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 {$0.00}, {$0.00}, {$530.00}, {$410.00}, {$630.00}.

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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$530.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$410.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$630.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Reporting off false information to my credit report is a violation of my rights under 623 of the fair credit act You are reporting information that I did not approve are apply for
Product: Debt collection

I received several calls from an XXXX about a car that my husband financed through Mercedes Benz Financial. I was told that the car was under the corporate name of XXXX XXXX - a business my husband & I used to own together. I advised that I was unaware of the debt and that I would contact my husband in reference to the said debt. I did. I spoke to representatives on two more occasions telling them that my husband expressed that he would like to keep the vehicle and pay the back owed monies. I was told that this was not possible. I later discovered through conversations with my husband that this vehicle was not finance through the business at all. Please note : I did not finance this vehicle at any time and did not sign any agreements with Mercedes Benz Financial. I was given financial information on what was owed on this XXXX XXXX, however I am not the owner of this vehicle, nor the borrower, nor a co-signer. 

On XX/XX/XXXX my husband came home and told me that the Co-Assistant Scout Master of our local Boy Scout Troop ( of which we are both leaders ) told him and handed him an email from XXXX XXXX of XXXX XXXX. This email went out to our entire troop and reads : FILE # XXXX / XXXX XXXX / XXXX XXXX XXXX My name is XXXX. I'm with XXXX  XXXX. I'm contacting you on behalf of Mercedes Benz Financial, requesting location information for a XXXX XXXX XXXX, and/or XXXX XXXX / XXXX XXXX XXXX. 

If you have retained an attorney to handle this matter, please provide their contact information. You can reach me at XXXX. You can reach Mercedes Benz Financial at XXXX. Please reference your file number upon contact. 



-- Thank you, XXXX XXXX XXXX XXXX  XXXX I should NOT have been included in the attempt to collect this debt and be named in connection to this debt. In addition I believe my privacy rights were violated by this debt collector and is slanderous & liable - as it is implied that I have an outstanding debt with Mercedes Benz Financial, and I DO NOT and NEVER did!
Product: Checking or savings account

On I was using citibank bill pay to pay my property taxes. I initiated a check for {$430.00} dollars XXXX times because there was a glitch/lag issue with the bill pay application. There was no indication i had created XXXX identical checks. I had no idea i created these XXXX checks until after they were all sent and posted in my checking account. I immediately called Citibank custoner service on XX/XX/year>, to try to get them to put stop payments on XXXX of the XXXX checks but the customer service people said i had to wait 10 days before they could put a stop payment on these checks. I continued calling and talking to different customer setvice representatives trying to get them to put a stop paymrnt now not wait but was fruitless. Finally i called spcifically the stop payment department and they were supposedly putting stop paymrnts on XXXX of the XXXX checks and i was suppose to see the money back in my account by wednesday the XXXX of XXXX, XXXX. Today is XXXX XXXX, XXXX  and the checks still didnt indicate the stop payment was done and my money was back in my account. So i called again today and the custoner service rep was able to show XXXX of the XXXX pending credited but said he had to reinitiate the other XXXX checks and i would see them back in my account by the XXXX of XXXX. Which basically goes back to their inability to address this duplicate check issue in a timely manner and locking my money in limbo for at the very least for 10 days. There is no conceivable excuse they can not put stop payments on these checks, they are bank generated paper checks not electronic checks. I contacted the payee, my county property tax assessor and told them the problem and so they are aware of the XXXX duplicate transactions. They indicated they would just send me back the duplicate checks. 
Never the less this policy is completely ridiculous that they can not address an error in their web application that created this issue to begin with. I was able to find a link under their transfer/bill pay section to show what bill pay transactions are created and pending after the fact. Its not obvious or easy to find or does it even indicate you have pending bill pay checks/transactions in the checking account interterface. This should not be how a bank treats its customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the Fair Credit Reporting act XXXX XXXX XXXX Credit Card account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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
Product: Credit reporting or other personal consumer reports

