23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To : Whom it may concern, I recently reviewed my credit report and noticed I was a victim of identity theft. There were several accounts opened fraudulently on my credit report. My information was exposed in the XXXX XXXX data breach as well as the XXXX data breach. Aside from those facts I was incarcerated at the time these fraudulent accounts were opened. These fraudulent accounts are negatively effecting me. Please remove these fraudulent accounts from my report. I am disputing this with you directly. I have XXXX documents to confirm my identity. Federal law allows me to dispute inaccurate information on my credit report. Please block and remove all information resulting from identity theft pursuant to FCRA 605b ( 15 u.s.c. 1681c-2 ) which states that these accounts must be removed in XXXX business days of receipt. I received a letter stating my request did not include the required information for the fraudulent accounts to be blocked from my credit file. The documents required by law are XXXX. Proof of my identity ( social security card and drivers license attached ) XXXX. Specific information regarding the identity theft ( specifics provided above ) XXXX. A complete and submitted copy of my Identity Theft Report with the Federal Trade Commission. I appreciate your prompt attention on this matter and I await your reply thanks. 

- XXXX XXXX
Product: Debt collection

Capio Partners ( XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ) claiming that {$90.00} is due for XXXX XXXX XXXX XXXX dating back to XX/XX/XXXX but I've long since paid off any outstanding fees for any medical visits I had well over a year ago now. They've been harassing me through text and phone calls, and had previously tried to extort me for a debt for XXXX which I've never used in my life, before giving up and selling the debt to another collector. I haven't received any late or missed bill notices from my medical providers, and it can't be legitimate debt as I've ensured that autopay was active for those visits. The most recent letter I've gotten from them is XX/XX/XXXX. It seems like they keep buying debts and harassing people just to see what sticks and have people just pay it even if it's fraudulent just to get them off their backs.
Product: Checking or savings account

I had a massive water damage to my home and i received a settlement check from my insurance company to repair the damages.

All the parties payable on the check endorsed the check ( My self, My wife and my Mortgage company ) and the check was deposited to my checking account. The bank returned the check stating that the check must be payable only to my name and i should contact my insurance company to reissue a check under my name. When i contacted my insurance company they said as long as a Mortgage involved to the property any settlement checks will be issued to payable to all parties involved and the banks should know the
procedure.

The water damage happen to my home on XX/XX/year> and i can not start the repairs because of the bank not releasing the money to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I detected in the Transunion credit agency an unauthorized authorization since I have not signed for that inquiry to be made, therefore I request the elimination of the same since for me it is totally unknown and my empirical affection. The unknown company is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PR XXXX Phone number not available We appreciate you removing it as soon as possible. Thank you. 
XXXX XXXX XXXX XXXX
Product: Bank account or service

I recently got almost XXXX taken from my checking account from a 3rd party global collection from Bank of America.. They said it was. " tax levy indiviual " withdrawel from XXXX an audit done on my taxes from XX/XX/XXXX. I also have a mortgage issue with Bank Of America where i pledged my stock to get a mortgage when i got another company to pay that loan, BANK OF AMERICA is refusing to have ever taken my stock as collatorall and XXXX will not speak on it they sold my debt to XXXX XXXX in XX/XX/XXXX! Can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

( Social Security Administration ) a credit account that was showing as a positive and paid in full, up to date account on XXXX, trans union, and XXXX credit reporting bureaus, was either fraudulently disputed by another person other than myself, unauthorized, ... or was incorrectly removed/deleted via and by the credit bureaus who provided this information pertaining to this credit account, XXXX, trans union, and XXXX, whom initially listed this account onto my XXXX, trans union, and XXXX   credit report files, however, I had not done this myself, as it was showing a positive and paid account proving my credit worthiness in paying it off with no issues. Now, due to this unauthorized, negative, removal, dispute, or deletion of this account, and being that I have no deragatory remarks on my credit reports whatsoever, I am not emitting a FICO score of ANY kind, or it is so low ( an XXXX ) that i am unable to apply for credit in the least amount, had this one positive not been removed from my credit file and reports. ( Social Security Administration account # XXXX ).
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collections/Charge off : XXXX XXXX XXXX XXXX XXXX Personal Information : Former : XXXX XXXX Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  FL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employers : XXXX XXXX XXXX Employers XXXX XXXX  XXXX Employers : XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, VA XXXX. Misappropriation of government funding and income tax fraud with the XXXX at XXXX XXXX located on XXXX XXXX XXXX, XXXX, VA XXXX. Construction materials audit fee of {$120000.00} to track materials used for the community. Insurance agent fee with XXXX XXXX in the amount of {$130000.00}.
Product: Debt collection

XX/XX/XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$720.00} XX/XX/XXXX XXXX   XXXX {$710.00} these accounts was an result of identify theft. These companies was requested for deletion. company agreed.
Product: Credit card or prepaid card

Asked if the annual fee could be waived due to being impacted by hurricane XXXX. I was affected by a natural disaster and I was told my American Express that they dont help customers who are affected by natural disasters. Colleagues, friends and family members of mine called American Express and got their annual fees waive due to being affected the hurricane. Every little bit helps during these trying times and it saddens me that American Express picks and choose who they help during natural disasters. Ive been a good paying client for two years and never once asked for anything to be waived. It would be nice to know that American Express actually cares about all of their clients and not just some.
Product: Credit card

On XX/XX/year> I attempted to make a payment on both my bank of america credit cards-I received a message that Due to the status of my account I am unable to make a payment. I called and performed several chats and no one can seem the figure the issue with the account. I was told it was disable due to inactivity but I make several payments on the accounts each and every month. No one seems to understand why I can not make payments but I was told the status of my account is good.
Product: Debt collection

XX/XX/year> CB/ Bonton . They charged off the account and I never received the 1099 to count as income. They sold to another collector. I do not have any agreement with the new collector
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX  XXXX XXXX {$2500.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX-DSP-XXXX-VER-XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Bank account or service

in 2008 we had a stock portfolio with Bank of America and a financial advisor from the bank as the portfolio had over {$800000.00} in it. When the market was crashing I was told that a claws in the contract said if the funds drop below {$500000.00} the stocks would need to be restructured and sold. Our Adviser waited until the stocks had fell below {$250000.00} costing us over {$250000.00} dollars. I never filled a complaint because I felt I couldm't win against a big bank. But they stole {$250000.00} of our money by not calling us in time. I was fored to sell in a down market, is there anything I can do to recover what Bnak of America stole from us? 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following names or addresses from my account. These are not my names and I have not authorized anyone to give or use these names or addresses. 
Inaccurate Name as stated on Credit Report : XXXX XXXX Inaccurate Address as stated on Credit Report : XXXX XXXX XXXX XXXX XXXX I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX - XXXX XXXX  ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} Im questioning the accuracy of this item on my report. Please verify this information or remove it. 

Account : XXXX - XXXX XXXX  ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} Im questioning the accuracy of this item on my report. Please verify this information or remove it. 

Account : XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} Im questioning the accuracy of this item on my report. Please verify this information or remove it. 

Account : XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Closed Im questioning the accuracy of this item on my report. Please verify this information or remove it. 

Account : XXXX XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Closed Im questioning the accuracy of this item on my report. Please verify this information or remove it. 


Account : XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} Account type : Open Account Account Status : Closed Im questioning the accuracy of this item on my report. Please verify this information or remove it. 

Account : XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} Im questioning the accuracy of this item on my report. Please verify this information or remove it. 


INQUIRY Account : XXXX INQUIRY Date : XX/XX/XXXX BUSINESS : - Im questioning the accuracy of this item on my report. Please verify this information or remove it. 

