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

I am contacting you regarding a 30 day derogatory marks that appear on my three credit bureaus reported by XXXX/XXXX XXXX XXXX XX/XX/2020. I dispute these and drequest a full expulsion of this 30 late imprint dependent on the instituted Section 4021 of the Coronavirus Aid, Relief, and Economic Security Act ( the CARES Act ) which bars ( and makes illicit ) a particularly injurious imprint, subject to its terms. The reason for this letter is to ask that the slanderous imprint promptly be accounted for as current to the three significant credit detailing organizations, XXXX, XXXX  and Equifax, so this matter be settled genially and with no court intercession. Prior to the missed payment, I attempted to contact XXXX regarding my charge card payments, but ineffectively because of hold times a few hours in length. My income has been temporarily adversely affected by the COVID-19 outbreak, I have encountered serious monetary and a wellbeing difficulty because of the financial halt that our nation is going through. Recently, and in response to the COVID-19 outbreak, the CARES Act was signed into law by the President of the United States on Friday XXXX XXXX. The CARES Act modifies the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( the FCRA ) by precluding furnishers of credit information ( which specifically includes all major banks ) from reporting any deferred payments, forbearances, or other missed payments during the covered period
Product: Credit reporting, credit repair services, or other personal consumer reports

A consumer/victim statement was made on my identity and it was made in error I would like to have it taken off my credit report because I can't get a loan access my accounts or fix any account ts until its is removed an its thru trans Union I was told that they needed to ask me some questions but wasn't able to access those questions I called them for 4 hours tried  submitting documents online to no avail the information is XXXX XXXX XXXX XXXX XXXX XXXX, Ms XXXX the last digits of my social is XXXX The reference number is - XXXX And its addressed to ATTN : CONSUMER DEPARTMENT
Product: Credit card or prepaid card

I have been a cardholder with Genesis FS Card Services ( Milestone ), as well as Destiny Card ( which I closed the account ) for over a year. I've called several times over the year, including my latest date XX/XX/XXXX to apply for Credit Protection ( a service they offer ) and I keep getting different responses as to why I can't apply. The latest is that I would have had to apply for this service on my initial credit card application, and that you can't take out this service afterwards. I asked XXXX ( ID # XXXX ) could she send this to me in writing, since it's their policy, because I keep getting different answers. She then put me on hold & asked her Supervisor ( XXXX ) ( who would not give his ID # ), and the response back to me was No, I can't get anything in writing supporting that policy. I also asked about a hardship program over the years and NEVER. They always say they have no hardship programs available at the time. I've been out of work for ( 2 ) years with health issues & had XXXX XXXX last XX/XX/XXXX, with a 2nd upcoming XXXX and this company offers no hardships & no way for me to protect myself as a Consumer with a service they have/offer, but state that it is only offered on the credit card application, ( in which I did not see ). I've never heard that a company has a service available to its consumers that you can only apply upon opening an account. This is why i paid off & closed the Destiny Card account & I'm trying to pay off this account so that i can close this one too, because this company is NOT in business to help their consumers in ANY way ... ... PLEASE HELP!
Product: Vehicle loan or lease

this is my car. please remove thnis off my account thank you AMERICAN CREDIT ACCEPT 5 POTENTIALLY NEGATIVE MONTHS Balance details 52 % paid off Balance {$13000.00} Balance updated XX/XX/XXXX Original balance {$27000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan Payment summary XXXX XXXX XXXX CO - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX CO PAYMENT HISTORY LEGEND Status Account charged off. {$27000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$13000.00} Original balance {$27000.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 73 Months Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX, SC XXXX Phone number ( XXXX ) XXXX
Product: Mortgage

On XX/XX/XXXX, I mailed my XX/XX/XXXX mortgage payment of {$1200.00} to Chase by certified mail. Chase signed for the payment on XX/XX/XXXX. Chase applied the mortgage payment as a {$1200.00} principal reduction payment. On XX/XX/XXXX, Chase reversed the {$1200.00} principal reduction payment and reapplied our XX/XX/XXXX mortgage payment as a principal reduction payment of {$1200.00}. I have contacted Chase daily to fix our XX/XX/XXXX mortgage payment. As of XX/XX/XXXX, Chase has not fixed our XX/XX/XXXX mortgage payment. Chase has not sent us our XX/XX/XXXX or XX/XX/XXXX mortgage statement even though I have repeatedly contacted them for our mortgage statements.
Product: Debt collection

