23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We recently refinanced our homes with XXXX XXXX XXXX. The refinance was initiated on XX/XX/2021. The refinance was completed on XX/XX/2021. The loan was paid off in full ( see proof of statements attached ) to our current bank -- Guaranteed Rate, XXXX. and servicer XXXX XXXX XXXX. The receipts show that the principal balance was paid in full on XX/XX/2021. We received updates from our new servicer, XXXX XXXX XXXX, requesting for payments starting XX/XX/2021. On XX/XX/XXXX, we received yet another letter from our old lender/servicer ( Guaranteed Rate LLC. ) informing us that the servicing of our loan is now transferred to XXXX starting XX/XX/2021. We now have two lenders asking us to pay two mortgages on the one loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, on XXXX XXXX I submitted a complaint about the credit reporting agencies concerning XXXX bankruptcies on my report. 
These are the complaints that I sent, XXXX XXXX XXXX XXXX XXXX I never complained about the accuracy of those bankruptcies. My complaint was that they should be removed. The law clearly states that I have the right to privacy per 15 U.S.C 1681. Also the courts do not provide bankruptcy information to the credit reporting agencies. I submitted my documents including the letter from the court stating that they do not provide said information. Those items should be removed given that's the law.
Product: Payday loan, title loan, personal loan, or advance loan

I have been sick with severely documented XXXX and stop making payments in XXXX XXXX  because I wasn't working as a XXXX employee being sick. I communicated that early on to the office around XX/XX/ ( 30 days BEFORE the loan was even to be considered late ) and I even filled out the new application on their website and spoke to XXXX at the local branch in XXXX, Texas for a new consolidation loan to prevent any lateness they would not approve it it, so I ended up missing my first payment in XX/XX/2023 as projected. Since XX/XX/2023 this company has called my work cell phone, left messages, and sent several collection letters in excess of 7 times a days 7 days a week and is in violation of the Fair Credit rule for debit collecting. I have express that is my work number and requested them to stop and the response from XXXX at the local office is that " The company REQUIRES them to call and leave message Monday-Saturday the hours they are open.
Product: Credit reporting or other personal consumer reports

I have been affected by the Equifax Data Breach. My credit report indicates two illegal fraudulent accounts in collections that do not belong to me. I have attached a letter with the information. I have contacted the credit report companies, and nothing had been accomplished as far as an investigation to these accounts. These two collections have severely impacted my life due to my credit score being affected. I have also attached proof of Equifax admitting my personal information was affected making me a victim of the date breach.
Product: Credit reporting or other personal consumer reports

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

PLEASE CHECK ATTACHED LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete any other references to names as they are not mine and I have never used any of them. 

Please be sure that my address is listed correctly. My address should read : [ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX, Mo XXXX ] Employer : XXXX Phone Number : ( XXXX ) XXXX Social Security Number:XXXX
Product: Credit card or prepaid card

I have had four disputes with Synchrony regarding a delivery of appliances that was delivered and then taken back by the delivery company due to my frustration that they did not have the entire appliance order that I made. Synchrony has had four chances to resolve the dispute and they have not undertaken a full investigation and solely relied on mistruths by XXXX  that the delivery company " delivered '' the appliances. Yes, they delivered them, and then they took them back.

I was in touch with the President 's offices of Synchrony, XXXX XXXX, and he has not initiated communication at all other than an introductory email. Synchony, as is typical, has not notified me in a timely manner as to the dispute resolution.

Attached find a chat I undertook with Synchrony to find out the dispute resolution as Synchrony has not notified me of their " resolution ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter requesting that you reinvestigate the disputed Accounts from my credit report as well as correct these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. The following accounts are listed below : XXXX XXXX XXXX Balance : {$1900.00}, XXXX  XXXX XXXX Balance : {$3200.00}
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear XXXX : This letter is to formally request a security freeze on my credit report. 

