23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This is a follow up since I can not locate or find any information on cancelling a complaint. File : XXXX can be cancelled or disregarded by the company as my card was finally unblocked. It can only be used for domestic purchases which is why it was constantly being locked by this card company. I was attempting to make purchases outside the United States.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Experian for failing to delete inaccurate and fraudulent accounts from my credit report within the required 4 business days, as mandated by FCRA Section 605B ( 15 USC 1681c-2 ). I am a victim of identity theft and have provided Experian with the necessary documentation, including my FTC Identity Theft Report and other supporting materials. I have requested the verification method that was done to verify these accounts and nothing has been provided to me. These accounts have been previously deleted from my credit profile and illegally reinserted. Despite my compliance with the legal requirements and my explicit request to block and delete the accounts, Experian has failed to act within the legally mandated timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Am an ID theft victim, unknown since Covid. I filed police report, filled out id theft affidavid for IRS. Lost all myt savings almost went broke bc brain XXXX and trying to get XXXX. I have not had credit and only have my car payment which i have never been late. I am XXXX american and deserve to have credit like everyone else affords. I have the governement form that I sent to TD bank to get a personal loan to recover from id theft and gave TD bank the paperwork to fill out. They did nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I checked my credit report and it has been brought to my attention that Miramed Revenue Group , LLC has 2 negative remarks on my report of {$120.00} and {$120.00}. The total debt they are claiming that I owe them is {$250.00} ( see neg_remark.jpg ). On XX/XX/2021 I mailed Miramed Revenue Group , LLC a registered letter via certified mail, requiring a signature of receipt, requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. In short, I asked them to validate the debt they claimed I owed them and if they could not validate the debt they must request that all credit reporting agencies delete the entry ( see Miramed_validation_letter.pdf ). I mailed Miramed Revenue Group , LLC the registered letter to its listed address on XXXX and from their main website and I have yet to receive a response. The registered letter was sent by Certified Mail via USPS ( see certified_mail_receipts.jpg ). These letters are tracked and they show that they have been delivered, signed for, and received by a Miramed Revenue Group representative. It has been over 30 days and I have yet to receive any response from Miramed Revenue Group.
Product: Payday loan, title loan, personal loan, or advance loan

In late XXXX, I purchased appliances from XXXX 's. During the fulfillment process, there was a payment error. A Synchrony staff member told me that the solution would be to have XXXX 's reverse the payment, and send it back through to Synchrony. 

Upon doing this, however, Synchrony refused the payment. When I called Synchrony in XXXX XXXX about this, a customer service XXXX told me ( after XXXX different agents transferring me, saying the issue was on XXXX ' end ) that the loan account was closed when the payment adjustment happened, and nothing further could be charged. 

The entire time, I encouraged the XXXX organizations to work together, and they told me they have no contact. During another call in early XXXX, I was told that they have liaisons who work on both sides, and they could've potentially helped me before the refunded payment step. 

I just now got off of XXXX separate chats with XXXX separate agents who told me they could not help with the payment adjustment, and that I needed to call a phone number ( I am unable to at the moment ) in order to discuss why they can't change the amount. 

They also have no links online for me to review the documentation for the loan, including to retrieve my account number and never sent it in full in the first place, but did say they will email me the loan documents it in the next XXXX hours. 

They also require input of the last XXXX of my XXXX and my phone number to access the account, without the option to make a non-identifiable login.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. I have sent you a utility bill showing my correct address. I am not a credit repair company nor am I a mortgage company. Please remove these accounts.
Product: Checking or savings account

Subject : Request for Assistance with TD Bank Account Closure and Placement in XXXX XXXX XXXX XXXXXXXX Dear Consumer Financial Protection Bureau, I am writing to seek assistance regarding the recent closure of my account with TD Bank. Without prior notice or detailed explanation, TD Bank closed my account, and I was subsequently reported to XXXX XXXX XXXX and XXXX, which has significantly impacted my ability to open an account with any other financial institution. 

I have contacted TD Bank for clarification on the reasons behind this decision, but they have not provided specific information regarding why my account was closed or what actions led to my placement in XXXX XXXX XXXX XXXX XXXX. As a result, I am unable to address or resolve the issue because I am unaware of any alleged account misuse or violations. 

I am requesting the CFPBs assistance in obtaining the following from TD Bank : XXXX. A detailed explanation of the specific reasons for my account closure and my placement in XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXX. Steps I can take to clear my name from these systems so that I may regain access to basic banking services. 
XXXX. Clarification on any outstanding obligations or requirements, if applicable, that I need to meet in order to resolve this matter. 

This issue has made it impossible for me to open accounts at other banks, which has disrupted my financial well-being and access to essential banking services. I would appreciate the CFPBs support in helping me address this situation and, if possible, to have TD Bank assist in removing my name from XXXX XXXX XXXX XXXX XXXXXXXX upon resolution. 

Thank you for your time and assistance with this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Enhanced Recovery Corp XXXX ERC was put on my credit report a few months back. I noticed it as soon as it posted because I was a victim of identity theft in the past and pay for credit monitoring. I immediately called the XXXX & XXXX whom I believe was the company who had someone sent the account to ERC. I verified with XXXX XXXX XXXX that the information they had for me was not what was given to create the account. I them called ERC and reported that information. I then had the credit bureaus investigate and they had the collection removed from my report. Now ERC is continuing to try and collect a debt that I did not create. They need to delete the record from their database as even the original creditor verified that it was fraudulent. 

Very Respectfully, XXXX XXXX
Product: Checking or savings account

my account was closed unexpectedly with no reason of why and thats my only source of bank account i need my account and i need to know why my account has been closed i was a member almost 3years
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Correction of Discrepancies on Credit Report Dear Sir/Madam, I am writing to formally dispute inaccuracies and discrepancies on my credit report as provided by your bureau. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy of information reported, and I am requesting an immediate correction of the errors detailed below. 
Discrepancies Noted : 1. U.S. Department of EducationXXXX XXXX Original Creditor : Direct Loans ) * Account Number : XXXX * Discrepancy : Variations in balance and payment status across reports. 
* Details : * XXXX : Balance {$4400.00} ; Payment Status Current * XXXX : Balance {$8800.00} ; Payment Status Paid as agreed * XXXX : Balance {$4100.00} ; Payment Status Current XXXX. DEPTEDXXXX * Account Number : XXXX * Discrepancy : Inconsistent account status and reporting. 
* Details : * XXXX : Balance {$2200.00} ; Status 120 days past due * XXXX : Balance {$2200.00} ; Status Paid as agreed * XXXX : Balance {$2100.00} ; Status 120 days past due Requested Action : 1. Please investigate these discrepancies and provide a detailed explanation for the inconsistencies.

2. Correct the inaccuracies and update my credit reports to reflect the accurate information.

3. Send me written confirmation once these corrections have been made.

I have attached copies of my credit reports from each bureau highlighting the discrepancies for your reference. Please address this matter promptly and in compliance with the FCRA. If further documentation or information is required, please contact me at the above address.

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

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, XXXX XXXX, and INNOVIS inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. I am XXXX XXXX the following addresses are XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

Complaint # XXXX : XXXX reports inaccurate data. I never filed for Bankruptcy protection. My XXXX reports 1 public record that Does Not belong to me, and it was a same-name mixed file for XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX bankruptcy discharged, Original filing date XXXX XXXX, XXXX?? 

Complaint # XXXX XXXX reports inaccurate data. XXXX XXXX ( CLOSED ) ( NOT AUTHORIZED-FRAUD ) Account Number XXXX XXXX Reported Balance {$0.00} Account Status UNAVAILABLE Available Credit?? 

Complaint # XXXX XXXX reports inaccurate data. XXXX XXXX  ( CLOSED ) NOT AUTHORIZED-FRAUD ) Account Number XXXX XXXX Reported Balance {$0.00} Account Status CHARGE_OFF Available Credit?? 

Complaint # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( CLOSED ) account 's reported balance?? NOT AUTHORIZED-FRAUD ) Complaint # XXXX XXXX XXXXXXXX XXXX ( CLOSED ) NOT AUTHORIZED-FRAUD ) Account Number XXXX XXXX Reported Balance {$9900.00} Account Status CHARGE_OFF?? 

Complaint # XXXX XXXX XXXX ( CLOSED ) NOT AUTHORIZED-FRAUD ) Account Number XXXX  Reported Balance {$0.00} Account Status OVER_120_DAYS_PAST_DUE Available Credit {$0.00}??
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this message finds you well. I am Submitting this complaint for the 2nd time to follow up my request for the several credit inquiries that were unauthorized be REMOVED from my credit reports. Someone has been inquiring and opening accounts under my name. As per legal advice from a friend and as per your agent, I should file an FTC, which I did and I have attached it to this letter. All credit reporting agencies should remove all unauthorized credit inquiries due to non-permissible purpose under the Fair Credit Reporting Act section 605B within 4 days from date of receipt of this letter. In addition, I am contacting each company listed below to close any and all fraudulent inquiries opened : XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I owed {$400.00} on a XXXX  visa MasterCard They flagged my credit report for collections in the amount of {$700.00} I called paid {$530.00} and was told that it would be removed and listed as paid in full received a receipt from them stating i had a XXXX  balance then the next day they adjusted the balance of XXXX XXXX- {$170.00} One credit reporting agency still has {$700.00} listed as amount owed
Product: Debt collection

