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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}, {$7500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated  on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized credit inquires on a recent pull of my credit report. I believe this to all be errors copied to my report I sent my notices to investigate and resolve XX/XX/2019 and XX/XX/2019. 
XXXX XXXX XXXX never applied for credit *XXXX XXXX XXXX XXXX -never applied for credit *XXXX XXXX XXXX- never applied for credit *XXXX XXXX/ XXXX-never applied for credit * XXXX-never applied for credit XXXX XXXX XXXX -never applied for credit XXXX XXXX-never applied for credit XXXX XXXX XXXX applied for credit XXXX XXXX-never applied for credit *XXXX XXXX XXXX -never applied for credit
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Uplift Inc has reported an account on my XXXX credit report that has already been satisfied and paid in full months ago. It is severly impacting my credit score in a negative way. Please help. The debt was satisfied in XXXX. Please see attached! The negative tradeline on XXXX needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. 

XXXX  XXXX  XXXX {$170.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX {$390.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

FCRA 605B seems to require us to remove any incorrect accounts from my credit report. Could you check the documents? Some of the listed accounts are inaccurate in terms of the reporting, with inaccurate amounts and dates being reported.
Product: Payday loan

In XXXX I got a loan from Allied Cash advance. I had shortly after lost my job and was not able to repay it. They then sent it out to collections. On XX/XX/XXXX I had a company called XXXX call me and try to resolve it. They sent me a validation notice and the whole XXXX yards. I payed the amount they contacted me with and then sent me a document with the amount paid and account number, file number, and saying that it releases me of any obligation of this matter. Well today, XX/XX/XXXX a company called XXXX XXXX called me. I spoke with a lady named XXXX XXXX ( supervisor ) at XXXX. She was really rude and kept insisting I pay and she kept saying she would n't send me a validation notice or anything. I tried telling her that I had already paid it with another company and tried giving her their name, number, and account number but she kept saying that they 're going to contact my HR and have my wages garnished and stuff. She simply said they don'y send out validation notices because " they just do n't have time to '' and that this is just a courtesy call that they do n't usually do this. SPAM!!!!!!!!!!!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Guild mortgage is reporting our closed account as 120 days late during the forbearance period although we had a contract and were current up to the forbearance being in effect. We were granted forbearance for 6 moths starting XXXX. We did not know the company had reported our account late as XXXX shows it current while the other two show it late. We called guild mortgage to get it corrected and they gave us the run around and refused to correct their obvious error. Guild refuses to remove late payments assessed during XXXX XXXX despite the fact federal mandate says servicers can not assess late payments during forbearance if a borrower was on time prior to the forbearance request.
Product: Credit reporting, credit repair services, or other personal consumer reports

As you can see i have complained about this company 8 times this will be the ninth. Let 's go back to complaints 1 through 7. As you can see they had verified proof that I lived at XXXX XXXX XXXX XXXX XXXX. Guess what the street the address does n't even exist. It was till I did my own research on google maps that I found the street or the address did not exist. Again now after complaints 7 and 8 they are saying I lived at XXXX XXXX XXXX XXXX as verified proof again this is completely FALSE and misleading information!!! Again let me STRESS I want to be crystal clear. lexis nexis stated on 5 different occasions I lived at an address that does n't even exist!!!! Now they are claiming again as verified proof I lived at XXXX XXXX XXXX XXXX. Let me tell you for the 9th time this is FALSE AND MISLEADING information. Again I want to point ot 5 times they said i lived at an address that does not exist. So again I did some homework and guess what the home at the time belonged to a XXXX XXXX and XXXX XXXX.. Not XXXX XXXX . please have this corrected ASAP. They are providing FALSE AND MISLEADING INFORMATION. They did not investigate this just like they did not investigate the 1st 6 complaints
Product: Debt collection

Ive contacted XXXX XXXX XX/XX/XXXX regarding a collection on my credit report. At the time of the service my daughter had VA XXXX. XXXX XXXX did not bill the services correctly. XXXX XXXX response was my daughter did not have coverage. Which incorrect. I provide patient XXXX with the documentation. Now the bill has been turned over to collections. Ive been disputing this bill since then. The original amount was {$250.00}. The XXXX XXXX XXXX XXXX has the amount {$460.00}. Ive contacted XXXX and disputed the account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I also contacted the collection agency.
Product: Credit reporting or other personal consumer reports

I am writing to urgently seek assistance regarding multiple unsuccessful attempts made to both my creditor and the credit bureaus concerning inaccuracies in my credit report. 

Despite my persistent efforts to rectify the issue, there are accounts listed as " charged off '' that continue to display an incorrect balance. As per my understanding of regulations, this discrepancy violates legal standards. Moreover, when I diligently pursued investigations with the credit bureaus, the responses received merely affirm the validity of these inaccuracies, without addressing the root cause These errors are significantly impacting my financial standing and credibility. I am reaching out to the Consumer Financial Protection Bureau in the hope of receiving guidance and support to navigate this frustrating situation. Your expertise and intervention in this matter would be immensely appreciated. 

I have documentation supporting my claims and am willing to provide any necessary information to facilitate a swift resolution. Your prompt attention to this matter would be invaluable in restoring accuracy to my credit report. 

I filed a dispute with XXXX XXXX XX/XX/2023 I filed multi with XXXX maybe 2 each year and Thank you for your time and consideration. I eagerly await your guidance and assistance.
Product: Credit reporting or other personal consumer reports

The Acconts below are more than 7 years old and should be delted from credit report. 

Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$32.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$32000.00} Highest balance - Terms 72 Months
Product: Mortgage

I paid off my loan with HSBC in XX/XX/XXXX. I 'm in the process of refinancing and they still have not released the proper book and page number. I notified them of the same in writing on XXXX and again on XXXX. They said they never received the first letter, but after speaking with them on XXXX, they said the release was recorded on XXXX. Not sure how they somehow just decided to record a release on the mortgage when they said they had never received my correspondence on XXXX and it was the same release they originally recorded with the incorrect book and page number. Have talked to them over several occasions and they still have not released the proper book and page number per my attorney. They were sent a copy of the paid mortgage listing the correct book and page number. This has caused me damges, time and money. What recourse do we have to obtain that release before interest rate rise again. My banker recommended that we file the compliant with the CFPB. There should be LARGE penalities for companies that cause these problems and headaches.
Product: Credit card or prepaid card

i have tried to pay my bill for this account numerous times on the website. There website will not accept payments. I have attached screen shots.
Product: Credit reporting, credit repair services, or other personal consumer reports

We were applying for a home loan, had something on credit report that was n't ours, now that got taking care of, but in the process of dealing with all  XXXX  credit bureaus  XXXX ,  XXXX , Transunion we found out they all out sourced  ALL AMERICANS CREDIT INFO , to what we believe was  XXXX . I tried to get them to tell me what country I was calling and they refused to say! They also would not give me their name or even an employ number and when they found out we had them on record or speaker phone they refused to talk to us, now keep in mind that is the first thing you hear when calling them, " this phone call will be recorded for training purposes '' We want all credit info to stay in the United States of American. It ridiculous that Americans complete personal info is being shipped to a foreign country, for, who know who, to see and use and they are getting every bit of our personal info, Social Security numbers, phone numbers, name, addresses, jobs, jobs phone numbers, dependents and credit card numbers .We want to know why is something as important and personal as credit report is being treating in this way!
Product: Credit reporting or other personal consumer reports

I received a consumer report from XXXX XXXX, and equifax and they all have reported inacurrate information on my consumer file and they are not following federal law and I as a consumer have a right to privacy and this is illegal to report transactions and also without my consent. I have never given consent to these inaccurate reportings. I have NEVER been Late and I have never missed a payment. These reporting agencies are not allowed to report any transactions history that is negative and for any purpose. I have been violated as they have caused me mental harm, stress, and loss of credit extensions as they have been furnishing my information and reporting information that they have NO RIGHT to report. 
They have assumed a role that they are part of the government and they are not. I Demand that they update the accounts to show as paid as agreed or paid. I need these agencies to update my files and the accounts that they have as late to get them corrected as I need the history
Product: Money transfer, virtual currency, or money service

Chase Bank Cashed 2 of my personal checks to pay my rent to XXXX XXXX There client " account holder '' XXXX XXXX XXXX XXXX XXXX chase cashed my rent payment and placed in there clients Chase Bussiness Account. XXXX XXXX, 2017 after waiting over a hour soke with XXXX XXXX ' XXXX Branch Manger Chase Bank XXXX XXXX XXXX XXXX XXXX, CA XXXX phone XXXX. Whom informed me it would take 3 years for me to get refund and duress payment. I am asking fro the account of payment and dress payment XXXX that is smallest account in small claims court. I contacted there client XXXX XXXX XXXX asking return of my rent payment and duress. I was told No they were not going to return payment there reply '' We do not look at checks we just cash them " and hung up the phone. { I guest Chase Bank Does Not Read Checks Either }
Product: Mortgage

XXXX XXXX  continues to increase my mortgage payment every year. I had a loan modification a few years ago as I could not afford the payments at that time, which were around {$1100.00}. XXXX XXXX increased my mortgage payment this XX/XX/XXXX from {$1100.00} to {$1100.00}. My payment was raised again XX/XX/XXXX to {$1500.00}!!!! I originally had a loan modification because I could not afford a {$1100.00} payment. Now my payment is {$1500.00}. I feel they are setting me up for failure. Is this legal what they are doing? I had a temporary loan modification back in XX/XX/XXXX. I need a set payment which I can afford, and my interest rate lowered. I went from paying 3.5 % to 6.5 % interest rate on my mortgage. I am struggling with this, and the bank knows this and does not care.
Product: Mortgage

my mortgage is with Rocket mortgage in XXXX, I scheduled two ( 2 ) payments in XXXX of XXXX on ( 2 ) different accounts. One ( 1 ) went through and the other did not because the withdrew on the wrong account. I placed many calls and explained their mistake to a XXXX member, causing overdraft fee from my bank and their company. All I asked for was reimbursement for the fees that were not my fault. They can not do so, so I told them I would not make the XXXX payment until they do. This resulted in nasty letters and representative show up at my doorstep to see if I still lived there. I would like to know how to stop this harassment. I'm willing to make XXXX payment, they took the XXXX payment with no problem.
Product: Mortgage

The Post Office returned my mortgage payment with a certified letter, stating on the envelope returned to sender, no mail receptacle, unable to forward. I called Select Portfolio Servicing, as soon as I received the returned certified letter, but the office was closed. I waited until Monday, next business day ( XX/XX/2017 ), and I made the payment by phone. I 'm checking today XX/XX/2017, and the payment had not been submitted to the bank. As far as I 'm concerned they are trying to defraud me. I 'm never late with the payment.
Product: Credit reporting or other personal consumer reports

Formal Complaint Against XXXX, XXXX, and Equifax for Negligence and Non-compliance with Consumer Protection Laws To Whom It May Concern, I am writing to formally complain against the three major credit reporting agencies : XXXX, XXXX, and Equifax, concerning their continuous failure to rectify fraudulent information on my credit reports stemming from identity theft. This ongoing issue has severely impacted my life and financial standing, and I feel compelled to seek intervention from your esteemed agency. 

Despite multiple attempts to resolve this issue, including providing necessary documentation and following the stipulated procedures, the aforementioned credit bureaus have not only failed to correct the inaccuracies but also have not provided any substantive feedback or documentation from the data furnishers who allegedly supplied this erroneous information. The lack of transparency and cooperation from these bureaus has left me in a precarious financial position, unable to move forward in various aspects of my life, such as securing loans and accessing favorable credit terms. 

It has been over a year since I first reported this issue, and the last communication regarding this matter has exceeded the 60-day resolution period as mandated by federal law, specifically under the Fair Credit Reporting Act ( FCRA ). Under the FCRA, these agencies are required to conduct a " reasonable '' investigation within 30 days upon receiving a notice of dispute from a consumer and to correct or delete any inaccurate, incomplete, or unverifiable information. Their failure to comply demonstrates not only negligence but also an unethical disregard for consumer rights and protections. 

Furthermore, the lack of compliance by XXXX, XXXX, and Equifax with these legal requirements has caused significant emotional and financial distress. This negligence contravenes the Consumer Financial Protection Bureaus mandate to ensure fair, transparent, and respectful treatment of consumers by financial entities.

I am urging the Consumer Financial Protection Bureau to take immediate action against these agencies to enforce compliance with the FCRA. Additionally, I request a thorough investigation into their processes and a mandate for corrective action to amend my credit files and remove all fraudulent entries without further delay. 

Attached are copies of all previous correspondences with the credit bureaus, as well as a timeline of the events and attempts made to rectify my credit report. 

I appreciate your attention to this critical matter and look forward to your prompt response and resolution. 

Thank you for upholding the rights of consumers like myself. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Credit Karma , INC pulled my credit report on XX/XX/2023 unlawfully and without my written consent. This violated my right for privacy. USC 1681 A 1-6. 

The response you sent back to me had nothing to do with my complain and did not resolve my issue. The consumer reporting agencies did not pull my credit report, therefor they are not liable for removal of the inquiry. If you are not versed in Federal law please send this to your CEO or CFO. Other than deleting the inquiry from my consumer report you would be in willful noncompliance and I will seek monetary damages.
Product: Bank account or service

I have been renting a condo unit for 2 years. The original owner had passed away. The condo association. had Certificate of Title for the property and was renting to me. I have a signed lease thru XX/XX/XXXX.The condo went into foreclosure last year. On XXXX XXXX, XXXX, Ally Bank purchased the property. In XXXX XXXX, they sent a Demand for Possession letter stating that I may have additional rights under the Protecting Tenants Act of XX/XX/XXXX, and asked for my lease copy. My realtor sent both Ally Bank and their lawyer, XXXX XXXX XXXX, XXXX, FL, the lease, proof of my timely rent payments and a letter asking where my rent payments should now be sent. No response to this letter was ever received from either Ally Bank or XXXX XXXX XXXX. In XXXX XXXX a Motion to Issue a Writ of Possession was taped to my door. ( on my end, everyone involved, my realtor, the condo assoc. lawyer, realtor for new owner assured me that my signed lease had to be honored ). On XXXX XXXX, XXXX, a Writ of Possession was taped to my door. Calls to XXXX XXXX XXXX by my realtor, myself and a local lawyer were fruitless. XXXX NOW said they would NOT honor my lease as they deemed it " invalid '' as it was signed after the foreclosure process started. My lease was signed XXXX XXXX. Ally purchased the property XXXX XXXX. They had never stated this to either me or my realtor until XXXX XXXX. They would not grant me an extension. They told my realtor ( not me ) that the sheriff was coming the next day at XXXX to evict me. This was XXXX and I had to scramble to get movers and work all night to pack what I could. Both the sheriff and eviction crew were very kind and they waited while I moved out what I could. I am XXXX years old and Ally Bank and XXXX XXXX XXXX put me out on the street even though I had a signed lease, paid rent timely for 2 years, and kept their property in good condition. Their actions were reprehensible. People need to be aware of their tactics. I am asking Ally Bank to reimburse me for the {$2000.00} moving and storage costs and the {$500.00} in refrigerated and food items I had to leave. No dollar value can be placed on the personal items I had to leave ... things that were to be given to my grandchildren, or on the unnecessary stress I suffered. Instead of sending notices saying " send a copy of your valid lease '', which we did XXXX times, they could have easily told my or my realtor they deemed my lease invalid. I surely would have moved out. I was prepared to leave at lease end anyway as I assumed they would be selling the property. Ally Bank 's slogan is " bank human '' ... .I think they should re-think that one. They and XXXX XXXX XXXX did not have the decency to honor a signed lease for 3 more months. It was easier for them to evict an innocent XXXX. The public needs to know how they operate and give pause before dealing with them. F.Y.I ... If you have a signed lease on a foreclosed property ... .beware, it may do you no good.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a prescreened offer from XXXX XXXX. I called XXXX to opt-out just as it indicated at the bottom of the page. I also went to XXXX on XX/XX/XXXX and filled out the form for the 5 Year Opt-Out. I received another XXXX XXXX mailing on XX/XX/XXXX to which I immediately called XXXX for an opt-out again. Today, XX/XX/XXXX, I received another XXXX XXXX mailing. I thought something was not right so I pulled my XXXX credit report to find that there is no mention of an opt-out. I used to see that I had an opt-out on the file. After three motions for an opt-out it should be reflected somewhere. Today I mailed the opt-out form to make it permanent, not just for five years. There should be some way to check and see if that is on the file.
Product: Debt collection

I contacted Kia Motors Finance on XX/XX/2022 and I spoke with an associate named XXXX. This associate verbally agree to settle a debt based on a previous offer from a debt collection company. She instructed me to send her a copy of the settlement letter via email and provided her email address. She stated that once this was complete that she would call me to collect the settlement amount. I called her back on XXXX XXXX the new associate refused to transfer me to XXXX and the stated that they would not be settle the debt even though the previous associate had agreed. I asked why we could no longer settle for the previously agreed upon amount and I was told that a new supervisor did not approve it and they would not be honoring what the previous associate told me was a firm agreement. The associate refused to let me speak to the associate or to a XXXX.