I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX Current Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

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

AN UNKNOWN 30 DAY LATE IS REPORTING ON MY CREDIT REPORT IN ERROR FOR THE MONTH OF XXXX  2017.
Product: Debt collection

Reported : XX/XX/2023. By : Bridgecrest Amount : {$7200.00} Action was : I spoke with company informing them of the fraud and that this debt was not mine.Then they informed me to file a complaint to CFPB.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account # XXXX opened on XXXX XXXX {$680.00} XXXX  XXXX Account # XXXX opened on XXXX XXXX {$530.00} XXXX Account XXXX XXXX opened on XXXX XXXX XXXX Account # XXXX opened on XXXX XXXX {$680.00} XXXX  Account # XXXX opened on XXXX XXXX {$1700.00} The accounts listed above were opened fraudulently without my permission. My personal information and identity were comprised and used to open credit card accounts and charges that I DID NOT authorize nor DO. I have already filed an identity theft report, a police report, and complaints with the XXXX XXXX XXXX. As a direct result of this my persona credit has been severely damaged.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly a collection/charge-off in the amount of {$14000.00} on XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was stolen and I was covered by insurance with XXXX. I have attached a copy of my insurance and I have also attached a copy of the Incident Report ; Case Number XXXX. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Bank account or service

on XX/XX/2016 I ordered a t shirt online from a company called XXXX. I paid {$28.00} with XXXX. About an hour after I ordered I tried to cancel the order. I tried to call the phone number shown on the XXXX transaction history. There was a different number on the companys web page and I called that. Neither line worked. I tried to email them with me response. As far as I was concerned this was not a legitimate business. I went to my bank to file a dispute, since the item was paid for on my debit card through XXXX. They told me I had to go through XXXX. So I did, and after 10 days the case was resolved in my favor. I had to wait those 10 days before the money was refunded to me. The refund was processed on XX/XX/XXXX and credited the full {$28.00} to my XXXX account. I then transferred the funds to my checking account. During this time, several checks were returned for Insuffiecent Funds, due to the waiting period I was made to take during the process. I took all the information to my bank and showed them how it was ruled in my favor. I was asking for those NSF 's to be reversed and my account corrected. They refused to do so, telling me it was not their responsibility. They gave me such a runaround I got very frustrated and did not contact XXXX. But the transaction was paid for using my debit card, so in my opinion it is the banks responsibility to refund those NSF s and straighten my account. My checking account has been in an uproar. ever since that time. I did not know this place existed or I would have filed a complaint against the bank sooner. This bank has given me the runaround several other times on similar matters. On XX/XX/2016 I tried to make an ATM deposit at approx. XXXX to coer what I knew whould be a charge coming through. The ATM was closed. I went back about XXXX and the ATM was still closed. The message on the screen said to go to their other locations. This bank has closed XXXX local locations with in the past year or two. One was just closed a month prior to my experience. The closest AT was in XXXX, IL and I did no t even know where in that town. It was about 15 miles away and I am not that familiar. I took a photo of the ATM screen and then the clock in my car showing what had happened. I deposited the money on the XXXX, but of course it was too late and I had an NSF. I called the bank to explain and get that corrected. I told htem I had the photo. They told me that the ATM being shut down was " out of their control '' and not thier responsibility. It was the responsibility of the company that runs /services the ATM. Then I was told, " If I had a transaction to cover, I would have done everything I could havr to get it done '' telling me it was my fault I did not go to XXXX, IL to that ATM. I do n't know where it is located and anyway it is unreasonable because they recently closed the only branch left near my town of XXXX. So this bank has a history of trying to get out of refunding NSFs. I think they need to be investigated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX CoreLogic, XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Dear CoreLogic Dispute Department, I am writing to formally request verification of all accounts listed on my consumer report, in accordance with Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ). Federal law mandates that you verify, through the physical verification of the original signed consumer contract, any and all accounts that you report on a credit file. Without such verification, there is a risk that fraudulent accounts could be submitted via fax, mail, or email by unauthorized parties. 

