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

XXXX XX/XX/2022 I submitted a CFPB complaint about XXXX XXXX XXXX XXXX I sent them a debt validation letter to prove that the alleged debt they say I owe belongs to me and they send me back a bill demanding me to pay and I dont recall any services with this company and Im not even sure how they obtain my medical information without my consent Which is infringement on my consumer report to privacy as well as a consumer violation and a HIPAA violation Which is damaging my reputation as a consumer
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX called several times looking for information never provided
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I received a text message from XXXX  informing me my credit score had changed. I thought fantastic maybe it went up because I have excellent credit. My score was XXXX at the time, and I look almost every day. But when I looked it had dropped to XXXX.My heart raced as I called Capital One to see what had happened. I keep a XXXX  balance on all my credit cards,20 cards XXXX balance. When I got in touch with Capital One they said I owed {$19.00}, I said for what and they said it was an annual charge. I said why wasn't I called or notified by mail, or email. She said lots of things don't work the same as they use to, due to the covid. I said I should have been notified. Look at my credit and you will see that I never miss a payment. I was not properly notified by my bank XXXX XXXX nor Capital one. There has never been a time that I did not have {$19.00}. I pride myself on having a XXXX  balance. I knew I had no debt or thought I had no debt. Capital One reversed all charges, late fees. XXXX XXXX apologised for not tying my checking to overdraft. Please help me I feel so taken advantage of by people you can't even talk to. I really have done nothing to deserve this. Capital One account # XXXX XXXX XXXX XXXX, XXXX XXXX account # routing XXXX checking account # XXXX. You can look and see all my accounts I had plenty of money in the bank $ XXXX {$15000.00} total in several account 's. Also I feel that the covid 19 has factored in on the way things are handled at banks and financial institutions. People are working from home. Lots of people are new to these jobs and things are getting passed over. It's not fair to ruin ones credit for {$19.00} and especially when they were not properly notified. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Az. XXXX phone XXXX XXXX XXXX Email XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY THIRD REQUEST TO DELETE THESE ACCOUNTS FROM MY CREDIT REPORT THAT I DID NOT AUTHORIZE NOR APPLY FOR. XXXX DELETED THE INQUIRY BUT NOT THE ACTUAL ACCOUNT. WHAT SENSE DOES THAT MAKE. THEY DO NOT BELONG TO ME XXXX XXXX CARD AND XXXX XXXX ( XXXX XXXX ) If you viewed the attached documents.. My birth certificate CLEARLY shows my correct date of birth which is XX/XX/XXXX.. That is not what 's being reported. Please be advised that this is my THIRD WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX XXXX, are reporting transactions or experiences on any of my consumer report ( s ). Per 15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, Transunion failed to fix the errors on my credit report and decreased my credit score by 22 points. My auto loan with XXXX XXXX XXXX XXXX was paid in full but my score was never updated or increased. In addition, my account with XXXX XXXX XXXX was updated as improved due to the account being refinanced but Transunion marked it as a negative on my credit report. 

Transunion is failing to update or correct the errors on my credit report on time and is not increasing my credit score when my accounts and balances are paid off.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and found that I have inaccurate information on my report. XXXX is Reporting 5 late payments from my XXXX XXXX XXXX XXXX  XXXX The late payments are as follow XX/XX/2023, XXXX is reporting as 60 days late while XXXX and Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and Equifax. 120 days late, while XXXX and Equifax is 90 days late. Etc I understand 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. XXXX is violating my rights and for this reason I would like all late payments removed from my report for this account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX Delete these accounts immediately
Product: Credit card

My balance consists of XXXX balances, a balance for purchases at 12.24 % and a balance transfer of 0.00 %. 
My goal is to pay my highest interest rate balance first and avoid any interest charges. 
In the small print section of my statement there is a section entitled " How to Avoid Paying Interest on Balances '' it says any payments made beyond the minimum amount due will be applied to the balances with the highest rates first. 
I tested this on my statement dated XXXX. I made two payments 1 day apart, one in the amount of the minimum balance, the other in the amount of my balance on purchases. When my next statement came in they reduced my purchases balance but not to XXXX. 
The continue to charge interest. This is UNFAIR and NOT CONSISTENT with the law in terms of how payments must be applied. 
This is widespread abuse of american consumers and Chase is making unfair XXXX.
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against RECEIVABLE MGMT XXXX My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Mortgage

We have been behind on our Home Equity Loan with SunTrust. We have been working with them on the XXXX mortgage as well as the home equity loan, but despite all the hoops we have jumped through for them, they have turned us down for a loan modification. Funny thing is that after they turn us down, they send us a packet saying they want to help us!!!! Now, we have finally found a way to get caught up on our XXXX mortgage, and I called the same bank -- Suntrust -- to get caught up on our home equity loan and they informed us they have charged off the loan because we are five days late. WHAT???? Yet, they accepted a {$300.00} payment last month ( XXXX ), a {$500.00} payment just went out, and I am holding in my hand a bill from them saying our due date is XXXX XXXX. How on earth can a bank charge off a home equity loan without sending out some sort of certified mail notification? I am shocked and disgusted by SunTrust. We have been battling with them for over a year over payments they have returned, causing us to be late ( we have proof from our bank but they wo n't admit they returned the money ) -- we finally caught up and now they are trying to charge off our XXXX when we have been sending money every month and are now literally sitting on the phone trying to get caught up. They are a joke and the whole idea of " let us work with you and help you keep your home '' is a fraud. I hope the CFPB can help us to hold them accountable for either their stupidity and incompetence or downright inhuman treatment of hardworking people trying to do the right thing.
Product: Student loan

I have a XXXX XXXX loan that I am attempting to repay, which was originally disbursed in XX/XX/XXXX. The loan was provided by XXXX XXXXXXXX XXXX XXXX ( XXXX ) and serviced by ECSI. I began making payments on the loan until the onset of the XXXX pandemic, at which point it was placed in an administrative forebearance. Now that federal student loan payments are no longer paused, I reviewed my amount due and found it to be a far larger amount than expected ( over {$1900.00} ). In reviewing my monthly statements, it's become clear that ECSI continued to charge interest on my loan during the XXXX pandemic loan payment pause from XX/XX/XXXX to XX/XX/XXXX. Under the details provided on studentaid.gov ( https : XXXX ), I believe ECSI has been charging interest in error. 

My goal is to make a timely payment on this loan, but I feel I've been charged interest in error. I've spoken with both XXXX and ECSI multiple times. Both parties indicate that they are not responsible for the loan and therefore they can not make changes to the loan itself, leaving me with no possible options for resolving this issue outside of paying for the interest that I feel is predatory and illegal, given the federal policy around federal loans during the pandemic. I've spent many hours on the phone attempting to reach a supervisor with no success. 

I am in the process of waiting for a supervisor 's call from ECSI. The reference number for this call is XXXX. The woman I spoke to at ECSI is XXXX. 

Further, I've requested from both XXXX and ECSI documentation to show that ECSI attempted to notify me that interest would be charged during this time in lieu of the federal pause. They have not been able to provide this information.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

OFFICIAL CONSUMER COMPLAINT and FORMAL DEMAND a thorough CHECK of the required CERTIFIED COMPLAINT REPORTING OF PHYSICALLY VERIFIED valid, true, accurate, complete, and timely of the reported alleged claims. Furthermore, I challenge you to provide evidence supporting these claims. As a consumer, I have the right to contest the reportability of any information that is deficient in any way. I demand that you promptly and PERMANENTLY delete any alleged claims of inquiries, delinquencies, or derogatory remarks if you are unable, unwilling, or fail to demonstrate lawful evidence as requested throughout this notice. This removal must be carried out without exception or delay. 

To Whom It May Concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i.

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN to the XXXX credit bureaus that I was a victim of Identity Theft. It seems the XXXX credit bureaus doesn't care at all that I want to dispute unauthorized items that are reportedon my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

Iam writing to formally report a case of identity theft and the exposure of my personal information stemming from a data breach. i have taken steps to mitigate the damage, however I am extremely concerned that despite my efforts to secure my personal information, unauthorized actions have been allowed to affect my credit history. My personal data was compromised in a security breach. Consequently, this led to unauthorized accounts and inquiries being added to my credit report. Currently stopping me from buying a home and ruining my life, currently pregnant and not able to get a bigger home for my twins. Im due to have them in 2 months. My XXXX  is in the military so Im alone and having my credit ruined by thieves and it's overwhelming seeking further assistance from the FTC to address and resolve this matter. These unauthorized accounts consist of XXXX XXXX XXXX opened XX/XX/XXXX acct # XXXX, XXXX  XXXX with a balnce of XXXX opened XX/XX/XXXX acct # XXXX, XXXX XXXX balance XXXX opened XX/XX/XXXX acct # XXXX, XXXX  XXXX bal XXXX opened XX/XX/XXXX acct # XXXX, XXXX  XXXX with a bal of {$1000.00} opened XX/XX/XXXX acct # XXXX, XXXX  bal {$9300.00} opened XX/XX/XXXX acct # XXXX, XXXX federal opened XX/XX/XXXX with balance {$9100.00} acct # XXXX These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made numerous requests regarding a bankruptcy that should not be on my report. I asked numerous times to have it investigated and if it was done correctly, if at all, the decision would have been to remove it. The reporting of this has caused problems for me to be denied unjustly and it has impacted my ability to get things for my children, so it is impacting my household. There is an address put on my report. It is erroneous.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$250.00}XX/XX/XXXX XXXX - XX/XX/XXXX - {$870.00} XX/XX/XXXXXXXX - XX/XX/XXXX - {$120.00} INQUIRIES : XX/XX/XXXXXX/XX/XXXX - XX/XX/XXXX XX/XX/XXXXXXXX - XX/XX/XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Trying to set up XXXX  for payroll for our business, they said we had to complain to you ...? 
WHAT is it going to take to be able to business with this company?
Product: Credit reporting or other personal consumer reports

Please see attached!!!! 
I have reached out to the bureaus and they have failed to comply with my request as a consumer that has rights by law. 
Attached you will find : Letter from XXXX XXXX XXXX ( Identity Verf. ) Utility Bill ( Identity XXXX. ) Picture of Account in question This account obligation was paid and should not be reporting on my consumer report I DO NOT NEED YOU TO START A DISPUTE OF MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAUS ) DID NOT RESPOND / SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED )
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 To whom it may concern : I would like to file a complaint against Experian credit reporting agency, this credit reporting agency for years has intentionally continued to report inaccuracies to my credit file. 

Experian has continued to report fraudulent false information onto my credit file, and they have refused to make the accurate deletions, and corrections to my file. 

They have continued to report false fraudulent late payments onto my credit file, and they have told me by telephone, as well as they have written to me letting me know that they were not going to investigate nor dispute my complaints regarding the fraudulent late payments that they continue to report on my credit file, regarding my mortgage loan with XXXX XXXX. 

I am enclosing a copy of a letter that I just received from XXXX XXXX ; this letter is dated XX/XX/2019, and XXXX is claiming that I have a delinquent or derogatory Real Estate Secured loan on my credit report. 

I have one mortgage loan on my credit file, which is with XXXX XXXX, and for years I have disputed the fraudulent false information that Experian insists on maintaining onto my credit file. 

Experian credit reporting has continued to falsely and fraudulently report onto my credit file, that I have been late many, many, many times on my mortgage payments with XXXX XXXX. 

For years they have reported all sorts of fraudulent late payments all over my credit file with this mortgage loan ; and when I speak to either company, the fraudulent reported late payments get worse. 

It has gotten so bad, that although I have the letter I am enclosing from Experian dated 2019, from speaking to their representatives on the telephone, namely Mr. XXXX XXXX, from what I have been getting during the conversations, and from what I have been seeing from the credit reports that I have received from Experian, they have not been following up on any of the disputes that I have made to them regarding the fraudulent false late payments reflecting onto my credit file, they have not followed up for some time. 

For many years now, Experian has reported all sorts of fraudulent false status information regarding especially, my XXXX XXXX  loan, and other loans as well. 

For years now, whenever I have disputed the false, fraudulent information, between the Mortgage Company and Experian, they have both done more, and more deceitful fraudulent acts with my loan. 

I have never been late with any payments to XXXX XXXX, what Experian is reporting is untrue false information ; and I have had all sorts of issues with inaccuracies from them, as well as the mortgage company, and I want my mortgage loan, as well as my credit files corrected once and for all.
Product: Credit reporting or other personal consumer reports

I request the removal of these inquiries. I'm unaware of the details, and the company proceeded without consulting me.
Product: Checking or savings account

I am trying to close my Robinhood account. I have not been able to do so. There is no active customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle in 2016 with a subprime loan through XXXX XXXX  I paid consistently for 2 yrs then lost my job. I self repossessed returned car which was run through auction. To this day 7yrs later it is still on my credit as an open delinquent account with same money due from before auction. I have contacted them with no option but to pay full amount. They keep checking my credit and will not close account or remove it. It is hurting my chances of ever getting a home loan or better credit. I feel this practice of high interest loans is wrong as it can never be paid off successfully. I need help getting it removed or closed. Please.
Product: Credit reporting or other personal consumer reports

None of this information is mine, I need it to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I deposited {$2600.00} at their atm located, XXXX XXXX XXXX, XXXX, TX XXXX, the atm returned {$100.00} saying it could not read the bill because it was an older {$100.00} bill. Then the atm says it will be keeping everything else. Then I go to the drive through lane and tell the capital one representative that the atm kept my {$2500.00} and returned the {$100.00} from the initial deposit of {$2600.00}. She makes the {$100.00} deposit to my business checking account for " XXXX XXXX '', account # XXXX, and tells me to call their claim department XXXX. I called the claim department and they gave me a claim #, case # XXXX, and tells me it will take 10 business days and can take up to 45 days. I asked them to expedite please and they can not. I deposited that money so that I can pay my bills today otherwise I will be assed over {$500.00} in fees.