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

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

CRA VIOLATION / INACCURATE INFORMATION REGARDING NAME, ADDRESS EMPLOYMENT NOT AUTHORIZED BY ME APPEARED ON MY TRANSUNION CREDIT REPORT.
Product: Student loan

I have an account with Ameritech financial, from XX/XX/2016, which I am informed, doesn't apply payments to student loan. I received a letter from the FTC, on how to correct this, with the possibility of a refund of payments to them.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below have violated my federally protected rights to privacy and confidentialiy under 15 USC 1681 XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A. States a consumer reporting agency can not furnish my account without my written instruction 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following information. Any other adverse item of information, other than record 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: Credit reporting, credit repair services, or other personal consumer reports

Noticed a charge on my credit card for {$260.00} reported it as a fraud to Best Buy Security Operations. I received a letter from Best Buy Security stating that this was an automatic charge for a benefit. ( Don't know what the Benefit was for ) They re-billed me and then reported this to the 3 Credit Bureau 's. I did pay the {$260.00} as soon as I received the posted letter XXXX XXXX. I received the letter on XX/XX/2021. Have closed the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX  2. XXXX XXXX

3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX 8. XXXX  9. XXXX XXXX 10. XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received an email from Omega RMS LLC, a debt collection company stating that they've been trying to get in touch with me to resolve my account with them to prevent further action. On XX/XX/year>, I called XXXX, the number provided, and spoke with a representative named XXXX. I informed her that I did not have a contract with their client XXXX and that I sent in a 3 day cancellation notice within the 3 day cancellation period. I requested verification and validation of debt be sent to my address. I also sent an email to XXXX stating the same. I didn't receive the requested information from Omega RMS LLC to validate or verify the debt. What exactly is the charge for? I didn't have a contract. On XX/XX/year>, I received an email from Omega RMS LLC stating that they've been trying to get in touch with me to resolve my account with them to prevent further action. I replied to the email informing them that I have not received verification or validation of the debt and that having failed to send the requested information they were in violation of the FDCPA.
Product: Debt collection

I am filing this FTC Identity Theft Affidavit to report five separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize/authorize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a collection agency account opened at XXXX XXXX XXXX in XXXX of XXXX under the account number XXXX, an collection agency account opened at XXXX XXXX XXXX in XXXX of XXXX under the account number XXXX, a collection agency account opened at XXXX XXXX XXXX in XXXX of XXXX under the account number XXXX, an collection agency account opened at XXXX XXXX XXXX in XXXX of XXXX under the account number XXXX, and a credit building account opened at XXXX XXXX in XXXX of XXXX with no account number provided. These accounts have resulted in five fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws
Product: Credit card or prepaid card

Attempted to call customer service on XX/XX/2019, two hours later, I am still waiting for a customer service clerk to call me back. By way of this complaint, card ending in XXXX was lost and I just noticed it today. Additionally, charge for {$430.00} on XX/XX/2019 is a fraudulent charge based on my lost card.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX. 

XXXX XXXX Subject : Formal Request to Delete Inaccurate Account Information Dear Sir/Madam, I am writing to formally dispute inaccuracies in the information reported on my account with XXXX XXXX. Upon reviewing my credit report dated XX/XX/year>, I identified several errors that significantly misrepresent my account history. These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ) and have caused undue harm to my creditworthiness. 
The following issues are of particular concern : Reported Balance : My balance is listed as {$12000.00}, which does not accurately reflect my payment history or current balance. 

Payment History : The report claims I have made only 50 % of payments on time, which is false. My records demonstrate consistent and timely payments.Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), inaccurate or unverifiable information must be corrected or removed from my credit report. Specifically : 15 U.S.C. 1681i ( a ) : You are required to investigate disputed information within XXXX days of receipt of this letter. 