I demand to see verifiable proof, specifically an original consumer contract bearing my signature, for each account reported under my name. Your failure to positively verify these accounts has adversely impacted my ability to obtain credit, and as stipulated by the FCRA, any unverified accounts must be promptly removed from my credit report. If you are unable to provide a copy of this verifiable proof for any account, you are required by law to delete the account from my report immediately. 

I demand that all accounts on my report be verified or removed without delay. 

Please provide me with the verification documents at your earliest convenience, or proceed with the removal of any unverified accounts from my credit file. 

Failure to comply with this request in a timely and adequate manner will leave me with no choice but to pursue legal action to enforce my rights under the FCRA. 

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

I had 11 accounts from XXXX through XXXX student loan service. I have experienced financial hardship and had to consolidate my loans in XXXX. At that time my loans were serviced through XXXX  XXXX service. XXXX listed the 11 accounts as paid in full and the accounts as being closed, however they are still reporting on my credit report to date which is currently affecting my credit score and showing negatively on my report when it the accounts are supposed to be closed. Ive reach out to XXXX and they have no knowledge of my account. I have filed a dispute with XXXX XXXXXXXX, and all credit bureaus and it continues to report
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/21 XX/XX/21 I call them they were rude my question was if they can delete hard inquiries in my trans union and XXXX and they said they cant when does enquirer are not my please can u delete them I give u permission
Product: Money transfer, virtual currency, or money service

Between XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX XXXX and XXXX XXXX which involved me making deposits for a total amount of XXXX CAD from my CRYPTO.COM account to fraudulent investment firm ( s
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexington law has sent me a letter stating that I could do have service again I called the XXXX number on the letter I received. I called the number on the that was on the letter and I processed a new issue with Lexington law and they told me that in a journey I close my account. I'm just putting this issue is her contradicting their statements from the letter and what their product issue is and I'm very dissatisfied with what's been going on.
Product: Checking or savings account

Dear Sir or Madam : I have been a Chase customer for over two decades. I have several accounts, including a Business account, a premier checking account, a regular checking account, a mortgage, and am in custody of two other accounts ( as a power of attorney ), a checking and an investment account. The daily balances on these accounts are over {$20000.00}. 

Today when I wanted to long into online banking, I was blocked by several new agreements concerning online banking. In essence -- and with no option to opt out -- in order to access my account, I am obligated to agree to receiving only electronic communications on these accounts, to accept any fee that the bank deems appropriate or necessary if I wish to obtain paper statements, and waive my rights as a consumer when they make any mistake online and I miss it. 

I can not agree to these terms and conditions, but I am blocked out of accessing my account if I do not agree to. They provide an option to withdrawal consent by mail or phone, however, their terms also state that they have the right to deny this withdrawal and to charge additional fee for any account on which I withdraw consent for electronic-only communications. This is a form of extortion and they are holding access to my funds and account hostage, if I do not agree. 

When I opened my accounts it was never under these punitive agreements, and believe that these actions violate my original contract with this institution. I would like your help in bypassing these digital-only agreements, and any fees that they are charging punitively, for not agreeing to them. 

I would appreciate that you investigate these new policies and actions on behalf of myself and other consumers who never agreed to online-only communications and the bait-and-switch tactic that Chase is now trying to impose on its customers and the consumers of the US. 

As a taxpayer, I have bailed out these institutions over the years, and we deserve to be treated fairly and have in some small way to have our rights protected by the government. 

Thanks in advance for your assistance.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am reaching out once again regarding the inaccurate address and charge off account that persist on my credit file despite previous attempts to rectify the situation. 

It has come to my attention that the fraudulent entries have not yet been removed from my credit report, despite numerous requests. This continued presence of unauthorized charges is deeply concerning and detrimental to my financial well-being. 

I can not stress enough the urgency of this matter. These fraudulent items not only tarnish my credit history but also pose a significant threat to my financial stability and reputation. 

