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

Please take immediate action to block and delete the following accounts and inquiries from my credit file : Accounts to be blocked and deleted : XXXX XXXX XXXXXXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$290.00} XXXX. XXXX  XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$230.00} XXXX. XXXX  XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$260.00} XXXX. XXXX  XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$48.00} XXXX. XXXX XXXX XXXXXXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX Account Number : XXXX XXXX Date : XX/XX/XXXX Balance : {$2000.00} XXXX. XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$460.00} XXXX. XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$910.00} XXXX. XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$240.00} Inquiries to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

In XXXX I was sick with Covid-19, I called US Bank Home Mortgage for assistance with Mortgage payment being suspended until I returned to work, I was put on a Covid-19 Plan with payment suspension options. They gave me XXXX  months, XXXX, XXXX and XXXX, I am able to restart paying me regular Mortgage payment of {$1000.00} starting in XXXX. When I call US Bank Home Mortgage regarding this Covid-19 plan, I was told that I would be able to work out a repayment plan once I came off Covid-19 plan. Once I submitted application for repayment I was told I didn't qualify for repayment or a Modification or anything else. I understand not being able for Modification, because I just had one in XXXX of XXXX. I was told the only thing I can do is try to repay the past due amount myself. US Bank Home Mortgage was well aware of my Chapter XXXX Bankruptcy and Modification in XXXX. I was on the Covid-19 plan and they told me I doesn't matter, I should still qualify for a repayment once I'm off the plan. I called today ( XX/XX/XXXX ) and spoke with XXXX in collections, she told me the only I can do at this point is try to get caught up on my past due amount on my own. I don't think this is fair and I should have been told this when I call to get help, when I had Covid-19. Now I am worried that if I don't pay this amount soon they will try to Foreclose on my home. I am in active Chapter XXXX Bankruptcy and I have been current with my monthly payments up until XX/XX/XXXX. 

Please help.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous complaints regarding inaccurate and unauthorized negative accounts on my credit report. Despite my repeated requests for their removal, these items remain unresolved. This situation is unacceptable, as it not only violates my rights as a consumer but also reflects poorly on your agency 's compliance with legal obligations.
Product: Debt collection

This all started back in XXXX 2014. A collection agency, XXXX XXXX XXXX, reported to XXXX and claimed I owed XXXX from XXXX. I have not had XXXX service in several years. To ensure, I contacted XXXX and verified my acct was closed in good standing and was never sent to collections. They also confirmed my information was not used to open any accounts after my account was closed, which would theoretically rule out identity theft. I submit a dispute with XXXX and it gets removed almost immediately. Great! 

Two months later, I got to apply for something and get denied. Check credit report and a new collection agency by the name of DIVERSIFIED has this so called debt now. I submit another dispute with XXXX and after they went through their investigative process, they removed it as well because the Collection agency could not verify the debt. 

During the investigation, DIVERSIFIED could not verify the debt and sold of the debt to a new collection agency, XXXX XXXX That new collection agency is now looking to collect on this false debt. I am sure after I submit letter of verification, they will attempt to sell it off again. 

My concern is that I will be in this loop for ever. XXXX claims they can not do anything because every time it is sold to a new Collection agency, the acct numbers change. 

Is there anything I can do?
Product: Debt collection

I sent a letter via certified mail to EOS requesting that the validate the debt. The letter was signed on XX/XX/XXXX. EOS sent me a settlement offer. I sent out a second request and disputed with XXXX XXXX XXXX. They are reporting as verified and meets the FCRA with no actual proof that it has been verified.
Product: Credit reporting or other personal consumer reports

I review my credit reports on XX/XX/year> after purchasing membership with Experian. I spoke to a representative in the fraud dept. To check the status. of the report. In less than 24 hrs my credit score dropped drastically by over XXXX  points These Credit agencies ignored the previous Identity theft. I gave the Experian rep the Identity Theft case number and was told we ( EXPERIAN ) not accepting it and was told to file again. As a human being MY RIGHTS have been violated according to the FCRA and FDCPA. Laws governing Identity theft and fraud. These Credit agencies should be held accountable for their noncompliance with the Law. These credit reporting agencies ' negligence has caused damage ; and loss of money amongst other issues. I do know which third parties have my information which was to be protected while in their custody. I request that these agencies take immediate action to remove and delete all fraudulent and inaccurate reporting that's on my credit profile.
Product: Bank account or service

My wife and I had a XXXX XXXX card which we have paid off and closed the account. Our payments to the card were via bank drafts, consequently, we unaware that a company had attached itself to our account and was charging monthly, based on our balance. The company is XXXX XXXX in Georgia. For two months, I have called the company and the have lied to us more than once. The owe us {$1000.00}. They have said that a check was mailed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. None of these checks has ever reaches our mailbox.
Product: Credit reporting or other personal consumer reports

I have sent 9 different disputes regarding a Bankruptcy that shows on my Credit Report. I have sent disputes showing this account doesn't belong to me as well as information contained in the Bankruptcy. They continue to say it was verified but the BANKRUPTCY COURT has verified to me that they DO NOT verify any information with Credit Reporting Agencies or 3rd Party 's such as XXXX. on 9 different occasions ive been lied to about verifying this inaccurate account that doesn't belong to me. Can someone please hold them accountable for their lies and deception to me and to the public?
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

Summary of Accounts being challenged in list form XXXX XXXX - Account XXXX My parent has the same name as me. 

XXXX - Account XXXX Please Update all payments, all pay was made on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$30000.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX {$97.00} XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing to you because after looking at my credit File which you report, there seems to be data Which i can not make heads or tales of. Please view the item below XXXX XXXX XXXX XXXX account XXXX Date of last activity has been re aged. and 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and vou are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX company issued a collection action with XXXX XXXX XXXX XXXX XXXX XXXX - against me - for a disputed bill that my wife incurred under my social security number while we were separated before our divorce the first delinquent payment date missed by my wife was XX/XX/2011 - after i moved to XXXX then back to XXXX  - XXXX obtained my current address and sicked the collection agency on ME - i paid the entire disputed amount of XXXX dollars as part of our divorce agreement - however - after numerous contacts with expeian - ( disputing the account as the first the first delinquent date is greater than 7 years and this paid in full ) the account needs to be removed from my credit reports as per regulation by the fair credit reporting act - experian needs to remove this account from my report - in addition - experian does not report this account as paid in full CLOSED and it is counted as one of my 3 open negative remarks in my report causing me financial hardship because as a result of my divorce - my wife gets 25 % of my income so i have to move to fla and purchase a mobile home - the only thing i can afford - because of this false information on my report - i am being denied a mobile home mortgage
Product: Credit reporting or other personal consumer reports

To whom it may concern I have these closed accounts with the following banks closed accounts. XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX closed on XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX Closed on XX/XX/XXXX, XXXX XXXX closed on XX/XX/XXXX, XXXX Closed on XX/XX/XXXX, XXXX XXXX XXXX Closed on XX/XX/XXXX and XXXX XXXX Closed on XXXX XXXX, XXXX. Each credit company listed agreed to remove these off my credit report if I paid in full which I did. They had promised to remove from my closed accounts and would no longer report to transunion, XXXX and XXXX or any other credit reporting agency.
Product: Checking or savings account

I want to close my Huntington business checking account ( account number : XXXX ). 

I have tried to call Huntington customer service to speak with a representative to request account closure and once I am connected to an individual on the phone, they tell me they are transferring me to the department that handles business accounts and then I am not actually transferred. This has happened multiple times. 

I am unable to visit a physical branch location and have never dealt with such poor phone customer service before. I have closed checking accounts at other institutions very easily via an online portal or over a phone call before. Huntington does not allow any online portal messaging so that is not an option, and I am unable to successfully speak with someone over the phone due to Huntington 's lack of human support for their business checking customers. 

I want my business checking account ending # XXXX to be closed as soon as possible. The account is at a {$0.00} balance and there are no further transactions expected with the account. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft as a result of the data breaches that occurred with both XXXX and XXXX. I request that you take immediate action to address this issue by placing a fraud alert and taking any other necessary steps to protect my credit information, in accordance with the relevant laws governing identity theft and credit reporting. 

The breaches exposed sensitive information, and I have reason to believe that my personal information may have been accessed or used fraudulently as a result. Specifically, I have identified discrepancies in my credit reports that indicate fraudulent activity linked to the breach. 

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  In accordance with the Fair Credit Reporting Act ( FCRA ), I am invoking my rights under 15 U.S.C. 1681c-2 ( a ), which requires credit reporting agencies to place a fraud alert on my credit report upon notification of identity theft. I also request that you provide me with a free copy of my credit report, so that I can carefully review the data and take further action as necessary. 

