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

I am writing to request the removal of certain personal information from my credit report. I recently reviewed my credit report and noticed that it contains some outdated or inaccurate information, specifically regarding addresses, names, and phone numbers. 

I have identified the following incorrect or outdated information on my credit report : Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Resident type - XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX type - XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX type - XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX Resident type XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX Resident type - XXXX XXXX XXXX XXXX XXXX, GA XXXX Resident type - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Resident type - XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Resident type - XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX type XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX Resident XXXX - XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX Resident type - XXXX XXXX XXXX XXXX, PA XXXX Resident type - XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Resident type - XXXX XXXX XXXX XXXX XXXX, GA XXXX Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Numbers : ( XXXX ) XXXX XXXX ( XXXX ) XXXX Cellular ( XXXX ) XXXX I understand the importance of accurate credit reporting , and I am committed to ensuring the integrity of my credit file. These inaccuracies can affect my ability to access financial services, obtain credit, and make important financial decisions. Therefore, I kindly request that you remove the aforementioned incorrect or outdated information from my credit report as soon as possible. 

Enclosed with this letter are copies of documents that verify my current address and other relevant personal information. I hope that this will help expedite the process of updating my credit report. Additionally, I would appreciate it if you could send me a confirmation letter once the changes have been made. 

Please be aware that under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate and correct inaccuracies on a consumer 's credit report. I am relying on your prompt attention to this matter to ensure the accuracy of my credit history. 

Thank you for your prompt attention to this request. If you require any further information or documentation to process my request, please do not hesitate to contact me
Product: Debt collection

company calls from multiple numbers everyday. Have to them to send anything via postal service. The also never leave message and name comes up on caller ID but they have never said who they are or why there calling. Every single day and have never gave them number or permission to call me.
Product: Credit reporting, credit repair services, or other personal consumer reports

During XXXX of XXXX year XXXX i was released from my job due to catching XXXX. during that time period someone broke into the office of my job and stole my personal information which contained my SSN and my personal identification. after recently reviewing my credit report i discovered that someone used my SSN and other personal identifying information to successfully open up 4 different accounts in my name that i had no knowledge about. 

The accounts or as followed : XXXX. ) XXXX XXXX XXXX ( opened on XX/XX/XXXX ) XXXX. ) XXXX XXXX XXXX ( opened on XX/XX/XXXX ) XXXX. ) XXXX XXXX XXXX XXXX ( opened on XX/XX/XXXX ) XXXX. ) XXXX XXXX XXXX XXXX ( opened on XX/XX/XXXX )
Product: Mortgage

I am in need of a consultation on a BofA mortgage in pre-foreclosure on my deceased Mom 's co-op in XXXX, NY. The co-op is in her name alone, though I have been living there since XXXX. FDIC law guidelines from XXXX state that a predatory or abusive lending practice includes offering a mortgage when the mortgagee has no ability to repay, which was my mother 's case when she was offered the mortgage in XXXX, as she could not repay a {$250000.00} loan living on {$1800.00} a month social security. My question is does this abusive bank practice invalidate their legal claim on the property?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 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 an account without my written instructions.
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. 


Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been reporting my negative account over 7 yrs. they have made false reports about account being late 4 after years. i was late for payment first year of loan and they arrear balance..fcra states 7 years. i disputed information with XXXX.trans union and XXXX. stating first late payment was XXXX..when first late payment was XXXX..due to hardship i was going thru. unable make payment they agree to arrear two months payments XXXX..i wish have remove immediately from all credit agencies.
Product: Credit reporting or other personal consumer reports

Again, I value the efforts already made to address some inaccuracies in my file resulting from incorrect reporting on my credit report. However, I also repeat that there remain several inquiries and an inaccurate address that require removal. After reviewing my credit report, I noticed persistent inaccuracies that I find problematic. Upon contacting the companies listed below, I requested the removal of these inquiries from their records and the deletion of any associated records with credit reporting agencies. They have assured compliance with my request and the necessary steps for resolution. Nonetheless, I am reaching out to ensure these corrections are fully implemented. The list below details the outstanding inquiries and the inaccurate address that need to be excised from my credit reports : EXPERIAN : XXXX XXXX XXXX XX/XX/XXXX ======XXXX  : XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ======XXXX  : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX As a forthcoming mortgage applicant, I am keen to ensure my credit score accurately reflects my creditworthiness. Enclosed with this communication is my updated FTC report, numbered XXXX. I request a comprehensive report on your findings within the next XXXX  days, anticipating prompt resolution to this matter.
Product: Mortgage

