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

On XX/XX/18 I sent a dispute letter to Experian. USPS certified receipt shows it was received by Experian on XX/XX/2018. The FCRA states disputes must be validated by PHYSICAL ORIGINAL CONSUMER CONTRACTS WITH MY PERSONAL SIGNATURE ON THE RECORD. After sending several dispute letters Experian continues to reply with a rubber stamp " Verified '' using XXXX which does NOT qualify as properly validated. On XX/XX/18 I sent three validation of debt letters to the original creditors. I received no response from either creditor. I myself could not get the debts verified with two rounds of requests and over 60 days of waiting but somehow Experian continues to claim my disputes with theses same creditors were " verified '' by them. I sent proof of these failure to respond disputes with the original creditors with my dispute to Experian on XX/XX/2018. I again requested these unverifiable accounts be delete from my report. On XX/XX/18 I received a letter from Experian stating they will no longer investigate my dispute. Despite me going out of my way providing paperwork showing these negative accounts as unverifiable and inaccurate, Experian blatantly decided they are not going to abide by the law. I am trying to avoid litigation and a complaint with the attorney general which is my next step if these accounts are not deleted from my account
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XXXX XXXX XX/XX/XXXX Barclays Bank Delaware XXXX XXXX XXXX XXXX XXXX, DE XXXX Dear Sir/Madam, Wrongful Closure of Account and Violation of Consumer Rights I am writing to formally dispute the closure of my credit card account ( Account Number : [ XXXX ], which I believe was done in error. I have not received any prior notification or explanation for this action, and I am concerned that it may be a violation of my consumer rights.

As a loyal customer, I have never missed a payment nor shown any difficulty in managing my credit limit. I am deeply disappointed by the sudden and unexplained closure of my account. Under the **Credit Card Accountability Responsibility and Disclosure Act of 2009 ( CARD Act ), creditors are required to provide clear notice and reasonable grounds for closing a consumer 's credit card account. Specifically, the law mandates that card issuers give a 45-day notice before closing an account unless there is clear evidence of fraud or severe delinquency.

Furthermore, under the **Fair Credit Reporting Act ( FCRA ) **, any adverse action taken on my account, such as its closure, must be reported accurately and promptly to the credit bureaus. If this action was taken erroneously or without valid justification, it could negatively impact my credit score and may be deemed an unlawful practice under federal law.

I respectfully request that you immediately review the circumstances surrounding my account 's closure and provide a detailed explanation of the reasons behind this decision. If the closure was made in error, I expect my account to be reinstated without delay, and I request that any negative impact on my credit report be rectified accordingly.

If this matter is not resolved to my satisfaction, I will have no choice but to file a formal complaint with the Proper Consumer Protection Bureau and other relevant regulatory authorities.

Please treat this matter with urgency, as I expect a written response within 15 business days. 

Thank you for your immediate attention to this issue. I look forward to your prompt reply. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

To whom it may concern I am contacting your organization to file a complaint against The M & T mortgage Bank. Since I have become unemployed, I have been struggling to keep up with my mortgage payments and have fallen behind on more than XXXX occasion but have been able to catch up. In XXXX of 2014, I had applied for the Keep Your Home California ( KYHC ) program for mortgage assistance and was approved for a {$14000.00} pay down in my principle, which was paid to M & T on XXXX XXXX, 2014. On XX/XX/XXXX after falling behind ( again ), I contacted M & T to make the XXXX payments due which should have put us up to date, when I was informed by XXXX XXXX XXXX that I was actually 4 months behind. Not knowing how this could have happened and upon further research by XXXX XXXX I was told that KYHC had contacted the bank " requesting '' that the money be returned. Upon hearing this, I contacted KYHC, to confirm this, but was told by that KYHC representative that they would never request the money be returned, and that once it was paid out they would not accept it back. With this information, I contacted XXXX, the woman supposedly in charge of our account ( XXXX XXXX ) after XXXX minutes of the conversation I was finally told that KYHC had not requested the money be returned, but that the bank had contacted the state of California, and arranged with a XXXX XXXX XXXX in XXXX to have the money refunded. All of this to take place without my knowledge or consent and on the XXXX of XXXX the amount of {$14000.00} was removed from my account and supposedly returned to California, although KYHC has no record of this Trans action-taking place. The banks actions had caused my account to go 4 months overdue. I was told that the Bank had sent me a contract that I need to sign ad return three times ( twice by XXXX and once by certified mail ) none of which I ever received. It became obvious to me that this was a blatant attempt on M & T bank to " force '' me into foreclosure. I had previously attempted to work with M & T bank to have my fixed interest rate ( which has been raised XXXX times to 6.875 % ) reduced sending them the required forms XXXX, only to be told that they required more documentation, and then to be bombarded with forms. I was finally offered a loan modification ( twice ) which consisted of lowering my principle and extending the life of the loan for three years which I declined, in writing and sent to a XXXX XXXX XXXX, although the bank said they never received it. It seems to me that M & T Bank has tried everything but what I would like them to do which is cut the interest rate. Now seeing as how I already have a signed contract, I have no intention of agreeing to or signing anything else, unless it has to do with lowering the interest rate I am currently being charged. I would also like the {$14000.00} located, and returned to my account, which will bring me current on my mortgage. Any assistance you can provide would be greatly appreciated. If any additional information is required, please feel free to contact me. 

Thank you
Product: Credit card

I wrote a paper check to Lowe 's to pay our credit card bill. Later, XXXX debited our checking account twice because Lowe 's had submitted the payment twice. But our credit card account was not credited twice. All the Lowe 's representative would say was that they only received one payment. I have documents from XXXX showing the payments were made to a XXXX XXXX account. The representative said they were Synchrony Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. For some time now, I have been going back and forth with XXXX, Experian and XXXX about INACCURATE information that has been reported to my credit reports. Per FCRA they are required by law to report accurate information 100 %, at all times. I also believe a proper " INVESTIGATE '' was not performed. 

The payment history on each report from XXXX XXXX which uploads the report from each credit bureau, reflects different. How can I be 30 days late, 60 days late AND CURRENT on the same date on XX/XX/XXXX? That is NOT possible. How can I be 60 days late, 90 days late AND current on the same day according to XX/XX/XXXX? You see where I am going? But again, per each credit bureau 's special comment description, the dispute was resolved and accurate. 

When an investigation is completed, the " date last activity '' should reflect when the investigation is complete but these errors occurred prior to the dates that are reported on the each credit report which is XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

XXXX  XXXX  has the obligation to report the SAME INFORMATION to all 3 bureaus, I believe through a system called EOscar, so again, how is it possible that each bureau was showing an incorrect payment history date?

Please DO NOT say it has not been updated yet because the last report date reflects XX/XX/XXXX. 

I want XXXX, Experian and XXXX  to delete XXXX  XXXX  account # XXXXfrom my credit profile immediately because it was not being reported accurate AND I was denied the opportunity to purchase a home which has greatly interfered with my livelihood They can not go back and " update '' any of this information. I want this account deleted asap please. Thank You.
Product: Credit reporting or other personal consumer reports

I looked on my report back on XX/XX/year> and notice some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Thes account Names are XXXX XXXX XXXX ACCT XXXX XXXX XXXX  ACCT XXXX XXXX XXXX XXXX XXXX Divison of child support acct XXXX Division of child support ACCT XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX  ACCT XXXX XXXX XXXX acct XXXX XXXX XXXX ACCT XXXX Account report and last date active are not reporting accurately I sent letters on XX/XX/year> to have these accounts reinvestigated tracking number XXXX I got the investigation back but noticed nothing was updated or modified So I requested a copy of the reinvestigation which was not provided which is a violation of 15 USC1681i7 They also violate 15 USC 1681i ( 5 )
Product: Mortgage

Mortgage Broker promised a rate and a refi and refuses to close mortgage citing bogus requirements.
Product: Debt collection

CitiBank called my mothers home number instead of contacting me. I have never given them my mothers number. This happened on XX/XX/2019.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of the following accounts from my credit report. I am a victim of a data breach, and these accounts were fraudulently opened in my name. As such, I am requesting the removal of these accounts and inquiries in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted : XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$4000.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$830.00} XXXX. XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} XXXX. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$6300.00}
Product: Credit reporting

There are XXXX judgments on my credit report that do not belong to me and I have disputed them directly with the credit bureaus and the court house and no one has seemed to provide me with XXXX legal validation that they are mine and I owe the money. There are no original creditors accounts on my credit report for these judgments and they are causing grave injury to my credit report and score. The judgments are as follows : Court : XXXX County Special Docket # : XXXX Plaintiff : XXXX XXXX XXXX Balance : {$1400.00} Court : XXXX XXXX District Court Docket # : XXXX Plaintiff : XXXX XXXX XXXX XXXX Balance : {$750.00} Court : XXXX XXXX District Court Docket # : XXXX Plaintiff : XXXX XXXX XXXX XXXX Balance : {$730.00}
Product: Mortgage

Hi, I am contacting you as my mortgage company ( Cardinal Financial ) is engaging in fraud and trying to make me over insure my house, which is illegal. We have paid our insurances to the requirement specified ( cost of dwelling XXXX ) and our mortgage company says we need more coverage ( cost of loan amount approx 357K ). After many phone calls we now understand that Cardinal wants the term replacement cost guarantee in the phrasing of the insurance coverage, which our insurer thought odd and had never done before. XXXX XXXX at Cardinal Financial explained this to us after a long, terse conversation. 
XXXX says I have 7 to 10 days to hand this new insurance information to Cardinal or they will force buy more insurance and cost me more money despite paying for the insurance already. 
We have sent in this required documentation, yet I am concerned as Cardinal seems to be trying to change terms and force me out of my chosen insurer into a more costly one of their choice. This attempt at insurance fraud in addition to swindling us via higher insurance of their chosen carrier has me concerned about this despicable company who I am stuck with.
Product: Payday loan, title loan, or personal loan

I filed a complaint that was only partially rectified. I filed a subsequent complaint about the part not rectified. The company has ignored that subsequent complaint and the complaint has been closed. 

I need the following addressed : In XX/XX/2017, I took out an installment loan for {$1500.00}. I was informed ( and this is stated on my account on the company 's website ) that the interest rate was 57.35 %. 57.35 % of {$1500.00} is {$860.00}. While I appreciate the account has been closed and marked " Paid in Full '', XXXX actually owes me {$1100.00} in overpaid interest.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report in XXXX of 2023 and seen that all three reporting agencies XXXX, XXXX, & Experian has been reporting multiple accounts in which has been reporting inaccurate information. These accounts has be caused damage to my creditworthiness due to inaccurate reporting. I have disputed these account several times with each reporting agency and they have not resolved these issues. According to 15 U.S.C 1681 there should not be any damages on my consumer report, that is a deformation to my character
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some collection removed from my file in XXXX 2017, then after awhile I look at Equifax and XXXX XXXX and they were back on my file.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( BLOCK , INC ) due to inadequate customer financial protection act ( CFPA ) specifically, cash app failed 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 funds transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redness for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit card with American Express on XX/XX/XXXX. It was to be used for per diem type purchases where my job was reimbursing me for hotel rooms. My card info was stolen and the card was used fraudulently. I requested the card be closed. I did not know that there was anything owed on the card. In XX/XX/XXXX, a charge-off from Amex showed up on my credit reports. There is no history for it before that time. We paid it within about a day. I have not been able to get Amex to remove the charge off/late payment statuses from my credit reports and this is affecting my ability to get good rates. I literally did not know that I owed anything to Amex until it went on the credit report. Because of the circusmtances regarding the fraudulent activity and no notification of an amount owed was sent to me, I would like Amex to take the late payment and charge off off of my credit report. I believe I've been treated unfairly here.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are incorrect on many levels for one I do not have an contract with ( 1 ) Consumer Collections {$580.00}, or ( 2 ) XXXX XXXX {$240.00}. And secondly these accounts are obviously fraudulent because they definitely not mines and I'm demanding that they be removed immediately, or I will be filing suit for harassment.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report as they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit beaurus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  XXXX Balance : {$4700.00} ; XXXX XXXX XXXX XXXX Balance : {$1300.00}.
Product: Money transfer, virtual currency, or money service

I had cash app never had a problem and I went and check my account and it was closed so then I called catch up and ask him why my account was closed and they told me that they couldn't tell me in any information on why and they asked me what I was using my account for and while I'm homeless so I was having friends and family send me money and they said that I couldn't use my cash up for that so then I close my account and blocked me so now I want I wanted to appeal it but they told me that I couldn't because it's already been a final decision I want to know why I was closed and I want to know what the reason why they closed it I'm making this complaint because cash app has screwed me over royally and I just want what is deserved of me to have is my cash app back that's how I send money that's how I get money how am I supposed to get money from friends and family when you're homeless
Product: Debt collection

I cancelled a contract that dish network forged my signature on. They say I owe them money, but I do n't. Anfi started calling me last month. I sent them an e-mail on XX/XX/XXXX telling them to stop. They did for awhile, but now they started to call again. I am going to sue dish in court very soon and this will be settled there.
Product: Credit reporting or other personal consumer reports

For the last XXXX days I have been repeatedly disputing these illegal/fraudulent accounts that was obtained without my knowledge and consent via XXXX, Equifax, and XXXX. I have always lived at XXXX XXXX XXXX # XXXX. Someone illegally obtained my information and opened fraudulent accounts and used apartment number # XXXX which I have NEVER lived in that apartment unit. 

With the help of a friend I was able to identify what accounts were illegal in my name. Currently I Have XXXX inquiry on XXXX, and I have XXXX inquiries on XXXX and Equifax as I am able to lock/freeze my report now. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Please this has been a very tedious process! I have a new company opened I am very VERY responsible. I am being held back with these illegal accounts!!!!!!! 


XXXX Assigned : XXXX Legal Name : XXXX XXXX XXXX XXXX The XXXX following accounts is totally illegal/fraudulent! It should have never been opened in my name. Please remove the XXXX following accounts from my credit report. It's hampering and messing with funding for my new business that I just launched as well as a future mortagage. These Accounts are illegal! I've been fighting this for the last XXXX days please help. These accounts are not mine and I am going to continue repeatedly to dispute until these negative/fraudulent/illegal items are removed off my credit report ( XXXX, equifax, XXXX ) XXXXILLEGAL/FRAUDULENT CREDIT CARDS*********** **XXXX Equifax, XXXX XXXX XXXX Bank Balance {$150.00} XXXX Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$57.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$13.00} Date Opened XXXX XXXX All XXXX of these illegal accounts were opened within a XXXX  day time period which I had NO KNOWLEDGE! ABSOLUTELY NOTHING! I have done my homework these accounts are illegal and holding me. Please remove these XXXX items off all XXXX bureaus as soon as possible. Thank you! Its not fair these are not my accounts!! Its already hard enough in XXXX as it is but for someone to illegally obtain stuff in your name without a consent is beyond ridiculous. I am not responsible for anything thats fraudulent *********ILLEGAL/FRAUDULENT CREDIT CARDS*********** **XXXX Equifax, XXXX Please this has been a very tedious process! I have a new company opened I am very VERY responsible. I am being held back with these illegal accounts!!!!!!! 

XXXX Assigned : XXXX Legal Name : XXXX XXXX XXXX XXXX My company above which is in my name is behind held up for funding because of illegal items on my report. Please help! 

XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Following 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.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an 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 ) ( a ) 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. 

Please delete the accounts listed below : - Creditor name : XXXX XXXX XXXX. Date of inquiry : XX/XX/year>. 
- Creditor name : XXXX XXXX XXXX. Date of inquiry : XX/XX/year>. 
- Creditor name : XXXX XXXX. Date of inquiry : XX/XX/year>. 
- Creditor name : XXXX XXXX. Date of inquiry : XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

Returned my lease for XXXX  XXXX and got new lease from Mercedes a XXXX  XXXX. However, six months later I get a bill from Mercedes Benz stating my tires did not have proper thread and a scratch on my bumper etc. the bill was for XXXX, I negotiated the bill and was able to settle the tires for {$1100.00}. On my credit report for this lease it stares in comments that I negotiated out of my lease and show closed as of XXXX and negative in commentary and on my reports. This is not accurate and is offensive since I paid my lease off 100 % and was never late and I purchased a brand new lease the exact same day I turned in the XXXX lease which was in XX/XX/XXXX. My old lease that shows paid in settlement was from XX/XX/XXXX to XXXX XXXX have proof of tire settlement which had zero to do with paying my lease payment and Im attaching the negative information from my credit bureau