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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : XXXX under the Fair Credit Reporting Act this disputed item XXXX not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$3100.00} on my credit report that is seriously damaging my credit scores Please delete this inaccurate information form my credit report
Product: Bank account or service

On XX/XX/2017 my checking account with Peoples Bank was compromised with an unauthorized " ach '' withdrawal from XXXX XXXX. As I do not have an account with XXXX I immediately called the call center as soon as I discovered this mistake on XX/XX/2017. A case # XXXX was opened and I was sent an e-mail with the required affidavit form attached and was told I could fill it out and e-mail back. I could not open the attachment and called back immediately and was told it could not be sent in any other format so it would be mailed. Instead of waiting for it to arrive by mail I went to the XXXX XXXX branch a few days later where two branch employees spent almost thirty minutes trying to help me. They could not open the attachment either or obtain the form any other way. I left there with no choice but to wait for it to arrive by mail. When it did not come after waiting nine days ( from XXXX to XXXX! ), I went to a different branch at the XXXX in XXXX because I was in that area and once again the teller tried very hard to help me to no avail frustrating both of us. All she was able to find out from the call center was that I did have a case open and " the form is in transit by mail ''. Today is fifteen days from the first call to Peoples and I still have not received the affidavit form required to correct this costly mistake. The debit was {$280.00} plus {$37.00} overdraft fee which totals {$320.00}. I only receive {$XXXX} direct deposit on the XXXX of the month from a pension. I have not had access to the {$320.00} which I desperately need. Peoples Bank has delayed rectifying this problem that should not have even occurred in the first place because I did not authorize this withdrawal. Please help.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

- XXXX XXXX. XXXX XXXX {$5800.00} charged. 
-I recently reviewed a copy of my credit report. I was shocked to learn that I have been of a victim of identity theft. I found an account on my credit report that was not open by me. I have sent documentation to XXXX and XXXX to resolve the fraudulent charges, and it hasnt been acknowledged. This has been hurting me financially. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I see where I tried to purchase a car and the dealership ran my credit and i have negative items on my credit report. I never enter anyone hospital and i not sick i am a young healthy Man and someone use my identity to receive medical care at the hospital or doctor. this fraud.
Product: Vehicle loan or lease

On XXXX XXXX I contacted my auto finance company with hopes to change my payment due date or frequency of payments from bi weekly to monthly. Explained I 've been experiencing hardships and late payments with current arrangements and wish to continue leasing with on time payments made monthly and avoid issues with my residence which is affected as well.I was told after my first initial on time payment i would qualify that was in XXXX of XXXX all payments have been made and I am current on my lease. I was denied a due date change as well as a payment arrangement which would have the charges paid in full within XXXX weeks of original date of XXXX XXXX as it aligned with my pay schedule. I was also threatened with repossession and disablement of the vehicle if a payment was not received. Im devastated I have no desire to default on my lease or ruin my credit or compile extra fees or charges. I understand no willing to change my payments from bi weekly to monthly but not accepting a payment arrangement is outrageous and unethical
Product: Mortgage

I'm filing a complaint against XXXX XXXX XXXX who actions have been deceptive, unfair, misleading and in violation of a federal consumer protection laws & regulation. XXXX XXXX XXXX  foreclosed on my property ( XXXX XXXX XXXX, XXXX, PA XXXX ) without having an authentic promissory note, the Pooling and Servicing agreements including documentation of the delivery an acceptance receipt from the originator to the sponsor, a delivery an acceptance receipt from the sponsor to the depositor, and a delivery an acceptance receipt from the depositor to XXXX XXXX XXXX , XXXX XXXX, as XXXX for XXXX XXXX XXXX XXXX. Asset-Backed Pass- Through Certificates XXXX XXXX, & all Notes that should have been properly indorsed each time they were transferred. In contradiction, the XXXX XXXX XXXX XXXX  XXXX Trustee indenture would have expired on XX/XX/XXXX when the foreclosure action was initiated. Moreover, the XX/XX/XXXX mortgage assignment both " Assignor '' & " Assignee '' all shared the same address of the mortgage servicer which was c/o Ocwen Loan Servicing, LLC XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : XXXX XXXX  {$8500.00} Opened XX/XX/XXXX, XXXX XXXX {$15000.00} Opened XX/XX/XXXX, XXXX XXXX, IN {$15000.00} Opened XX/XX/XXXX. Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.
Product: Debt collection

