23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

My debit card was stolen from a restaurant/bar in XXXX and the suspect spent almost {$600.00} before I noticed and cancelled the card. Their purchases also caused my account to go negative. M & T credit the money back to me and now after their investigation they advised they are taking the money back out my account on XXXX. After. Multiple calls and associated they told me it was denied because suspects do n't usually steal cards and go use them at gas stations and car washes and XXXX XXXX Department store. I asked multiple times to speak to someone who could help me and there has to be some way I can fight this because if a proper investigation was done, it would show it was n't me using the card. I work hard for my income and am a single mother of twins. Taking this money from me was devestatipng enough to have to work with for the two weeks it took them to refund it and now to take it again is wrong. This is my hard earned money. I 've been a customer for years with that bank and have never been through this before. The fact that XXXX different reps just all said well it is what it is without any real help is not right. To say that the area where the card was used are places I have used before as a reason to deny is not acceptable. Of course when a card is stolen from the area you live in they 're going to use it at the same places. XXXX is not that big! The fact that I 've been in tears for two days and have had to repeat my story repeatedly to the different reps who all say the same thing " sorry claim was denied there 's nothing else to do '' is so demeaning. This money being taken means either my children wo n't eat or our rent will not get paid. I just do n't understand how a company that prides themself on customer service could treat me this way.
Product: Credit reporting or other personal consumer reports

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must update to correct as paid on time. 


Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences those accounts tag as billing error are inaccurate late payment history should be updated to paid on time as it is in multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement. 
clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time. 



any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And charge off accounts that is tag or labeled FDCPA Section 807 Violation Misleading False Reporting should be deleted and collection account Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately. 


a copy of which is enclosed which states that this information must be removed within four business days of receipt, Including inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. should be deleted in the credit report I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit reporting or other personal consumer reports

I DO NOT RECONGNIZE THIS ADDRESS PLEASE REMOVE - THANK YOU!
Product: Mortgage

Shellpoint Mortgage Servicing reported my XX/XX/2020 payment as 60 days delinquent when the loan was in an approved Forbearance status. See uploaded document from Shellpoint that shows the loan was in Forbearance in XX/XX/2020 and therefore could not be delinquent in accordance with the CARES Act.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I have submitted disputes to XXXX over 7times already, XX/XX/XXXX, XXXX requesting the removal of a few accounts, in compliance with the Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] I am dismayed that XXXX has not taken care to maintain the procedures to assure complete accuracy in the information they have published and has not complied with the law by providing the requested information within the 30 days allowed. 
The accounts that I know to be reporting as a result of a mismatched credit profile, theft and with errors are : 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 XXXXXXXX XXXX. 

I have never worked for XXXX XXXX The hard inquires that I know to be reporting as a result of a mismatched credit profile, theft and with errors are : XXXX XXXX XXXX XX/XX/XXXX + XXXX XXXX XXXX XX/XX/XXXX + XXXX XXXX XXXX XX/XX/XXXX + XXXX XXXX XXXX XX/XX/XXXX + XX/XX/XXXX + XXXX XX/XX/XXXX + + XXXX XX/XX/XXXX + XXXX XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX  XX/XX/XXXX AND XXXX XXXX XXXX XX/XX/XXXX. XXXX can see that there are alerts attached to my profile about mismatched information along with long standing fraud alerts. I have never lived at or received mail at these addresses : XXXX XXXX XXXX XXXX, XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

I have a Comenity-Carters credit card. ( Comenity Capital Bank ) I owed XXXX that was due on XX/XX/22. I paid through the billpay section of my bank. They sent an echeck for {$73.00} that Comenity endorsed and cashed on XX/XX/22. When I got my next statement, it said I did not submit the payment and was charged late fees. I called and opened a dispute. I sent a letter with a cop of the canceled echeck, they said it can take 90 days to investigate. I called over 20 times and was put on hold and transferred to many different people and was disconnected many times. The agents always said if we get disconnected, they will call back, but they never did. I finally got an agent in XXXX saying my next statement should say {$0.00} owed. The next statement showed I owed {$110.00} and I got a letter saying I had to open another dispute and send more documentation. I wrote the second letter and enclosed more copies of payments that I sent that they did credit to my account in the past. I then contacted them on their facebook page after being not helped on the phone. They gave me a corporate number, and someone will take care of the situation. After explaining it to XXXX he  said he couldn't help me and transferred me to someone who couldn't help me who transferred me to XXXX who said she was going to put me on with a supervisor. She said she has my number in case we get disconnected which we did immediately and there was no call back. I am very frustrated with this whole situation and our credit score is over XXXX, I do not want my credit score affected. It should not take over 4 months to take care of one transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been 30 days and XXXX still have NOT updated my credit report and score. There's OLD account still on my credit report. These accounts are more than 7 years old and by law should not be on my credit report.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE I urgently request that you take immediate steps to eliminate the fraudulent inquiries on my credit report. They were not authorized by me and are causing me considerable distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have gotten a collection bill from a company that I had never had business with, I think my identity has been compromise, in recent and pass data breaches my identity resulted in been access by unknown people, I check my credit and there are accounts that are fraudulent.
Product: Debt collection

