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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TN XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Update of Personal Information Dear Sir/Madam, I believe I was a victim of Identity Theft. Ive noticed some personal information on my credit report that does not belong to me. I am writing to request an update to my personal information on my credit report. Please find below the details of information I need updated : **Old Information : ** -Name : XXXX XXXX ( REMOVE FROM REPORT ) -Address : XXXX XXXX XXXX, XXXX TN XXXX XXXX REMOVE FROM REPORT ) -Address : XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX XXXX REPORT ) -Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX FROM REPORT ) -Address : XXXX XXXX XXXX, XXXX, TN XXXX XXXX REMOVE FROM REPORT ) -Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX TN XXXX ( REMOVE FROM REPORT ) -Phone Number : ( XXXX ) XXXX ( REMOVE FROM REPORT ) **New Information : ** XXXXName : XXXX XXXX XXXX ( KEEP ON REPORT ) -Address : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, TN XXXX ( KEEP ON REPORT ) -Phone Number : ( XXXX ) XXXX ( KEEP ON REPORT ) PERSONAL STATEMENT : Im a victim of Identity theft, there is accounts and personal information details ( Including My Name and Address ) that DO NOT belong to me. I need these items removed/updated to the correct info Immediatley ; Ive listed them here : Name : XXXX XXXX ( REMOVE FROM REPORT ), Addresses : XXXX XXXX XXXX. XXXX, TN XXXX, XXXX XXXX XXXX. XXXX, TN XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX, TN XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( REMOVE ALL THESE ADDRESSES IMMEDIATLEY ).. Phone Number : ( XXXX ) XXXX ( REMOVE ). ALL OF THIS INFORMATION IS INACCURATE AND DOES NOT BELONG TO ME AT ALL. IT NEED TO BE REMOVED AND UPDATED TO THE CORRECT INFORMATION. THE ONLY INFORMATION THAT SHOUKD BE REPORTING IS : Name : XXXX XXXX XXXX ( KEEP ), Address : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, TN XXXX ( KEEP ), Phone Number : ( XXXX ) XXXX ( KEEP ). ANY INFORMATION THAT DOES NOT MATCH THAT NEEDS TO BE REMOVED AS IT IS FRAUDULENT. 

Attached are copies of documents to verify my identity and the changes requested : Government Issued ID, Paystub, Utility Bill, & FTC Report Please update your records accordingly and confirm that these changes have been made. If you need any additional information or documentation, do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your attention to this matter. I look forward to your prompt confirmation of these updates. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TN XXXX XXXX ( XXXX ) XXXX -DOB : XX/XX/XXXX -SSN : XXXX -DL : XXXX -Issued : XX/XX/XXXX -Expires : XX/XX/XXXX -- -
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 15 U.S.C. 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 take 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 7 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

Credit card provider ( XXXX ) pulled address information from vendor ( XXXX ). They informed invoice was sent to a shipping address instead of mailing address. I never receive the invoices until I called them and the mailing address was updated. When I received the invoice it included interest and penalties which I disputed. After several attempts XXXX accept their mistake and eliminate the extra charges. We agree on a payment amount that I paid immediately and ask for the account to be closed. They included the period under the dispute as delinquency affecting negatively my credit profile. This ended up costing me in decreasing my credit score and missing a loan offer ( low interest ) to finance a new car on XX/XX/XXXX. I disputed the item with each credit report company and each one refer me to the reporting company ( XXXX ). I wrote to XXXX and they asked for additional information giving me the opportunity to provide it by phone. Today ( XX/XX/XXXX ) I called them to provide the information. After explaining the situation, I was notified that they are not going to make changes in the reported information and advise me to file a dispute through XXXX  That action was previously done without success.
Product: Vehicle loan or lease

XX/XX/20 received a notice of late payment from Suntrust Bank XXXX TN. Called Suntrust XX/XX/20 This loan has been on auto payment since inception over three years ago. They have withdrawn payment on the sixth of the month every month since inception. On XX/XX/20 they did not withdraw funds and proceeded to send a late notice with fees. Customer service agent said it was my banks fault and I needed to pay. No offer to waive fee or correct their error of not drawing the funds. Also no information was given on credit reporting status.Asked for manager callback after XXXX XXXX CT. They called XXXX I was back at my job at XXXX XXXX and left message that started process all over again. Finally spoke to customer agent for online and said they closed my online account as innactive. They closed my online banking and never notified.
Product: Checking or savings account

I have been with XXXX for XXXX years. I had been a loyal and excellent customers. My credit score of XXXX can prove that. 

