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

I am writing to formally contest and dispute the inaccurate reporting of the accounts on my credit report. Upon contacting the relevant companies, it was confirmed that an error had indeed occurred. Additionally, assurances were given over the phone that the accounts would be promptly updated. Your bureau is legally obliged to conduct a thorough and timely investigation of disputes, including a review of all pertinent information submitted by the consumer, in this case, myself. Both XXXX and XXXX have already rectified the inaccuracy of these accounts on my report. Therefore, I kindly request that you take immediate action to update these erroneous accounts 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

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : DISPUTE REGARDING ADDRESS AND PERSONAL INFORMATION ON MY CREDIT REPORT Dear CFPB, I am writing to dispute the reporting of multiple addresses and certain personal information on my credit file. My correct and only address is : XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX. 

I have resided at this address for more than 20 years and do not wish to have any other addresses associated with my credit file. All other addresses must be deleted from my report as they are inaccurate or outdated. 

Additionally, I do not authorize the inclusion of my phone number or email address in my credit file. I value my privacy and prefer not to have this information listed. 

Furthermore, I explicitly request that my employment information and any records related to my college or academic status be removed from my credit file. This information is not accurate and should be deleted. 

LEGAL BASIS FOR MY REQUEST According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to maintain accurate and up-to-date information on credit reports. Specifically : SECTION 609 ( A ) ( 1 ) : Consumers have the right to access and dispute inaccuracies in their credit report.

SECTION 611 ( A ) : Credit reporting agencies must investigate disputed information and correct or delete inaccuracies promptly.

SECTION 605 ( D ) : Only accurate and necessary information may be included in credit reports.

It is improper and misleading to list more than one current address on a credit file, as it may create confusion for creditors or potential lenders. Including unnecessary personal information, such as phone numbers or email addresses, further violates privacy expectations under FCRA. 

REQUESTED ACTION XXXX. DELETE ALL ADDRESSES FROM MY CREDIT FILE EXCEPT XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX. 
XXXX. REMOVE ANY LISTED PHONE NUMBERS OR EMAIL ADDRESSES FROM MY CREDIT FILE. 
XXXX. DELETE ALL INFORMATION RELATED TO MY EMPLOYMENT AND COLLEGE STATUS. 
XXXX. PROVIDE ME WITH AN UPDATED COPY OF MY CREDIT REPORT REFLECTING THESE CHANGES. 

Please treat this letter as a formal dispute under the FCRA. I expect a response within 30 days of your receipt of this letter, as required by law. 

Thank you for your prompt attention to this matter. Should you require additional information, you may contact me at the above address. 

Sincerely, XXXX XXXX XXXX XXXX H XXXX, NY XXXX
Product: Mortgage

I have been calling since XX/XX/2023 about my escrow payment going up. I discovered my county tax office removed my exemption in error. I immediately had it corrected and submitted documentation to Rocket Mortgage showing they have revised my tax bill and issued a refund for overpayment as well as corrected next years tax bill. I uploaded it while on the phone with the representative who told me to give it abut a week to update. 

Since then I have gotten the runaround and told a variety of things, such as it takes 30 days to update or it's being reviewed on the XXXX all while it states on the portal that I must make a decision about what to do with the escrow overage by XX/XX/XXXX, but then goes to NOWHERE for me to select one. I have called asking for help on XX/XX/XXXX, XXXX, XXXX, XXXX and now today, the XXXX. 

I can not afford this new amount and I can not pay it. I have never missed a payment and nobody is working to get this resolved. I will be in foreclosure within 2 months if i'm forced to make a payment that is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX : {$2800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX  XXXX XXXX XXXX XXXX : {$2800.00} XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$350.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Over the past year Wells Fargo has sent me money either because of the law suit or that I over paid them the monthly mortgage hoping the extra would go on the past due balance. So here I am trying to give them more and past due but they dont want the extra money and give back to me. It makes no sense. Why give me what was about XXXX in checks from a law suit and then probably another XXXX on over paying them when I am past due? I am trying to pay off the past due amount the only can right now. The we are here to help again bull XXXX! They are setting me up to loose. They clearly dont want my money and would rather kick a white American family with small children out to let some illegal XXXX get my childhood home. When I call I get some random XXXX thats doesnt know XXXX. I just want to deal with XXXX person not random people.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fess I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees do to lagged posting of charges and credits. This issue aligns with the CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

I sent out a dispute letter in XX/XX/2022. I requested to validate the medical debt and informed them of a HIPPA violation as they sent my information containing sensitive information I did not authorize to release. Their response to me was that my dispute was deemed frivolous or irreverent They also did not validate the debt or confirmed if they are a legitimate business or legally allowed to collect debts in my state of Nevada
Product: Credit reporting or other personal consumer reports

I have recently disputed a XXXX XXXX as a fraudulent account which was a charged off auto loan. Unfortunately, the account is listed as a duplicate account on my credit file. Its now two charged off accounts with different account numbers. This goes against the FCRA laws, and Ill like deletion and action taking upon this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX, reported my account 30 days late on XX/XX/2022. 

This information is incorrect and I want this to be corrected on my credit report. 

I have never been late. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) 1,200 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Thank you.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the REMOVING of the erroneous information which is being posted to my 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
Product: Debt collection

I have asked CB Bessemer XXXX to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Debt collection

They said any inquiry can be on your record for seven years also reported on here you clearly look at my report and see I will go to arbitration if this is not off my report within the next month And I know a charge of is gross or ordinary income it is Cancel Debt and not supposed to be on my credit report any on any reporting agency report and reports Credit Under fairness and accuracy of reporting a charge off can not be on my consumer report. IRS even says is gross ordinary income can not be reported on my consumer credit report
Product: Debt collection

They've called my family my work and my husband who isn't even on the loan after I told them to stop contacting me almost 2 years ago. They constantly try to resell and open my debt.
Product: Debt collection

Parents and wife ( on her office phone ) received calls, from DTA Investigations, stating the I had lawsuit against me and needed to speak to me. I called them back and they informed me that I had a pending litigation against me from XX/XX/2008. I informed them that in the state of Texas I could not be sued after 4 years. They argued with me and accused me of lying about the medical bill, " So your saying on the record call you have never been to this location ''. I informed them I have never been treated at the facility in question. He again said this call is being record and repeated the statement above.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen. The thief 's gained access to my Experian account and changed the email so I have no access to my Experian account. I have been calling Experian for 3 days trying to get ahold of someone to talk to but everything is automated. The have no email address to contact. There is no way of me getting ahold of them, meaning there is no way for me to regain access to my account, meaning I cant freeze my account and stop the thief 's from trying to open more accounts in my name. This is insane for a company this large to offer no customer service.
Product: Debt collection

I was promised accuracy on my credit report based on federal law I am making this report to have these inaccuracys removed under the 15 USC 1681 law all unverified info must be removed. 
Capital one
Product: Credit card or prepaid card

Promotion for opening account included {$200.00} ( 20,000 points ) when you spend {$750.00} in the first 3 months. It also stated that the first {$500.00} will get 5X points and everything else will get 1X points. I spent {$3000.00} on the card in the first 3 months. I received the 20,000 points and then 3000 points ( 1X on dollar spent ). It should have been 20,000 points + 2500 points ( 5X first {$500.00} ) + 2500 points ( 1X remaining {$2500.00} ). I already received 23,000 points ( 1X on full {$3000.00} ). I made multiple attempts to remedy this with them, but it is always escalated to the rewards department, however, I never receive a response from them and the points are never updated properly.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Ally bank placed a 6 month hold on my deposit check from selling my vehicle to XXXX. The check was for {$15000.00}. Ally made none of the funds available. They told me the hold was because of the size of the deposit. They told me the hold was because I had overdrafted twice. They told me that if I had deposited into my other ally bank account, there would have been no hold at all and I could have transferred the money over. They told me they would expedite the clearing. All of this is documented and verifiable. https : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX does not belong to me
Product: Credit card

Due to a severe drop in income, I could not pay my Capital One Miles Card in XXXX and XX/XX/XXXX. I made partial payments from XX/XX/XXXX- XX/XX/XXXX. I started a plan to pay regular installments for an indeterminate length of time. My card is on restricted status. I started making regular payments in XX/XX/XXXX and have been timely with all payments since then. I received a letter on XX/XX/XXXX that 10 new Capital One credit cards which someone had applied for in my name were not issued. I called immediately to say a scammer had done this and not me. There was no record of anyone applying for these cards in their system. I was told to check my credit reports to see if it would be noted. I checked and saw nothing yet. I heard during my wait for an agent that Capital One had issued a new credit card to me. I called again today, XX/XX/XXXX, to tell them I had not received this card yet. The agent told me that it was indeed delivered on XX/XX/XXXX at XXXX. I told her that I received only the letter turning me down for 10 new Capital One credit cards which a scammer had generated. She has insisted that it was the new card. She finally believed that is was not received and quickly closed my old account. She issued a new number despite my protests. I knew that on restricted status a new card could not be issued. I requested just the new number for my records. She refused. I simply see 4 digits on the website. There is no way to see the entire 16 digit number. I called back 5 times and spoke to 7 agents who would not help me. I called the fraud unit at XXXX and spoke to XXXX, employee number XXXX. He kept me on the line for 35 minutes while he researched the letter of XX/XX/XXXX. He also investigated what happened to the card which was issued but never arrived. At the end of the phone call, he did not know what had happened to this missing card or what generated the request for 10 Capital One Credit Card applications. He told me that I could look up the entire new number on the website after my XX/XX/XXXX payment processes. I knew this was not true. XXXX then asked me for my entire SSN to help him check my credit report for other scam requests. This set off alarm bells. I refused and said that I could look it up myself. He then shamed me for paying over the minimum amount this month. I laughed it off but I could not believe a company representative was scamming me for my SSN. Something is truly wrong at Capital One. They have criminals answering the phone. Suppose something else goes wrong with my account? It's like XXXX XXXX meets the XXXX. I am afraid to call them for help of any kind.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXX is reporting as a mortgage and is not a mortgage. I d not get to own any of the property after I pay off the mortgage, and will still be required to use my points to reserve my use of the property.
Product: Credit card or prepaid card