I am writing this notice stating thank you for confirming that ALLIANCEONE RECEIVABLES MANAGEMENT INC./ XXXX XXXX XXXXXXXX is a debt collector. Congress has made it known in the Fair Debt Collection Practices Act ( 15 USC 1692 ) that there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors including ALLIANCEONE RECEIVABLES MANAGEMENT INC./ XXXX XXXX XXXXXXXX XXXX Since ALLIANCEONE RECEIVABLES MANAGEMENT INC./ XXXX XXXX XXXX  decided to infringe on my personal privacy to communicate with me without my prior consent pursuant to 15 USC 1692c ( a ). Pursuant to 15 USC 1692k any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of {$1000.00} per violation. ALLIANCEONE RECEIVABLES MANAGEMENT INC./ XXXX XXXX XXXX as confirmed is a debt collector who failed to comply with and violate the Fair Debt Collections Practice Act ( 15 USC 1692 ), 18 USC 1028, 18 USC 1028A , 15 USC 1692a, and violated 15 USC 1692c ( a ), is liable to me in the amount equal to XXXX XXXX Dollars and XXXX Cents ( {$5000.00} ) by Law !
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized.These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit reporting

I am a victim of identity theft and someone stole and used my personal information to open a XXXX XXXX XXXX Checking Account : XXXX and Money Market Rewards Savings Account Ending In : XXXX, the accounts are fraudulent, unauthorized and do n't belong to me.
Product: Credit card

XXXX XXXX XXXX charges {$XXXX} each month you are late on payments. I paid below the minimum every month thats all I could afford and they still charge me late fees of {$XXXX} each time for XXXX months for total {$XXXX}. The card is now closed but I want to have the late fees removed. I believe that XXXX is violating federal law guidance on the charging of late fees as it pertains to the Credit Card Accountability Responsibility and Disclosure Act of 2009 ( CARD Act ). Please assist me in recovering these fees and holding them accountable for blatant and illegal practices :
Product: Mortgage

Requested a  Loan Modification i n  XXXX   XXXX  to whence, after this request was consistently told from one moment to the next, the modification was incomplete yet no one could tell me what exactly or explain precisely what was needed. This was drug out until  XXXX   XXXX . What started out as a debt of about {$2000.00} ended up being close to {$8000.00}!!! Now, as I got ready to make my payment today, I am not hit with an additional {$400.00} or fees on top of my mortgage. The lender took me through much grief, worry, sickness and inconvenience only to tell me in  XXXX  or  XXXX  that I was denied because I had a modification 2 years earlier which was also a scam as they suckered me into a balloon payment of over {$18000.00} at the end of my mortgage. I have a total packet of over  XXXX  pages of back and forth issues and constant submissions.
Product: Student loan

I asked Citibank for a payment history of my Student Loan. I have called Citibank several times asking for the payment history from XX/XX/XXXX to XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I did a prequalification with GM Financial on XX/XX/year>. It stated at the top of the page that doing the prequalification would not affect my credit score, yet they sent my information to a local dealership ( XXXX ) and the dealership immediately put a hard inquiry on my credit report from the information that GM Financial sent them. I felt good about filling it out since it clearly stated on the same page as the information I was filling in, that it would not affect my credit score and that it was a prequalification only. I looked at my credit afterwards and there was a hard inquiry from XXXX, the local dealership. I called them and they said their system automatically runs it when GM Financial sent my information and there was nothing they could do and I should call GM Financial. I called GM Financial and they wouldn't even let me speak with a manager. They said since they didn't run my credit then there was nothing they could and I should call XXXX. No one would tell me what I needed to do or offered any help on the situation. How can you have a website that tells you that doing the prequalification will not affect your credit but then send you information to a local dealership that will automatically run your credit and put a hard inquiry on it? This is fraud and at the very least, it is terrible business practices.
Product: Credit card

I took a XXXX  to XXXX XXXX XXXX from the XXXX XXXX XXXX XXXX on XX/XX/year>. The agreed upon price for the ride was {$30.00}. The merchant showed me the XXXX XXXX machine with the {$30.00} charge after the ride, which I used my American Express card to tap to pay for. After that, the merchant turned the machine around and said we were good to go, so we left. Unbeknownst to us, the merchant had added a {$150.00} tip after we left that we never authorized. The merchant also never provided me with a receipt that I could sign for the final charge, which ended up being {$180.00}. I initially didnt recognize the {$180.00} charge at all, so I filed a dispute for the unrecognized charge, since the only cab related charge I was expecting from that day was a {$30.00} charge from the XXXX. After Amex provided a receipt showing the {$150.00} tip that I never authorized got added on, I was advised to re-dispute the claim as an over-charge, which I did. However, Amex did not rule in my favor, instead telling me to resolve the issue with the merchant. Amex has failed to provide me with a way to contact the merchant, and I did not save the merchants contact details as I was not expecting them to fraudulently and illegally tip themselves {$150.00} without my consent. Amex has refused to protect me from fraud, even when the merchant was unable to provide proof that I had signed for or in any way authorized a {$180.00} charge to my credit card for the ride to and from XXXX XXXX XXXX  that he provided. It is not uncommon for merchants to illegally tip themselves more than what the customer authorized, and I dont understand why Amex isnt willing to protect customers from this kind of fraud.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX are reporting inaccurate information the account listed as XXXX XXXX XXXX  has several inconsistencies which means the is account could not have been properly validated or verified. 

The information listed incorrectly is as follows : 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 Experian are reporting late payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To my shock, I found incorrect accounts listed on my credit report this morning, and Im baffled as to why. I check my report regularly, but today I noticed discrepancies that just didnt make sense. I even refreshed my browser, hoping it was some sort of technical glitch, yet the accounts remained. This has left me deeply concerned, and Im requesting a thorough review of my documents to ensure this issue is resolved permanently.
Product: Debt collection

I was contacted by Sunrise Credit Services on XX/XX/2020 at XXXX XXXX, about an amount owed to a previous debt ( XXXX XXXX XXXX bill was roughly {$190.00} ) I was contacted by an individual by the name of XXXX XXXX. When I informed him that I was going to be taking care of the debt with the original debtor. When I informed him of this decision he informed me that if I did this and the debt was put on to my credit reports, that this information would be put on my credit report " forever. '' Once he told me this, I immediately asked to speak to his supervisor, to which his response was : " There is no supervisor. '' I was able to contact the company again through the same number he contacted me through ( XXXX ) not 10 minutes after we got off the phone and was connected directly to the supervisor. I also asked XXXX XXXX where he was calling me from, and he would not give information other than he was calling from the XXXX, or that their headquarters was in New York. I know that debts do not stay on my credit forever after they are paid, but this is the predatory misinformation that is used to scam people into paying debts that they either can't afford, or might not even have. After speaking to the supervisor that WAS present, XXXX XXXX, She informed me that she will be reviewing the recording of our conversation. I don not know truly what will come of this, though I doubt anything will seriously be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information and that of millions more in the country. 
The breach in XXXX XXXX has put us all at risk. I 'm extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call. I discovered the news via a news alert on my phone. Equifax should be required to monitor ALL accounts, for life, and notify victims if any fraud occurs. Credit fraud protection should be inclusive to ALL accounts, not a pay-for feature. This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 

I have spent and will continue to spend uncountable hours, and will waste money I should n't have to part with just to freeze accounts if it comes to that. This is an undue burden from a company I have never chosen to do business with. Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Product: Credit reporting or other personal consumer reports

1. Conduct a thorough investigation into the reported inaccuracies for all accounts listed 1.Identity Theft. 
XXXX XXXX XXXX Account XXXX My parent has the same name as me.

2.Identity Theft. 
XXXX XXXX XXXX Account XXXX Please remove inaccurate reported late payments update to paid as agreed 3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please Update all payment, all pay was made on time.

4.Identity Theft. 
XXXX XXXX XXXX XXXX Account XXXX Please removed from my public record 5.Identity Theft. 
XXXX XXXX Account XXXX i dont recall having latepayment on this account XXXX. Identity Theft. 
XXXX XXXX XXXX Account XXXX Please supply information on how you have verified this item. 
XXXX. Validate Account XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX Theft. 
XXXX XXXX XXXX Account XXXX I need to see al bank transaction that belong to this company that would proved my payments were not accepted on time or you need to removed these unverified late payment XXXX. Identity Theft. 
XXXX XXXX XXXX  Account XXXX Please investigate and delete from my credit report.

10.Identity Theft. 
XXXX XXXX Account Number : **** This is not mine. I am a victim of ID Theft and I have included a police report.

Please investigate and remove from my credit report.

11.Identity Theft. 
XXXX XXXX NA
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

AssetCare LLC Accounts opened in the amounts of : {$800.00}. 

This letter is being sent to you in response to notices seen on credit report and more importantly, due to your erroneous reporting. It's has highly made a negative impact my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
Product: Credit reporting or other personal consumer reports

I

n 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. 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

Two XXXX accounts are still on my accounts were removed after the seven year mark but keep getting readded. Un informed phone agents is all I keep getting over the phone that have zero knowledge.