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

Hi I am submitting this XXXX 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 with 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 tXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit card or prepaid card

My Father was compromised with Citi bank CC twice. I am his POA and his daughter. The first time I was not even aware since he was living on his own ( XXXX ) and he called them on his own. They took care of the fraud and I think sent another card. By the time I found out we were together in a dollar store and his card was declined for a mere few dollars. We immediately called roughly around XXXX XXXX. After talking with fraud department, card was shut down and told us not to worry. Since the charges were so many, around {$12000.00}, we were told since he is a long time customer, check off his charges and send a check. The rest was going to go to fraud and taken care of. This was also to be expedited. We did as told, and sent a check for {$500.00} on XX/XX/XXXX and even enclosed a note to remind them. ( why his card was not red flagged immediately I will never understand ). 
We continued to receive bills but were told when I called that it was computer generated and assured it was being taken care of. We then received a letter about the dispute that we were not responding therefore closing the case. I called and re-explained that I was handling this and POA and he was now in assisted living and hard of hearing. Long story short, I have dated and documented all my calls. One call told me the charges were being worked on to not worry. Another Call documented tells me it was zero balance and would see this in 3-5 days. I could not get into his online account and decided that I need not worry since I was already told it was Zero. 
XX/XX/XXXX, I received a letter of collections for {$7400.00}. I have copies of bill and told the collections this story and also submitted all that I could to show them that at XX/XX/XXXX years old his charges were minimal and they should clearly see this. He has no XXXX, no internet, and nowhere to go. I am honesty trying to clear this for him since he has been wronged, and here I am pleading for help.
Product: Debt collection

As the fiduciary of the estate of XXXX XXXX XXXX, I have the right to the information I am seeking and the information I have sought numerous times in the past. SPS continues to fail to cooperate with legitimate inquires to validate their alleged false claims.

1- Failure to adequately and sufficiently respond to Notice of Error or Information Request or Qualified Written Request dated XX/XX/2018 and XX/XX/2018. ( See attached requests ) 2- On XX/XX/2018 a property evaluation was ordered and completed by SPS in the amount of {$120.00}. I demand a copy of this report and all related documents.

3- Failure to adhere to Laws of New York State SCP Surrogate 's Court Procedures : " Every claim against the estate of a decedent other than claims for expenses of administration and claims of the United States or the state of New York must be in writing, contain statement of the facts upon which it is based and the amount thereof. In addition the fiduciary may require the claimant to present proof by affidavit that the amount of the claim is justly due, that all payments thereon, if any, have been credited, that the claimant knows of no offsets and no evidence of indebtedness and holds no security, except as specifically described in the affidavit. '' As the fiduciary of XXXX XXXX XXXX 's estate, I am requiring the claimant to present proof by affidavit. In addition, please identify the security in such claim.

4- As a reminder, as fiduciary and based on reason to question the validity of any claim, I reserve the right to present a petition to the court showing the facts and praying that the claimant or possible claimant be required to show cause why his claim, if any, should not be disallowed. 

To date, the estate of XXXX XXXX XXXX has yet to receive a valid claim from SPS or it's associates.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report :
Product: Credit reporting or other personal consumer reports

Please take a look at my credit profile it is not accurate In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, Transunion, and XXXX to reinvestigate these 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 XXXX XXXX XXXX they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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: Checking or savings account

Once again Frost Bank has overdrawn my account, 3rd month in a row! You hae done nothing to assist me and you allow them to continue stealing from a XXXX person! My account is XXXX, 2 checks {$230.00} + {$140.00} we're sent to the same credit company on the same day XX/XX/2018. 
I did not authorize and once again XXXX Mgr is involved, this is delibrate! Againist the Law. I want my money back immediately cause I won't sop here I assure you and XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX/XXXX  credit company address : XXXX XXXX XXXX XXXX OH XXXX improperly investigated a dispute I made with them in XX/XX/XXXX. I had mailed in three copies of auto payment forms only not to be enrolled. I followed up with a phone call in XX/XX/XXXX to make sure auto enrollment was completed and set up for this account. They confirmed it was, but then in XXXX and XXXX of XXXX two payments were not made by auto payment. I reached out to them letting them know this is an error on their part and shouldn't have happened. I am requesting these missed payments along with the payment ion XX/XX/XXXX be removed from my credit history as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. XXXX ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using an XXXX SYSYEM IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and false names are still being reported which is NOT my name. The addresses and names for each credit bureau should match. I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for and have not been properly investigated : Accounts : XXXX XXXX : XXXX XXXX : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, fraudulent accounts have been opened in my name without my knowledge or authorization. In accordance with 15 USC 1681c-2 ( a ) and FCRA XXXX ( b ), I am requesting that you block and delete the following accounts and any related inquiries 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
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed my account with XXXX XXXX XXXX XXXXXXXX that was not reporting accurately. I had XXXX late payment on this account that I was in fact paid on time. The consumer reporting agencies have the need to report all information with complete accuracy. This account has not been late on any payments, and I've attached a copy of my report to this complaint on the following date of XX/XX/24. I am now requesting you investigate and provide verifiable proof with records showing that I had a late payment on XX/XX/24, If this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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

Someone has stolen my identity, apparently to open accounts and gain profits in my name. I'm not sure who did this to me. Not sure how they obtained my information. I don't know quite where to go from here. 
These are the accounts that was opened in my name. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to Fair Credit Act all credit bureaus must be accurate with reporting to all XXXX bureaus. In accordance with Fair Credit Act these companies listed has violated my rights. 15 U.S.C. 1581 Section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX It also states a consumer report agency can not furnish an account without my written consent. 

These are the hard inquiries XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX na XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Cr XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXe # XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX # XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX. 

Also, all information on reports must match across all XXXX bureaus, and every account has numerous errors on them. None of them matches up on the same on all three bureaus. 

In closing these accounts are the result of someone else taking advantage of the loopholes. I ask that something be done about this immediately.
Product: Mortgage

Problem Company : SPECIALIZED LOAN SERVICING. Problem : I am paying my monthly loan payment in advance before the date it is due and instead of crediting my loan payment to my loan as a monthly loan payment the company is crediting my payment as a " principal only '' payment and then when the monthly loan payment due date arrives the company is stating that they never received my monthly loan payment. Then, the company is marking me as not paid and is then charging me a " late fee. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX. I am reaching out to have the negatives removed from my credit report. The items don't belong to me and they are impacting my score tremendously and I ask that they be removed from my credit file.
Product: Vehicle loan or lease

I WENT TO AQUIRE FUNDS AT LENDMARK FINANCIAL SERVICES, LLC ON THE DATE OF XX/XX/XXXX AND XX/XX/scrub>XX/XX/XXXX. ON XX/XX/XXXX I WENT TO AQUIRE A VEHICLE AND ON THE DATE OF XX/XX/scrub>XX/XX/XXXX I WENT TO AQUIRE FUNDS. BOTH TRANSACTIONS INVOLVED MY SOCIAL SECURITY NUMBER. I HAVE BOTH PROMISSORY NOTES AND IM CONFUSED ABOUT THE AGREEMENT BETWEEN ME AND LENDMARK FINANCIAL SERVICES LLC. MY PAYBACK ON BOTH ASSETS IS DOUBLE THE FUNDS I NEEDED. IS THAT ILLEGAL IN ALABAMA OR THE UNITED STATES LAW? 

USC CODE 9-102 ( A ) 65 ALABAMA CODE TITLE 8.COMMERCIAL LAW AND CONSUMER PROTECTION 8-8-12 ( A ) ( B ) ( a ) Except as otherwise permitted by law, all contracts for the payment of interest upon the loan or forbearance of goods, money, things in action, or upon any contract whatever at a higher rate than is prescribed in this chapter are usurious and can not be enforced except as to the principal. 
( b ) The borrower of money at a usurious rate of interest shall not in any case be required to pay more than the principal sum borrowed, and if any interest has been paid, the same must be deducted from the principal and judgment entered for the balance only ; provided, however, that the defense of usury may not be pleaded against a holder in due course of any negotiable instrument. 

PUBLIC POLICY HJR - 192 IM LOOKING TO GET THIS RESOLVED IMMEDIATELY PLEASE. I WILL INFORM THEM BY MAIL AS I DID VERBALLY. PLEASE FOLLOW UP WITH ME AS SOON AS POSSIBLE. PLEASE FOLLOW UP WITH LENDER AS WELL TO LET THEM KNOW YOU ARE INVESTIGATING THESE ACTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this message in regard to several violations that you have broken. 
1.You refused to correct information on my credit report after being provided with proof several months ago, and this has been an on going incident that is not fixed, I have filed a law suit for defamation and willful injury upon FCRA Section 623 which you will be charged {$1000.00} per erroneous accounts and inquires that are fraudulent. All inaccurate accounts and inquiries listed below are unverifiable information, you have taken more than 90 days to resolve this matter. You then didn't apply the steps as to how and whom which this account has been falsely verified and again you are violating several sections along the FCRA. I am a victim of identity theft, my information was leaked in more than 13 breaches including the recent breach with XXXX, XXXX, XXXX  XXXX, and more. I am asking for you to perform an internal investigation allowing a total of 3 business days only. I have attached the dates and receipt when i sent several certified letters during the month of XX/XX/XXXX. I have all the evidence the prove that you are violating my rights and as a consumer i am liable to sue you for placing inaccurate items to my credit report causing pain and distress discomfort ability. There is an incorrect balance on the XXXX XXXX. The correct balance is {$100.00} please be advised that this is the correct balance for this month so please fix it. Thank You. Also an in correct address is listed on my credit report. I have never lived at XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, please be advised that this address needs to be removed, i have never lived at that address, and that is incorrect information. 

Fraudulent Accounts : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX  XXXX XXXX  XXXX 4. XXXX XXXX XXXX  XXXX 5. XXXX  XXXX/XXXX  6. XXXX 7. XXXX {$1900.00} XXXX Inquiries : 1. XXXX 2. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts below has violated my Federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
Accounts below, have violated my rights 15 U.S.C.1681section 602 A States I have the right to privacy Accounts ; 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 XXXXXXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 604 A section 2 : It also states consumer reporting agency can not open an account without my written instructions 15 U.S.C. 1681 ( c ) ( a ) ( 5 ) Section 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 antidotes 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 reasonable cause to believe that the information is accurate.
Product: Money transfer, virtual currency, or money service

My account was automatically close or ban no warning I have no dispute or illegal activities transaction to my account. So I need help to restore my account because it's unfair to my side tank you
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, ( CFPB Complaint # XXXX ) I submitted a complaint concerning several accounts on my credit report, citing identity theft. I have followed all necessary procedures, including providing a valid identity theft affidavit, to prompt a complete and thorough investigation. 
However, in response, your agency has simply stated that the accounts in question were verified without supplying the actual sources or evidence relied upon for this verification. This failure to provide the requested documentation or a detailed account of the verification process runs contrary to the transparency and accuracy obligations imposed on consumer reporting agencies under FCRA 611.

FCRA 611 and Request for Reinvestigation As a result, I formally request that your agency conduct a reinvestigation of the disputed items in accordance with FCRA 611. Specifically, I demand that you : XXXX. Provide the source of information used to verify the accounts in dispute this includes identifying the furnishers or third-party entities contacted during your verification process, as required by law. 
XXXX. Confirm whether your agency contacted the Federal Trade Commission ( FTC ) regarding the identity theft affidavit submitted this confirmation is essential to ensuring that due diligence was followed in verifying the accuracy of the contested items.
Product: Mortgage

On XX/XX/2023 a tree fell on my house. 8 days later the adjustor for my insurance came out for damage estimate and gave me a check stating that they had to include my mortgage company as a payee, don't endorse the check, send it to Newrez for endorsement when they return it, I can then endorse and process the check to begin repairs. I immediately contacted Newrez customer service department. The agent that answered the phone didn't try to transfer me to any other department, insisted that I commit to a date that I would be making my next mortgage payment ( that wasn't due yet ), then gave me the address. I sent the unendorsed check by overnight mail on the XXXX of XXXX. They signed for it on the XXXX, and we didn't hear anything until the XXXX of XXXX, when my wife XXXX XXXX XXXX called. She navigated her way through a confusing automated menu, and finally got to the correct department, to be told that this was the 1st time that we called. Got a very brief walk through their process, told that we needed to fill out an owner 's affidavit and send in a copy of the adjustor 's report. We sent that paperwork XXXX on the XX/XX/XXXX ( signed for on XXXX ). We waited until the XXXX when again we called. 
I was told that they see the check, was there and the other paperwork was there, but not uploaded yet. Once the paperwork was uploaded they would decide how to proceed with processing the check.I waited until the XXXX hearing nothing I called back, being told they would be sending the check back to us for endorsement to send it back for an 8-10 day processing before initial payment was issued. Unsatisfied I went to my insurance office and the office manager called on my behalf. Now being told we also needed to send in a signed contractor 's estimate, and we are given a tracking number for the check being returned to us. XX/XX/XXXX not seeing any activity on the tracking number given ( that was created on the XXXX ) I called yet again, to be told that the check was sent out on the XXXX by standard mail. I then asked to speak with a supervisor. I then was told that the check was being sent out XXXX on the XXXX of the XXXX, and a return label was created and emailed to me, verified I received it, and stated I could either print the label myself or take it to a XXXX XXXX and send it back overnight. All this time, the only thing we've been able to do is have the tree removed and sit and wait as our roof continued to leak having to be tarped again, which caused more damage. Getting no answers as to why it was taking so long to get this processed for repairs to be made.