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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$1500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX, XXXX. with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1500.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, Texas XXXX Email : XXXX Phone : XXXX Equifax Consumer Services XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I was reviewing my credit report and found several addresses that appear to be incorrect. I have attached documentation providing proof of my current address, as indicated on your website. 

To facilitate the removal process, here is a list of incorrect addresses I currently see in my report ( which I would like to be removed ) : [ XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, Texas ] [ XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas ] There should only be one address in my report, which is : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, Texas XXXX. 

I also noticed that my name appears to be misspelled on my credit report. My name has only one correct spelling and there should be no variations listed because my name does not have any variations. I have attached my photo ID to show the correct spelling. 

Once again, to facilitate the removal process, here are the incorrect spellings I see in the list : [ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX ] Additionally, I request the removal of the incorrect employers listed below : [ XXXX XXXX ] [ XXXX ] The only job I need listed is : [ XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ] Therefore, I kindly request that you delete this negative account as I am facing difficulties in ensuring my report is clean in the best possible way in order to continue with my legal process. 

Once the incorrect names, addresses, and employers have been removed from my credit report, please send me a copy of my updated credit report. 

Thank you for your attention and assistance in resolving this matter promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : Photo ID Proof of current address
Product: Credit card or prepaid card

Capital One stopped sending paper statements without the ability to opt out and I've been late the last 2 months with late fees because I didn't see an email statement.
Product: Bank account or service

I opened a Citibank account package on XXXX/XXXX/16 and deposited {$15000.00} with a promotion to receive {$400.00} if the {$15000.00} remained in the account for 30 days. I met and exceeded the requirements of the promotion and after 120days have still not received the bonus. I 've contacted Citibank and provided the promo code ( XXXX ) I signed up with but I am getting no response in resolving this matter.
Product: Mortgage

XXXX XXXX XXXX., had my mortgage servicing from XXXX XXXX XXXX. , in XX/XX/XXXX. As per the original amortization schedule my PMI comes under 78 % which qualifies for Automatic Termination of PMI, the date is XX/XX/XXXX. I reached this 78 % on XX/XX/XXXX. My loan was modified under HAMP in XX/XX/XXXX. I did not miss any payment. On XX/XX/XXXX, XXXX XXXX XXXX., now XXXX XXXX. , has removed XXXX dollars from the XXXX  dollars PMI and still collecting even after XX/XX/XXXXwhere my LTV was 71 %. Now I am at 66 % LTV. XXXX XXXX XXXX., now XXXX XXXX , is still collecting PMI of XXXX dollars every month.

I wrote to XXXX XXXX XXXX XXXX to stop collecting PMI to my account No. XXXX.

I want the mortgage company namely XXXX XXXX XXXX., now XXXX XXXX. , and XXXX XXXX XXXX XXXX  to stop collecting XXXX dollars every month and refund and credit towards my unpaid principal balance the excess they have collected as per Law.
Product: Mortgage

I pay my mortgage via autopay every month on the XXXX. XXXX XXXX XXXX showed that it was paid on XXXX/XXXX/15. Caliber did not credit my account until XXXX/XXXX/15. Late charge is accessed in addition to continual harassment of calls and letters demanding payment they already got.
Product: Credit reporting, credit repair services, or other personal consumer reports

I write you to address cascading events sprung by serial errors of XXXX Bank of XXXX MA. It started last fall with XXXX mailing my bank statements to a defunct out of state business address in error. These statements indicated three returned checks with associated overdraft fees. XXXX mailed a letter to me received on XXXX XX/XX/2022 stating that I owed XXXX  {$230.00}. 

This if the first time I knew there was a problem since all my statements were being sent elsewhere without my knowledge or consent. I called the number on the letter, and I asked for and got a list of the six charges totaling {$200.00}. I agreed to pay the full amount of {$230.00} immediately. The XXXX Rep said if paid that same day there would be no further action. 

I immediately went to the XXXX ( local ) branch, met with Bank Manager XXXX XXXX XXXX, explained the situation, and I paid the full balance. She assured me that the matter was at that moment ; settled. XXXX XXXX revealed the statements were going to a NH address and thats why I had no notice. Further, she said she would bump my complaint up to top management for corrective action. As of now, I have heard nothing. 

Yesterday, I received a demand letter for {$230.00} from a debt collection company, Transworld Systems Inc, TSI ( attached ). Now, my credit score has been damaged by false reporting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX 
Dispute Department XXXX XXXX XXXX, XXXX, PA XXXX Re : Formal Dispute of Inaccurate Credit Reporting under FCRA and XXXX XXXX To Whom It May Concern, I am writing to formally dispute the inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FRCA ) 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX investigations. Specifically in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer proception laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that XXXX : XXXX. Conduct a thorough reinvestigation of the following disputed accounts or items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ( XXXX ) for {$200.00}. XXXX XXXX XXXX balance of {$7000.00} C/o XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX ) XXXX XXXX. Provide me with all documentation used to verify the accuracy of the disputed information. 
XXXX. Correct or delet any information that can not be verified or is inaccurate as mandated by law. 
Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and purse any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

