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

My credit profile has a XXXX XXXX  and XXXX loan with the account number XXXX and was allegedly open on XX/XX/XXXX. 

XXXX XXXX  and XXXX is also a lender on an apartment complex my parents own and I am on the checking/savings account as a signer. In mid XXXX, a title loan was taken out on a XXXX XXXX and I was put on the loan improperly. The lender has a personal vendetta out against me and I can share emails which will be below. My attorney has shown that this account is improperly reporting and they claim default fraudulently and information they have furnished is incorrect. I did pay the loan off in full in return for it to be deleted off my profile but XXXX is a lying sack of XXXX bank. 

Experian has a duty to remove this incorrect account as the lender is claiming to have written off {$32000.00} which is false. The lender was PAID IN FULL and they lost {$0.00}!

According to Cushman v Transunion 1997, Credit Reporting Companies are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account vioaltes these laws : 15 USB 168li, 15 USB 1681s2.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are incorrect, and they are adversely affecting my livelihood XXXX
Product: Credit reporting or other personal consumer reports

I have XXXX mortgages XXXX of these mortgages are for rental homes XXXX is for my personal residence. On or about XX/XX/2023 I received a letter that XXXX of these mortgages would be transferred. These transfers were initiated by the mortgage companies themselves and I had no involvement in the transfer. XXXX of the mortgages were transferred from XXXX to XXXX. Another XXXX were transferred from XXXX to XXXX. These are mostly old mortgages that I have been paying on for the better part of a decade and have a long history of making payments on time. They are still the same mortgages they were not refinanced. Problem is that all the credit reporting agencies closed the accounts ( yes all XXXX of them ) and reported them as being new accounts. Typically this would not be a problem but withem doing XXXX at once it appears that my credit score took a rather large drop. It appears that this is in the range of XXXX to XXXX points. I did open a new credit card and do a balance transfer but I don't think this would drop my score this much. I believe its related to the closure of these accounts. I could see it dropping if I refinanced or didn't pay, however they seem to have dropped my score because of something the banks did. Doesn't seem right. Could you please look into this. Thank you
Product: Debt collection

MERCHANTS AND PROFES Last reported XX/XX/XXXX {$340.00} and XXXX $ XXXX XXXX XXXX XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 1 yrs, 1 mos ) RemarksConsumer disputes this account information Medical Original creditor nameXXXX XXXX XXXX XXXX XXXX Original creditor nameXXXX XXXX XXXX XXXX XXXX XXXX Did not give auth for medical bills to be released to 3rd party do not know who this is have not been to the hospital in XX/XX/XXXX. Violates my HIPAA information. Do not want my medical history sent out to 3rd party people. I have no Idea whos account this. It is not my account I have requested it to be removed from my credit file several occasions and still has not. 
I DO NOT OWE THIS I HAVE REQUESTED FOR IT TO BE REMOVED! 
It is 2 different amounts for same day of service
Product: Mortgage

Please assist. 

This is the 2nd time I have had the undesirable experience with FlagStar as a loan servicer of a home loan I have. Had a similar issue that was a few years ago but there was little recourse to get it resolved properly. I think they purposely scam on fees for extra profit. 

In this particular case FlagStar had suddenly ( I mean suddenly ) became my mortgage servicer from ( actually I forget who had it before, can find out and send ). Anyway they took over my loan with no heads up notification to me. Immediately there was a {$46.00} late payment fee on the account ( not sure where it came from ). I was not going to pay it since it made no sense. There has been a couple of payments and a couple of attempts to get a hold of Flagstar, on hold for hours, never received a call back. Anyway noticed they took money not designated for late payment and applied to the late payment. Need them to reverse this and apply the payment as intended and explain to me why I have a late payment in the 1st place, since I have not been late on my mortgage payment. 

Flagstar Bank, XXXX XXXX XXXX XXXX XXXX XXXXXXXX took over servicing, it looks like XX/XX/2022. 

Account details ; Loan Number ends in 99 partial address of home with this loan ; XXXX XXXX XXXX Late Fee that was applied out of payment that was not authorized to do so : {$46.00} Again want the XXXX back and they should not be charging me any late fees of any kind. 

Also NOTE and is the attachment found in junk folder Flagstar Bank sent email after the servicing was moved to them stating no late fee charges for 60 days, which is a lie. Since they had a late fee all along ( for what reason not sure ) and waited until the XXXX to take it out of payment that I did not authorize for that.
Product: Payday loan, title loan, personal loan, or advance loan

Affirm would not allow me to access to my loan for almost 5 months stating " I was never approved through Affirm '' while I was having active withdraws being taken out of my bank account from AFFIRM, almost 20 phone calls later, I was finally given access to my loan details, in which I paid off immediately, the remaining balance of {$52.00}, was paid in full, early, on XX/XX/2024. Completing a payout of my loan total {$79.00}. ( I have proof of pay off ) In XX/XX/2024 I noticed a negative mark on my credit report from Affirm, I called them, provided proof of pay off, confirmed my contact information and was advised a manger will follow up with me. No one from Affirm followed up with me. I called back a week later and was advised Affirm did not reach out to me to update me on my " late '' payments because my contact information was deleted from my profile without my knowledge or permission, I asked how I was still receiving sales emails from Affirm & how was I able to confirm my identity at the beginning of the call via text message if my email & phone was no longer on my profile? They advised they were unable to answer my questions and a manager will follow up with me. 

Another week went by, and no one contacted me, I reached out to Affirm, yet again and they stated they have received the proof of pay off, they have documented my complaints, they verified my contact information and could not assist me until a manager follows up with me after reviewing my account. 

I have disputed this negative mark on my credit with XXXX multiple times, however Affirm will confirm with XXXX that I do indeed owe the debt, meanwhile THEY ( Affirm ) HAVE NOT REACHED BACK OUT TO ME regardless of the multiple attempts I have made. 

My payments were never late and the loan was completed early, before the end of the loan agreement and Affirm will not assist me whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 XXXX XXXXXXXX - 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.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX XXXX : {$1200.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$5500.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received no response to these disputes. XXXX XXXX XXXX XXXX That were sent back on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. U S Dept Of EdXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. U S Dept Of Ed/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. U S Dept Of Ed/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. U S Dept Of EdXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XX/XX/XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6.XX/XX/XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M HAVING A HARD TIME GETTING MY DISPUTES PROCESSED WITH THE CREDIT BUREAUS.
Product: Credit card

I used my Citi XXXX to order XXXX XXXX XXXX tickets from XXXX to XXXX XXXX ( {$190.00} each ) and XXXX tickets from XXXX to XXXX ( {$290.00} each ) on XXXX 2016. A few days later, after logging to my Citi online account management and seeing transactions with descriptions of " XXXX '' and " XXXX '', I mistakenly thought that they were fraud charges. I called Citi 's customer service XXXX XXXX XXXX, and asked to dispute these charges. 

During the same phone conversation, I realized that those were the transactions for my XXXX XXXX purchase, so I told the Citi representative to stop the dispute. The Citi representative said " Ok, although I had requested the disputes, I will reverse the disputes ''. Over the phone, the Citi representative said that he has completed the procedures to reverse the disputes and told me that everything has been taken care of. 

After a few days, I logged in to my Citi online account again to confirm the reversal of the disputes, and saw the XXXX original transactions for the airline ticket purchases, the XXXX disputes to dispute those charges, and the XXXX reversals for those disputes. All of these transactions ( XXXX line items ) were dated XXXX XXXX, 2016. 

On XXXX XXXX, we flew to XXXX from XXXX without any issues. However, on XXXX XXXX, when we arrived at XXXX airport, we were told by the airport staff that we did n't have any tickets to fly back to XXXX. So we called XXXX XXXX and they told us that Citi had canceled and refunded those XXXX airline tickets from XXXX to XXXX. Therefore, we had no choice but to purchase XXXX new tickets for total of {$1200.00}. 

When we came back home, we called Citi 's customer service ( XXXX ) numerous times, and every time, they tried to deny any wrongdoing. They claimed that it was XXXX XXXX who made the mistake. We called XXXX XXXX several times, and they told us that Citi requested cancellation of the XXXX tickets and the refund. They showed us the online record of the ticket refund ( however, the refund has never shown on my credit account ). 

In my last call to Citi 's customer service, they firmly told me that they have done nothing wrong and they will not honor my request to refund my original ticket purchasing cost ( {$580.00} ) and will not pay the extra cost occurred for our flights from XXXX to XXXX, which is {$670.00}. 

During my calls to Citi and XXXX XXXX, it is clear to me that Citi did request disputes on all XXXX tickets but only successfully reversed XXXX of the XXXX disputes. Therefore, it is 100 % of their mistake, and they should be responsible for all the consequences. However, Citi continues to deny any wrong doing and would not refund my original ticket purchasing cost ( {$580.00} ) nor pay the extra cost ( {$670.00} ) incurred with our new flights from XXXX to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, someone fraudulently applied for a XXXX credit card in my name, I immediately contacted the credit guarantor and they launched an investigation. The result was that fraudulent information was used in the attempt to obtain a card with my ssn. The persons application for the card was not approved. XXXX stated that they would begin the process to remove the hard inquiry from all three of my credit bureau reports. To this day, XX/XX/XXXX, the inquiry remains and has NOT been removed. This was AFTER I submitted a complaint to CFPB and the XXXX concerning this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Did Not Authorize These Accounts
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. I have noticed some unauthorized accounts on my credit reports that I did not benefit from. I did not authorize for the collections nor the chargeoffs to be reported to my credit reports. I need these fraudulent accounts removed immediately, as I did not have a contract with any of the debt collectors listed. Please remove these accounts immediately, and especially the fraudulent inquiries that I did not authorize!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX of Birth : XX/XX/XXXX SSN : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX XXXX XXXX XXXX Incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Current Employer : XXXX XXXX XXXX XXXX  I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities. 

