23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2020 I called Reliacard to file a dispute. Everything went smoothly at this point. I received my new card the same day I received the forms to file my dispute XX/XX/2020. I called in to activate my card and was instead told that they had no record of sending a new card and that my account was closed with a note stating not to reopen it and had no answer as to how I would receive the money that I still had in my account. When I asked as to why their response was they had no idea that all it says is to not reopen the account. Later that day I filled out the dispute forms and faxed them in with the additional information they needed. On Monday, XXXX XXXX I received a letter dated the XXXX stating they had made a final decision regarding my dispute. On the XXXX I had not received any forms so was unsure as to how they came to the decision already. I called in and was told that it would be 3-5 business days before the right department would receive my complaint to continue the investigation on my dispute with still no answer as to why I couldn't receive the funds in my account nor when I would be able to. My lease is up on XX/XX/2020, and with my landlord refusing to resign my lease, I'm having to move, and having Reliacard withhold my funds has made this an impossible task which is causing problems between my landlord and me.
Product: Credit reporting or other personal consumer reports

[ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Phone Number ] [ Email Address ] [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, Zip Code ] Re : Letter to remove Inaccurate Credit Information to whom it may concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX. Validate Account XXXX XXXX XXXX / XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate AccounXXXX XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX - XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please investigate. Ive never made a late payment on this account, please correct. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate. Ive never made a late payment on this account, please correct. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX  days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months Thank you for your time and help in this matter. 

Sincerely, [ Your Name ] [ Your Signature ( if sending a hard copy ) ]
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to follow up on the complaint I filed with the Consumer Financial Protection Bureau ( CFPB ) regarding Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I filed my initial complaint on [ insert date ], outlining the details of the situation and providing all necessary documentation to support my claim. However, despite the passage of [ insert duration since filing initial complaint ], I have yet to receive any communication or acknowledgment from your end regarding the status or progress of my case. 

As a concerned consumer seeking resolution to this matter, I am disappointed by the lack of response and the apparent disregard for my rights as outlined by the CFPB. I believe that every consumer has the right to fair treatment and timely resolution of their complaints. 

Given the seriousness of the issues I have raised and the potential impact on my financial well-being, I urge you to prioritize the handling of my case and provide me with a prompt update on its status. I expect transparency and accountability throughout this process. 

Please confirm receipt of this follow-up communication and provide an estimated timeline for when I can expect a resolution to my complaint. Additionally, if there are any further details or documents required from my end to expedite the investigation, kindly inform me so that I may provide them promptly. 

Thank you for your attention to this matter. I look forward to your prompt response and the resolution of my complaint.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/year> i submitted a dispute letter asking to verify these alleged accounts and the credit bureaus failed to respond or investigate these accounts!
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and noticed a Hard Inquiry that I dont recognize. 

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

We are requesting under the Fair Credit Reporting Act ( FCRA ) to have errors and imcompletions corrected in our credit reporting. These same errors were previously disputed, but were never corrected. In the case the original disputes did not have the correct evidence, we have attached copies from the providers documents that support the corrections. Please correct according to the providers documents, and if no correction, provide to us copies from the original loan documents that supports otherwise. 
From the CFPB : " Both the credit bureau and the business that supplied the information to a credit bureau have to correct information that's wrong or incomplete in your report '' XXXX, Please remove the {$1900.00} deferred payment from all recording. It was paid during the sale of the loan in XXXX of XXXX ( see attached XXXX ) and note sale and balance ( attached XXXX ). 
XXXX, Remove or provide signed document that has both my wife and my name that supports the XXXX  month term ( attached XXXX ). 
XXXX, Correct reported payment history that includes payments that were made to XXXX XXXX XXXX on these dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( attached XXXX ). 
XXXX, Correct entire payment history reporting. Please report according to the consecutive payments that were made. Payment history reporting should follow as recored in thier provided " XXXX XXXX XXXX '' ( attached XXXX ). Please remove all doubled and XXXX entries from XX/XX/XXXX to XX/XX/XXXX and have the reporting showing our XXXX consecutive and on time payment history. 
XXXX, Correct the reported balance amount of the loan ( XXXX ) and have it showing the balance according to the XXXX XXXX XXXX ( XXXX ) according to the XXXX XXXX XXXX. There is an {$3700.00} difference according to the XXXX XXXX XXXX. This {$3700.00} difference is why our credit scores are sub prime ( Around XXXX - XXXX ) ( attached XXXX ). 
We also ask to have the loan Serviced according to the Note or XXXX loan XXXX, which are the only Active Loan Documents for our loan. 
The requested changes are supported by actual loan documents and any reason to not make the corrections should be supported by actual loan documents or ammendments that has our signatures.
Product: Credit card