I hate this bank and my card they never take my complaints or feedback seriously capital one you are horrible I have a gm cara which doesnt earn rewards in every purchase I want a product change a cars upgrade and they lie to me I hate this bank their customer care Agents lie to me telling me I qualify the supervisor is XXXX  I have a gm card I dont undrdtnad why they tell me I qualify for a cash back card and then say no we never said that such liars and then I tell them feedback how come capital one offer tap pay go technology on other card and products but not mine they refuse everything they dont give everyone latest card technology I dont want XXXX XXXX I want to tap my card they should make this feature standard for everyone to have And enjoy as optional but not offer it is a shame and the lies they make I hate you capital one
Product: Credit card or prepaid card

I am writing to your agency in hopes you can help me with some charges on my  Discover car d previously disputed with you guys. I would like to know the status of the disputes. I am Amish and I do not owe a computer and I am not computer literate.  Communication is kind of diffic ult sometimes. So I asked my friend to help me with this. I did a complaint with CFPB previously but I lost track on what happened with my disputes. I was naive and let some companies take advantage of me and charged me for services and they did disappeared after and they were not capable of fulfill with their end of the deal. I would like to know if the charges that I disput ed with Discover were ever investigated and if they did what were the results. If they were disputed as claim and defenses. I would really appreciate if you help me with this so I can get some closure please. I did some complaints previously, the companies were :   XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . I might of forgot some names.
Product: Credit reporting or other personal consumer reports

I was looking over my report and I noticed several inaccuracies pertaining to this account. This account is hurting my ability to obtain credit. Its my understanding that the credit reporting agency will investigate this account for me to ensure accuracy. I would like for you to note that all accounts that are referenced are EXACTLY as it appears on my credit report that your company has reported as being accurate.

Please correct or delete these accounts immediately.

I have attached My DL, SSN, and Proof of residency for Verification of my identification. 

Company Name & Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft in XX/XX/XXXX after discovering several unauthorized credit inquiries for various credit cards, banks, and cell phones appearing on all three credit reporting statements. I immediately locked all XXXX  credit reporting accounts, as well as notified each bank and/or credit card of the theft. Despite the locks, I continued to get notifications throughout the year that someone was trying to open bank accounts or credit cards using my credit information. On XX/XX/XXXX, without ANY previous contact from XXXX XXXX, I received a notice from XXXX XXXX XXXX  that I was in default of {$4100.00}. THIS IS NOT MY ACCOUNT. I immediately called XXXX, but was told that they would not work with me as my account was in collection. I wrote XXXX XXXX on XX/XX/XXXX that it was not my account and asked for FULL DOCUMENTATION of the account. I've repeatedly written and called both XXXX and XXXX XXXX stating that it was not my account ( including a police report ). To this date, I have received NOTHING from either IXXXX XXXX nor has XXXX XXXX. It has been over XXXX months since I sent my letters and called. In the meantime, I have also retained a lawyer to assist, but still XXXX continues to re-post the closed account.
Product: Debt collection

I sent a affidavit to Kay Jewelers telling them i would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : Validation of the debt ( an audit trail in accordance with GAAP accounting principals ) ;
Product: Student loan

I consolidated my loans with a third party that turned out being fraudulent. They falsified my information, saying that I had kids that I didn't have and was making {$0.00} ( I am a full time XXXX ). My payments to them each month went no where, as it says on the XXXX XXXX website that I have no payments made to my loans. They changed my email, phone number, and address to their information so I never heard that I was delinquent and behind in my payments from the Department of Education. I have filled out a complaint previously with a liaison of Congressman XXXX XXXX. The fraudulent company has switched their name once since I have been paying them and it is now called XXXX XXXX XXXX. It used to be called XXXX XXXX XXXX. I paid {$61.00} a month with them.