23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

These are the same accounts from CFPB case # XXXX. Also, please see the attached letter from XXXX which states my identity has been exposed to the public. 
These accounts were already removed and someone, please remove them ASAP. 

account has not been paid as agreed. 
XXXX Agency Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Medical/Health Care Creditor Name : XXXX XXXX XXXX Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$110.00} Date of 1 st Delinquency : XXXX Balance Date : XXXX Balance Owned : {$110.00} Last Payment Date : N/A Status Date : XXXX Status : D - Unpaid Comments : Consumer disputes this account information, XXXX Agency Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Medical/Health Care Creditor Name : XXXX XXXX XXXX Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$130.00} Date of 1 st Delinquency : XXXX Balance Date : XXXX Balance Owned : {$130.00} Last Payment Date : N/A Status Date : XXXX Status : D - Unpaid Comments : Consumer disputes this account information, XXXX Agency Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Medical/Health Care Creditor Name : XXXX Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$180.00} Date of 1 st Delinquency : XXXX Balance Date : XXXX Balance Owned : {$180.00} Last Payment Date : N/A Status Date : XXXX Status : D - Unpaid Comments : Consumer disputes this account information, XXXX Agency Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Medical/Health Care Creditor Name : XXXX XXXX XXXX Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$120.00} Date of 1 st Delinquency : XXXX Balance Date : XXXX Balance Owned : {$120.00} Last Payment Date : N/A Status Date : XXXX Status : D - Unpaid Comments : Consumer disputes this account information, Collection account
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX - XXXX XXXX XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my free annual credit report & the other two bureaus provided my report online without any problem, Equifax gave me the usual message " we are unable to provide your report online, please fill out the form & mail in the request. '' I have been getting this same message from Equifax every year. They are able to provide the report which is guaranteed by law but they do not want to. I never have a problem with the other two credit bureaus. 

I have asked Equifax to explain why they are unable to provide my report online but they wont provide an answer. I do not want to write my SS # on a form & mail it in, then have my report with my SS # on it mailed back to me. A SS # should not be mailed - and a credit bureau should know this! 

Thanks for taking my complaint.
Product: Student loan

XXXX XXXX Complaint On XX/XX/XXXX I submitted an application for an income based repayment plan. As of XX/XX/XXXX my application has still not been processed. I have made several calls over the last 4 months with no resolution. I have confirmed XXXX XXXX  has received my completed application and no other documents are needed. I made the appropriate {$5.00} payment to switch repayment plans, but my monthly payments have not been reduced. My loans are close to being reported on my credit report as past due. I ONLY WANT TO MAKE A LOWER PAYMENT ON MY ACCOUNT!
Product: Credit card or prepaid card

I received an email on XX/XX/XXXX from US bank stating that they had received my application for a US Bank shopper cash rewards visa signature card which I never applied for. That same day I received an email from my bank that there had been an inquiry into my credit report. I called US Bank the following day to report this and was told that the specific department I needed wasnt open and to call back. I called back on XX/XX/XXXX and was told that the application would be cancelled and my credit would be restored. Today, XX/XX/XXXX, I received the credit card, which I was told was cancelled. I called US Bank and the first person I spoke to said that the account was under investigation but not cancelled. She escalated me to a supervisor XXXX who assured me that it was cancelled and that I should be receiving a letter confirming this. I have spent hours of time dealing with this and my credit score has suffered. I still do not have written confirmation that this has been settled and I get a different answer from everyone I speak to at US Bank.
Product: Mortgage

We had been approved for a 30 year jumbo mortgage with XXXX XXXX. XXXX XXXX from XXXX XXXX  ordered an appraisal and an appraisal was done. Before the appraisal was submitted, after all the work on it was completed, XXXX XXXX cancelled the appraisal. The appraisal company charged us {$750.00} for the appraisal and said we can get a refund of only {$150.00} because the appraisal was done. XXXX   XXXX  stopped the appraisal because they decided after lock and approval, even after ordering the appraisal that they were temporarily suspending Jumbo mortgages. They then indicated we could start again and accept a higher rate if we would like. Choosing not to honor the 3.375 rate and switch us to a 4.25 rate is wrong as we had a lock and there was still 2 weeks left  on it at the time. This disposition is simply fraud and proven by the fact that we can continue with them right now at a new higher rate. We are out {$600.00} and feel violated. This is unethical! We have proof and a paper trail for all of this. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In response to CFPB compliant # XXXX and the company 's response to my complaint. NCS ( National Credit Systems ) did not provide the supporting documents as requested via to my e-mail or by certified mail within 30 days under federal law. NCS claimed to have mailed on XX/XX/2020 the documents to the address given in my e-mail and it came back as returned?? Provide to me the evidence.. It's very simple, prove to me that the documents were send to me within 30 days as you state. NCS can't because there is no supporting documents and the debt is invalid and they know it. NCS has violated federal law on every level and I hereby demand the debt be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX a commercial lender named XXXX XXXX XXXX   inaccurately reported me being in collections and having unpaid balances on four commercial accounts my company has with them. They reported that these notes hadn't been paid when in fact they had and were never past 30 days. They put late fees on each of the four accounts and then reported them as 1 month term notes and hit my personal credit saying I had failed to pay and the accounts were closed and in collections. Neither of those statements were true. I filed a dispute immediately with Experian and just got notice that the accounts were updated. They still show all accounts in collections and closed which has negatively affected both my personal and business credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian declines to grant me any proof or validation of XXXX XXXX account ( ... XXXX and XXXX has found it to be an error and deleted it, it was false reporting on behalf of the loan company, and Experian has also failed to respond to me in writing within the 30 day period ... violating my rights and F.C.R.A. law ... this was an Auto Loan from 2014 that was settled, and has been corrected by the other two reporting Bureaus ... Experian seems to cause a lot of trouble for people without really investigating disputes, and they delight in being difficult and unresponsive, but a class action litigation may change this, because countless are quite unhappy with Experian ...
Product: Checking or savings account

