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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On or around  XXXX   XXXX ,  XXXX  I was notified by   XXXX   XXXX   XXXX   XXXX  that  XXXX  had posted a collection notice  to Fidelity Properties fo r a medical bill from  XXXX   XXXX  from  XXXX   XXXX  who has since closed   XXXX   XXXX   XXXX   and left the area. There was a bill for {$72.00} outstanding ? Two other  charges from the clinic where covered.     After contacting  XXXX  a nd Fidelity I was to ld they had sent any letters to me of which I never received. After MANY hours searching I found out  the Dr., Fidelity  and   XXXX    HAD TH E WRONG STREET AD DRESS LISTED FOR ME!     I paid the bill and fee wit h Fidelity  on  XXXX ,  XXXX ,  XXXX  for {$73.00} on the phone with a Check electronically with m y Credit Union.       XXXX   XXXX ,  XXXX  I filed a report  XXXX  with  XXXX  an d Fidelity and hav ing my address corrected and was told by both that this collection would be removed and my  Credit Score would b e CORRECTED. Experian still shows it has DROPPED FROM  XXXX  TO  XXXX  WITH A FAIR RATING?
Product: Vehicle loan or lease

Lender illegally threatening to repo vehicle during COVID-19 Pandemic ( I live in the state of MD and we are still under a State of Emergency. I lost my job on XX/XX/2020 and have explained this to the Lender multiple times. I am familiar with their scheme. When you don't answer at least three of their phone calls they send the repo letter. However, as indicated, we are still under a State of Emergency and at the time the Lender sent the letter I was only 35-45 days late and had been in FULL communication with them of my situatuion. I am currently only receiving {$170.00} in unemployment per week with a mortgage of {$1600.00} and other utilities. I am doing the best that I can with the meager savings that I did have prior to the pandemic ).
Product: Money transfer, virtual currency, or money service

I was notified by my bank on XX/XX/2022 of possible fraud charges to my account. At the same time, I started receiving text messages from Zelle about an account. 
I closed my bank account and tried contacting Zelle about the fraud. Because I was unable to confirm the zip code associated with the fraud account, they would not help me. 
I am trying to delete my phone number and any of my banking information from Zelle.
Product: Mortgage

My mortgage acct number : XXXX, escrow account was determined to have a shortage of {$2000.00}, I was not provided with my XX/XX/XXXX escrow analysis report as previously provided to to me in XXXX of XXXX, which resulted in my mortgage payment being reduced to the amount of {$1200.00} per month My current mortgage payment is {$1300.00} without being provided this years escrow analysis report.
Product: Credit reporting or other personal consumer reports

I requested that a few accounts on my credit file be investigated starting XXXXXX/XX/XXXX. When there was no evidence that the investigation has been conducted, I sent two follow up letters on XXXX XXXX XXXXXX/XX/XXXX, and XX/XX/XXXX. As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XXXX XXXX XXXX XXXX 
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act XXXX XXXX ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX, Consumer XX/XX/XXXX : Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX Acct # XXXX Open Date XX/XX/XXXX ( private ), an auto loan account opened at XXXX XXXX XXXX  Acct # XXXX Open Date XX/XX/XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX Balance : {$140.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$2800.00} XXXX  XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$40.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

A monthly payment made in full was issued by us for loan # under check # in the amount of {$1100.00} on XX/XX/2022, and erroneously posted by CMG Financial as " Late ''. This error was reported to the credit bureaus causing my business partner and I a XXXX drop on each of our respective credit scores. Beginning on XX/XX/2022, we both disputed this egregious oversight by CMG Financial through the proper channels, and to date they have failed to remove this negative remark from our credit reports. The payment in question was received by CMG Financial ( personal check ) before the due date ( XX/XX/2022 ) and returned to our po box stating they no longer accepted personal checks. Due to the XXXX lockdown and personally being XXXX XXXX with XXXX, my partner and I were physically unable to retrieve our mail from the po box , and thus had no knowledge of the policy change with CMG Financial. Our various business holdings, and credit scores reflect a 100 % payment " On Time '' history, with CMG Financial tarnishing it with poor accounting and business practices, and their blatant and flat-out refusal to accept responsibility for their actions.
Product: Checking or savings account

