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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Dear Sir/Madam, I am writing to dispute fraudulent information that appears on my credit report provided by [ Credit Bureau Name ] . Upon reviewing my credit report, I have identified an account labeled [ Account Name ] that I did not open or authorize. This fraudulent account is not associated with any transactions or activities conducted by me, and its presence on my credit report is a clear violation of the Fair Credit Reporting Act ( FCRA ). 

The fraudulent account details are as follows : - Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : Closed The inclusion of this fraudulent account on my credit report not only represents a severe breach of my financial security but also poses a significant threat to my creditworthiness and reputation. As per the FCRA regulations, credit reporting agencies bear the responsibility of ensuring the accuracy and integrity of the information they report on individuals ' credit profiles. 

Section 611 of the FCRA explicitly outlines the responsibilities of credit reporting agencies when reporting fraudulent information, emphasizing the need for accurate and timely investigation of disputed accounts. The presence of unauthorized and fraudulent accounts on my credit report not only compromises my financial standing but also violates my rights under the FCRA.

I demand that the fraudulent account labeled [ Account Name ] be promptly investigated and deleted from my credit report. This unauthorized account poses a serious risk to my credit reputation and financial well-being, and its immediate removal is imperative to mitigate any further harm.

Enclosed with this letter are copies of supporting documents that verify my identity and attest to the fraudulent nature of the account in question. I urge you to conduct a thorough investigation into this matter and take swift action to rectify the fraudulent reporting on my credit profile.

I expect a prompt response and the deletion of the fraudulent account from my credit report within the legally mandated timeframe of 30 days. Failure to address this matter in a timely and compliant manner will result in further action to seek redress for the violation of my rights under the FCRA. 

Thank you for your immediate attention to this critical issue. I look forward to the swift resolution of this dispute and the removal of the fraudulent information from my credit report. 

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

Incorrect late reporting for a Credit Builder account with Credit Karma for the month of XXXX, I have been back and forth with Credit Karma and the credit bureaus to no avail as they will not offer help in solving it. Credit Karma said they would remove the incorrect reporting beginning of XXXX and then proceeded to report it and now refuse to remove it.
Product: Credit reporting or other personal consumer reports

This morning, I was completely shocked to find inaccurate accounts on my credit report, and I have no idea how they got there. I check my report regularly, but this time, there were random discrepancies that I wasnt expecting at all. I even refreshed my browser hoping it was some sort of glitch, but they still showed up. I am extremely concerned, and I need the documents Ive sent to be reviewed thoroughly, so I dont have to stress about this ever again.
Product: Debt collection

XXXX XXXX XXXX is trying to collect on a consumer credit transaction that I entered into with another company. They are violation my consumer right pursuant to 15 USC 1692 ( d ) ( 3 ) by listing alleged debt on my consumer report. They are also violation my rights by saying I owe a debt in the positive pursuant to 15 USC 1692e ( 2 ) ( A ). I requested XXXX XXXX XXXX to validate alleged debt pursuant to 15 USC 1692 ( g ) and they have not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account XXXXXXXX XXXX XXXXXXXX Account XXXX, XXXX XXXX XXXX  Account XXXX, XXXX XXXX XXXX Account XXXX, has 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

These are charges on XXXX  for dental services. It was for myself and wife. Wife passed away in XXXX. It was paid! XXXX  sent it to a third party agency called PORTFOLIO RECOVERY ASSOCIATES. This needs to be deleted off my reports. I am XXXX XXXX XXXX. It will not be paid even if I do owe it.
Product: Mortgage

We were submitting documents to Specialized Loan Servicing in 2017 and at one point we received a payoff quote, along with the payoff quote we received a Disclaimer. 

The Disclaimer reads as followers : We are required by regulation of The New York State Department of Financial Services to inform you for the following information. This information is not legal advise. 
Your creditor or debt collector believes that the legal time limit ( statue of limitations ) for suing you to collect this d

ebt may have expired. It is a violation of the fair Debt Collection Practices Act, 15 U.S.C.1692 et seq., to sue to collect on a debt for which the statue of limitations has expired. However, if the creditor sues you to collect on this debt, you may be able to prevent to prevent the creditor from obtaining a judgment against you. To do so, you must tell the court that the statue of limitations has expired. Even if the statue of limitations has expired, you may choose to make payments on the debt. However, be aware : if you make payment on the debt, admit to owing the debt, promise to pay the debt, or waive the statue of limitations on the debt, the time period in which the debt is enforceable in court may start again. 

If you would like to learn more about your legal rights and options, you can consult an attorney or legal assistance or legal organization.

SLS Contact Information : Specialized Loan Servicing, LLC XXXX. XXXX XXXX XXXX, CO XXXX This letter was received after entering into a loan modification. 
We had an Attorney contact Specialized Loan Servicing and was able to get absolutely no information. 
We have tried to speak to SLS but all they say is that we gave you a loan modification. 
Each month even though we have made payments they send us a new loan modification package. They have admitted that the collection of the debt has expired. 
PLease help us with this situation.
Product: Credit reporting or other personal consumer reports

Re : EQUIFAX- I have now made a second attempt with theworknumber.com which is also known as Equifax, to correct my employment information as this is how potential employers will check me against my resume. The first time, I got nothing, no results, no communication, nothing. When I made the dispute a second time on XX/XX/XXXX, they sent me an email saying I would get another email wherein I have to provide a copy of my Drivers License, a paystub and a utility bill in an email back to them in order for any action to be initiated. This should be illegal as it's just another tactic to not make any changes and leaves the consumer at risk. They already have my information and I had to use my SS # in order to get access in the first place, so that isnt good enough? I rent and all of my utilities are done online so I dont receive any bills to the house , this isnt 1980. I am also out of work at the moment and looking for a job which is why I need to fix this in the first place, so I dont have a recent paystub and the company I did work for did auto deposits so never got a paystub. So now because of the agencies again making it IMPOSSIBLE for the consumer to make any corrections, I will be at risk of being rejected for employment.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and : - I have a XXXXXXXX XXXX account on my credit report ( XXXX ) that I paid off that is showing with a late payment and I HAVE NEVER BEEN LATE. I reviewed my credit reports and there is another XXXX XXXX Acct with the same credit limit, same dates opened, and same account info that shows NO late payment. I paid that account off and I paid it on time EVERY TIME. I have attached the screenshots that show you the XXXX XXXX accounts that are the same and XXXX showing no late payments, WHICH IS CORRECT. 

- I have an account on my credit from XXXXXXXX XXXX XXXX, which is a collection agency from XXXX at XXXX XXXX. XXXX at XXXX XXXX agreed to have the account removed from my credit report if I pay the balance. I PAID THE BALANCE yet it is still there. I sent them a letter in regards to the matter ( which I attached ) and they responded that they sent a request to the credit bureaus to get the account removed yet it is still there. After speaking to an employee they advised for me to contact the bureaus. I have sent out many letters and the account is still there. 

- I have an account from XXXX XXXX, which is a collection agency from XXXX XXXX. Same as the issue above. An agreement was made! There is no reason that these items are still on my credit.
Product: Debt collection

They called me at work several times wanting payment after being 1 day late. I repeatedly told them not to contact me at work. 

Now they have past it off to a creditor who has suddenly reported it to my credit with no Notice. I don't believe I owe them any money as they harassed me at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was taken from a storage unit I had that was auctioned off. I am a victim of identity theft and the following accounts do not belong to me. Please Delete these items immediately. I have reached out to all creditors to let them know as well.
Product: Mortgage

Hi, I have a 15 year Fixed Home Mortgage Loan with US Bank. When I login to make a Mortgage payment from their web-site ( https : //onlinebanking.usbank.com/Auth/Login ), it gives you few options when making the mortgage payment. Even though, I select the payment towards next EMI, the payment is still applied towards Principal payment. When I communicated with them, they did so many reverse entries that no one can understand ( I have XXXX in XXXX still it is confusing ). I am not sure whether my payments are correctly applied so filed a complaint with their customer support department. Have only got communication with a vague language without any answer to my original complaint. Please help me to resolve the issue as US Bank does not care for resolving it. 

Thanks. 
P.S. I can provide my personal information if needed.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and as a result, fraudulent accounts and inquiries have appeared on my credit report. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following fraudulent accounts and inquiries be blocked and deleted from my credit report : Fraudulent Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

Account : XXXX XXXX Months and Years of Late Payments : As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission ).
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$19000.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$5700.00} XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$5700.00} XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX  XXXXXX*********** Balance Owed : {$19000.00} XXXXXXXX XXXX XXXXXX************** Balance Owed : {$5700.00}
Product: Debt collection

Call log XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Called them back at XXXX at XXXX told them to stop calling they said they cant unless I give them my information and social security number. 
XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX called left voicemail at XX/XX/XXXX XXXX blocked phone number XXXX XX/XX/XXXX XXXX called left voicemail and I blocked the number. 
This has been going on since XXXX of XXXX with different numbers. 
Number they want me to call back at XXXX
Product: Credit card or prepaid card

i have 2 issues that need to be addressed. ( 1 ) I had a group of credit / refunds owed to be by a merchant. at least ( 21 ) of these credits posted to my account between XX/XX/2021 through XXXX, XXXX. After the credits were adjusted to my account, I have a credit balance of at least {$40000.00}. When I requested my credit balance to be mailed back to me, I was advised all the credits were transferred over to some internal Citi account, however, Citi is now telling me they can not access my account and that they have no idea where my credit balance is or how to submit a request for the refund to be mailed to me. ( 2 ) in addition, Citi also needs to adjust all interest owed to me in connection to the credited transactions, which has not been corrected on the account.
Product: Credit card or prepaid card

This company, USAA, claims to have the right to hold payments to my credit card balance for 7 days. Whenever I make a payment, they deduct it from my checking account and credit it to the balance on the credit card but the funds are not available for use for 7 days. It is the only credit card that I have that has this policy. Is this legal?
Product: Debt collection

The company name is Aaron Agency. They are collecting for XXXX XXXX company in the amount of {$3800.00}. I noticed a new collection on my credit report and inquired about it by disputing it. I found out the amount and time frame, knew instantly it wasn't mine. I figured out it was someone who I had a relationship with 34 years ago. I disputed it many times with the credit bureaus. They would remove it but after I finally raise my credit score, here it comes again. It lowered my credit score XXXX points just when I am trying to make a major purchase. They have been a thorn in my side and just will not stop. This is just one of the two that keeps doing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts listed on my credit report that aren't mine.
Product: Debt collection

When I terminated my service with XXXX XXXX XXXX XXXX in late 2019, I was told that the final bill would be XXXX XXXX and XXXX something dollars for early disconnect and the rep was going to notate the account that I would be disputing the amount because I was mislead at the beginning of the contract. I called prior to the beginning of the next months service as well, so there should have been no additional monthly service fees. When I called back to provide my mailing address and request a box to return their equipment ( I advised her service was for a second home with no mailbox ), she said it was not necessary and to just drop the equipment off at a local XXXX XXXX location. My neighbor of the location I had the service at called me and said there was a return box from XXXX XXXX XXXX XXXX on my porch. Of course this is after I had already explained we did not live there or have a mailbox. I have received no communication since then. I have another account with XXXX XXXX XXXX for our primary residence, so they have my mailing address. I have received no collection letter nor was I given an opportunity to dispute the debt at any time.
Product: Mortgage

I originally purchased the home in XXXX for {$18000.00}. In XXXX I did a modification loan to lower the interest rate. I was charged {$7000.00} to re-modify my loan. My loan was purchased by Chase from XXXX XXXX. I was mislead in signing the loan papers. It was not explained to me clearly that I would be paying 10 additional years on the loan. I feel it was a predatory loan. Im paying to much for the loan by Chase. Ive paid an extra {$200.00} a month to go towards my principal balance. Chase could not give me a clear understanding of what my unpaid balance is. Ive reached out to them several times and was told, we would like to accommodate you, we no longer have the ability to deliver this information.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

