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

I am writing to express my frustration and disappointment with the ongoing issue regarding the correction of a late open account on my record, despite my multiple attempts to rectify the situation. Despite providing thorough documentation and adhering to the prescribed procedures, it is concerning that the problem persists without resolution. 

Despite my persistent efforts to address this matter, it is disheartening to encounter continued obstacles and delays in achieving a satisfactory resolution. 

I urge you to prioritize this matter with the utmost urgency and take immediate steps to correct the late open account entry on my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to correct this account in my credit file : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$6200.00}.
Product: Credit reporting or other personal consumer reports

My scores dropped even when I paid off my credit card and credit usage decreased. Only Equifax dropped my score when they should have either stayed the same or increased.
Product: Checking or savings account

I am a victim of identity theft. I have never applied or had a checking or savings account with Bank of America because I was XXXX  from XX/XX/XXXX until XX/XX/XXXX. Please close any Bank of America checking or savings accounts under my name. They are all fraudulent accounts. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 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
Product: Credit card

I stopped using my XXXX Credit card several years ago- ( 9-10 yrs ). Not so soon after that I was sent bills from XXXX to pay for items ( {$10000.00} ) I never bought, and alerted them about this. I also asked target on several occasions to send me the original receipts w/my signature. They never sent them..With-in a year or so after that, THEY SUED ME THEY NEVER SERVED ME AND the case went into judgment- I ONLY LEARNED OF THE JUDGMENT WHEN MY EMPLOYER RECENTLY RECEIVED A NOTICE OF GARNISHMENT. 

MY NEW ATTORNEY WENT TO THE COURT COPIES THE FILE AND DISCOVERED THAT I WAS NEVER PROPERLY SERVED THE AFFIDAVIT OF SERVICE WAS INCORRECT. 

I FILED AN OSC TO VACATE THE JUDGMENT AND A STAY WAS GRANTED. 

XXXX IS TRYING TO COLLECT MONIES FROM ME WHICH I DO NOT OWE.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. I found that under section XXXX of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these items : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX CO XXXX AR XXXX XXXX, KS XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$380.00} XXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA MIDLAND CREDIT XXXX Debt buyer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Cease and Desist Demand Dear Midland credit management XXXX XXXX writing to formally request that you cease and desist related to credit/debit that you want to stop, unauthorized transactions, harassment, It has come to my attention that between XX/XX/year> XXXX. This behavior is not only unwarranted but also [ mention any relevant legal or contractual violations ]. 

As a consumer, I have the right to protect my financial information, dispute unauthorized charges. I expect that this matter will be resolved promptly and that you will take the necessary steps to ensure that it does not happen again. 

Please consider this letter a formal notice that if you do not cease and desist from the above actions, I will be forced to take appropriate legal action to protect my rights. 

I expect a written response to this letter within XXXX days confirming that you have ceased the disputed actions. 

Thank you for your prompt attention to this matter. 

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

On or about XX/XX/2021, consumer sent letter to Equifax followed with FTC identity theft report of inquiries on consumer 's credit report which do not belong to consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of the attachments that will be produced are the accounts in question for fraud and misuse of my information all credit reporting agencies XXXX, XXXX, and Transunion should be taken off immediately due to wrongful reporting on accounts that do not belong to me under section 623 you have 30 days to respond with proof of signatures and ID connecting me to this
Product: Mortgage

I am trying to get a three month forbearance on my mortgage. The XXXX and the state of Maryland said that I had to close my XXXX   XXXX  because of the covid 19 virus. I called the mortgage company several times and was put on hold for hours. Looking on XXXX I can see that many other people have had the same experience. The company does not have any way to initiate the process on-line.
Product: Credit reporting or other personal consumer reports

Date of First Delinquency : XX/XX/2019 I did not open or authorize this account, nor do I have any knowledge of the transactions associated with it. This fraudulent account is negatively affecting my credit score and my financial well-being. In accordance with 15 USC 1681i, I am requesting that you conduct a thorough investigation into this matter and take the following actions : 1. Verify the accuracy of the account information. 2. Determine the origin of this fraudulent account, including how it was opened and by whom. 3. Remove this fraudulent account from my credit report as it is not a legitimate account associated with me. I am including with this letter copies of documents that support my identity, such as a driver 's license or passport, as well as any other evidence that I believe is relevant to this dispute. Please note that I have also filed a report of identity theft with my local law enforcement agency, a copy of which is enclosed for your reference. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Date of birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX Telephone number : XXXX XX/XX/XXXX Dear Equifax, I am writing to dispute the following information that appears on my Equifax consumer report : Dispute 1 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Type of disputed information : Installment Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 

Dispute 2 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Type of disputed information : Installment Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 

Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Debt collection

this company, changes variations of its names, dings my credit, pulls it off, dings it again, sells the debt, pings my credit, over and over ... I have made complaint, had it removed, only for them to come back do it again, this company Commonwealth and XXXX appear to be in this together
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 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 to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also state 's a consumer Reporting agency can not furnish account with out my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affirm is reporting that the loan is still open and that I still owe them when I in fact paid the account in full. I tried to get the account disputed but I affirm did not dispute it. Due to this I lost XXXX points to my credit score.
Product: Credit card or prepaid card

