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

The information is not accurate and has not sent me any proof of debt. Please delete from my credit report immediately. Due to the data breach I am a victim of identity theft. 
15 usc 1681 governs access to consumer report and promotes accuracy Fairness and the privacy of personal information assembled by credit reporting. 
My information was exposed by Data breach
Product: Credit card

In XX/XX/XXXX, I had an outstanding balance of {$510.00} with a late fee of {$41.00} and interest charge of {$13.00} for a total of {$570.00}. On XX/XX/XXXX, I received a voicemail from Comenity Bank stating they wanted to resolve my account on a voluntary basis. I returned the call to Comenity Bank to resolve the account and set up a payment plan to resolve the account in full. The Customer Service Rep helped me set up automatic payments to be deducted on XX/XX/XXXX for {$280.00} and again on XX/XX/XXXX for {$280.00}. These amounts were deducted from my bank and cleared. In addition, the XXXX told me that my late fee would be refunded in the amount of {$42.00} and any residual amounts left over would be cleared after the refund. It was understood that this would completely resolve my account. 

Unbeknownst to me until the billing statement was received after XX/XX/XXXX, an additional late fee of {$41.00} had been applied to my account on XX/XX/XXXX for failure to pay by the due date of XX/XX/XXXX -- thus rendering the previous late fee refund, null. When the billing cycle closed on XX/XX/XXXX, I had an additional interest charge of {$12.00} bringing my account balance back to {$11.00}. Since then, Comenity Bank has charged late fees and interest on a monthly basis. 

On XX/XX/XXXX, I received another call from Comenity Bank to resolve the account. I returned the phone call and explained that I had paid the account off in full in XXXX. The XXXX reported that my XXXX payments made in XXXX were considered " XXXX, '' and I was thus responsible for the late fee, interest, and any subsequent charges thereafter. I stated that I made a good-faith effort to resolve my account in full and was not informed that my payments in XXXX would be considered late or result in additional fees, considering the previous XXXX refunded the XXXX XXXX. This current XXXX consulted with various people during this call and ultimately came back to report that my account would be cleared of the Late Fees and resulting interest. My account has now been reported to credit agencies and is currently sitting with a debt collections company, I am disputing this debt. 

These practices are deceitful. I was not informed that my account resolution would result in additional fees or interest. I was told that my account would be resolved, yet it was sent to collections. I have made a good-faith effort to resolve my debts and have been nothing but deceived and lied to.
Product: Mortgage

Being wrongfully evicted have proof of payments there disrespectful on the phone grandma is having XXXX cause of this going on
Product: Debt collection

I borrowed XXXX which cost me three times as much. Didnt really realized made 5 payments at XXXX still owe them. Cant pay because trying to get my social security I am XXXX years old and live with my mother. Not working and they are harassing my XXXX year mother 4 or 5 times a Day.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I received a copy of my credit report, and I noticed some accounts on my consumer report that had inconsistencies that should not be on there, I disputed them. The CRs did nothing to fix the problem. 

The list of inaccurate accounts to be deleted. 

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 These accounts have too many inaccuracies like payment history, date opened, date reported, date last active, date of last payment, credit limit, and past due amount.

15 U.S. Code 1681b ( a ) ( 2 ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 
15 U.S. Code 1681i ( 5 ) ( A ) In general, If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer The CRs have no respect for the laws that protect the consumer.
Product: Credit card or prepaid card

XXXX XXXX XXXX is not allowing a third party application to access my account even though I approve the access. I should have access to my account.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, certain accounts and inquiries listed on my credit report are fraudulent. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you immediately block and delete the following accounts and inquiries from my credit file. These accounts were opened without my authorization, and I am taking steps to resolve the issue. 
Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$310.00} Fraudulent Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

i disputed this with the credit bureaus XXXX and TransUnion and XXXX I asked them to reinvestigate the completeness and accuracy of my account on my credit report
Product: Debt collection

There is a debt collector trying to collect a debt I know no knowledge of I've never done business with them nor their affiliates
Product: Credit reporting or other personal consumer reports

my rights have been violated as a consumer u.s.c 1666b timing of payments
Product: Vehicle loan or lease

I experienced an issue with my car smelling of mold and mildew dating back to XX/XX/2019. It was determined that there was a water leak by the XXXX peddle, which cause water to come in the car. It cause mold and mildew to grow within the vehicle. My car has continued to have a horrible odor, which has caused me to have headaches and other medical issues. Nissan has still yet to correct the problem with the vehicle or allow me out of lease with the down payment back. They continue to lack communicate and fail to answer any communication. They still continue to drag the process out with no end in sight. I'm looking for assistance with my options due to a manufacture defect that the car had from when I leased the vehicle. There are three other cars at the baron Nissan Dealer with the same leak issue as my car. They are refusing to speed up the process or provide me with a permeant solution to the issue. They have attempted to fix the issue over four times. The vehicle is now having current electrical issue with the starter and doors. The vehicle wont unlock or start with the keyless entry. its not detecting the key fob.
Product: Debt collection

I had credit card fraud on XXXX XXXX XXXX bank statement. Bank of America was notified immediately. I submitted documents proofing it wasnt me. I have a letter of resolution in my favor dated XX/XX/XXXX in my favor. It was then reopened in XX/XX/XXXX by Bank of America. Amount is {$1100.00}. My bank Acct 3 yrs later has been fraudulent confiscated by XXXX XXXX XXXX XXXX, in Ny. For the amount of {$3700.00} from my personal acct. I had not been served papers by o court of law. The fraud happened in NJ. XXXX was filed in NY. Ive sent them numerous docs proving my innocence. They repeatedly have taken weeks to call back & are extremely aggressive. Ive contacted a lawyer, & was told its going to cost me the same amount that was taken. How can people get away with double fraud? Its truly happened here.
Product: Debt collection

On XX/XX/XXXX, I went for a consultation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. At the end of the consultation, the XXXX told me that there is a monthly financing option from Alpheon that I can take. I told her that I will think about it and would need more time to decide if I would like to continue with the XXXX She said, in the meantime, you can sign for Alpheon pre-approval to see how much you would need to pay per month and if that works for you, you can call me by XX/XX/XXXX, and continue the process. I sign the document and I reiterate with her that as long as I cancel the appointment and let her know that I do not want to move forward with XXXX I do not have to pay and Alpheon will not charge me. She said yes, this is just pre-approval and you wont be charged or have an interest rate. I called her before XX/XX/XXXX to cancel the appointment and reschedule later in the year XXXX. To reiterate, I have not received the XXXX service. I only went for the consultation. Past XXXX months from XXXX to XXXX, I have been receiving calls from Comenity Bank saying I owe a debt of XXXX dollars. I have not received the service, I let the merchant know that I did not agree and cancelled the appointment, I was unaware of the charges, and Comenity Bank did not provide me with any information of any claims or anything. I am trying to dispute this.
Product: Mortgage

We purchased a new home XX/XX/XXXX. XX/XX/XXXX we had someone wanting to Assume our previous loan with NationStar Mortgage ( the house we moved out of. ) We began the Assumption process XX/XX/XXXX and submitted everything asked for at the time. We have now been working on this process for just over 14 MONTHS. We 've contacted them I can not even begin to say how many times. They 've given the run around to us from the get go. From telling us they can not do Assumptions ( yes, they can, it 's in our mortgage and loan contracts ), to we had to put her on our TITLE to our house before they could see if she 'd qualify for the assumption, to just plain no response, to documents are missing but no one can tell us what. XX/XX/XXXX we were finally given a list of documents needed including Purchase Agreement and Title Insurance Certificates. These documents were procured and then it took me approximately 3 weeks to get a fax number to submit these documents. On XX/XX/XXXX these were faxed in, all documents requested except for XXXX. They wanted a divorce decree and there WAS no divorce involved in our situation therefore no document to submit. I 've spent the past 3 1/2 months now trying to get an answer and update. All anyone will tell us is that it 's " in process. '' Then, XX/XX/XXXX, I was told that a letter had been mailed on XX/XX/XXXX and give it 7-10 business days to get to us. A letter still has not been received. When trying to call I 've been hung up on numerous times. The woman trying to assume our loan also called about three weeks ago and was ALSO told a letter was just mailed the day before. She also received nothing. This has to end. We 're just trying to do the assumption which is supposed to be a relatively easy process. They 're blatant incompetence and or down-right shadiness is inexcusable if not even, perhaps illegal. I guess we 'll find out.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX XX/XX/year> Consumer Financial Protection Bureau Dear CFPB Team, I am writing to formally request your assistance with an issue I am experiencing regarding an incorrect address listed on my credit report. My name is XXXX XXXX, and my current and correct address is XXXX XXXX XXXX, XXXX, CA XXXX. 

Upon reviewing my credit report, I noticed that the address XXXX XXXX XXXX, XXXX, CA is incorrectly listed under my profile. I am not, nor have I ever been, associated with this address. After researching the address, I found that it is related to a tow or truck yard, making it even more clear that this information is erroneous. 

I have attempted to have this address removed from my report through my credit bureaus dispute process, but to date, the incorrect information remains. The presence of this address on my report is concerning as it could potentially impact my credit history and associated accounts. 

I kindly request that your office assist in ensuring the removal of this incorrect address from my credit report and, if necessary, investigate any steps required for a permanent correction. I would greatly appreciate any guidance or intervention you can provide in this matter. 

Thank you for your attention and assistance. Please feel free to contact me at your earliest convenience if you need further information or documentation to assist with my request. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Credit report IS NOT REFLECTING THE DATE OF LAST ACTIVITY CORRECTLY date OF LAST CONTACT WITH CREDITOR WAS END OF XXXX BEGINNING OF XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXXXXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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

XXXX XXXX XXXX account XXXX XXXXXXXX is illegally violating 1666b by furnishing late payments on consumer open end credit accounts on my TransUnion and XXXX Consumer Files. Also transactions and experiences are excluded from Consumer Files.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

I am a victim of the Equifax data breach and inaccurate information needs to be removed - XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

The banks website reads that one can open an account online and get a bonus of {$400.00}. 
There is a code to be applied. I tried to open the account but the system didn't allow me. Basically it is sort of false advertisement. 

I got a screen that reads to call l XXXX. 
I was asked many times if the bonus was offered in another website. 
I told the customer service rep that it was offered from Regions.com at https : //www.regions.com/promo/paid-media-page/switch-to-regions? XXXX Page Reads : Here 's how to earn a {$400.00} bonus : Open a new personal XXXX  checking account by XX/XX/2022. Get started by opening an account online with promo code XXXX, or register and present your personalized email voucher when you open your account at your local branch. * Enroll in Online Banking within 30 days of opening your account. 
Make {$1000.00} in total deposits that post to your account within 30 days of account opening. Deposits must be new to Regions. 
Your bonus will be deposited directly to your new checking account within 90 days of completing the above requirements.
Product: Debt collection

This alleged collection does not belong to me. I contacted Aargon Collection on XX/XX/XXXX requesting Validation. They responded on XX/XX/XXXX with a printout on dates of services and amounts for ER, Pharmacy services for XX/XX/XXXX. 

I can not identify the documentation they sent nor do I have knowledge of this service. Furthermore, Aargon has violated my consumer rights pursuant to the FDCPA Regulation FXXXX They have reported this collection on my credit reports without going abiding by the new guidelines.
Product: Credit reporting or other personal consumer reports

I have repeatedly disputed three transactions which remain on my report. I have provided the creditor and credit bureaus proof that I am a victim of identity theft and they refuse to update my report. I have provided the police report which included the accounts, along with the report number, and name of the suspect. These companies are violating my rights and federal laws under FCRA Section 623 ( a ) ( 6 ). My report is inaccurate and it is not only affecting myself but my family. The credit bureau and creditor has failed to abide by federal laws which is effecting my livelihood. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are all creditors that Ive never done business with, and have not provided sufficient documentation to determine how account ownership was determined.
Product: Credit reporting or other personal consumer reports

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Credit reporting or other personal consumer reports

I am writing with the utmost urgency to demand immediate action regarding fraudulent accounts and incorrect information illegally reported on my credit report. I am a victim of identity theft, and it is essential that this situation is rectified without delay. 
Under the Fair Credit Reporting Act ( FCRA ), it is your legal obligation to investigate and correct errors on credit reports. Failure to comply with this request promptly will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and potential legal action. 

I expect a prompt response and resolution within 30 days, as stipulated by the FCRA. Please contact me directly if you require any further information. 
The following accounts are fraudulent and must be removed from my credit report immediately : XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX.
Product: Checking or savings account

Hello, I had opened a Bank of America Free Student Checking account back in XXXX. It was supposed to be a free checking account for life as i was told at the time of opening the account but to my amazement I received a statement couple of weeks back stating that they are force closing my account. After talking with their account representatives back and forth multiple times I was told that the bank had sent a letter to my residence stating that the account will be charged a fee starting XXXX. I never received any letter from the bank nor did i receive any email. My account has been dormant for quite a while. I trusted my bank to keep my money safe but now i come to know that they were charging me a fee every month since XX/XX/XXXX and when there were no funds in the account they just closed my account.
Product: Debt collection

They consistently call my phone 3-6 times a day. I have told them that I do n't have contact with the person they are trying to reach and they still call.
Product: Mortgage

Veterans United and XXXX XXXX. Recently I applied and was granted a preapproval for a loan up to {$170000.00} from Veterans United. I am retired, senior citizen, a veteran ( of course ) and a recent widower over the age of XXXX. I now live in Florida ( XXXX XXXX area ). I have limited income to include SS and a small pension. I told them what I was looking for, a condo 1-2 bedroom, etc. They were given my personal information, income, etc. and as stated approved for {$170000.00}. Over 90 % of homes sold in Florida have a HOA. After several days of shopping for a home, I was told by XXXX XXXX ( Loan Officer ) that I would need to deduct from the approved {$170000.00}, {$10000.00} for every {$60.00} of HOA. I never heard of such stupidity, especially here in Florida, the retirement state. The average HOA here is near {$400.00} and can be thousands. This added requirement ( which was not told to me up front ), destroyed my ability to obtain a decent condo, at a decent price, and added to that, they would not even mortgage a mobile home ( which could of been a savor ). I had to pull out and cancel the application ( after messing up my credit for no reason ). My second complaint is with XXXX XXXX wh

o three years ago back out of closing the week the wife and I was about to purchase a home without explanation. It left the wife and I homeless, we had already closed on our previous home and had no where to go. I had to rent a apartment and store my furniture for months. These two companies are a joke and its not fair to any Veteran to be treated like this.