paying before this mishap of my trip. Ive called and asked the company to allow me to payoff what I owed and to be reasonable of my situation. But instead, the company was too greedy and selfish, and wants to sock me with all kinds of fees/hidden etc because i was a few days off from my promotion time period. I also went to court earlier this year and asked for extension of my case. More than likely, I'd like to ask the company to hold off and allow me to get back stateside from overseas before setting any kind of deadlines etc. The amount now they want me to pay is {$2400.00}, which is almost a {$1500.00} additional fee of what I truly owe. I plan on taking my case in front of the judge as soon as I get back in country.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Balance : {$7300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2800.00}
Product: Mortgage

We 're in the process of selling our home. When we reviewed the settlement statement we noticed a charge of {$89.00} that was titled " Late Charge to Specialized Loan Servicing ''. We 've never been late on any payments so I called Specialized Loan Servicing for an explanation and was treated rudely and in a very condescending manner. This is ironic because I 'm very knowledgeable about real estate finance and it was easy for me to understand the reason for the problem, but the representatives I spoke with seemed to have great difficulty articulating the company 's position which was, in short, that because the payoff quote was good for up to 30 days, they were charging a late fee in anticipation that I 'd be late on my XX/XX/XXXXpayment, which was not yet due at the time of the payoff quote, but which we had in fact paid when it became due. Their tortured explanation caused me to further analyze the payoff quote to realize that not only were we being charged a late fee, but we were also not being credited for the XX/XX/XXXX payment. <P/>My simple request for an updated payoff quote was met with more rudeness, constant interruption, and condescension.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to contact "Experian" through several phone calls and every number I come up with to try are all automated recordings. There is no option to speak with a live person. I am not able to login to my online account with them even after changing my password in order to do so. It keeps giving me a message to call a certain number and it is all automated. This is very frustrating for me and I don't know what else to do to get this issue resolved. Thank youXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. The Accoount from XXXX XXXX Acct # XXXX  open on XX/XX/year> with a balance of {$790.00} do not even belong to me though it shows up on my report. In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, Please Provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit card or prepaid card

Its been a month since I was approved for the new XXXX XXXX XXXX XXXX. Ive called Commenity Bank so many times that its hard to remember how many times Ive called. Theyve lied to me prior about having the second card expedited so they assured me that another would be expedited & I will get it within 48 hours. Yet, still NO credit card & now theyre telling me the same excuse that I keep hearing, there is a delay. They never provide shipping information nor tracking information, they cant even provide secure information on where the card is when you call to ask! Ive already put {$700.00} on the card for a flight & I can NOT access my account without the credit card information. Someone needs to look into this & figure out whats going on at Commenity Bank because I know this is an issue that several people are having.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2023, I fell victim to a multi-layered scam operation run by Scammers which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( XXXX ).
Product: Credit reporting or other personal consumer reports

I went to get a loan. I did not get approved. My credit score went down. There is an inquiry on my credit report from that company. My credit score went down XXXX points.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On the XXXX  XXXX  weekend, I noticed that my home equity loan at Bank of America had a change in how my previous payments were applied. I called them on XX/XX/XXXX ( after XXXX minutes wait ), I talked to a rep from Bank of America about the bank error in the application of my payments and the error in the loan balance. They assigned Case ID # XXXX to my case. Nothing was done. On XX/XX/XXXX, I called the customer service line again and told them that no one acted on the loan error nor has the error been corrected. The rep assured me that within 48-72 hours, the error would be corrected and reviewed by the bank. Today is XX/XX/XXXX and no action has been taken on correcting the bank error on my home equity loan. It has been over 1 month already. There is about a {$4000.00} error in the loan balance in the banks favor. Bank of America is ignoring my requests to correct their system error on my loan.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unverified accounts that remain on my credit report. Please remove the following accounts immediately : XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, ensure that any name on my report that is not " XXXX XXXX XXXX '' is removed. I will be submitting a separate complaint regarding other incorrect personal information directly to the credit bureaus. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

My mortgage was sold twice apparently, in quick succession, around XXXX XXXX. I received mail from XXXX different companies that they both now had my loan, and when I called the XXXX company, XXXX, it appeared I was not in its records, then I received a lot of mail from Fay Servicing. Fay was not up-to-date with its records in XX/XX/XXXX, so I mailed check # 1 on XXXX XXXX, XXXX to cover XX/XX/XXXX and XXXX XXXX ( {$840.00} ). Fay processed my XXXX XXXX payment by XXXX XXXX, XXXX, check # 2 ( {$420.00} + {$30000.00} additional principal ). I have a picture of the check/slip before I mailed it. My XX/XX/XXXX Fay interest/tax record came in the mail and it appeared correct ( it seemed like 3 months of interest ). I paid by phone on XXXX XXXX, XXXX ( # XXXX, # 3 payment ever to Fay ) and the recording was not giving me an accurate due date for the payment. I looked on the back of the monthly statement mailed to me and it stated a {$25000.00} principal reduction and {$5400.00} payment applied. That would mean I would have over 12 months of payments PAID IN FULL and this does not match with the XX/XX/XXXX due date that Fay keeps mailing me. This makes zero sense and does not appear to match the payment breakdown on the front of the XX/XX/XXXX monthly statement, {$29000.00} plus {$710.00} interest. All the monthly statements dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all said payment due XX/XX/XXXX. XXXX, the incompetent account manager assigned to this loan, was giving me different numbers that were in the Fay system that did not match the monthly statements numbers when I spoke to him. This was during the week ending XX/XX/XXXX. I asked for the numbers that were in the system to be mailed to me ; he refuses to call me and deal with this. He said that he would have to do the next phone payment so that it is applied correctly but he never called me so that I could make a payment. I called Fay again before I submitted my XXXX taxes XX/XX/XXXX, week ending XX/XX/XXXX, and I got another rep who said he would discuss this case with XXXX and someone would get back to me. XXXX called me at work on XX/XX/XXXX at XXXX EST, hung up, then I hit redial and got his voicemail. I left him a message but have not heard from him. I called on XX/XX/XXXX and got a rep who I asked to be transferred to XXXX 's supervisor, XXXX, and I left a voice mail. I have received a bill dated XX/XX/XXXX that I owe a {$21.00} late charge for XX/XX/XXXX and I received the latest monthly statement with a XX/XX/XXXX due date.