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

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, US Dept of ED Account # XXXX, and US Dept of ED Account XXXX XXXX has violated my rights. 

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

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

I contacted Bank of America at XXXX at XXXX XXXX spoke with a customer service representative named XXXX from West Virginia location, and escalated the phone call at XXXX pm EST with a customer service advocate supervisor named XXXX also based in West Virginia. The conversation was regarding my secured credit card recently becoming unsecure. I was told I would not be available to convert my existing credit card to a rewards card. Bank member since XXXX, accounts paid in full every month. I think its unethical with my payment and banking history that I am not eligible for a product change at this time.
Product: Debt collection

Calls before XXXX, and after telling them do not call my phone number they continue to call.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection XXXX XXXX XXXX XXXX - XXXX - {$670.00} Inquiry XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX Personal Information Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX
Product: Credit card

Dear Amex Subject : Urgent Follow-Up - Dispute Regarding Charges for Unperformed Services ( Ref : Letter Dated XX/XX/XXXXXXXX  ) And XXXX XXXX Fax Dear American Express Company I am writing to follow up on my dispute regarding charges for unperformed services, which I first raised in my letter dated XX/XX/XXXX. While I understand that investigations can take time, I am concerned by the conflicting information I've received. 

On XXXX XX/XX/XXXX I received 2 generic letters with no contact name ir telephone number to reply to, informing me that my dispute was being investigated. However, on the same day, I also received another letter stating that my claim was closed due to no response for 30 days. I can assure you that this second letter is inaccurate. I have maintained communication with your company through various channels, including : Submitting a letter on XX/XX/XXXX Contacting you through this website Sending multiple faxes with evidence and asking questions that have never been responded to, including the recent California Superior Court judgment in my favor regarding these charges Additionally, I have called your customer service line every 2-3 weeks for the past 12 months. Unfortunately, I have never been assigned a dedicated representative to handle my case. Each time I call, I must explain the situation to a new representative, which is frustrating and time-consuming. 

To expedite the resolution of this matter, I request the following : A clear explanation of the discrepancies in the information I received A response to my questions. 
Reopen my dispute and assign me a single point of contact to handle my case A prompt response with a concrete timeline for reaching a resolution I have been promised a call back by a supervisor on at least seven occasions, yet none have materialized. I hope that this written communication will finally receive the attention it deserves. 

Thank you for your time and assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my credit FILE and report twice through XXXX XXXX XXXX and Experian. Experian refuses to send my credit FILE after my several attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have been trying to work with Transunion to get inaccurate inquiries of my report I even went a step further and added a fraud alert, but for some reason unknown inquiries continue to pop up. The strange thing about the inquiry is that some of them repeat. I'm currently trying to become a homeowner so I know it's not wise to continue to apply for things, as inquiries could drag your score. I read if you are planning to buy a home to plan to not use your credit for 9 to 12 months in order to prepare. So I have been following that rule. Im not sure if companies are trying to offer me credit and check my report, but if that was the case it should be a soft pull. The inquiries in question are XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX4XX/XX/XXXX, ( Repeat ) XXXX XXXX XX/XX/XXXX, ( Repeat ) XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data XXXX XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. 
I am also attaching proof that I was a victim of the XXXX XXXX breach, and I kindly request that this information be considered as part of my claim. 
I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT 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 XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

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

On XX/XX/year>, I looked at my report. I sent a letter to TransUnion on XX/XX/year> asking them to reinvestigate these accounts : XXXX XXXX XXXX XXXX,, and this is my tracking number : XXXX On XX/XX/year> they sent me their investigation and said these accounts were complete and accurate. 
I looked at my report and noticed everything was the same, then on XX/XX/year> I sent another letter with tracking number XXXX, requesting a description of the methods they used to verify the account, which they did not respond to, and according to 15 USC 1681i 5 they are suppose to do this ( 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 ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681eb they are supposed to ensure this 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.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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: Debt collection

I had an auto loan through Sensible Auto Lending. Unfortunately the vehicle that I financed had too many mechanical problems so it effected my ability to continue my agreed payment arrangement. I contacted the company in an effort to still make a payment even if it was not the full amount.

The interest rate was very high so I was unable to catch up. I eventually had to choose between paying rent or paying for the vehicle so I made a hard decision to surrender the vehicle. The debt is not being reported on my credit and has been sold to a debt collector.

I have no recollection of the debt collector contacting me to resolve the issue. I found out about the lawsuit filed against me when I started receiving junk mail from law firms. The mail that I received from the law firms prompted my decision to do an online search and that is how I found out about the law suit.
Product: Mortgage

This is my I can't complain regarding Chase Mortgage servicer. my first complain number XXXX XXXX - XXXX Why is closed by Consumer Financial Protection Bureau with a letter that was sent out by Chase denial off the wrongdoing to my monthly payment. as of XX/XX/XXXX Chase is still in violation a fair debt collecting Act, Fair Credit Reporting Act, wrongful foreclosure, and transferring my loan to XXXX XXXX XXXX   with incorrect information stop my taxes and loan history. 

I received a letter from chased which I am including as a PDF with this complaint Chase did not fixed my property taxes according to XXXX County. 
I am including my new tax bill which is based on property value of {$790000.00} please look at my build that clearly states my property value is {$790000.00} Letter Dated XX/XX/XXXX send by Chase respond to my complain with the Consumer Protection Bureau clearly states that my property value as the date they send the letter is {$1000.00}, XXXX NOT {$790000.00} I have paid my mortgage on time since XX/XX/XXXX never missed a payment because of Chase negligence and unfair debt collection my credit score dropped 300 points and Chase servicer refused to take my payments of {$4000.00} as of XX/XX/XXXX. I am facing foreclosure because of Chase negligence. the new servicer has received incorrect information from Chase transport in XX/XX/XXXX. Chase 's liable for damages to me financially and I'm very much mentally stressed because of the situation it is hard to function on daily basis and it is giving me sleepless nights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax : This company is refusing to correctly report my information. They will not report my oldest highest limit credit card, even though they have received repeated letters from XXXX that I have an account with them. They are causing financial damages by falsely reporting my information. I have a much higher credit age, lower utilization, and higher credit availability with this card. They are negatively impacting my score by XXXX points by refusing to correctly report my credit information. 

XXXX : This company removed my XXXX bank credit card from my file after XXXX sent them a letter to report my account. This makes no sense and they are causing the same financial damages as Equifax.
Product: Student loan

In XX/XX/XXXX Nelnet advised me to consolidate a federal loan which I recieved to obtain my XXXXXXXX XXXX with 2 consolidated parent plus loans which I got in my divorce. Nelnet advised me to consolidate and assured me it would not affect the Public Loan Forgiveness plan I had been on since XX/XX/XXXX. I made numerous calls to make sure I was given the correct information and each Nelnet representative said the exact same thing - that it would not without a doubt change my PLF plan. Now at XXXX - XXXX XXXXXXXX XXXX says that I only show 4 qualifying payments out of 120 payments due to Nelnet or Dept of Ed 's failure to report my payments and the misinformation I was given by them that consolidating Parent Plus Loans with mu Federal Loan would make my Public Loan Forgiveness payments start over from XX/XX/XXXX. I am devastated because I will be retiring in 5 years and I would have to go on 20 year plan instead of 10 year plan. If I had been advised correctly I would never have consolidated in XX/XX/XXXX. Since XX/XX/XXXX I have made 70 out of 120 payments. However XXXX only shows 4. I am a single parent working on a XXXX XXXX salary with XXXX child in school and helping my other XXXX age student. My low income payments went from 88 because I had XXXX children in XX/XX/XXXX on my tax returns -- since XXXX of my children are grown - and share tax years with my ex husband - I can only show one on tax returns which makes my payments XXXX from XXXX. Now I am struggling making the higher payment each month. I sincerely hope you can help me reslove this by getting XXXX to count the 72 years and lower my monthly paynents. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$7000.00}, {$10000.00}, {$6200.00}, {$280.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7000.00} -This is not my account. 

-- CLOSED ACCOUNT -- 3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 


-- PERSONAL ACCOUNT -- 4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 5. XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$280.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

FNB Omaha credit card, was put on my credit without my consent. Would like to remove from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested an itemized bill due to company telling me the balance was high due to me owning on a phone. Although I never purchased a phone with the company. I only got phone service from the company. I never purchased a phone. Attempts to request an itemized bill was never given after multiple calls and visits to this company.
Product: Mortgage

We are in the unfortunate position of having had our mortgage sold to Nationstar for servicing. Each month we pay the amount due ( principal and interest ) plus an additional {$750.00} toward the principal. We use Nationstar 's online form which allocates the payment accordingly. For whatever reason, Nationstar can not seem to understand that the additional {$750.00} is a payment against the principal. Some months it has been stuck in an escrow account. More recently, after several phone calls and hours spent talking to a representative and being assured that our account has been corrected and that the problem will not recur, the new approach ( last 2 months ) is to allocate to the next month 's payment, reducing the monthly amount due rather than reducing the principal owed. The following is an example of the communication we have been having with Nationstar : Subject : Payment PostingLoan : XXXX XXXX XXXX XXXX. XXXX XXXX CA XXXXDate : XXXX XXXX, 2015 XXXXOnce again we are writing to correct your posting of our most recent payment. We paid our XXXX payment on XXXX/XXXX/15. As we do every month we paid the amount due plus an additional XXXX in principal. Once again you have failed to post this payment correctly. Why is this so difficult? Compounding your error, your site indicates that you did not accept this payment toward the XXXX payment due and that we still owe an XXXX payment. Correct this as well. We are becoming tired of having to constantly correct your accounting of our payments. This is not hard, all you need to do is look at the allocation of the payment that is made with transaction and apply the funds accordingly. The incompetent handling of our account is very frustrating and stressful. We make our payments on time, even early, and expect reasonable service of our account. If you are unable to provide this minimal competent level of service please transfer our loan to some one who will. I would welcome someone calling me and explaining the steps you will take to remedy this situation. I can be reached at XXXX. XXXX XXXXThe only response to this email was to make the corrections requested. However, each month since has continued to be problematic with Nationstar mishandling our additional principal payment requiring calls to the service department. Its delay in applying my additional principal payments obviously impacts the amount of interest I am paying to my detriment but to Nationstar 's benefit. I suspect that my loan is not the only loan being handled this way, and if it is Nationstar is benefiting from its own seeming incompetence.
Product: Debt collection

My name is XXXX XXXX and Im a natural woman submitting this complaint on the behalf of myself without any third party being involved. XXXX, XXXX and XXXX is reporting inaccurate, erroneous and fraudulent collection information on my consumer report, incorrect names, addresses, phone numbers, and employment information that doesn't belong to me or wasn't any transaction made by me without lawful authority, my written consent or authorization. See attached as it includes my statement, copy of my ID, the identifying information of the fraudulent inquiries, and copy of my bill to help verify my identity and proof of mailing address. Pursuant to : FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. 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. not later than 4 business days after the date of receipt by such agency of- 1 ). appropriate proof of the identity of the consumer : 2 ). a copy of an identity theft report 3 ). the identification of such information by the consumer ; and 4 ). statement by the consumer that the information is not information relating to transaction made by the consumer. 
PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX