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

I have disputed all of these unauthorized inquiries with all three credit bureaus. 

XXXX XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX XX/XX/XXXX Oil And National Credit Cards XXXX XXXX XXXX   XX/XX/XXXX Finance
Product: Money transfer, virtual currency, or money service

Cash app missing money I don't have the dates because they closed my cash app account
Product: Checking or savings account

Several times today ( XXXX ), I attempted to access my account online, but kept getting error messages stating that I did not have authorization to access the account " on this server. '' I called Synchrony Bank and talked to two different people to try to resolve this problem, including an alleged bank manager named XXXX, but they refused to fix the problem. In fact, both of them hung up, the first ( XXXX ) when I asked to speak with a supervisor, and then XXXX, when I demanded that they give me access to my funds on deposit so I can pay my bills. What should have taken less than two minutes to accomplish online has now turned into an hour-long hassle, with still no resolution to the problem!
Product: Debt collection

Certified Letter sent to collection XXXX XX/XX/2018 to ask for verification. Certified letter was returned on with UTF ( unable to find ) on envelope. letter sent to credit agency on XX/XX/2018 addressing the verification issue. another letter was sent to credit agency on XX/XX/2018 with copies of returned certified letter. s Still no resolution and it is XX/XX/2018. computer generated letters are all I'm getting back with no human interception.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXXXXXX 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 XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$19000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im experiencing financial hardship, being that Ive been impacted by covid 19 and I have been paying what I can and the credit bureau and XXXX XXXX is reporting that Im 30 days late. Due to the pandemic relief packages guidelines the credit bureaus are not in compliance and I made a payment on my auto in XXXX
Product: Mortgage

Good evening, our home loan servicer is SPS ( Select portfolio Servicing ). Our insurance claim check was taking applied to our mortgage, without our permission. Then we received our XXXX tax form for the year XX/XX/XXXX from SPS. Box 1 Mortgage interest received from borrower showed XXXX, SPS added the XXXX insurance check to that number. On XX/XX/XXXX I went down the the IRS office in XXXX Mass and asked for a copy of what SPS reported to the IRS in XX/XX/XXXX. We found out that SPS reported XXXX as mortgage Interest received from payer ( XXXX XXXX ) to the IRS for the year of XX/XX/XXXX.

This is tax fraud.SPS XXXX to me and what SPS reports to the IRS Should be the same dollar amount. I believe the reason why SPS did this is to make the mortgage securities more marketable. So they can sell the loan for more money. We have never been late on our mortgage payment to SPS. This is a Ponzi scheme. I am asking for SPS to have there licence to operate to be revoked. and no longer do business. We are not going to have a XX/XX/XXXX mortgage event again.

I have copies of the XXXX they sent us for XX/XX/XXXX and the XX/XX/XXXX XXXX  that was reported to the IRS from SPS.

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM 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: Checking or savings account

On XXXX XXXX, 2017, I filed a claim with Bank of America because I had unauthorized charges on my account.

I explained to the representative that I had been using a temporary debit card ( issued by Bank of America ) until my permanent debit card arrived in the mail. On the day that I received the permanent debit card, I also received a letter from Bank of America with my PIN number enclosed.

I was n't aware that the temporary card would still be active after I activated the permanent card. So, I tossed the letter and the temporary card into the trash.

I later realized the false charges.

So, when I called, I was given a temporary credit-on XXXX XXXX, 2017. 
Today, I received an email that stated the credit is being reversed because the thief only swiped my card one time and did n't attempt to steal more! How ridiculous!
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : ***Transunion XXXX XXXX XXXX Last reported XX/XX/XXXX {$52.00} Open XXXX XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type Collection XXXX XXXX XXXX Last reported XX/XX/XXXX {$820.00} Open XXXX XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type Collection * XXXX XXXX XXXX Last reported XX/XX/XXXX {$670.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type Collection ** XXXX XXXX XXXX Last reported XX/XX/XXXX {$610.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type Collection ** XXXX XXXX XXXX Last reported XX/XX/XXXX {$200.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type Collection ** XXXX XXXX XXXX  Last reported XX/XX/XXXX {$200.00} Open balance XXXX XXXX XXXX  Original creditor XXXX  Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type Collection ** XXXX XXXX XXXX Last reported XX/XX/XXXX {$52.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type Collection
Product: Credit card

I am writing to seek your assistance regarding an issue I have encountered with my Amazon Store Credit Card issued by Synchrony Bank. My goal is to formally request the closure of this account and the removal of late payment reports from my credit report that I believe is inaccurate. 

