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

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect addresses : 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 XXXXXX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Checking or savings account

XX/XX/2023 AT XXXX. I was trying to fix my XXXX XXXX XXXX and used XXXX to look for Contact Number of XXXX found the number and called them. They assisted me and after assisting me they told me that my account is not yet completely fixed so I need to purchase a Gift card thru XXXX. They told me they will just cancel the order after the call. After Purchasing 5 gift card they told me that the problem is not being fixed and I should transfer money thru my bank account using Zelle  to a person Name XXXX XXXX with an email XXXX. I told them NO this is a Fraud. They told me they will just return my money. So I transferred XXXX dollars and they told me its not enough. I have to send more money and threaten me that they have access to my bank account and they can transfer more money because they know my Username and Password. So I transferred another XXXX dollars because they are threatening me that they will took all my money in my bank account. And told me its not enough so I transferred again XXXX dollars. I was already anxious at that time and they are still asking me for more money. I disconnected the call and reported it to XXXX and XXXX XXXX XXXX at same Date. XXXX refunded my Gift card after several days but advancial refused to return a total of XXXX dollars that was sent thre XXXX XXXX thru Zelle. The Bank said I should have reported it to the FBI.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality. 

XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ut XXXX acct XXXX XXXX of XXXX XXXX XXXX XXXX XXXX mo XXXX acct XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX mo XXXX acct XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, utah XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mo XXXX acct XXXX 15 U.S.C. 1681 section 602 A : state I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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

I have never missed a payment with XXXX XXXX XXXX. In XX/XX/2019 I made a payment in full. This payment posted on my XXXX XXXX account as paid. A few days later I took out another loan. I had no more payments for XXXX XXXX. XXXX has reported me late for this account twice. They had an error with there payment transactions not me. I was called by a XXXX  Representative in XXXX she called XXXX XXXX we resubmitted a payment the account representation told her they would update the information for the 30 day late notice removing the 30 day late. The information that was updated is incorrect. My credit score dropped significantly over this late designation.
Product: Debt collection

Complaint filed requesting CFPB 's assistance. The company responded to CFPB but has not responded to me. After review of the information furnished by the collection agency provided on behalf of XXXX XXXX XXXX, and due to the fact that the lease contract lacks fulfilling " consideration and capacity, '' as it pertains to me as the alleged debtor the contract is not valid. I have taken steps to communicate with all parties but none of the entities have responded to provide me with any information such as collection notices or consumer rights notices. I dispute owing {$900.00}.
Product: Payday loan, title loan, or personal loan

I already spoke to the Title Max. The reason for this complaint is because I need a 3rd party mediator to make Title Max follow the same instructions like any other Loan Company has done and should not be treated any different. Or I won't have a car. 

Please forward this to anyone that can help me and many others before it's to late. 
XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit report due to a recent identity theft incident. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I have the right to request the blocking of any information resulting from identity theft. 
The following accounts were opened or tampered with fraudulently : Fraudulent 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 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 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 XXXXXX/XX/XXXX
Product: Mortgage

I APPLIED FOR MORTGAGE ASSISTANCE FROM MY LENDER ( BANK OF AMERICA ) BUT THEY CAUSING LOTS OF NEEDLESS DELAYS IN THE PROCESS REVIEW WHILE CONTINUING WITH FORECLOSURE ACTIONS!!! 
I AM TRYING IN GOOD FAITH TO FIND A SOLUTION FOR MY MORTGAGE PROBLEM AND HAVE PROVIDED EVERY ITEM THEY ASKED FOR. NOW ALL OF A SUDDEN THEY SAID THEY ARE SELLING THIS LOAN TO A DIFFERENT COMPANY AND THEY WILL NOT WORK ON MY MODIFICATION APPLICATION ANY MORE!!!! ACCORDING TO " B OF A '' I HAVE TO WAIT UNTIL THE NEW COMPANY GETS MY FILE & CONTACTS ME TO CONTINUE THE PROCESS. YET THEY WILL NOT STOP THE FORECLOSURE PROCESS DURING THIS TRANSITION PERIOD!!!! 