This is account does not belong to me! I have never had account with this company nor have I ever done any type of business with this company. Because I am not responsible for this debt, This collection should be deleted from the 3 major credit bureaus as it is greatly affecting my credit.
Product: Credit reporting or other personal consumer reports

I would like you to update my information and it is damaging my credit and preventing me from moving forward with my goals due to a low credit score. I ask you to please update my report and correct the information on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168. 
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 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 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 ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX2
 
DID NOT REQUEST THSE INQURIES
Product: Vehicle loan or lease

I purchased a XXXX  vehicle with XXXX miles for {$15000.00} and I gave {$4000.00} as a down payment over a year ago. I still owe over {$15000.00} to pay off the loan. The interest rate is at 28 %. I'm unable to keep up the payments. I took the loan because they were the only one that would finance me but it has been a burden paying because of the high interest. I've contacted the company they are willing to adjust the payments however they continue to report my account delinquent with the credit bureau. The payments would be increased to {$700.00} a month for a year. I just don't think it's lawful or right to be charged such.
Product: Credit card or prepaid card

I saw an advertise on XXXX about lending. I fill up the form i put all my information i didnt know it was scam. And now when i check my score on XXXX XXXX theres a personal loan that i didnt do it was XXXX . The company they use for is Self Financial Inc .
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account XXXX And lists of unauthorized inquiries that don't have XXXX  PURPOSE to be on my credit report XXXXXXXX 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 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 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 ) ( 1 ) 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.
Product: Debt collection

I reviewed my credit report supplied by XXXX. In the report I noticed incorrect information and attempted to dispute the reporting. An Educational Credit Management Corp. was the reporting agency. I mailed correspondence disputing the debt, however, the mail was returned as not deliverable, unable to forward. I utilized the mailing address provided in the report. This reporting situation is criminal by violating the FCRA and negatively impacts my life. 
I am attaching scanned images of : the credit report and the returned mail. Please investigate and prosecute as required. I have requested XXXX investigate the issue. 
Thank You
Product: Credit card or prepaid card

I can not see any of my recent transactions since XX/XX/19. I've tried every link and pathway online to retrieve the transaction statements and spent an hour online stating the problem. I was then told to contact the 24/7 call center. They've not provided a reference number and the service was beyond slow and not helpful.
Product: Mortgage

On XX/XX/year> Freedom Mortgage placed a lender placed Hazard Insurance policy on my mortgage account in the amount of {$4400.00} annually. I've always paid my own insurance and taxes without an escrow account. This escrow balance did appear on the following months statement, although no charge for the balance was present on my statement. I spoke with a representative from Freedom Mortgage around the time the balance originated. Their representative informed me there was no escrow balance charge or lender placed insurance on my account. This response from their representative made sense because I've always paid my homeowner 's insurance and property taxes myself, without an escrow account. 

An actual charge for this escrow balance did not appear on my mortgage statement for the following 7 statements until XXXX and my payment increased several XXXX dollars a month. This was, at the same time, that Freedom Mortgage was in the process of selling my loan to XXXX XXXX XXXX effective XX/XX/year>. I attempted to reach out to Freedom Mortgage numerous times regarding this issue with XXXX success. 

Freedom Mortgage elected to charge me for this lender placed insurance on my last statement. While at the same time, selling my loan to XXXX XXXX, and increasing my monthly payment by hundreds of dollars a month. I have submitted statements from my insurance provider reflecting that I have always paid my homeowner 's insurance with no response from Freedom Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report under the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report, I have identified several inaccuracies that require your attention. The following are the details of the disputed items : The personal information listed on my credit report is incorrect. The previous addresses listed, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX are not accurate. This violates my rights under the FCRA to have accurate information on my credit report. 

Several credit inquiries, including those by XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX, have reached the statute of limitation and should be removed from my credit report. This violates my rights under the FCRA to have only accurate and timely information on my credit report. 

The accounts listed with the account numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX have questionable names and numbers. I request that you either clarify this information for me or delete these accounts immediately from my credit report. This violates my rights under the FCRA to have accurate and complete information on my credit report. 

As per the FCRA, I request that you investigate these items and make the necessary corrections to my credit report within 30 days of receipt of this letter. Please inform me of the results of your investigation and the actions you have taken. 

I appreciate your prompt attention to this matter and look forward to hearing from you soon. 

Sincerely, XXXX XXXX