23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am reaching out regarding a credit report issue that requires immediate attention, as it is impacting my ability to proceed with a home purchase. 

On XX/XX/year>, I paid off my account with XXXX XXXX XXXX XXXX, and I was informed that this update would be sent to the credit bureau by XX/XX/XXXX. Despite this assurance, the account remains on my credit report as unpaid. I filed a dispute on XX/XX/year>, which was denied within XXXX hours. I filed another dispute on XX/XX/XXXX, but it was also denied within XXXX hours. When I contacted XXXX XXXXXXXX XXXX XXXXXXXX, I was informed that the account was deleted from their system, which should have removed it from my credit report. 

Please investigate this matter and confirm the necessary update to reflect the account as paid in full. This update is critical for my mortgage application, and I would greatly appreciate expedited handling of this request.
Product: Money transfer, virtual currency, or money service

From XX/XX/21 till XXXX became a victim of multi-layered scam operation by XXXX, which involved me making deposits for total of XXXX XXXX  from Coinbase account to fraudulent investment firm When I compliant to Coinbase to help me to resolve the issue, they refused and closed my case. 
Please see attached file with more details.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has sent me mail stating In order for them to block information from my credit report that an FTC report ( identity theft ) report must be submitted. I have submitted my FTC report many times to them. Please delete this account immediately.
Product: Debt collection

A few years ago someone used a credit card in my name that I had no knowledge about. Last year I checked my credit and found out that a collection agency was on my report. This debt is not mine!
Product: Checking or savings account

I am a victim of fraud, {$460.00} was withdrawn from my account. Days before, I called Chase because I noticed my debit card had been closed on XX/XX/year> ) which I did not do ) this is something they had not considered in investigation, there was already fraudulent activity happening. they charged my account twice for a replacement fee. I only need XXXX card. They have not returned the second fee. Chase bank only noted, the person who took out my funds had my pin. Chase did not contact the bank or look at video footage. ( XX/XX/year> ) how did I take out the money if it takes XXXX business days for me to receive the card in the mail?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed some items listed on my credit file several times with no outcome of corrections. Nothing is being done. I need some help, as you know my state was impacted by Irma and we are trying to get our lives back in order. 

The issue is my mortgage states past due on my credit file which is NOT and hasn't been updated since XX/XX/2017. My credit will never get better unless some action is taken. The account was in affected area of the national disaster.
Product: Credit reporting or other personal consumer reports

XXXX  has reported that, The account XXXX XXXX ( XXXX ) in the amount of {$XXXX} is in XXXX XXXX which is not. The true status of this account is in Collection/Charge off. I'm still receiving calls from XXXX XXXX asking to either pay a XXXX time deal fee or make a payment plan on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ran my credit report via XXXX XXXX on XX/XX/XXXX. On Transunion report there was a hard inquiry from XXXX which apparently occurred on XX/XX/XXXX .I called the phone number listed on the inquiry and spoke to a rep which ran my social and said there was no inquiry made they had no information pertaining to me. I then called Transunion and was told they could only remove the information from my report if I submit a deletion letter from the company who made the inquiry I told them XXXX said they have no info on the inquiry in question then was told to have them mail me a letter stating they have no information or account with my information. I called back to XXXX   and was told since there is no information they can not send me anything in regards to the inquiry however the rep I spoke with said she can guarantee there is no account and no inquiry with my information I said well if you guarantee it I will be needing a letter stating that so I can remove this from my credit report. I was told again no letter can be giving being there is no account info or inquiry on file. All I want is for this inquiry to be removed from my credit report.
Product: Debt collection

1. This collector has repeatedly and falsely reported the alleged debt as new. 

2. This collector has rejected my efforts to resolve the debt in accordance with the law. 

( These options were not listed in the drop down menu. )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Subject : Demand for Correction of Credit Report Inaccuracies and Compensation per Violation Any per XXXX as a federally protected consumer. I am now opting out of any and all authorization. I, the consumer XXXX have given you written & unwritten, verbal & non verbal per 15 U.S. Code 1602. 15 U.S.

Code 6802, 15 U.S. Code 6804 15 U.S. Code 6805. 16 CFR 313 16 CFR 433.2 I am writing to bring to your attention the inaccuracies present in my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, including 15 U.S.

Code 1602, 6802, 6804, 6805, 16 CFR 313, 433.2, and the Privacy Act of 1974.

Upon my review of the credit report, I have identified These errors impact my federally protected consumer rights, as outlined in the aforementioned legal codes. 