I had my XXXX XXXX credit card, my XXXX XXXX credit card for XXXX years. I had my checking account, savings account, and my XXXX debit card from my checking account for about a year, around the same time when I started talking with XXXX financial expert about the possibility of using XXXX as my mortgage loaner. 

XX/XX/XXXX, without any alerts, XXXX suddenly made a decision to close ALL my mentioned accounts, without immediately notifying me by email or text or XXXX mobile app 's notification. Instead, they sent a snail mail to my address. 

XX/XX/XXXX, I got their email, text, app notification regarding this matter, without telling me when I will lose all my accounts. I was shocked. 

XX/XX/XXXX, I got their snail mail, notifying me that all my accounts would be closed on XX/XX/XXXX, and I will NOT be allowed to open any new accounts with XXXX in the future. 

I immediately called XXXX XXXX, even went to the closest XXXX branch, got the same answer over and over from multiple staff, that the decision was final, there was no channel for appeal. Based on their experience, even if I send a fax to their corporation, nobody will answer. Also, nobody could provide an answer or even theory about the reason. 

ALL the XXXX staff I talked with helped me look into my previous transactions, didn't find ANY red flags. All my recent transactions were grocery shopping near my home ( billing address ), and subway tickets near my home. There was ZERO alerts that notified me about any suspicious transactions. I proved myself clean over and over again, and I got absolutely no extra details or hope to fix the issue. 

XX/XX/XXXX, they closed all my accounts, and stated that they won't allow me to open any new accounts with them in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently my mortgage loan score, auto loan. Dropped after XXXX money was paid i early XXXX. They just did an evaluation an my credit score didnt move. Mind you i was only XXXX in debt. Paid half of that debt off. To include i make XXXX by myself not including my spouses XXXX she makes. How is it that my scores are XXXX, XXXX, XXXX. Ive reported indentity fraud to the bureaus with evidence of it an they still hold this information as a liability to my credit. I collect retirement from 20 years of the military and i currently work how it is possible for my credit to be so low. I need this situation investigated because they poorly managing my credit and because of it as just retiring last year as a XXXX veteran I can't buy my family a house of their own, a suitable loan for a car an be comfortable from after defending my country.
Product: Debt collection

I WAS SERVED A SUMMONS REGARDING AN ACCOUNT THAT WAS PART OF MY IDENTITY THEFT CASE AND I HAVE NO KNOWLEDGE OF THIS ACCOUNT.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the information being reported on my credit report regarding the XXXX XXXX XXXX  account # XXXX. The reported last active dates differ between the credit bureaus, with XXXX showing XXXX and both Equifax and XXXX showing XXXX. I have reason to believe that this information may be inaccurate.

Request for Validation : Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information are required to report accurate information to the credit bureaus. Given the discrepancies in the reported last active dates, I am requesting that this account be validated to ensure that the information being reported is accurate. 

Violations of the Fair Debt Collection Practices Act ( FDCPA ) : If this account information is being reported inaccurately or without proper validation, it may also be a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits false or misleading representations in connection with the collection of any debt. Additionally, 15 U.S.C. 1692g requires that any debt being reported must be validated and verified.

Request for Immediate Action : I am requesting that you conduct a thorough investigation into the accuracy of this account and provide validation of the debt. If the account can not be validated, I request its immediate removal from my credit report. Additionally, please provide me with an updated copy of my credit report reflecting any corrections.
Product: Debt collection

I have to collection account thru Professional Collections Services located in XXXX, co. I contacted the medical providers and paid the debits and they never released the collection status. I have subsequently paid the same debts twice both documented on my HSA account and they will not remove the collection status from my credit report nor refund the over payments.
Product: Credit card or prepaid card

I called Capital one credit card in XXXX of 2020, regarding a fee waiver, because i knew that my account was going to be hit for a {$39.00} annual fee, they said they could not do anything until the fee is assessed and posted to the account and that if i called back in i would definitely get it refunded. I called capital one on XX/XX/2020, regarding the annual fee waiver, i noticed i only got a {$3.00} " membership fee credit '' of that {$39.00} annual fee. 

I called and spoke to a representative, they " looked into it '' and said i was " ineligible '' for the entire fee to be waived. I informed them that the rep that i spoke to in XXXX stated that without a doubt, if i called back in i would be refunded that fee. I asked to speak to a member of management, who reiterated that i would not be eligible for the fee refund and i informed her that due to the previous conversation and that it was promised i needed to speak to her manager, or the manager of the previous representative i had spoken to. she stated that she did not have anyone else she could escalate this up to, and that she could not get me in touch with the other representatives manager. 

at this point i ended the call after verifying that we were on a recorded line, and informed her that i would need to speak to an attorney regarding this matter. 

in order to keep my business with capital one i attempted a call on XXXX to see if there may have been a mistake and if i was able to get that fee waived or if there was another way i could get a better benefit like a balance transfer with 0 % interest that would offset the annual fee that i am going to have to pay, in which i was told that the offer that i was eligible for, was 13.99 % on balance transfers, which would not save me any money. 

at this point i would like capital one to credit my account for the annual fee, which was promised to me in XXXX.
Product: Mortgage

I applied for a loan modification in XX/XX/2019. I got denied with no explanation. Called and emailed for several months with no response. Finally got a response from somebody else explaining ( XXXX ) did not follow up on this and is new and XXXX will be helping me now. I was denied due to " too much money '' in bank. When I explained that the deposits they asked for were my daughters direct deposits from her job due to her not having a bank account they asked for proof so I sent the copies etc that XXXX asked for. I called and emailed several several several times regarding what is going on. Never got a response. Finally months after I called and spoke with XXXX and he apologized and apologized and promised to fix it. After about a month I called and he answered and said there is nothing he can do as I my loan was sent to their attorney and i am in Forclosure. What??? He stated that if I sent him {$5000.00} he would stop the foreclosure. I said great and to email me over the papers to sign and I would sign them and send them {$5000.00}. He then said that there was no paperwork to send that i just had to send over the money.???? That scared me so I then called and emailed their attorney. He too stopped responding to my emails and calls. The attorney XXXX stated that my file was on her desk with a note that said " hold for a few weeks and not to file yet. XXXX stated she will find out what's going on etc and that I should reapply for the loan modification again. I did and sent all the paper to her and she went over it and sent it to XXXX XXXX. I called XXXX a week later and they stated they never received it from her. I emailed XXXX and she stated it was sent. She emailed XXXX ( her assistant ) and CC 'd me to mail it again to XXXX. XXXX did a d CC 'd me also. I called 3 days later and XXXX still said they never received it. Then a month later when I called they said they did have it and were going thru it and it was sent to the underwriter. I've called and emailed over 100 times only to get no response. XXXX I spoke with a XXXX XXXX and he stated that I should send him {$4000.00} and make two monthly payments of over {$2300.00} to make my mortgage up to date but when I asked for paper work he stated that it would not be sent that it was only being done in good faith.???? 
I have every single email that was sent and received from XXXX XXXX And XXXX ( their attorney ) since this all started. I do not want to lose my house for any reason. This is the house i grew up in and that I am raising my kids in. This is ridiculous and unprofessional. Its scaring me and I need answers. 
XXXX XXXX XXXX Please send mean email address to send all the email correspondence that I have. It it was too much to upload here.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

I made a purchase on my Forever 21 credit card. I then immediately told the sales clerk I wanted to pay that balance off with my debit card, which she then ran for me. This was a Friday evening. However, when receiving my Foever 21 bill, it showed the payment was never applied to my Forever 21 credit card. It was however deducted on my bank statement which I immediately checked. I informed Comenty bank ( Forever 21 ) that the payment had been made at the same register immediately following the purchase and I sent them a copy of my bank statement. They, However are wanting me to send the payment receipt which I no longer have ( and not even sure I received ) or retrieve a electronic transmittal inquiry form from my bank. My bank is saying my statement is my transmittal form which shows the amount paid to Forever 21 and has all the information they need ( including the transmittal number ). It has been a big back and forth for over 2 months now and now comenity has said they have reported derogatory information on me to the credit bureau even though we have filed a dispute which has not been resolved yet and I have sent all the necessary information regarding the payment. This is a nightmare and Im not paying them again when I have proof of the payment on my bank statement. Im not sure if the clerk at Forever 21 didnt make the payment correctly or what happened, but the money has been taken from my account and Forever 21 has it.
Product: Mortgage

