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

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted these companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency.

Please remove the following 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
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting Act XXXX XXXX has violated my rights 15 USC 1681section 602 states that I have a right to privacy 15USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written Instructions 15 USC 1666b A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for and purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, I contacted XXXX to make automatic payments- I gave them the correct bank account number but the customer rep did not repeat it back to me. Apparently they got the wrong account number and didnt get to process the payment. In XXXX they reported my account as delinquent to the credit bureau which affected my credit score. They said they would look into the previous phone call but have not contacted me and its been almost a month. They offered no other solutions to help fix the wrong credit reporting they did. Please help.
Product: Debt collection

I moved out of my apartment and paid the lease fee and other additional fees that were owed. I asked for proof and received the document showing that I did not have a balance and everything was paid. 
Months later, I was told I had a balance to pay and they couldnt show me proof of how. 
I didnt want this to affect my credit score so out of fear I made payments. This had caused me mental and financial XXXX. I feel like I do not have a right and that they just wanted more money from me. I am scared that this will affect my credit score if I dont continue payments but I am not responsible for this debt and they provided documentation after I paid that I do not owe money.
Product: Credit reporting or other personal consumer reports

i have sent letters requesting a reasonable re-investigation of the inaccurate information reporting on my credit report and they claim its verified. i have attached copies below for your reference
Product: Debt collection

When i was XXXX XXXX XXXX I opened up my first student account, in school they never thought us how to use a bank account and my parents also i runned away from home at XXXX to move in with a boyfriend so nobody really told me how to manage a bank account I was young and XXXX was not in the right mind i was very irresponsible I did not have the knowledge I do now I want a second chance even though it might not work like that but i have a stable job now I am way more responsible now that I am XXXX XXXX XXXX I will not make the same mistake i did when i was younger Now that i am this age I want to get an apartment but they say no due to my credit score which i do not understand because i never had a credit card The only thing is i had a chase student bank account and i left it negative XXXX something i paid it 2017 but i did not know it will mess me up in the future I just want a second chance at this start off clean if that is possible
Product: Mortgage

In   XXXX   I purchased a home in  XXXX , MO for {$38000.00}. I immediately established automatic payments to be drafted from my checking account each month with the loan servicing company and was never late or missed a payment. On  XX/XX/XXXX , Chase Mortgage took over the servicing of the loan. Their communication regarding instructions on how to establish payments was not timely and inconsistent. As a result, the  XX/XX/XXXX  payment due to Chase was late. Payments since  XXXX  have all been on time. There was only one late payment and it was clearly due to the transferring of the loan serving company and all of the associated changes that go along with that transition. The fact that Chase 's communication was lacking in punctuality did not help the situation. Despite the peculiarity of the situation when looking at my payment history, Chase reported my late payment to the credit bureaus and I now have a blemish on my credit report that misrepresents my true credit behavior. I have communicated with Chase directly as well as through the BBB and they refuse to reconcile this issue. They are required by the Fair Credit Act to report issues with credit, however they are failing to meet this requirement as this is not an instance of poor credit, but simply a result of a communication breakdown.
Product: Debt collection

XXXX XXXX XXXX will not pick up phones or answer our emails. We called so many times and sent so many emails ( at least ten times ). We only used their terminal about ten times. We wanted to terminate because they were charging for services we never used. From XX/XX/XXXX till XX/XX/XXXX they charged us each moth and total charges were XXXX dollars. We did not use their services for this period at all. Finally we asked our bank to block it. We got the letter dated XX/XX/XXXX from SWRS ( South West Recovery Services ) to collect {$620.00}. I called them and explained that we do not owe any money ; rather XXXX XXXX XXXX  XXXX charged us XXXX dollars for no reason and should refund our money back. Lady goes it is for the equipment. I told her that we can send their terminal if they send us sticker that we can use to send it back to them. She says it is too late. She was so abusive to me and threatened me to damage my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 7 inquiries on my Experian credit report that do not belong to me I have sent multiple letters to the furnisher and the bureau and it is still on my credit report. 

Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2019 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2019 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/2019 Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/2019 Reason : I don't recognize this inquiry Creditor Name : XXXX  XXXX  XXXX Inquiry Date : XX/XX/2019 Reason : I don't recognize this inquiry
Product: Checking or savings account

On XX/XX/2023, I opened a saving account # XXXX XXXX XXXX XXXX Bank of America XXXX XXXX XXXX CA Branch after I saw its ads of 4.5 % saving interest rate. I was told that as long as I use new money to fund the account, I will get 4.5 % interest rate for 1 year. I transferred $ XXXX from my XXXX  XXXX XXXX Performance Savings account with around 4.3 % interest rate to Bank of America saving account on XXXX, XXXX, 2023. 
To my surprise, I only got close to 0 % interest {$6.00} in XXXX, XXXX. According to my conversation with BOA associate - XXXX today. my account is in the process to be reviewed after 30 days of open date to determine if my account will be qualified to earn promotional rate 4.5 % as promised when I opened the saving account. There is nothing they can do to fix the problem.
Product: Credit reporting

I have tried fro three months to have the XXXX credit bureaus verify incorrect information on my credit reports and i have not received any replies.. i even sent letters certified to make sure they received them and nothing to this date.. They have violated the FCRA and at this point and time they must delete all negative items from the reports .... I hope you are able to contact them in this matter as it has brought me to my wits end. Thank you for your time. Attached is the last letter i sent this credit reporting agency
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has failed and neglected to report my payments for several months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft. I submitted my documentation : ID verification in the form or Drivers License, Social Security Card, Utility Bill, a copy of my FTC Identity Theft Report, A copy of my City Police Report and the accounts listed that I did not Open or was responsible for. My Attorney made me aware of the 4 Business day requirements that the Bureaus must comply by when theft is involved so I sent next day Certified Mail and even enclosed a copy of that law from the FTC. XXXX was the only Bureau that complied with the legal requirements to block this information. They did it in One Business Day. I have continued to have problems with both Equifax and XXXX during this whole Nightmare. They send delay messages saying " they need more time to investigate. '' I have my tracking information with dates they signed for my last round of disputes. I am requesting your help in filing Suite against both Equifax and XXXX for failure to block this harmful information from my credit files and failing to comply with the law. 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 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have tried telephone calls but they are routed to a call center in XXXX I believe and the language barrier is impossible for me to get any resolution.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I have submitted the required documents, including a letter from an advocacy group assisting me as a victim of XXXX XXXX  through debt bondage. This situation qualifies as trafficking under the Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ).

I respectfully request that you block this information from my credit report within four business days, as mandated by Section 605C of the Fair Credit Reporting Act. As a victim of human trafficking through debt bondage, I urge the immediate removal of all related items and the deletion of any associated company information from TransUnion. 

Please proceed with removing the following items : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX/XXXX/2024
Product: Credit reporting or other personal consumer reports

I've noticed that my credit score has taken a huge hit due to several fraudulent accounts being reported under my name. These accounts were opened without my knowledge or permission, and it's seriously affecting my financial standing.
Product: Debt collection

In XX/XX/XXXX, I voluntarily turned over my XXXX XXXX XXXX to the creditor, AC Autopay due to my inability to continue payments. I was notified the vehicle was sold at auction and that the balance I still owed was {$1600.00}. I received phone calls from AC Autopay to request payment, which I was unable to do. I was then informed that the debt had been sold to a collection agency, identified as XXXX XXXX XXXX. I then started to receive phone calls from the collection agency assigned to this debt, XXXX XXXX XXXX, from XX/XX/XXXX until XX/XX/XXXX. On XX/XX/XXXX, I negotiated a lower amount to charge off this debt and issued a check for {$1300.00} to XXXX XXXX XXXX. I did not hear any more from this debt collection agency and noticed that the debt had dropped off my credit report. 

On XX/XX/XXXX I received a letter in the mail from XXXX XXXX XXXX claiming that I owed {$1600.00} for a debt originally owned by AC Autopay. I spoke to a man named XXXX on the phone and assured him that I had paid this debt. He requested a copy of the check, which I emailed to him on XX/XX/XXXX. Again, I did not hear anything further about this until XX/XX/XXXX when I was served court papers from XXXX XXXX representing XXXX XXXX XXXX stating that they were suing me in small claims court for {$1600.00} for their client AC Autopay. I responded to this with a denial of claim and court is now scheduled for XX/XX/XXXX at XXXX.
Product: Mortgage

Inquiry 1 ; which was not answered with any comprehension On or about XX/XX/XXXX ; changes and amendments were made to the Citizens Bank Mortgage Account without authorization by the Mortgagor. Online requests were made but no reply given to the list of questions submitted on : ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ). 

Inquiry XXXX ; which has not been answered at all There was a Deed/Title Transfer/Amendment on the Mortgage Account and/or Property that Citizens Bank gave written approval/acceptance for XXXX Many letters of inquiry submitted via Fax, US Mail, and Citizens Online ; in XXXX XXXX and XXXX XXXXXXXX : ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ).
Product: Mortgage

Our guest house burned down XX/XX/XXXX. We received an insurance payout which went to the mortgage company to be placed in a restricted escrow account. We decided recently to pay our mortgage off instead of rebuilding our guesthouse. Our restricted escrow balance was {$110000.00}. I paid the additional amount back to them that was required to bring the mortgage to fully paid on XX/XX/XXXX. I got a letter from the company on XX/XX/XXXX stating that my mortgage balance had fallen down below the amount being held in restricted escrow. 

Yesterday, XXXX, a monthly mortgage payment was taken from my account and this is XXXX time. They took money from my account that was not theirs at XXXX. They said that it would take XXXX to XXXX  days for them to give me my money back. I asked to speak with the supervisor, and they told me that they were too busy to speak with me.
Product: Credit card

Account is closed and will need to be removed from credit report. In accordance with the Fair Credit Reporting USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit
Product: Debt collection

ACCOUNT NAME ENHANCED RECOVERY CO L Account:XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute an inaccurately reported charge-off account associated with XXXX XXXX XXXX Account Number XXXX on my Equifax credit report. The creditor has failed to substantiate or validate this charge-off in compliance with federal laws and regulations, including but not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : The FCRA requires creditors to report accurate and verifiable information. The reporting of this charge-off account lacks adequate substantiation, as no documentation proving the validity of the debt has been provided. 

Internal Revenue Code, 26 U.S.C. 6050P : When an account is deemed uncollectible and charged off, the creditor is obligated to issue a 1099-C form for cancellation of debt if the forgiven amount meets the reporting threshold. In this case, no 1099-C form has been issued, which raises doubts about the legitimacy of the charge-off. 

Consumer Financial Protection Bureau ( CFPB ) Guidelines : Under CFPB rules, creditors are required to ensure fair, accurate, and substantiated credit reporting practices. Reporting this account as a charge-off without proof of its validity may constitute an unfair and deceptive practice in violation of the Dodd-Frank Act, 12 U.S.C. 5531.
Product: Prepaid card

My account was hacked with over XXXX debits made with no warning from Direct Express of these repeated debits. Many hours were spent repeating these concerns and complaints. No letters about any actions taken although they said they were sent. Ask to for copies of letters. They were unable to find these letters. Was told I would be having refunded money taken back! Still did not produce copy of supposed temporary refund. I believe account was altered to show initial refund on XX/XX/year>. Didn't happen. No increase reflected on statement. Then refunds were shown given in several separate deposits. These refunds were then reversed in lump sum of {$810.00}. Never received any answers even though I contacted Comerica about this. Left messages. 
Opened new account with XXXX. INFORMED
Product: Debt collection

Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.
Product: Credit card or prepaid card

Dear MACYS/CITIBANK, N.A. ( XXXX XXXX XXXX XXXX, OH XXXX Phone ( XXXX ) XXXX ) ; I was shocked when I reviewed my credit report and found late payments on the dates below : XX/XX/2019 ; XX/XX/2019 ; XXXX XXXX XXXX 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly COVID-19, being hospitalized with COVID, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am under distress being declined for a home for my family due to recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. I did not approve it to reflect on my credit report. I believe I am a victim of identity theft. I have a security lock on my credit report and was not informed or alerted of this unauthorized items. 
I have reported the theft of my identity theft to Federal Trade Commission 's, please review the enclosed copies of the Federal Trade Commission 's identity theft Affidavit in regard to this incident ( ftc report # XXXX ). In addition I have attached pdf document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. These items are fraudulent and they have devastatingly impacted my relationships with creditors. Please investigate these matters and remove/delete the disputed items as soon as possible. thank you XXXX  XXXX ACCT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. 

I, XXXX XXXX, consumer and natural person, submitted a complaint through the CFPB to a collection company that pertains a collection account on my credit report. The collection account is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 

The complaint numbers through the CFPB are XXXX and complaint numberXXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under

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

I applied for a loan modification about four months ago with XXXX XXXX XXXX, but their paperwork still has my ex husband 's name on the paper work even though I've sent them and they have confirmed the following : Divorce decree from XX/XX/2015 Quit Claim deed notarized in Colorado They have acknowledged that my ex husband DID NOT sign the original bank note, but still insist that he must sign the loan modification papers, which him and his new wife REFUSE to do. 

Ocwen has acknowledged they have the documents in question, but still will not complete the modification even though I have submitted the three trial payments.