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

XXXX XXXX XXXX XXXX XXXX. 
XXXX CA. XXXX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX, Transunion RE : Formal Demand for Removal of Adverse Credit Information Under 15 U.S.C. 1681c-2 To Whom It May Concern, I am submitting this formal demand under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ) for the removal of adverse information from my credit report, as it pertains to my status as a recognized victim of XXXX XXXX  Enclosed, you will find a certified transcript from the XXXX XXXX XXXX California, XXXX XXXX ( Case No. XXXX ), unequivocally affirming my victim status. 
The court findings confirm the following : XXXX. Recognition as a XXXX XXXX Victim : The XXXX found that I was subjected to coercion and physical and emotional abuse by my trafficker, XXXX XXXX, for over 15 years. This culminated in my forced participation in criminal acts under threat of XXXX against me and my daughter. These circumstances are explicitly documented in the transcript ( XXXX XXXX ). 
XXXX. Court Ruling : The Honorable Judge XXXX XXXX XXXX dismissed the charges against me, citing preponderance of evidence proving that the alleged criminal conduct was a direct result of my victimization. XXXX XXXX stated : I am going to make that finding that these drugs were possessed due to the fear of coercion as a victim of XXXX XXXX, and Im going to dismiss these charges and seal her record pursuant to Penal Code section 851.86 ( Page 44 ).

3. Impact on Financial Activity : My trafficker controlled all aspects of my financial life, forcing actions that have unfairly affected my credit history. As established during testimony, my choices and financial dealings during this time were made under duress ( Pages 18-20, 39 ).

Despite previously submitting this certified documentation, your response indicates a failure to comply with federal law. 15 U.S.C. 1681c-2 requires credit reporting agencies to block information resulting from a consumers status as a XXXX victim upon submission of official documentation. This court-certified transcript fully satisfies the statutory requirement. 
Demands : I request : XXXX. The immediate removal or blocking of any credit report information derived from actions while under duress due to XXXX 
a ) XXXX XXXX XXXX ( XXXX ) XXXX XXXXt b ) XXXX XXXX XXXX c ) XXXX XXXX XXXX  d ) XXXX XXXX XXXX e ) XXXX f ) XXXX XXXX g  ) Correct XXXX XXXXXXXX XXXX this was paid in full in good standing XXXX. Confirmation of compliance within 3 days as required by law. 
Enclosures : XXXX. Court-certified transcript ( XXXX XXXX. XXXX ). 
XXXX. Supporting documentation, including testimony of coercion and ruling details. 
Should you fail to comply, I will escalate this matter through legal and regulatory channels, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and initiating appropriate legal action. 
Please confirm receipt of this demand and notify me of your actions to comply within the specified timeframe. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX is discriminating against me as well as intentionally causing a hardship for me by incorrectly reporting incorrect information. XXXX XXXX closed my account in XXXX of 2024. I filed a complaint durin this time which the company refused to take accountability. The account is shown as closed in XXXX and a XXXX XXXX late notice although the account was already forcibly closed by the company without a legitimate cause. CFPB neglected to look at my history and make XXXX justify closing all accounts although they were in good standing.
Product: Debt collection

Edward Sloan & Associates has reported on my credit report a debt unpaid. I do not owe this company any money. I have requested in writing to be sent any and all information regarding this debt. They have not. I am disputing the debt and meets the FCRA guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1692 ( b ) ( f ) reporting inquiries without my authorization or permissible purpose and violation of the true and lending act 15 USC 1666 ( b ). It's very stressful because it has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I don't have any choice but to seek legal remedies to take care of this issue.
Product: Money transfer, virtual currency, or money service