ONLY : XXXXXXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) - Inquiries - personal name reported as inaccurate per - personal date of birth - current address - previous address ( non mailable ) - employer - payment status - late payment - opened - reported - remarks - condition - original balance - last payment - status - creditor information - condition - loan term I hereby demand the immediate correction of these inaccuracies in accordance with the FCRA. 
Additionally, I am invoking my right to request {$1000.00} compensation per violation, for each and every reporting date associated with the discrepancies identified. 
IMPORTANT : I DO NOT WANT THE OUTCOME OF THIS LETTER TO HURT MY SCORE. 
I expect a prompt and thorough investigation into this matter, and I anticipate that the necessary corrections will be made without delay. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit card or prepaid card

second time writing in. first " Resolution '' was garbage. i am done with this company unless an until this is handled right. i been here 25 years no cards being used til this is resolved right. it has not been. they say they stand behind you nothing is further from the truth. i bought tickets to a show XXXX  XXXX XXXX due to a security issue i missed the entire show. not my problem. i keep callling aAm ex who says they back you up and they keep telling me they should be able to help me at least get a credit from XXXX and it keeps as a matter of bureacracy getting closed. they keep submitting thei refund policy which in this case resolves nothing. It is not my fault i missed the show and there can be no proof from XXXX that there was not a security issue at the theater there was. This falls way short of what Am ex promises they have lost my business. this is not right. i want at moinimum a credit from XXXX and to be backed by Am ex who promises this in their marketing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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.In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please 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 and pursue legal action. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and request the immediate deletion and blocking of the following accounts from my credit report. This request is being made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which grant me the right to request the removal of fraudulent or unauthorized information resulting from a data breach. 
The following accounts have been compromised due to the data breach, and I respectfully request that they be blocked and deleted from my credit report : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$170.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my XXXX credit report and I am shocked to find fraudulent accounts on my credit report. I am a victim of identity theft and I am requesting for XXXX to block and remove these fraudulent accounts within four day under FCRA 605B. I did not benefit from any of these goods or services. I have filed a police report with XXXX Police Department. I have attached my police report to this correspondence along with my FTC report. 

I also never had any credit card with Capital One Bank and XXXX XXXX XXXX. Please block and remove these fraudulent accounts immediately. Please refer to my police report for the fraudulent accounts.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I applied for a loan with credit Ninja the money was sent to my old bank account not my new one and it was rejected by my bank XXXXXXXX XXXX I called credit ninja the next Monday and was told it would take 3 to 5 days. It is now XX/XX/XXXX and it's been 11 days they have no idea where it is I gave them the trace number from XXXX XXXX  and they told me I had to send them a copy of my bank statement showing I didn't receive it they keep telling me they'll call me back they never do I've called him every day since XX/XX/XXXX and no one ever calls me back they keep telling me oh it's going to be a few more days but they never help. The loan acct number is XXXX
Product: Mortgage

Back in XX/XX/XXXX when I submitted my Intent to Proceed on submitting a mortgage application to Union Bank, it was made only after seeing the Union Bank Mortgage XXXX XXXX flyer online that advertises a top Rate Discount of the 0.50 % for combined balances over $ XXXX. ( It was only since this advertised rate discount matches what I was and am still being offered by XXXX XXXX, that I decided to pay the application fee and submit an Intent to Proceed to Union Bank. As I had already submitted an Intent to Proceed to XXXX XXXX. ) In fact, this Union Bank advertisement is still posted on Union Bank 's website today, XX/XX/XXXX, https : XXXX is the first, top search result if you XXXX " union bank relationship discount ''. Given that thisflyer advertisement is still posted on Union Bank 's website today, and is without an expiration date and is freely open and accessible to the general public, I'd ask Union Bank to reconsider and honor this posted Rate Discount for my home mortgage loan, including the maximum Rate Discount of 0.50 % for transferring $ XXXX to Union Bank XXXX and all subsequent pricing tiers listed on the flyer ). I've instead been informed that these discount pricing rates expired in XXXXXXXX XXXX  XXXX, as Union Bank 's current Relationship Pricing rate discounts range from 0.125 % to 0.25 % less than the current online advertised flyer.
Product: Money transfer, virtual currency, or money service

Paypal closed my account for no reason, i didn't do anything and they closed my account, Im contacted them and they will not get me getting back. I think this a mistake My paypal account is XXXX XXXX
Product: Mortgage

Email sent to M & T Bank Hello, Ive pulled my mortgage history from my dashboard on your website. Please review. EACH manual payment accounted for in my history on my M & T Bank portal was recorded as paid and received. 

Attached to this email you have the following proof : Statement in excel form from M & T Bank My bank statements that show POSTED payment dates Photocopies of the confirmations of payments received by M & T Each payment made aligns with the confirmation emails provided by M & T, the history report from M & T, and my bank 's account of the posted payments for my mortgage account. 

