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

I am writing to formally dispute the information regarding the account XXXX XXXX XXXXXXXX on my credit report, which I believe is inaccurate. This account is currently listed as charged off, but the reporting contains discrepancies that require immediate attention and correction. 

The original issue arose when I purchased a TV that stopped working, and upon receiving a replacement, it was stolen in transit. I filed a police report and reported the incident to the company, but no resolution was provided. 

Despite these circumstances, the account has been reported as a charge-off with continuous inaccuracies in its reporting details. I request that you : Conduct a thorough reinvestigation of the information related to this account in accordance with the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681i.

Provide me with the procedure used to verify this account as per my rights under the FCRA, including the names and contact information of those you contacted for verification.

Remove or correct the inaccurate information if the investigation can not substantiate the current reporting.

This ongoing inaccurate reporting has significantly impacted my credit score and financial opportunities. I expect your prompt response and resolution of this matter, including an updated credit report reflecting the corrections. 

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

According to FCRA 605B, we must eliminate any erroneous accounts from my credit report. Could you kindly review the documents? Several of the mentioned accounts are incorrect, causing me discomfort.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Account passed on that should be taken out. 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. XXXX, XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$650.00}
Product: Mortgage

I am not sure if this rises to the status of a " complaint '' or not, but after I purchased my current home with a conventional mortgage from my local credit union ( XXXX XXXX XXXX XXXX in XXXX, XXXX ) in XX/XX/2012, my loan was then sold three times in the first year until it reached XXXX XXXX in XXXX XXXX . It has been there ever since. But when I tried to make payments every two weeks in order to reduce my total interest payments and shorten the duration of the mortgage ( a common financial strategy ), Regions would not credit any additional payments after the first one was made. Instead, Regions just " holds '' the money paid in any second payment that month in what it calls a " suspense account '' that only credits the money to my account when my next monthly payment is due. In essence, they prevent their customers from making more than one payment per month unless the second payment is at least as large as the total monthly payment. When I phoned their customer service department, I was told that this is their policy for all mortgages and there is nothing I can do about it. 

I realize this might be legal for them to do, EXCEPT that the terms of my original loan with XXXX did not contain any such limitation. My understanding is that loans can be sold as long as the original terms of the mortgage are still upheld ( interest rate, monthly payment amount, etc. ). So if my original mortgage holder allowed more than one payment per month and immediately credited my payments, shouldn't the same be true of any subsequent mortgage company that my loan is sold to? Thank you.
Product: Checking or savings account

Hello, Early last XXXX possibly XXXX XXXX I contacted Bank of America to file a check fraud claim regarding a cashiers check that was stolen. I was told approximately 15 days or so after constantly calling checking on the status that it was submitted incorrectly by the customer service representative and needed to be corrected. That was done and the new claim # is XXXX and paperwork soon followed and I was then told by Bank of America that they received the paperwork and that a request had been sent to XXXX XXXX to recover my funds from them to be sent back to BOA to return the funds to my checking account. Again I continued to call over the past couple of weeks and had constantly been being told its a waiting game and the request had been sent and we have to just wait. I was given a telephone number to call XXXX XXXX by a customer service rep at BOA and that telephone number is XXXX. I did in fact call this number and reached a young lady that told me she would do what she can to assist me, but that I was not a " XXXX XXXX '' customer and that she was limited in what information she could release to me. She then came back and told me I needed to contact BOA again because their department should be able to get answers as that department is a go between and they are able to handle this sort of situation. Of course by this time I am frustrated, so I filed a complaint with you all the Consumer Financial Protection Bureau, complaint # XXXX and the complaint was sent to XXXX and XXXX send me a letter XXXX/XXXX/XXXX stating that they have no such request from Bank of America and referred me back to them. The letter is attached. I am being told by BOA that the request is sent and I am being told by XXXX no such request has been received. Please HELP ME!!!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXX XXXX  I received {$100.00} cash app took {$2.00} in fees this payment was from An acquaintance. 

On XX/XX/XXXX I received a payment in the amount of {$60.00} from an acquaintance cash app took a fee of {$1.00} cents On XX/XX/XXXX XXXX XXXX I received a payment of {$150.00} from my girlfriend cash app took a fee of {$4.00}. 

On XX/XX/XXXX I noticed that they were taking fees and didn't understand why so I messaged them they did reimburse the XXXX XXXX XXXX XXXX XXXX  that they stole from me and informed me that for some reason I had been switched to a business account which I had never signed up for nor did they have any documentation proving that I was a business so I think they fraudulently set up accounts as businesses to take these fees and hopes that people won't notice. I informed them that this was never a business account and had many transactions dating back multiple years showing that these had never been charged before and that I would like those fees returned since I don't have a business nor did I ever. the gentleman told me that he didn't care that there was nothing they were going to do about it and that I was lucky that they did me the courtesy of returning the {$1.00} from yesterday. It's never a courtesy when you fraudulently take something. Per app disclosures, this is a free transfer site between persons. 

I was then told that there were going to be tax implications and that I would be receiving a form that I have to file with my taxes I guess I will have to go through a lawyer regarding that part of the situation because all of that is fraudulent to set up a business account and charge someone and then put tax implications on top of it even if it was {$0.00} or {$500.00} what they are doing is not okay and I am sure I am not the only one they are doing this too, this is very concerning to the general public and they should be aware of these fraudulent activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out because transunion has allowed for this account by the name of XXXX XXXX XXXX XXXX to be added onto my credit once again without my written consent after it was removed because it was not my debt. The fact that this was just deliberately thrown back onto my credit is negligent and if not taken care of i will sue, i am also request that you verify who this debt belongs to in accordance with Title 15 U.S Code section 1681i. This completely violates my rights and shall be corrected immediately. I kept record of this account being removed for my protection in case their was any future misunderstanding, i also have record of my disputes that i have sent to transunion as well.
Product: Credit reporting or other personal consumer reports

The credit Bureau violated my privacy and reported inaccurate information about my previous mortgage
Product: Debt collection

Multiple " collection accounts '' for same " debt '' amount which appears on my credit report erroneously.
Product: Credit reporting or other personal consumer reports

I sent a certified letter, along with a utility bill, social security card, and driver 's license. Equifax sent what has become known as a stall letter. all the relevant documents where sent to verify my identity. They responded that they could not locate my file. If that were true why do I have negative and inaccurate information on the file located in the Equifax system that is harming me personally?
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company was retained by the original creditor and the original creditor failed to bill the health insurance company in a timely matter. This stemmed from an auto accident case. The original creditor waited over a year to bill the insurance company. The insurance information was provided at the time of service ( in XX/XX/XXXX ). They waited to bill me untilXX/XX/XXXX. I worked with the health insurance company and their Director tried to get the provider to file the claims so that it could be processed. However, because the provider waited over one year to file the claim, it caused the claim to be denied for timely filing. They are contracted with my insurance company and should have filed the claims in a timely manner. I had no idea that the provider hadn't submitted any of these claims and had to call them and ask them to submit the claim. They should not be allowed to submit claims at their leisure and then try to collect payment because they've failed to submit the claims in a timely fashion. I've tried to communicate this with the provider. I even leveraged the insurance company who tried to get them to submit the claims to at least have them processed and in their system. Providers should not be exempt from having to submit claims to insurance companies in a timely manner. I understand that they treat people with auto accident injuries and would rather collect rather sums of payment if the case settles or a judgement is awarded, however, not to process insurance information to try to jeopardize the patient 's financial situation is not fair.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and disappointment regarding the multiple unsuccessful attempts to remove fraudulent items from my credit report. These fraudulent entries have continued to damage my creditworthiness despite repeated disputes, and I request immediate attention to resolve this matter effectively. 

The fraudulent items appearing on my credit report include unauthorized accounts, inquiries, or other items that are the result of identity theft or fraudulent activity. Despite multiple prior disputes and the provision of supporting documentation, these inaccuracies persist and continue to harm my financial standing. 

