23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX  days. Please check payment history, date open, last activity and Status of the following accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX Balance Owed : {$68000.00} XXXX XXXX XXXX Balance Owed : {$690.00}
Product: Mortgage

This complaint is one that was originally submitted to the CFPB on XX/XX/XXXX ( # XXXX ) against Specialized Loan Servicing, LLC. The complaint remains unresolved as of this date. A letter from Specialized Loan Servicing, LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX dated XX/XX/XXXX ( copy attached ) stated that they were requesting that the Recorder 's office in my County ( XXXX County, GA ) to " release or satisfaction of mortgage. '' SLS stated in this letter that upon receipt that they would forward it to me. I checked with my Recorder 's Office on Wednesday, XX/XX/XXXX and I was informed that no request was made by SLS. This mortgage balance was paid to SLS on XX/XX/XXXX and details were included in my original complaint. All communications and correspondence with this company has been futile and SLS has obviously ignored the CFPB to date as well. I received an undated notice from SLS with a postmark of XX/XX/XXXX stating " Georgia law requires us to inform you of your right to demand payment of {$500.00} in damages in the event a copy of your Satisfaction/Release/Discharge Reconveyance is not provided to the county recorder within 60 days of payoff. '' I sent XXXX a letter dated XX/XX/XXXX demanding the {$500.00} in damages and informing them that my " paid-off deed '' had still not been received ( copy of my letter is attached ). Apparently my letter and the SLS letter dated XX/XX/XXXX crossed in the mail. Pease help me to resolved this issue.
Product: Debt collection

This account was sold to the following : Resident Collection XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Please see a screen print of my credit file under the XXXX XXXX, The original company is listed as " XXXX XXXX XXXX  '' In 2015, I was discharged of a chapter XXXX bankruptcy and this debt was included in that bankruptcy. For almost 3 years now it still shows up on my credit report and continues to make my life XXXX. 

In addition, I've never done business directly with this debt collection agency before and they have not provided me with any documentation that states this is a valid debt through verifiable documentation ( an agreement that I've signed directly with them ).
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. 

Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account XXXX : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX  XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a 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 an 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote each bureau regarding accounts that are currently reporting to my credit that are a result of identity theft and are not mine. In my request I asked them to remove these items due to them being a result of identity theft, and they have not done so and they have not responded. 

XXXX are reporting the following fraudulent accounts : XXXX XXXX, XXXX XXXX XXXX , XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX Equifax and XXXX are reporting the following 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 I then asked them to provide proof that these were my accounts due to them not having removed them and they did not respond. Both failed responses exceeded the 60 day standard timeframe it takes for them to respond.
Product: Vehicle loan or lease

I have an RV Loan with Bank of America. I had been able to make my monthly payment and pay additional amounts to be applied to interest. My monthly payments are paid ahead until XX/XX/2025 and I learned just today on the phone B of A only allows you to pay 3 months in advance. First question I have, is this legal? 

Secondly, I am getting statements that are not accurate. When I have made a payment of {$2000.00}, my statement shows amounts applied to both principal and interest with the new balance being reduced by just the amount applied to principal. I have XXXX such statements. Today, I was informed by the bank associate that all of these {$2000.00} payments have been applied to principal however my balance does not support that.
Product: Debt collection

This company that I dont know or have any dealings with have called me and also emailed me over XXXX times and it started since XX/XX/2022. And I have asked them to cease and desist and they have stressed me out to the point my hair is falling out! They have emailed me over and over!! I have all of the emails times ( halsted financial services )!! They are hassling me and I dont know or have any thing with them!!! And they have also put things on my credit report and I need it deleted and for them to cease and desist from contacting me by all means!! And also voicemails!!!!
Product: Mortgage

This is regarding a complaint that I filed on XXXX/XXXX/2016 regarding my loan servicer PHH Mortgage. I have spoken with them on numerous occasions and have stated that I am still being sent bills for double the amount that I owe on my mortgage. I have not received any response from CFPB and following up to see when I might expect an email. I have never been late on a mortgage payment in my life and PHH has been paid up to date.
Product: Money transfer, virtual currency, or money service

