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

Requested for verification and validation into account listed under XXXX XXXX XXXX on my credit report. The credit bureaus never provided a thorough investigation into this specific account and continued to just verify it as " accurate '' without any legal documentation. XXXX XXXX XXXX also could not provide any validation of this alleged debt. The balance on this account is inaccurately reporting across each credit bureau which is in violation of the Fair Credit Reporting Act specifically 1681i as this is inaccurate and false and misleading representations. I have multiple copies of dispute letter requests to each of the credit bureaus which requested investigation into this account. The FCRA requires a 30 day investigation and the removal of items when they can not be verified or are inaccurate. 

XXXX XXXX has removed this inaccurate account and it no longer reflects under my credit report with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCB/JCP - XXXX is reporting 30 day late 's on my account. I was not aware of these late 's, i never received a notice or call from synchrony Bank. I make my payment 's on time and was not late on this account.I should not have these late notations on my account.
Product: Credit card

I'm writing to express my concern about my Capital One charge card account. Despite having only made legitimate transactions, they closed my card and i was asking for reason i was not giving then I received an email stating that I wasn't meeting the terms of my usage. 

when i opined the card Ive contacted the underwriting department and i went through the underwriting processes supplying all necessary documents to confirm my limits before using the card. Now, I have an outstanding balance, and since it's a charge card, I'm facing difficulties in paying it off without being able to charge again. 

I had requested a payment plan, but unfortunately, it was denied. I would appreciate it if we could revisit this decision and explore alternative options for resolving the outstanding balance. 

Please let me know the next steps to resolve this matter. I look forward to hearing from you soon. ''
Product: Student loan

I am once again attempting to place my loan in forebearance and XXXX has refused do do this nor have they provided access anymore to the application. I called them on the phone today and they said only their ombudsman can do this and they transferred me. Upon being transferred, the ombudsman stated that he ( XXXX XXXX did not know whom XXXX was and stated to contact their ombudsman. Because I have filed several complaints against this institution, I believe they are intentionally refusing to service me. Note that I had to file a complaint last year for this very same problem and that was the only way to resolve it.
Product: Credit reporting or other personal consumer reports

This is my numerous attempts to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$660.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance Owed : {$2500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$840.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1700.00}.
Product: Mortgage

Mr cooper is not accepting any calls to service loan. I have called their service number XXXX over 10 times to talk to a live person at XXXX XXXX east coast pressing every number to get though and the company says to call the number I just called XXXX. All I need is to talk to client relations to fix my payment and i have tried every way even calling though their mortgage dept. XXXX. Can you help me talk to Mr Cooper?
Product: Money transfer, virtual currency, or money service

I had been opened a claim on the date of the transfer XXXX XX/XX/2021 XXXX with my bank and on a weekly basis contact status of my claim and my bank sent an email to chase bank to initiate the reversed transaction but nothing heard from XXXX bank almost 95 days passed. 

XXXX XXXX XXXX conversation evidence from recipient is attached below Thanks a lot
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to 3 credit Bureaus to remove this Charge-off Accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the 3 credit Bureaus are required to remove any accounts not later than 4 business days after the date of receipt. Please remove these accounts in my file immediately : XXXX XXXX XXXX XXXXXXXX Balance : {$800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$970.00} XXXX XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

The following companies have made a hard inquiry on my credit report without my authorization please remove : XXXX XXXX Inquired on XX/XX/2024 XXXX XXXX XXXX Inquired on XX/XX/2024 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/2024 XXXX XXXX Inquired on XX/XX/2024 XXXX XXXX XXXX Inquired on XX/XX/2024 XXXX XXXX Inquired on XX/XX/2024 I believe this information to be unauthorized and fraud, please remove. Thank you
Product: Debt collection

I didnt have these insurance policy on the date of XX/XX/XXXX with XXXX XXXX XXXX XXXX for the amount of {$3100.00} or XXXX XXXX XXXX for two other accounts for {$130.00} dated : XX/XX/XXXX and for {$330.00} dated : XX/XX/XXXXIve tried to resolve this matter last year with these companies and they replied these Accounts had been sent to Collections ( CCS Collections ) already and now out of there hands and they could not help me about this matter I tried to explain to the insurance agent maybe another family member Divorced husband ) May have opened this claim at XXXX  XXXX  & XXXX  XXXX  because Ive been divorced for 6 years and it definitely was not myself.I would like to make a complaint against these companies about these matters.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint, Opt-Out of Inaccurate Reporting, and Demand for Compensation Due to Privacy Violations As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am filing this formal complaint regarding the credit agencies and data furnishers. Per the FCRA, I am opting out of any and all authorization for the reporting or sharing of any information related to the inaccurately reported accounts. This includes any written, unwritten, verbal, or nonverbal authorization I may have given, per 15 U.S.C. 6802 and 16 CFR Part 313, which mandate the Privacy of Consumer Financial Information and prohibit unauthorized disclosure of nonpublic personal information.

The FDCPA further protects my rights against deceptive, abusive, and unfair collection practices ( 15 U.S.C. 1692 ), empowering me to challenge and verify the validity of asserted debts ( 15 U.S.C. 1692g ). Congress enacted these protections due to the negative impact of such practices on consumers, including personal bankruptcies, marital instability, loss of jobs, and invasions of individual privacy ( 15 U.S.C. 1692 ).

Due to these violations of my consumer rights and privacy, I am demanding immediate compensation for damages arising from the unauthorized and inaccurate handling, reporting, or sharing of my personal information as specified under 15 U.S.C. 6802 ( b ) and 16 CFR Part 313. Should you fail to act, I will exercise my right to pursue legal remedies as provided by law.

To resolve this matter, I demand the following : Immediate removal of the inaccurately reported account ( s ) from my credit report, as my opt-out under 15 U.S.C. 6801 ( b ) and 16 CFR Part 313 prohibits any unauthorized reporting of my information.

Compensation for the violation of my rights under 15 U.S.C. 6801-6805, 16 CFR Part 313, and 15 U.S.C. 1692k, due to inaccurate reporting and unauthorized disclosure.

Written confirmation of actions taken to comply with my requests as required under 15 U.S.C. 6803 and 16 CFR Part 313.

If these demands are not met, I am prepared to take further legal action to ensure my rights are upheld and to secure full compensation for damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX XXXX XXXX # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 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
Product: Payday loan, title loan, or personal loan

I inquired about a loan with this company online. Since the inquiry, in one day I received 40 phone calls AND voicemails from this company. I called the company to tell them I was no longer interested and to remove my phone number from their contact list. They asked " What is the problem? ". I told them I no longer want to receive 40 phone calls and voicemails in one day. The man told me ok, but I got no confirmation except an " OK '' that they would not call me.Since I talked to the company, I have continued to receive multiple voicemails, each voicemail is 3 minutes apart, and phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX XXXX XXXX, XXXX incorrectly reported to Credit Reporting Agencies that our two mortgage accounts had missed payments and late payments. Our credit scores dumped about 60 - 70 points ( for myself and my husband ). The same thing happened in XXXX, XXXX, but they fixed it. They blamed it on their software. I contacted the XXXX Department of the Consumer Ombudsman, and XXXX XXXX said she would fix it, as she did the previous time. Then she pushed the issue of onto XXXX XXXX. He claims that XXXX and Equifax have not bothered to fix it despite XXXX sending updated information, and calling them. However, in XXXX, XXXX sent me a copy of an AUD Correction Indicator Form dated XX/XX/XXXX, that contained multiple zeros on the second loan listed ( our home ). 

