23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I pruchase a years insurance with Original creditor : XXXX XXXX XXXX XXXX paid for a year upfront then XXXX months later they billed me for more i called them told them i paid the amount on my bill for a year they have no agreement with me for addituinal insurance but stil try to bill me for something i did not agree to then they cancel the insurance i paid XXXX XXXX for XXXX year and sent the additional bill for XXXX dollars witch i never agreed to now it shows as a bad debt on my credit report i never agreed to this or did i ask for more insurance they have not agreement or sign contract theat i sign for or agreed to in any form
Product: Vehicle loan or lease

I am writing to bring to your urgent attention a critical issue concerning my credit report. Upon reviewing it, I have discovered fraudulent account that do not belong to me. I formally dispute the presence of this unauthorized account and request their immediate and aggressive removal from my credit report. As a victim of identity theft, I am perplexed as to why the CRA is not complying with the law, especially when the other bureaus have done so. I have provided supporting documentation, including a copy of my identity document, and any other relevant materials, to substantiate the claim that this account is a result of identity theft or fraudulent activity. The fraudulent account in question : ALLY FINANCIAL XXXX. 

Recognizing the importance of your role in maintaining accurate and reliable credit information, I urge you to swiftly and aggressively investigate and remove this fraudulent account from my credit report. It is crucial that these unauthorized entries be deleted as soon as possible to prevent further damage to my credit score and financial standing. I appreciate your understanding of the urgency surrounding this matter and request your prompt attention in resolving this dispute. I hereby request that you initiate an immediate investigation into this fraudulent account and provide me with the results as soon as possible. I expect that you will take all necessary actions to promptly delete these entries, ensuring the accuracy and integrity of my credit report. Thank you for your prompt attention to this matter. I eagerly anticipate a swift resolution and the removal of the fraudulent account from my credit report.
Product: Checking or savings account

Ok. The bank of America called me and also receive fraud alerts to my phone number, after the message I got a call from the bank of America Wich I check the number, and it was them and they explain someone try to do a XXXX activity from my account so I let them know I didn't they told me make a transaction to your own self to protect your.money I tell them no ... They said mam will be to your own XXXX account and how you register in your bank I didn't provide any Info, I send it to myself XXXX XXXX XXXX, last name and own phone number and no even XXXX and the bank know where is my money now, no one has protection and really hard to talk to XXXX they been trwu the ball to each other XXXX please help!!!
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I was referred outside of XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, contact number XXXX. XXXX XXXX was to invoice XXXX  with preauthorized code for outsourced fee base reimbursement. ( XXXX  patient, myself, not responsible XXXX XXXX XXXX accepted assignment for care and refused to file to XXXX. Received invoice for {$2000.00} which I disputed. No response from XXXX XXXX. They have no placed this amount with XXXX XXXX collection agency, AssetCare, assigned ACCT # XXXX and their phone number is XXXX. I have called to dispute and asked to call XXXX XXXX directly to dispute. This is not a debt I am responsible for and XXXX XXXX and their collection agency refuse to assist.
Product: Debt collection

I am beyond frustrated with the way your bureau has handled my identity theft case. I have done everything by the book with disputing these accounts, yet your bureau continues to make absurd claims that the documents Ive submitted are not valid. I know the consumer laws and the courts are very lenient with the banks and credit reporting agencies, but I refuse to let XXXX get away with their incompetence any longer. Ive contacted the bank in regards to this matter, and they claimed its been resolved. Ive contacted the law enforcement agency and filed a report and affidavit, and they have confirmed that my identity theft report is valid. And lastly, Ive contacted the credit reporting agencies. The two other credit bureaus have removed the accounts per legal requirement, but your bureau feels Im not following all the steps. This is unacceptable. I demand that the Consumer Financial Protection Bureau ( CFPB ) look closely at this case and hold XXXX accountable for their actions. I have filed my identity theft report with a law enforcement agency, and identitytheft.gov is a federal law enforcement agency. There is no excuse for your bureau 's incompetence. XXXX XXXX XXXXXXXX XXXX. For the record, I am the person submitting this complaint. I have not hired a third party, nor is anyone helping me. I demand that this matter is handled with a sense of urgency. All this grief of identity theft and not having any access to my credit is creating a ton of emotional and physical distress. Its causing a great deal of strain in my work and personal lives. I am literally losing my mind because I have no other recourse.
Product: Debt collection

