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

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report. Thank you. 
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 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
Product: Mortgage

i APPLIED FOR A LOAN MODIFICATION WITH M AND T BANK AND WAS DENIED. I HAVE A XXXX XXXX  WITH A RATE OF 6.0 % WHICH THEY REFUSE TO MODIFY BY REFINANCING. I HAVE MORE THAN 20 % REQUIRED FOR THE BANK TO REMOVE THE PMI WHICH WOULD LOWER MY MORTGAGE PAYMENT BY XXXX MONTHLY MAKING IT AFFORDABLE. HOWEVER THE BANK REFUSED TO REMOVE THE PMI UNLESS I CAN MAKE 12 TIMELY MONTHLY PAYMENTS. BANKS SHOULD NOT BE ABLE TO DETERMINE IF PMI GETS REMOVED OR NOT. PMI IS BASED ON THE AMOUNT OF EQUITY. I HAVE EXPERIENCED HARDSHIP AND ASKED FOR A LOAN MODIFICATION AND WAS REJECTED BECAUSE MY INCOME WAS LESS THAN THEY ALLOWED. I KNOW THAT THAT WAS WHY I WAS SEEKING A LOAN MODIFICATION. IF I HAD EXTRA INCOME I WOULD NOT BE BEHIND IN MY PAYMENTS AND SEEKING A LOAN MODIFICATION. REGARDLESS OF ALL I HAVE GONE THROUGH WITH THIS BANK FOR THE LAST 10.5 YEARS I HAVE PAID MY MORTGAGE. I WOULD LIKE THE PMI REMOVED IMMEDIATELY AND IT SHOULD BE AN AUTOMATIC PROCESS THAT WHEN A HOME HAS ACQUIRED THE NECESSARY AMOUNT 20 % THAT IT IS AUTOMATICALLY REMOVED.THERE HAS TO BE SOMETHING PUT IN PLACE TO PREVENT THESE BANKS FROM FORCING MORTGAGE OWNERS INTO FORECLOSURE WHEN THERE ARE MEASURES THAT CAN PREVENT THIS FROM HAPPENING.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( block ) .inc due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( cfpa ) specifically, cash app failed me to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EETA ) and regulation E. These actions have caused significant inconvenience & finance loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOUR NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CITY, STATE ZIP : XXXX XXXX XXXX Fl XXXX XXXX : ( XXXX ) XXXX email : XXXX Social Security XXXX Date of XXXX Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors.

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 


The following inquiry needs to be removed immediately : XXXX XXXX XXXX XXXX Creditor Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : XXXX XXXX XXXX XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 


Creditor Name : XXXX XXXX XXXX Date:XXXX  Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

Creditor Name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, Clients name : XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : account name XXXX account number XXXX Accont name XXXX  account number XXXX Account name XXXX XXXX XXXXXXXXaccount number XXXX Account name : XXXX XXXX account number. XXXX. Account name XXXX account number XXXX Account name XXXX XXXX account number XXXX Account name XXXX XXXX account number XXXX XXXX XXXX XXXX  XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have had damage from Hurricane XXXX, from XXXX foot storm surge in my downstairs. The adjuster came, I received a check, but the check was written to me and my ex 's mortgage company BB & T. XXXX will not change the check for me. From my divorce decree, it is very clear that I am the only homeowner, and because my ex did n't have the cash to pay me off in the divorce, I allowed him to change the mortgage to his own name. BB & T purchased his mortgage apparently. I have made about 20 phone calls to their Property Damage Claim Department XXXX, and have sent in personal documents they have requested despite the fact that I have no relationship with them, contractually or otherwise. I asked them to allow me to get a local branch endorsement so that I could proceed with the hurricane damage repairs, but today they turned me down and expect me to endorse the check over to them and turn my life and house over to their control. The check is for flood insurance that I paid voluntarily due to my property being in flood plain XXXX, which does not require flood insurance to be escrowed or even kept on the property ; I did this for my own safety, and if I did not have any flood insurance, would have taken a financial beating with this hurricane, and BB & T would not lose a dime regardless. I am tired of their meddling in my business, and refused to submit to their demands that I endorse the check over to them, file all manner of paperwork with them and inconvenience my subcontractors. Once again, I have no relationship with BB & T at all, and the mortgage on this property is a very small percentage of the value of the home, yet I would lose a tremendous amount of money if I were forced to sell it with the damage.
Product: Credit card or prepaid card

I was told I would be allowed to cancel by the manager of the business and the credit card company refused to recognize my position.
Product: Credit reporting or other personal consumer reports

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : XXXX XXXX XXXX {$53.00} XXXX XXXX {$930.00} XXXX  XXXX. {$510.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1200.00} Inquires to be removed : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( Bank ) XXXX XXXX ( Bank ) XXXX XXXX ( Bank ) XXXX ( Bank )
Product: Credit card or prepaid card

I Have been a card holder for quite some time and I have never experienced the kind of bad business experience as I Have with the merchant listed above. I tried to order a class ring, they could not get the text right on the ring I wanted, and the rep I spoke with on the phone could not speak XXXX XXXX too well, so I could not understand her too well, she hung up on me, so I told them to cancel the order on XXXX XXXX. I got a email today ( see attachments ), saying they have shipped the order after I told them I " CANCELLED THE ORDER ''. 
I see that I Have been charged for the order even though I requested it be cancelled within 24 hours of the ordering. As a American consumer, I do not have to pay for a service or merchandise I have cancelled before receiving it, and within a reasonable time limit before it is shipped, etc. I have a ' '' 'RIGHT '' to cancel a order and not be charged for it after it has been cancelled. SO, I am requesting that the charge be removed and my account be credited for the amount of {$270.00} since I requested the merchandise to be ordered before the merchant even processed the order, etc. I told them I ordered the ring from another merchant, which is my " consumer right to do so '', it's called " Consumer choice ''. I have provided in this correspondence attachments of copies of emails when I ask them to " CANCEL '' the order on XX/XX/2022.
Product: Debt collection

Diversified Consultants and XXXX are attempting to collect money on an account that was paid and terminated. XXXX breached their contract with me by charging fees that were not allowed under our contract. I therefore terminated services with a {$0.00} balance. XXXX then tried to collect the monies allegedly owed for the remainder of the contract, i.e. {$820.00}. They have improperly reported these fraudulent charges to credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account identity theft XXXXXXXX XXXX XXXXl Open XX/XX/18 Amount XXXX This fraudulent account was previously deleted from credit report but continues to reappear Equifax sent me a letter stating the creditor doesn't show on my report but the creditor still is showing
Product: Credit reporting or other personal consumer reports

Im making a statement Any loan from any financial institution/ organization the company or institution must inform the consumer of their rights. Under the Gramm Leach Bailey Act I the consumer XXXX XXXX have the right to Opt Out of getting my non-public personal information shared with non affiliated parties. Non affiliated third parties such as The Credit Bureaus XXXX, Equifax, and XXXX. This is a violation of my rights by not providing me my Opt-out Disclosure. As a consumer I have the right to privacy and also have the right to opt out of getting non public personal information to non affiliated third parties. Federal Student Aid XXXX is in violation of my rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These Companies has violated my rights under law 15 USC 1666b no law stating any transaction must be reported without my Privacy and consent.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX
Product: Credit card

Upon review of my Chase with Amazon card. I have found they are changing late fees that are over {$8.00} with no knowledge or acknowledgement of this cap. Even stating that they did not believe this rule applied to them. Starting in XX/XX/XXXX. After this is totaling at {$100.00} between 3 late fees. Ranging between $ XXXX. 

Interestingly, after calling and expressing my concern with this issue I was logged out of my account. When signing back in and clicking on my transactions it prompts me to sign in once more. So now I am restricted from viewing the specific value per date ( possibly to prevent reporting ) these transactions after I have called them this evening. The call ended badly. They have offered to wave the most recent of the 3 late fees. After escalation, additionally, wave some interest charges at {$55.00}. But this is obviously not about the money. It is about them following the ruling to stop charging ridiculous late fees. And now I worry about all the other consumers affected by Amazon-Chase refusing to play by these newer rules.
Product: Credit card or prepaid card

I have a care credit card and never missed a payment to pay for some of my medical bills. The minimum amount every month they request is XXXX dollars a month which I always pay over the minimum every month. On XX/XX/2023 care credit charged me the interest of {$100.00} after I made my forty dollars monthly payment which I paid over the minimum due. 

I contacted care credit via- online chat on XX/XX/2023, and spoke with representative XXXX XXXX XXXX told me he would reverse {$100.00} only if I paid off my full medical credit card today under the particular promotion. I told XXXX " I always make my payments on time and also pay over the minimum. '' I told XXXX how can I ever pay off my care credit card if you are increasing my interest to {$100.00} monthly. 

I don't work ; I am permanently XXXX on social security. I use my care credit card for my XXXX XXXX medical injections. I value my credit and always pay on time and never late. 

What is going on? Why does the interest rate change monthly on the same balance?
Product: Checking or savings account

The process of transferring an XXXX to another bank took a XXXX to complete XXXX XXXX XXXX XXXX XXXX  The bank also attempted to charge a {$50.00} fee for the transfer and was going to take it out of the XXXX itself. Truist has become an impossible bank to do business with and I have delt with them for XXXX  years as an account holder and other business associations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : ( original creditor ) # XXXX Account name : ( original creditor ) # XXXX Account name : ( original creditor ) # XXXX Account name : ( original creditor ) # XXXX Account name : ( XXXX XXXX XXXX ) # XXXX  Account name : ( XXXX XXXX ) # XXXX Account name : ( XXXX XXXX  ) # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Due to fraudulent activity and an account take over situation charges were made to my account that I did authorize. USAA failed there and is failing again by not allowing me to close off this account its been almost XXXX months and this account is still active and nobody is helping me close it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX date reported to Experian credit reporting XX/XX/XXXX. 
I filed a dispute according to the law it states that any related medical debt under {$500.00} not be reported to any credit monitoring company. The total amount reported by above said company is {$250.00} Experian blindly ignored this law that took affect XX/XX/XXXX that I pointed out and also was inacted XXXX. Above said company reported it in XXXX. After I filed a dispute and pointed this law out XXXX choose to ignore it which is now hindering my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I put a dispute to Experian  on XXXX to dispute incorrect account information on my credit report. I put a dispute to Equifax on XXXX to dispute incorrect account information on my credit report. These two credit bureaus state that I have two XXXX XXXX XXXX credit cards, which I do not have. These two credit bureaus also provide me with credit report with incorrect full name, birthday and address. 30 days later, I received result from the bureaus saying that XXXX XXXX XXXX verified they reported correct information to them. These two bureaus asked me to contact XXXX XXXX XXXX and get a proof saying that I don't have any credit card with them. I went to XXXX XXXX  XXXX. XXXX  XXXX XXXX said that I don't have any credit card with them. XXXX XXXX XXXX asked me to connect with Equifax and Experian to solve this problem. I spent over 20 hours calling and solving this issue. But it can never be solved. It has almost been 1 year.
Product: Vehicle loan or lease

I leased a XXXX XXXX XXXX thru Ally Financial. Two months ago I was in an accident and it was totaled. My automotive insurer, XXXX paid them off in full. It took a few weeks for it to show up on my account on the Ally Automotive website. When it did ti said " Paid in full '' then one day later all of my information on my account changed to " unavailable '' and I wasn't even able to view past payments. Shortly after my accident I moved to a different address, of which I notified Ally over the phone. They confirmed it and supposedly put it in their system. 

I checked my bank account and on that same day they took out another payment from my bank account for the car, even though it didn't exist and was paid in full. This was on XX/XX/XXXX for a total of {$310.00}. I tried to get a hold of them to get that money back as well as the half of month previous which I didn't have the car for two weeks, ( pro-rate ). 

When I called them they kept telling me they needed to contact another department, but actually just kept hanging up. This happened three times the week of XX/XX/XXXX. Finally, I got a hold of the accounting department and they told me I owed them {$680.00} ( Basically XXXX minus the other payment they took ). I figured I would check the website to double check where it said " Paid in full '' but now all of my information is gone. 

Fast forward to XX/XX/XXXX, where Ally started robo dialing me to " collect a debt '' from the phone number XXXX XXXX XXXX XXXX for a total of 6 times also on dates ( in addition to XXXX XXXX XXXX XXXX XXXX ( twice that day ) XX/XX/XXXX, and again today XX/XX/XXXX. I've answered it a couple of times which is how I learned it was a robo dialer also they never leave voicemails with this number to confirm who they are. Pretty sure you can't make robo calls for debts anyways, but this whole thing is messed up. 

I've requested that they send me the information to my new address, but they tell me they never changed the address, and they demand my social security number over the phone, and frankly, I don't trust them with that information, and the number itself feels like a scam. 

In short : Ally was paid IN FULL by my insurance company after a car accident, they are trying to bill me for an extra XXXX dollars. They owe me at least {$310.00}. They've deleted or removed access to my information online to deliberately hide that fact. They then started using robodialers ( which erodes the safety and trust of sharing information over a phone call ) to harass me into giving them money. They refuse to change the address on my account unless I share very private information over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is continuously getting this account wrong this account is closed the other two credit bureaus got it right the Equifax keep getting in this wrong my account with dream spring is closed it is paid in full