My husband passed away XX/XX/XXXX and had a mortgage with XXXX XXXX XXXX. I became the executor to his estate and my son XXXX resides in the home. We had trouble paying the debt and got behind. We met with a housing counselor, XXXX XXXX in XX/XX/XXXX. In the process or sending documents to XXXX  XXXX XXXX for a loan modification/assumption, the servicing changed to Fay Servicing. We again with our housing counselor sent another package to the new servicer Fay Servicing in XX/XX/XXXX. We have been sending them everything from the copy of the death certificate, copy of marriage licence, copy of the will, copies of probate, copy of deeds and a third party authorization for our housing counselor. As of today, we still can not get anyone to communicate with us as we only receive copies of bills in the mail. We have been calling them every other week at least and get the same answer, they can not speak to us and they say our account manager is never available.
Product: Credit card

I booked flights via Chase Cardmember services. The AA flight was cancelled prior to our departure and we were never notified. We had to make other travel arrangements to return home and Chase has refused to compensate us for the additional travel costs
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 U.S.C 1681 Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. State 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 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 in inaccurate.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To whom it may concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I sent a letter certified mail to XXXX XXXX XXXX via certified mail. I have yet to get a response letter or correction of my credit report. On XXXX it is listed as deleted but still appears on my report. Looking for immediate correction.
Product: Credit reporting or other personal consumer reports

World finance says I owe them XXXX and it was not credited to my account and someone else took out that loan
Product: Mortgage

My mortgage company, Select Portfolio Servicing XXXX XXXX, started an Escrow Account for my XXXX property taxes after I asked them to close it previously on XX/XX/XXXX. I informed them at the time that I wished to make my payment directly to XXXX XXXX, MO. 

I am still in the process of disputing the amount of {$1100.00} which they said was an advance. This is part of complaint XXXX filed on XX/XX/XXXX. There is no reason for the company to set up a new Escrow account. The fact that my payment for XXXX taxes was late was not of my doing. I paid into an Escrow account for XXXX for taxes with the assumption that said monies would pay for my taxes. I, in fact, alerted the company that the taxes had not been paid on XX/XX/XXXX after asking XXXX XXXX why I had not received my receipt. It still took them XXXX weeks to pay the taxes. 

This claim that I owe {$1100.00} as a shortage and the adding an additional amount of {$93.00} raises my monthly payment to {$570.00}. This is an increase of {$240.00} per month. 

I will be sending another letter to the company asking for my Escrow to be closed. Their previous responses to my inquiries leaves me in doubt as to whether my concerns will actually be addressed.
Product: Vehicle loan or lease

Notice Of Cease & Desist Title 15 U.S. Code 1692c To whom it may concern, this is also a notice to cease & desist. Violating this code is a Violation of the FDCPA. XXXX XXXX XXXX will be civilly liable under Title 15 U.S. Code 1692k if XXXX XXXX XXXX failed to abide by my cease & desist order. Me XXXX XXXX, A Natural Person & Consumer has had my rights violated by XXXX XXXX XXXX. 

My Demands : Audit trail credit application Entire file on me XXXX XXXX All Documentary Evidence on me ( includes all documents, papers, correspondence, books of account, and financial and corporate records. ) Remove inquiry from all credit reporting agencies Respectfully XXXX XXXX, XXXX Natural Person
Product: Credit card

XX/XX/year> XXXX XXXX XXXX customer service : On XX/XX/year>, I applied for your credit card offer which specified 5 free nights, contingent upon spending $ XXXX in the first 3 months. 
I met the obligation, but was only rewarded 3 free nights.

After several hours on the phone waiting to talk to a supervisor, it was explained to me that I was approved for the 3 night offer instead of the 5 night offer I actually applied for.

Im relatively sure that this error was due to a software glitch somewhere along the line, as the 5 night offer I applied for was released on XX/XX/XXXX, and I applied on XX/XX/XXXX. 
To say Im disappointed is an understatement. 
Rather than acknowledging their mistake, Chase XXXX states that Im an existing account owner who is trying to obtain 2 additional free nights by transferring them to a different account.

Ive talked to 3 different supervisors, and have escalated this issue twice.

This is the same response that Ive gotten from both of my escalations : that promotional offers are not transferable between accounts.

Im sure that companies like Chase and XXXX do not intentionally participate in bait and switch credit card scams, but it sure feels that way. 

Beware of JP Morgan Chase/ XXXX bait and switch credit card scam! 
Chase XXXX is currently offering 5 free nights worth XXXX points ( {$400.00} per night ) However, after acceptance and meeting the requirement to spend {$5000.00} within the first 3 months, only 3 free nights are awarded to your account. 
Attempts to remedy error with Chase/ XXXX XXXX given answered like this : We appreciate your interest in our new offer to receive 5 Free Night bonus offer. Unfortunately your account isnt eligible to receive it. Promotional offers are only available for select credit cards and arent transferrable between accounts.

This apparent slight of hand will result in a {$800.00} valued reduction in agreed upon terms.
Product: Mortgage

On XX/XX/2019 my LTV reached 80 % on my conventional loan with Loancare. I have had no late payments in the life of the loan and property value in my city has increased dramatically in the past 4 years.