Actions taken from XXXX XXXX today : I have sent over 30 emails with proof and request of resolution since XXXX of 2024 I have called and spoken to countless representative for no less than 1 hr for each call I have had my own banking ( XXXX ) representative on the phone with myself and an M & T representative to review every single posted payment through XXXX of 2024. 
Additional entities provided the attachments and emails : Office of Financial Regulation of MD Federal Reserve Board CFBP  M & T continues to report me one month behind since XX/XX/year>. I am requesting now as I have been for four months : Report me current via my mortgage payments Correct EACH negative reporting to the Credit Bureau, beginning in the month of XXXX XXXX XXXX Loan Number XXXX XXXX XXXX XXXX XXXX XXXX  MD
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX with a balance of {$2700.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to provide additional information and request further action regarding my open complaint ( XXXX ) against XXXX for inaccurately reporting bankruptcies on my credit report. Despite the complaint currently being marked as open, XXXX has recently sent me another letter claiming the disputed bankruptcy information has been verified, but they failed to provide any legitimate method of verification. 

Background : XXXX. Disputed Information : XXXX is reporting bankruptcy records on my credit report that do not belong to me. 
The court associated with these records has confirmed that they do not report information to credit bureaus. 
XXXX. My Actions : I contacted the court directly, and they explicitly stated they have no record of reporting this information to XXXX. 
I submitted a complaint through the CFPB, yet XXXX continues to send letters claiming the bankruptcies are verified without providing evidence of how they verified the information. 
XXXX. XXXX Noncompliance : XXXX has not updated the complaint status with the CFPB to reflect the results of their recent investigation. 
They have failed to provide a legitimate explanation for how the bankruptcy information was verified ( Ive actually called and spoke with the courts clerks directly ). 

Violations of the Fair Credit Reporting Act ( FCRA ) : Failure to Conduct a Proper Investigation : XXXX has not sufficiently investigated my dispute. 
Failure to Provide Verification : XXXX has not provided evidence of the verification process or the source of the disputed information. 
Reckless Reporting : By continuing to report inaccurate information, XXXX is in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requesting Original Instrument of Indebtedness/original contract
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate address on my credit report. Despite prior disputes, these incorrect address remain listed : This incorrect address do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct address, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payments reported on my credit report for the account with [ XXXXXXXX XXXX XXXX. 
update my credit According to the law 15 USC 1666b ( a ), a creditor may not treat a payment as late unless they have adopted reasonable procedures to ensure that each periodic statement is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have never received the periodic statement along with the disclosures required by section 1637 ( b ) of the Consumer Credit Protection Act from [ XXXX XXXX  ]. Despite requesting proof that this information was sent to me at least 21 days before the payment due date, [ XXXXXXXX XXXX  ] failed to provide such evidence. 
As per Rule 1002, I have requested this information in good faith and it is the responsibility of the creditor to provide evidence of compliance with the law. Since ( XXXX XXXX ) has failed to provide this evidence, I kindly request that the late payments be removed from my credit report. 
I would appreciate it if you could investigate this matter and report accordingly. 
Thank you for your attention to this matter.
Product: Debt collection

I received a letter from XXXX XXXX XXXX  dated XX/XX/year> stating that I owe for XXXX items. XXXX is {$55.00} and the other is {$19.00} from XXXX XXXX XXXX. I have not purchased items for these amounts on XXXX. They are adding in a {$25.00} fee to both of these. I contacted XXXX customer service today and they confirmed that I dont have any unpaid items with them. How can I got XXXX to clear this false debt?
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX, XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that was reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need this account deleted or updated. 
This the item I demanding to be deleted immediately
Product: Payday loan, title loan, or personal loan

We refinanced with Citizens Bank our existing equity loan with XXXX to have it paid off on XX/XX/XXXX. This payoff to our existing account with XXXX was to be be paid on XX/XX/XXXX as shown on their loan documents ( copy attached ). 
To date we have contacted Citizens more than 10 times beginning XX/XX/XXXX to no avail that the loan is still outstanding. Citizens has provided nothing but lip service from our inquiries with no resolution that the loan is paid off. They have refused to contact XXXX, even giving written authority, to attempt to remedy the issue. 
Currently I still have the loan with XXXX which I must pay while waiting for Citizens to remedy the issue. Meanwhile Citizens really has not shown any effort to remedy their mistake. 
We respectfully request Citizens be sanctioned and penalized for their their negligence in failing to payoff our loan timely.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to report incorrect balance and late status. 
They have not effectively addressed the problem
Product: Credit reporting or other personal consumer reports

XXXX account is inaccurately reported across all three credit bureaus.
Product: Consumer Loan

Lending club charges if you try and use a paper check. They only allow ach for free. 

after further research, their usuary limits exceed what massachusett law allows. I was under the understanding this was a legal loan interest, but have recently found out it is not. Recent courts have determined they need to abide by the state usuary law despite where they conduct their business