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

I have been having issues trying to get my last name changed with a credit bureau since I got married back on XX/XX/2024. I changed my last name within two days with the Social Security Administration. I was able to change my last name with both XXXX and XXXX online and everything was resolved. I have been having issues with TransUnion as they say they can not do disputes for last name changes online. I would have to send sensitive documents through the mail. I do not feel comfortable sending a copy of my social security card through the mail. Trying to actually talk to anyone about these issues is atrocious as it seems as though TransUnion is run purely by robots. Tried to talk to someone over the phone and when I finally got through, they hung up on me and never tried to reach back out to me. Their chat line is purely AI or robots or whatever so they keep repeating the same script over and over. I can not view my credit report on their site as anytime after I log in, they say there are errors retrieving my information including my dispute results. I can not be verified properly with XXXX XXXX for online account access with my credit card because TransUnion will not update my information properly. Credit bureaus are unnecessary as they have all our personal sensitive information and then they are careless with it all. I have such a headache trying to deal with all of this when my own mother never had to when she got married. They didn't have credit bureaus back then. Must have been nice.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts and inquiries were open fraudulently and do not belong to me and need to be deleted asap under the law. 

XXXX XXXX XXXX  Account Number XXXX Condition Open Responsibility Individual Current Balance {$22000.00} Original Balance {$25000.00} Limit $ 0 Monthly Payment {$530.00} Inquiries : TransUnion XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 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 checked my credit report I noticed an unauthorized inquiry on my credit profile and I believe that is information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account showing with XXXX XXXX XXXX XXXX XXXX which listed a balance of XXXX that I settled out. I have attached proof I DO NOT OWE and have disputed this. It 's still listed that I owe and do NOT
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of 2017 during Hurricane Harvey we spoke with our mortgage company NationStar/Mr. Cooper and they agreed to let us work on a payment plan due to the devastation of the hurricane. They agreed to report the payments as being on time yet when I received a copy of my credit report the months they agreed to report as current are showing delinquency. I tried to dispute it with the bureaus thinking the problem was they were not communicating with the company but they indicated they did. I was told buy NationStar/Mr. Cooper it shouldn't be reporting late. I don't know what else to do can you please help me get this resolved?
Product: Credit reporting, credit repair services, or other personal consumer reports

I get a notice from experian yesterday saying ther is a new address on my account which is a lie, I have lived at this address and this is the address they have had but its all retaliation
Product: Credit card or prepaid card

I closed this credit card account in XX/XX/2019 due to fraud on my card. They sent me a new card, with a new number, and I immediately closed that card too - I did not want to stay with them anymore. I had to fight with them several times, staying on the phone more than a 1/2 hour each time to get the charges removed and the foreign transaction fees removed. It took several calls before they told me that it was finally cleared all the way and the card was closed. I look online at my statement and it says I have a XXXX   balance and XXXX due. But, on XX/XX/2019, I receive a credit card statement saying I had a previous balance of XXXX ( all fraud charges and foreign transaction fees that they told me were removed and I had a XXXX balance ) - on this statement they are charging me interest of {$2.00} and a late fee of {$27.00} - bringing my balance due on this statement to {$160.00}! This was all taken care of and XXXX out a while ago. I called them about this because I don't want this late payment on my credit report and they told me that it is still being investigated - a different story than a month or more ago - I was told it was done and no more will or can be charged. While on the phone - for 35 minutes - they told me this was sent to me for informational purposes - which is false - I do not owe anything on this and they are using my old card number, the one with the fraud charges. I believe they are trying to get me to pay them and they know for sure this was fraud, it was reported right away and closed. Not only did this card get hacked, but it is a XXXX XXXX card and was only used at one of there XXXX hotels in XXXX XXXX, we did not use that card for anything else. They have not closed this account, they are using the old card number that had the fraud. They transferred all this info to the new card and cleared it out, but never took it off the old card and now are trying to charge me for interest and late fees.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with this nightmare for 7 years now. Macys and it's credit lenders are corporate bullies who pray on individuals. My Macys Credit Account was closed in XX/XX/XXXX. I was harassed and consistently bombarded by both Macys and a collection agency. I continued making payments on a closed account in good faith and I slowly noticed that Macys changed the information displayed on my credit report. In XX/XX/XXXX I realized they reported that my account was opened again even though it was indeed closed and I was not able to use my card again. It was clearly a relation move given the fact that I have made prior complaints to the CFPB and consumer agencies. At the end of XXXX, I called one of the many financials offices of Macys credit cards and offered to pay the {$500.00} in late fees that were accessed throughout time even thought I had already paid off my original balance. The associate on the phone said not to pay it because my balance is scheduled to drop off my credit report in XXXX. However today, XX/XX/XXXX, after calling 5 different departments, I learned that the company indeed reported that my account became delinquent in XX/XX/XXXX ( and not closed in XXXX ) and that it won't drop off of my report until XXXX!! When I asked what happened to my prior closure from XXXX, THEY SAID THAT THEIR SYSTEMS CAN NOT ACCESS DATA FROM XXXX! This is fraud and fraudulent activity in addition to targeted bullying. **Backstory on delinquency.. I changed jobs in XXXX and delayed on 2 months of pay on my Macys Card and they had no REMORSE. They immediately closed my account. I have an 100 % payment record on my credit report and prior to XXXX I ALWAYS paid my Macys account on-time. They are corporate bullies.
Product: Credit reporting, credit repair services, or other personal consumer reports

My medical debt from XXXX came off my credit report in XXXX. The company Commonwealth Financial Systems bought that debt and put it back on my credit report noting it as debt from XXXX. This information is false.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Reached out to the creditor to have the fraudulent inquiries removed I have never inquired there services, and never authorized anyone to use any of my personal information to obtain any line of credit and they notified me that the information was sent over to the credit bureaus to be removed and its been well over 60 days and I have yet to receive and update for removal from my credit report.
Product: Student loan

This is a follow-up complaint from the initial complaint I filed on XX/XX/XXXX # XXXX. Please refer to this initial complaint for additional history on my account. This follow-up is warranted because the correction made to my account in XX/XX/XXXX still does not comply with the CARES Act for student loan income driven repayment income recertification. My account was updated in XX/XX/XXXX following my initial complaint with an IDR Recertification date adjustment from XX/XX/XXXX to XX/XX/XXXX. Due to the CARES Act, and according to information provided by the U.S. Department of Education on the fsa.gov website, income recertification for income-based repayment is not required and can not be required by loan servicers any date before 6 months after the end of the student loan payment pause. The earliest recertification for any direct federal loans based on this information would be on or after XX/XX/XXXX. Since my initial IBR income recertification date was scheduled for XX/XX/XXXX, this date should have been pushed by 12 months automatically and then based on the current scheduled end of the student loan pause, by another 12 months to reflect a date of XX/XX/XXXX. This would entail the same monthly payment requirement as was determined by my IDR application in the amount of {$170.00} starting with payments on XX/XX/XXXX to be certified through XX/XX/XXXX. I have called MOHELA customer service an additional two times to get the IDR income recertification date updated to be in compliance with the CARES Act twice since the last correction was made to my account with calls on XX/XX/XXXX and XX/XX/XXXX. The first call on XX/XX/XXXX, the customer service representative assured me that my account would be corrected and an additional call would not be warranted. Without any change occurring on my account in the subsequent 30 days, and the date in question coming up rapidly, I called again on XX/XX/XXXX to check the status and notify MOHELA that I would pursue an additional consumer protection complaint if the issue was not fixed within 30 days. I am requesting that MOHELA adjust my income driven repayment plan income recertification date to be in compliance with the CARES Act and therefore, the date currently reflected on my account of XX/XX/XXXX be updated to XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

I have been laid off due to the COVID 19 epidemic. I have contacted Advance Financial 247 multiple times to make payment arrangements. The only response I get is pushing back the payment. Meanwhile the extremely high interest accrues and has become unmanageable. I have paid XXXX in total according to their own records. My online bank records only go back to XXXX. I am struggling financially and I am still filing for unemployment, although that has yet to be resolved. 

I have contacted payday loan assistance companies and I have been told that this particular company will not negotiate with anyone. That is why I am filing this. Advance 247 will not negotiate and no one else has an answer. 

I am honestly trying to pay what I owe, but I am struggling greatly. 

Any assistance would be appreciated. 

Sincerely XXXX XXXX XXXX XXXX ( cell )
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against transunion, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectity a violation regarding the reinsertion of previously deleted material into my credit report. I sent a letter to transunion notifying them of the reinsertion of the XXXX XXXX  account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). waiting for 35 days atter sending the letter, transunion has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. Transunion actions have caused signiticant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with transunion they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report this morning, I was shocked and frustrated to find an unauthorized inquiry that I did not recognize. I check my report frequently, and this unexpected issue has caused me significant distress. I refreshed my browser, hoping it would disappear, but it remained. I demand an immediate resolution to this matter. Please go over the documents I sent carefully to ensure this never happens again.
Product: Payday loan, title loan, personal loan, or advance loan

My credit report states that I applied for a secured loan on XX/XX/year>, with a remaining balance of {$250.00}. I have no recollection of applying for a secured loan ; nor have I ever heard of " Consolidation Capital '' as a company/bank. I can not seem to get ahold of a representative to inquire about this negative item on my credit report ; even after calling several times during normal business hours.
Product: Payday loan, title loan, or personal loan

Yesterday I received an email stating to check on my account with Avant. I was from XXXX and XXXX. 

Ive never done business with this company and it looks like their phishing to gather information from a ton of people. Hundreds of not thousands of people online reported the same email yesterday as well. Their customer service hung up on us twice and we waited about an hour each time. I think there might have been a data breach somewhere. Can you please look into this?