23daVinci/CFPB_Complaints huggingface dataset:
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 breachOF 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 data 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 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 should be blocked : XXXX Account # XXXX Amount : {$0.00} XXXX  Account # XXXX Amount : {$2900.00}
Product: Credit reporting

XXXX XXXX reported a hard inquiry to Experian Credit Bureau on XXXX/XXXX/15.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to delete all my current information off of my credit report. This is ridiculous. This has been an ongoing problem. I sent them a dispute a while ago explaining this. And now on top of deleting current information. They also readded an old file that had been removed. A collection account from XXXX. This had been removed over 1 to 2 years ago. And the collection from XXXX was deleted by the company..please removed all of this errorenous information from my credit file. 
1. XXXX XXXX-correct 2. XXXX XXXX-correct informaiton needed to be added a back 1. XXXX 2. XXXX  XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free XXXX XXXX XXXX XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX  We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SS # ENDING IN XXXX
Product: Checking or savings account

On several occasions Navy Federal have charged me XXXX for overdraft fees and returned checks fees from which I have called several times in the incidents. The last one was in XXXX of XXXX for a returned check. Called an spoke with representative about the account and was told I should've put a stop payment on something I canceled months prior. I've stopped my direct deposit because of these fees. I've been hit with the several times in the month from XXXX of XXXX until XXXX of XXXX. I've been banking with them faithful since XXXX.
Product: Checking or savings account

At XXXX on XX/XX/23, I entered the lobby of US Bank located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX, to request a cash withdrawal of {$6500.00}. I was told that " wasn't possible today '' and to " come back tomorrow after we get cash. '' The cashier then told me they only had about {$2000.00} on hand in the entire branch due to a " cash run '' over the weekend. It's XXXX  at XXXX, so they should have had plenty of time on XXXX  to get cash on hand before XXXX. I know I can go to a different branch but I shouldn't have to. Having less than {$2000.00} on hand for two whole days? Unforgiveable for the 5th largest bank in America during a year with several regional bank failures. 

US Bank customer service and the cashier both told me to try other branches. It's a solution that would likely work, but I shouldn't have to run all over town for a withdrawal like that.
Product: Student loan

I have been trying to get my teacher loan forgiveness app submitted/ approved by Edfinancial for over 2 months. Throughout the month of XX/XX/XXXX, their upload inbox for the signed application materials would not work and I consistently received error messages, including " The requested URL was rejected. Please contact your administrator. '' Support ID # is XXXX. '' I finally got my application items submitted on XX/XX/XXXX. The inbox said it would take 10 business days to review and I never heard back. I sent a message using their email system on XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX and have never heard back. I have tried to call multiple times. One time I was quoted 240 minutes and that I could " request a call back '' - they never called. Today I was quoted 180 minutes, 4 hours and 16 minutes later, they still have not answered the phone and I continue to wait .... I need them to please process/approve my Teacher Loan Forgiveness app. I am eligible for XXXX in loans to be waived due to my 5+ years teaching in a low-income school. Every day that they continue to ignore me, my loan collects interest. Not only do they ignore my TLF application, emails and calls, but they sent me " ecorrespondence '' on XX/XX/XXXXXXXX  about my interest and need to repay the loan, with no option to reply...
Product: Credit card

I called a merchant to get a price for XXXX with a tire repair I needed. I was told a flat rate of {$20.00}. The repair took about XXXX minutes. They asked if I wanted to pay with cash or card I said card I handed them my card. They took it to their area and swiped it. I noticed the next day that instead of the {$20.00} I was charged {$84.00}. The merchant has not called me back. I found a dispute with the bank. The first one was denied within XXXX minutes Without contacting the merchant. So I requested to be reopened and stayed open for a full month. Then it was denied. I was never given a receipt. Nothing was ever entered into any computer. All there was was a phone conversation and an in person conversation. So I requested documents to see what they had that was causing them to follow the dispute. Being that there are no documents XXXX confused as to justification for this being denied.. the company refuses to provide an explanation or any documentation regarding the deny of my dispute. I disputed {$64.00} which was the amount once you took out the {$20.00} that I agreed to.
Product: Consumer Loan

I have a lease agreement with GM Financial. It started in XXXX 2015. In XXXX 2015-GM Financial claimed they did n't receive my XXXX payment. I mailed my payment as I normally did in their provided envelope and with their provided statement. They claimed from XXXX XXXX thru the end of the month -- they did n't receive it and harassed me by calling me at my job and at my home 3 times a day. In XXXX, I made both the XXXX and XXXX payments. My problem is I do n't believe GM Financial did n't get the payment. I genuinely believe they disposed of the payment to illustrate their point that I should acquiesce to their repeated insistence that I sign up for direct debit. The reason this is so important is now they are again claiming they have n't received my XXXX payment mailed to them on XXXX XXXX, XXXX. I have been mailing payments for the last 30 years without any problem. I do n't believe it is statistically possible for XXXX mailed payments not to arrive at their destination with the same creditor. It 's simply not possible. GM FinanciaI has a problem. They are intentionally disposing of the payment, or their quotas for processing payments are so impossibly high that employees are throwing away payments just to keep their jobs. In either case, I am sending my payment in the envelope provided with the payment slip included. In addition, this situation is impacting my credit. I believe this situation would be considered deceptive, abusive, snd unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XX/XX/XXXX I contacted Equifax regarding another person showing on my credit file with a linked address. They raised a dispute and told me within 28 days this will be resolved. I rang back after 28 days and I was told it will take another 28 days. On the XX/XX/XXXX after me ringing several times and complaining and not hearing anything back I was told this information regarding the other person will be removed within 24hours which happened. On the XX/XX/XXXX I then contacted Equifax regarding a credit application that was made under my name several times explaining it was not me, I was told to contact the company directly. the company did not help so I then rang Equifax again and they put in a dispute and again told me to wait 28 days. After waiting equifax got back to me and told me to contact the company again directly, I felt as though I was being taken for a fool. after bouncing back on fourth between Equifax and the company. On the XX/XX/XXXX I asked to raise a dispute again regarding this company information on my credit file and was told within 21 days I will hear back, on the XX/XX/XXXX I was emailed and told the company has agreed to remove these searches. I then rang back yesterday on the XX/XX/XXXX to ask why this information has not been removed yet and after 60minutes on the phone the lady told me the dispute put in was not even for what I had asked, I asked to speak to a supervisor or manager on several occasions but all the customer service advisors would either put the phone down on me or make  excuses and not put me through. I also put in another dispute on the XX/XX/XXXX as this other person who was showing on my report last year had come back on my credit file. I was told to provide my passport and driving license again even though I had previously supplied all of this and I feel like I was being made a mockery out of constantly over and over again. I have still not heard anything back regarding this dispute and it has been over 28 days now. I have never in my life received such appauling service from a company. I am so unhappy and angry as I feel as though I have been fobbed off and ignored and not received any help at all, instead whenever I have rang to speak to a manager I have been either transferred to another customer service advisor or put the phone down on. I have worked in customer service myself in the past and this is not how a customer gets treated ever! I am paying for this service every month and it feels like it is for nothing. I have explained several times that due to all this rubbish on my credit file it has affected my credit score and it stopping me from applying for certain things that I need but I am not receiving any kind of help.
Product: Credit reporting or other personal consumer reports

I ask that you take this complaint seriously and carefully review the attached file. I have been trying for an extended period to resolve the errors on my credit report, but despite my repeated attempts, nothing has been done to correct the inaccuracies. My requests for corrections have been repeatedly ignored, and this situation has become unbearable. 

The impact of these incorrect entries has been far-reaching, affecting nearly every aspect of my life. The stress from dealing with this issue is taking a serious toll on my mental health. Even worse, the errors have lowered my credit score to the point where I cant even afford to seek help due to the negative impact on my financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I '' ve already reached out to this company in XXXX of 2023, and they still didn't fix this. This account that is reporting on my credit report by XXXX XXXX is considered canceled debt, this is considered ordinary income by the IRS, this is an inaccurate account that is furnished on my credit report, the company filed it on their taxes and also reported it on my credit report as debt. The IRS states that this company was supposed to send me a 1099c form so that i could file this ordinary income.They are in violation of law 15 U.S.C sec. 1681e ( b ). This account has to be deleted as this company and the credit bureau is in violation.
Product: Mortgage

1. I shopping and compare HELOC product between two banks 2. XXXX XXXX offer XXXX and higher rate and can not compate with XXXX XXXX 3. I inform XXXX XXXX   list as second lien position and reduced loan amount cause I choose XXXX XXXX to be the first lien XXXX with better rate. 
4. XXXX XXXX loan officer aware the XXXX offer {$400000.00} was accepted by me and willing to reduced loan amount and will to accept second lien position. 
4. 4-5 days after closing, XXXX XXXX disapproval closing and accused me to defraud loan and decide to ending and close all bank relationship ( loan and checking account ) Report to credit bureau that I tried to cheat and scheme loan. 
5. I proper disclosure XXXX XXXX to XXXX XXXX loan dept through email and phone, all intake units aware that I used XXXX XXXX as first lien position and bank still disreagrd all fact and prepare me to close loan as they are the first lien position. 
6. due to their neglect & illegal sale stragy, Fraud and claim dept verdict me that I cheat their loan and report to credit bureau I lie on the loan application, My credit score drop from XXXX ... .. and record will stay for 7 years ...
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was an insurance claim that was paid out by my insurance provider and the gap insurance provider at the time. The amount that is being reported as a charge off, was actually the amount that me and the company agreed would be wrote off because of the total loss insurance claim. I wrote the company to get validation of debt but the letter was returned to sender. Due to company being unreachable at the address on file. In compliance with 15 U.S. code 1681g ( 3 ) ( a ) ( ii ) ( b ) ( i ) ( ii ) which speaks on disclosure to consumers. The credit reporting company never provided information on how, who, and what information was used to say this account was verified. Being in violation of 15USC 1681e ( b ).

The attached 1099C from shows proof that this account can not be considered as debt. I had to file the amount on my return which the IRS says this is taxable income. Which makes the debt paid and the company policy is to discontinue any collection.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Product: Money transfer, virtual currency, or money service

I sent money via wire transfer from my bank ( XXXX XXXX ) to what I thought was the title company at Bank of America. I recieved a call from Bank of America wire fraud department that same evening to verify the wire. I explained that I was purchasing a house. The Bank of America representative that initiated the call to me said that this was a new personal account and not a title company so she was going to cancel the wire and close the personal bank account because it was fraud. She told me to call me bank to have them request my money back. I called my Bank XXXX XXXX first thing the next morning and told them what happened. The person I spoke with at XXXX XXXX filed XXXX requests to Bank of America before they recieved a reply. The reply from Bank of America was that my bank needed to sign a XXXX which released any liabilty from Bank of America and transfers it to XXXX Bank. Since XXXX didn't do anything wrong they are unwilling to sign the form. I contacted Bank of America via email asking if I can sign the form to which they responded and I have to go thru my bank. 
At this point it's been over 7 months and I just want to get my money back that Bank of America is holding. 
Below are the requests that XXXX sent to Bank of America : Confirmation IMAD # for this first request to return is : XXXX on XXXX Confirmation IMAD # for this second request is : XXXX on XXXX Confirmation IMAD # for this third request is XXXX on XXXX Confirmation IMAD # for this fourth request is XXXX on XXXX The amount of the wire sent was {$66000.00} on XX/XX/. 
It was sent to Bank of America routing # XXXX, recipient XXXX XXXX, Credit account number XXXX. 
It was sent from XXXX XXXX account number XXXX. 

Please please help me! 
XXXX XXXX
Product: Credit card

This is not my account and is fraud, Remove this account from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me.

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail.

In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
Account # XXXX, has violated my rights. Account # 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 an account without my written instruction. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I am writing a complaint because Shellpoint, who I have XXXX good standing mortgages with, sent me an email that I had a secure message. I logged in, which was an odd experience because it made me create a new account but I had a recent email from creating an account. The message said they didn't receive attachments to a recent correspondence with them and that I could not respond to the email, but could call. I cross checked the support phone number with my previous mortgage correspondence to ensure it was the same, and it was. I called, was forced to listen to a XXXX second recording stating that I qualified for a XXXX XXXX XXXX XXXX XXXXnd to stay on the line to hear other options. I stayed on the line only to be bombarded with either a real person or a recording which would not stop talking, acted like they were a real person even as I interrupted them, said things like " hang on while I check, yes we can get you over to a XXXX XXXX XXXX  right now '', etc. This is a clear invasion of my privacy, robo email and calling to sell XXXX  products, violation of the use of my private information contained in my mortgage information. I can't find any other phone number, chat or electronic communication to contact them other than this XXXX support number on their website and in their emails. Customer Care Line : XXXX. They are PREDATORS and have NO BUSINESS BEING RESPONSIBLE FOR MY LOAN OR PERSONAL INFORMATION!
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

i received my credit report and noticed inaccurate information and I have provided all inaccurate accounts highlighted on attachment