23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I am send his letter to explain my situation I went. To XXXX XXXX  XX/XX/XXXX I was staying to XX/XX/XXXX first off all they charged me before I got there XXXX XX/XX/XXXX th XXXX went I got there I didnt no they recharged me whole amount n XXXX deposit that I never even got back when I got there hotel was filthy I called N explained it she was very rude old cigarette buds every where She told me they have workers around around there so I was disgusted then my little boy found a dirty used needle I panicked I didnt no if he poked his self or not his has XXXX XXXX XXXX  my husband terrible upset so I changed my flight n left XX/XX/XXXX like I told manger on duty she told shes very sorry they would take care of all charged she seemed compassionate of the situation so I took her word for it but at all honestly she didnt do anything but charged me more then what I was suppose to pay when I got home so I left with out goin up there Cause she was so nice on phone and I was so upset I just left after I talked to them when I got home I kept callin n callin XXXX her name was she kept saying I told him to call he never would call me back cause carona And also emailed him repeatedly I could of sued that hotel for health violations let alone not refund me as I was told they was going. To when I got home they refused to call me over n over reappeated calls I didnt even stay not half the time let alone the whole time I re bought new flight as Im sending both proofs under no circumstances should I have to pay for there filthy error This was totally unprofessional my account # is XXXX they charged me XXXX, Chase denied my claim I proved I left early n every thing they wouldnt even care to let me explain how I didnt stay there Cause it was filthy I left was still charged whole time asked to speak to manager they kept telling me he will call me he never did ever months went on
Product: Credit reporting

I was victim of ID theft back in XX/XX/XXXX-XX/XX/XXXX, where my pre-existing credit cards incurred fraudulent charges and new loans were fraudulently acquired in my name as well. I was in the XXXX during this time and upon my return found out about the issue. 
Pursuant to the FCRA, I filed a police report and reported the issue to the Federal Trade Commission, both these institutions investigated the incident and declared me a victim of fraud and ID theft. 

I wrote to the bureaus, provided them copies of the FTC ID theft report, fraud Affidavit and the Police report, with which they were to block the fradulent information within 4 days of receipt of my correspondence. Experian and Transunion duly complied. Equifax flat out ignored my request and continues to violate the FCRA by persevering with reporting the fraudulent information. I have attached the excerpt of FCRA 605B that states the credit bureaus are to BLOCK fraudulent information within 4 business days.
Product: Vehicle loan or lease

VOLVO XXXX I was never late. Payments were set up on XX/XX/23 from XXXX  checking ( ending in XXXX ). Confirmation # - XXXX. Please review and correct my payment history right away!
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Target card services has a probate claim against XXXX XXXX XXXX. I have asked numerous times for copies of sales receipts and payments to valadate this claim over a 2 years. These charges were made by a care giver without permission and they were unauthorized. I have had no response after sending a letters which explained the situation in XXXX XXXX. I heard nothing back until XXXX, TARGETS 3rd party for deceased processing was going to request Target withdrawal the claim for lack of any response. I week later, XXXX XXXX, I received a call from a fraud representive named XXXX. I again requested sales receipts, explaining that my mother did not make these charges. She asked me to get a police report, which I did. XXXX agreed the charges seemed to be strutured under the amount for sign sales receipts. Though she did not tell me what the amount was. Then she sent me a letter declining the claim without calling me asking if I had additional information or showing me a signed sales receipt or copy of a payment with XXXX signature. 
I sent additional evidence by fax on XXXX XXXX, XXXX. XXXX never sent any corespondence saying she received it or reviewed the evidrnce. I called last week to complain and again asked for proof she made each of these purchases or any of purchase from XXXX through XXXX. I just received another letter that says the same thing.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and concern regarding the ongoing issue of fraudulent items persisting despite repeated attempts to remove them. As a customer of Credit Bureaus, I expect transparency, reliability, and prompt action in addressing such matters. 

The persistence of these fraudulent items reflects poorly on Credit Bureaus commitment to combating fraudulent activities and protecting its customers. It is unacceptable that such discrepancies persist despite being brought to your attention multiple times. 