I used XXXX to sell XXXX bitcoin to a verified buyer on XX/XX/. The buyer paid me {$220.00} for the bitcoin I sold him/her via paypal. On XX/XX/XXXX, the buyer made a cashback request. I submitted 4 documents of proof of the transaction from localbitcoins including proof showing that the buyer has performed the same scam to quite a number of other sellers resulting in his/her account getting banned by the staff. I also submitted a note explained what happened. After review, paypal has returned the money to the seller and I was wronged. I called paypal explaining the situation and they said that they went through their bank. I asked paypal what bank the buyer went through so I could dispute it through their bank and Paypal declined to give me the information. I am extremely upset because I've provided more than enough proof and this person has and will scam a number of other people and paypal is only enabling this kind of fraud. This is a serious issue that needs to be addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) require the XXXX and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete. As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX XXXX and XXXX credit bureaus shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX credit bureau are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor CB/AVENUE XXXX XXXX XXXX XXXX XX/XX/2015 Balance : {$0.00}
Product: Checking or savings account

Between XX/XX/XXXX and XX/XX/XXXX there were transactions that where supposed to be going to checking account XXXX and XXXX. However, ended somewhere else. I reported it to fdic and they said to forward it to consumers finance to further investigate and get all the transactions to the right accounts. There were other transactions that were supposed to go to the savings account of that same accountsof XXXX XXXX XXXX XXXX. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed a copy of my credit report and I show company KAY JEWELERS account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Product: Credit card

Subject : Dispute of Fraudulent Charge Request for Intervention Dear Consumer Financial Protection Bureau, I am writing to request your assistance in resolving a dispute with Bank of America regarding a fraudulent charge on my XXXX XXXX XXXX XXXX XXXX Despite my efforts to resolve this issue directly with the bank, the matter remains unresolved. 

Transaction Details : Date of Fraudulent Charge : XX/XX/year> Location of Charge : XXXX XXXX, XXXX Amount : {$2100.00} Bank of America Claim Number : XXXX Background Information : During my recent vacation in XXXX, I used my credit card twice in XXXX. Following these transactions, the card stopped working and I made no further purchases with it in XXXX. 

On XX/XX/year>, after landing in XXXX on the way home, I received a notification from the Bank of America XXXX about a suspicious charge. I promptly reported the charge from XXXX XXXX, XXXX, as fraudulent. My card was deactivated in response, and I assumed the matter would be resolved. 

On XX/XX/year>, I received a correspondence stating that the charge was not covered under their fraud protection policy because they " confirmed your card was used for the charge ( XXXX ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' However, I was not in XXXX XXXX and could not have made this transaction. Ive attached the claim denial letter. 

Evidence Supporting My Claim : Flight Documentation : On XX/XX/year>, I was on a flight from XXXX to XXXX. Attached are my airline check-in and boarding documents proving my presence on this flight during the time of the fraudulent transaction. 

Store Hours XXXX : The store where the fraudulent purchase was made does not appear to open until XXXX a.m. local time. At that time, I was on an airplane, and it would have been impossible for me to make the transaction. 

Previous Location : On XX/XX/year>, I was staying at a hotel near XXXX airport in preparation for my flight home. This location is far from XXXX XXXX, XXXX, further confirming that I could not have made the purchase. Ive attached my booking confirmation at the hotel. 

No Prior Visit : I have never been to XXXX XXXX, XXXX, in my life, which precludes me from having made the purchase in question. 

Given the evidence provided and the circumstances of the fraudulent charge, I am seeking your intervention to ensure that Bank of America correctly resolves this dispute and covers the charge under their fraud protection policy. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 

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

XXXX is reporting incomplete information on my credit report, rendering it inaccurate. As a consumer, I am entitled to accurate and complete reporting under the FCRA. After disputing the accuracy of this information through Experian, the company verified that the information was accurate and complete. *These inaccuracies consist of incomplete or missing balance history information listed below : * Balance history information is missing for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Some of these months contain an alleged late payment with not payment history information reporting. * There are XXXX balance reported for the month of XX/XX/XXXX ( {$1000.00} and {$950.00} ) * The payment date for the months of XX/XX/XXXX through XX/XX/XXXX are all reporting as XX/XX/XXXX. * XX/XX/XXXX and XX/XX/XXXX both have an incorrect payment date of XX/XX/XXXX * XX/XX/XXXX and XX/XX/XXXX have the same payment date of XX/XX/XXXX. * The Month of XX/XX/XXXX is incorrectly reporting a payment date of XX/XX/XXXX * The months of XX/XX/XXXX and XX/XX/XXXX are both incorrectly reporting a payment date of XX/XX/XXXX * The month of XX/XX/XXXX is incorrectly reporting a payment date of XX/XX/XXXX. Since these inaccuracies are affecting me financially, I request that this account be removed from my credit report in whole as a result of the inaccurate reporting of this account. 
Please read this complaint before marking it as duplicate because it has nothing to do with my last complaint. I am disputing the accuracy of this account specifically balance history information.
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 privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX 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 1681 c. ( 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 recordsof 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 According to XXXX : Transunion is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates laws : 15 USC 1681i.15USC 1681S2 . 15 USC1681i5. 1681 USC1681EB : DELETE ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

I was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since XXXX a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$6200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$10000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance XXXX {$6200.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SUBMITTED NUMEROUS DISPUTES REGARD THIS XXXX/XXXX CHARGE OFF ACCOUNT ON MY CREDIT FILE. THIS COMPANY HAS NOT SUBMITTED ANY PROOF THIS ACCOUNT BELONGS TO ME, BUT I HAVE SUBMITTED PROOF THAT I AM A VICTIM OF IDENTITY THEFT. I HAVE SUBMITTED POLICE REPORTS WITH THIS XXXX ACCOUNT MENTIONED IN SAID POLICE REPORT THAT THIS IS A FRAUDULENT ACCOUNT. EQUIFAX HAS YET TO TELL ME WHY THIS CHARGED OFF ACCOUNT IS REMAINING ON MY CREDIT FILE. I HAVE BEEN FIGHTING THIS OVER YEAR NOW. MY POLICE REPORT IS VALID AND HAS BEEN SUBMITTED TO FDIC AND EQUIFAX. THIS COMPANY XXXX IS VIOLATING MY FCRA AND THE FCBA. THEY ARE ALSO RETALIATING AGAINST ME FOR SUBMITTING THESE DISPUTES. IT DOESN'T HURT THIS COMPANY AT ALL TO REMOVE THIS PETTY CHARGE-OFF ACCOUNT, THEY JUST WON'T REMOVE IT BECAUSE THEY ARE TRYING TO HURT ME. WHICH IS A FORM OF RETALIATION. I HAVE NEVER HEARD OF THIS COMPANY NOR HAD ANY CONTACT WITH THEM. EXCEPT TO INFORM THEM THIS ACCOUNT DOESN'T BELONG TO ME. I NEITHER HAVE NOR HAVE ANY PRODUCTS OR SERVICES FROM THIS COMPANY. IN ORDER FOR CREDIT BUREAUS TO LEAVE THIS ON MY CREDIT FILE, THEY MUST SUBMIT PROOF THAT I OPENED THIS ACCOUNT, AND THEY CAN NOT BECAUSE THIS ACCOUNT WAS OPENED ONLINE, WHICH WAS DONE BY SOMEONE WHO HAS COMMITTED IDENTITY FRAUD AGAINST MY GOOD NAME.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : U S DEPT OF EDXXXX XXXX XXXX : {$6200.00} DEPT OF EDXXXX XXXX Balance : {$0.00} US DEPARTMENT OF EDU XXXX Balance XXXX {$6200.00} DEPTEDXXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I noticed inaccurate information on my credit report. listed accounts needs immediate attention regarding deletion due to fraudulent activity and inaccurate information listed below. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer XXXX XXXX XXXX XXXX XXXX Opened XXXX _*Account is not mine belongs to some XXXX else please remove Open XXXX XXXX XXXX ** XXXX XXXX XXXX XXXX {$500.00} Charge off *** REPORTED FRAUD please remove file. 

XXXX  XXXX XXXX ** Closed {$400.00} XXXX XXXX ** Charge off **** REPORTED FRAUD please remove file XXXX XXXX XXXX XX/XX/XXXX {$150.00} * Charge off *** REPORTED FRAUD please remove file XXXX XXXX  **Closed XXXX, XXXX XXXX {$200.00} * Charge Off***** REPORTED FRAUD please remove file XXXX Loan Servicin ** Closed XXXX XXXX XXXX *** Account REPORTED FRAUD please remove file Fingerhut/webbank Closed ** XXXX XXXX {$120.00} *** Account not mine please remove from file XXXX ** Closed XXXX XXXX {$520.00} *** REPORTED FRAUD PLEASE REMOVE FILE
Product: Debt collection

I tried to get a bank account with my current spouse and was denied due to a fraudulent account!!!! I have never banked with 5/3rd Bank in my life!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My car loan was paid off in full. Instead of it reflecting that XXXX only put XXXX balance instead of showing my car was paid off this lowered my credit and cause due harm of negative marketing as well as lowered scores which cause me not to get approval for other car loans.