I was approved for a Bank of America XXXX XXXX XXXX credit card on XX/XX/year>. While on the phone with a representative, I asked that the new card be shipped to an alternative address since I was going to be traveling over the holidays and was eager to take advantage of the {$300.00} credit for airline incidentals. This credit resets with the calendar year. The card never arrived at the alternative address so I did not receive it in time to use the 2024 credit. I reached out to Bank of America who acknowledged their error but did not reimburse the credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple addresses on my report where I never lived
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning I'm trying to purchase a house. I've been a customer for a while with capital one and I'm not sure how the mix up happen but it's Incorrect information on my report with XXXX it was deleted and now it's drawing my credit scored down and it should not be able to. Re appear you could help me out with the situation? I really appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM REQUESTING XXXX, XXXX AND EXPERIAN TO REMOVE THE CREDIT FREEZE, FRAUD ALERTS SO THAT CFPB CAN AIN IN PORTECTING MY CREDIT FAIRLY. WHEN THE DISPUTES ARE COMPLETED I WILL REPLACE THEM BACK ON MY REPORT.
Product: Debt collection

OK ... .FIRST OF ALL, I HAVE A CEASE AND DESIST ORDER AGAINST THIS COMPANY. I RECIEVED A LETTER YESTERDAY ASKING FOR MORE XXXX DOCUMENTATION REGARDING MY ID THEFT CLAIM. I AM NOT SUBMITTING ANYMORE STUFF TO THESE PEOPLE!!!!!!!! I WAS LUCKY TO EVEN BARELY FILL OUT THAT XXXX FRAUD PACKET AND SEND THEM A COPY OF MY XXXX ID, AND THEY STILL WANT MORE XXXX!!!!!!!!! I AM NOT DOING IT!!!!!!! GOT IT?!!!!! THEY WERE XXXX TO YOU GUYS ABOUT GETTING A FRAUD PACKET, THEY GOT EVERYTHING THEY ASKED FOR AND STILL WANT MORE!!!! UNACCEPTABLE!!!!! THEY ARE NOT SUPPOSED TO BE CONTACTING ME AT ALL ABOUT THIS DEBT, AND THEY ARE STILL DOING IT, I GOT NOTIFICATION FROM THEM YESTERDAY BY MAIL!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

US Bank is reporting a paid past due account incorrectly. They are reporting that the account was closed at my request. This is incorrect. US Bank closed the account. They can't provide proof of their claim, so this item needs to be corrected or removed from my credit report.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  XXXX Account Number : XXXX  Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries 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 XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I'm disappointed by your claims & am rejecting on the basis that you lack any material fact to support your claim... Please DISPUTE THESE ACCOUNTS! Or I will be seeking a legal remedy from you. Frustration, distress, annoyance, and outright anger. These emotions stem from the painstakingly slow response and the repeated denial of my identity theft claim by your bureau. Let 's be clear ; this situation is nothing short of a nightmare. I've been grappling with unauthorized accounts and transactions, and the toll it has taken on my financial well-being and peace of mind is immeasurable. The emotional rollercoaster I've endured is beyond distressing. DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, and XXXX XXXX XXXX XXXXXXXX. Please remove these accounts ASAP.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request to Update Personal Information Dear Transunion,, I am writing to request an update to my personal information in your records. Please ensure that my file reflects only the following accurate details : Full Name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX If there are any other names, addresses, or personal details associated with my credit file that do not match the information above, I kindly request their removal to maintain the accuracy of my credit report. 
Enclosed, I have included copies of the following documents to verify my identity and address : A copy of my government-issued identification ( e.g., driver 's license or passport ) A recent utility bill or bank statement showing my current address Please process this request at your earliest convenience and confirm once the update has been completed. If you require any additional information, feel free to contact me at XXXX or XXXX. 
Thank you for your time and assistance. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX to XXXX the loan balance was incorrect. This loan was from XXXX. I owe the XXXX. But XXXX falsely put on my report that I owed over XXXX. And they continued to do this. I want the account information removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is reporting late payments when they dont have to authorization to report for my credit. Breaking my Fair credit reporting act laws. I do not and have not given consent or authorization to report any payments to my credit report. I am protected by The Dodd-Frank Act as-well. I need these 30 day and 60 day late remarks deleted from my credit as they do not have my consent to report this.. 15 U.S. Code 1681a
Product: Checking or savings account

I have XXXX business accounts that with TD bank that i wanted closed because i dont like how the bank handles certain things. I emptied the account and called and requested both of these accounts to be closed. They told me it cant be closed over the phone.. I have no idea why but i told them I cant come in for medical reasons. I requested to fax whatever was needed in and demanded the account to be closed. 1 of the account i wanted to close was left open and was allowed to over draft for {$2.00} which they then charged maintainence fees and overdraft fees before it was later closed. The other account was also closed after they left it to accrue fees maintence and overdraft fees. 

The accounts are for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I had a short sale in 2010 I am trying to buy a house and I can not get US bank to get all three credit bureaus to say it was a short sale my loan office telling me in XXXX XXXX it is saying a pre-foreclosures I can not get a XXXX approval that is what she is saying XXXX I have contracted US bank sent faxes had many question been on conference calls over the last month about this I just want they told me they can not do nothing about it they only keep there records for 2 years, I just need help to solved this please I have the cash sale deed
Product: Credit reporting, credit repair services, or other personal consumer reports

Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Product: Payday loan, title loan, personal loan, or advance loan

Dave not only blocked my account upon creating it for no reason, but is taking monthly fees and not responding to my e-mails. I cant even get so far as to cancel the subscription. They try it over and over again even though my card is locked. I feel like I am a victim of discrimination due to my income and circumstances. Dave app only exists to mock poor people.
Product: Credit reporting or other personal consumer reports

This is my Several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance XXXX {$1300.00} XXXX  XXXX XX/XX/2022
Product: Debt collection

I called Enhanced Recovery trying to pay off a debt. I received a email with a settlement amount. I purchased a money order for the amount I was told to make it for. I was told by the Agent to send it immediately so it could be there by XX/XX/XXXX. I did as I was instructed. The following week I called and was told by XXXX XXXX that my Money Order was denied for " Insufficient Funds ''. He said it was mailed back to me but he didnt know when. I've never recieved the Money Order back. I contacted XXXX XXXX and they said it was cashed on XX/XX/XXXX. My money order is cashed and the debt is still on my credit report. I made a copy of the Money order before I sent it. I also read the reviews about this company, and it seems they have done this to ALOT of people.
Product: Vehicle loan or lease

Despite repeated attempts to make payments towards principal only, M & T has not allowed me to do so on my loan. I have spoken with dozens of representatives, both in person and via the phone, to try to find a way to do so, and they either unsure or have told me it can not be done. As a result, I have had multiple payments wrongly applied as " early payments '' on the minimum payment due each month instead of payments towards principal. These additional payments, along with all my regularly scheduled " minimum payments owed '' each month are being applied to interest only. 

These payments are being wrongly applied as " early payments '' towards the monthly owed amount and thus my statements read that I am XXXX months ahead on payments. Despite this, my payments being made each month are still applying entirely or largely to interest only. 

As a result, despite making payments +/- {$15000.00} towards my original loan, I still owe ~ {$24000.00} on a loan that originally was {$28000.00}. This is deceptive and predatory. 

I have tried everything that has been suggested to me and that I could think of to make sure the payments are applied correctly. There is no way to do so via the online portal or application. I have gone in person and requested it, which was denied. I have called over the phone and it was denied over the phone. I have tried to make my regularly scheduled payment via the online portal and then paid a second payment in the same business day via the online portal. Despite this, both payments apply towards interest. I can not fathom how M & T is allowed to do this. 

Per the statements " [ My ] account is paid ahead for XXXX or more payment periods. Please note : even though youve paid ahead, the interest will continue to accrue daily on your outstanding principal balance. '' This means it is not paying down my principal ahead or decreasing my interest owed.
Product: Debt collection

I sent a letter out on XX/XX/XXXX to XXXX, XXXX, and XXXX. Here is my tracking number : XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 


According to the law 15 U.S. Code 1681 - Procedure in case of disputed accuracy. 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