15 U.S.C. 1681s-2 ( b ) : As the furnisher of information, you are required to conduct a reasonable investigation and promptly delete inaccurate, incomplete, or unverifiable data from credit reports. 
Given the inaccuracies in the information provided and the harm it has caused, I am requesting that the account information in question be immediately deleted from my credit report. 
Please confirm in writing that this account has been deleted, or provide documentation verifying the accuracy of the reported balance and payment history. If the account is not deleted or properly verified, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Additionally, I reserve the right to pursue legal remedies under 15 U.S.C. 1681n ( civil liability for willful noncompliance ) and 15 U.S.C. 1681o ( civil liability for negligent noncompliance ). 
For your review, I have attached copies of payment receipts and account statements to support my claim. Please respond to this letter within XXXX days as required by law. 
Thank you for your immediate attention to this matter. You may contact me at the phone number or email listed above with any questions. 
Sincerely, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus XXXX ; XXXX  to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On my Bank of America XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXX, there was an unauthorized charge of {$980.00} charged by XXXX XXXX XXXX on XX/XX/22. I noticed the fraudulent charge later that night and reported it to Bank of America right away. Bank of America told be to relax and issued me the credit. They canceled the old card and mailed me a new one. 

However, after a week, I see the amount of {$980.00} came back to my account for no reason. I called the bank again, and they told me after their investigation, they decided it was a valid charge ( but It was not since I never used the card ). I let them reopened the fraud claim, but never heard back since then, and the charge was still there.
Product: Payday loan, title loan, or personal loan

Loan at last is not licensed to lend in Minnesota. To date I have paid {$750.00} on a {$700.00} loan. They are debiting my bank account {$94.00} per week, which is supposed to end in XXXX. Almost none of what I have paid already is going to the principle. This is predatory lending.
Product: Credit reporting or other personal consumer reports

EACH TIME I CLEAR UP AN ISSUE WITH EXPERIAN, I.E COLLECTIONS I DO NOT RECEIVE THE SAME POINT PERCENTAGE THAT THEY DECREASE WHEN NEGATIVE ITEMS APPEAR ON MY CREDIT REPORT. EXAMPLE : A COLLECTION APPEARED ON MY CREDIT AND THEY TOOK XXXX POINTS. WHEN I CLEARED IT UP THEY ONLY GAVE ME XXXX POINTS BACK. ADDITONALLY WHEN I TOOK MY CREDIT UNDER XXXX PERCENT WHICH IS A LARGE PART OF YOUR CREDIT SCORE, THEY ONLY GAVE ME XXXX POINTS. THEY ARE NOT REPORTING POINTS PROPERLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX did. Told them this : I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. XXXX should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Product: Debt collection

I have filled multiple ftc identity theft reports and I also told this company that the debt does not belong to me. I even sent the company the ftc identity theft report. this account is still reporting on my credit report, without sending me any validation of this debt. I'm asking for this company to remove this from my credit report as it it preventing fee from getting a house
Product: Credit reporting or other personal consumer reports

I did not authorize the creation of these accounts, and I am certain they are fraudulent.
Product: Credit reporting or other personal consumer reports

These are the companies and inquiries that I do not recognize : XXXX XXXX XXXX XXXX XXXX XXXX IXXXX XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BANK XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/year>, I received a letter notifying me about real estate taxes not being paid and they were at risk of becoming delinquent. 

On XX/XX/year>, I went to the tax offices and paid off the real estate taxes and incurred late fees to avoid becoming delinquent. I then contacted LoanDepot about the issue and was told that they tried to make a payment back in XXXX, but they had the wrong parcel id on file so the payment was rejected. 

When I asked why I did not get any notification about the failed payment or if they had done anything to see why the payment failed, they told me they would investigate this issue and give me an update within 10 business days. During that call, I asked if they would cover the late fees and they said yes, I would be reimbursed for any late fees accrued from them not paying the taxes on time. 


On XX/XX/year>, I had not gotten any communication from them about this issue so I called back. They told me that since I reached out, they had corrected the parcel id on file. 

When I asked about being reimbursed, they said that since they attempted payment, with incorrect information about the property, they were not responsible for any late fees incurred and would not reimburse me. When I asked them to explain how they were not responsible for this, they insisted that it wasn't their fault that they had the wrong parcel information for the property and that I had no recourse. 

I then asked to speak to a manager but all they did was file another ticket with a 10 business day response time. When I asked how any of this will be different than the last time they filed a ticket, they only confirmed the phone number of file and said they'd reach out this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SEVERAL ITEMS ON MY CREDIT REPORT THAT ARE NOT MINE INCUDING A CHILD SUPPORT DEBT. I AHVE NEVER BEEN PUT ON CHILD SUPPORT. I NOTICED IT BECAUSE I RECENTLY APPLIED FOR A CREDIT CARD AND I WASN'T APPROVED SO IT PROMPT ME TO CHECK MY CREDIT REPORT. THESE ITEMS LISTED ARE NOT MINE AND NEED TO BE DELETED FROM MY CREDIT REPORT. 
XXXX {$280.00} XXXX {$890.00}
Product: Mortgage

Mr. Cooper cleared our check for the next year 's mortgage payments ( {$25000.00} ) and has failed to have the amount posted to our account. We have received no explanation for what happened to the funds. 

On XXXX XXXX, the following email was sent to Mr. Cooper via email : Good Morning, My check [ # ] dated XX/XX/XXXX for {$25000.00} cleared my bank account on XX/XX/XXXX for monthly payments from XX/XX/XXXX to XX/XX/XXXX. I was told to contact this address to get the amount posted to my account. 

On XXXX XXXX, the following was sent via email : This is a qualified written request under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ). 
I am writing to get my payments from XX/XX/XXXX to XX/XX/XXXX paid by check [ # ] for {$25000.00} and cleared my account on XX/XX/XXXX to post to my account. 
Attached is a copy of the check. 
My email sent yesterday has not been acknowledged or responded to. 
I understand that under Section 6 of RESPA you are required to acknowledge my request within 20 business days and must try to resolve the issue within 60 business days.

Account No.... 

On XXXX XXXX, we were given a POC [ XXXX ] from the " executive resolutions team. '' He was " still working on it '' as of XXXX XXXX and has not responded to further emails as of XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This is my six endeavor 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, block 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I am an attorney writing on behalf of my client, who has a reverse mortgage. He had been receiving regular monthly deposits to his bank account. His homeowner 's insurance lapsed by accident, the company placed forced insurance, he got his private insurance re- instated, and the company placed him on " repayment status '' for the period the forced insurance was in effect. So far, no complaint. 
The company claims this occurred a second time. It did not, but they have been withholding payments to him since XXXX, 2015, and he is now having trouble purchasing necessities such as food and medicine. 
I wrote to the company a month ago ( a copy of the letter will be attached to this complaint ), but the company has not responded.
Product: Credit card or prepaid card

MasterCard credit card issued by XXXX XXXX XXXX XXXX ( XXXX ) ; offered via email promotion and {$1000.00} line of credit. Brand name FORTIVA Credit Card Card was issued XX/XX/XXXX. With. {$170.00} annual fee@ 29.9 % / 34. % APR. 

Payments were made to this card via ACH direct debit from cardholder checking account. On XXXX, XXXX ; cardholder issued an ACH pymt for current balance @ $ XXXX. Fortiva Card Services claimed the ACH didn't process properly and was therefore, insufficient. 

Cardholder provided bank statements and documents showing funds were available and were valid for transaction debit, in order to reissue the payment. Card services at Fortiva instead closed the account and claimed non payment and reported to the Credit Bureau as closed and settled account @ {$800.00}. 

The promise made by Fortiva to credit back the annual fee, ( prorated ) and keep account open and except minimum payments without reporting to the credit bureau has been breached and non existent. Possible correct balance is {$650.00}. 

XXXX, XXXX credit bureaus are showing this account reported on XX/XX/XXXX closed as settlement. However, cardholder wasn't advised o and wasn't notified of the reporting as closed by creditor without valid reasons. 

Creditor received payment in full $ XXXX right after the discrepancy was corrected by the issuing or receiving bank via ACH. 

Fortiva Card Services representative of XXXX have no idea how to correct this problem nor have direct access to the bank making those decisions. 
Adjustments to the account haven't been processed nor have the customer service department provided valid answer, nor proper information as to where to file a dispute. 




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Product: Credit reporting or other personal consumer reports

Upon doing a thorough research on my reports I found improper inaccuracies on the reports even after they did the thorough verification. I have never been late on the dates listed below please verify these late payments to current! By the provision of the fair credit reporting act I demand these items be investigated and removed from my consumer report it is my understanding that you will reverify these accounts with the creditor that posted them. The account below still shows inaccurate late payments I have circle the many inaccuracies between the consumer reporting agencies! 

ACCOUNTS : Creditor : AXXXX XXXX XXXX  Account Number # XXXX. In Accordance with the Fair Credit Reporting act Convergent Account # XXXX has violated my XXXX XXXX XXXX XXXX XXXX XXXX  States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX. States I have the right to privacy. XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. XXXXXXXX XXXX XXXX XXXXXXXX Definitions ; rules of construction- Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXXXXXX XXXX XXXX XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
Furthermore, I am requesting that you provide me with, in writing. the reasonable procedures ( according to XXXX XXXX XXXX ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX ( b ) Accuracy of report : -Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I NEED THE TRACKING NUMBER & COPY OF THE NOTICE REQUIRED UNDER SECTION XXXX THAT WAS SENT TO ME IF YOU CAN NOT FURNISH THIS INFORMATION THIS LATE PAYMENT IS INACCURATE AND VIOLATES MY RIGHTS UNDER THE FCRA. Consumer reporting agencies shall not furnish incorrect information unverified from creditor these accounts must be deleted this is defamation to my character. Please Assist thank you.
Product: Debt collection

CREDIT REPORT DISPUTE LETTER XXXX  DOB : _XXXX SSN XXXX XXXX Street Address : XXXX City, State, Zip : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX Dear XXXX XXXX I am writing this letter to dispute the following information that appears on my XXXX credit report : Account number / Identifying information : XXXX Date associated with the disputed item : XX/XX/XXXX Explanation of the inaccuracy : The account is not mine. 
Thank you for your assistance in this matter. 
Sincerely, XXXX  XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report and I see inquiries that I did not authorize. This has been extremely frustrating and scary considering someone has been applying for credit using my information.
Product: Money transfer, virtual currency, or money service

I have my direct deposit going through cash app and I still have not received it my job a has sent it but it is no where to be found. My last direct deposit posted no problem but this one is no where to be found. I have no way of contacting cash app to see where my direct deposit is and it is wrong that I can not locate my money to pay my bills.
Product: Checking or savings account

On XX/XX/2023 I used a ATM in New York. I called Citizens Bank to raise my ATM limit and with a Citizens employee on the phone with me the entire time, I tried to make 3 transactions for {$500.00} each. NO money came out of that ATM. Citizens took the {$1500.00} plus fees out of my account. The Citizens employee was aware of this and filed a dispute. About two weeks later the money was returned to my account. XX/XX/2023 Citizens sent a letter stating that there was no issue at the ATM and took the {$1500.00} back out of my account causing overdraft. My bills are being returned and my credit score has dropped because of this. Citizens then said they would report me to check systems because my account has been overdrawn. Ive called them multiple times requesting that they correct their mistake only to have the issue not corrected. Citizens has sent me letters saying their decision stands. Thats all they say with no explanation. Ive even asked the employees at Citizens to show me where they got their decision from and not one person would answer my question.