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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 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 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, credit repair services, or other personal consumer reports

XXXX XXXX Balance Owed : {$920.00} - This kind of account is noted as a charged off account. The account balance is truly inaccurate, be sure to remove the item fully. Please also offer documentation to make sure that all the charges and credits to this particular alleged account that caused the high credit number you have displayed on my report. My petition to give these records is seen as a standard information inquiry as per my privileges awarded through the fair credit billing act. If you're unable to deliver this data per my civil rights inquiry, you should automatically eliminate this specific erroneous entry. 

XXXX XXXX Balance Owed : {$0.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to zero or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly delete this wrong account. 

XXXX XXXX XXXX Balance Owed : {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, You are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$280.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX XXXX Balance Owed : {$420.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete immediately. 

XXXX XXXXXXXX Balance Owed : {$2300.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete immediately.
Product: Debt collection

I had a XXXX credit card from Continental Finance co. and because of hard times and illness could not pay it. They hired a company called XXXX XXXX XXXX XXXX. to harass me and my extended family members. They called my x-wife and grown daughter and told them they were looking for me with legal papers to serve. They have nothing to do with this. They also keep calling me with the same threat. They won't let up. I asked them to stop and send me some paperwork on this and they refused. Spoke to XXXX @ XXXX XXXX XXXX. They are clearly breaking the FDCPA law 15 u.s.c. 1692 against harassing the debtor. They call and say they standing outside my house ready to come in. This is crazy. Please help me with this situation.
Product: Debt collection

My name is XXXX XXXX my social XXXX a XXXX XXXX  name XXXX XXXX XXXX unlawfully did a credit check on my XXXX credit report and keeps calling me for a very old debt that's over XXXX XXXX XXXX the debt is not mine I have a common name also they keep calling me from private numbers and tool free numbers can you please tell them to stop harassing me for a old debt the stautue of limitations is old and also it doesn't belong to me
Product: Credit card or prepaid card

I reached out to American Express for a billing error dispute of the entire balance of {$2100.00} my letter was sent XX/XX/2023 XXXX and delivered XXXX XXXX. I sent out a " Billing Error Notice Affidavit Of Truth ''. Which will be attached to this complaint. My claim is that American Express failed to give me general disclosure which is a breach under " Code Of Federal Regulations " ( 12 CFR 1026.17 ). Im requesting the books and accounting related to my account because on my billing statement I am looking at a positive balance and if I caused American Express any deficit in the books i should see a negative balance on a TRUE BILL IN COMMERCE. American Express has responded but has failed to send me a true bill in commerce. Understand in according to a specific law ( 15 U.S.C. 1666d ), if there is an excess amount of money in your account ( a credit ) that is more than {$1.00}, the credit card company should give that extra money back to you. They should do this by sending you a check for the surplus amount. 

To ensure this happens, the law ( 15 U.S.C. 1666 ( b ) ( 2 ) ) requires the credit card company to provide evidence and documents ( books of account ) to clarify and resolve any billing errors related to this extra amount. This evidence will show how the credit card company arrived at the credited balance and why there is a surplus. 

In summary, the law mandates that if there's extra money in your account ( a credit ), the credit card company must send you a check for the surplus amount, and they need to provide evidence to explain and resolve any errors related to this credit.
Product: Mortgage

My property taxes have significantly lowered. I have a disbursement coming up this month that is set to go to the county any day now. They are set up to pay XXXX more than what is due and have blatantly ignored my requests for an escrow analysis. Now they will disburse the wrong amount and I am going to have to wait for the county to cut a refund check. I love in XXXX and with covid it is going to take forever. I have sent them my tax bill. Emailed twice. Called and was promised it would be done in 4 days ( weeks ago ) and nothing has been done. My mortgage payment is almost XXXX dollars too high due to the projection as well. I also know that if the payment change is in my favor that the 60 day waiting period does not apply. I want my money back and my payment lowered immediately. They have ignored me long enough. I work for a servicer so I am aware it can be done. I pray my mortgage is sold and I never have to work with this pathetic servicer again. Update my payment. Disburse the correct amount. Analyze my escrow account and make the payment change effective for the XXXX payment. I know the law and I know it can be done. We are in the middle of a pandemic and this company is holding MY money hostage. I also have XXXX XXXX and could use the extra money for medication. Shame on them. They clearly dont give a XXXX about the consumers.
Product: Debt collection

I was not living in Arizona during the dates reported. I have requested verification of debt and detailed bill, with my signature and insurance information and have not received any.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive spoke with the agent who left me a message regarding the updated info that was needed on my credit report, she stated only one credit reporting agency XXXX gave her the report back and that I needed togo unlock my report from the report XXXX and XXXX I immediately replied um I didnt know your guys was going to run my report- I thought you was collecting it just to ask later after everything else was approved - no where in your application stated that you need a score of XXXX to qualify in fact the marketing was quit misleading - the application has a very tiny 3 pt letter size or smaller that the agent pointed out that - I clearly did not see- I explained I was in a credit counseling program and would not have agreed to pulling my credit thats why they was only able to pull one - so they market that they dont do traditional loans they go bye documents to mislead that they arent going to SSN then in the middle of the entire form they ask for your SSN no where on that screen do they inform you that they are going to do a hard inquiry on your report - no one would give me corporate number I told them that I would complaint to the XXXX and to Consumer Finance If they didnt remove that info immediately non permissible usage 15 U.S. Code 1681b - Permissible purposes of consumer reports please have them remove it now.
Product: Checking or savings account

Navy federal would over draft my account on many occasions and they owe me money per the lawsuit stating that they have to reimburse their Clients.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is my response to your frivolous and deceptive response through CFPB portal. even though you have completely ignored my original letter stating you're in violation for reporting a account based of payment transactions for medical products or services under 15 USC 1681a ( 3 ), in your response you have committed multiple violations under the XXXX you have used a logo/symbol which indicates that you are in the debt collection business which is a violation of law under 15 USC XXXX ( 5 ) which is infringement of my right to privacy. you have also presented a false and misleading representation as you have only stated that the communication was from a debt collector but not the remaining part of 15 USC XXXX ( 11 ) which requires you to state that you are attempting to collect a debt and any information will be used for that purpose in each SUBSEQUENT communication. I am also aware on my consumer report you are reporting as my creditor in regard to this account but according to the definition of a creditor pursuant 15 USC XXXX ( 4 ) any person to the extent that receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another is NOT a creditor. making you in violation for furnishing a deceptive form under 15 USC XXXX. You are a third-party collection company and lawfully can not validate any of my debts therefore you are reporting a invalidated account on my consumer report & have not provided proper documents to validate this debt under 15 USC XXXX XXXX therefore you are not only using unfair and deceptive practices under the XXXX which i have proof of and am including in this complaint. you are also reporting a debt which is invalidated. I demand you delete this tradeline across all consumer reporting agencies immediately and no further action shall be taken on my end. failure to comply i intend to take action immediately to get justice due to the inequity you have caused me by your unfair collecting methods XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a follow up complaint regarding the unresolved attempts I have made to remove fraudulent items from my credit report. I have diligently followed the necessary procedures, including filing disputes and providing supporting documentation, on multiple occasions, yet these fraudulent entries continue to tarnish my credit history. To provide context, I first noticed the presence of fraudulent items on my credit report Since then, I have taken the following actions : I promptly contacted your agency and filed a dispute regarding the fraudulent items on. I provided all requested documentation, including a copy of the police report filed for the identity theft. I followed up on the status of my dispute, and I was informed that the investigation was underway. After receiving no resolution or update on my dispute, I filed a second dispute. I reiterated my concerns and provided any additional evidence requested. Kindly help me remove the following items immediately : 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: Money transfer, virtual currency, or money service

On multiple times I tried to transfer USD funds from my Kraken account to my bank account. For two weeks XXXX is claiming that it is possible while it is not. Furthermore today I tried to transfer ZEC funds to a different account. This was taking a long time so I cancelled the transaction. The funds from cancelled transaction were never returned to me.
Product: Mortgage

Re-opening Complaint XXXX, as it was closed without being resolved. 
Mortgage company won't release my unpaid funds This loan was paid off XX/XX/XXXX, and I still haven't received my escrow balance, as of XX/XX/XXXX. 
Amerihome Mortgage keeps saying the check is in the mail, and to just wait longer. No solutions, just wait longer. 
The check keeps getting 'lost in the mail ', as the company refuses to send the funds through a service with a tracking number, or to wire the funds. 
They have issued three checks that have not made it to my house. 
After filing my initial complaint, I was given a phone number to contact the respondent at Amerihome, but it was a voicemail that is never checked.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXXXXXX {$6800.00} XXXX  XXXX XXXX {$380.00} XXXX XXXX XXXXXXXX {$270.00} XXXX {$340.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Payday loan, title loan, or personal loan

I sent a Complaint on XX/XX/XXXX regarding Lendly XXXX XXXX XXXX XXXX XXXX Bank XXXX The information that is on my XXXX account is listed as XXXX. Also the balances does match XXXX nor XXXX. On XXXX they have the Last date of activity as XX/XX/XXXX and the last payment date listed as XX/XX/XXXX. On XXXX they have the last date of activity as XX/XX/XXXX and the last payment is XX/XX/XXXX. My apologies for including XXXX in the matter but they are not listed on that account. If this account was charged-off/ written off I would like to receive a XXXX form from this bank to my home address since that would mean that they had to report to the IRS. This installment loan was being paid bi-weekly direct deposit from my job, Therefore this gave me the understanding that it was an online payday loan. They will not allow clients to make monthly payments like regular installment loans. They make u add their banking account information ( checking account & the amount to pay ) to your Employer payroll so they can receive payment via direct deposit. On XX/XX/XXXX I refinanced a loan with a balance of {$1200.00} and was making bi-weekly payments of {$73.00}. On XX/XX/XXXX was the last {$73.00} payment with a balance of {$1100.00}. On XX/XX/XXXX they transfer out the account with a balance of {$2400.00} ( principal ). For some reason they were still receiving payments of {$3.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX they wrote off the account reference code XXXX. I received a letter stating that the balance was {$1400.00} as of XX/XX/XXXX. My original loan was at an annual percentage rate of 98.60 % and I was to make 25 bi-weekly payments for {$1000.00}. I have received XXXX letters from Debt collectors requesting me to pay and I informed them to validate it, since then I have stopped mailing me. They will not place this in comments on my credit report as a dispute because I did not go through the credit bureau to get them to correct their records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing these items on my report that I don't recognize, I don't have any dealings with them so this time I'm seeking help from the FTC to get these things removed from my credit report. This is now being investigated by the FTC so I hope the credit bureau would also cooperate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently got a copy of a credit report because I was wanting to purchase my first home. Upon checking my credit report I saw several unusual accounts and addresses that were not mine. I contacted the companies and also the credit bureaus with no success. I am listing the fradulent accounts as well as dates and addresses that arent not mine below. 

Company : XXXX XXXX Account # XXXX* DatesXXXX Amount : {$30000.00} Company : US DEPT ED Dates:XXXX XXXX : {$990.00} Company : US DEPT ED Dates:XXXX Amount : {$1000.00} Company : US DEPT ED Dates:XXXX Amount : {$1300.00} Company : USDOE/XXXX XXXX Amount : {$3200.00} Company : XXXX XXXX Dates:XX/XX/XXXX Amount : {$3500.00} Company:06 XXXX XXXX XXXX Dates:XX/XX/XXXX Amount : {$210.00} Company:6 XXXX XXXX XXXX XXXX Dates:03/10/2020 Amount : {$56.00} Company : US DEPT ED Dates:XXXX Amount : {$1100.00} Company : USDOE/XXXX Dates:XXXX Amount : {$3400.00} Company : US DEPT ED Dates:XXXX Amount : {$3100.00} Company : US DEPT ED Dates:XXXX Amount : {$1800.00} I am also disputing the credit inquiries that are credit report. I am listing the accounts dates. 

Company : XXXX Date of InquiryXXXX Company : XXXX Date of Inquiry:XXXX Company : US SM BUS ADMIN ODA Date of Inquiry:XXXX Company : XXXX  Date of Inquiry:XX/XX/XXXX Company : XXXX XXXX  Date of Inquiry:XX/XX/XXXX Company : XXXX XXXX Date of Inquiry:XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date of Inquiry:XX/XX/XXXX Company : XXXX XXXX XXXX Date of Inquiry:XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Receiving constant " alerts/updates '' from XXXX & Experian which seem suspicious in that they request personal info. to continue. All are subject : " This Is Sensational! Your XXXX XX/XX/2022 Scores just hit an all-time high ''. Example follows : This Is Sensational! Your New XX/XX/2022 Scores just hit an all-time high XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wed, XX/XX/XXXX at XXXXXXXX XXXX Great Scores Get Your XX/XX/2022 Scores Right Here When Last Have You Checked Your Scores? 

To see your XX/XX/2022 from Experian, XXXX and XXXX Reports in one easy to read report go Right Here Great Scores Press Here To See Your Scores Now Checking your credit will NOT harm your credit scores! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Fl XXXX Unsubscribe me from this mailing list Contact Info : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, TX XXXX This is an email advertisement. To unsubscribe from our sponsor : click here. 

XXXX XXXX + Add to contacts XXXX
Product: Credit reporting or other personal consumer reports

REINVESTIGATION REQUEST NOTICE XX/XX/2024. 
XXXX XXXX XXXX HAS COMMITTED IDENTITY FRAUD AS A HIPPA VIOLATION BY ILLEGALLY AND FRAUDULENTLY ACCESSED MY PERSONAL INFORMATION FROM XXXX XXXX ( ACCOUNT XXXX ) AND SHARED IT WITH SEVERAL 3RD PARTY ENTITIES INCLUDING EQUIFAX, XXXX, AND XXXX. 
NATIONWIDE RECOVERY SERVICE HAS VIOLATED MY RIGHTS BY COMMITTING IDENTITY FRAUD!!! ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. 15usc 6801 Protection of Non- Public Information. 15usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received. 1. XXXX XXXX making me aware that they will disclose my information to a non-affiliated 3rd party. 2. XXXX giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party. 3. The XXXX XXXX giving me an explanation how to exercise the non-disclosure options. 15 usc 6802 Disclosure of Institution Practice Policy
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern Hello and I hope this find you well. This is a notice that a XXXX XXXX  on my credit report needs to be removed because as of XX/XX/year> a law was passed that Medical debt could not longer be reported on a consumer report. The account is listed under the name of Unknown with XXXX and XXXX or XXXX with XXXX. It has been deleted with XXXX as per the XXXX XXXX ruling. 
The medical loan was necessary after a XXXX diagnosis and a personal forced debt bondage situation that will be addressed later. If you wish to receive medical records as proof, please contact me on my home phone XXXX 
Thank you kindly XXXX XXXX