I Have reported that I Have un authorized ATM Withdrawals 1.For a total of {$63.00} Multiple Calendar Dates I was unaware of until today XXXX XXXX XXXX XXXX XXXX Also Have Repeated Taking Funds Out Without My Consent
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have had disputes with my landlord and their is a history of the landlord harassing me. This attempt at collection is another example of it. I have asked by phone and in writing for them to provide me a copy of the electric bill that they say I owe that shows usage and the dates the bill covers. They have failed to do so. 

I have also requested a copy of the lease that I signed that shows what they are basing the termination charges on, and so far they have failed to do that. 

They have reported this debt to the credit bureaues in an attempt to ruin my credit. I have been disputing this debt for two years by phone and in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company has assumed the role of communicating these alleged debts and information listed below. Therefore, you must follow the laws, the FCRA and FDCPA, that were written by congress and put in place in order to protect me as a consumer. So it is your responsibility to ensure that your company does not engage in any conduct that violates my individual privacy, and is detrimental and harmful to my character, reputation, or mode of living. 

The reporting of the following alleged accounts are in fact violating my rights under the FCRA and the FDCPA, and are both detrimental and harmful to my character, reputation, and mode of living. You are also violating my individual privacy because I never gave you any written consent to communicate these alleged accounts through any means or facility of interstate commerce. 

Please remove these alleged accounts listed below because you are engaging in conduct that is unlawful and unfair. This dispute is between your company and I, not the furnishers of this data so there should be no reason why I should receive a response from you company saying that you are investigating this dispute with them. Your company is the one who is violating my rights, and under the provisions of the Gramm-Leach Bliley Act, I opt-out of the reporting of the alleged accounts and information below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/2021 XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Under the Fair Credit Reporting Act you have 30 days to respond. I hope that your company upholds its call for integrity, and you protect my rights as a consumer under the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. Everything that you need as far as my identification goes is attached, which is my license and proof address therefore there should be no reason why this dispute is not processed by your company. I will maintain all copies of this letter in the event that further action is needed, and I ask that you include this letter in my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a loan with this company for 3 years approximately. On my credit report it shows I have 2 30 day late payments. I have called the company and also submitted a dispute with the credit bureaus ( XXXX, Transunion & XXXX ). 
I use their online website to make payments. 
On XX/XX/XXXX and XX/XX/XXXX it claims I made 2 late payments after 30 days. I submitted these payments per their website. Come to find out a error occurred and the payment did not get processed between the website and my bank. I was never notified of this and therefore I was unable to make it right. After they flagged me with the second late payment in XXXX, I decided to use a alternate method for payment. 
I told them I can not be held accountable for their system error. I have been a good customer and made all my payments on time. They respond very quickly saying they report fairly and sent the same generic letter any company would. I feel like they are not investigating their system and finding what bug has caused this error. I just want them to fix whats right and not to give me some quick response. 
We all have jobs and I feel like they are not doing theirs as a professional lender.
Product: Debt collection

On XX/XX/2018 I received a call regarding A XXXX Credit Card with Capital One. The fact that I didn't verify any other personal information besides my name. The caller kept telling me to settle this matter. The caller told me that I was the one who went into the store and took the merchandise. I told him I was feeling harassed and preferred to be contacted by mail and he continued on. The caller called me from XXXX.
Product: Credit reporting or other personal consumer reports

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax a ftc as stated on their website along with proof of residence and identity but yet they ignored my request.
Product: Credit reporting or other personal consumer reports

Subject : DEMAND FOR IMMEDIATE BLOCKING AND DELETION OF FRAUDULENT ACCOUNTS PURSUANT TO 15 USC 1681c-2 ( a ) ** Dear XXXX Customer Service , I am writing to demand the immediate blocking and deletion of all fraudulent accounts and inquiries that have appeared on my credit report as a result of identity theft. As a victim of a data breach, I invoke my rights under 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ) to have all unauthorized information permanently removed from my file.

The fraudulent entries I have identified are as follows : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under federal law, you are required to block this information from my credit report upon confirmation of identity theft and provide written confirmation of its removal. You are also obligated to notify me of the outcome of your investigation, including the evidence used to determine the validity of any reinstated information.

I have included the following documentation to assist with your investigation : A copy of my government-issued ID Proof of address A copy of a police report or FTC Identity Theft Report Your companys negligence has already caused me undue harm, and I will not accept further delays or inadequate responses. If this issue is not resolved promptly, I am prepared to escalate my concerns to the Consumer Financial Protection Bureau ( CFPB ), state attorneys general, and other relevant authorities to ensure that my rights are upheld.

This matter requires your immediate attention. Please provide a written response and confirmation of the actions taken within the legally mandated timeframe. If additional information is required, you may contact me at [ Your Phone Number ] or [ Your Email Address ].

Thank you for your prompt compliance.

Sincerely, XXXX XXXX XXXX XXXX XX/XX/XXXX Enclosures ID Proof of Address SSC FTC
Product: Credit card or prepaid card

There was a pending charge on my Navy Federal credit card on XX/XX/2018 for {$63.00}. 
I called NFCU and spoken with XXXX who stated that they have to wait until it posted before taking any action. She was not helpful as I emphasized that this was an unauthorized charge of {$63.00} for XXXX antivirus subscription renewal that I was unaware of. 
In addition, I never rcv 'd an email from XXXX regarding this renewal. 
I also never rcv 'd any service from XXXX either. 
On XX/XX/2018, I viewed my cc charges on my phone and saw the charge was posted for {$63.00} and no action was taken by NFCU as they said they would do " something '' to remove and investigate this charge. 
I contacted NFCU again, attaching proven emails that I have contacted XXXX   and their 3rd party vendor XXXX. All parties, XXXX, XXXX and NFCU, are not cooperating with my wishes to refund my money and investigate this fraudulent transaction of XXXX..
Product: Payday loan, title loan, or personal loan

I got a call from XXXX XXXXXX/XX/XXXXin XXXX, IL stating I owed Cashnet USA a debt from 8 years ago. I remember the debt but dont remember if it was paid as I owed one other payday loan company as well. I was going to pay the debt but they claim to have had system issues and would call me the next day. I got suspicious when I didnt get a call and looked up the company online and found nothing. They have since called my mother multiple times and Im not sure how they got her number. Theyve also been calling me at least 5 times every morning. Ive received no official statement saying I owe a debt.
Product: Credit reporting or other personal consumer reports

XXXX his failed to fulfill its legal obligations under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The ( CFPB ) has recently filed a lawsuit against XXXX, alleging systematic issues such as failing to forward consumer - provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing, l am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's Inaction violates federal law and my rights as a consumer
Product: Mortgage

I separated from the XXXX in XX/XX/2016 and because of this was unable to afford the house anymore plus we were relocating to a different state. We tried to pursue a deed in lieu of foreclosure with Wells Fargo due to issues with the Realty company we hired to sell the house not selling it. They set up the information and deadlines for information they needed and informed me if I do not meet deadlines we would have to start again from the beginning. I would email them and call with information they need, only to not be able to reach them at all and then deadlines expiring. Then I would hear from them only to inform me I had to start from the beginning. Starting from the beginning they would always enter some type of vital information incorrectly as well causing further missed deadlines. This predatory practice went on for months until I hired a law firm and this is when direct communication with Wells Fargo went smoothly. I then released the Law firm from working on the case, but I figured it would be fine because Wells Fargo was communicating with me directly at this point. This is when Wells Fargo stopped all contact with me again purposely to miss deadline to extend the timeline and gather more late fees. This would be a constant theme with Wells Fargo because they did not want the deed in Lieu of Foreclosure, they wanted the house to foreclose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account needs to be deleted because it is in violation. How could there be a balance of {$1000.00} and no high balance amount reported?
Product: Credit reporting

I received my consumer report from Chex Systems and upon reviewing my consumer report, I discovered some unauthorized and fraudulent inquiries listed on my consumer report. The following inquiries listed on my consumer report are unauthorized and fraudulent : 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 XX/XX/XXXX I sent the following letter to all three major credit bureaus via certified mail. With no proof of items disputed recieved back. I am asking for a deflection due to no response or proof of items letter sent below. 

XX/XX/XXXX Hello, This is a formal complaint because I am extremely upset and confused about the information included below in my credit profile. These items are not reporting 100 % accurately and I don't even have to remind you that credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

Every step must be taken to assure the information reported is completely accurate and correct. The following information needs to be investigated and DELETED if not fully validated. e-Oscar is not verification, might I add. 

I want to be provided proof of this alleged item, specifically the contract/terms with my wet signature. If this is not doable, the item must be deleted from the report as soon as possible. 

Please obtain and provide the following Original Contract Payoff Disclosure Interest Rate Disclosure Balance History Payment History Credit Insurance Please delete this misleading information if the items above can not be supplied. Please supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscribers.

Under federal law, you have 30 days to complete your investigation.

Thank you and I sincerely look forward to your response. 

Sincerely, XXXX XXXX XXXX XX/XX/XXXX Soc # XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX communications ) Account Number : XXXX Account Name : Online Information ( XXXX XXXX XXXX XXXX Account Number : XXXX