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

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C These accounts below are violating my rights Account Numbers : XXXX XXXX XXXX XXXX
Product: Student loan

I have private student loans through XXXX from years ago, but were just sold to XXXX. However I have a variable rate for them, and I wanted to see if I could refinance them from the 11 % that they are at now to something fixed and lower. I called my service, AES and they said they just service the loans and they do n't handle those things. So I called XXXX, and they advised they no longer write student loans and my options were to find another carrier that I could refinance with. It should n't be that hard to get my loans refinanced or the terms changed so I am not paying 11 % interest. I am a good customer, I always pay on time and I have only ever requested a forbearance a couple times. Nothing habitual that should make this a difficult process.
Product: Credit reporting or other personal consumer reports

Formal Dispute of Unauthorized XXXX  XXXX XXXX Account I am writing to formally dispute the existence of an account under my name with XXXX XXXX XXXX that I believe has been opened fraudulently and without my consent or knowledge. I only became aware of this account by reviewing my credit report on XXXX, which indicates an account listed by XXXX XXXX XXXX [ insert any account number or reference if available, or state 'with no specific account number provided ' ]. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or fraudulent information on my credit report and request that it be investigated, corrected, or removed as necessary. This unauthorized account is not only inaccurate but also damaging to my credit standing and is the result of identity theft. 

I hereby request the following actions be taken as per the FCRA guidelines : Verification of the Account : Please conduct a thorough investigation into this account to verify its authenticity, how it was opened, and any documentation that was used to establish this account in my name. I assert that I did not authorize the opening of this account and have no knowledge of it prior to my credit report review.

Immediate Freeze on the Disputed Account : Pending the investigation, I request an immediate freeze on the account in question to prevent any further fraudulent activity. 

Correction of Credit Reports : Should the investigation confirm that the account was indeed opened fraudulently, I demand that this account be removed from my credit report with all three major credit bureaus ( XXXX, Experian, and XXXX ) to correct the information and restore my credit score.

Written Documentation : I request written confirmation of the investigation 's findings and a confirmation letter once the account has been removed from my credit reports. 

I expect a response to this dispute within the legally mandated timeframe of 30 days as outlined by the FCRA. Should you require any further information or documentation from my side, please do not hesitate to contact me at XXXX or XXXX. 

Thank you for your immediate attention to this serious matter. I trust in the Consumer Financial Protection Bureau 's commitment to protecting consumers against fraudulent financial activities and credit reporting inaccuracies. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I made a mobile recharge for my XXXX number for the plan XXXX as on XX/XX/2020 and the funds were immediately debited from my account for XXXX but recharge was not successful and then I contacted XXXX customer but they said we did not receive your payment and then I contacted gpay customer care they said your money will be refunded by XX/XX/2020 but till now either the money is not refunded or the recharge is not successfully, could you please do the needful.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Today, I decided to look at my updated credit report and noticed that they were 4 hard inquiries that I never authorized or have knowledge of. I ask that these inquiries be properly investigated and I also want to receive a copy of proof of how these inquiries were verified. I never gave these companies permission to view my credit report. I 'm also aware that according to my FCRA rights, inaccurate information is n't allowed to be on my credit report. I DEMAND that these inquiries are REMOVED immediately. The inquiries are : XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX XXXX- XXXX/XXXX/XXXX XXXX XXXX- XXXX/XXXX/XXXX
Product: Mortgage

From XX/XX/2024 to present all automatic payments are not being applied correctly to the account, causing the mortgage company to report it to credit agencies as delinquent. I have contacted the mortgage company nearly 20 times, I have provided my bank statements on 3 separate occasions giving proof that payments have been made but they have not corrected the issue. My credit score has now dropped XXXX points as a result of their continued mistake.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX XXXX is a victim of Identity theft. These companies ( Transunion, XXXX, and XXXX ) utilized /furnished my consumer report without my authorized consent, or written instruction. My personal information was shared, presented and furnihed without my consent. Congress has stated that consumers have the right to privacy. These companies listed above, has violated my federal protected right to privacy. Failure to meet the needs of congress has had a negative impact. The companies listed has not exercised their responsibility to confidentially protect my personal information. The Fair credit Reporting Act was generated to enforce that the consumer reporting agencies provided fairness, and respect to the consumers right to privacy! 
Under the Gramm Leach Bliley Act of 1999. I enclosed all documents social, Identity, and statement
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
PXXXX XXXX XXXX XXXXXX/XX/2023
Product: Mortgage