Please confirm the placement of the fraud alert and provide information on the next steps to secure my credit file. I also request that you freeze my credit to prevent any unauthorized access or transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XXXX PLEASE UPDATE MY PHNOE NUMBER TO MY FRAUD ALERT:XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX - XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Mortgage

Late charges were applied inappropriately and will not be reversed. They have just sold the loan and will not refund late charges despite accepting responsibility for error. 
-- -- -- -- -- -- -- -- -- - EMAIL SENT XXXX Ms. XXXX, Thank you for taking my call. As you stated, you do not accept partial payments, and any payments that are made will be held until a complete payment is received. 

Nevertheless, in making bi-weekly payments, you applied my payment to principal on two occasions thereby putting my account into a late status.

There were two charges of XXXX that were applied on XX/XX/XXXX and XX/XX/XXXX 2019. They were paid out of my account monies on XX/XX/XXXX and XX/XX/XXXX contrary to Loancare policy. 

Please accept this as my demand for a refund in the amount of XXXX. Please send a check to the address of record. 

Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Account XXXX
Product: Credit reporting or other personal consumer reports

The following information was NOT AUTHORIZED to be reporting to my consumer report! The following consumer reporting agency has fraudulently and inaccurately. posted multiple negative items on my credit report without my given consent. This is directly impairing the efficiency of the banking system and is forbidding my of my GOD given rights These are the following accounts that need to be removed IMMEDIATELY! 


XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/2022 XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/2022 XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX
Product: Debt collection

https : //oportun.com/ I notify this collector to stop calling me on Sundays is not a good day for me and stop calling me every hour I believe they have to have to wait some time for them to call me again at the same time. When I ask for an employee ID so I can keep a record of the person who is calling me they refuse to provide it or let me talk to a supervisor. 
I did ask them more than 5 times to stop calling me on Sundays and sometimes they call me after 5 minutes of the first call. I advise them to please stop calling me Sunday 's which is not a good day for me they refuse the is the main complaint. thank you. 

Sunday XX/XX/2020 they call XXXX XXXX  XXXX
Product: Credit reporting

muliple inquiries on XXXX XXXX, 2015 that were not autorized
Product: Debt collection

Everyday, One Main Financial calls me at least ten times a day and has sent me three letters a day reminding me I owe them money. 

On Wednesday XXXX XX/XX/2018, they called md every half hour. 

This past week, Ive received fifteen letter from them.
Product: Credit reporting or other personal consumer reports

All the listed accounts need to be removed. They are affecting my ability to obtain credit to continue running my business. 
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
Product: Debt collection

Comenity bank/victoria secret is reporting an alleged debt on my consumer reports however, when I ask for proof by sending me the credit card agreement / truth in lending disclosures bearing my signature they deny it. This clearly means that they are violating federal laws as they can not prove that the debt belongs to me. Both the Fair Debt Collection Practices Act and Fair Credit Reporting Act are being violated by this company. Additionally I asked for an authenticated record of the account and a copy of the right to opt out disclosures and I have yet to receive a favorable response ( i did not receive a response ). This is a huge violation of my right to financial privacy of my nonpublic information. I also requested other things, please see attached.
Product: Credit reporting or other personal consumer reports

I requested for the balance on my account to be removed because my loan balance is XXXX as it was forgiven by the government
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Payday loan, title loan, or personal loan

I had borrowed {$650.00} in XXXX of 2023. A payment arrangement of {$150.00} every two weeks is taken out by direct deposit. After XXXX  months of payments I contacted Bright Lending. I had a previous loan with them that I paid off the year before. I paid that loan off early. If I were to keep making the biweekly payments, I will have paid {$3200.00} by the end. I tried to call and settle the loan. They wouldnt allow me to pay off the loan while there was a pending payment. After that payment processed, my balance increased. I reached out again and they told me I could pay {$750.00} to pay off the loan. I asked if I could split the final payment off, pay half or more now and pay the rest when my next payment would be made. They would not allow that. They are a predatory practice preying on desperate people in this time when many are struggling.
Product: Debt collection

I had a secured credit card through Citi Bank. When my payment did not go through ( my paycheck had not been made available ), Citi closed the account. They put my put my deposit towards the amount owed and I began making the minimum payments displayed in the app plus a few additional dollars. 

However, even after receiving the reported minimum payments, Citibank charged me late fees. I attempted calling them and explaining the situation and ask for a resolution but they were unwilling to come to an agree. 

At that point, I wrote them a letter expressing what happened, suggested a resolution to the account, and requested all further communications be made through the mail or via email. They continued to call via phone and no communications were sent through mail. 

I agree to finish the payments until the {$270.00} I had accrued was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been reporting on my credit and it doesn't belong to me. This is identity theft & fraud. According to the FCRA this account should immediately be removed from my credit report.