I am asking that all listed accounts and inquiries be noted as not mine and listed in error on my credit reports. Inquiries : addresses that are not mine XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone Numbers that are not mine : ( XXXX ) XXXX, ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX and ( XXXX ) XXXX Remove Employers info : XXXX Date Verified XX/XX/year> Remove Account Review Inquiries Remove Inquiry Analysis
Product: Credit reporting or other personal consumer reports

I updated my information ( name and address ) with XXXX and XXXX and requested that the inaccurate information be taken off my credit report which they were able to update that information for me. I requested the same with Experian but instead of updating my name and address the inaccuracies are still being shown after they have conducted their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is in reference to the non-response by experian to complaint # XXXX CFPB complaint XXXX. 

experian has refused to remove fraudulent reporting. in the latest complaint ( XXXX ) responded with a diatribe of irrelevant noise that they copied-pasted from their own website THAT DOES NOT ADDRESS THE PROBLEM - FRAUDULENT USE OF CREDIT CARD BY SOMEONE ELSE ... that i have now provided proof to exprian 11 times.
Product: Credit reporting or other personal consumer reports

I have been a victim of fraud and identity theft for some time now on the XXXX web, At this time I was alerted by transunion. I dont understand why this issue was not alerted to me sooner. I am not happy with any of the theee bureaus at this time, by law I am not entitled to pay any discrepancies with any hard or soft inquiries or any new credit are openings or charges. I have taken action to freeze my credit account at this time. I need this taken care of and removed from my credit immediately, or I have no choice but to take further actions Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA VIOLATION ID THEFT INACCURATE INFORMATION NOT MINE EQUIFAX SECURITY BREACH
Product: Credit card

Canceled a service due to false and inconsistent availability of service. Communicated this cancellation to credit card company prior to canceling so I will not incur the monthly charge. Credit Card Company decided four months later to honor their cancellation fee when I had established that the merchant had no right to charge my card. Credit Card company gathered information from the merchant and decided they would honor their request. Credit Card company advised me they received information and after thoroughly reviewing the case they could not assist me. Upon reading their case, I found the merchant has provided them with a credit card agreement form with a invalid date of signature. Meaning, the merchant provided them a false document. The merchant provided them an agreement form of 2013 when services were not rendered nor established an entire year subsequent to this. Clearly, the merchant has gone through many obstacles to get paid ; even providing false documentation. When I advised the credit card company, they stated they will not get involved ... .although they did because they acting as a third party and granted a payment without my authorization.
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 violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Original Creditor 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. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had the account with Equifax since XX/XX/XXXX after placing a Fraud and Freeze alert on the my account. I had my identity stolen. 
As I had done with the other reporting agencies ( XXXX  and XXXX ) Ever since Equifax had the breach in XXXX I have not been able to access my online account. I have spoken with them several times over the past 3 years and they were suppose to have resolved whatever the problem was or is. Today, the same thing happened after speaking with their customer service agent. Same conversation, same resolution ( none ). On XX/XX/XXXX I spoke with them, they was suppose to escalate the issue to their supervisor to correct the error ( which they couldn't tell me the error ). So to date, that obviously wasn't done. No other credit reporting is having this problem with my access.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX XXXX XXXX contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX XXXX XXXX Account NumberXXXX
Product: Money transfer, virtual currency, or money service

Today, XX/XX/2022, I accidentally clicked " Create an Account '' instead of " Continue as a Guest '' while trying to make a purchase off of XXXX from a vendor who only accepts Paypal. Because there was no confirmation modal, I immediately got an email asking me to set up a password. I tried to see if there was a way I could close the account without setting one up, but made no headway. I then set up a password, and tried to close the account but was blocked and told I needed to contact customer service. Because this issue arose outside of their business hours, I tried their chat bot, which informed me that my account was limited, and that to close it, I would need to undo the limits by confirming a credit card and by uploading a photo ID. I do not want to give this company any more of my information, and I do not want to have to waste any more time jumping through their hoops.
Product: Credit card or prepaid card

I use XXXX. When i logged in few days back - it showed me " very good chance of approval '' for American Express card with zero annual limit and {$150.00} cash back once i made a purchase {$1000.00} within 90 days. 
I clicked on that link and started the application process. Got approved and then after few minutes i realized that it was not the same card that was advertised to me but something else ... this one had {$95.00} annual fees and {$200.00} as cash back once i made a purchase {$1000.00} within 90 days. 
What the heck it is? 

I do understand that american express is going thru a lot of losses ( after XXXX  parted away and other important partners ) but never thought that they are so unethical that they will advertize something and do something else. How come they changed the offer on the fly? I did n't changed the browser, i had no bad cookies issues and no other issues on my computer .... 
How come Amex will be so unethical and immoral and start deceiving the customers?? 

In fact my 3 recent credit card applications during last 15 days has been rejected - i have no idea why amex is having no standards and they are still approving credit card applications for the folks who are getting rejected else where?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX XXXX that I disputed due to incorrect reporting. Since the dispute XXXX has proved my calculations to be incorrect. I since then accepted their response and am no longer disagreeing with their reporting and am no longer disputing their response. 

I am not in dispute with XXXX XXXX
Product: Payday loan, title loan, or personal loan

I did some research on why this company has never offered billing statement sent in the mail and they have told me they dont do mailings in the post office because they are a paperless company. This is what I have sent them and they still denied that they will send me a billing statement in the mail. I was reading one of your rules online about the Consumer Financial Protection Bureau ( CFPB ) issued a rule that a mortgage creditor or servicer ( the company you make your payments to ) must send periodic billing statements to the borrower. This is called the periodic statement rule, and it went into effect XX/XX/XXXX, XXXX they are rule breakers and have denied my request to send me a statements in the mail. If they are a lender then they must honor the rules to be a lender.. 

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

I have been trying to correct my incorrect credit score with EXPERIAN and XXXX since XX/XX/2020. I have sent 2 certified letters, made countless phone calls taking hours, and did not achie ve a correction. I also hired an attorney, who also could not achieve a correction. Here is the issue ; I have 3 s core factors " helping '' and 2 score factors " hurting '' my credit score on BOTH EXPERIAN AND XXXX On XXXX, I have 4 score factors " helping '' and 0 score factors " hurting. '' THIS NOTATION IN XXXX IS CORRECT. NOW : when I reach out to XXXX AND EXPERIAN to   rectify this wrong, all they keep doing is send me my credit report, and claim that it is correct as it stands. THE ISSUE IS, I AGREE THE CREDIT REPORT IS CORRECT AS IT STANDS. BUT, THE 2 FACTORS HURTING MY SCORE ARE " SERIOUS DELINQUENCY OR DEROGATORY INDICATOR '' AND " FEW ACCOUNTS IN GOOD STANDING. '' SO WHEN I GO TO MY REPORT TO FIND A DELINQUENCY OR DEROGATORY INDICATOR, THERE ARE NONE AT ALL! THIS IS WHY I AGREE WITH THEIR FINDINGS, MY REPORT HAS ABSOLUTELY NO DELINQUENCY AND NO DEROGATORY MARKER AND ALL MY ACCOUNTS ARE IN GOOD STANDING. BOTH EXPERIAN 'S AND XXXX XXXX  CREDIT REPORTS REFLECT THIS ACCURATELY, BUT WHEN I LOG IN TO MY PAGE, THEY ARE STILL NOTING " 2 SCORE FACTORS THAT ARE HURTING MY SCORE. '' YET, THEY CAN NOT PROVE THIS ANYWHERE. HENCE, MY EXPERIAN CREDIT SCORE IS XXXX, AND XXXX IS XXXX. For reference, XXXX which got it ALL CORRECT awards me with a score of XXXX. I feel my scores from EXPERIAN at XXXX and XXXX at XXXX ARE INCORRECT. I NEED MY SCORES CORRECTED AND MY 2 " HURTING '' SCORE FACTORS REMOVED, AS THEY DO NOT EXIST. Again, my credit report is CORRECT from all 3 credit bureaus, but EXPERIAN 's and XXXX XXXX score factors and scores are INCORRECT, as they do not reflect EXCELLENT CREDIT HISTORY EVEN THOUGH MY CREDIT REPORTS ACCURATELY REFLECT EXCELLENT CREDIT HISTORY. 