Therefore, I urgently request that you take immediate action to remove these fraudulent items from my credit file. I expect prompt confirmation once this has been successfully completed. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$3300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

SinceXX/XX/XXXX I have sent out paperwork 4 times and I have been told thru management that they have received the paperwork and then next week " we didn't get it pls send in again '' I call noone can tell me anything but send it in I ask for name change and dispute some things and find info on how to fix and make my credit better and out of the times I called it was unprofessional unpredictable and stressful XXXX had updated it but the rest of them us giving me problems can someone pls help me in this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXX. XXXX XXXX account ending in XXXX, which was charged off. 
2. XXXX XXXX account ending in XXXX, which was also charged off. 
3. Collection account from XXXX XXXX XXXX ending in XXXX. 
4. Collection account from XXXX XXXX XXXX XXXX XXXX XXXX  ending in XXXX. 
5. Collection account from XXXXXXXX XXXX ending in XXXX. 
6. Charge off account from XXXX XXXX XXXX XXXX. 
7. Charge off account from XXXX ending in XXXX. 
8. Inquiries from XXXX XXXX on XX/XX/XXXXXXXX and XX/XX/XXXXXXXX 
I believe these items are inaccurate and not reported in compliance with the Fair Credit Reporting Act ( FCRA ). As per the FCRA, credit reporting agencies are required to report accurate information and conduct reasonable investigations into any disputed items. 

I am disputing the accuracy of the aforementioned accounts as I have reason to believe that the accounts were not reported accurately. I have never held accounts with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX Bank, XXXX XXXX XXXX. Furthermore, I did not authorize XXXX XXXX to conduct an inquiry into my credit report on the dates mentioned. 

I request that you conduct a thorough investigation of these accounts and remove them from my credit report if they are found to be inaccurate. I also request that you provide me with a free copy of my credit report once the investigation is complete. 

Thank you for your attention to this matter. 

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

Pursuant 15 USC 1681b ( a ) ( 2 ) a consumer reporting agency may furnish a consumer report under following circumstances and no other in accordance with the written instructions of the consumer to whom it relates! I XXXX XXXX as the consumer has NEVER gave any consent for XXXX, Transunion or XXXX to furnish this account ( XXXX XXXX XXXX ) and inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX ) on my consumer report! As consumer reporting agencies, pursuant to 15 USC 1681e ( b ), you're failing to follow reasonable procedures to assure maximum possible accuracy of the information being reported on my consumer report. Your actions is damaging my reputation, character, credit worthiness!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections XXXXB, XXXX ( f ) and XXXX ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XXXX-XXXX-17 I called to inquire why I was not receiving my statements. I was advised by the branch manager XXXX XXXX that the third party affiliate of XXXX XXXX XXXX ( XXXX? ) No longer sends out paper documents. I have to go online. I advised that I have the right as a consumer to request paper documentation. They said that I could not request this information to be mailed and there was nothing that they could do for me. I find it very unprofessional that they do not respect my rights. If they can not respect my rights the debt should be waived in full.
Product: Credit reporting or other personal consumer reports

They will not correct my credit report even though payments on time. I was in forbearance and then negotiated lower payment, but still sent negative report to credit bureau
Product: Debt collection

I unfortunately can not view the records of my XXXX account because they closed my account without warning after I reported my account balance was incorrect. I was overdrawn in my checking account and that was inaccurate. I was in a store over the summer on XXXX and XXXX in XXXX and was making a purchase he had my card and charged me the wrong amount. I did tell the business owner and he said he voided the transaction. Well it still showed up on my account. I was then charged numerous over draft fees because that XXXX dollars never was returned to my account. So actually XXXX XXXX  owes me {$40.00} and I tried to get them to dispute that charge and was never given any help. I never received anything for the XXXX that was taken and I am not paying an additional {$260.00} for XXXXs negligence. I tried they didn't listen then they took access away from my account so I can not even straighten it out with them.
Product: Debt collection

There was a car accident that I was never involved in and the other party used a either a lost or stolen ID of mine has the responsible driver.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to purchase a car and my credit was pulled for inquiries that I did not approve for.