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

I had an XXXX credit card acct # XXXX with a balance of {XXXX} was sold to XXXX on XX/XX/2012.I had attempted XXXX on several occasions. No response. I have written them .letters returned to the sender.phone numbers didn't work.IXX/XX/XXXX had complaints on them. I have disputed this item 's with the three major credit reporting agencies. THEY'RE investigation was not to my satisfaction. No successful outcome. I would like to have it deleted.Im rebuilding my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Product: Money transfer, virtual currency, or money service

The company is on my account taking money from my account from a card that supposedly is mine which is not the card I am speaking about was my virtual card but on my account its able to withdrawal my funds which is not possible because no know where on Earth you can withdraw funds with a virtual card this card was canceled almost 2 years ago and the same card it's still on my account withdrawing money they are changing documentation adding false documents changing statements adding transactions when I fill out a dispute is for the wrong amount and wrong transaction they are on my stocks they are in my XXXX wallet taking falsifying documentation transactions dividends etc
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has failed to properly investigate my disputes according to the FCRA, and provided me with an automated response. there are inaccuracies reported on my credit report to all credit bureaus. Furthermore TransUnion has failed to provide proper investigation results XXXX  XXXX XXXX Inaccuracies : Last verified date Date of last activity Date reported Date opened Date closed Last payment Account type Credit limit XXXX XXXX XXXX Inaccuracies : Last verified date Date of last activity Date reported Date opened Date closed Last payment Account type Credit limit Account number XXXX XXXX XXXX Inaccuracies : Last Verified : Date of Last Activity : Date Reported : Date Opened : Closed Date : Last payment XXXX XXXX XXXX Inaccuracies : High Balance : Last Verified : Date of Last Activity : Date Reported : XXXX XXXX Inaccuracies : Date Opened : Balance Owed : Closed Date : High Balance : Last Verified : Date of Last Activity : Date Reported : Date Opened : Balance Owed : Closed Date : Please see the several issues on my report and address them accordingly : These inaccuracies are highly injurious to my credit rating and are being reported across all credit bureaus. These inaccuracies fail to meet FCRA requirements. 
I have never received a XXXX form for the above charged off accounts XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : I do not recognize how these accounts are reporting on my credit report I dont recognize the account number, status, high balance, or late payments associated with it. everything reported here does not meet the FCRA reporting requirements Fair Credit Reporting Act, Section 609 I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding the items listed above that are listed on my consumer credit report : As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer-generated confirmation. 

Please provide : 1. The names and business addresses of everyone with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual furnishers of information. 
3. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Debt collection

Demand for Investigation and Resolution of Cashiers Check Payment From : XXXX XXXX Phone : XXXX Email : XXXX To : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX Date : XX/XX/XXXX Subject : Urgent Demand for Investigation and Resolution Cashiers Check Payment ATTN : Compliance Department I am writing to demand an immediate investigation into a cashiers check payment of {$19000.00}, which was issued to XXXX XXXX XXXX and cashed, yet the outstanding balance has not been removed from my account. This matter requires your urgent attention and resolution within XXXX ( XXXX ) days. The cashiers check, issued by XXXX XXXX XXXX XXXX ( NFCU ) on XX/XX/XXXX, was made payable to XXXX XXXX XXXX and has been cashed. Despite this, my account continues to reflect an outstanding balance. I have attached a Declaration of Loss adavit was filed regarding this payment, demonstrating the check was properly issued and subsequently cashed.

Immediate Demands : 1. Full Investigation : Conduct an immediate review of your records to confirm receipt and processing of the cashiers check.

2. Account Adjustment : Remove the outstanding balance from my account and provide written confirmation.

3. Proof of Resolution : Send a formal response confirming the resolution of this matter, including details of the check application to my account.

Legal Notice : If this issue is not fully resolved within three ( 3 ) days from the date of this letter, I will pursue all available legal remedies, including filing a lawsuit against XXXX XXXX XXXX for unjust enrichment, fraudulent misrepresentation, and violations of federal and state consumer protection laws. 
This matter is serious, and failure to correct this oversight promptly will result in formal legal action, including a claim for damages, attorneys fees, and statutory penalties. 
Please confirm receipt of this letter immediately and provide a written resolution no later than XX/XX/XXXX. 
Sincerely, XXXX XXXX Phone : XXXX Email : XXXX Enclosures : 1. Declaration of Loss Adavit 2. Cashiers Check Details 3. Proof of Check Issuance and Payment
Product: Payday loan

When I agreed to a payday loan from Big Picture Payday Loans, I agreed to a XXXX loan and the XXXX interest to repay it. I was only to pay XXXX total as a re-payment. The first of XXXX I paid the XXXX dollars which was the interest payment. So I tried to pay the remaining XXXX on the end of XXXX and XXXX of XXXX the had added the XXXX back on the loan, and stated that I 'm suppose to pay XXXX each month plus the XXXX that I actually received. They did n't say that when I agreed to the loan. I 'm on a fixed income so had I known they were going to do this I would n't have done it. I paid XXXX on the first of XXXX, and again the said I still owe XXXX the are not even crediting my account. I asked to speak with a supervisor and they never would transfer me I kept getting " disconnected ''. I had to close my bank account in order to stop them from causing me overdraft fees. I need some assistance on what I need to do.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have sent XXXX letters certified mail and have not received any original contracts. 