I hereby request an immediate and thorough investigation to address and remove these fraudulent items from my credit report. The specific fraudulent items I need assistance with are as follows : I have provided documentary evidence, including a copy of the police report I filed regarding the identity theft and any relevant correspondence with the creditors involved, to substantiate my claims. 

I expect that you will conduct this investigation within the legally mandated timeframe and inform me of the resolution as soon as possible. Additionally, I kindly request a written explanation of the steps taken during your investigation and any changes The persistence of these fraudulent items on my credit report has caused significant distress and has continued to affect my creditworthiness and financial stability. It is imperative that you address this issue urgently and effectively. I am asking for your immediate assistance to remove the fraud items in my 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
Product: Money transfer, virtual currency, or money service

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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to report about error in my profile. Suddenly there appeared one account and few inquires that do not belong to me. I was chocked to them in my profile. I would be very grateful if you can check them and let me know and if yo figure out that they are not mine just remove them after your check. I am telling to you that they are not mine and I do not want have something that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX opened XX/XX/2020 is unrecognizable to me. I have never done business with either XXXX XXXX or XXXX XXXX
Product: Student loan

Prior to my PSLF loans being transferred from XXXX  LXXXX to Mohela, XXXX  XXXX wrongly rejected one of my employment verfications ( dated XX/XX/XXXX ). In XX/XX/XXXX, I resubmitted the form to Mohela, got no response. Submitted a new form in XX/XX/XXXX that included all the months up to and after the XX/XX/XXXX submission. That form eventually got tagged as a duplicate, despite including more recent months and having a different date. I emailed them in XX/XX/XXXX explaining it was not a duplicate and the dates were different. They did not respond. At that point I wasn't sure what was happening with the form, it didn't show as rejected. I waited longer, by XXXX it was still not processed. I called them again in XXXX and the rep said my form had wrongly been marked as a duplicate, she would resubmit it and it would process in 14 days. One week later I get an email that I'm still not eligible for PSLF loan forgiveness because I don't meet the 120 month count. But if they give me credit for the months I've submitted, I far exceed the 120 months. I called again, and they told me I'd have to wait another 50 days. At this point, I'm at 145 eligible payments, and the only thing saving me is the freeze on loan payments. Their customer service is horrible. They don't respond to emails, despite giving that as an option for communication. For months after the loans were transferred you couldn't get any human on the phone. Now you can reach someone, but they seem incompetent to do anything. They just recite canned language to you and don't problem solve an issue. I have $ XXXX in loans that are overdue for being forgiven and I've submitted all the required paperwork OVER and OVER. I have not been given credit for public service employment since XX/XX/XXXX, despite continuous employment and verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2021, SOUTHWEST CREDIT SYSTEMS add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA SOUTHWEST CREDIT SYSTEMS has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Mortgage

Dear CFPB- I am writing because I received a property insurance cancellation notice ( attached ) from XXXX XXXX due to non-payment of premium of {$6700.00} by my Mortgage servicer ( Nationstar ) unless paid by XXXX XXXX 2016. 
As per my last mortgage Statement, Nationstar is holding in escrow a balance of {$11000.00} There are XXXX active disturbances in the XXXX that could negatively affect my home and Nationstar Mortgage is risking my insurance coverage either through neglect of with the intent putting me in peril by maximizing leverage of my escrow funds to for their own benefit. 
I have faxed copies of this letter to Nationstar and sent a letter to their listed office of insurance renewals at XXXX and tax notices/bills at XXXX with no reply. 

My mortgage has been re-sold twice in three years and this is the second time in that period that this has happened. 

I expect that since Nationstar has proven themselves to not be reliable custodians of an escrow account and my equity in my home is significantly above XXXX % that I will attempt to take responsibility of payment of property insurance and property taxes. 

Thank you for your assistance with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below are not mine. 
XXXX XXXX XXXX The companies listed under Inquires were not authorized to run my credit. I did not give written nor verbal authorization regarding these inquires. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX These items need to be deleted from my credit report. 



In addition please remove the following addresses and employment XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX These addresses are not mine, I have never lived here. 
Employees :
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX