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

I hope this email finds you well. I am writing to request the removal of certain credit collections from my credit report.
Product: Debt collection

Debt being reported as an open collection despite the fact the debt was included in bankruptcy. Company was notified XXXX XXXX, 2014 of this fact and was provided case number an copy of filing which included this debt in the bankruptcy proceedings.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX. 
To Whom it my Concern. 
At XXXX XXXX XXXX  XXXX XXXX XXXX with residency at XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Driver license XXXX XXXX XXXX XXXX XXXX Florida State. 
To be on my situation is necessary to count with your valuable help in order to communicate the mortgage company as soon as possible in regard the negligence they been acting in my reputation and negative report on my credit. 
My mortgage payment was in default since XX/XX/XXXX, at that time I was assigned to be working outside the country.The mortgage was sold to XXXX XXXX and the Automated payment was not transferred to them, and I was not aware of it until they send a sherif notice and my neighbor communicated with me.As soon as I knew it I came to the country and I paid all late payments and fees that the new mortgaged company requested me, and not matter that they reported me and after many requested from me through a good will letter to them to deleted it, it had not been posible. 
What happened in this case my old mortgage company XXXX XXXX, XXXX obligation # XXXX sold this loan to BSI Financial Services without transferred the Automated payment that it was previously settled with them so it was to confused, till BSI started legal action in this regard. 
On my side I took the corrected action contacting BSI, at the same time with their Law Firm in order to put my loan currently, paying legal fees and interest due to the late payments. 
Now BSI sold my loan again, XXXX XXXX loan # XXXX at this time I was notified with time to comply with this obligation. My loan at this time is agehad on payments till this coming XXXX. 
BSI Financial Services has been so neglected in regard with negative report to a different credit report agencies, in my many calls I been requested to take out this negative action on my credit report, but up to this date the negative report still. 
Please help me out in this matter, the problem still going on, I need help my sister with my good credit in order to get a loan to buy her house for your help and understanding in this matter I express my thanks. 
Please request BSI Financial Services to send a physical report saying my name is free and clear for any negative report or obligations with that institution.But it needs to be deleted from my report because if not I can not to do any finantial negotiation. 

XXXX XXXX XXXX Electronically signed
Product: Debt collection

Repeated phone calls at my place of employment to collect a debt that was already paid. When transferred to voicemail they do not leave a message and will just call back until I eventually take their call. 
Bushwood Captial Group First it was XXXX. Now it is someone named XXXX ( XXXX ). 
The debt was already paid to the original creditor - XXXX XXXX XXXX {$190.00} However, they still continue to call and harass me at my place of employment. 
This time XXXX said they are taking legal action to sue me. 
I have already supplied them with the receipt of the original creditor XXXX   XXXX XXXX.
Product: Vehicle loan or lease

XX/XX/XXXX - Car loan w/Chase Bank Beginning balance {$29000.00} / {$530.00} mo. / 60 mos / 3.49 % int rate. 
First pmt due XX/XX/XXXX. Established automatic pmt of {$600.00} through XXXX  starting XX/XX/XXXX. 
Interest discrepancy noticed from XX/XX/XXXX payment. Called Chase Bank in XXXX ( do not know exact date ) and was informed that the XX/XX/XXXX payment was paid on XX/XX/XXXX and the next payment wasnt received until XX/XX/XXXX, so, this caused an increase in accrued interest. I was not satisfied with the answer so consulted with the person who processed our contract at the dealership. He explained that wasnt uncommon, but I could avoid extra interest by setting up a bi-monthly payment plan. I started automatic bi-monthly payments of {$350.00} thru XXXX starting XX/XX/XXXX XXXX payments on the XXXX and XXXX of each month ). Next discrepancy noticed on XX/XX/XXXX when a total of {$110.00} interest was taken between XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX payment paid early because of holiday ). My husband and I both talked to customer service on XX/XX/XXXX and were told extra interest was not taken from the account. Explanation not to our satisfaction. All payments submitted on time with additional principal. Why is interest increasing on a declining balance? Total pmts from XX/XX/XXXX - XX/XX/XXXX is {$3800.00} / interest {$490.00} with a balance of {$25000.00}. The estimated difference is approximately {$50.00}, give or take, but to see a discrepancy so early in the payment process is alarming. Is additional principal applied to interest?
Product: Mortgage