Please forgive my accentuation with the caps. I have gone through months and countless hours trying to get through to someone, and no one gets it on the end of the credit bureau. THIS IS AFFECTING MY LIFE in getting car loans and applying for a pre-approval for a mortgage to potentially purchase a home. It is not right when my score is incorrectly reflecting poorly on my EXCELLENT HISTORY. 

Thank you endlessly for any and all consideration.
Product: Mortgage

If I pay my mortgage early in the month say on the XXXX of the month, rather than say the XXXX, I should get a little bit extra in capital reduction because for 24 days the principal is lower. It does not happen that way ; I pay interest as if the higher principal existed for the full month. It is only a few dollars per month but it will add up over years. This is especially true if I pay a little extra towards reduction of the principal.
Product: Debt collection

I found out that National Credit Systems has been affecting my credit score from XXXX to present, giving me XXXX negative marks on my credit report. I have no idea how much the debt is or what it is for, but they have not sent any letters and I have no way of paying the debt, as I dont have info from any letter to make an account.
Product: Credit reporting or other personal consumer reports

In accordance with THE Fair Credit Reporting act Convergent Account XXXX XXXX XXXX XXXX Acct # XXXX #, has violated my rights. 

15 U.S.C 1681section 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.
Product: Student loan

My loans were transferred from XXXX to Mohela in XXXX. Since that time, I've had nothing but issues. I was on a rate reduction program that expired in XXXX. I called in to reapply for the next 6 month term, and had everything set up. Unfortunately, the person I spoke to, scheduled the new payment of {$430.00} to start on XX/XX/XXXX, instead of correctly starting it on XX/XX/XXXX. I caught it in time, when Mohela emailed me what my upcoming payment amount was for, and had them cancel the payment of {$430.00}. This caused an issue with my rate reduction program, so I had to reapply for the rate reduction, and it raised my payment to {$440.00}, starting on XX/XX/XXXX. Even though I'd agreed to all the paperwork, and scheduled the payment, my account never showed the payment change to {$440.00} and it just says that a rate reduction application is pending, and I'm not sure the issue as they can't give me an answer. I received an email from Mohela about my upcoming payment on XX/XX/XXXX, and it was listed as being {$1200.00}. I did the math, and it appeared that they now had 3 payments scheduled to come out on that day ( {$410.00}, {$430.00}, and the correct {$440.00} ). I called to speak with an agent, who said that she saw an additional payment of {$430.00}, but not one for {$410.00}. I accepted her answer, but for clarity, chatted with another agent the next day, who said the same thing. I asked that if there was an issue, and I was charged an extra payment, would they be able to reverse that payment and refund me. I was told that they would be able to. Well, today, XX/XX/year>, my bank account was hit with 2 payments from Mohela. 1 for {$440.00} and another for {$410.00}. Not only that, my account lists that I am past due on a payment due to the fact that they've never finalized my application and adjusted my payment. I've reached out to Mohela to get this corrected, and will be filing a dispute with my bank on the errant transaction. I've done everything in my power to get this corrected, and keep my account current, as it was with XXXX  before it was transferred, but I'm not sure if I'm dealing with negligence or incompetence and would like help in getting this resolved.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute several inaccurate entries on my credit report. Upon reviewing my credit report, I have identified the following inaccuracies and would like to have them investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which mandates the investigation of disputed information within 30 days.

13. Account Validation Request - Creditor Name : XXXXXXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX Requested Action : Delete account. 


XXXX XXXX XXXX  Request for Investigation and Removal : Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ), I am requesting a thorough investigation into these items and their prompt removal if they can not be validated or corrected. Please ensure that all errors are corrected and that any unverifiable information is deleted from my credit report.

Additionally, in accordance with 15 U.S.C. 1681i ( a ) ( 6 ), I request that you provide me with an updated copy of my credit report reflecting any corrections or deletions made. There should be no fee associated with this updated report.

Please ensure that any relevant parties who have received my credit report within the past six months are notified of these corrections, as stipulated in 15 U.S.C. 1681i ( a ) ( 5 ).

I look forward to your prompt response to resolve these inaccuracies. Should you require any additional information to complete this process, do not hesitate to contact me. 

Thank you for your attention to this matter. I expect a resolution within the required XXXX period as mandated by the FCRA.