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

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than XXXX business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I am interested in processing disputes for all inaccurate information on my credit report with experian. this data is holding back my file. please delete & review that incorrect data to remove the information asap.
Product: Mortgage

I applied with AmeriSave Mortgage Corporation, NMLS ID # XXXX, for a 30 year fix refinance in XX/XX/2020, and very difficult to get in touch with loan originator XXXX XXXX NMLS ID # XXXX, finally after many attempts I s/w with him why on their website said a 2nd disclosure on XX/XX/2020, this would put my loan to approx. $ 2600 monthly an addition {$6000.00}, closing when they were already to receive {$5000.00} for closing cost he reflected in to disregard, it, then I receive my appraisal which was grossly inaccurate, and finally he answered my phone call on XX/XX/2020 which he discuss if the appraisal was purposely under estimate, he email me the reconsideration form and ask for me to get in touch with another appraiser. As well, I inform him of an email that he sent to my spam saying the refinance was closed which he reported to ignore it I attempted to upload both the reconsideration form and the comps that evening and the account was closed. I email him both the form and the comps, which showed the appraiser went way beyond 10 miles and crossed over freeways and used property sold over 2 years ago and in the adjustable market rate the appraiser put 0, when there are plenty of properties literally less than 5 miles from my home that have sold. The appraiser under  estimate my property of {$100000.00}. I have made several more attempts to reach him, and emailed again on XX/XX/2020 asking for proof of what the {$500.00} application fee was used for or to return the funds to my credit card. He answered the phone call and put me on hold for over 36 mins and never returned the phone call.
Product: Credit card or prepaid card

My original EIP card had a remaining balance of {$120.00}. I tried to use it and was told my account was told there was a fraud alert on my account. After several phone calls they sent me a new card, I tried to use it and was told there was a fraud alert on the account. I requested a check for the remaining balance, The check was sent on XX/XX/2023,. I never received the check. I have called over 8 times and after being on hold for over 90 minutes each time I still have not gotten a resolution to this problem. The card was issued by Money Network. Their customer service is non-existent. I really just want the balance left on the card,
Product: Credit card

I went into VCF in XXXX of XXXX. I was asked to apply for a VCF ( sychrony ) store credit card so that I could recieve 36 months no interest on my purchases. I apllied for the card and was approved. I made 2 purchases. In XX/XX/XXXX I recieved a statement with interest added onto my bill. I called my local store. I was told that I had to contact costumer care. I contacted customer care. I did a complaint and dispute. Did not get any results. XX/XX/XXXX more interest charges were added. I called synchrony bank. I filed another complaint and dispute with them regarding being given misleading information from the sales rep in the store. I was told that the reson why I didnt not receive 36 months no interest on my purchases was because the items that I purchased were on sale. There were no signs that stated that sale items were excluded from the 36 months no interest promotion. I have not received any communication back from this company. I was told I would recieve an update on my formal complaint and dispute via email and message center in the app. I have not received anything but more interest charges and a high balance reported to the credit bureaus.
Product: Debt collection

Ditech Financial LLC Was asked to provide the  ORIGINAL  signed Note giving them the right to collect. They continue to send a letter of service agreement. We are receiving notices from several entities on the same debt.
Product: Checking or savings account

I tried to transfer money out of the account to my reference account at a different bank ( also in my name ) at which point my online access was blocked and the bank claimed they could not verify my identity. I provided all forms of identification they have on file, my phone number ( that they claimed could not be used to issue a mobile code ), the email address with which I registered ( they claimed they don't have this information although it's the only mode of communication ), my social security number, date of birth, address and secret password. This is the entirety of the information that was provided during the account opening process, however, they now say they need an affidavit and said I should wait for them to send me something and I should contact again in 1, 2 or 3 business days. I have said that I would like to close the account and they said it's not possible until I am verified, but they can't help me at this point. The bank is running me in circles. I clearly said on a recorded line that I would like to close the relationship immediately as is my right. By not accepting my forms of identification, they are essentially blocking me from ending the business relationship and thereby circumventing the consumer rights. They also won't let me access or transfer the money.
Product: Debt collection

These are not my accounts. 

XXXX/TOTAL CRD # XXXX XXXX/TOTAL CRD # XXXX Please provide method of verification and validation of debt.
Product: Credit reporting or other personal consumer reports

I am not liable for any debt with XXXXXXXX XXXX  nor do I have a contract with them and they did not provide me with any signed agreement between us this was investigated by XXXX, and XXXX, Resulting in the Deletion of this item from my credit file
Product: Credit card

Tried to make a purchase of {$170.00} on XXXX with {$2000.00} left on my Capital One credit card, purchase declined. I called Capital One and was told their cards can not e used at XXXX. Of course I asked why and how that could be. She couldnt give me an answer so I then asked for someone over her, preferably a supervisor.. the supervisor informed me that my call was being recorded when I asked her the questions. I then informed her that I was recording the call and she hung up on me.. 
My first question is how is it? The Capital One credit cards cant be used by UGGs. My second question is how is it that they can record me but I cant record them.. 
My bill is paid up-to-date. Ive only had the credit card for four months. I had {$2000.00} left on my credit. How is it that Capital One will not allow me to use my card at uggs.com with a {$2000.00} spending limit left?????
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 USC 1681 and caused me undue stress and defamed my character XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A states I have the right to privacy .

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) 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 the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT.

Please send me an updated report upon completion of my request. 
Sincerely, XXXX
Product: Credit card or prepaid card

This banks customer service treats me horrible I called them because I added my card for XXXX Pay  and it said to called the bank for verification to activate it I did. And they refuse and give me a hard time after verifying me they want me to speak to security department this is not fair so now I have to wait the entire weekend because these people dont know how to treat a loyal customer or to activate my card for XXXX pay this is not nice I want {$50.00} for the inconevenice they have caused me
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and Procedure ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listedd below. 
I demand that the following account be validate or DELETED from my Equifax Credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, DELETE all non-account holding inquiries over 30 days old. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Vehicle loan or lease

Hello, my name is XXXX XXXX and I have been having issues with my loan company account, Bridgecrest. Bridgecrest is a finance company for vehicle loans. I have reported to them that after I was in the hospital and returned home, that all of my information has been hacked. I have been trying to update my information with the company so that I can have access to my loan and make payments without any fraudulent activity. However, the company seems to have an account already connected to mine, despite me asking them to delete all accounts associated with me, XXXX XXXX. They have assured and reassured me, that all accounts have been removed on my end of the loan, but has not, because I have tried to login on an old email address which has acess to the account, which they say has been deleted, but has not, I have also been trying to resolve this issue for over two months now, currently, I have been told by bridgecrest that all accounts have been deleted except for the co-buyer 's, But I still don't have access to my account, and the website keeps saying there is an account already linked to any email I use with my social and date of birth, Unfortunately, every time I call, I am given the runaround, and told to wait for alot of days, with no resolution to my issue of resolvement to my account, If someone could please help me with this, that would be great. I can not even process payments on my side of the loan without it appearing as if someone else is doing so. My account information is also provided below also. Thank you. 


Primary Buyer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 really do n't know if this is a payday loan or not. But these people contact me at home, my parents home and my place of employment. Awhile back, I went through a payday loan support company to assist me in the validation of this loan. I was told that validation letters were sent out and no one responded. That was exactly XXXX years ago. Since that time, only XXXX number keeps calling. Please help me with this matter.
Product: Checking or savings account

I tried disputing a transaction where a merchant ( hotel ) charged me {$340.00} instead of the {$30.00} that should have been charged for a pet fee. The merchant knows I want to dispute the purchase so they won't provide me a receipt and Credit Karma refuses to process my dispute without a receipt. They won't even investigate. They just denied my dispute immediately.
Product: Credit reporting or other personal consumer reports

Old National Bank is refusing to remove incorrect information from my XXXX report. I have never done business with this entity. I have tried several times asking them to remove the negative info from my report and they are refusing. The information they are reporting is causing my personal XXXX  I am not able to open a bank account anymore. I have never done business with this entity. Somehow they have acquired my information and are reporting negative and derogatory information on my report. This information is ruining my report and my banking relationships. I have not been able to establish a new checking account because this information is stopping the process. I have tried disputing this information in the past and they keep denying it. Please help me get this inaccurate information removed from my report.
Product: Debt collection

I CAN NOT BE BOTHERED WITH THESE PEOPLE. THEY DO NOT HAVE THE RIGHT INFORMATION AND FOR SOME REASON THEY DO NOT UNDERSTAND AND HAVE STARTED TO REPORT ON MY CREDIT I SENT A CEASE AND DESIST ORDER TO HELP BUT IT SEEMS TO HAVE FAILED IM STILLING RECEIVING CALLS AND ITS STILL ON MY REPORT
Product: Debt collection

XX/XX/2018 amount is {$960.00}, i called to see more information about this account and to let them know that someone has stolen my identity, because i never had an utility in my name.
Product: Mortgage

My loan is serviced by Rocket Mortgage with whom I recast my existing loan to lower my monthly mortgage payments from {$1200.00} to {$890.00}. 

The recast was performed in XX/XX/2022, with the first due date of the lowered monthly mortgage payment ( {$890.00} ) due in XX/XX/2022. 

On XX/XX/2022 I submitted a payment of {$1300.00}. This was applied towards the XXXX XXXX monthly payment. 

On XX/XX/2022 I submitted a payment of {$2000.00}. This as per rocket mortgages website was applied towards the XX/XX/2022 payment. 

On XX/XX/2022 upon learning that the loan recast was successful, with the next due date of XX/XX/2022, I submitted a payment of {$900.00}, intended for it to be applied towards the XX/XX/2022 payment. 

On XX/XX/2022 I submitted a payment of {$900.00} intending it to satisfy the XX/XX/2022 payment. 

However I was informed around this time that my loan was past due and a penalty in the amount of {$63.00} was charged. 

I attempted to resolve the concern with Rocket mortgage however they claim that the {$2000.00} I paid on XX/XX/2022 can not be credited towards the XX/XX/2022 payment when in fact their website and phone app indicated that it was. 

Thus, Rocket Mortgage claims that though I paid {$3200.00} in XX/XX/2022, against a mortgage payment amount of {$1200.00}, my loan was past due. Furthermore they refuse to credit the {$63.00} they have charged after the above was explained to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I requested that TransUnion send me a copy of the verifiable proof they have on file showing that the XXXX account they have listed on my credit report is actually mine. On XX/XX/XXXX and XX/XX/XXXX, instead of sending me a copy of the verifiable proof that I requested, TransUnion sent me a statement which reads, " the disputed information was VERIFIED AS ACCURATE. '' TransUnion also failed to provide me with the method of " verification. '' Since TransUnion neither provided me with a copy of the verifiable proof, nor did they delete the unverified information, I believe they are in violation of the Fair Credit Reporting Act and I have been harmed as a result. I have again, today, sent my fourth and final written request that they verify the account, and send me verifiable proof that this account is mine, or that they delete the unverified account. If they do not, my next step is to pursue a remedy through litigation.
Product: Credit reporting or other personal consumer reports

I am filing to formally dispute and request an investigation into an inaccurate collection account reported by XXXX and TransUnion on my credit report. The account details are as follows : XXXX XXXX XXXX XXXX XXXX : {$1100.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX Account # XXXX, have violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

My CURRENT and ONLY address is XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
Product: Credit card

CitiCard changed their cash back card to a " points '' system without giving the end user a choice in the matter ( 2022 ) CitiCard has " partnered '' with businesses to use points - giving access to personal information ( rewards points balance ) without consent of users. There is no option to opt out of this, as confirmed by CitiCard.

In my case, rewards points were recently redeemed without consent while purchasing gas from a Shell gas station. This was reported to CitiCard and they said they were sorry for my inconvenience but they will do nothing to address the issue.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX  XXXX XX/XX/XXXX with a balance of {$220000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Bank account or service

This started when I was a minor XXXX years old, I 'm now XXXX. XXXX XXXX which is now called XXXX, they indicated I 'm past due in an amount of over {$200.00} which I know I was n't. I was reported to Cheqsystems over 7 years ago and I have no idea how to get this removed so I can open an account. I 've done everything on my side to clear it. What now???
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX  account # XXXX Has violated my rights 15 u.s.c 1681 section 602a states I have the right to privacy 15 u.s.c 1681 section 604a section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX sent me an email on Thursday, XX/XX/2021 stating that " Your Paramount Loan is Closed ''. This company reported me late paying to the credit agencies for being late on my payments. ( XXXX XXXX XXXX XXXX XXXX state XXXX XXXX XXXX PA XXXX XXXX ) stating I owe them {$1300.00}. This is bad because I have proof of the email that was sent to me.
Product: Checking or savings account

Usually I get my check deposited early and its been about 2 days already and have not receive anything yet and I need my money. I have stuff to pay I need to get gas. I have to borrow money from friends so I can make it for what I need. Might not be the richest but I try to manage with my money that I got. Capital one needs to do something about this.
Product: Student loan

Hello, I have a private loan with XXXX XXXX XXXX. I defaulted on my loan and I was n't able to pay because of unemployment. They sent my debt to collections were I was making {$40.00} a month payments. Then they sent it to another collections agency and now it is with XXXX XXXX XXXX. They sent me a letter in mail saying pay in full. But I 'm still not working and have XXXX money in bank they only thing I can afford is {$15.00} a month until I 'm employed and I 'm more than willing to make higher payments. My father co sign but I 'm responsible for the loan he is n't working either and have medical bills because he had XXXX and had to have surgery last year. He had a total of XXXX surgeries in XXXX months the most recent in XXXX 2015. When he cosign he had no idea I would n't be working and could n't pay. Every month XXXX XXXX XXXX keep sending loan to different law offices. So I 'm responsible and just need to make monthly payment plans or a rehabilitation program that I was n't offered by original loan.