I am writing to formally lodge a complaint regarding the recent closure of my account with Capital One.This abrupt action was taken without any prior notification or sufficient explanation, causing significant inconvenience and distress. On XX/XX/year> I was informed that my account was closed due to alleged fraudulent activity. However, I firmly assert that I have not engaged in any fraudulent activities, and there has been no substantial evidence presented to support this claim. I am deeply concerned about this decision as it has been made without proper investigation or communication. The only potential issue that could have arisen is a leakage of my personal information, which was beyond my control. As a responsible account holder, I have always taken necessary precautions to safeguard my information. Despite this, I have fallen victim to information leakage, which I promptly reported to your office. I expected Capital One to support me in resolving this matter rather than penalizing me by closing my account.
Product: Debt collection

On XX/XX/XXXX I made a purchase from XXXX and the product was not what I ordered ( possibly a counterfeit item ) so I made the return to the store on XX/XX/XXXX. The product was inspected by management and the return was accepted and full refund issued. 

On XX/XX/XXXX ( estimated because creditor has no date on letter and they gave me until XX/XX/XXXX to respond ) I received a collection notice stating I owed for the refunded product. I found my old records and provided them with the exact information and copies of original return receipts with all the corresponding information. 

On XX/XX/XXXX received another letter still demanding payment. XXXX XXXX provided screen shots showing the purchase and reasoning for payment but completely disregarded any information I provided. The documentation provided by creditor actually shows in my favor but is continuing to request payment for an item returned.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. the consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such a failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. these failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts, as experian 's inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

I had not used my Discover card in a while since we were able to pay off our balances about a year ago. I logged into my account and discovered they had closed my card. I contacted Discover and they confirmed they closed my card. I was told I was mailed a notification that if I did not use the card by XX/XX/22 that the card would be closed. I either never received the notification or threw it out since I had elected to go paperless quite some time ago and the company constantly sends unwanted solicitations for other Discover products in the mail. I called to let them know I never received the notification and I wanted to have the account reopened since I have had the card over 10 years. I was told that they are not able to reopen credit cards once they are closed. I asked to speak with a supervisor and was told the same thing. I asked to speak to their supervisor and was told that they is nobody higher they could escalate a call to. I was also told it was a company policy and even if they could get someone higher on the phone they would not be able to reopen the account. The fact that they closed one of my oldest credit cards with a large credit limit is going to negatively affect my credit. Their only solution is to apply for a new card which is not going to correct the issue that they have caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX and Account # 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 or other personal consumer reports

I called XXXX on or around the time I XXXX XXXX XXXX and my job was affected. In XX/XX/XXXX I spoke with 2 different supervisors on a recorded line about the billing error and was told that if I made consistent on time payments for 6 months, they would remove my late payments. My credit report has been adversely affected by my lost of employment due to the XXXX XXXX XXXX. After being assured by the management at XXXX that the erroneous late payments would be removed, I've been caught up and consistent an entire year since finding stable employment. I called XXXX today XX/XX/XXXX and The representative refused to submit my dispute for the erroneous late payments and refused to transfer me to a supervisor. ThIs information on my credit report is preventing me from purchasing a home. I would have never been in this position if i wasnt assured that the late payments would not affect me after keeping consistent payments. I feel like this is some form of extortion. If i would have known that XXXX would be this shady, i would have went to another finance company.
Product: Credit card or prepaid card

I have to used my comenity XXXX XXXX card in almost a year every fee months my card is being charged and assure fees are being added to purchases I did not make. I am opted to receive billing notifications but I havent reciprocated any of them and I keep getting late fees for purchases I did not make. Every month they double. I have called about this issue before and all the charges were disputed and I still had to pay a fee for something I did not use.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 there was a fraudulent transaction from XXXX on my apple credit card. I filed a police report and sent them all of the necessary documents. Including a copy of the fraudulent charge. A copy of my statements, a copy of the police report and any additional evidence that I was able to obtain.. this was sent to them on XX/XX/2021 and XX/XX/2021. 3 days after the fraud occurred.. I havent heard anything back from Apple Card services until today. Where they are asking me to resend my evidence.. TWO MONTHS AFTER THE THE FRAUD OCCURED AND 2 months after I already sent them ALLL of the necessary evidence. Apple card services is not handling my dispute properly. They also advised me that they released {$500.00} credit to my card however its on hold.. so they are holding my available credit and not allowing me to spend it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had never been late on my credit report ever. XXXX, Equifax, and XXXX  is reporting late payments from XXXX Credit Card, XXXX XXXX Credit Card and XXXX Credit Card. Also Equifax, XXXX, and XXXX is reporting 2 closed accounts that listed as XXXX XXXX XXXX   Credit Card, and XXXX Credit Card.All these negative remarks are on my credit profile due to the outburst of Coronavirus. I really don't believe it's right for consumers like myself have to pay the price of having his credit destroyed due to natural disaster like Coronavirus.
Product: Credit reporting or other personal consumer reports

I recently reviewed my XXXX XXXX and noticed several late payments on an account I was never late for. The account is for XXXX XXXX and XXXX account number is XXXX. 

Consumer reporting agencies have assumed a vital role in our financial system and are responsible for reporting consumer information to the best of their ability with maximum accuracy. I have never been late on payments for this account. 

Please investigate this matter immediately and provide Proof with statements showing that these payments were late. 

If proof can't be provided, I demand that these payments be updated to " On Time '' as they should be. If this is not done, I must file a complaint with the Consumer Financial Protection Bureau and the Federal Trade Commission. 

Thank you for your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I disputed items in Equifax and it been over 30 days and the company has not responded to my request to delete all inaccurate items from my credit profile instead has completed removed all personal information no original finisher name or account information because of this situations it has caused hardship and great damages that have occurred to my credit score, along with credit profile this is abusive reporting tactics.
Product: Student loan

Dear AESXXXX XXXX  XXXX I'm writing to you with a heavy heart, still reeling from the sudden loss of my beloved grandson, XXXX XXXX XXXX Just two months after we paid off his student loans in full, he was taken from us far too soon. As his co-signer, an arrangement between my grandson and myself was implemented as he was employed within his field of study. The plan was that he would assist in monthly re-pay installments if I agreed to re-finance my home mortgage to pay off his student loan debts in the amount of {$110000.00} in XX/XX/2023. It was a sacrifice we made with love and hope for his future, but little did we know that fate had other plans. As we navigate this devastating loss, I'm not just asking for a refund of the loan amount, but for your compassion and understanding. XXXXXXXX XXXX  passing has left our family in a state of grief and financial uncertainty. My husband and I are now XXXX and XXXX XXXX XXXX, respectively, and are struggling to make ends meet. The burden of recouping these losses would be crushing. I implore you to consider the extraordinary circumstances surrounding XXXXXXXX XXXX death and our situation as a family. We've already endured so much pain and sacrifice to ensure his education was paid off. Now, we're left with the weight of this unexpected loss and the financial strain that comes with it. I understand that AES/XXXX XXXX has guidelines in place for death discharges, I'm begging you to consider our story and the human impact of this tragedy. XXXX 's life was cut short, and his memory should be cherished, not weighed down by the financial burdens we're now facing. Please, I beg you, consider our request for a refund or any other possible alternatives that can alleviate our financial burden. I'm begging you, please consider our request with an open heart and mind. We've already lost so much - we've lost our beloved grandson, we've lost our peace of mind - and now we're facing financial uncertainty. I'm asking you to show us compassion, empathy, and understanding. Thank you for taking the time to read our story. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whomever This May concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XX/XX/XXXX. My only phone number is XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX, Florida XXXX Thanks, XXXX XXXX Items in Need of Deletion : Collections/ Charge offs 1. Account name : XXXX  XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$1900.00} 2. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$0.00} 3. Account name XXXX XXXX XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$0.00} 4. Account name : XXXX XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$260.00} 5. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$830.00} 6. Account name : XXXX  Account opened : XX/XX/XXXX Amount owed : {$0.00} Inquiries Account name : XXXX Account Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reporting this with TransUnion for years now that accounts was open fraudulently with my personal information and nothing is being done
Product: Vehicle loan or lease

Purchased a new vehicle on XX/XX/19. At this point in time, I am having a rather difficult time making the payments. I decided to look at my loan agreement and was rather astonished at the interest I am/will have to pay for the entirety of the loan. The interest to be paid is almost 1/2 the cost of the vehicle. I'm just inquiring if I have accepted a predatory loan contract. Would it be possible to look into this for me? Thank you so very much for your time and consideration. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

XXXX failed to provide proof of debt, failed to provide original contract with my signature, failed to provide original terms of loan, failed to provide any proof the account belongs to me
Product: Credit reporting, credit repair services, or other personal consumer reports

The incorrect accounts were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$190.00} ; XXXX XXXX  XXXX XXXX XXXXXXXX Balance : {$190000.00}