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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Dear XXXX, Re : XXXX XXXX XXXX, BMO HARRIS BANK N.A., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX This letter is a formal request to correct inaccurate information contained in my credit file. The item ( s ) listed below is/are completely erroneous. I have listed the items below which are incorrect and need to be deleted from my credit file. 
XXXX XXXX XXXX {$53000.00}, Opened XX/XX/XXXX, Charged off as bad debt Profit and loss write-off, Closed XXXX. XXXX, XXXX XXXXBMO HARRIS BANK N.A . {$27000.00}, Opened XXXX XXXX, XXXX, Charged off as bad debt Dispute resolved ; customer disagrees, Closed XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX {$470.00}, Opened XXXX XXXX, XXXX, Charged off as bad debt Dispute resolved; customer disagrees, Closed XXXX. XXXX, XXXX -XXXX  XXXX XXXX {$400.00}, Opened XXXX XXXX, XXXX, Placed for collection, Original Creditor Name XXXX XXXX XXXX In accordance with the federal Fair Credit Reporting Act ( FCRA ), I respectfully request you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item. 
Furthermore, I request that you supply a corrected copy of my credit profile to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber that you provided a copy of my credit report too within the past six months. 
I respectfully request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item in question within 15 days of the completion of your re-investigation as required by the Fair Credit Reporting Act. 
I thank you for your consideration and cooperation. If you have any questions concerning this matter I can be reached at XXXX. 
Thank you for your time, XXXX XXXX XXXX
Product: Credit card or prepaid card

I contacted HSBC now to apply for a new credit card, MasterCard Gold,  to transfer a balance. Their offering states that there is 0 % interest on purchases and 0 % transfer fee for 18 months, the best in the industry presently. I was transferred to credit card agent when I asked inquiried about the maximum transfer limit. I explained to the next agent that I wanted to transfer {$21000.00} from a credit card that was charging interest to the new card. The agent stated that there was a 4 % transfer fee. I reread their offering to him and inquired whether a cash advance was a balance transfer. He agreed that it was not. Either HSBC is engaged in fraudulent deception or the agent was ill informed. I made this inquiry before I made the application. Last night I applied for an XXXX XXXX XXXX card. I explained my plan to transfer a {$21000.00} balance to the new card. The application was granted but the balance transfer was {$7500.00} and credit limit was {$25000.00}. I contacted XXXX  today and was advised that there is {$7500.00} maximum on balance transfers. The agent should have advised me of this maximum prior to completing the application. I did not want to make the same mistake twice.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX Date of XXXX SS # XXXX XXXX To Whom It May Concern, I received a copy of my credit report and found the following items are in violation of the law. 
There are laws that are put in place, and YOU must follow and clearly you have broken the law with these errors ) on my consumer report below. I never received any statements for the following accounts, which is violation of U.S Code 1666. I never received a statement delivered 21 days of the due date.

Pursuant to 15 U.S.C 1666b ( a ) a credit may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purpose. 
Please update the following account below : 1. Account Name : XXXX XXXX. Account Number : XXXX I demand these violations be removed and/or updated on my consumer report immediately. 
You never conducted a investigation prior to adding these remark on my consumer report, so a reinvestigation is necessary. I understand that under 15 U.S.C. Sec. 168li ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Sincerely yours,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/21 Pl. help me in urgent fashion with the issue with the credit reporting agency, Experian. 

I am in the process of refinancing my home loan and two lenders ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I s trying ta access my credit but they could not do so. 

After multiple attempt, I could not reach the Experian at by calling : XXXX, XXXX, XXXX, no one came to help and all options leads to a dead-end w/o any live person helping me. 

On XX/XX/21, I sent an express one-day USPS priory mail ( # XXXX  XXXX XXXX ) and the mail was delivered XXXX at XXXX  on XX/XX/21 as per USPS. The mail was sent with the Experian letter to unfreeze my credit signed by me on XX/XX/21 that came from my Experian logging telling me to send that letter with my ID & other proofs of my ID. I mailed the letter with my XXXX, my XXXX bill, XXXX acct statement copy and my SS ID copy as asked. 

Still, my credit freeze is not removed as requested as of if today, lenders are not able to get an access to my Experian credit report ( they did get the access to XXXX  & XXXX  but the lenders need all three credit reporting agencies report ). 

I am hindered and not able to go forward until the Experian removes my freeze as requested due to my past recurrent ID theft. 

Pl. help ASAP. Pl. send a letter to the Experian ASAP at their address on the letter attaching it & USPS proof of mail after your email me, the draft first for my review. The matter is urgent. 

Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX & Mailing Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Cell : XXXX XX/XX/21
Product: Credit reporting or other personal consumer reports

Dear Transunion, Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations
Product: Credit reporting or other personal consumer reports

I have several inaccurate and inconsistencies on my credit report. TransUnion, XXXX, and XXXX have been contacted via phone and mail about any and all errors on my reports, but have not corrected or provided me with proof of a true investigation for my disputes. 
I have attached my trimerge report provided by XXXX  and my credit report from TransUnion, A dispute response from XXXX. Here is a list of things that are missing, inaccurate, and inconsistent on my credit reports. 

XXXX Report : My name is XXXX XXXX XXXX, but is reported as XXXX XXXX and many other variations. 
My address is XXXX XXXX XXXX XXXX FL XXXX, but there are 3 extra addresses on my report. 
They're reporting 2 late payments for XX/XX/2017 on my XXXX XXXX acct XXXX XXXX XXXX and acct XXXX XXXX, which are incorrect. I've never been late. 

TransUnion Report : They're reporting 1 late payment for XX/XX/2017 on my XXXX XXXX Acct XXXX XXXXXXXX. I've never been late. 

XXXX Report : My name is XXXX XXXX XXXX and they're reporting it as XXXX XXXX and other variations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XX/XX/XXXXXXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any  transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Debt collection

I wrote a letter to this company to formally request a debt validation documents sent to me last XXXX XXXX, 2017. I have copies of the certified mail receipt so, they can not deny that there has not been any request made on that date. Up to now, I have n't received anything from this company which violates both FCRA and FDCPA. It has been more than 15 days since they got the verification/validation request and they did not even bother to respond. If this will still not be resolved, I am willing to get my legal counsel involved in legal actions.
Product: Credit reporting or other personal consumer reports

The consistent inaccuracies on my report are causing real harm. My score has been lowered, and future opportunities are slipping away because of incorrect information. Its exhausting to have to fight to prove that I shouldnt be penalized for errors I didnt cause.
Product: Payday loan, title loan, or personal loan

I applied for the payday loan back in XX/XX/2017 when I was employed full time.The company knew my paydays but continued to take out the payment amont on the wrong days which resulted in late charges and sometimes repayments.In XX/XX/2017 I lost my job and got behind on the payments but I also reported everything to the company which by that time handed it over to collections.I then spoke with a representative and told them I would get them the money as soon as I could.Collections then started to harass me so much every day after that day that I had to change my number.When I called back I was told that the account was changed off.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this account ( A ). It is not permitted to report this account as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX
Product: Debt collection

We had been paying on a debt through the Collection Center in XXXX, Wyoming. We had been having automatic withdrawels out of my husbands bank account XXXX a month to pay on this debt. In XXXX of XX/XX/XXXX my husband had to have surgery so the payment in XXXX was the last XXXX we had made. We did call and was working with an agent at the collection center named XXXX who was working with us and understood our situation and new that just as soon as my husband went back to work we would continue paying this debt. Today we discovered my husbands bank account was XXXX. We called the bank and they informed us that the collection agency had garnished not only the checking but also the savings account. Which is double the amount of what we owe the collection agency to satisfy the debt. We called the collection agency and they informed us that because we had n't made a payment since XXXX they had put the garnishment against us. We have recieved no current court documentation regarding any garnishments or intent to garnish and also informed us that the agent we were working with had quit last month so they just took it upon themselves to file the garnishment which they said they used a judgement served upon us back in XX/XX/XXXX. My husband and myself feel that this has to be illegal somehow. We do n't understand, firstly how they can garnish his accounts based on a judgement from 8 years ago let alone garnish us in this matter after we have been faithful in payment up until my husbands surgery, and not to mention the fact that the bank account is now in overdraft for XXXX the amount owed, which they are denying but the bank statement we have clearly shows a negative balance for XXXX the amount. Please help us
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of theft in XX/XX/2021. My purse was stolen with all my identifications in it. I made a police report in XXXX XXXX, Fl. ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all XXXX credit bureaus and the company itself. I spoke to XXXX XXXX XXXX and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taking the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a 609 letter because I know this is not mine. They have not provided any proof nor removed it. XXXX XXXX XXXX also said they can't find anything on this account. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

My individual consumer rights are being violated and my credit standing negatively impacted. TransUnion is now willfully noncompliant and negligent in its failure to correct incomplete and what it classifies as " unknown '' information on my consumer report despite its recent reinvestigation that I initiated as a consumer. 

Per my attached reinvestigation results, dated XX/XX/22, TransUnion claims that it verified the information with account furnishers. I request that TransUnion provides a description of its reinvestigation procedures no later than 15 days after receiving this request.

Most importantly, following a reinvestigation, TransUnion has the duty to promptly delete accounts that are inaccurate, or incomplete, or can not be verified, per FCRA 611 ( 15 U.S.C. 1681I ).

Documents Enclosed : - Reinvestigation results that I received from TransUnion - Photocopy of my Driver 's License
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to resolve issues with the information included on my credit reports for over 6 months and have not been able to receive satisfactory outcomes. 

When reviewing my XXXX, XXXX and Experian reports this past summer, I noticed several accounts that I did not recognize : XXXX XXXX, XXXX XXXX, and XXXX XXXX Bank. On XX/XX/XXXX I wrote each reporting agency a certified letter requesting that the accounts be removed from my credit report. A month later I received correspondence from each agency stating the accounts were " verified as mine ''. I then submitted follow-up letters to each agency on XX/XX/XXXX requesting details about the information that was used to verify the that information correct, and received another " verified as accurate '' letter from each agency with no additional context and none of the information I requested. 

I have subsequently sent four ( 4 ) additional follow-up letters ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to each agency requesting the method ( s ) of verification, copies of documentation reviewed, copies of signed contracts with my signature, etc., and to date have received the same generic " verified as accurate '' response. 

As my frustration level has increased with the lack of progress being made I began researching my rights in these matters and came across the Fair Credit Reporting Act. One of the sections in that piece of legislation states that these credit reporting agencies are supposed to keep and maintain copies of the legal documents consumer sign with companies/lenders. If that is the case, why would they not share that information when I requested it? The obvious answer is because such documentation does not exist, but then why continue to state that the information is " verified as accurate ''?
Product: Credit reporting, credit repair services, or other personal consumer reports

showing td bank never been inaccurate information FCRA violaton must be removed How can XXXX tell us we can not get helped by a 3rd party with theyre licease and experienced?
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These acts have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

This company has reported a collection amount of {$780.00} to the credit bureaus and it is negatively impacting my credit. It is being reported as a past due balance and I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Product: Mortgage

XXXX claim addendum. 

American Pacific Mortgage is the original lender on this complaint. 

They worked with realtors on this deal. 

APM Mortgage lender, guaranteed in writing that I owned the land, as well as ( sellers ) and realtors XXXX XXXX XXXX XXXX ( buyers realtors ). Said it is a XXXX property ( Also XXXX XXXX XXXX and seller 's nephew/ or son - disclosed during escrow ) posted the XXXX listing that the property is " nestled on its own land ''. But later discovered I only have " exclusive right to use '' the land. see below from the HOA President this week : Right of use. In your trust deed you will find the clause that says we own XXXX of XXXX acres which is the complete park, with a clause that you own the exclusive use of your own lot, meaning any thing within that area and any one that enters the property must have permission ( except emergencies ) to enter. In the eyes of the legal system this means you own your property. 

Hi Does " exclusive rights '' mean " right to use '' or " own entirely '' You have exclusive rights to your property from the center of your north fence to the curb and from the center of your fence on the south to center of your fence on the north. 


Realtors used inspector from their own roster and did not honor my request to use the inspector I chose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX Dear Sir or Madam, I am writing to formally lodge a complaint against XXXX XXXX and XXXX XXXX XXXX, regarding their handling of two disputed accounts on my credit report : a {$10000.00} account with XXXX XXXX and a {$430.00} account with XXXX XXXX XXXX. 

Despite disputing these accounts for over XXXX months, I have received no resolution or proof of my connection to these accounts. The companies have failed to provide any documentation, including signatures or any other evidence, linking me to these debts. 

I believe that these actions are a violation of my consumer rights under the Fair Credit Reporting Act, which requires that creditors provide verifiable evidence of a debt before continuing collection efforts or reporting the debt to credit bureaus. The refusal to provide such evidence is causing undue stress and potential harm to my credit score. 

I respectfully request that the CFPB investigate this matter and ensure that XXXX XXXX and XXXX XXXX XXXX comply with all legal requirements. Additionally, I ask that these disputed accounts be removed from my credit report until verifiable evidence is provided. 

Enclosed are copies of my previous correspondence with XXXX XXXX and XXXX XXXX XXXX, as well as any responses received. I hope this information aids in the prompt resolution of this matter. 

Thank you for your attention to this issue. Please feel free to contact me at the phone number or email address listed above if further information is required. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I completed a Sears Citi Shop Your Way credit card promotion where I had to spend {$50.00} within the first 30 days of account opening to receive a {$40.00} statement credit. They told me it takes four to eight weeks to receive the credit. Eight weeks have already elapsed as I completed the spending requirements on XX/XX/2020. I still have not received the {$40.00} statement credit. Customer service keeps giving me the runaround, stalling and trying to delay the payout to me.
Product: Checking or savings account

This message pertains to my closed Affirm Money account and is a new request based on newly discovered information, not a repetition of previous requests. 

On XXXX XXXX XXXX, my Affirm Money account ( XXXX ) was closed with a charge-off of {$1000.00}. According to recent correspondence from Affirm, I am not liable for this sum because XXXX reimbursed Affirm by withdrawing the charge-off amount from my XXXX checking account. 

Upon recent communication with the XXXX XXXX XXXX, I learned that the amount requested by AffirmXXXX XXXX XXXX was not {$1000.00}, but {$1000.00}. 

It seems that AffirmXXXX XXXXXXXX XXXX did not claim a {$1000.00} charge-off, but sought a transaction reversal, labeling the transaction as fraudulent, and appropriated the additional {$1.00} for themselves. 

It is important to clarify that the {$1000.00} transaction was not fraudulent. The transaction was conducted by the genuine account holder, and was not due to abuse. The account holder was compelled to withdraw the money to prevent fraudulent appropriation, as Affirm declined to restrict the account following suspicious activity. The negative balance of - {$1000.00} at the time of withdrawal occurred because the account holder and XXXX were simultaneously acting on the same {$1000.00} sum. 

In light of this, Affirm should communicate with XXXX to amend the claim, specifying a {$1000.00} charge-off instead of a {$1000.00} transaction reversal. 

The detailed account of these events is enclosed in the attached file.