I did not consent to authorize nor benefit from the listed account ( XXXX ). Block and Remove.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I transferred money to someone who performed services for me in the amount of {$320.00}. I used the XXXX option in the USAA mobile banking app. This individual informed me the money posted to her account but then showed as returned. I saw the money back in my account on XX/XX/XXXX. I went ahead and made the transfer again, as I owed payment for childcare services provided by this person and they needed to be paid. XX/XX/XXXX the payment went to her through XXXX via my USAA. She told me again the money deposited and then showed as returned. However, I never saw the money come to my account again. I called USAA and they said if it was returned it could take 3-5 days to post, so I paid this person via XXXX, clearly XXXX was not working properly. I have called USAA five times in total. The first three times, I was reassured they would resolve the issue, and I was even told a temporary credit would post. They told me to check back the following week. I never saw the credit come through, so I called back. They told me something different this time, that a temporary credit is not something they would provide. They filed a claim to find the money. I called back a week later ( Friday XX/XX/XXXX ) and was told they finalized the claim and all they could see is that the money left my account and posted into hers with XXXX I was told there was nothing more that USAA could do, that my money issue was not their issue and that I needed to call XXXX. Needless to say, XXXX refused to speak to me as I am not their customer. The individual with XXXX has called them three times. She has been told the money was returned to me, that I needed to contact USAA. Today, she was told it's a problem with XXXX. We both called XXXX, they would not speak to us. I was told by the rep at XXXX that they can't help me because USAA uses their own version of XXXX, they could only help me if I used their app. They then transferred me back to USAA for a sixth time where I was placed on a 30 minute wait. They are not offering any solution, nor is XXXX There is no recourse or consumer protection for a transaction that is initiated through XXXX but failed and lost. XXXX XXXX  XXXX will not help. USAA will not help. I have called five times, with my last call I filed a complaint and the process took almost 3 hours. I am being told by three companies ( USAA, XXXX, XXXX ) that they are not accountable for the issue and there is nothing more they can do to help me. Yet, I have {$320.00} that is lost with no sense of how to get this money back. This money was used for childcare services, which as one might imagine, is very expensive and difficult to find during a global pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been two consecutive months of disputing these unauthorized accounts and requesting the Method Of Verification used in the process of your investigation. If this problem continues imma have to file suit with the 2 of the 3 major credit agencies. The FCRA is enforced by FTC inwhich grant certain rights to protect consumers against the credit agencies distributing false or harmful credit information about individuals. I'm requesting your Method used in this investigation and if this request is breached then the reporting agencies should be held accountable. I'm requesting that Equifax and XXXX credit reporting agencies provide me with physical documentation of investigating these accounts. ( 1 ) XXXX XXXX XXXX {$1.00}, ( 2 ) XXXX XXXX  XXXX {$920.00} ( 3 ) XXXX XXXX {$0.00}, ( 4 ) XXXX XXXX. My request is for the names and method of communication inwhich was held in this investigation. Inwhom did your representative speak with, how, by phone, email, fax, etc. What specific date, day, and time. And if this is not met in a just and prompt manner then these accounts shall be blocked immediately in accordance with the FCRA.
Product: Credit reporting or other personal consumer reports

I have made several attempts to dispute the presence of these accounts on my credit report, as they do not pertain to me. Despite my efforts, these disputed accounts continue to be reflected in my credit history. Additionally, I have filed multiple FTC reports concerning these erroneous accounts.

These companies have declined to address these disputes, even though they are legally obligated to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I will not allow these inaccuracies to go unchallenged. 

Despite my diligence in maintaining responsible financial habits, these errors are creating unnecessary setbacks for me. The Fair Credit Reporting Act ( FCRA ) is clearany outdated, incorrect, or unverifiable information must be corrected or removed immediately. I expect swift action to resolve this issue, as any further delay will only worsen the damage caused. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have made several request to all 3 credit bureau reporting agencies to remove previous addresses, employmer information, and my maiden name as public record on my credit report.

None of this information is ever removed. And because of this, the increased amount of scammer attempting to collect a debt or threatening to sending a processor to my job continues.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Open Account : XXXX  XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes regarding fraudulent information on my credit report and they refuse to remove it. The credit companys say we use a third party and receive information from them but never send me anything so I can address the third party. These accounts are not mine and I have requested several times for them to be removed and they take two days and always say the information comes back verified and I know its a lie because the accounts are not mine! 
Account XXXXXXXX XXXX XXXXXXXX is not mine XXXX XXXX XXXX
Product: Vehicle loan or lease

I am currently in a loan which the interest rate is over 20 % my monthly payment is {$420.00} per month, I fell behind during covid and they are charging currently monthly late fee 's for the pass 2 years. This is wrong what they are doing and i hope this complaint will resolve my case and give me my title to my car.
Product: Credit reporting or other personal consumer reports

I am writing in response to your recent communication indicating that the disputed account has been " verified. '' Upon reviewing the updated report, I have found significant errors that remain uncorrected, particularly in the " Date of Last Activity, '' " Date Reported, '' " Date Opened, '' and " Account Status '' fields. 

These inaccuracies suggest that the verification process was not conducted thoroughly, and I request that you reinvestigate these discrepancies. If you can not provide accurate and verifiable information, I demand that this account be corrected or removed from my credit report. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

These lenders have accessed your credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have previously spoken to this company and tried to take legal actions for this account but lawyer mentioned it has been more than 2 years and can't take action in this matter. This company is charging me for ambulance services for my son when we were active with the governmental insurance and i have proof of this active insurance. I never received a letter from the Fire Department or any other medical departments explaining to send any proof of insurance or any proof that I am getting charged for the service provided. When my son got discharged from the hospital i signed document of giving proof of insurance and got notified from the assistant at urgent care that everything is covered and will not get charged for any service due to XXXX insurance covering every service provided to my son this day.
Product: Mortgage

On XXXX XXXX, 2015, Citizens Bank accepted documents from their customer for a loan refinance. Those documents were stolen from me by their customer and submitted to Citizens Bank without my knowledge or permission. On XXXX XXXX, 2015 I became aware of the theft and contacted Citizens Bank informing them they were not to be used in any type of financial transaction and that they were to be returned. 

Over the next five days I spoke with, emailed and left messages with XXXX XXXX, XXXX XXXX, Customer Service ( both general number and emergency rapid response ) informing them the documents were stolen and not to be used. 

Despite knowing the documents were stolen and not to be used, one week later Citizens Bank submitted them to XXXX XXXX for funding a loan. 
Citizens Bank has been asked the same question repeatedly and they have ignorantly responded over XXXX times ignoring the question. First, I did n't call you before they were stolen to speak with you because I did n't know they were going to be stolen. However, I did call within 24 hours after they were stolen to inform you they were stolen. So do n't respond by saying " you had no correspondence before you received the documents ''. It is not reasonable that I would call you before I knew the documents were going to be stolen. 

YOU KNEW THEY WERE STOLEN WHEN YOU SUBMITTED THEM TO XXXX XXXX. I do n't care what you knew when you received them from your customer. When you submitted them to XXXX XXXX you were committing Identity Theft. Give them back to me. You sound stupid when you write " I am a third party. '' They only have my name on them, if I am a 'third party ' why do you have them? You are in possession of stolen documents. Give them back to me. 
The loan you submitted to XXXX XXXX for funding is based on stolen information and according to the XXXX XXXX document contained on their website : Fraud Mitigation Best Practices Single-Family XXXX XXXX FraudIdentity fraud involves someone wrongfully obtaining and using another person 's personal data, typically for economic gain. 
The documents are mine, they only have my name, they were wrongfully obtained and both Citizens Bank and the borrower gained financially. Citizens Bank added a refinance loan to their portfolio and the borrower benefitted from a lower interest rate. 
Terminate the loan Citizens Bank submitted because Citizens Bank knew they submitted stolen documents.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/year> ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

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