Nationstar mortgage overcharged me in my payoff of my loan. They gave XXXX payoff amount, which was paid to them, and then they said that I owed more money, and gave me a new payoff amount. I had to pay interest for the difference, which amounted to {$580.00}, which I was overcharged. Nationstar assumed my mortgage one month before I sold the house, and when I called them to ask if they were going to do an autopayment, they said no, to send the mortgage check, which I did. They then XXXX cashed my check and extracted an autopayment for the same month, within days of each other, which resulted in a double payment for the month and overdraft fees in my bank account. When speaking with XXXX XXXX at XXXX x XXXX, he agreed that I had been overcharged, but since then has not returned any of my calls. Nationstar was completely at fault giving me a wrong payoff amount, and I should be reimbursed the {$580.00} I was wrongfully charged in interest.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items 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. 
XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX  XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The last week of XX/XX/2018, XXXX student loan holders were paid in full on two accounts. One account was paid {$23000.00} and the other account $ XXXX  XXXX effectively paying both accounts off. XXXX has stated they reported these payments to all three credit bureaus, however, Transunion has refused to remove it. 

I have spoken to Transunion over 6 times and provided proof these accounts were paid in full, however, they have refused to adequately report on these XXXX  student loan accounts. 

I am a recent widow and have a child. I applied for a loan and was denied because of Transunion not adequately reporting on these student loans. 

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

Experian is reporting a XXXX account that was closed in XXXX as a Charge Off. I sent them the letter from creditor stating that my acct was closed in XXXX and the monthly payment due and made. After more then 30 days from dispute to correct they didnt update the correct acct status or payments made and are still reporting it incorrectly.
Product: Credit reporting or other personal consumer reports

Back in XX/XX/year> we had issues with fees being charged And also, they are reporting my XXXX and XXXX cards both as closed on my credit report Ive been dealing with XXXX from the XXXX office and she is extremely rude! They are charging me double the fees and they are charging my husband and I have half the credit line! My XXXX XXXX is better than his too XXXX told me that she thinks Im impersonating my husband because hes been sending in XXXX as well as me He works XXXX AM to sometimes until XXXX PM. And she doesnt answer her phone anyway! Ive called numerous times and left messages and she never calls back!! She keeps telling us to just call the number on the back of the card and that never works! They also want to increase the fees again For the second time in XXXX months!! Why should I pay all these fees if they wont report my accounts as accurate and it takes over XXXX months to try and get somebody to help?
Product: Credit reporting or other personal consumer reports

Urgent : Disputed Inquiries on Credit Report - Request for Validation Dear TransUnion and Consumer Financial Protection Bureau ( CFPB ), I am writing to express my dissatisfaction with the handling of my recent credit file dispute by TransUnion and to bring to your attention unauthorized inquiries on my credit report. 

I have recently submitted a dispute regarding inquiries on my credit file with TransUnion. The inquiries in question, listed below, were not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry Type : XXXX - XXXX Info : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - Contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Inquiry Type : XXXX - XXXX Info : XXXX XXXX XXXX XXXX XXXX XXXX - Contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry Type : XXXX XXXX XXXX Info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - Inquiry Type : XXXX - XXXX Info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - Inquiry Type : XXXX - XXXX Info : XXXX XXXX XXXX XXXX XXXX XXXX - Contact : XXXX XXXX XXXX XXXX I want to emphasize that I did not authorize these credit companies to pull my credit, and these inquiries are inaccurate and damaging to my credit profile. As per the Fair Credit Reporting Act ( FCRA ), I kindly request that TransUnion promptly validates these inquiries and takes the necessary steps to remove them from my credit file. 

The FCRA, under Section 611 ( a ) ( 2 ), states that inaccurate and unverified information must be corrected or deleted from a consumer 's file. Given this, I expect TransUnion to adhere to the law and ensure the accuracy of my credit report. 

I kindly request the CFPB 's intervention in this matter to ensure fair and accurate reporting. Your assistance in resolving this dispute and validating the unauthorized inquiries is highly appreciated. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Place of birth : XXXX  SSN : XXXX
Product: Prepaid card

XXXX - Received card late XXXX? 
XX/XX/XXXX - I have tried to activate my XXXXXXXX XXXX XXXX XXXXXXXX XXXX for the first time. I was unable to. I contacted customer service and verified my identity. I was told the debit card was flagged as suspicious We discovered someone else had already activated the card before me and made unauthorized transactions for the entire {$1300.00} balance in the debit card. I was never notified about the card being activated nor received any notifications about the unauthorized transactions. They opened a customer dispute claim on the same day. 
XX/XX/XXXX - I received the customer dispute claim forms in the mail XX/XX/XXXX - I sent in the customer dispute claim forms to XXXX XXXX XXXXXXXX XXXX through email at XXXX XX/XX/XXXX - I call in the confirm with the Money Network Customer Service for XXXX debit card to check if they have received my customer dispute claim. They said that the claim they opened for me was rejected XX/XX/XXXX and now I need to go through an appeal process that takes XXXX days. The reason why was because of " due to failure to report the transaction errors timely ''. They rejected my claim before I had a chance to submit my customer dispute claim with the evidence and they never notified me about the unauthorized activation and transaction of my XXXX debit card. 
XX/XX/XXXX - Filled out an appeal claim for the initial denial and sent through email XX/XX/XXXX - Filled out first CFPB complain about XXXX XXXX dispute process XX/XX/XXXX - Called to confirm appeal, customer rep XXXX, says appeal was not received through email XX/XX/XXXX - Faxed the appeal again XX/XX/XXXX - Received Response to CFPB claim from XXXX XXXX with inconsistent evidence and lackluster response from XXXX XXXX XXXXXX/XX/XXXX - Called to check on appeal progress and obtain written proof how the identity thief activated my account and bypassed verification, XXXX XXXX  was unable to provide. Was able to obtain a verbal confirmation from Wilmarie of the fraudulent card activities listed below - XX/XX/XXXX : Activation of card by unauthorized user - XX/XX/XXXX : First transaction of XXXX to a bank account but rejected, returned to card - XX/XX/XXXX : Card locked through the website - XX/XX/XXXX : Card unlocked via mobile app - XX/XX/XXXX : Card locked and unlocked again through website - XX/XX/XXXX : Card locked via website - XX/XX/XXXX : Card removed, locked through website - XX/XX/XXXX : Suspicious flag * Card unlocked by time, unauthorized user still spent money - XX/XX/XXXX : Account set to inactive status - XX/XX/XXXX : Account set to active status again due to first activation from my side
Product: Credit reporting or other personal consumer reports

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

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 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 ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-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.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Colony/Midnight XXXX  XXXX  ( XXXX XXXX XXXX XXXX, WI XXXX ) opened an account in my name for someone who fraudulently obtained my information on XX/XX/2015. Account charged off. {$990.00} written off. {$240.00} past due as of XXXX XXXX was never aware of this company before seeing derogatory information from them in my credit report. I have disputed this multiple times with XXXX  with no results. If this is my account I want to know what was ordered, and where it was shipped as it appears this card is specifically for online shopping stores.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus last XX/XX/2023 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAIN, and I'm including it again XXXX XXXX Balance Owed : {$290.00} ; XXXX XXXX Balance Owed : {$310.00} ; DPT EDXXXX XXXX Balance Owed : {$4200.00} ; DPT EDXXXX XXXX Balance Owed : {$6300.00} ; DPT EDXXXX XXXX Balance Owed : {$3200.00} ; DPT EDXXXX XXXX Balance Owed : {$3500.00} ; DPT EDXXXX XXXX Balance Owed : {$1700.00}.
Product: Credit reporting or other personal consumer reports

In Accordance with the XXXX XXXX XXXX act XXXX  Account # XXXX has violated my rights 15 U.S.C s1681 section 602 A.States I have the rights to privacy 15 U.S.C s1681 section 604 A Section 2 .It Also States a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. Account Name XXXX XXXX XXXX XXXX account number XXXX with balance of {$680.00}, Account Name XXXX XXXX account number XXXX with balance of {$0.00}, Account Name XXXX XXXX  XXXX account number XXXX with balance of {$0.00}, Account Name XXXX XXXX  XXXX account XXXX. Account Name XXXX with balance or {$96.00} Account Name XXXX XXXX XXXX with balance of {$160.00} Account Name XXXX with balance of {$60.00} Account Name XXXX with balance of {$600.00} Account Name XXXX with balance of {$290.00}. has violated my rights. XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.15 U.S.C 1681s- 2 ( A ) (! ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Extreme overdraft fees, unexplained overdraft fees, overdraft fees for covered items
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$690.00} XXXX XXXX XXXX Balance Owed : {$890.00} XXXX XXXX XXXX Balance Owed XXXX {$1200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I was made aware of payments not made by my wife due to illness. It was around {$300.00}. As soon as I found out I contacted XXXX  and told them what had happened and paid the debt in full. The company refused to remove the blemish from my record. I cancelled my card immediately and filed a dispute with XXXX XXXX. They have my debt to income completely wrong and my credit card debt wrong. They refuse to update costing me hundreds of dollars due to a {$200.00} dollar error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful.

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, creditors have violated my right. Under 15 U.S.C section 166B states 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Credit reporting Incorrect information on your report Equifax Credit Bureau XX/XX/2022 Open Company response is in progress as of XX/XX/2022