BANK OF AMERICA HAS PUT THE MODIFICATION REVIEW ON HOLD BUT THEY WILL NOT PUT THE FORECLOSURE PROCESS ON HOLD!!!!! THIS IS SO UNFAIR AND UNREASONABLE!!! 
IF THEY ARE WAITING FOR THIS TRANSFER PROCESS TO COMPLETE BY THE SAME REASON & LOGIC THEY SHOULD WAIT ON THE FORECLOSURE ACTION TOO. THEY HAVE PUT AN IMPOSSIBLE OBSTACLE IN FRONT OF ME WHILE CONTINUING WITH THE FORECLOSURE STEPS!!!!
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 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 my 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 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 XXXXXXXX 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

I was given this link when I obtained my Equifax free credit report to make a dispute for incorrect information, it does n't work -https : //www.ai.equifax.com I called, ca n't get a real human on the phone. 
I never have been, nor ever will be XXXX XXXX, I am XXXX XXXX. How a major credit bureau could XXXX up my last name is beyond belief!! My XXXX is XXXX XXXX. I need this corrected with the recent breach I 'm afraid someone is going to use my credit with the wrong last name and get away with it. Before that nightmare begins can you please help me get Equifax to fix my last name on my entire credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance - ; XXXX XXXXXXXX Balance - ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX Balance XXXX ; XXXX/XXXX  XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; Bankruptcy XXXX  XXXXdismissed Filed on XX/XX/XXXX Reference number : XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Credit card or prepaid card

I recently tried to apply for a new credit card through XXXX. Have had no issue getting credit cards in the past, or renting an apartment. 

I filled out my information on the XXXX  website, but then they said I had been denied. It had used " Sagestream LLC '' as their credit reporting company. 

It said the reason I had been denied, is because I was deceased. DECEASED. I am a XXXXyo XXXX   XXXX. I would like to know how I can find out if this is a case of identity theft or not, and for Sagestream to not be able to report information because it is clearly false. Thanks.
Product: Mortgage

We been waiting on our insurance check to fix our house from XX/XX/2024 we turned in all the paperwork they need every time we call them its always we have to wait 5 days then 7 days then 14 days I made a complaint the lady we were talking to never called us back so Im making another complaint because we still have not got our insurance check money from this company to fix our house they always want more info they never request from the beginning and we have to wait
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021, a debt validation letter was sent to XXXX XXXX XXXX XXXX in XXXX XXXX, CA. The company responded with a copy of the contract between myself and the dealership. Per the FDCPA, I refused to send another payment until they sent a certified copy of the promissory note. It never came. They then stole my car, giving my information to someone I gave no consent to, and furnished late payments to the reporting agencies. Under duress, I paid the entire remainder of the loan that they never proved to give me completely off. They still reported the repossession and did not attempt to correct or cure the injury done to me. As a result, I have suffered higher interest rates on consumer transactions I have been approved for and have suffered many denials. They have never given me full disclosure or time to opt out of my private transaction being made public. 

The Credit Reporting Agencies ( acting as Bureaus ) are guilty of not receiving a court order or express written consent from me, XXXX : XXXX and proceeding to furnish damaging information.
Product: Mortgage

Between XXXX and XX/XX/XXXX, Fay Servicing was transferred my HELOC from a previous servicer. When it was transferred, so was my Autopay setup ( monthly/full amount and my checking account ). Upon creating my account in the Fay Servicing system on XX/XX/XXXX, I CONFIRMED my Autopay was enabled, bank account was transferred and merely went on with life as it was before -- Fay Services will debit the monthly no problem.

Since then, the Fay Servicing Autopay on my account has been BROKEN, I CAN NOT make manual payments online ( I get errors ), and I can not even disabled Autopay to set it back up or turn off completely, all pointing me to call Fay for assistance. I have called Fay 3-4 times since XX/XX/XXXX to make manual payments to shore up their Autopay system not working, have been repeatedly told " it will draft on XXXX date '' only for that date to pass again and not draft and make me delinquent once again.

The multiple phone reps can not help with the technical issue or solving the real problem, they take a payment, and they move on. Since then, Fay Servicing has now reported all credit agencies I am " severely delinquent 98-119 days '' but I have NOT. I can not get Fay to solve the problem, I can not make manual payments online, and the phone assistance does not care to solve their problem.
Product: Checking or savings account

Bank of America closed my account after I deposited a check that was later identified as fraudulent. However, I was unaware that the check was fraudulent at the time. I was contacted by an individual offering me a job opportunity, and as part of the onboarding process, they directed me to deposit the check. I have email evidence from that individual indicating their direction to deposit the funds. 

I was never contacted by Bank of America to explain the situation, and instead, my account was closed, and I was flagged as high risk, which may affect my ability to open future bank accounts. I understand the need to protect against fraud, but I feel I am being punished for being a victim of a scam.
Product: Debt collection

I have made a compliant about this company twice and nothing has been solved. This company has failed to provide the original contract bearing my signature and ownership chain agreement as requested. This company responded to my complaints saying they closed the case and returned to sender meaning they do not have the right to try and collect the alleged debt in anyway but are still reporting this debt to the credit bureaus. This is a violation of the FCRA section 605 B.
Product: Checking or savings account

I received a bill for {$22.00} on an account I had closed months before. When I called they said it was for my Cash Advance Account that hadn't been closed. I advised them I went to the bank, closed the account, theny said I owed some money, which I paid, then the owed me money, which they paid, then they cut up my bank card and I left. Months later I get a bill for {$20.00} for the Cash Advance.
Product: Vehicle loan or lease

I am the executor of my fathers estate. He had a machine financed by XXXX XXXX. We made contact with XXXX to try and make arrangements for a family member to assume the loan. They did not agree, in turn the handed the account over to AvanteUSA Ltd. I was contacted on XXXX by XXXX XXXX. During the initial I told him I would need proof that they were contracted to discuss and collect the possible debt and proof of the debt. he refused to provide the information stating that they did not have to give me anything and that a driver would have proof when they pick up the asset. He became aggressive and confrontational to the point that I terminated the call. I called back and again spoke with him and reiterated the fact that a member of the family would like to assume the loan. He indicated he would be back in contact. During this call I again reiterated the fact that I would need proof of the debt and proof that they had been retained to collect it. He again refused and insisted they did not have to provide any documentation. 

On Friday the XXXX of XXXX I again received a call from a XXXX XXXX. He indicated that the original debt holder had refused anything less than payment in full or the surrender of the machine. I again indicated to him that I needed proof of the possible debt and proof that they were permitted to discuss the possible debt and or to pick up the machine. He once again refused to provide the information. He then demanded a date the asset could be retrieved. I indicated to him that I would not be able to provide that to him until I had my schedule in front of me and the necessary proof. I once again reiterated to him that I would need the requested documents for the Probate Court and prior to any further action. He again became agitated and confrontational. He demanded that I was not in control and that I could not control and had o say in a date and in requesting documentation. 

While the estate would like to come to some mutually beneficial arrangement with the original debt holder, as Executor I must also have documentation for the disposal of any assets or settlement of any debts the Estate may owe.
Product: Credit reporting or other personal consumer reports

My identity has been stolen you are herby on notice This notice is to inform you that you unlawfully reported fraudulent account that arose from identity theft that you did not verify as required by law on my consumer report. 

An identification of me has been used without my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 US 1681C-2- block of information resulting from identity theft.

Except as otherwise provided in this section. a consumer reporting agency shall block the reporting of any information in the file of the consumer that the consumer identifies as information that resulted from an alleged identity theft no later then XXXX business days after the date of receipt by such agency. 

You EXPERIAN have aided this fraud by not verifying these accounts below. 

You EXPERIAN have aided this fraud by not verifying these accounts. you are in violation of these laws below. 

Account : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account : XXXX XXXX  Account Number : XXXX Account : XXXX XXXX XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

I ordered a Blind Date with a Book from an XXXX site. I used PayPal. The site was called- XXXX XXXX XXXX  I ordered a fiction book on XX/XX/XXXX for $ XXXX received on XXXX XXXX, stickers, string, XXXX fake flowers, a paper bookmark, small flag post-it notes and a pamphlet book of XXXX chapter of a XXXX XXXX XXXXXXXX called XXXX XXXX XXXXXXXX XXXX It was a one chapter that didnt have quotation marks in the body. A fake mailing system called : XXXX XXXX, XXXX XXXX XXXX said it was coming from XXXX. The label on the XXXX ounce package said this : from XXXX to a person ( XXXX XXXX ) in XXXX, Ohio and then to me. 
There is another sticker under the package that says it was from WA which is an XXXX XXXX. PayPal said the seller wanted me to mail back the package to XXXX. I said no as that is cost prohibitive without them providing a mailing label. I have contacted PayPal numerous times and even called them. The case was supposed to be updated today and was not. information I got from PayPal was this : Seller details Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email m XXXX Phone XXXX XXXX
Product: Student loan

Before I went to  XXXX  school,  Navient kept enc ouraging me to put my private student loans on forbearance. My monthly minimum payments has now increased to over {$400.00}  ( four hundred ) d ollars per month. I have tried to make {$100.00} to $ 150 monthly payments, but  Navient co ntinues to send my name to collections for late payments. I have had several conversations with customer service and they are not willing to accommodate my financial situation - my   XXXX   student loans are {$280.00} per month ; my federal student loans are about {$220.00} per month ; my rent is {$1900.00} per month ... I am a   XXXX   XXXX   in Massachusetts and only bring home about {$1300.00} every  two  weeks ( {$47000.00} yearly salary ). I have told  Navient  that I am already struggling to find more affordable housing in  XXXX  and keeping up with my other bills and living expenses. I would not want to end up homeless because  Navient do es not want to accommodate my current financial hardship. I have repeatedl y told Navient that  I can make $ 150 monthly payments towards my loans, b ut Navient cont inues to encourage me to make that payment on one account and place the other loans on forbearance.