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the XXXX system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within XXXX days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

The following credit inquiry listed on my Equifax credit report is a fraudulent and unauthorized credit inquiry : XXXX XXXXXXXX XXXX, XXXX, XX/XX/2022. The credit inquiry is not my credit inquiry.
Product: Credit reporting or other personal consumer reports

REQUEST FOR REMOVAL AS AUTHORIZED USER OF CREDIT CARD A/C TITLE JPMCB, ACCOUNT NO. XXXX I hope this letter finds you well. I am writing to formally request the removal of my status as an authorized user of the Credit Card of Account No. XXXX titled as JPMCB CARD. 

After careful consideration and review of my financial circumstances, I have decided that it is in my best interest to discontinue my status as an authorized user on the aforementioned Credit Card. I greatly appreciate the opportunity that JPMCB CARD has provided me, and I am grateful for the positive experiences I have had as an authorized user. 

I understand that there may be necessary administrative processes to complete to remove me as an authorized user. I kindly request your assistance in initiating these procedures to ensure a smooth transition. 

I am committed to ensuring that this transition is carried out in a seamless manner and would be more than willing to cooperate with any requirements from your end. I recognize that there may be a timeframe required for this request to be processed and implemented, and I appreciate your understanding in this matter.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information that appears on my consumer report maintained by your agency. The inaccurate information pertains to the date opened and payment status, and it is adversely affecting my creditworthiness and financial standing. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information reported by consumer reporting agencies. Upon reviewing my credit report, I have identified the following discrepancy : XXXX Acct # XXXX Date opened inaccurate. 
Payment status inaccurate. 

I request that you investigate this matter in accordance with the FCRA guidelines. Please delete or correct the inaccurate information from my consumer report as soon as possible. Enclosed with this letter are copies of documents that support my dispute. [ If applicable, provide any supporting documents such as payment receipts, letters from creditors, etc. ] I kindly ask that you promptly conduct a thorough investigation into this matter and notify me of the results within 30 days, as stipulated by the FCRA. If you find that the information is indeed inaccurate, please remove it from my consumer report and provide me with an updated copy of my corrected report. 

I appreciate your prompt attention to this matter and your adherence to the legal requirements outlined in the FCRA. I trust that you will handle this dispute with the urgency and accuracy it deserves.
Product: Credit reporting or other personal consumer reports

XXXX informed me that the company was closing all of its accounts after being informed and having some of my balance returned to me. The account and payment history in XXXX  were all current prior to closing, but the account is showing as a negative closure. 

I have repeatedly called XXXX, and emailed XXXX for several months now and I have received no response. 

Please review the email pdf attached to understand how we were informed of their closure.
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX / XXXX # XXXX XXXX / XXXX # XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card or prepaid card

I have previously filed a complaint against this company Complaint Number XXXX. On dated XX/XX/XXXX statement because I contacted your agency, XXXX posted my accounted with $ XXXX misposted payment and {$100.00} Encode Error. 
On dated XX/XX/XXXX statement, there are two transactions dated XX/XX/XXXX Encode Error Reversal - {$100.00} and {$1000.00}. 

This transaction took away the " misposted payment '' that was given to me on XX/XX/XXXX statement. It also caused a my account NOT to be paid in full as I always do and have done for all the years I have own the card so interest charge was applied of {$51.00} I immediately called XXXX and spoke with a Manager named XXXX and he insisted at first that it was because I did not pay {$1000.00} back in XXXX. According to the notes posted on the account, the items submitted from myself were not clearly visible. XXXX opened a case number XXXX. He then read more into the notes and said that the settlement team made the decision to place the Encode Error Reversal on the account and take away the money that was rightfully mine that I deposited to XXXX in XX/XX/XXXX ( 3 months ago ). 

Again I am not sure how this could be as I provide the XXXX receipt that clearly shows the numeric numbers as well as the XXXX phone number and the XXXX XXXX numbers that one can call and listen to the automated answer as to the value of each money order. The person on the phone said he had to open another case and needed 30+ days to review the material. I told him to pick up the phone and call XXXX and put in the XXXX XXXX numbers and you will hear the values and that will take less than 10 minutes. I am tired of calling people and being on the phone for hours at a time trying to get creditted MY OWN MONEY! IT IS WRONG!