Why has your bureau not taken immediate action to delete the fraudulent accounts as soon as an identity theft complaint was filed? HOW CAN YOU JUSTIFY CONTINUING TO REPORT ACCOUNTS THAT HAVE BEEN IDENTIFIED AS FRAUDULENT BY OTHER CREDIT BUREAUS AND ACKNOWLEDGED AS SUCH IN MY IDENTITY THEFT COMPLAINT? DO YOU COMPREHEND THE SEVERITY OF THE CONSEQUENCES I AM FACING DUE TO YOUR NEGLIGENCE IN RESOLVING THIS MATTER PROMPTLY? I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. Despite the gravity of the situation, the accounts in question persist on my credit report, undermining my financial standing and causing irreparable damage. 
XXXX XXXX XXXX XXXX  XXXX PLEASE DELETE!!!! 
XXXX XXXX XXXX XXXX  XXXX PLEASE DELETE!!!! 
I demand the immediate deletion of the fraudulent accounts from my credit report. Your failure to address this matter expeditiously constitutes a blatant violation of the FCRA and an infringement on my rights as a consumer. I insist on a written confirmation of the removal of these accounts within the shortest possible time frame
Product: Credit reporting, credit repair services, or other personal consumer reports

You are reporting deleted information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. This is the account that needs attention in my personal file : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is not a duplicate complaint. This is in response to complaint # XXXX, XXXX, and XXXX. 

I am writing to express my deep concern regarding significant violations of the Fair Credit Reporting Act ( FCRA ) by XXXX, XXXX XXXX, and Experian. These violations are specifically related to the substantial delays in rectifying inaccuracies on my credit reports managed by these agencies. Notably, these delays are a direct infringement of my privacy rights as outlined under 15 USC 1681, section 602. This section of the FCRA is pivotal in ensuring the protection of my personal information, yet these agencies have failed in this regard. 

Moreover, the severity of this issue is further underscored by the provisions of 15 USC 1681, section 604a ( 2 ), which mandates the strict safeguarding of consumer privacy. This blatant disregard for consumer privacy by these credit reporting agencies is unacceptable. 

Additionally, there are concerns regarding the reporting of late payments. As per 15 USC 1666b, a creditor should not report a payment as late for any purpose in a credit card account under an open-end consumer credit plan without proper justification. In my case, these agencies have reported late payments in contravention of this statute, and despite my clear written instructions under an open-end consumer credit plan. This is securities fraud. 

I am profoundly disappointed by the lack of urgent action taken by these credit reporting agencies concerning these errors on my credit reports. I urgently request that Experian, XXXX, and XXXX XXXX prioritize this dispute, undertake a comprehensive investigation, and ensure validation and prompt correction of my credit reports. 

In conclusion, I am relying on your immediate and decisive action to resolve this matter. Such action is not only anticipated but greatly appreciated, given the gravity of these issues and their impact on my financial wellbeing.
Product: Checking or savings account

I am a 30 year customer with Bank of America with personal and business checking and savings accounts. In XX/XX/year>, I was instructed by BoA phone support that I needed to go to a branch to change my XXXX Bank Relationship which requires {$20000.00} combined balances to avoid $ XXXX/month fee as I had moved excess money out of the bank to take advantage of higher interest rate products elsewhere. 

I met with XXXX at XXXX XXXX XXXX XXXX in DC on XXXX XXXX or XXXX, explaining I wanted to reduce fees. He removed me from XXXX Banking, we discussed what is needed to keep fees low, and he spent some time on the phone with corporate to insure that all of my connected accounts would still apply for minimum balances. He was concerned that it wouldn't be and was told that they would. He did his due diligence and it appears someone at corporate gave him wrong information. 

I began getting charges on 2 savings accounts and a checking account -- -totalling $ XXXX/month -- -more than the {$25.00} I was previously incurring. I returned to the bank branch on XXXX XXXX and was transferred to XXXX XXXX, who tried to sell me on Merrill investment products and returning funds to the bank. He shared that these were the charges. I requested refunds of the account charges from XXXX forward as I had relied on what XXXX had represented to me and I closed the two savings accounts to boost the minimum balance in the checking accounts. XXXX XXXX told me he could not refund the account fees, but would have the bank manager call me who could address that. 

XXXX XXXX called and left me a voicemail that afternoon asking that I return her call at XXXX. I attempted to do so on a number of occasions and the number rings and rings before disconnecting. I also tried the branch number which went to an automated system and said that no one was available. 

Today, I spoke with " XXXX from Texas '' at BoA customer support. He was able to refund {$14.00} fee for XXXX and XXXX on the checking account, but could not refund XXXX. He also shared that he could not refund fees from the savings accounts since they were closed. 

I would like assistance in getting the additional fees that were charged following my appointments with XXXX to match the representations he and the bank made at that meeting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Mortgage with Wells Fargo Bank. I sold the house. the Mortgage was pay off on XX/XX/2023. Wells Fargo is reporting me late for the month of XXXX even though the mortgage was paid off. I spoke to Fells Fargo, initially the thirty day was removed. The late reappeared in the month of XXXX. I spoke with a Wells Fargo representative and the late was removed. My credit report is still stating Delinquency first reported XX/XX/2023, which is incorrect because the loan was paid off XX/XX/2023. This remark is preventing me from being approved for my new loan for my new loan for my new house.
Product: Mortgage

Our home mortgage is with Nationstar Mortgage, dba " Mr. Cooper '' ( " XXXX '' ). There is an extensive history of XXXX cheating its customers, including XXXX recently brought by CFPB that resulted in XXXX paying out $ XXXX in restitution ( Case Number XXXX ). Looks like they are at it again. Maybe CFPB is already aware of this scam. 

The brief History is that I recently Re-Fied, and my loan went thru a couple of sales, finally winding up with XXXX about a year and a half ago. Starting 6 months ago XXXX initiated a cyclical process of asserting that " their records showed '' my insurance to be lapsed of deficient. I would respond, submitting complete evidence of insurance, and after a bit of back and forth, I would receive a statement that the matter had been resolved and " no further action was needed at this time ''. After a couple of weeks, the cycle would repeat. This happened 3 times, and then XXXX 's suddenly purchased unnecessary insurance, and did this immediately after one of its " all is resolved '' letters. This resulted in a substantial increase in my principle, by the cost of the insurance, and the funding of a bogus escrow account. My monthly mortgage invoice has increased by a bit over {$100.00}. 

I submitted a very detailed and documented complaint. XXXX responded, and in my opinion just dug their hole deeper, doubling down on their fraudulent assertions and threats of extortion. I have answered that with an even more detailed response. 

I will do my best to submit all the relevant files as ZIPs, which should preserve folder structure. But given the 10MB size limit, it might be several zips. I hope I don't time out while I am putting all that together. OK ... 6 ZIP files ( of PDFs ) coming... 

FIRST COMPLAINT zip files : Demand Letter Exhibit ABCEF Exhibit D -- ( Insurance Purchase ) Part 1 Exhibit D -- Part 2 Exhibit D -- Part 3 SECOND COMPLAINT zip file : Second Complaint Thank you kindly for taking this matter on, and I eagerly look forward to your response.
Product: Credit reporting or other personal consumer reports

I made XXXX, XXXX, and Transunion aware of info that was not accurate being reported in my consumer report on XX/XX/2024. It has been over 30 days and I have been yet to be notified of investigation results. The inaccurate information has yet to get removed from my report. Below is the letter notifying them that they have not complied as well as the original letter sent on XX/XX/ 2024 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

MY CURRENT ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

INACCURATE ADDRESSES ARE BEING REPORTED TO MY XXXX CREDIT ACCOUNT SUCH AS XXXX XXXX XXXX XXXX XXXX XXXXXXXX and also XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I NO LONGER WORK AT THE JOBS XXXX AND XXXX XXXX IS BEING REPORTED TO MY XXXX ACCOUNT. 

ALSO ON MY EQUIFAX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX IS BEING REPORTED WHICH IS INACCURATE
Product: Consumer Loan

Chrysler Capital is reporting as a repossession/charge off on my credit report but it is not. It was redeemed some time ago and I need it to show accurately. They are in violation by reporting wrong. It needs to show Open, active.. Redeemed repossession.
Product: Credit reporting or other personal consumer reports

I provided the reasons for disputing the information. I have enclosed it again Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX ( XXXX  ) to seek their assistance in resolving this issue. the fraud accounts are showing and I sent you a police report
Product: Mortgage

LOAN # NATIONS STAR. XXXX My bank wo n't respond to a short sale that has been in the process for over three years. They ignore request from my laywer, realitor .and me for an up or down decesion. they reply it in underwritng for the past three years We have submitted hundreds of douuments.
Product: Credit reporting or other personal consumer reports

Looking at my credit report I saw late payments on an account that Ive always paid on time. Credit reports are the focal points in todays society and without it the world is doomed, this missed payment is not accurate and I kindly ask for you update this account and remove these late payments from my credit report on the account listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Please provide documentation proving that I was ever late paying on this account if you arent able to provide proof I ask and demand the accounts to be updated with true status of showing on time payments. Ive always paid my accounts on time without delay.
Product: Credit reporting

Initiated credit freezes at all XXXX credit bureaus in XXXX of 2015. 
Experian and XXXX now require a form letter with ID sent via mail to get a credit report. 
XXXX still provides their report online. 
Experian and XXXX are punitive against persons that initiate credit freezes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to violate federal law for years. Please find my correspondence in accordance with law attached to this federal complaint.
Product: Credit reporting or other personal consumer reports

To whom it may concern The options you guys had listed was different from my concern. However I got a solar loan for about XXXX XXXX back in XXXX there were a group of people passing around there were XXXX XXXXXXXX XXXX  who I guess Goodleaps is partner with however I have never got solar not once and goodleap is sending me build after bill to paid for something Im not getting through a solar company that is unlicensed for the state of XXXX I refuse to pay the bill because I dont see where this is my fault for a big company like good leap to sign contract with someone whos not state licensed Like Im the customer here how have been a victim of fraud here I dont see why I should pay for something Im not getting the solar panel is sitting on my roof and have to pay for that with no power when I sign the contract to pay for a working solar.. There send the bill to collection now its affecting my credit score so even if I never get solar I still have to pay for the solar along with my XXXX XXXXXXXX XXXX that Im still paying too
Product: Credit reporting or other personal consumer reports

HI MY NAME IS XXXX XXXX, I BECOME A VICTIM OF IDENTITY THEFT. I WAS CHECKING MY CREDIT REPORT AND I NOTICE FEW HARD INQUIRES THAT DOESNT XXXX TO ME. PLEASE HELP ME TO KEEP MY PERSONAL INFORMATION, AND PLEASE DELET HARD INQUIRES THAT I MENTION BELOW. 

XXXX XXXX XXXX XX/XX/XXXX SETTLEMENT ON. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Mortgage

XXXXXXXX AND XXXX XXXX XXXX XXXX XXXX. ON FORECLOSURE ISSUE., THE SALE DATE IS SCHEDULED FOR THE XXXX OF XX/XX/2023 XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Mr. Cooper Mortgage Service XXXX XXXX XXXX XXXX XXXX, Texas XXXX Loan # XXXX This is to give you an update on our situation with Mr Cooper. You have requested that we keep you informed. The judge ruled in our favor to do a short sale. We have more than two offers on contract to sell the house. Mr. Cooper is refusing the offers, saying that it will take too long to close. The court has a scheduled hearing for the XXXX of XX/XX/2023. The problem is that the title will pass hand on the XXXX of XX/XX/2023. We are writing to request your office to intervene. The sale date we need to be moved. Also, Mr. Cooper should allow the short sale to go thru the process. One of the offers the buyer was already preapproved, while the other offer was from an investor who wants to pay in cash. Please see attached sale agreement. Also, Mr. Cooper has given different information regarding the balance owed on the house. First Mr Cooper said that we owed over one Million balance on the mortgage. Then they said that the loan balance is XXXX Dollars. Again we did an appraisal on the house. Our appraisal came out to {$430000.00}. Mr. Cooper is saying that they did a drive-by appraisal. That the drive-by appraisal is {$330000.00}. Mr. Cooper has done everything to frustrate our effort to work out any resolution. The judge first recommended that Mr. Cooper do a modification. Mr. Cooper never came up with any modification. I know that the notice for you to intervene is short. Please we are applying that your office intervene in our situation. Thank you in anticipation. 
Our house address is XXXX XXXX XXXXXXXX XXXX XXXX Connecticut XXXX. 
Thanks, XXXX and XXXX XXXX
Product: Debt collection

My name is XXXX XXXX i have taken the steps to pay my collections and remove them I also pay my credit cards in full all 3 major companies are falsely claiming late payment and charge off not reflecting I paid in full XXXX  XXXX  on its sites indicate that if I pay my collection I get score increase by removing that debt I did that and no score was updated Ive email them proof ask them to update information and they have not done so XXXX car site promise it does not pulled hard inquiries o show proof they refuse to remove it please help me
Product: Debt collection

Account reported on XX/XX/2019 in the sum of XXXX XXXX I disputed it 3 or 4 times already and its still on my account.
Product: Credit reporting

I was in a XXXX a XXXX when this accured. This is over 7 years old. Please send me more info on this. My sister had all my credit cards when i was in the hospital at XXXXXXXX, XXXX am disputing it Because I dont know anything about it.
Product: Checking or savings account

I received a Loan from the SBA, prior to receiving that money, I called citibank to ask them if they were confortable with that money deposited in my citibank checking account and the Agent said YES. 
4 days later, citibank put my account on hold requesting additional information. 
I provided those information and they released my account. 
2 weeks later on Thursday XX/XX/XXXX they put my account on hold again asking me the exact same question. 
I provided all the documents on monday XX/XX/XXXX. 
Citibank told me they will be done reviewing my account on Friday. 
Today Friday XX/XX/XXXX, I called them and they say my account is still under review. 
Honestly i dont know why are they doing that. I filed a complaint at first and received a document from citibank saying the issue was resolved but i dont know why Im still not authorized to use my account
Product: Credit reporting, credit repair services, 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. Experian is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item 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 item and update them immediately in my report : XXXX XXXXXXXX Date XXXXXXXX  Balance : {$560000.00}