I bank with TD Bank and have my mortgage, checking and savings accounts with TD Bank. When I moved from one address to another, I updated my address by calling TD Bank 's customer service, however, the agent failed to update my address for mortgage account while he updated it for my savings and checking account. TD Bank received undelivered mail for my mortgage account and never bothered to inform me through email or phone both of which they have available. In the meanwhile, the monthly mortgage payment went up from {$1000.00} to {$1000.00} due to change in escrow, hence increasing the payment by {$22.00}. I had an automatic payment set up from my TD Bank checking account to TD Bank mortgage for {$1000.00} monthly and was never made aware of the change in payment. I happened to see the change XX/XX/XXXX, almost 8 months after the change and called up TD Bank. They had by that time charged me several fines of {$33.00} each, used my payments for payment of additional principal pay downs and in ways that even customer service agent also could not fully explain what the algorithm used for my payments. In any case, I brought myself up to date by paying the fines and made the additional payments in XX/XX/XXXX and requested that I be paid back the fines and my credit report be corrected. I have maintained a large balance in checking account at TD Bank and there was always sufficient cash available in the account to pay the additional {$22.00} per month. Since I have been a customer of TD Bank for over 8 years, I thought it would be a simple thing to get my credit corrected and fines credited back to me after the bank looks at the circumstances. However, TD Bank refused to do so. I strongly believe that the issue arose because of their customer service agent 's mistake and second because they failed to inform me when they were getting my mail returned to them. I would appreciate if you will take up the matter with TD Bank and have the matter sorted out. I would like to have fines returned and most importantly my credit corrected.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to address an ongoing and pressing issue concerning my credit report. Despite my numerous attempts to rectify the situation, fraudulent items continue to be erroneously listed on my credit report. I am deeply concerned about the impact this is having on my financial standing and my ability to access credit when needed. 

I first became aware of these fraudulent items and promptly took action to report and dispute them. Since then, I have made multiple attempts to provide evidence of the fraudulent nature of these accounts, including police reports, identity theft affidavits, and correspondence with the relevant creditors confirming the fraudulent activity. 

Despite my diligent efforts, these items remain on my credit report, negatively impacting my credit score and financial stability. It is imperative that these fraudulent items be removed promptly to ensure the accuracy of my credit report.

I am requesting the following actions to rectify this situation : I kindly request that you promptly remove the aforementioned fraudulent items from my credit report. It is crucial that they are deleted as soon as possible to mitigate the harm to my credit score. 

I request that a thorough investigation be conducted into the authenticity of the disputed items. I have provided substantial evidence to support my claims of identity theft, and I urge you to take this matter seriously. 

Please liaise with the relevant creditors to ensure that they are made aware of the fraudulent nature of these accounts and update their records accordingly. 

Upon the successful removal of these fraudulent items, please provide written confirmation of their deletion from my credit report. 

I understand that the process of investigating and resolving such matters may take some time, but I request your assurance that it will be handled diligently and efficiently. Failure to address these fraudulent items can have severe consequences on my financial well-being, and I may have no choice but to pursue legal action if this matter is not resolved satisfactorily. I am asking for your assistance to remove the following fraudulent 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
Product: Vehicle loan or lease

I am submitting this complaint regarding an issue that occurred with my Capital One account due to a system glitch during the week of [ XXXX ] XXXX. 

My automatic payment of {$460.00} was scheduled for XX/XX/XXXX. However, the Capital One online portal indicated that transactions were not being processed due to a system issue. Concerned about a potential delay, I manually submitted a payment of {$460.00} on XX/XX/XXXX, opting to cancel the automatic payment to prevent a duplicate charge. 

Despite this, on XX/XX/XXXX, Capital One processed both the automatic and manual payments, resulting in a total withdrawal of {$930.00} from my account. This caused my account to overdraft and led to {$270.00} in non-sufficient funds ( NSF ) fees. 

I contacted Capital One, and while they offered to reverse one of the payments, they refused to reimburse the NSF fees, despite the issue stemming from their system error. This has placed me in a severe financial bind, and I can not afford to take this loss due to their technical malfunction. 

I am requesting that Capital One fully resolve this issue by reimbursing the {$270.00} in NSF fees incurred due to their system failure. I appreciate your assistance in helping me rectify this matter.
Product: Credit reporting or other personal consumer reports

Dear XXXX  Dispute Resolution Team, I am writing to formally dispute fraudulent accounts that were opened in my name as a result of the XXXX data breach. After becoming a victim of this breach, I have identified unauthorized accounts linked to my Social Security number that I neither opened nor authorized. For your reference, I have attached a copy of my Identity Theft Report. 



Below are the details of the fraudulent accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know where start. I so XXXX right now I have been fighting with all Credit Bureaus about this issues. On my reports there a XXXX XXXX  that was open XX/XX/XXXX. I have NEVER and I repeat NEVER had account with them in my life.. Why is this so hard to get remove when it not mine. I have been sending disputes since XX/XX/XXXX and nothing to this day has came off. I understand that people lie abou this but I am not and wouldnt fighting so hard if I was. This is really damaging my report and I want it remove.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and these entries were fraudulently opened or initiated without my knowledge or consent. Pursuant to 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I request these items be removed immediately from my credit report.

Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

There was no report generated, when I requested one. The portal stated that I needed to mail in a copy of my ID, Social Security Card, and proof of address. After doing so, and waiting quite some time, I received a letter. It is one of those that are preformatted. Here, they simply ignored what I was asking for and didn't explain what- if anything - was missing from my request. When a business tells you that you have to write a letter, and you can't call, e-mail, or fax, it is a way of making things harder and letting you know that it IS going to be hard for you to get what you want. At this point, I need a someone to reach out and provide the steps to follow and, when received, confirm that they meet the necessary requirements. This is a consumer-reporting agency, and they are not allowing access in a manner which is clear, concise, and forthcoming. The best way to reach me is via e-mail. This will assure that if I am unavailable when they call, I can reply and follow the necessary steps.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked.I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXXto support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : LATE PAYMENT XXXX XXXX XXXX XX/XX/2023 XX/XX/2023 CLOSE ACCOUNT XXXX XXXXXXXX XXXX XXXX {$630.00} As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX, EQUIFAX, XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Vehicle loan or lease

We mailed a check in the amount of {$24000.00} to pay off and close an open auto loan account # XXXX on XX/XX/2021. Attached are the supporting documents and the proof of payment. The check was received by Mercedes Benz Financial on XX/XX/2021. Mercedes Benz Financial processed this check and credited another closed loan account causing an overpayment on the wrong closed loan account. Mercedes Benz Financial continued to charge me interest on the open loan account and also took an additional payment from me. I called Mercedes Benz Financial on XX/XX/2021 to notify them that they had made this payment to a wrong loan account. Mercedes Benz Financial confirmed that this error would be corrected in 3 to 5 business days. It is now XX/XX/2021 and the wrong payment still has not been corrected. The closed loan has an overpayment of {$24000.00} while the loan that should have been paid off and closed is continuing to charge me interest and payments are still due on the loan that should have been paid off and closed. I tried my best to resolve this directly with Mercedes Benz Financial and they have been unwilling to correct their error and still have not paid off and closed the open loan. The closed loan is sitting there with an overpayment of {$24000.00} while my open loan that was supposed to be paid off and closed is continuing to charge me interest while also taking payments from me. This is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover Card has been setup on a payment plan and balance has been agreed upon for settlement. Discover card has been contacted and yet will not act to correct the balance, payments made and this has to be addressed as per letter that is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I was talking to some XXXX XXXX XXXX representatives about switching my phone service from XXXX. They had to run a credit score check and gather other information in order to confirm that I  was eligible for their promotion that they were marketing. I was eligible and signed up for a new phone service with them, paid the taxes on the phone, and got an explanation of upcoming bills. I received the phone in the mail on XX/XX/20, but due to a busy work schedule was not able to contact the XXXX XXXX XXXX representative I was assigned until the evening of XX/XX/20 about how to activate my phone. He is a new representative, so he needed to meet with his supervisor the next day for support on activating my phone. On XX/XX/20 we had been texting about the phone activation and he let me know there were some issues, but that it wasn't a big deal, he just had to contact " the tower '' and figure some things out and would let me know when my phone was activated. On XX/XX/20 the representative and his supervisor called while on the phone with the activation people, so I could verify some information. The person on the phone then tells me that I owe a {$250.00} deposit ( this was not discussed previously in the breakdown of payments or bills ). Even the representative 's supervisor who says he has been doing this three and a half years, has never heard of such a thing - that if I was to pay a deposit, it would have come up when I was originally signing up, not after I had already received the phone. They said it was because of my credit score. The representative 's supervisor and the person on the other end both escalated the situated as they weren't sure what to do and told me I would hear from them the next day. I hopped online that day and checked my credit score, which was XXXX, which is about what I expected to see, so I couldn't understand how they thought it was low and required a deposit. I checked my mail today, XX/XX/20 and have a letter from XXXX XXXX XXXX regarding my credit score from SageStream , LLC. XXXX XXXX XXXX, XXXX XXXX, CA XXXX. XXXX www.sagestreamllc.com So, I read the letter and it stated that my credit score per SageStream was XXXX!!! I went online and found on XXXX XXXX and multiple other websites that many people with good credit scores and reports through reputable companies have then had VERY low credit scores with SageStream.  I am not sure if it is just SageStream that is doing harm, or if XXXX XXXX XXXX is aware that their scores will be low, therefore allowing them to force people to pay additional fees based off of a false credit score. I can not prove XXXX XXXX XXXX 's intent, but I can very much verify that SageStream is providing companies with false credit scores that are lower than what they actually are. I was going to go on the SageStream site today to dispute this matter, but it was asking for personal information, which at this point, I am not comfortable giving to this company that I believe to be scamming people and providing fraudulent information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I would like a current copy of my credit report and that you remove any freezes or Fraud Alerts from it. 
Under the FCRA, I can get a free copy of my credit report every seven days. 


Disputed item : I have never lived at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and under the FCRA you can not just state that because an account shows that address that you are leaving the address on my credit report you must do independent research and provide me with the type of research you did and the outcome. 

I have no problem filing a complaint with the CFPB and filing a lawsuit under section 1681n. Civil liability for willful noncompliance of the FCRA. 



XXXX XXXX XXXX