Someone stole my wallet, which had all my debit/credit cards ID, social, and more. It said on chime that I transferred this money on XX/XX/XXXX24 I transferred a paymeenr t of {$4500.00}, and another one for {$220.00}. It said it was sent to someone I have never known but got this persons contact info and he was willing to send it back. Turns out he is not even a chime member so there was no way he could have even accept it and he said he never saw what I was talking about. Then on XX/XX/XXXX I explained what happened to XXXX ( agent at chime ) and she said not to worry because it would be in my account no later than XX/XX/XXXX24. I just called XX/XX/XXXX and they said the night before supposedly I spoke with XXXX  ( XX/XX/XXXX ) so the night of XX/XX/XXXX some on linked a XXXX XXXX  card and took the money out on that but they cant tell me where it is. I have filed XXXX police reports and have hard evidence. He has charged my cards he stole and I found a receipt for my XXXX he pawned. They keep denying my disputes saying nothing wrong has occurred. I have spoken to 2 managers who actually one yelled at me and both hung up on me. I have ticket numbers, police reports, pictures. There is no reason my money that was my tax return isnt being returned or why I am not being hear or listened to is beyond me.
Product: Checking or savings account

On XXXX XXXX, 2022 I was scammed into completing a wire transfer of {$12000.00} to XXXX XXXX XXXX. I found out this was a scam and immediately tried to recall the wire transfer. I called the bank and went online to reverse the transfer. The representative told me there was nothing I could do and that I needed to file a police report. The officer told me to go online to try to reverse the transfer so I did and nothing happened. I just filed a report to reportfraud.ftc.gov and they told me to file a report on this site because my Chase refused to help me with this scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine and I have contacted XXXX XXXX but they don't have any information in their systems. There are many violations according to FCRA. This account has been deleted from XXXX.
Product: Credit card or prepaid card

BANK OF AMERICA CREDIT CARD STEALS MY MONEY FROM MY B OF A CHECKING ACCOUNT. 

IT HAS HAPPENED ALMOST EVERY MONTH THIS YEAR. I AM XXXX AND IT IS VERY UPSETTING TO BE RIPPED OFF BY THIS BANK.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on a formal dispute I submitted to XXXX, XXXX AND EQUIFAX regarding inaccurate information reported on my credit file. The initial dispute was submitted on XX/XX/year>, and I have not received a response or resolution within the required timeframe as outlined under the Fair Credit Reporting Act ( FCRA ). 

The disputed account details are as follows : XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed several inaccuracies and discrepancies on my report. These inaccuracies have been detrimental to my life and credit health
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, am filing this report due to being a victim of identity theft. the accounts listed were opened fraudulently using my social and other nonpublic information of mine. there are also several social security numbers on my account that are there fraudulent, that I have never been associated with. I did not benefit or give consent to anyone or persons to use my information to obtain these goods or accounts. In 2016, my information was compromised after someone stole my purse. my purse contained my license and bank card information inside. ever since, I have been dealing with identity theft. I am excursing my rights under the FCRA 15 USC 1681 to have all fraudulent accounts and social security numbers not mine blocked and deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX*CONSUMER STATEMENT** PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE. 

Diputes : XX/XX/XXXX Bmw financial services XX/XX/XXXX Bmw financial services XX/XX/XXXX Bmw financial services {$3700.00} Paid on XX/XX/XXXX Date opened XX/XX/XXXX Status Open. 
Status updated XX/XX/XXXX Balance {$48000.00} Balance updated XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several negative entries on my credit report that I believe are in violation of the Fair Credit Reporting Act. The following accounts have been reported as charged off, late payment or collection accounts : XXXX XXXX charge off account XXXX XXXXXXXX charge off account XXXX XXXXXXXX late payment account XXXX XXXX XXXXXXXX charge off account XXXX XXXXXXXX charge off account XXXX XXXXXXXX charge off account XXXX XXXX XXXXXXXX collection account XXXX XXXXXXXX XXXX XXXXXXXX collection account XXXX XXXXXXXX collection account I believe that these entries are inaccurate and unfair, and I request that they be removed from my credit report immediately. I have made every effort to pay my debts on time and maintain a good credit score, but I have been faced with unexpected financial difficulties that have impacted my ability to make payments on these accounts. 

I understand that it is the responsibility of the credit reporting agencies to ensure the accuracy of the information they report, and I ask that they do so in this case. I also remind you that under the Fair Credit Reporting Act, consumers have the right to dispute inaccurate information on their credit reports, and to have that information corrected or removed. 

I respectfully request that you investigate the accuracy of the negative entries on my credit report and remove any items that are inaccurate or in violation of the law. If you find that any of the entries are indeed inaccurate or unfair, please remove them from my credit report immediately. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I have a Home Depot Consumer Credit card. I had a promotional balance with terms of 12 months no interest if paid in 12 months. The original transaction amount was {$450.00}. I did not payoff the purchase in the 12 months and the promotion expired. I received my statement the next month and it shows the interest charge calculation. Home Depot calculated the interest for this purchase on a {$500.00} instead of {$450.00}. I called Home Depot customer service on XX/XX/18 for explanation as to why my interest was not calculated daily off of the actual transaction amount and how was this increased difference calculated for my original transaction amount. After 30 minutes and holding while the contact spoke to her supervisor I was told that's just how we do it because of averages. I could tell the contact was unable to explain their calculations. I have no issues in understanding my deferred interest was accruing within that 12 month period. I do have an issue that the interest was accruing off a dollar amount higher than what I paid at the store.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX Actt # XXXX has violated my rights. 

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 an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section State : no credit reporting agency may make any consumer report any of the following items of information Any other adverse item of of information, other than records of convictions of crimes which antedated the report by more than 7 years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to any consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit card

Re : Expired Charge on Care Credit card XXXX Synchrony Bank illegally allowed a charge in the amount of XXXX to be approved on an expired, over the year dated card.

This letter is to dispute a charge of the Care Credit account number last for digits XXXX. The account had a XXXX balance, the card was expired since XX/XX/XXXX, I never activated the new cards. My granddaughter was user to the account, she lives in Florida where the charge occurred for XXXX XXXX. I did not tell her that the card was expired nor did let her know about the new cards because I was not going to activate them. To my surprise I received a bill in the amount of XXXX, I contact Synchrony Bank XXXX XXXX, XXXX I spoke with XXXX XXXX the name I was given with questions : Why was the charge approved on an over the year expired card, when other banks do not accept expired cards, when the new cards where not activate. I requested transaction cancellation due to this illegal expired card charge. I disputed the charge due to all the above questions.

To resolve the problem, I requested charge cancellation since the charge was not 30 days old and the card was expired which caused the transaction to be null and void, illegal. I am not by law to accept this bill nor am I obligated to pay it due to the facts stated above. The charge should not have been approved on an over a year-old expired card.
Product: Mortgage

Last year, our then current mortgage provider ( XXXX  ), sold our mortgage to Flagstar Bank. We had a monthly payment of {$1500.00} which included escrow when we had XXXX. Right away, after it was sold, our mortgage payment increased to {$1700.00}. We called to inquire about it and were told they would be taking additional funds each month in order to have a buffer in escrow.

We have been paying about {$300.00} extra per month for 8 months now. This week we received a letter in the mail from our insurance company stating they were cancelling our policy due to non payment. So we went on Flagstars website to see transactions and not only are we still negative in the escrow account but they said they paid our previous insurance company a payment of {$1400.00}. Our former insurance company, not our current insurance provider mind you. Nearly 20 years of dealing with mortgage companies and Ive never
experienced such a thing. Were not satisfied with the selling of our mortgage to Flagstar, and even more unsatisfied with the service they provide.

It has been a struggle keeping current with finances due to the pandemic and being a small seasonal family business, its hurt us hard. The last thing we needed was our payments increasing each month. Im at a loss at this point. Our rates with the current homeowners insurance are less than they were with the previous
company, so I believe that leaves us paying unnecessary, additional funds to Flagstar as well. Im not comfortable having my money sitting in their account for this buffer either. Not sure where to turn, or who can actually help solve this problem, so reaching out to you for help.

Id be willing to provide any and all documentation as needed. I appreciate your assistance. Thanks in advance.
Product: Credit card

1- I was charged interest / late fee after my last complaint when i tried to call and tell them that a bad payment was submitted from an account that did not cover the cost of the bill. I got hung-up on and issue is unsolved.

2 - I am trying to make a payment on my card, but now when I login to their portal they have blocked my access to make payments. I assume because of the last payment that was submitted with the wrong payment account information.

3 - I am worried they will report this as a late payment, but in fact i have been trying to resolve this for the last two weeks now with no response.
Product: Prepaid card

We have used the American Express Serve card for quite sometime having our payroll direct deposited on this card. We recently noticed a recurring monthly transaction that we did not recognize. Upon further investigation, it was discovered that XXXX the merchant for our cell phone purchase, deceptively had us agree to cell phone insurance through XXXX that we specifically stated at the time of purchase that we did not want. The XXXX told us merchants sneak the agreement in with the other required signatures during purchase - so they are even aware of the deception and would not refund the charges. Upon contacting our cell provider XXXX XXXX XXXX, we were informed that the charges were not from their insurance provider, XXXX, and we were advised to dispute the credit card charges with our card provider immediately. 
We filed a dispute with American Express Serve and when their investigation was complete, our card was immediately closed and we were no longer allowed access to our remaining funds of {$100.00} on our prepaid card. We were told we violated a service agreement ( which was the section stating they could close our account at any time. ) We were also given no information as to the results of our dispute other than to request results in writing - even though the entire dispute up to this point was handled over the phone. We were also told that our funds would be immediately returned via check once all pending transactions cleared which would take XXXX48 hours. Three weeks later, we still have not received our funds. I called American Express Serve customer service and was on hold for over 20 minutes. Once I finally reached a representative, I was told the check was " reissued yesterday '' and it would be another XXXX14 days minimum before I would receive it. The rep could not tell me why the first check was never sent, nor could they tell my why it had to be reissued. Right now we are looking at waiting a total of 5 weeks for our funds to be returned all because American Express closed our account for disputing fraudulent and deceptive transactions. Since we utilized this AMEX card for our payroll deposits, this caused an immediate hardship for our family. We had no additional funds for gas or groceries until our next payroll - which we were left scrambling to receive since it was set up for direct deposit with AMEX Serve.
Product: Mortgage

Bank of America sent a letter to me that they had put my home into foreclosure after i explained to them that i had been laid off permanently from my jobXX/XX/2020 due to Covid19 and i needed forbearance. This is in direct violation of the CARES ACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


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

I was denied for a credit card from XXXX XXXX  ( I've also received the same information from the Social Security Administration when trying to set up an online account. According to the SSA they use Experian to verify identity when someone is trying to set up a new account ) and only reason stated on the letter of denial was that Experian had and alert on my credit report file instructing lenders to contact me prior to extending credit. I followed up with Experian which is very difficult to do since they make it as hard as possible to get to live person. Once you reach a live person they are in the wrong department to help and they disconnect you when transferring to the correct department.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a inaccurate account on my report. I have disputed it several times and it constantly reports. I have contacted the XXXX XXXX and all of the reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nationstar mortgage company known now as Cooper nationstar have foreclosure on my credit report and I never went through foreclosure with Nationstar between the year XX/XX/XXXX and XX/XX/XXXX. I was going through a shortsale process and the next thing the realtor/broker and I knew the building was sold without us knowing. I didn't worry about it I just wanted out but in XX/XX/XXXX I saw Cooper Nationstar had a foreclosure on my credit report and when I tried talking to them the would say they are working on it. I lost out on the house I was trying to purchase the lender for the house I was trying to get reached out to Nationstar and they stated it looked like a short sale but wasn't sure and they told lender he would have to talk to their lawyer. I lost out on the house and I lost about {$3000.00} trying to purchase the house. I don't know what they did but the transaction on selling the building without me knowing didn't seem right and I should not have a foreclosure on my credit. The information was not accurate in any way at all. I had no Ideal this was on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax contacted XXXX XXXX XXXX  stating I filed a fraud complaint with their agency disputing a credit line of {$300.00} opened without my authorization which is false. XXXX XXXX XXXX suspended all access to account paid on time. 

Equifax acts resulted in closure of a good account while I am in a mortgage purchase process with a closing date of XX/XX/2019. XXXX XXXX XXXX will not reopen account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX File # XXXX Reported on XX/XX/XXXX This was my car loan for a XXXX XXXX. This loan was paid in full completely in XXXX. They actually mailed me a title and nobody does that unless the loan is paid in full. I do not have this car any longer -- so I could not have transferred the title unless they mailed me one. I have spoken to them directly. Car loan was paid in full. Ask them why did they mail a clear title if car was not paid in full. I do not owe them anything. This credit has been paid in full by myself the consumer. I have no knowledge where they feel debt is not paid. I just know they started calling me asking me for this money. 

Thank you. 

XXXX XXXX XXXX