I urge you to take immediate and decisive action to rectify this situation. Specifically, I request the following actions : Conduct a thorough investigation into the root cause of the issue, including any potential vulnerabilities in your systems or processes that may be enabling fraudulent activities to persist. 

Implement robust measures to prevent further occurrences of fraudulent items and ensure the security of customer accounts and data. 

Provide clear and timely communication to affected customers, including updates on the status of investigations and actions taken to address the issue. 

Offer appropriate compensation or restitution to customers who have been adversely affected by the presence of fraudulent items, such as refunds or account credits. 

Review and improve your customer support and complaint resolution procedures to ensure that issues are addressed promptly and effectively in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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>
Product: Debt collection

Received email purportedly from " XXXX '' ( sender i.d . represented as " XXXX XXXX '' ) this date requesting {$690.00} to cover a payment to XXXX XXXX XXXX. 

The email provided a customer service number ( XXXX ) to dispute this transaction. Attempts to contact Paypal resulted in a male answering the call as " Paypal. '' As I had cross-referenced the number before calling, I knew it was registered to XXXXXXXX XXXX XXXXXXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. When I questioned the answering party about this disparity, the answering party, a male, quickly hung up.
Product: Credit reporting or other personal consumer reports

I recently discovered that I am a victim of identity theft. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYs.
Product: Debt collection

I am writing to formally dispute the accuracy of certain information reported on my credit file. Upon reviewing my credit report, I identified the following account containing inaccurate or unverifiable information : Account Details : Creditor : Bank of America Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Charged Off Past Due Amount : {$1000.00} Balance : {$1000.00} Last Payment Date : XX/XX/XXXX This reported charge-off and associated details are inaccurate and fail to comply with the requirements outlined in the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. Additionally, as per 15 U.S. Code 1681i ( 5 ) ( A ) : 1. If, after a reinvestigation, disputed information is found to be inaccurate, incomplete, or unverifiable, it must be promptly deleted or modified. 
2. The furnisher of the information must also be notified of any modifications or deletions to the consumers file.

I request that you reinvestigate this account and provide the following : Verification of the accuracy of this account, including any supporting documentation provided by Bank of America. 
Evidence that the reported charge-off complies with FCRA standards, including the required notice and procedures. 

If the information can not be verified, I demand that it be removed from my credit report in accordance with 15 U.S. Code 1681i ( 5 ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reporting a total of 6 missed payments that are not correct, Also XXXX fhows 6 missed payments but Transunion shows 4 missed payments. They continue to report actively on my credit report and even though I paid this credit card in full way back in XX/XX/XXXX and requested it to be closed its still reporting actively most recently as XXXX XXXX 2017. I emailed the company twice about this error and still have not gotten any response back. I was recently denied for a auto refinance due to these incorrect missed payments reporting.
Product: Debt collection

I have been a victim of identity theft for the past several months. Ever since I first noticed it I have been getting monthly credit reports so that way I can assure no new accounts are being reported to any of the credit agencies. In XX/XX/2020 I noticed this new account. I immediately notified the company by letter that I have been a victim of identity theft and provided identification as well as my Identity Theft report. I asked the company to stop reporting this fraudulent information and to investigate the account. I asked for proof of the steps they would be taking. After 30 days I did not receive any correspondence from the company. In XX/XX/2020 I got a new report and the information was still being reported. I again sent another letter to them notifying them that the account was opened fraudulently. Again I have not heard any correspondence. Since it has been 60 days since the first communication I'm asking for assistance. I have attached both packets that I sent to the company as proof, a copy of my ssn card, a copy of my driver 's license, and a copy of my current identity theft report.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I discovered that I was the victim of identity theft. On XX/XX/year>, I registered for an Experian account in order to request a security freeze and a fraud alert. When I logged in, I got a message that said I needed to call to complete the request. When I called the number provided, I went through an elaborate phone tree only to get an automated message saying that I had to submit the request online or via mail. The automated phone tree " person '' kept repeating that I could not talk to a person and eventually hung up on me. 

I can not request the freeze online or via phone, and it is impossible to speak with a live human, so the only other option is to request a freeze via mail. I live in XXXX and the mail will take at least XXXX weeks to arrive at Experian ( note : I am not willing to pay over {$100.00} to have it sent express because Experian created this problem ). That is XXXX weeks where my credit report is left exposed to more potential fraud. The other XXXX reporting agencies allowed me to do a freeze online in a matter of minutes.
Product: Credit reporting or other personal consumer reports

" I tried to access my annual credit reports online but kept getting error messages. When I requested them by mail, I only received summary reports instead of my full annual reports. Because of this, Im using your platform to help me resolve the issue and obtain my complete file disclosures from Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 accordance with the fair credit reporting act XXXX  account # 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: Debt collection

I have contacted XXXX and they have said there is no such bill outstanding due them.From my account. I have since closed my account. 


First notice for collection was recieved on XXXX from : XXXX XXXX XXXX XXXX XXXX 
Phone No. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. 
The notice said I owed {$120.00}. 


The second notice I recieved was from a different place. This notice said same amount {$120.00}. 
SiMM Associates , INC . 
XXXX XXXX XXXX XXXX 
XXXX, DE XXXX phone no. XXXX When I called it went straight to music. 

My name is XXXX XXXX XXXX XXXX phone no. XXXX
Product: Student loan

My school loans were part of the XXXX XXXX XXXX settlement and have been discharged. But I am yet to receive a refund from my service are Navient. I believe that deadline is approaching and they are being difficult.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report late payments on the account listed as XXXX reporting this account late is subjecting me to financial harm. This is against federal law and the consumer agencies know this. They are not permitted to report late payments. 

( 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: Mortgage

Foreclosing on a fradulant mortgage. Have original paperwork showing the details of it. This is an old XXXX XXXX proven to be fradulant in court.This mortgage has been cancelled in XXXX. XXXX XXXX XXXX XXXX paid XXXX dollars for this mortgage it was assignes to them in XXXX.
Product: Debt collection

I was contacted at work and my cell phone by XXXX XXXX XXXX about a debt I supposedly owed. After contacting them back, I proceeded to try to figure out what company they were representing. I did not receive anything in the mail or in writing 5 days before contact explaining the validity of the debt. According to the fair debt act, the collector is suppose to sent a letter in the mail so I can research and respond to make sure the debt is valid. I requested a letter be mailed to me and the person stated that they could not do that. That is in violation of my rights. They continued to harass me and threatened to sue me. Even though they are not following proper protocol.
Product: Mortgage

Cross Country Mortgage bought a required flood insurance policy when I purchased the property in XXXX. That policy was $ 3300 yearly. On XX/XX/XXXX I found a flood insurance policy through XXXX for {$540.00} annually. I sent the documents to the mortgage company via email to both their customer service address and to the loan department on the XXXX of XXXX as well. I sent them again on XX/XX/XXXX. I followed up with several phone calls and each time was told it was taken care of and would be reflected when the escrow was reevaluated. The {$3300.00} policy was canceled, the escrow was adjusted and an {$1800.00} escrow refund was issued. In XXXX, I was informed that the Progressive policy was never paid and they repurchased the {$3300.00} policy. I made numerous phone calls, was never able to speak to the same person twice and was told each time that they could see where the policy wasn't paid and they would look into it. I tried to get the Progressive policy reintroduced but now they say I need a new elevation certificate which is expensive in and of itself, and that the lines for the flood zones have been rewritten so I can no longer get that policy. The result is a $ XXXX increase in my mortgage payment and I fear that if my health declines and I can't work, that my VA disability won't be enough for the payment and I will lose my home. Every time I have spoken to the mortgage company they have stated that they see they made a mistake and would look into correcting out but nothing has been done. As a result, I have been paying for this oversight for many months and I can not afford it.
Product: Debt collection

On XX/XX/year> a collection account in the amount of {$260.00} was added to my XXXX credit report without my knowledge. I finally receive notification over this collection account through XXXX on XX/XX/year>, a whole 3 months later. This debt is completely invalid and I have never received any sort of notification such as mailings, phone calls, emails, exc. prior to it being added to my credit report. I can not even contact them to dispute the collection account because I was never properly informed of it and who these people are. This debt does not belong to me and I demand it to be removed off my credit reports with all three credit companys or I will pursue other actions to protect myself.
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. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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.