This issue has been ongoing for 3 months and they have still not fixed the problem. They keep blaming it on XXXX and Equifax. However, the mistake was theirs to begin with. Therefore, I feel that it is their responsibility to fix it. On Friday, XX/XX/XXXX, I missed a call from XXXX XXXX. I called back an hour later. No answer. Left a message. On Monday, I called Mr. XXXX again but there was no message on the voicemail. I called Ms. XXXX, Team Lead, and told her I did not want Mr. XXXX to be our contact any longer because he did not fix the problem. I want Ms. XXXX to be our contact, as was the case previously. I then called XXXX XXXX, Supervisor in the Ombudsman 's office and left him a message saying that this issue is dragging on for way too long and that we want XXXX XXXX to be our contact, as before, not XXXX XXXX. I did not receive any phone call back despite leaving 3 messages today. ( I could not leave a message for Mr. XXXX due to the issue with his Voice Mail. ) XXXX is notorious for their poor customer service and have had many lawsuits filed against them, along with many limitations placed on them by government agencies due to their fraudulent and misleading business practices. I just want them to fix our credit scores!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, i have sent multiple letters to XXXX, XXXX, Equifax over the course of a few months. I believe i was a victim of ID theft. I attatched a copy of my ID, SSN card, FTC report, and Cover letter. Last letter was sent out XX/XX/2020. There are accounts on my credit that arent mine.
Product: Debt collection

Medical Data System continues to report an unpaid collections amount of {$2100.00} on my credit file which is negatively impacting my score. I was laid off from work for some time and sent payments to the XXXX XXXX which was the original creditor. I was still making payments directly to XXXX and was never notified by the hospital that they had turned the file over to Medical Data Systems. Once Medical Data Systems got the file, I set up a payment plan with them and they automatically deduct $ 50 monthly from my account to pay this debt. I was threatened by a representative from Medical Data Systems back in XXXX of this year saying that even if I did setup a payment plan they would still report me to the credit bureaus to hurt my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the fraud that you are not hindering records when I sent a copy of the FTC report. I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never applied for any of thes items I called equifax and told them i sent them info on deleting these items along with a police report and they said they couldn't do anything for me now this situation is stopping me from obtaining things i want in life for me and my family.
Product: Checking or savings account

On XX/XX/XXXX I accompanied my mother to Apple Bank for Savings at the XXXX XXXX Branch. One, to inform them of the passing of her husband and, two, the transfer his two savings accounts in trust for my mother into her accounts at the same bank. On XX/XX/XXXX, we provided the branch with an original copy of her husband 's death certificate and were successful in moving one of her husband 's account holdings into my mother 's savings accounts. We were informed by XXXX XXXX Customer Service Representative that the funds in the second account would not be available for 30 days. When we returned on XX/XX/XXXX we were told that we must have a letter of administration to release the funds. When I inquired as to why, with Assistant Bank Manager XXXX XXXX, she informed me that it is a state regulation. I asked why I was not informed of this regulation on XX/XX/XXXX and why one account was released and not the other? I also informed her that l would now have to return to my attorney and pay additional fees and court costs to add this information to our court filings. Ms. XXXX did not provide me with an answer and simply stated that she " could not tell me why I was not told and that she could not release the funds. '' Upon consultation with my attorney, I found that additional court documents were not required on any account with a beneficiary. The account in question has the same passbook title as the transferred account. It is clearly titled : In Trust For " ITF ''. Why is Apple Bank for Savings holding and refusing to release these monies without court documents and at great expense to me? 
I find this to be unacceptable, incompetent, deceptive and fraudulent
Product: Vehicle loan or lease

I've been trying to get my car titled and registered in XXXX  for 2 YEARS, and they have refused every step of the way to help me. I am still paying Capital One for the loan, but they will not send the DMV, or myself, the documents I need to register and title the vehicle. I was living in XXXX, now I am in XXXX. My car is two years expired because of their refusal and inaction, so essentially I can not use what I am paying for. I was recently escalated to tier 3 customer complaint, The Office Of The President, or something and haven't heard anything in almost two weeks when the representative said she would resolve this ASAP. I call their Auto Finance help line and every time I call the automated answer says " I'm sorry, we're unable to take your call at this time ''. I haven't been able to reach anyone for weeks. The last time I called, I went through their personal loan line to have someone connect me. I don't know what else to do.
Product: Credit reporting or other personal consumer reports

There are multiple unauthorized hard inquires in my consumer reports that I did not authorize, multiple names that are inaccurate and not me, and multiple address that are inaccurate and that is not the correct address. Please block and remove the following : 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. My correct name is XXXX XXXX and my only correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Product: Credit reporting

I voluntarily turned in a pick up to   XXXX   XXXX   due to health problems  (  back problems ). The loan was up to date and the unit was sold leaving a remaining balance. The remaining balance was payed off as requested by the lender. My action was voluntary and accepted at all times. As you can see the payments were  XXXX .
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the following account : Account Details : Account Name : XXXX  XXXX Account Number : XXXX High Balance : XXXX XXXX {$660.00}, XXXX : {$660.00}, Equifax XXXX {$500.00} Date of Last Verified : XXXX : XX/XX/XXXX Date of Last Activity : XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX Date Reported : XXXX XXXX XX/XX/XXXX, Equifax XXXX XX/XX/XXXX Date Opened : XXXX XXXX XX/XX/XXXX, XXXX/Equifax : XX/XX/XXXX XXXX Owed : {$0.00} Account Status : Closed Payment Status : Current Two-Year Payment History : Late payments noted for XXXX ( 30 days late ) and XXXX ( 60 days late ) for XXXX Despite multiple requests for correction through disputes filed on XX/XX/XXXX and XX/XX/XXXX, the inaccurate information has not been corrected. This failure violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of the information in consumer files. The presence of late payment notations that are demonstrably inaccurate violates this mandate. Additionally, creditors are obligated to send accurate information to the credit bureaus as outlined in 15 U.S. Code 1681s-2.

TILA Violations As per 15 U.S. Code 1666b, periodic statements must be provided at least 21 days before the payment due date. The inaccurate late payment reporting suggests that the creditor may have failed to comply with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) This act reinforces the need for creditors to send timely and accurate statements to prevent unfair penalties to consumers, which has not been adhered to in this case.

The continuous failure to address these inaccuracies has caused significant harm to my creditworthiness, affecting my ability to secure credit and financial opportunities.

Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report.

Written confirmation of the correction within 15 business days.

If this issue is not resolved promptly, I will escalate my complaint to include legal action and additional complaints with other relevant regulatory agencies. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting

XXXX did a hard inquiry and Transunion provided this data without my permission. I provided permission to XXXX to do it only once 1.5 years ago. 

Inquirer 's contact data : XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I had to declare XXXX XXXX XXXX due to a XXXX XXXX  This put a real strain on my life not being able to get credit especially during the time when covid hit the us. I new the risk I was taking but for 8 years my credit has been outstanding. This negative mark reflected on all three credit reports XXXX, XXXX, and Experian. Recently I contacted each credit reporting agency and the only ones that that removed that negative mark was XXXX and XXXX. They listened as I explained my situation and granted my request to remove this negative mark off my credit report. I also contacted your business ( Experian ) the person I spoke with didnt want to even hear what I wanted to say. He was so rude that I ended the conversation with him. I know there are rules that follow but during these times after 8 years of good credit this should be removed. Please Im trying to get my life back on track
Product: Credit reporting or other personal consumer reports

This information on this close account is not accurate. Please delete this from my credit file. Thank you.
Product: Mortgage

The problem is with U.S. Bank Home Mortgage # XXXX. 
I am being shaken down my current XXXX XXXX XXXX company for triple the current premium and I need to get a new policy. However, I have a XXXX XXXX policy and I have been trying to send send them documents that should be adequate for coverage. I have been unable to upload the documents via their website and the fax was not going through either. I can mail these documents but it will cost me a lot of postage to send the multiple pages through the mail when this should work electronically. The bank can't figure out a way for me to do this electronically? Are we still living in the 20th Century? Why can't the bank 's website work. The bank 's website works when I make a payment but when I am trying to save money with insurance it doesn't work? I guess that works out well for the bank who can write home insurance policy that is triple what I am paying now? Please help me because nobody is respecting my rights or communicating with me and since everybody I talk to on the phone is a women I feel I am being discriminated against for being a white male with a small mortgage.