Also have not been removed and have been illegally reporting on my credit file and putting debt on my report and hurting me. 

For example XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation.

As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed descriptio
n referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o.

Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised in which lead to someone opening up fraudulent accounts in my name therefore Im demanding that the following accounts be blocked and removed from my credit files. 

a. XXXX XXXX XXXX {$68.00} b. XXXX XXXX {$1700.00} c. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

So I disputed online and sent the document off on XXXX. To remove personal information I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

" Resident Verify '' and " XXXX XXXX '' is in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my Experian, XXXX, and XXXX consumer report on XX/XX/XXXXXXXX   and XX/XX/XXXXXXXX   without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose. 

A person shall not use or obtain a consumer report for any purpose unless ; The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 

The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ). 

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

I have not initiated any transaction with Resident Verify or " XXXX XXXX '', Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).

15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I pulled my free annual credit report, after going over my report I discovered someone or persons, has used my likeness to open accounts without my authorization. The following accounts are fraudulent. XXXX XXXX opened XX/XX/XXXX with charges of {$16000.00}, XXXX opened XX/XX/XXXX with charges of {$410.00}, XXXX XXXX opened XX/XX/XXXX with the charges of {$1500.00}, XXXX   XXXX XXXX opened XX/XX/XXXX with charges of {$4000.00}, XXXX opened XX/XX/XXXX with charges of {$6000.00}. I have filed a complaint with the FTC please see attached complaint report.
Product: Mortgage

I signed a retainer agreement with law firm for loss mitigation on 1st mortgage with XXXX  XXXX XXXX and second mortgage owned by XXXX  XXXX XXXX acquired through XXXX XXXX  between XXXX and XXXX. XXXX  XXXX XXXX failed to modify our second mortgage and in XX/XX/XXXX offered us a settlement between {$75000.00} and {$78000.00}. We were not able to come up with the cash and in XX/XX/XXXX, XXXX  XXXX XXXX offloaded the mortgage to Planet Home Lending. 
The above information was shared with XXXX XXXX law and they offered to assist. Total payments made to the law firm was {$3100.00} as follows : XXXX XXXX {$490.00}, XX/XX/XXXX {$710.00}, XX/XX/XXXX {$420.00} and XX/XX/XXXX {$1500.00}. 

I requested for document submitted on my behalf by the law firm and the written response they received and they could not provide any of the requested documents. 

Planet Home lending is now threatening to foreclose and force a sale of my home. Documents filed on behalf of Planet Home Lending by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX is attached
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account.These fees were assessed depite having sufficient funds available at the time the transactions were authorized.However, due to delayed posting of charges and credit was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settle with insufficient balances despite initially having adequate funds.I believe these practices are deceptive and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently learned I am a victim of Identity Theft. I have been taking action against this violation and trying to clean up the inaccurate records listed on my credit reports. 

I noticed all three credit bureaus listed a Public Record that was not mine. I then researched their method of verification and learned they all obtained their information via XXXX XXXX a third party company. 

On XX/XX/XXXX I sent a certified letter to XXXX XXXX asking them to explain where they obtained their information and why it was in my file. XXXX XXXX responded stating they could not verify the public record and has subsequently deleted this from my file. 

Following this XXXX XXXX correspondence I submitted a letter to all three Credit Bureaus via certified mail on XX/XX/XXXX asking them to remove the inaccurate information. 

Instead of removing the inaccurate information Experian and XXXX XXXX continue to promote this negative information. I then sent a second certified letter on XX/XX/XXXX again asking that they take my concern seriously and remove the inaccurate information from my file. I heard nothing from Experian. 

On XX/XX/XXXX I tried calling both Experian and XXXX XXXX to confirm they received my dispute. I was only able to speak with a XXXX XXXX representative who told me he would re-submit a phone dispute. On XX/XX/2022 I received a letter from XXXX XXXX stating they have reopened and completed their phone dispute but they still have not deleted the information. Instead they are still reporting this negative information as accurate. 

I still have not received correspondence from Experian following my second dispute letter sent on XX/XX/XXXX. 

I need some help because XXXX XXXX and Experian are not re-investigating the information. If they had they would see this information is not in my XXXX XXXX XXXX and therefore remove the inaccurate data from my credit report. 

XXXX has re-investigated my dispute from XX/XX/2022 and has deleted the inaccurate public record. I don't understand why is XXXX XXXX and Experian would ignore my request and even break the law by continuing to report this negative information.
Product: Mortgage

XXXX and I opened a Home equity line of credit with XXXX bank XXXX/XXXX/XXXX it was an interest only line of credit, which we used to pay for XXXX expenses as we sent her back to college. Harris Bank bought XXXX in XXXX XXXX, by XXXX XXXX we received the letter telling us that the loan was no longer offered and we could work with them to convert the loan. We began working with XXXX XXXX ( XXXX ).  After several weeks, we were almost to the end when XXXX ask for XXXX Social Security number. Being concerned about Identity theft we sent the last email asking her to look it up on the taxes we had sent earlier, I did a follow up with a phone call and gave it to XXXX verbally, and confirmed that was all she needed from us. 
We didnt hear anything else from Harris, now BMO until XXXX XXXX, XXXX and we received a refund for interest (? ) following with the letter XXXX XXXX, XXXX giving us to XXXX XXXX to address the issue. We had contacted BMO and we referred to the recovery department and they were looking for an offer to pay off the loan and were told that getting a loan modification was not an option. When I asked where my loan went for 2 years I was told that since I had not giving all the information on the first application my file was closed, I told them I had, and was inform that was not the case ( please refer to my emails ). As of XXXX XXXX, XXXX BMO reported the loan are a write-off and my credit score dropped to XXXX, even though the last letter said the was no negative reporting. I then contacted XXXX XXXX the manager XXXX branch where the loan was originated and asked her to fix my credit. I gave her copies of my documents and indicated she thought she could help. Over 60 days later ( and many phone calls ) she informed me that the only option I had was to work with recovery and they will not fix my credit. Desperate a referred back to the last letter and contacted the department listed and currently am working with XXXX XXXX, to get a loan modification, however this is not a sure thing and it will still not fix my credit. 
The long and the short of this is BMO should have never closed my loan application in XXXX. In reviewing my credit score after XXXX XXXX, the loan was listed on my report and without and payments and my score dropped to XXXX for not having on time payments and using over 90 % of my available credit, which I was unaware of until recently. After it was reported as a charge off it dropped to XXXX. I have contacted my own bank who will not give me a loan with a score so low. I have never tried to get out of paying this loan, I have only dealt with BMO in good faith hoping for the same but, by BMOs actions, I am trapped, I can only take whatever they offer me. I need you help as my advocate, Im out of options.
Product: Credit reporting

I had a doctor 's bill from XXXX that I was supposedly served a judgment on in XXXX but it was n't until XXXX until the judgment actually went through at the court ( I 'm probably using the wrong terminology but I hope you understand what I 'm trying to say ). The problem is, the address they supposedly served me at in XXXX I was no longer living at. I was in the middle of moving and I ca n't remember the exact date I moved from XXXX address to the other but I 'm 99.9 % sure I never received notice of this. 

Last year I pulled a copy of my credit report and noticed this and reached out to the collection agency and asked what I could do to clear this up. I was told the balance was around {$700.00} but if I paid {$500.00} they would have it removed. I paid it and a few weeks later I found out this was incorrect. I was then told by the President of the collection agency ( XXXX XXXX ) that if I paid the remaining balance it would be removed. At this time I paid {$360.00}. Once again it did n't come off but I did get a refund check from them a few weeks after this for {$150.00}. Supposedly the amount in their own system was inaccurate and they billed me the wrong amount right up until this point. 

The amount entered into the judgment is incorrect. The original balance was {$1000.00} but after making over {$400.00} in payments & two years later ( well, 4 years until it was entered at the court ) the balance was STILL {$1000.00}. The same amount to the cent. 

XXXX XXXX ( the president of Amerifinancial Sollutions ), XXXX XXXX ( the Director of Finance at XXXX XXXX XXXX ) and XXXX XXXX ( the attorney for XXXX XXXX XXXX XXXX are all in agreement that the amount ( s ) for the bill have been inconsistent and wrong since the beginning and this should be removed. XXXX XXXX has written a letter I have sent to Equifax and XXXX XXXX has written XXXX ( & I also sent this to Equifax ) and to date they have refused to remove this. I 've written to them probably XXXX times over the past year and every time they refuse to do anything about this ... even when given information from the collection agency that what they are reporting is inaccurate. 

Every single person and company associated with this bill has been trying for close to a year to have this removed and every single request has been denied by Equifax. The debt was wrong, the original creditor and collection agency are in agreement on this & here it is over a year later and Equifax is continuing to report inaccurate information and continuing to damage my credit.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report regarding accounts that have been marked as late payments. After thoroughly reviewing my records, I confirmed that these accounts were, in fact, paid on time.

This incorrect reporting has negatively impacted my FICO Score. Under US Law 15 U.S.C. 1666b, pertaining to late payment remarks, I am entitled to a fair and accurate investigation of disputed items on my credit report. I kindly request that the status of these accounts be corrected to reflect timely payments.