I called to request the cancellation, after waiting on hold for a half an hour, I was told to send an email to their customercare email, so I did. After no response from them, I have subsequently sent 3 additional emails and called one more time, only to be told it's in review and I should receive a letter in the mail. 

It is now XX/XX/2019 and I have not received anything in the mail, and no email response regarding my request. However, I did receive my statement for XXXX which is including the PMI that I have requested to be cancelled. 

This company 's inability to communicate with its customers is inexcusable. The unfair act of continuing to charge me the PMI cost when I am eligible to have it cancelled and not communicating with me regarding my request is inexcusable.
Product: Credit card

Please refer to the attached documents. I request the bureau to initiate an investigation into these accounts, as I have never been late, yet they are reporting me as such.
Product: Payday loan, title loan, or personal loan

On Friday XX/XX/XXXX I applied for a loan with XXXX at approximately XXXX. Around XXXX I called them to cancel the loan. I no longer wanted the loan at all. They refused to stop the transfer of funds to my bank and cancel the agreement. I then went to my bank and closed out all of my accounts associated with XXXX and started a different bank account. 

The bank manager assured me that it would prevent any transfer from fineday from posting and the money would be sent back to fineday funds. I then tried contacting them via phone again and they told me I needed to e-mail them to transfer the funds. 

I sent the e-mail late last night on XX/XX/XXXX. I told them I did not wish to receive any funds from them in any form. I wanted nothing to do with their company and I wanted to cancel the loan itself. 

Today on XX/XX/XXXX I received a response from fineday funds. They demanded I repay them {$670.00} in order to do business with them in the future or to pay them back {$650.00} and the loan would be cancelled. I never received {$650.00} from them. There was no possible way for me to receive {$650.00} from them yet they were demanding payment from me. On top of this they stated in the email Please respond to this email by XXXXXXXX XXXX XXXX on XX/XX/XXXX. Otherwise, you will miss the deadline for the cancellation of this loan. 

Which is deceitful. The deadline for cancelling the loan per the loan agreement states. You may cancel your payment obligations under this Agreement, without cost or finance charges, no later than XXXXXXXX XXXX XXXXXXXX of the second business day immediately following the Disbursement Date ( Cancellation Deadline ). Your right to cancel your loan only applies if your loan either hasnt funded or, if it has, the funds are returned to us as explained below. 

Friday XX/XX/XXXX would have been the first business day and Monday XX/XX/XXXX would be the 2nd business day and I would have a deadline of XXXX XXXX  and yet they were wrongly claiming in email that I needed to respond by XXXX or I would miss the deadline. 

I responded to the email stating I never received any funds nor is the deadline today at XXXX XXXX. 

They responded by telling me they could not cancel the loan because the funds were deposited into my account. Which is impossible because the account no longer exists.
Product: Debt collection

On XX/XX/2019 and XX/XX/2019, I stated to the company I was willing to pay what I was paying the other debt collector, XXXX, who went out of business, which is {$100.00} a month. However they wanted me to agree to their terms of payment. So I asked if I could have until the end of the month to budget, the supervisor got on the phone and said you know how much you make, you have 2 hours to agree to our terms or we are going to garnish your wages and I have your employers contact information. I said I will agree now on the {$100.00} a month but he told me to keep my little money for my lawyer. Then I said I have one and I pay every month, he said whats the number about 5 times before I hung up. I also got a message that I refused to pay which I never refused to pay.
Product: Credit reporting or other personal consumer reports

I AM STRUGGLING TO GET MY INFORMATION AND LIFE BACK TOGETHER WITH MY EXPERIENCE WITH HUMAN TRAFFICKING UNDER 605C. PLEASE SEE MY ATTACHED DOCUMENTS TO FURTHER SUPPORT MY CLAIM AND REMOVE FRAUDULENT ACCOUNTS REPORTING ON MY CREDIT FILE.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX is illegally reporting payment transactions on my Experian credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Reports of Experian listing dark web information found on the credit report. Being denied employment. In XX/XX/2018, reported dark web information found to FBI and filed a report as information is incorrect, improper use of email address, identity theft as email address is registered on job boards, public websites such as XXXX for employment. Current Experian is reporting as a Negative on the credit report on personal information found in a dark web search. I have taken the necessary steps in reporting to the authoritative agencies about these types of searches. Claiming Personal Identifiable Information, Defamation, and Identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my credit report payment history I am showing XXXX CO, XXXX CO, and XXXX N. I have never missed a payment on this account. The letters CO and N on the corresponding months are in red. My XXXX payment was on time and I settled the account for less than what I owed later that month. The representative told me it would not harm my credit to do so. They said it would still be good for my credit score but not as good as paying it in full. Later I found that not to be true. I am working to try to resolve that as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. US DEPT ED XXXX Balance : {$1800.00} ; US DEPT ED XXXX Balance : {$3200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXN XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.