Dear Consumer Protection Bureau I have been a customer of XXXX XXXX XXXX for the past 3 years. I had a FICO score of XXXX and above. during the past 3 years I have always paid the time on timely manners and never been late on the payment at all. I will be happy to provide you my payment history with XXXX XXXX. 
I checked my FICO score with XXXX XXXX and Experian and it was really devastating to find out that my FICO score has dropped from XXXX + to XXXX lower over XXXX points on my credit report due to decrease of limit on my XXXX XXXX card from {$10.00} XXXX. XXXX XX/XX/XXXX I called XXXX XXXX and the representative said that we checked your credit report with Transunion and we decided to change your limit from XXXX to {$5800.00} and we have not send you any notice yet credit card companies are required to give a 45 days written prior notice to consumers in order to make such a big change. right now I have drop of credit score and I am not able to transfer the balance from XXXX XXXX card to any other credit card company because my credit is terrible now. as a consumer of XXXX XXXX I would like XXXX XXXX to go ahead fix my credit limit on my credit report and I have no problem not being able to use the card I just want my fix credit. 
I will be happy to provide you with my credit report that I have not used all my credit limits and I pay all my bills on time. XXXX XXXX has damaged my credit and they need to take care of that. 
please let me know what they can do for me to take care of this matter
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 USC 1681. 

Account Name XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : Untitled Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Mortgage

I request that you make out a check of {$24000.00} to resolve the title fiasco which is ongoing. Instead of closing on the sale of the condo last summer, as scheduled, we barely closed just now in the autumn after arduous labor, and a still unresolved title problem. It was just short of four months of delay and legal work involved with this corrupt, but insured title. 

Here is the breakdown : Common charges for four months $ XXXX {$1600.00} Mortgage payments for four months since the scheduled closing $ XXXX {$5000.00} Escrow held by the title company because of the still corrupt title= $ XXXX Legal fees of my husband, an attorney, for four months of work= {$12000.00} Extra legal fees paid to our transaction attorney XXXX XXXX= {$4000.00} more than originally agreed upon, but an additional amount paid due to the extra work required to close Total= {$25000.00} Will you issue that check please? 

Also, you should issue a check to XXXX XXXX for unpaid legal work done to resolve this corrupt title.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXConsumer Financial Protection BureauXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject XXXX Dispute of Incorrect Late Payments on Mortgage Account** Dear Consumer Financial Protection Bureau, I am writing to formally dispute the incorrect late payment entries on my credit reports from TransUnion and XXXX for my mortgage account ( Account # XXXX XXXX XXXX. These entries are not accurate and negatively impact my credit score and financial standingXXXX XXXXDetails of the disputed information XXXX XXXX XXXX XXXXAccount Number** : XXXX XXXX XXXXAccount TypXXXX : Mortgage - XXXXAccount StatusXXXX  : Open - XXXXMonthly PaymentXXXX : {$2900.00} - XXXXDate OpenedXXXX : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( XXXX ) - XXXXBalanceXXXX  : {$450000.00} XXXX XXXXPast DueXXXX  : {$6500.00} - XXXXPayment StatusXXXX : Late 60 Days - XXXXLast ReportedXXXX XXXX XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( XXXX ) - XXXXDate of Last PaymentXXXX : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXDiscrepancies in Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion : XXXX XXXX XXXXLate PaymentsXXXX : 60 days ( XX/XX/XXXX, XX/XX/XXXX ), 30 days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXLate Payments** : 60 days ( XX/XX/XXXX, XX/XX/XXXX ), 30 days ( XX/XX/XXXX ) These late payment entries are inaccurate. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information on my credit report. The credit reporting agencies are required to investigate and correct any inaccurate, incomplete, or unverifiable information within 30 days of the dispute being filed. 
XXXX XXXX XXXX XXXXAction Requested XXXX XXXX  1. **Investigation and CorrectionXXXX : I request that the Consumer Financial Protection Bureau investigate this matter and ensure that TransUnion and XXXX update my credit report to reflect accurate payment history.

2. XXXXNotificationXXXX  : Please notify me once the corrections have been made. 

Enclosed are copies of my credit reports from TransUnion and XXXX highlighting the disputed entries, as well as documentation proving my timely payments for the disputed months. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving these inaccuracies. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Thought I had changed " auto-pay full amount '' to " pay minimum '' prior to payment date, because I knew there would be insufficient funds in my checking account. Apparently I did not do it correctly, and the auto-pay for the full amount was processed. I was checking all my accounts on XX/XX/XXXX and saw that my balance was, in fact, considerably less than it should have been, and on investigating saw they had processed the full payment. I called immediately and they checked my account and said the auto-pay had NOT been changed, and the account was paid in full. I explained that was not possible because there were insufficient funds, and sure enough I saw my checking account had just penalized me for the transaction. The customer service experience was difficult, but I finally had someone who ( 1 ) made sure the auto pay was changed to minimum, and after speaking with someone else said they would take back the payment less the minimum due for XX/XX/XXXX, and all would be well. I checked on XXXX and the account still showed it had been paid in full, AND there was a fee for the returned payment due to insufficient funds. I called AGAIN, and was now told it was up to me to work it out with my bank, which made no sense. I called my bank and stopped all future auto payments with this card issuer. I wrote a message to them on my account, and got a ridiculous answer telling me that according to their policy they will try to take the full payment 3 times ( which will result in more fees for them ). They seem completely unable or unwilling to understand the problem and I am very angry I will be charged more returned payment fees and am powerless to do anything to fix it.
Product: Vehicle loan or lease

We have 3-year auto loan through Mazda Financial services XXXX We had the account set up for recurring payment which processed successfully on XX/XX/21, XX/XX/21, and XX/XX/21. 

In XXXX, my wife and I attempted to change the recurring payment account to our joint checking account. Mazda Financial Services allowed us to make the change, and we received an email on XX/XX/21 that our recurring payment was about to proceed. 

Our complain is in regard to what happened next. Mazda Financial cancelled our recurring payment without notifying us. The account went unpaid until XX/XX/21 when we realized that they had not debited our account in XXXX, XXXX, and XXXX. The recurring payment had been cancelled and completely removed from our account. We immediately paid the full outstanding balance and setup the recurring payments once again.

Mazda reported our late payments to the credit agencies/companies and our credit score took a massive hit, to the point where our application for a home loan was denied. We had stellar credit scores before this happened. We were making a good-faith attempt to pay the monthly balance through auto-pay, so we believe this is extremely unfair given we were not notified of any issue. 

When we called Mazda Financial Services they couldn't even tell us why exactly the payments had been cancelled, and couldn't tell us what account they had attempted to transfer the payments from. We have no way of knowing what caused the error/cancellation of our recurring payment.
Product: Mortgage

I had a Mortgage that was owned by XXXX XXXX XXXX. It was then sold to Rushmore Loan services. I fell behind in making payments and they offered me a solution to " help '' make my payments current. They ended up adding over {$34000.00} in fees to my loan in XXXX XXXX. Keep in mind at that time they only had my loan since XXXX XXXX, so in less than 5 months they say I accumulated over XXXX in fees? I did n't even realize they were adding that at the time to my principal. I was worried and signed the paperwork as they threatened to foreclose on my home! I never realized they increased it until I looked at my statements XX/XX/XXXX after I have made successful payments to them, and thinking I might have made a dent in my balance. I was shocked to see such a balance.
Product: Consumer Loan

My wife and I purchased a 2006 Jeep Grand Cherokee XXXX in XXXX, TN.We financed it thru Capital One Auto Finance, whom I am sure you are aware has had many issues with it 's customers.Well, I did n't just have an issue, I 've had too many issues to list here but let me just say that they have affected my life in a way that is hard to comprehend ... I purchased the vehicle for {$33000.00} with no negative equity from my trade in, because I also signed over a second trade ( JEEP GRAND CHEROKEE ), that was also PAID FOR.The original contract had 16 % Interest with a duration of 66 months @ {$920.00} monthly.That comes to a total of $ XXXX.I have every Statement, Notice and letter that was ever sent to me and I WILL MAKE IT AVAILABLE TO YOU UPON REQUEST.Capital One confirmed and I have all my receipts for 57 payments of {$920.00} which is a total of $ XXXX.Now they have marked my credit as CHARGED OFF and show NO PAYMENTS ON THE ACCOUNT AT ALL.They also have the Balance owed at $ XXXX.This caused my credit to fall over 200 points, making it Impossible to buy a car to go to work, or help my Son get a car.I have had it with this Company and only want to go to work and be a productive citizen.I have been getting all news feeds from the CFB since the day that you opened your doors, and I have confidence that the CFB can mediate this situation and make Capital One realize that they can not take advantage of people in this way anymore.Thank you Very, Very Much XXXX
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report from all XXXX XXXX  credit bureaus and seen a bankruptcy being reported in my name. I was unaware that you guys report this private information to the bureaus without the consumer consent. I called them and they stated you " the clerk/ Authorized person '' reported it. I would appreciate a letter back stating that you " the clerk/ Authorized person '' do or do not report to the credit bureaus, and what method is used along with the person or department that reported the information and the procedure used to report that that information.
Product: Mortgage

I wanted to refinance my existing loan XX/XX/XXXX with Amerisave. Amerisave is in the business of " bait and switch ''. I was told that I could get a loan basic on my credit score ( XXXX ) and income. They had me get an appraisal XXXX to start the loan process without a " Good Faith Estimate ''. Amerisave required consumers to order and give payment authorization information for an appraisal before it would provide a Good Faith Estimate ( GFE ) for the mortgage, I found out later that the appraisal orders were being referred to its own affiliated company. During the loan process there was always something they needed. The out come was to get a loan for XXXX dollar more than what loan owe on my original mortgage. Amerisave was fined by CFPB Orders Amerisave To Pay {$19.00} XXXX For Bait-And-Switch Mortgage Scheme XX/XX/XXXX. I called amerisave customer service, I just wanted a refund of my appraisal fee and got the run around. Something needs to be done about scams companies like Amerisave. Thanks.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federa

lly 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.