Recently, I discovered an unexpected late fee and interest charge on my credit card statement, which I do not recognize. Despite my disagreement with these charges, I paid the full balance upon discovering the issue. However, I no longer use this credit card and would like to close the account to avoid further complications. 

The late payment has negatively impacted my credit score, and I believe it does not accurately reflect my payment history. I would appreciate your guidance on how to formally address this matter with Synchrony Bank, and if necessary, to dispute the late payment reporting with the credit bureaus. 

Thank you for your assistance in resolving this matter. I look forward to your guidance on the next steps. 

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

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 days mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to .... promptly delete all information which cannnot be verified. that I have disputed. Please resolve this matter as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

report will really put me in trouble, been waiting for the credit bureaus response and its really making me XXXX  XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Debt collection

Capital One  Auto Finance provided a document as their method of verification how was this physical documentation provided to the credit reporting agencies  XXXX ,  XXXX   XXXX  and  XXXX . Please provide the method of verification, did you all under the FCRA law send this physical documentation with my signature to the credit bureaus, IF NOT, then the information under FCRA Section  623 of the Fair Credit Reporting Act governs the responsibilities of furnishers ( CAP1 AUTO FINANCE ) of information to consumer reporting agencies to report 100 % verifiabl e and 100 %. If this physical contract with my signature was not PROVIDED to  XXXX ,  XXXX , and  XXXX   XXXX  I attend to Pursue litigation under applicable laws for this violation. Send it  Via  CFPB portal the confirmation of this contract with my signature and how you sent it to  XXXX ,  XXXX , and  XXXX   XXXX .
Product: Mortgage

SELECT PORTFOLIO SERVICING APPLIED AN UNJUSTIFIABLE {$180.00} AND {$11.00} FEES. THEY REFUSE TO REMOVE THE FEES DESPITE ME PAYING CURRENT FOR MANY YEARS AND I HAVE NEVER HAD ANY ESCROW. DURING COVID XXXX TRIAL PAYMENTS SUPERVISOR XXXX EXTENSION XXXX THAT MY ACCOUNT FULLY CURRENT I PAID {$1600.00} ON XX/XX/year> CONFIRMATION NUMBER XXXX. THEREAFTER I PAID ALL DUES TIMELY SPECIALLY ON XX/XX/year> {$300.00} CONFIRMATION NUMBER XXXX CURRENT.
Product: Credit card

Refer to the attached documents. I request the bureau to initiate an investigation into these accounts, as they inaccurately report me as late, even though I have never been overdue.
Product: Debt collection

My name is XXXX XXXX and I am a CONSUMER and ORIGINAL CREDITOR. I received a letter from Resurgent Capital Services stating they took over an alleged debt from LVNV Funding LLC I never gave any consent to this none of this companies to contact me pursuant 15 USC 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- they are violating the federal laws including 15 USC 1692b ( 5 ) -not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt and 15 USC 1692b ( 2 ) -not state that such consumer owes any debt. I have proof of it and it will be attached to this complaint that Resurgent Capital Services is violating my federal CONSUMER rights pursuant the FDCPA laws mention above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a chase freedom flex card. After several weeks of waiting for the results, I never heard back from the company. After realizing they did a hard pull on my credit report, I called the company back and they found my application. After reaping there mistake and accepting my account, the did a second credit inquiry on my account for the same application.
Product: Mortgage

My prior complaint was closed and was not resolved so I am filing another one. My prior complaints was COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Mortgage ISSUE Struggling to pay mortgage I just got 2 letters from Selene Finance mortgage company. One was dated XX/XX/XXXX and said that I am behind on my mortgage and to contact them for assistance. WHAT A JOKE!!! I also got a letter dated XX/XX/XXXX and this one notes that they got my documents on XXXX. If that is the case, why are they sending me another letter on XX/XX/XXXX telling me to contact them for help. HUH?? 

I was given 8 days to provide additional documentation. It sates in the letter that I should have my items back to them by the XXXX XXXX XXXX!! Today is the XXXX just got the letter in my mailbox today!!! When I attempted to phone them to discuss the matter there was no answer. The message said the office was closed and then proceeded to tell me the hours they were open. They state they are open until XXXX today I called at XXXX and they were closed! So, now I will not be able to speak to someone there until at least the XXXX of XXXX!!!! How am I supposed to gather the information by the XXXX when I didnt even get the letter until the XXXX? They also say I can make an appointment with my single point of contact, who they list as someone named, XXXX XXXX as that person. They only have one number listed for every single department!! Its the same XXXX number for everything! This company is predatory and is trying to take advantage of my situation! This is abhorrent and unacceptable. They also list items that I have sent them and the list is inaccurate and it states they are valid until an expiration date that doesnt exist. Why does this company pretend to be helping me??? They have been the worst to deal with and are not helpful at all.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 60   days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX Balance {$3900.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance {$2200.00} XXXX XX/XX/year>XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and a fraudulent account appears on my credit files. I have reported this account to all necessary authorities and XXXX and XXXX are still reporting fraudulent account on my file that were deemed fraud by the FTC and local authorities.
Product: Credit reporting or other personal consumer reports

Accord to the Consumer Financial Protection Bureau : A debt collector must use at least one of the following ways to contact you about your debt before it sends information about the debt to a credit reporting company : Speak with you in person Speak with you by telephone Mail you a letter and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered Send you an electronic communication and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered I was unaware of the {$110.00} charge from XXXX XXXX XXXX that was mistakenly charged to my Discover Card. I was not notified that this amount was past due by Discover Card. Discover Card did not call, text, or email me about this past due balance. I did not receive a letter. I paid the purchase amount, interest, and late fees as soon as I received a notification from XXXX and XXXX of the mishap. I would like these negative comments removed from my credit file immediately. 

Please take note of my email and phone number. This has been my contact information for at least the last 10 years. They did NOT contact me. 

Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an emailed showing that someone was approved account for a XXXX XXXX XXXX, that was processed online with my discuss security number and an address I had while I was a military spouse over 13 yrs ago. It was with my old last name as well
Product: Debt collection

Hi, My name is XXXX XXXX-XXXX. I have had 3 loans in my past from the Dept of Education. I had a subsidized, and an unsubsidized loan both of which were in my name. They were paid in full in XX/XX/XXXX and I havent heard or got any statements from the collection agency or the Dept of Ed to show proof of payment.Then, my mothers taxes were offset for her XX/XX/XXXX taxes. In effort to find out why, I called the agency which, at the time, was XXXX XXXX. They said the loan was in MY name and had MY birthdate but my MOTHERS social security number. To fix this, I sent my s.s. card and ID along with my mothers. Following, I hadnt heard back, or got a statement or anything so it was my poor choice to think it was out of default and I honestly didnt remember. I got pregnant towards the end of XX/XX/XXXX. So, my mother did her taxes the following year- which by the way, the collection agency wouldnt even speak to her because it was in my name- and her taxes were offset a second time. In fury, I called XXXX XXXX. They said the loan was taken care of and there were no further payments due and I would get a statement in the mail. Again, I received nothing. 

So, here we are, its time for my mom to do her XX/XX/XXXX taxes. Before she filed I called the US Dept. of Education just to be sure. They said to contact Immediate Credit Recovery Inc. because there IS still an open loan which is still under my name. I called them, they said this loan is now up to {$7000.00} and her taxes would be offset again. I was LIVID. I called and filed a complaint with the US Dept of Education and I called Immediate Credit Recovery again. They basically said they can not help me until I send my  information to them to fix the name on the loan. Im a single XXXX year old mother and theres something very unsettling about giving your social over and over to 3rd party agencies.

Then, I received a letter from the US Dept of Ed saying they agreed to settle this loan at the amount of {$5000.00} and no payments are due and the debt is considered paid in full. I couldnt have been happier! She filed her taxes, took that letter, and we thought everything was okay. Her taxes were now offset for the THIRD year in a row. I called the US Dept of Education and they said that letter was pertaining to a loan I paid in full in XX/XX/XXXX ( as mentioned earlier ). WHAT! 

My mother is a single mother as well and works her butt off. In no way is this fair or even legal for that matter and if I could afford a lawyer I would. But we cant catch a break and I desperately need help. Thank you very much for your time.