Hi, I am having a problem with my mortgage servicer. They are denying me the right to obtain the appraisal value as i am in default and trying to short sale my property. By law i am entitled to the appraisal value of my property within 3 days of appraisal. name of company refusing to cooperate is Selene my loan number is XXXX. They are forcing me to foreclosure and discriminating on my financial status. I have numerous appraisers stating that banks are having them increase the value of the home to a number that is not comparable to the home price. They are manipulating the system to force homeowners to foreclose
Product: Credit card or prepaid card

On Thursday XXXX XXXX I received a notification from a credit reporting service that I use stating that one of my two accounts with Sychrony bank had been closed. The notification was in regards to my Jcpenny store card in which I had recently made a payment on. I contacted the bank for clarification as to why the account was closed and was told because a recent payment had been returned due to non sufficient funds. The reasoning on the banks part being if two payments are returned in one ( 1 ) years time then the account is automatically closed. The problem I have with that information is at that time when I was made aware on XX/XX/XXXX by one a bank I use ( 1 of 2 ) to pay on credit accounts that the payment had not cleared I investigated. I then initiated using the second account I used because that was the intended source I wanted to pay from in the beginning. That payment cleared my account XX/XX/XXXX. In the few months prior to this the payment source information for the account that the payment was made in error from had changed. My bank transitioned me to a higher tier account and with that account came a new account number and new debit card. The previous account was closed in the process of the transition. I received a letter to my PO box from JCPenny credit card on Tuesday XX/XX/XXXX it is my belief that this letter was to inform me that my account had been closed as I have not had time to retrieve it I believed it was in regards to the payment that had been made. Upon speaking with customer service I first spoke with an agent which I gathered had no interest outside of the cut dry and paste answer of finding as solution to the delima at hand I asked to be transferred to a supervisor. Upon speaking with supervisor XXXX she informed me she was sorry but that nothing could be done because of bank policy to reopen the account. This was despite a year long relationship which clearly established my ability to make regular payments when required none of those payments with me having to be perused or a collection having to be filed nor a late reporting. Supervisor XXXX was extremely willing to waive the late fee but not assist with getting the account open which made no sense and further led me to believe an underlying motive was in place. Upon calling back and speaking with customer service specialist XXXX I had been informed that a late payment fee had been refunded in XX/XX/XXXX and told that due to bank policy that only one ( 1 ) fee would be allowed to be waived in a 12 month period. She also stated that the bank will only follow one policy regarding matters of late/returned payments but I was issued a subsequent refund and told it was clearly at XXXX 's discretion to extend the courtesy. That's not one policy, and upon checking the terms and conditions I found that the returned payment policy that XXXX spoke of weren't listed in any of the language that was made available to me.
Product: Credit reporting or other personal consumer reports

XXXX of debt letter from third party debt collector Credit Control , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX Credit Control , LLC Debt Validation Dispute via XXXX XXXX XXXX requested XXXX 

XXXX counsel who sent Credit Contol, LLC debt collector to cease all communication with myself and to only communicate through HELPS LAW FIRM. 

XXXX XXXX XXXX, XXXX and XXXX reporting incorrect information XXXX Sent Original Creditor XXXX XXXX XXXX XXXX notice of reporting errors and requested they investigate and correct errors. 

XXXX XXXX, XXXX and XXXX all three credit bureau 's first dispute letter informing credit bureaus were reporting innacuracies . Request investigation. 

XXXX XXXX, XXXX and XXXX 2nd dispute letter requesting investigation into wrong information across all three credit reports. 

XXXX third and final dispute letter to XXXX, XXXX and XXXX disputing continued false information on my credit reports. 

XXXX word on.third dispute request from XXXX, XXXX and XXXX while they continue to report false information after indicating all three bureaus found no innacuracies yet at the same time added several more false and innacurate data per the first two dispute resolution notifications to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX Balance : {$7900.00} ; XXXX XXXX  XXXX Balance : {$7700.00} ; XXXX XXXX Balance : {$9400.00} ; XXXX  XXXX XXXX Balance : {$3100.00} ; XXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX & XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$3500.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX.