23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I received an email from XXXX notifying me that my XXXX card has been closed. I called XXXX and they said the account was closed due to inactivity, and that a letter was sent to me on XX/XX/2018. I had intentions to use the card for any upcoming medical expenses, and thankfully Ive not had any medical expenses throughout these years. I do not believe this is a sufficient way to notify someone that their account will be closed as mail can be lost and/or stolen and I never received an email or phone call from them. Due to the account being closed by XXXX, my credit score is now being affected.
Product: Credit card or prepaid card

I had a payment due in the amount of {$54.00} due XXXX XXXX, 2017. I paid said payment over the phone on XXXX XXXX, 2017. Chase credit cards automated payment system confirmed the payment was made. But days later i received a telephone call saying the payment was returned because the automated system got my bank information wrong. I checked my bank account the funds were still there. ( So it was n't due to lack of funds ) chase had just got my info wrong. So i called customer service 3 different times and tried to reason with them because my new statement is for {$180.00} because they charged me the XXXX that they never got because they got the bank info wrong, a XXXX late fee and XXXX in interest plus the next months payment of {$54.00} this was a mess up on their end of which they have admitted fault for in the past and had to fix but this time they refuse to work with me even though the whole issue is that their automated system got my bank information wrong and they charged me fees and interest as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED YOUR COMPANY TO GET THIS RESOLVED AND RECEIVED NO SOLUTION. 

UNDER 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I, XXXX XXXX, never gave any written consent to report anything on my consumer report. NO CONSENT IS IDENTITY THEFT. 

Concerning the following accounts below as a consumer, I'm demanding them to be DELETED from this account. 


XXXX  {$89.00} # XXXX XXXX XXXX XXXX {$710.00} # XXXX XXXX {$520.00} # XXXX XXXX XXXX XXXX {$1600.00} # XXXX XXXX XXXX XXXX {$700.00} # XXXX
Product: Credit reporting 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 USC 1681. I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 However, 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 1681i ( 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: Credit reporting or other personal consumer reports

I am writing to address a matter of significant concern regarding my recent credit report. I have received a 1099-C for the following accounts : - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX According to IRS guidelines XXXX an unpaid charge-off is considered income. Additionally, the Fair Credit Reporting Act ( FCRA ) stipulates that income can not be reported on a credit report. After reviewing my most recent credit report, I have found that these accounts are still being reported. 

To resolve this matter fairly, I propose the immediate removal of these accounts from my credit report to comply with legal requirements. If there are any discrepancies or further clarifications needed, I am willing to provide additional information or documentation. 

I appreciate your prompt attention to this matter and look forward to a swift and fair resolution.
Product: Credit reporting or other personal consumer reports

Per dispute with XXXX from Equifax on *** XXXX my online portal should be opened, it has been locked since XX/XX/XXXX. 

Per correspondence with XXXX ( XXXX ) on XX/XX/XXXX, this should have been resolved within five days. Ref. No. XXXX Because this is an isolated issue after disputing XXXX, I have reached out to legal and this is actively being addressed. 

I have cooperated by providing all legal court ordered documents verifying my identification. In photo identification and social security cards.
Product: Mortgage

My mortgage through Specialized Loan Servicing has a PMI requirement until you hit 20 % equity in the property. This is normal for a mortgage company to require PMI up until 80 %. However, once that happened, I tried to get the PMI removed. I had a number of difficulties in this process and was ultimately told that it couldn't happen unless I was willing to pay a fee. This did not strike me as fair. In XXXX of XXXX  when I had surpassed 20 % equity, I called the company to learn the process and was told by a representative that he could take care of it. I had previously received mail letting me know that I would need to submit a written request so I asked the rep about it and he said it was no problem and he could take care of it. However, by XXXX I was still being charged PMI. So, I called again to figure out if just writing a note and mailing it to the company ( which were their only instructions - I couldn't call or email, which is very frustrating ) would be sufficient as a " written request ''. I was then informed that I had to print off a specific form, sign it, and mail it in and then I would have to pay a variable fee ( depending on what Specialized Loan Servicing found for a professional in the area ) to have the property value assessed and they would consider removing the PMI. This struck me as a burdensome and unnecessary evaluation, since I have property value assessment information for free from the city. I then asked if I could just pay additional principal to get to the 78 % of " Original Value '' and was told that Specialized Loan Servicing will ONLY use the original amortization schedule in calculating that value. WHY? It seems to me that Specialized Loan Servicing is unnecessarily making the process difficult so they can make more money even though the true equity that I have in the property was way above 20 % more than a year ago! This is not a fair situation. I submitted a complaint via the CFPB website and the response of Specialized Loan Servicing was to just reiterate their policies and then the complaint was closed. They provided no additional solutions and were not helpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

INITIALLY I HAD THE SAME PROBLEM WITH XXXX, XXXX, AND TRANSUNION. ALL THREE REPORTS HAVE SHOWED I HAVE A SIGNIFICANT AMOUNT OF INQUIRIES. I DISPUTED ALL THREE COMPANIES VIA EMAIL AND PHONE BOTH. WHEN I DISPUTED VIA EMAIL, IT TOOK THEM ONLY 1-3 DAYS TO COMPLETE. PROBLEM WAS, NOTHING WAS FIXED. SO THEN I CALLED TO FIX THE ISSUE ON ALL 3 REPORTS. MY HOLD TIMES WERE UNBELIEVABLE. ANYWHERE FROM 90 MIN TO 3 HOUR HOLD TIMES. NEEDLESS TO SAY, AFTER FINALLY GETTING A HOLD OF SOMEONE, THEY STATED TO PUT A FREEZE ON MY REPORTS. I DID WHAT THEY REQUESTED. AGAIN, THE INQUIRIES ARE STILL ON THERE. I COMPLETED A FRAUD INVESTIGATION WITH ALL 3 COMPANIES AND I STILL HAVE A FREEZE ON ALL THREE COMPANIES AS THEY REQUESTED. THE OVERALL PROBLEM STILL REMAINS WHICH IS I STILL HAVE A UNBELIVABLE AMOUNT OF HARD CREDIT INQUIRIES CAUSING MY SCORE TO BE BELOW 750. MY SCORE WILL BE 800 OR ABOVE IF THE WOULD FIX MY REPORT. THANK YOU FOR YOUR TIME
Product: Debt collection

I paid the XXXX up front then when we get into XXXX facility at XXXX XXXX XXXX. The nurses offered us free flu shots. Everything was OK but later we receive the bill charged us {$1500.00}, XXXX free flu shot turned into XXXX different shots that we never received then the charge from another lady who was in hospital facility at XXXX XXXX, because she has the same name with my wife but different account number. I went down to member service show to them to complaint they recognize the errors but could not fix.!!! Later almost 2 year I receive my XXXX health insurance payment.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1970 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS XXXX FOCUS FINANCIAL SERVICES Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious FOCUS FINANCIAL SERVICES I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me  Signatures on applications and accounts Investigators report XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/1970 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had made payment to one of the vendors on XX/XX/2018 and their collection agency told me that they sent a letter to Equifax stating that the account was paid in full, on XX/XX/2018. 

I just got an alert today and upon logging in I noticed that particular account was still showing as unpaid on their system. I contacted Equifax and they said their system is up to date. I told them that I have a copy of letter from collection agency telling them that the amount is paid in full. 

Equifax could not explain this. I asked to speak to a supervisor in their U.S. call center, they transferred me to supposedly their U.S. call center but nobody came on the line for 15 minutes. 

How is it that this is allowed to happen? Why aren't their laws against the complacent attitude that these credit reporting bureaus have towards consumer? One person tells me that they will call me and another person tells that they don't have capability of calling back. 

Thank you, XXXX
Product: Credit card or prepaid card

COMENITY - COMENITY CARD, XXXX TX On XX/XX/XXXX I received a statement for charges to a credit card I havent used in years and have destroyed. The charges were not made by me and are suspicious in nature ; XXXX charges of XXXX all made on XX/XX/XXXX by XXXXXXXX XXXX XXXX XXXX Total due {$8.00}. 
I repeatedly try to call the number on the statement for help, went through prompts, only to be continually disconnected. On XX/XX/XXXX I wrote a comprehensive letter, included all documentation, and mailed to their designated Customer Care Team at address indicated on statement. On XX/XX/XXXX I received a letter stating they received my claim and are researching it. On XX/XX/XXXX I received another statement with late charges and interest. Repeatedly called number indicated and was repeatedly disconnected. 
On XX/XX/XXXX I wrote another letter and included all documentation. On XX/XX/XXXX I received another computer generated letter saying they received claim and are researching. On XX/XX/XXXX I received another statement now with a total due of {$160.00}! 
I made three more calls today to try and resolve and continue to be disconnected.
Product: Credit reporting or other personal consumer reports

I applied for an auto loan and did not give permission or consent To XXXX  OF THESE PLACES!!! 

XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Thursday, XX/XX/2022, at XXXX XXXX  XXXX, I received a text message from XXXX stating : Bank Of American Fraud dept. Did you attempt a {$3500.00} XXXX transfer? Reply YES/NO/HELP. Don't want fraud texts? Reply STOP. 

I then replied HELP. 

An official Bank of America Small Business phone number, XXXX, called me immediately. I was unable to answer the phone since I was at the airport. When I called the number back, it was an official Bank Of American Small business phone number. 

Because of this, once the scammers called me back, I was convinced this was truly Bank of America. And over the next few days, I XXXX  several times for a total of {$29000.00}. 

When I called the same number the scammers used on XX/XX/XXXX, I was connected with an actual Bank of America agent who told me I had been scammed. I was then attached to their XXXX Fraud Department, where I filed a complaint per reference number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want XXXX XXXX, Experian Clarity Services and XXXX XXXX to mail me a complete copy of my free annual credit/consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX 1. Identity Theft XXXX XXXX XXXX 
Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity ThefXXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. XXXX Account Number : XXXX 10. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX 
Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX  Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX 
Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX  Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing inaccurate names, addresses, phone numbers, employment, inquiries as well as public records since XXXX of 2017. I have never received an updated report from XXXX  or Transunion concerning these matters as of XXXX. 
All 3 has told me to contact the companies of the inquires and have them to delete, I did that at least XXXX with all and was told that it 's up to the bureau to remove. I 'm not saying all are not mine but MOST of them are not and I have sent in a list to all 3 bureaus multiple times over the past several months. I have requested from all 3 bureaus to provide me proof as I am entitle to have, that was provided to them from there investigation for my public record, I have not received any documentations from either bureau as of XXXX. I also have a identity theft police report on file with all 3 bureaus. 

Hear is a list of the inquiries that are not authorized : XXXX : comenitycapital/mprcc- XXXX, XX/XX/XXXX,XX/XX/XXXX, XXXX, XXXX XXXX XXXX- XXXX comenitybank/venus -XX/XX/XXXX XXXX XXXX XXXX - XXXX, XXXX, XXXX XXXXXXXX- XXXX XXXX - XXXX sterling - XXXX comenitybank/womnwi - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX- XXXX XXXX : XXXX - XXXX, XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX TransUnion : XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX, XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  INACCURATE PERSONAL INFORAMTION : NAME- XXXX XXXX EMPLOYEMENT- XXXX XXXX XXXX TRANSUNION : NAME : XXXX, XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : ADDRESS : XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , XXXX   XXXX
Product: Credit reporting

Experian failed to remove the Hard Inquire obtained by XXXX on XXXX/XXXX/15 and XXXX/XXXX/15 by letter submitted by XXXX XXXX XXXX XXXX on XXXX/XXXX/15 ( XXXX, XXXXXXXXXXXX in which clearly explained XXXX decision to remove XXXX hard inquires obtained from my personal financial records kept by Experian.
Product: Debt collection

They have been send a certified letter not to call and they repeated call against my stating so! They are suppose to communicate by letter to which they have not. I ask them to verify my debt to which they have not done to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has accused me of using a third party credit repair agency. Additionally there is NO law that states a consumer can not use a third party, so Experian using that as an excuse is irrelevant.
Product: Debt collection

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Inaccurate Information from My Credit Report Dear Sir/Madam , I am writing to formally dispute several inaccuracies reported on my credit reports by the credit reporting agencies XXXX XXXX XXXX XXXX and XXXX. Despite my previous efforts to address these errors with the credit bureaus directly, the incorrect information remains on my credit file. As such, I am requesting your assistance to investigate and ensure these inaccuracies are corrected. 

Below is the summary of the disputed items and corresponding inaccuracies : Account : XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Account Numbers : [ XXXX ] Inaccuracies : The balance reported and derogatory status do not reflect accurate or validated information. 
Request : I request the validation of the debt and removal of inaccurate information as no validation was provided. 
Account : XXXX  XXXX Account Numbers : [ XXXX ] and [ XXXX ] Inaccuracies : Balances, account status, and payment history details are incorrect and not verified. 
Request : Proper debt validation and removal of inaccurate data. 
Account : XXXX XXXX Account Numbers : [ XXXX ] Inaccuracies : Incorrect balance, payment status, and other account details. 
Request : Validation or removal of inaccuracies as per the Fair Credit Reporting Act ( FCRA ). 
Account : XXXX XXXX ( XXXX ) Account Numbers : [ XXXX ] Inaccuracies : Unverified balance and inaccurate reporting. 
Request : Remove all erroneous data not supported by sufficient evidence. 
Account : SYNCB/XXXX  Account Numbers : [ XXXX ] Inaccuracies : Incorrect balance, high credit, and charge-off details. 
Request : Validate debt or delete the inaccurate records. 
Account : XXXX Account Numbers : [ XXXX ] Inaccuracies : Discrepancies in balance and derogatory account status. 
Request : Remove inaccurate information or provide validation documents. 
All these accounts have inconsistent and unverified details that are damaging my creditworthiness. Per the Fair Credit Reporting Act ( FCRA ), credit bureaus and data furnishers are required to ensure accurate reporting and provide proper validation upon request. 

I request the following : Removal of all inaccurate, unverified, and obsolete information from my credit report. 
Complete validation documentation for all accounts mentioned above. 
Updates reflecting accurate information as required under the FCRA. 
I have attached copies of my credit reports highlighting the disputed accounts, as well as supporting documentation to validate my claims. 

I trust you will give this matter the attention it deserves and ensure a fair resolution. Please notify me in writing once the investigation has been completed. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX