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

Beginning in XXXXXXXX XXXX XXXX I have been trying to have my credit reported updated to reflect my credit history accurately. I have sent letters to each of the three ( 3 ) major credit reporting agencies ie XXXX, XXXX and Equafax. I have disputed information that each agency has received from third party agencies which was done without my consent. I have asked each company to remove this incorrect/unverified information from my credit reports and all three ( 3 ) have refused to do so stating that they verified the accuracy of these reports. This information could not be verified correctly and the FCRA states that a CRA must remove or correct inaccurate or unverified information from its files. In the time frame given, up until today which is XX/XX/2022, these corrections have not been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts was fraudulently made, Im a victim of Identity theft. I would like to have them removed based upon the fair credit act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} Arent medical bills illegal? I thought they werent supposed to report on your credit.
Product: Debt collection

On a number of dates I 've informed this company I do not have a debt with them and to stop bothering me at work. One more time today, XXXX XXXX, 2017, they called me at work and left a collection message on a company voicemail. This needs to stop immediately. 

XXXX XXXX
Product: Debt collection

They continuously call me and my husband disclosing only the name of their business TSI and stating it is regarding a personal business matter. They do not indcate it is to collect a debt or that they are a debt collector per my rights according to the FDCPA. They call hang up. They call leave no messages. They are calling on a voluntary repo that is a charge off. The account has already been charged off and so they are trying to collect more money from me. I have told them not to contact me numerous times. The vehicle was sold. I owe them nothing.

I am trying to get away from the bank I had the vehicle with for their immoral collection practices and now I am being harassed by this TSI company. I am dealing with a medical hardship and do not need the added stress of this company calling me and refusing to state what they want and the nature of their business other than its a personal.business matter. Per rules and regulations they have to disclose who they are and the specific reason for their call and I requested they not call me therefore they have to abide by that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX   Company Inquiries : XXXX XXXX XXXX XXXX XXXX
Product: Student loan

On XX/XX/XXXX I filed complaint # : XXXX Against AES ( American Education Services XXXX for not granting him a deferment. They responded promptly and gave this student a deferment until XX/XX/XXXX under account number, XXXX. 
The problem is, this student is still in school, and his updated Expected Date of Graduation : XX/XX/XXXX ( about 2 years away ), and AES is unwilling to extend the date of deferment.
Product: Credit card

I applied payment on line to wrong account. Could not transfer payment to correct account. Called four times and was told they would correct it. It was never corrected.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

ex-wife took daughter to hospital without my knowledge, I pay for medical coverage for my daughter.Ex-wife signed financial paperwork at hospital and never paid uncovered costs. collection agency immediately reported to my credit report of failure to pay for uncovered costs. I never entere into any contractual agreement with hospital to pay uncovered cost and I never received any bill from hospital or ex-wife and never received any verbal or written notification from collection agency. I contacted the credit agency and made a complaint and they came back and said that collection agency had documentation proving that I was a responsible party. The collection agency has never provided me with documentation of what was owed or who it was owed to and for how much.
Product: Credit reporting or other personal consumer reports

I am formally disputing the inclusion of an account on my personal credit report, as it violates consumer protection laws. 

This is a business accounts, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only accounts for which a consumer is personally liable should be reported. Listing these accounts as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These Accounts have been deleted from XXXX XXXX. Immediately delete and inform XXXX  and XXXX  to delete also. 

XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX and any hard inquiry requests before XXXX. 

here is the XXXX XXXX credit report dated XX/XX/XXXX and XXXX XXXX file attached.
Product: Credit card or prepaid card

Capital One bank refused to accept my US passport as a means to verify my identity. They insisted on a state driver 's license or government issued identification card. I have lived overseas for XXXX years and have only an expired Missouri license. Of course they can't accept, understood. But maybe two months prior to my application for a new credit card they accepted a scan of my passport prior to sending me a replacement card. My credit history is just a little more than 5 years and is ranked excellent by most credit bureaus. No lates, collections or anything derogatory. I seek to have the card issued or the inquiries removed from my credit reports. This problem began in XX/XX/XXXX when applying for a new card. Later after follow-up calls I was told what stated earlier in this complaint. 
I have always felt a US passport to be the gold standard for ID purposes in the USA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Emails : XXXX, XXXX Date of Birth : XX/XX/XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Re : Dispute of Fraudulent Account Reporting - Consumer ID XXXX To Whom It May Concern, I am writing to dispute the reporting of a fraudulent account that appears on my consumer report, which is maintained by your agency under Consumer ID XXXX. The account in question was reported for overdrafts by Chex Systems , Inc., and the details are as follows : - Account Holder : XXXX XXXX - Date of Birth : XX/XX/XXXX - Reported Address : XXXX XXXX  XXXX XXXX, XXXX XXXX, CA XXXX - SSN/ID : XXXX - Driver 's License : [ State ] - Date of Closure : XX/XX/XXXX - RTN/ACCT # : XXXX / XXXX - Original Charge Off Amount : {$370.00} - Closure Status : UNPAID - Closure Status Date : XX/XX/XXXX I am disputing this account on the grounds that it was opened without my knowledge or consent due to fraudulent activity. I have not authorized the opening or operation of this account, and I have no affiliation with the financial institution associated with it. 

Enclosed with this letter are documents that support my claim of identity theft and fraud, including copies of police reports and any relevant correspondence with the financial institution. 

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into this matter and takes the necessary actions to address the fraudulent account reporting on my consumer report. I am seeking the removal of this account from my consumer report and a correction of the inaccurate information related to it. 

I understand the significance of accurate consumer reporting in maintaining the integrity of financial information and protecting consumers from identity theft and fraudulent activity. Therefore, I trust that the Consumer Financial Protection Bureau will give careful consideration to this dispute and work diligently to resolve it. 

Please inform me in writing of the results of your investigation and any actions taken to rectify the situation. 

If additional information or documentation is needed from my end to facilitate this process, please do not hesitate to contact me at the phone numbers or email addresses provided above. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and the removal of this fraudulent account from my consumer report. 

Sincerely, XXXX XXXX Enclosures : [ List any enclosed documentation, such as police reports or correspondence with the financial institution ]
Product: Credit reporting

I have recently been informed that there is negative information reported by TransUnion, for a " Bankruptcy. '' I sent XXXX, ( who TransUnion reports as there CEO ) a certified letter via USPS requiring a signature, requesting " verification '' pursuant to the " Fair Debt Collection Practices Act of this " Bankruptcy. '' Verification meaning competent evidence bearing my signature. TransUnion received my letter on XX/XX/2017. In my letter I requested for them to remove this " Bankruptcy '' from my report if they could not provide me with competent verification with my signature. I want this " Bankruptcy '' removed. TransUnion did not provide me with any competent verification of this " Bankruptcy '' bearing my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report on XX/XX/2019, I discovered a debt in the amount of {$4400.00} on my Equifax report and {$4400.00} on my XXXX report for an account that I did not open. After filing several disputes and requesting an investigation with Exquifax and  XXXX to have the inaccuracies removed, I found that Exquifax and XXXX continuously and knowingly intercepted inaccurate information from debtor ( s ) XXXX XXXX XXXX., XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. In light of this, Equifax and XXXX failed to compel said debtor ( s ) to  provide proof that the account was opened by me.
Product: Student loan

On XX/XX/2019, I was notified that FHA wouldnt finance a mortgage loan if the dispute was more than {$1000.00}, rather than continue to dispute the student loan, I paid it off with my debit bank card ( XXXX, which comes directly from my banking account. ) I informed the XXXX XXXX XXXX customer service rep, I need a formal letter stating the loan was paid in full for the underwriting department for my mortgage company to compete my loan process. 
I contacted XXXX XXXX XXXX on Wednesday, XX/XX/2019, and spoke with customer service rep XXXX, and she explained that I could not get a formal letter for 30 days because of the auditing process. I explained to her that would not work since I am trying to finance a loan for a townhouse. I asked to speak to a supervisor, and she gave me to a team leader, name XXXX. XXXX said, I can send an informal letter but I still needed to wait 30 days. I explained to XXXX according to the website I paid was reported, and do not understand why I can not received a paid in full letter. 
XXXX sent the informal letter, and I forwarded it to my mortgage, and the underwriting dept. refused the informal letter by 2 reasons : 1. the loan number on the letter did not match the loan number on the credit report, 2. the letter was not proof, that the student loan was paid in full. 
I again contacted XXXX XXXX XXXX customer service dept., and share with them the statement that my loan was paid via my bank statement. Again, the response was, we do not issue formal letter before 30 days. '' I have reviewed XXXX XXXX XXXX website 's FAQ, and there is nothing stating if the loan is paid in full, you must wait 30 days for an audit. Today, I spoke with another XXXX XXXX XXXX customer service rep, and was told that a manager would reach out to me on Monday, XX/XX/2019.
Product: Debt collection

called office and spoke with XXXX to request my account number. She was rude, and asked " what do you want it for. '' This company has attempted to ruin my credit by continuing to re-age an old debt.
Product: Vehicle loan or lease

Subject : Complaint Regarding Credit Denial by Bank of America Dear Consumer Financial Protection Bureau and Bank of America, I am writing to formally lodge a complaint against Bank of America for their recent denial of my request for an extension of credit in connection with an auto loan. This denial is in violation of my rights under federal law, and I am seeking your assistance in addressing this matter.

Pursuant to 15 U.S.C. 1602 ( f ), I assert my right to access credit, which is a fundamental right and not a privilege that can be arbitrarily withheld. By denying my credit application, Bank of America has infringed upon my rights under this statute. Additionally, this denial constitutes a violation of the Equal Credit Opportunity Act ( ECOA ) and the Consumer Credit Protection Act ( CCPA ). 

As a result of these violations, I am filing this complaint to bring attention to the unlawful actions of Bank of America. Furthermore, this letter also serves as a pre-arbitration notice. If my rights continue to be disregarded and Bank of America does not remedy the situation, I will pursue legal action and initiate arbitration proceedings against them. 

I request that the CFPB investigates this matter thoroughly and ensures that my rights under the law are respected and upheld. Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX Account XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, which you claimed were verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to correct the accounts from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter finds you in good health. I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items on my credit file. Despite many multiple attempts to rectify this situation, the fraudulent items persist, causing significant distress and impacting my creditworthiness. 

I have reported this matter on numerous occasions, with each attempt aimed at a swift resolution. Regrettably, the continued presence of these fraudulent items is adversely affecting my financial stability and overall confidence in the accuracy of my credit report. 

I urgently request the following actions be taken : Expedite the process of investigating and removing all fraudulent items from my credit file at the earliest convenience. 

Establish enhanced communication channels to ensure real-time updates on the progress made, providing transparent information about the ongoing investigation and efforts to rectify this issue. 

Implement additional security measures to safeguard my credit file and prevent future instances of unauthorized access or fraudulent activities. 

Given the prolonged inconvenience and the potential impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced. 

I understand the challenges associated with addressing such matters but emphasize the critical nature of a swift and effective resolution to restore my confidence in the accuracy of my credit report. 

Please acknowledge receipt of this letter and inform me promptly of the concrete steps being taken to resolve the issue. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian, cra violation with other company not reporting 100 correct must remove items that are not 100 accurate actually all of them are inaccurate information
Product: Debt collection

I checked my credit report and seen a debt collection that I have no knowledge of.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXX : {$1000.00}
Product: Debt collection

Sent letter to company requesting : contact info, employment status, quarterly wages, XXXX XXXX XXXX ID, asking to contact at work. 
Also signature of XXXX XXXX XXXX XXXX XXXX XXXX reveals that the letter references a collection attempt.
Product: Mortgage

On around XX/XX/2020 I applied for a 1st mortgage refinancing and after satisfying all requested information I was told via e mail that the company I was working with XXXX has been acquired by XXXX however my initial rate of XXXX will be honored by the new company and they will start the process with the new company name. I went along and resubmitted most of the documents twice, sometime three times. They requested additional verification to lower my principal balance and I agreed. Now they are asking me to take additional insurance to cover my personal items although my home insurance covers the constructed building including all amenities. Im a medical doctor with a very good credit and all I want to take advantage of the low rate to lower my payment. Now after nearly 4 months I will not be able to secure the 3 % rate with no points/cost.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in reference to XXXX on XX/XX/2018 i paid the account in full XXXX they took a debt card payment and informed me that once the payment clear that it would be removed from my account well payment cleared in a matter of minutes i did debt and its still on my account as a matter of fact i got an alert from the credit bureau saying the account went from derogatory status to current on XX/XX/2018 and the very next day XX/XX/2018 i get another alert saying XXXX changed it from current to a charge off and saying i still owe them the payment wich is incorrect they lied i tried to get the Credit Agency to file a fraud claim against XXXX because they are clearly lieing the person i spoke with name XXXX from the financial department told me soon as the payment clear they would send notifications to the credit bureau to have it removed well they didn't i paid them they lied and they changed the status they are hurting my credit status im trying to get a house and also i have documents to show my account been paid thank you
Product: Mortgage

I could not pay mortgage on condo unit. The bank sent a Financial Solicitation Package, requesting hardship document, XXXX, income information, etc. After package was sent, I waited. Weeks went by, before i was told a document had expired. I resent document, and waited ; then I was told the case was closed. Finally, after more calls and paper submission, the Modification was denied! I asked for documents to be transferred over for next step in lieu of foreclosure ( Deed in Lieu or short sale ), weeks passed, I was called and asked to resubmit the papers because they could not be reused. I resubmitted the documents. Months later i was told my Deed in lieu was accepted! I had to agree to pay {$700.00} ( not actual amount ) a month for several years & then the bank would take the unit back. The problem with the agreement was 1. The Banks Mortage Assistance Team was only working on XXXX of the loans ( unit has XXXXloans on it ), 2. when i calculated what they were asking for it was exactly what I OWED! ONLY OFFERING ME A LOWER MONTHLY PAYMENT, which was over {$20000.00} dollars. 3. They asked me to send another package to see what they could offer me for the XXXX loan! I could not pay, so i asked for the next step besides foreclosure ; i was then told ; try a short sale. As I was about to work toward the short sale, I received another call from the bank, detailing what I could do before foreclosure. XXXX XXXX stated, i could file for modification, deed n lieu, short sale. I informed her that I filed, refiled, and had waited for almost a year, before i was told everything was denied. She stated, that I could give the property back to the bank. Finally the burden would be over! and it was better than having a short sale denied ( which I was told was a probability ) so I agreed to that, and waited for the papers to be sent. I received, once again, the Financial Solicitation Package! I have worked with XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX. This bank has NO integrity towards their customers. They are NOT working to assist the customers in solving MORTGAGE PROBLEMS. THEY ARE NOT HELPING CUSTOMERS TO AVOID FORECLOSURES.