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

I recently review my credit report and noticed several inaccuracies on my account. This account is making it difficult to obtain credit. The account in question is being reported from XXXX different companies, as a collection and simultaneously as a charge-off. Here is the account ( s ) I am asking you to verify as accurate : XXXX XXXX XXXX XXXX  ; and XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

11 years ago I had a life threatening medical issue for which I was hospitalized for over a week. I had no insurance at the time. I cashed in my XXXX IRA to pay the individual doctors, so now I have no retirement funds. I contacted the hospital and set up monthly payments and they agreed. About one year later they handed my debt over to this collection agency. At this time I sent a cease a desist letter to this agency, told them I was paying the hospital directly and they stopped communication. I continued making the payments for 10 years ( about {$5000.00} dollars ). This month I received a notice of a lein placed on my property with no notice of hearing. This agency is now making daily calls to my professional office. Please make it stop.
Product: Credit reporting or other personal consumer reports

I am writing to address inaccuracies in my consumer credit report issued by Experian. After identifying errors in personal information such as wrong addresses, an incorrect last XXXX social, employment details, personal cell phone, date of birth, and an inaccurate full name, I promptly notified Experian in writing. 

However, their response indicated a mere verification of the information, which was not my request. I explicitly asked for the removal of the inaccurate details, backed by proper documentation, including my social security information, military ID card, and proof of address. 

I kindly request your immediate attention to correct these inaccuracies on my Experian consumer credit report. Your prompt action in resolving this matter is greatly appreciated.
Product: Credit card

My fiance spoke on my behalf to the customer service line with my permission and was told he would be able to pay the account in full by the end of XXXX on XXXX XXXX. He was assured that he would be able to do so without any penalty, fee, negative credit marking, or closure. 
We called to make a payment on XXXX/XXXX/16 and during the call I asked if the account was in collections as I received a letter that it was. I was assured that it was not with a third party and still active, and that if I made a payment that day the account would be restored fully. Because of the late fees, my husband wanted to talk to a supervisor regarding the arrangement as the customer service department was unwilling to remove the fees. He spoke to many representatives who continued to tell us to simply make the payment and the account would once again be in good standing while refusing to transfer him to a supervisor or anyone willing to hear out our complaint. At one point the people in the department actually lied and said they were transferring him to customer service but transferred him to another representative of the collections department. The only reason we know is because the second person made the mistake of saying they were n't customer service when asked repeatedly. As the phone call was continually transferred from one representative to another we did finally agree to make the payment as the collections representatives refused to transfer us until we did. They again promised that the card account was still open and would be restored upon payment. 
Upon payment, the collections representative said the account would not be restored and that there would be a negative credit mark on my credit report. Again, that is contrary to what the other representative just told us multiple times on the same phone call. They still refused to transfer us to a manager or customer service and tried to pressure us into opening another account, guaranteeing and promising that it would be approved. We found out later they did n't have the authority to say that. 
Eventually, after continued demands to speak with a supervisor, they transferred us to customer service who said they were under no obligation to honor anything that was said previously. They said that we would just have to deal with what we had been told up until that point. We were assured that they would investigate the matter and review the calls to see if anything unscrupulous had transpired, and get back to us. Not only did they lie to us multiple times to get a payment, but now we are receiving calls and letters from debt collection agencies about the amount that we already paid. At this point, all I am asking is to have the account taken out of collections and the negative report to be removed from my credit. I do not feel as though this is a reflection of my ability or willingness to pay as I would have responded differently had I known that payment arrangement would not be honored. I am willing to show whatever proof is necessary to indicate the payment has been made. Please contact me with any questions or concerns.
Product: Credit reporting or other personal consumer reports

I need you to delete these accounts completely because they are affecting my credit report. I am hereby requesting that you delete these accounts because if not, I am within my rights to proceed legally and under Law 1681e XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

I never had XXXX XXXX only XXXX  so i have no understanding why they have a collection for me
Product: Mortgage

On XX/XX/2015 I XXXX XXXX XXXX call Bank of America N.A . to follow up answer the Bank of America N.A..They supposed provided to CFPB when they ask for extension which they never answer to CFPB. 
The outcome was that in the follow day XX/XX/2015 Bank of America officer call me and refused to provided her name and she advice The Bank of America N.A . or any affiliated or subsidiary was not related to this case at all and they do n't have any type of interest in the residential located XXXX XXXX XXXX ; XXXX, XXXX XXXX, in controversial of a paper Motion To Amend Final Summary Judgment Of Foreclosure And Rescheduled Foreclosure Sale file in XXXX County Judicial Court at XX/XX/2015. 
I requesting to CFPB to reopen in to demands answers for Bank of America , N.A . 
I want to received the respond true United State Postal service.
Product: Credit reporting or other personal consumer reports

They are reporting multiple different balances and account status. My account in their system says I don't have a payment due for 258 days but they are reporting it to the credit bureau as late. They were reporting a balance of {$8300.00} even after my balance was {$3600.00}. They are preventing me from getting a new auto loan. I'v been to multiple dealers and have been turned away because it was showing I owed 77 % on this loan until yesterday. Then on XX/XX/24 it was reported I have a late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), has violated several of my rights.

16 U.S.C 1681 section 602 A. Clearly States that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of serval laws under The Fair Credit Reporting Act.
Product: Mortgage

I am trying to avoid foreclosure and am waiting for bsi to get back to me anout the fact they took over a loan that is null and void. My brother signed as my attorney in fact when he was under the guardianship of my mother, which was illegal. I was not present and just found this out at my closing and trusted my brother to sign for me in my best interest. If I had known this, I would never have allowed this to happen. I need help speeding up this process so that I have somewhere to stay and can figure out my financial situation. I will include the poa and proof that my brother was under the guardianship of my mother. The loan originated with first centennial and bsi took over the loan. I know XXXX has been in trouble before for overlooking important thjfns like this and I would like a resolution to this so I can move forward with my life in a positive manner. The attachments include the documents when we applied for the loan. In the upper left hand corner is the proof my mom, XXXX XXXX, was my XXXX XXXX guardian. The second is her written description that she has dual access to his bank account, further proving she is his guardian. Last is the poa I would have never signed knowing this. My brother has refused to pay for his part of the mortgage the last year and I have incurred financial losses because of it even though he was the one who illegally signed for me at the closing. I hope you can help me make this situation right.
Product: Debt collection

CMRE. XXXX XXXX. {$140.00}. 
Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found a XXXX channel that is loaded with information about credit repair. There is a woman I would think may be on probation running the website from a supposed office in XXXX XXXX, XXXX. I was contacted for a credit consultation by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX sent me an online contract to and a link to make payment for a credit repair program she had designed. I had to also sign up for a credit monitoring software package at XXXX. I have made several attempts to contact XXXX XXXX and she has not returned phone calls or texts or emails. Luckily I researched to find out that XXXX XXXX XXXX is also XXXX XXXX XXXX a former resident of XXXX XXXX, NY that was a felon charged with stealing peoples social security number and information and selling the information in XXXX. I immediately realized I had been scammed and I shut my debit card down so that no further charges can be made. XXXX XXXX XXXX had me send her a copy of my drivers license and social security card. On XX/XX/XXXX Internet research at XXXX and XXXX provided me information to show that XXXX XXXX XXXX is actually XXXX XXXX XXXX who was arrest and charged in XXXX XXXX, NY for selling people 's identity. Once you view her XXXX  and website you are convinced that she is a reputable credit repair XXXX when actually she is a crook and most likely on probation since sine she was arrested in XXXX and facing a XXXX year sentence. Looks like she has resumed her previous career by posing as a credit repaid specialist. This allows her to gather personal information from innocent people who have suffered through some credit challenges with the use of XXXX and her website. I'm sure it is too late for me but perhaps the XXXX and CFPB will be able to shut her down so that she is unable to take advantage of anyone else. In research her on the internet I was taken for a small amount of money compared to some of her victims from whom she has stolen thousands of dollars. 

Here are internet sites that may help with this complaint. 

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

I have previously tried twice to dispute an fraudulent account from my credit report. I submit my disputes on XX/XX/2022. The company responded saying ( the account verified ) with no proof of my signature. This account was open without consent and it needs to be removed from my credit report. 
These companies are not following the law according to Fair Credit Reporting Act ( FCRA ). USC code 1681 ( A ) states credit reporting agencies must conduct reasonable investigation when a consumer myself submit a dispute and delete information if the information is 100 % accurate. 

Account : XXXX XXXX XXXX 
Account : XXXXXXXX XXXX  - account verified Equifix - account verified The ( FCRA ) federal fair credit reporting act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

On XXXX # XXXX was sent to Consumer Financial for issues I am having with Equifax. Today XXXX I am sending another complaint for the same issues I am having with Equifax XXXX 


The credit bureau- Equifax is constantly rejecting my credit report from access upon creditors request. They are denying release of my credit report saying " credit Freeze '' unable to access credit report. 

Equifax sent me a letter on XX/XX/2023 stating- there is no credit freeze on my credit report. 

On XX/XX/2023 - XXXXXXXX XXXX sent me a letter stating " we are advised that a security freeze was place on my credit report. '' This is beginning to be a issue, I can not get approved for any credit with Equifax because they keep denying me access to my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Date opened : XX/XX/XXXX Requested to remove fraudulent account from my credit report. 

XXXX  XXXX Date XXXX Requested to remove fraudulent account from my credit report. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Requested to remove fraudulent account from my credit report. 

XXXX XXXX  Date Opened : XX/XX/XXXX Requested to remove fraudulent account from my credit report. 

XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Requested to remove fraudulent account from my credit report. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Requested to remove fraudulent account from my credit report.
Product: Credit card or prepaid card

I called initially a few months ago and paid the account in full and requested it be closed I've continued to received bills and multiple credit statements, even after calling multiple times to close the account and being confirmed it was now closed. They continually reopen it without my knowledge or consent, and charge me fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 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 alleged fraud or extortion. 




XXXX XXXX XXXX XXXX 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: Checking or savings account

I disputed unauthorized cash app transactions that were being sent from my account in a months span and it was over {$500.00} worth and they reviewed it for maybe a couple of hours and instantly denied every transaction i disputed.
Product: Credit reporting

See the attached dispute results, dated XX/XX/XXXX, showing XXXX credit card account XXXX " updated ''. 
Based on the reported Date of First Delinquency/FCRA Compliance Date of XX/XX/XXXX, as well as applicable state law ( NY GBL 380j ) limiting reporting of paid charge-off accounts to no more than 5 years, this account was considered " obsolete '' and had to be deleted as of XX/XX/XXXX.
Product: Debt collection

XX/XX/XXXX California implemented an amnesty program which allowed people XXXX-XXXX % off of their current balance with the court systems collection department ( Alliance One ) in order to get people back their licenses. I had XXXX accounts equaling just under {$3000.00}. The amnesty was granted and I paid the balance. I also paid the fees to DMV to reinstate my license and I thought it was all taken care of. 

XX/XX/XXXX my husband and I filed our taxes. We were due a state refund of approximately {$800.00}. While checking the status I received a message that said the California Franchise Tax Board had intercepted my refund and I would not be getting any of it back. 

This is extremely frustrating as the original ticket was a fix it, costing nothing. This is extremely frustrating as the bill had to paid in full before I could get my drivers license back. This is extremely frustrating that my family is struggling financially and I am still being penalized for a paid debt. From the government no less! 

I spoke with the FTB and they said they could not do anything. I spoke with XXXX XXXX some low level manager at Alliance One and he said I would get the refund about a month after they received notice from XXXX XXXX County which would take at least six weeks. Maybe. So a tax refund that was due in XX/XX/<YYYY> I will not get until after XX/XX/XXXX. 

So now I am waiting. For what I do not know. I do not have any faith in Alliance One as far as keeping their word, or being knowledgeable in any capacity. Basically, I am being victimized by the system. Everything is run by an automated system. Every one is pointing the finger and shifting blame to where they are trying to convince me, that no one is responsible or accountable for this grievous error. 

There needs to be a better system in place. Somebody needs a corrective action of some type. This is not okay. Please look into it. Thank you so much. My family and I appreciate your time and effort on our behalf.
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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I looked at my Experian credit report On XX/XX/year> and noticed some things are incomplete and not accurate . And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 ( i ) ( 5 ) they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information : ( A ) in general after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promply notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681 ( s ) -2 they are suppose to 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX SSN : XXXX XX/XX/year> To Whom It May Concern : I sent a request for an investigation under FRA 611 ( a ) to you in reference to the following account ( XXXX XXXX XXXX XXXX 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 THIS IS MY 3rd NOTICE REGARDING THESE FRAUDULENT ACCOUNTS You all have failed to reinvestigate these fraudulent accounts as you or required too I am hurt and confused to see I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. Ive been a victim of identity theft so there is no way you were able to verify anything. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Your company has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not DELETED from my report. Please do not " update '' or " verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & physical documentation to support the information that is being reported on my credit report via USPS mail. Screenshots will not suffice. Send my actual signature on a contract. As this debt is Not mine. I am asking for this verification because my credit score is important to me, and after learning of my identity being compromised I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do no send me a template letter in response to this request. I am in the process of planning a legal case, so I will need specific answers to the specific questions asked of you in this letter. I have faith that your establishment will do the right thing and truly investigate this matter and if you do not have proof the debt is valid which you will not because of identity theft then please DELETE the information. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 

Regards, XXXX XXXX