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

I appreciate you making the effort to remove and update some of the data on my credit report, but there are still some items that need to be deleted. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be deleted as soon as possible. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX, XXXX XXXXXX/XX/2021
Product: Credit card or prepaid card

On   XXXX   XXXX  , 2017, I received a letter from Home Depot stating that my credit card issued through   XXXX   XXXX   XXXX   had been closed due to an adverse credit score. I checked my credit report and it was excellent. I called them and was told that hundreds of letters had been sent out by mistake informing customers of account closures due to poor credit. They refused to re-open my account as I requested and stated that a warning letter had been sent out prior to closure informing me that my account would be closed due to inactivity if I did n't use it.I told her that I never received such a letter. She still refused to re-open the account. On or about   XXXX   XXXX  , 2017, I spoke with a supervisor named  XXXX  who admitted that no warning letter was ever sent as previously indicated even though it was company policy, but again refused to re-open the account. My credit score has dropped more than   XXXX   points as a direct result of their negligent and incompetent handling of my account by closing it without notice or consent. This has had a devastating effect on my ability to become employed in my field. My credit score is very important to me as it is closely scrutinized on a regular basis as a first responder. I engaged a lawyer who found case after case of case law of situations that dealt with " covenant of good faith '' that illustrated a clear violation on the part of Citibank of this concept in Arizona law. I will be happy to provide a copy of that letter which was sent to Citibank on my behalf urging them to re-open my account. Yet again, they refused. Citibank needs to follow Arizona law, " implied covenant of good faith and fair dealings in every contract. The duty arises by virtue of a contractual relationship. '' They have acted in bad faith and caused me significant harm by not being faithful to the agreed upon common purpose of the contract thereby preventing me from receiving the benefits and entitlements of my account agreement.
Product: Checking or savings account

I had a back payment of XXXX from VA unemployment, I was laid off in XX/XX/2020. Like many Americans the unemployment office was taking months and weeks to process and approve my unemployment claims. Now Chase Bank has decided to hold all my money and interfere with my unemployment Direct deposits and will not tell me why. I have rent, food to buy for my family. They are holding my money hostage and will not tell me why.
Product: Credit reporting or other personal consumer reports

My account with those crediotrs was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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 sectio

n 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I noticed several accounts on my credit report that I do not recognize or consent to. Please take immediate action to block and remove these fraudulent entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was looking at my credit report and noticed that there were two hard inquires on my account. One I was aware, as I purchased a car in XXXX and took a small loan, which I payed off immediately. The other was under XXXX, which after many phone calls, I found out it was XXXX. I called them and was told I would have to call Equifax, which I did and then was told XXXX should be helping me. Being somewhat frustrated, I talked to a fraud expert at XXXX who explained I had to fill out this form and after receiving a response form you, I would then have to mail it them. The representative has already stopped the card from being used, as the card was sent out, not received by me, but she cancelled the account. 

I have talked to many people regarding this issue, and the most important thing to me is having the fraudulent hard inquiry removed from my credit report. I worked hard to get it where it is, and I should not be punished for what someone else has done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Student loans in my name with wrong address and amounts. I did not take out the loans and I 've explained to the credit bureaus and Navient. They are both refusing to help me correct this matter. Both companies sent me letter stating they validated my claim. without letting me know hoe, who validated the information.
Product: Debt collection

I am writing to dispute fraudulent information that has been reported on my credit file. I recently reviewed my credit report and found several accounts that I did not open or authorize. This indicates that my identity may have been stolen, and fraudulent activity is taking place using my personal information. 

The following accounts were not opened or authorized by me : # 1 XXXX XXXX Last reported XX/XX/2023 {$870.00} # 2 LVNV FUNDING LLC Last reported XX/XX/2023 {$320.00} # 3 XXXX XXXX XXXX Last reported XX/XX/2023 {$110.00} I did not apply for any of the above accounts and have no knowledge of them. This indicates that someone has obtained my personal information and used it for fraudulent purposes. 

I am requesting that these accounts be immediately removed from my credit report, and that all related charges and fees be removed as well. I am also requesting that you investigate this matter further to determine the source of the fraudulent activity and take appropriate action to prevent it from happening again. 

Please provide me with a written confirmation of the outcome of your investigation, and any actions taken to correct the fraudulent activity. 

Thank you for your prompt attention to this matter. 

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

This is one of several attempts to inform credit bureaus that I am a victim of identity theft and that I wish to query certain entries in my documents that have arisen as a result of the crime. The records I'm questioning are related to no transactions involving the acquisition of products, services, or money that I initiated or authorized. Assuming no one cares, erase any information in my credit report that is the result of alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX A XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$270.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$240.00}
Product: Checking or savings account

I had a bunch of online XXXX  that i did not authorize be used on different sites an the disputes team held me liable because my card was not used just the numbers were
Product: Debt collection

I am submitting this to dispute the debt of XXXX. XXXX XXXX XXXX. 
I never received a letter in the mail regarding this debt. I spoke to the company, and they said that they mailed it to my previous address in XXXX, when the account opened, yet they admit to the letter being retuned to sender and not trying to resend the letter. 
I had moved out of my old apartment by XX/XX/XXXX. I still returned multiple times to the apartment complex to pick up a package that was delivered by error and to see if I got any mail that didnt get redirected. After XXXX I began getting all my mail to my new address. 

I received an email on XX/XX/year>, with an attachment about my final statement with the company, but it does not include any contact information. The email was sent under a no-email address. 

XXXX XXXX XXXX got in contact with XXXX XXXX on XX/XX/year> and said that we needed to pay the full amount by XX/XX/year>, after that date it will reflect on our credit as a collections account. He told them that he needed to speak with me regarding this issue. 
I called them soon after and no one responded. I called hours later, and I got in contact with a representative, we spoke about the account, and I told her that I was not able to pay that by the date given. She then asked me to provide her personal information to see if the company will be able to work with me, to this day I am not sure what she needed that information for since she never told me anything after. 

I asked if I could speak to a manager regarding this issue, she contacted me to her manager, XXXX XXXX, which I had to explain the whole situation to. I told XXXX that I never received anything in the mail, which she admits they got the letter returned. I asked why I was never left a voicemail when they called during the day, XXXX said that the law doesnt allow them to do that. I told them that I work all day and all calls are blocked, if I receive a voicemail I will call back, but if no voicemail is left, I will honestly just consider it a spam call. 

I told her that I knew about that amount, and that I am willing to pay the full amount, but I can not do it by the XXXX. XXXX then said that the amount is due on the XXXX. I told her if I could speak to XXXX regarding this issue, XXXX said that if I hang up now it will mean Ill be declining any agreements weve made during the call, but we had made no agreements. I then had to provide my debit card number to put the account on HOLD until the XXXX. They were not willing to offer me any sort of payment arrangements. 

I then got an email on XX/XX/XXXX saying that this account is now on my credit report. XXXX XXXX had confirmed to me that it will show on my credit report after the XXXX. They asked me for my debit card information so it can put the account on hold. 

I know by Law I need to receive a letter in the mail regarding this debt, in which I never did.
Product: Debt collection

I had an account that was past due because I was XXXX from the military and I was unable to make the payments on time and I tried to set up a payment plan to resolve the debt and in the midst of moving and getting my family settled after service I lost track of and was unaware of the debt being sold off and was required or notified that the balance was excessively higher than the balance before my transition from military service and I have noticed now that the balance is {$3400.00} and alot higher than it was when I last made a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

student loan accounts are showing a status as " CLOSED '' instead of " PAID IN FULL '' as it does in the student loan database. I never sent a letter asking them to close the accounts after they were paid because this would adversely affect my credit. 
Paid in Full Stafford Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full Account and Loan Details Stafford Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full Account and Loan Details Consolidation Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full Account and Loan Details Consolidation Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full
Product: Credit card

XXXX a credit card was opened under my name at roughly XXXX. At XXXXXXXX XXXX  this was noticed by me and Chase credit card services were notified. The account was said to be closed by them but no further information was able to be given by chase credit card services. The account is still open under my name XXXX XXXX XXXX.
Product: Checking or savings account

I processed a payment through on-line bill pay with Bank of America through my small business checking account. The payment was to pay a vendor I have done business with many times. 

Pay to : XXXX XXXX XXXX  Scheduled Payment Date : XX/XX/2022 Amount : {$2700.00} XXXX XXXX XXXX never received the paper check that was processed by Bank of America. Someone stole it out of the mail, forged the check, and cashed it. Per my request, Bank of America sent me a copy of the cashed check with the forged signature. It was cashed on XX/XX/2022 and signed by someone who has no affiliation with XXXX XXXX XXXX 

Initial Claim number with Bank of America : XXXX The first claim was processed on XX/XX/2022. On XX/XX/2022, I received a letter that Bank of America denied the claim because the transaction in question was completed using a device that is consistent with previous valid account activity. '' How the payment was generated was not the issue. The issue is that someone stole the check and cashed it. 

Upon receipt of the claim denial, I called Bank of America again and they started a new " case '' under XXXX XXXX XXXX. XXXX XXXX XXXX had to fill out paperwork and have it notarized to confirm they did not receive the funds which was done in a timely manner. The only update I get is that Bank of America is in the process of researching the issue, and they are waiting for " XXXX XXXX XXXX XXXX '' to respond. 

Bank of America has been giving me the run around on this since XXXX XXXX. I have spoken to XXXX in Texas, XXXX in Texas, XXXX in Florida, XXXX in Georgia, XXXX with the XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX in Florida again as well as numerous correspondence requests through email. I have made over 20 contacts with Bank of America and nobody will take ownership of this and get the issue resolved. 

I would like my {$2700.00} put back into my business checking account. Bank of America 's complete lack of service and follow through on this issue has been beyond frustrating. 

Thank you in Advance for your help with this issue.
Product: Credit reporting or other personal consumer reports

As per the guidance from the XXXX XXXX XXXX ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXXDebt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

Account Name : THE BUREAUS Account Number : XXXX bal. {$630.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are late payments posted to my account by Sallie Mae. Also there are many hard and soft inquiries that I did not authorize with my signature.
Product: Mortgage

We are attempting to get a refinance on our house to pay off a higher-interest mortgage and perform some home improvements. We chose XXXX, part of XXXX. 

We are approaching the THIRD time we have had to sign papers because of constant blundering by XXXX. 

First it was because, even though the waiting period of 3 years from a " deed in lieu of foreclosure '' on our previous house, for some reason it was not recorded for a month and XXXX had not even checked, delaying our signing a month, but they didnt notify us until AFTER we had done the first signing and were expecting the cash out from our refinance. THEN they told us, AGAIN after signing and on the day we were expecting the wired funds from the cash out, that with an FHA loan no extra cash could be taken out. 

AREN'T THEY SUPPOSED TO ALREADY KNOW THESE THINGS? 

Now, after signing TWICE they are requiring proof of my latest pay raise, after which I'm led to believe the loan will have to go back to the underwriters for approval ... which will require ANOTHER signing! 

These people are incompetent!
Product: Payday loan

I was getting a mail information to get a loan, and I was applying for that, but I changed my mind due to high APR. i never received any money, but they were keep calling me at home and on my cellphones and every time i was trying to pick it up, it gets cut off. I find out that the person who was applying was using my name as an email XXXXXXXXXXXX which was not my email address.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ACCT NO XXXX IS REPORTING ON MY XXXX AND TRANSUNION FILES.XXXX IN DISPUTE VERIFIED THE ACCOUNT. 
I HAVE NEVER ORDERED XXXX, RECEIVED OR USED THE CARD OR RECEIVED ANY MERCHANDISE.IT IS IMPOSSIBLE TO PROPERLY DEBT VALIDATE AS IT HAS NOTHING TO DO WITH ME.THE OPENING OF THIS ACCOUNT IS EXACTLY AND ENTIRELY FRAUDULENT.PLEASE FINE THE BUREAUS FOR VERIFYING THIS ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is frozen with Equifax. I tried to unfreeze my credit because I need to get credit for a mortgage. I can log into my Equifax account online but every time I try to unfreeze my credit score it tells me I need to call Customer Care at XXXX. I called them at that number and they told me that they could not identify my account using my social security number. They also could not identify my account using my address. I have checked my personal details on their website and I have them all correct in their systems so there is no good reason for not being able to identify me. I asked to speak to a Supervisor who told me the same thing and that I need to mail in a copy of my social security card, my drivers license or a utility bill with my address on it. I asked if I could do this online and he told me I could through a dispute however the website tells me that I can not submit a dispute and need to contact Customer Care at XXXX. The Supervisor told me that it would take up to 30 days to resolve my credit report being locked so I can get new credit. I asked to raise a complaint and he said he would do it for me but I would not receive any notification of the complaint and he did not give me the details for the CFPB, which I found myself on the internet. In summary they broke my ability to unfreeze my credit report and they will not fix it in a timely manner.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX Balance Owed : {$7100.00}
Product: Mortgage

Requested PMI cancellation on XX/XX/22 via phone call. Was told Flagstar bank would respond within 10 days. On day 14 ; XX/XX/22, I called again for the status and was told it was in process and the wait time was actually 14 days not 10. I called again on day 28 ; XX/XX/22 and was told the company changed the wait time to 30 business days. Business days not calendar days. I was never notified of this change. Seems unfair that I am following the rules and the company is just changing them as they want. They are stalling and costing me money. They are changing the terms of our loan agreement without notification and without consent.
Product: Credit card

I am a cardholder with Best Buy Credit Services and I was automatically enrolled into a debt protection service without my knowledge and I have been being billed on a monthly basis. I rarely look at my statements and noticed it today when I was paying my bill. Upon contacting Best Buy at XXXX, I was told that I was enrolled since XXXX/XXXX/2011 and have paid a total of {$150.00} into the program. I am requesting a FULL REFUND of this amount, in addition to any interest that I may have paid on top of this amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXXt Account # XXXX XXXX and account # XXXX XXXX, has violated my rights. 


15USC 1681 section 604 sates I have the right to privacy.

15USC 1681 section 604A section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose
Product: Checking or savings account

I submitted a dispute for paying for a transaction by another form of payment ( cash ) and they denied my claim when I provided a receipt stating I paid with cash ..I appeal the decision