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

Subject : Cease and Desist Request for Deletion of Collection Account Dear XXXX XXXX XXXX, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : XXXX. A copy of the original contract or agreement under which the debt arose. 
XXXX. A detailed account statement showing the amount of the debt, including any fees or interest. 
XXXX. Date of Last Activity. 
XXXX. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
XXXX. Documentation confirming that you have the legal right to collect this debt. 
XXXX. Any correspondence related to this account that includes my signature or consent. 
I demand that you take the following actions : XXXX. Immediately cease reporting the collection account associated with my name. 
XXXX. Confirm in writing within XXXX days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Violations of My Consumer Rights!!! 

28 3002-10 ( Person ) 18 USC Section 241 15 USC 1650 15 USC 1692 ( g ) ( d ) 18 USC 657 18 USC 1032 18 USC 1344 This ENTITY is a Third Party which I didn't not sign a contract with. I owe this ENTITY nothing!!!!!!!!!
Product: Debt collection

I had a XXXX XXXX  gym membership. My gym closed. I canceled my membership and it shows inactive on XXXX  website. ABC Fitness Solutions continues to contact me to collect the debt. They deducted from my credit card and I had it overturned. I called them and advised it was canceled months ago but the email me every other day
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} ; XXXX XXXX Balance : {$260.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX AV XXXX XXXX XXXX MO XXXX
Product: Student loan

Called EdFinancial Services on XX/XX/XXXX to request a refund for payments I made during COVID. My loans were transferred over from XXXX XXXX in XX/XX/XXXX, I was told they would reach out and account for any payments I had made to XXXX XXXX. 
Called XX/XX/XXXX and was told my request has not been processed and they didn't have information on how many payments I had made to XXXX XXXX that would be eligible for refund. I was also told they don't have any timeline for when my request would be processed. 
If my request is not processed I could miss the window for the student loan forgiveness.
Product: Mortgage

My loan was bought by Bay View Loan services in XXXX. I had missed the XXXX Payment. I made the XXXX Payment Then was contacted by the office asking me to enter into a repayment plan to make up for the payment I had missed. My payment went from XXXX to XXXX for 6 months. I had made all payments until I went to make the XXXX Payment then I was informed that the gentleman that had been over my account had left or had been let go and that my repayment plan had been cancelled. Then now they are telling me that I am 4 months behind on my payments. I have all of my payment receipts and I have called them to talk about my payment history they then tell me all they can do is request a payment history then I can call them back. As I am hanging up the phone I receive a certified letter stating I have 7 days to come up with XXXX or they will be starting default procedings
Product: Checking or savings account

Truist Bank became unavailable today on XX/XX/XXXX. I was unable to log in from the mobile app or the website for many hours. I was unable to call Truist because they decided they were going to close the call center on weekends, but at the same time, do maintenance that would prevent account access on that weekend. It's my XXXX money, don't stop me from accessing it. 

After the outage was resolved, I logged into the app. For some reason Truist thinks it's okay to let me log in. But they blocked my access to XXXX. My XXXX access has been suspended for " too many verification attempts ''. 

The entire app was down. So every time I tried to log in, with the CORRECT password, it counted as a FAILED VERIFICATION. And I can't call anyone for help. I have bills to pay today with XXXX. What the actual XXXX. Truist is the worst bank I've ever dealt with. Truist should be fined for blocking my access to funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my final attempt to dispute the information in my credit file which resulted from an alleged identity theft before I seek legal remedy. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX Date Opened : XX/XX/2015 Balance : {$100000.00}. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification.
Product: Credit reporting or other personal consumer reports

Hi my issue is someone applied for several unauthorized accounts in my name XXXX being one of them rather then treating me like a customer ( victim of identity theft ) /consumer they had sarcasm because I didnt catch it sooner even after I explained what happened with my loosing my mobility and filed all the proper paperwork I just want the issue resolved and off my credit report now because this happened to prevent any in the future I have credit monitoring and put a fraud alert on my credit profile
Product: Credit reporting or other personal consumer reports

TD Bank XXXX XXXX is inaccurately reporting my payment status, and worst payment status as included in Bankruptcy. The remarks state Bankruptcy XXXX XXXX, Bankruptcy completed/Closed by XXXX XXXX XXXX I have repeatedly been filing disputes with the credit bureaus and filed proof. XXXX is reporting they are unable to use my documentation, even though it is from XXXX XXXX XXXXXXXX, and lists the scheduled Creditors - proof XXXX was not involved. XXXX is requesting I pay out legal fees to get the XXXXXXXX XXXX XXXX to provide me with documentation Target was not included. The document I provided is legal proof. Additionally, I made a payment to XXXX XX/XX/XXXX ( out of my account ), how would that be possible if they were included in a bankruptcy. When in a XXXX XXXXXXXX payments come from the XXXX not consumer. The Bankruptcy was completed XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off the mortgage in its entirety on XX/XX/2020. I got a paid off letter from a lender ( XXXX ) stating that the account has been paid off and closed. 
Transunion report does not reflect this although the XXXX  's does. 
I disputed the situation with Transunion and provided them with a copy of the paid off statement. 
In both cases Transunion found the info about mortgage account as the correct one. It has been already almost 3 months while Transunion can not obtain the correct information from the lender. I am speechless about their very poor performance and it looks there is no other way than to file this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

You havent updated this account to show the date it was paid in the historical payment data ; delete XXXX XXXX XXXX XXXX XXXX immediately for inaccuracy. I will attach the transaction showing that this account was paid in full on XX/XX/2023. If this account isn't removed within 15 days I will seek legal action due to the many FCRA violations. Your incorrect credit reporting has hurt my credit score and credit rating tremendously. Please see the attached credit report showing the inaccurate data you are reporting and my bank statement showing the payment of {$540.00} on XX/XX/2023.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX, XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX -DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

On XX/XX/2021 my mortgage loan is being transferred to XXXX XXXX, a XXXX XXXX of Nationstar Mortgage, from XXXX XXXX Mortgage. On XX/XX/2021 I made my first payment on this loan and also included a principal curtailment of {$96.00} resulting in a new principal balance of {$200000.00}. When I received my first statement from XXXX XXXX they showed the transfer principal balance as {$200000.00} thus ignoring my curtailment made. I have contacted both XXXX XXXXr and XXXX about this issue and still have not received a resolution to this transfer error. My next payment is due on XX/XX/XXXX and I have informed them that I will not make it unless they correct this error.
Product: Payday loan, title loan, or personal loan

My fixed rate loan is set up in monthly installments. The money paid in keeps going in higher proportions to interest instead of principal. I call them and they never return calls. This has been going on for awhile. Something is wrong.
Product: Credit reporting or other personal consumer reports

I filed a dispute with Experian on XX/XX/XXXX of this year regarding the reporting of two 5-year-old debts that were no longer affecting my credit score. I received my results on XX/XX/XXXX. Not only did they not fix the incorrect information but the second my dispute results posted my credit score drop XXXX points. I contacted them to find out why this happened because there was no other event with my credit that could have accounted for this. They had no answer and now I've gone from a good credit standing to a fair credit standing which seems criminal and unfair. If there's a possibility that a dispute can cause your credit score to drop they should be up front about that because I had I known this I never would have filed the dispute. I went through a terrible long costly divorce and had been working hard over the last 3 years to improve my credit as a responsible person. This seems holy unfair that I went out suffer financially because they coded the response wrong causing the algorithm to trigger a XXXX decrease.
Product: Credit reporting or other personal consumer reports

information displayed on my consumer report is not belonging to or initiated by myself
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed there were multiple accounts that don't belong to me. I have never heard of these companies reporting nor have I ever given out my personal information. Here are the accounts : XXXX XXXX posted on XX/XX/XXXX, balance {$0.00} Acct # : XXXX XXXX XXXX posted on XX/XX/XXXX, balance {$46.00} Acct # : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, balance {$5800.00} Acct # : XXXXXXXX XXXX XXXX-posted on XX/XX/XXXX, balance {$8200.00} Acct # : XXXX XXXX XXXX XXXX posted on XX/XX/XXXX XXXX XXXX {$100.00} Acct # : XXXX
Product: Credit reporting or other personal consumer reports

My credit has reported false reports since I have turned XXXX ( I am now XXXX ). For the last 2 years I have been in constant communication with Experian and the other credit bureaus, to ensure they are removing false statements from my account. I am a victim of identity theft and fraud. I have disputes numerous cases, many in which, have been resolved and removed. As the evidence points to me being a victim of identity theft and fraud. I have two negative accounts reporting on my credit score : one that has been proven as fraud, and the credit card company has confirmed that and sent Experian emails to prove it, and another collections company that was removed previously ( because it was found to be fraudulent ) and now it is back on my account. I am newly XXXX XXXX XXXX and a XXXX XXXX. It is incredibly difficult and frustrating to not be able to build credit ( out of fear, the false reports will be even harder to remove ). I understand everyone has their own lives and problems and Im just one of many. But it would be greatly appreciated if you guys could simply look into this matter and help me out. Thank you in advance for your help and support. 

The Accounts in Question : Account : XXXX XXXX Date opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Balance {$360.00} Account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Removed : XX/XX/XXXX Reopened : XX/XX/XXXX Balance : {$670.00}
Product: Credit reporting or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT I AM THE VICTIM OF THE XXXX XXXX DATA BREACH I AM DISPUTING THE XXXX ACCOUNTS OPENED ON OR AROUND XX/XX/XXXX THROUGH AUGUST 0F 2018. 

I DID NOT OPEN OR AUTHORIZE DISCOVER BANK TO OPEN A CREDIT CARD ON XX/XX/XXXX AS OF THIS LETTER I HAVE FILED MY XXXX FTC AND POLICE REPORT OF XXXX. 

I HAVE ALL THE PROOF THIS IS NOT MY ACCOUNT- DISCOVER IGNORES THE EVIDENCE. 

THE POLICE HAVE AN ALLEGED SUSPECT ALSO. 

PLEASE REMOVE FROM MY CREDIT BUREAUS IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be be investigated and corrected : BankruptcyXXXX XXXX BankruptcyXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

In XXXX I paid XXXX XXXX a {$500.00} deposit for a XXXX Back-up Battery for my home. On XXXX XXXX, XXXX I paid an additional {$3000.00} as deposit prior to installation. All were processed though Pay Pall but as a guest. I do not want Pay Pal, I do not need Pay Pal and my friends & children have had problems with payments processed through Pay Pal. I just want to pay my bill directly to XXXX! This past Friday ( after the installation was complete ) I tried to pay my final bill of {$4000.00} in the same manner as before and I received : " Things do n't appear to be working at the moment. Please try again later. '' On Monday, I called XXXX & was told all was in order & that they had approved the payment but the problem was with Pay Pal. After dialing through the phone tree, " XXXX '' told me : " that this was deemed a " risky transaction '' by their computer. '' I asked for a supervisor and was told : " There is no appeal! The computer ruling is not changeable! '' I was told that I must join Pay Pal and that I must process the payment as a member. THIS APPEARS TO BE SOME SORT OF RESTRAINT OF TRADE OR FORCED PAYMENT JUST SO THEY CAN COLLECT THEIR COMMISSIONS ON CREDIT CARD PROCESSING. IS N'T THIS ILLEGAL?
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I'm writing for you for URGENT assistance to correct some information on my credit file which is hindering me from gaining employment, getting financed for housing, and life necessities. 
PLEASE VERIFY THEY HAVE MY CORRECT CONTACT/ADDRESS INFORMATION. 

Trans Union is reporting negative information from XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX   XXXX XXXX XXXX which is incorrect. These items do not belong to me. They're illegally attempting to collect money from me. 

This information is negatively affecting my credit score, and I would like it removed ASAP.

Please assist me in getting these items removed from my report so I can no longer be prohibited by the negative information which is impacting my livelihood.
Product: Credit reporting or other personal consumer reports

Company will not perform a complete re-investigation of my report. 

Screening reports stated that there using a XXXX XXXX report. That report had inaccuracies. 

Also, company is not authorize to CALL, EMAIL me asking random questions.

The company is authorize to provide me with a XXXX XX/XX/XXXX report through email. 

And to also use current information to do the re-investigation. 

I feel harassed. 

I submitted more then enough information for the company to perform a thorough re-investigate. 

I don't need to go back and forth through email. I submitted all of my requested. 

Here is there email response from XX/XX/XXXX : Thank you for contacting Screening Reports. We are reaching out to you with regards to the complaint filed with the CFPB. We would like further clarification on what information you would like removed from the report. The addresses and credit accounts noted on the report is the information reported by XXXX in XXXX. This includes the address that was noted on the application form that was filled out when applying to XXXX XXXXXXXX at the time. Are you able to clarify if you were a victim of identity theft and the reported information was a product of that? If so, we kindly ask that you provide us with a copy of the police report so that we can delete the affected information. 

Additionally, I would like to clarify that the " Eviction '' noted on the report is listed as dismissed so the report reflects that there was an eviction filing and that the case was dismissed. However if you have any court documentation regarding the dismissed eviction showing that it was expunged or removed we will gladly revise the information on the report if applicable. 

We are more than happy to assist you with this dispute process, I've attached a copy of the current report for your review. Please include your contact information so we can follow-up with you if we need additional information. 

Here is my response on XX/XX/XXXX : To whom it may concern, Please re-investigate my consumer/credit report for todays dated XX/XX/XXXX. 

The XXXX report from XX/XX/XXXX should be use in your investigation. 


Please Re investigate my report to the current XXXX report. 

Please provide proof that the information you are reporting is updated.
Product: Checking or savings account

First Citizens Bank had a promotion to receive a bonus of {$300.00} if you opened a free checking and savings account. Criteria for receiving the bonus was to establish direct deposits of {$1000.00} per month, OR make 10 debit transactions within 90 days of account opening. 

I opened my account on XX/XX/2020, and by XX/XX/XXXX I had completed the 10 debit transactions. The terms and conditions clearly state that they will pay out the bonus within 120 days after completion of all qualifiers. 

It is now significantly more than 120 days since I met all qualifiers and I have not received the bonus. 

On XX/XX/2020 I sent a secure message to First Citizens asking about the status of my bonus. 
On XX/XX/2020 First Citizens responded saying they would research On XX/XX/2020 I sent a SM asking for an update. 
On XX/XX/2020 First Citizens said they are still researching and has no timeline for when they'll have a solution. This is not acceptable, and not in line with their own terms and conditions for the offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect information on my credit report. 

I sent a letter out on XX/XX/XXXX to XXXX, XXXX XXXX, and Equifax. However, it has been 30 days and the credit bureaus failed to accurately update the information on my credit report. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Checking or savings account

This morning, XXXX XXXX at XXXX, I received an email to let me know that a new checking and savings account was opened with TD Bank in my name. I called and let them know that I did not open a new account with them, nor did I bank with them. They directed me to their fraudulent line and she has submitted a claim and gave me direction to call all of the credit unions, social security office and to file a claim with the FTC.