After failing to work out a viable payment plan with Navient I submitted a cease and desist letter informing them that any further contact was unnecessary and would be considered harassment. This letter was received by Navient on XXXX XXXX, XXXX by certified mail. Navient replied with an acknowledgement shortly afterward but the calls continued to this day, XXXX XXXX, XXXX. I am filing this complaint because today ( XXXX/XXXX/XXXX ) Navient contacted my mother about my account and I feel their behavior over these five months amount to a sustained form of harassment.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of account ( XXXX ) below has my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name and number : XXXX XXXX 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 XXXX 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 inaccurate.
Product: Credit reporting or other personal consumer reports

i am filings a complaint against Equifax for failing to properly investigate my disputes regarding the inaccuracies in my credit reports. Despite my submissions, Equifax continues to respond within 24hrs stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) ,15 U.S.C & 1681i which mandates a reasonal investigation of disputes. Also Equifax '' s actions may also contrvene the Consumer Financial Protection Act ( CFPA ) ,12 U.S.C & 5536 ( a ) ( 1 ) ( A ) - ( B ), AS highlighted in the CFPB 's recent administrative proceeding the filing against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides comsumers with the necessary proof of investigation These are the accounts : XXXX ( XXXX ) XXXXXX/XX/XXXX( XXXX ) XXXX XXXX ( XXXX ) ( xxxxx ) ( XXXX ( xxxxx ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX ( XXXX ).
Product: Credit card

I booked a hotel room for a wedding online using the stored card on my XXXX account ( my citi card ). I then find out that my account had been suspended and the purchase was declined. I never had this happen before. I called to rectify ( something that was not my fault ) and I was told the transaction must be done again ( by me ). I then requested to close. After providing all the information requested, the rep would not close. I then transferred to a supervisor who requested the info again, and would still not close.
Product: Mortgage

XXXX HI guys. 
You did not answer my problem.The my mortgage monthly payment was counted for XXXX XXXX city Grand List on XX/XX/.This value on Grand List can not be change and is obligatory for one year.The Grand List   assessment XXXX take effect on XXXX XXXX  to the next XXXX in XXXX.While XXXX to XXXX XXXX the value of this assessment is mandatory.I bought my home on XXXX XXXX when I was under assessment from XXXX XX/XX/XXXX to XXXX XXXX.The assessment value of property tax was {$4900.00} this means that semiannual property tax to the city should be {$2400.00} to the XXXX XX/XX/XXXX, but you change it in the XX/XX/XXXX to {$2700.00} semiannual payment for property tax..Why?

Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT XXXX XXXX XXXX 2 LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$1600.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX XXXX  Account type Note Loan Payment summary 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  - PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XXXX XXXX Original balance {$1600.00} Monthly payment - Last payment date XXXX XXXX XXXX Additional info Responsibility Individual Terms 24 Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX, NY XXXX Phone number ( XXXX ) XXXX 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 Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 


PS! 
THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank Delaware reported that they sold an account to PRA group that are reporting on XXXX and XXXX. They said the account has been updated to show a dismissed chapter XXXX bankruptcy. Bankruptcy case number XXXX was filed XX/XX/2017 and has been confirmed. This account from XXXX still shows delinquent.
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 1681. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : 1. The inquiry was not authorized XXXXXXXX XXXX XXXX. 
Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX 2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX XXXX. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

8. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

9. The following account is not mine XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of in
formation, other than records of convictions of crimes, 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. 
Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit card

I logged in to pay my monthly bill to my Barclays View card ... which I rarely use. I was taken back by the large Balance of over 12 thousand dollars. There were 4 total transactions. 

1. Balance transfer to XXXX XXXX for {$7400.00} ( Wednesday, XX/XX/ ) 2. Balance transfer to XXXX XXXX for {$4400.00} ( Thursday, XX/XX/ XXXX XXXX ) 3. Balance Transfer Fee {$220.00} ( Thursday, XX/XX/XXXX  ) 4. Balance Transfer Fee {$220.00} ( Thursday, XX/XX/ ) I immediately called to report the fraud. They assured me it would come off my account and they would investigate. The fraud did not come off the card... I had to keep calling. The 3rd or 4th time I called ( but this time with some assertion ) they finally removed the charges and apologized for their new system that was having problems and the complaint didn't go through. I asked if they could provide me with a name or any information of who this transfer went through to. They could provide me with nothing and said their fraud department would handle it. 

To note : I never received any emails about a balance transfer. I never received any physical mail about any balance transfers. I've done balance transfers in the past and I always receive some information. These charges just randomly appeared on my account out of nowhere and there is no documentation to be found about it. 

Fast forward to today ( XXXX  ) : I got a letter that concluded that " the activity was valid based on my credit report where the balance transfer was sent. '' So, they reinstated the giant balance and transfer fees. 

I called today as well ( XX/XX/XXXX  ) : I stated my issues with these findings and demanded more information. I demanded they let me know the name of the person who received my money. They could not provide that ... All they can provide is the last 4 digits of the credit card to whom received my money via balance transfer. The card digits do not match any of my cards or my wife 's. I even went into my credit report to make sure my identity wasn't stolen, and someone didn't open a card in my name with those last 4 digits. 

There was almost no information they could provide me with. I find this infuriating considering if they claim I set up this balance transfer, they should be able to provide me with all the information that I would have had to supply them with to make the balance transfer possible ... including the name of the person that received the balance transfer or proof of mail that was sent out to inform me that a transfer even took place. 
The only step the fraud dept representative could take was to start a " reassertion case, '' because I refused to accept the findings. He also informed me that I need to send a formal letter to the fraud dept with any information I can provide to help my case.
Product: Credit reporting or other personal consumer reports

I have maintained a steady payment history, so these recent late payments appear to be an error.
Product: Credit reporting or other personal consumer reports

NOTICE OF DISPUTE My name is XXXX XXXX XXXX I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
Im currently residing at XXXX XXXX XXXX XXXX XXXX, Texas XXXX. Were requesting all other addresses reporting to be removed and blocked since they are NOT CURRENT and are outdated. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW and BLOCK or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
Please REMOVE this following INACURATE PERSONAL INFORMATION in my REPORT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/2023 XXXX. XXXX XXXX XXXX XXXX, TX XXXX Please promptly remove all other names, addresses and employment. These other forms of my name are not correct historical data. 
Therefore, they must be removed. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. You must respond within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter. Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX
Product: Mortgage

My original home insurance company discontinued my home insurance without noticing me so my home insurance had been stopped for more than two months, my loan company ( Planet Home Lending ) asked me to get a new home insurance. I got new home insurance promptly in XXXX, XXXX. 

But started on XXXX XXXX, XXXX, Planet Home Leading asked me to pay expensive {$410.00} just for charging me the lapse of home insurance from XXXX to XX/XX/2022. I told XXXX there is not insurance company want to do the backdate coverage for me and it is nothing to do to protect XXXX 's interest as the loan company of my property since it was in the past. 

But XXXX ignored my request and increased my loan 's monthly payment from {$800.00} to {$840.00} instead. 

So far, I refused to pay the new monthly payment of {$840.00} but pay {$800.00} instead.
Product: Credit reporting

They have multiple entries on my credit report which is hurting my score. This account was never validated and has supposedly been removed from trans union. This was a debt that by women s hospital their policy is to pay for services before they are rendered. This account was paid before service were rendered. This account needs to be removed from all XXXX credit agencies due to fraud as well as multiple incorrect entries.