This evening, I was alarmed to discover unauthorized inquiries on my credit report, and I have no idea how they appeared. I routinely check my credit report, but this time, discrepancies showed up out of nowhere. Refreshing the page didn't help, and the unauthorized inquiries remained. I am asking that my documents be carefully reviewed to resolve this issue once and for all.
Product: Money transfer, virtual currency, or money service

On Monday, XX/XX/2019 at about XXXX, I tried to repay a loan at ACE Cash Express on XXXX XXXX in XXXX, OR. It smelled like cigarette smoke inside and I complained about it. XXXX told me to leave and refused to accept my repayment. 

I do not think I should have to repay the loan at all. Can you help?
Product: Debt collection

AESXXXX student loan is reporting I open as XXXX they are reporting this information to XXXX XXXX, and XXXX. I disputed with all three credit bureaus in writing ( three times ) My demand is to remove the debt off my credit reports it has been on my report for the last 10 years. I have called AESXXXX as recent as XXXX asking why is it still reporting. They explained it was not still reporting. They informed the credit bureau on XXXX that the information was paid in full and to be removed after seven years. 

I have expressed my concerns to all three credit bureaus about their reporting is a direct violation of the Fair Credit Consumer Protection law. All debt by law should be removed within Seven Years. They refused to remove the debt their explanation is that it is correct information under the Consumer Fair Reporting Act. 

This is my last attempt before taking all three credit bureaus to court. I would like for you to reach out and advise AESXXXX is a violation of Federal law. I am also going to sue for damages with lost of job opportunities. I have sent at least six letter with proof of the information being 10 years old.
Product: Debt collection

It is shown that the following agenc y,   XXXX   XXXX   XXXX    with an address of  XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  phone number (  XXXX  )  XXXX , are not bonded in Texas and can not legally collect debt. They are active on my report as of  XXXX   XXXX ,  2017 in  the amount of {$190.00}.
Product: Vehicle loan or lease

To Whom it May Concern, I XXXX XXXX have had nothing but issues with Santander Consumer USA, they erroneously placed me on a cease and desist in regards to communications. I spoke to multiple representatives at this company and the last was finally able to resolve this issue. The reason I bring this up is because the repossessed my car with no forewarning and or no explanation of any of the fees that have been incurred on the account. My original loan was for roughly {$13000.00} and I've paid nearly {$30000.00} for car that I still owe XXXX on. I have upload a transcript of all transactions on the account and am more willing to suffice any other documents needed. I am filing a formal complaint with my local consumer protection agency for the first repossession as the tow truck company illegally entered into a gated property for residents only, the sign outside states " private property violators will be prosecuted '' the tow truck driver followed behind a vehicle and illegal entered my residence with no consent from the landlord.
Product: Credit reporting, credit repair services, or other personal consumer reports

This goes back to XXXX .I inquired with XXXX XXXX XXXX about attending school. I did paper work and went to school for about XXXX week there. I never received not XXXX check. I got incarcerated the same week I started for 9 years. The school fraudulent cashed checks in my name because I did n't. I sent an article to XXXX XXXX. Servicing showing them at the time I had signed up for school .they were falsifying documents such as checks. In students name. I tried to dispute with XXXX XXXX XXXX I requested a fraud affidavit they never provided. This is not my debt a d should not be on my credit report
Product: Vehicle loan or lease

The company unlawfully took possession of my XXXX XXXX XXXX XXXX. 

I filed bankruptcy, Monday XX/XX/XXXX and notified ALLY BANK. I provided the company with the Bankruptcy filing number : XXXX. I also notified the company that all collection activity must stop in accordance with the Federal Rules of Bankruptcy Procedure. 

The company willfully failed to comply and continued to require that I pay them to get the XXXX XXXX XXXX XXXX back in my possession. 

The company is depriving me of my rights under XXXX of law.