Account : XXXX XXXX XXXX ( XXXX ) Date opened : XX/XX/XXXX Late payment date : XX/XX/XXXX Balance : XXXX I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed.
Product: Credit reporting or other personal consumer reports

Lender can not see score because of block or fraud alert placed from years ago. Address on the file is not correct anymore.
Product: Mortgage

Mortgage servicer sent a letter of with intent to accelerate to wrong address and payments were not in default. We were paid up to 4 months even after foreclosure. This is not the first complaint to CFPB. The attorney that contacted me recently to respond to a complaint made here said she investigated sent me a letter saying I was confused but dates she has is all wrong even with proof they refuse to correct the wrongful foreclosurse due to statutory laws. But if I have proof of errors and they did not follow procures why can't any lawyer assist me? Why can't CFPB assist me? Under wrongful foreclosure. How can I get the assistance I need? It ook me 6 years of research and investigating because no one else would help me. I can not afford to hire an attorney. At this point the evidence will speak for its self but I will forward my complaint to all regulating agency 's so I thank you for your time but I shouldn't have to report this again if someone just actually look at my evidence and properly evaluate my concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. Your immediate attention to this matter Is appreciated XXXX XXXX DOB- XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX NY XXXX Email - XXXX SSN- XXXX Phone number XXXX Inquiries that need to be removed are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Ive submitted paperwork certification for PLSF and the payment counts, employment dates and ineligible payments seem to be incorrect. I am still employed by same company completed the form less than a year ago and dont understand why my account is not updated correctly. I have not been successful with getting in contact via phone with Mohela and submitted email requesting information. Please let me know how to proceed so that my information and payments, counts reflect correct.
Product: Credit card or prepaid card

In accordance with the fair credit reporting act, this creditor has violated my rights. under 15USC1681 section 602 states I have the right to privacy. 15USC1681 section 604a section 2 it also states that consumer reporting agencies can not furnish an account without my written instructions. Under 15USC1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I received a robocall from XXXX, stating that I was going to be served. They called my parents too. I called them back, and received a woman by the name of " XXXX ''. I told her that she needed to stop harassing my elderly parents, or I would file a lawsuit against her company. She laughed and stated, " No you won't! '' I had to ask her what company she worked for. She stated " XXXX '' and asked for the last 4 digits of my social security number. I told her that I would only give that information if she told me what it was regarding. She laughed and stated, " just because Trump is president, doesn't mean you get to act that way! '' She laughed and hung up the phone. She refused to tell me what it was regarding, and had a robocall using the name " XXXX XXXX '' to call me and my parents. 

I have checked my credit report and I have no outstanding debts for anyone to take legal action against me on. They also used my maiden name, for which I have not used in almost 10 years.
Product: Vehicle loan or lease

GM Financial contacted me by phone in XX/XX/2020 to collect a property tax payment on a lease that I had turned in, at one of their dealerships, but was not closed out properly by the dealership. When I leased a new car at the same dealership, I also updated my address to my new address. 

I never received any notification from GM Financial about the full-year tax bill on the car that I only had for one month of the calendar year, because they continued to send my mail to the old address, despite the fact that by the end of the XX/XX/2020, I had two new vehicle leases with GM Financial, and both used my current address. 

When I called in XXXX to provide GM Financial with the information, they said that if the closure documents were faxed to them by the dealership before the end of the month, the account would be put on hold until the abatement processed. 

After receiving another bill from GM Financial last month for the full amount, and a recorded call from GM Financial today XXXX, I called to inquire about the status of the account, and was told for the first time that the account had been allowed to age 60 days past due and that the overdue balance had been reported to credit agencies. 

They had not in any way informed me that they would continue to age the account and damage my credit. They had no, as the agent said for the first time today, informed me that I should pay the whole amount in advance and wait for the refund of the abatement. 

Had I been told up front that this was their policy, I would have paid the whole amount in advance and waited for the abatement. But instead they said they put the account on hold. On hold means that the account is not aging. 

This is a deceptive and harmful practice, and they need to better train their phone agents in their actual company policies and not mislead their loyal customers by telling them one thing and doing another.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to XXXX that they were reporting inaccurate information on my public records they launched and investigation and said their credibility source was accurate with information. They never contacted the courts in regards to this issue and the court has stated they do not provide information to the credit bureaus as such. XXXX continues to report theses bankruptcys with out providing validation and XXXX is not a credible source.