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

I have been disputing incorrect information on my credit reports since XX/XX/2019. A repossession remains on my report even though it has a balance of {$0.00}. I have disputed this account with the bureaus, and it still remains on my report. I would like for the account to be removed especially given the non-existent balance.
Product: Credit card or prepaid card

On XX/XX/XXXX of XXXX I purchased 2 tickets from XXXX XXXX in the amount of {$2500.00}. The flight was from XXXX to XXXX with a layover in XXXX. 
These were for a funeral. The layover was supposed to be a couple of hours but ended up being 24hrs long causing us to miss connecting flights, reservations, and ultimately the funeral. 
For about a month I went back and forth with Turkish airlines because they made additional charges to my account without my authorization ( same credit card ). 
I finally filed a dispute with my bank on XX/XX/XXXX of XXXX. Today on XX/XX/XXXX they reversed the {$2500.00} credit on my credit card without any explanation. There was no letter in the mail nor was there a message on the banking app. 

I use Bank of America. I called the bank and they told me there is nothing they can do to assist me. They allowed charges to be made on my account that I didnt authorize and they refuse to reverse charges for a services that wasn't properly delivered to me and caused me to lose a lot more money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a phone call to equifax about some unauthorized inquiries I dont recognize. The rep told me they didnt have to remove anything off of my report because they dont follow the FCRA.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  require the XXXX credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. 


XXXX XXXX XXXX XXXX : {$11000.00}
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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/accounts/information below XXXX  XXXX XXXX Balance Owed : {$270.00} ; XXXX XXXX XXXX XXXX Balance Owed : XXXX.
Product: Checking or savings account

I am writing this to say that I should be able to link my bank account to XXXX. XXXX bas been helping me out for the last three years, now you guys are blocking me from being able to link my account to their website. This is absurd, they took my money and now I cant get it back because you guys arent allowing me to link my bank account to their website.
Product: Mortgage

Please see all attached documents and contact me directly for more details. Additionally, you can refer to all previous unsolved complaints submitted.
Product: Credit reporting or other personal consumer reports

I've been on hold w Experian for 2 hours straight, finally got Superviser name XXXX on phone after co-workers don't understand their job nor know anything about credit, how it works! They admit that my documents are received, scanned into their computer plus acknowledge ID and social security card attachments, they refuse to remove all my errors and super refuse my 1099-C from XXXX XXXXXXXX XXXX, who is no longer fighting me on it! I submitted over 34 pages of evidence! Disputed over phone and online! 

XXXX removed everything and XXXX everything but one that's pending on XXXX. Car sold to 2nd owner on XX/XX/year> in the amount of {$18000.00}, I have documents from XXXX on XXXX XXXX that all credits go back to my account # XXXX ... Experian is making all the others Bureau look bad, because they are responsible for reporting everything including XXXX XXXXXXXX and XXXX they are too Powerful! Holding up my life, credits is imperative to me! XXXX, are they allowed to Behave tis way!
Product: Payday loan, title loan, personal loan, or advance loan

When the loan repayment started it wasn't a way to pay for the loan due to you having to have a account number and I wasn't sent that information. So finally after 2 months the system change supposedly where you did not need an account number and a text was sent to provide a payment link by then according to their system I had already owned in which you was not a way to make the payment therefore the late payment should not be shown and I asked them to remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX / XXXX I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX / XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 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 or other personal consumer reports

After speaking with XXXX XXXX customer service they were not helpful and didn't listen to me as a long-time customer. They advised there was nothing they could do, although they were aware my consumer rights had been violated. I can not believe a company of this magnitude doesn't care about their customer 's consumer rights.
Product: Debt collection

This is the third time I have complained about this exact same issue. The first time the collection agency said " oh he owes it '' and that satisfied CFPB. Last time I said that it's not my insurance and the collection agency admitted that they had nothing signed by me and that satisfied CFPB. My wife attempted contact with the hospital and they refused to speak to her " because she's not the responsible party ''. 
Please. 
Respect yourself enough to do your job. 
The collection agency has nothing signed by me agreeing to a debt. I was not there. My insurance was not used. It's not my debt. I'm not the responsible party. There is absolutely no proof that this is my debt, because it's not. I was on shift that day, all day. 
Please investigate it. I can't afford a lawyer, and if CFPB did their job i wouldn't need one.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

US DEPT ED XXXX Balance : {$3800.00} US DEPT ED XXXX Balance : {$2200.00} US DEPT ED XXXX Balance : {$3400.00} US DEPT ED XXXX Balance : {$2400.00} XXXX XXXX Balance : {$9100.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Has violated my rights I looked at my Equifax report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. 

( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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: Checking or savings account

I am XXXX and I am not able to leave the house as often as I would like. I have been with U.S. Bank since 2007. On or about XX/XX/XXXX I made a mobile deposit on behalf of my minor son. I initiated the deposit via phone app from his account access screen and some how the deposit ended up in my checking account. The first {$200.00} was made immediately. The next day I received notice saying there will be a 7 business day hold. I eventually ended up with a notice saying Im blocked from online banking. I called and the fraud department told me the Branch Mgr placed the hold and the block on my account. I called the Branch Mgr after the 8th business day and she told me Im permanently blocked and could not explain why. 

I have not did any fraudulent activity with my account. My son has made several in person deposits into his savings with the same type of paycheck. 

I was accessed overdraft fees and being blocked from online banking and mobile deposits is a total inconvenience
Product: Credit reporting or other personal consumer reports

This is the law : The following information in this report does not belong to me. My information has been compromised or, I am a victim of identity theft. Please delete the following information according to FCRA 605B 15 USC 1681. You are required to delete all information in four days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) section ( 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from consumer credit report clearly states : ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term consumer report does not include - ( a ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the CONSUMER and the PERSON making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

15 U.S.C. 1666 ( b ) a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXXXXXX XXXX XXXX, I filed a dispute with Transunion asking for an investigation for an unverified account of Bankruptcy of XXXX XXXX reference number XXXX. I received a letter from them saying that they would not investigate. I know this goes against the FCRA. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Product: Credit reporting or other personal consumer reports

My student loans have been fully paid amd forgiven and yet XXXX, XXXX, and TransUnion still show balances of over {$130000.00}. I have disputed this with them multiple times. I have also called the loan servicer XXXX multiple times. None of the entities will do anything to help me.
Product: Credit card or prepaid card

There were two unauthorized transaction at two different XXXX that I did not make or authorize in the amount of XXXX total transaction my tax return money was direct deposit onto NetSpend XXXX XXXX prepaid debit card. And the money was withdrawn off the card. I filed a dispute on XXXX XXXX, 2017 with NetSpend to credit me my money back to my account.They have yet to honor my dispute. The reason being 60 days late reporting the unauthorize transaction.
Product: Mortgage

I was paying my mortgage automatically through my bank. 
I pay {$500.00} extra per month and I pay twice a month to reduce the pay-off period for my loan. 

I was with XXXX and there was never a problem. They transferred my mortgage to NewRez a year ago. About every quarter, for the last year, I've received notification from NewRez that I had failed to make my payment, I was assessed a late fee every time, plus I spent hours on the phone trying to fix the issue. 

Finally, in XXXX, it was suggested, by a New Rez customer service agent, that I fill out a form to and have payments automatically done through NewRez instead of my paying automatically through my bank. 

The bank request form, from XX/XX/XXXX, never got processed. After spending hours of agonizing time on the phone with customer service representatives, the problem was NOT solved and I resent the automatic payment forms on XX/XX/XXXX. 

The issue was still not resolved and I still received letters in the mail telling me that I was delinquent BUT I was never notified that the form I had previously sent, twice, wasn't processed I had to spend another hour on the phone today with a very nice customer rep who couldn't help me get the late fees rescinded, couldn't connect me to a supervisor, and wouldn't help me ( against company policy ) connect to a loan servicing agent since the CUSTOMER SERVICE REPRESENTATIVES CAN NOT DO ANYTHING TO HELP A CLIENT WITH LOAN SERVICING. I also paid the entire late amount ( it was late because THEY were screwing up ). I have no idea about the extra {$500.00} that I generally pay each month. 

I had to resend the automatic payment bank form, this time by regular mail. I am so fed up that I've been dealing with these issues for the entire year that I have been a customer of NewRez. ( By the way, they are under the same company as XXXX. The parent company is called Shell Point Mortgage ). 

I have spent countless hours on the phone with the company. I can't trust that they are going to reverse the late fees. And what about my credit score? I'm sure it has been damaged in the process. Also, what about the extra {$500.00} that I generally pay? I am so upset with this company. 

Thank you.
Product: Credit card

I think the account might not be valid. Westlake Portfolio Management. must confirm in a legally binding statement that this claim is legitimate and doesn't have any issues like breaches of agreement, lack of consideration, or significant changes, and that the original lender received proper value. Also, they must assure that the transfer of the alleged account was done in good faith with everyone 's agreement. If they can't provide this sworn statement, I demand the removal of the account from my credit record and their records. WESTLAKE PM XXXX
Product: Checking or savings account

Company allowed the fraudulent bitcoin company to take over {$1700.00} from my account
Product: Credit reporting or other personal consumer reports

I have XXXX to remove fraudulent and inaccurate from account multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am writing to dispute the following information in my file. The item in dispute also are highlighted on the attached copy of the report I received. 
XXXX XXXX # XXXX is inaccurate because 3 bureaus are reporting 3 different high balances and also on the date of my last activity 3 bureaus are reporting 3 different dates as well ..... I am requesting that the item be deleted off my credit report due to Inaccurate reporting .... 
Enclosed are copies of my credit report supporting my position. Please reinvestigate this matter and delete the disputed item as soon as possible.
Product: Credit reporting or other personal consumer reports

I disagree with the accounts listed below which still appear on my credit report, even after your investigation in 2022. I would like the below items reinvestigated and removed for inaccuracies. The accounts are severely affecting my credit rating ( XXXX XXXX XXXX, XXXX ). Please provide the names and business addresses of each company with whom you verified information so I may follow up. Please send me an updated copy of my credit report after your reinvestigation. 
Please see referenced accounts below : XXXX XXXX XXXX XXXX Account XXXX inaccurately Sued by the CFPB for predatory lending Please verify account belongs to me Payment history inaccurate Requesting this account be removed from credit report XXXX. XXXX Account reporting inaccurate information Please verify account belongs to me Requesting this account be removed from credit report XXXX. XXXX XXXX Account reporting inaccurately Please verify account belongs to me Account a result of identity theft Requesting this account be removed from credit report XXXX. XXXX XXXX XXXXXXXX Account reporting inaccurately Please verify account belongs to me Requesting this account be removed from credit report XXXX XXXX XXXX XXXX This account does not belong to me, possible identity theft Please remove this account
Product: Credit reporting or other personal consumer reports

My student loan, continues to show late payments on my credit report, with Department of Education and they confirmed that it was never a gap, but they remain a part of the credit report.
Product: Mortgage

According to the closing documents, the PMI payment was not included in the escrow account, and was to be paid out of the regular monthly payment. After the mortgage was sold to another servicer, the new servicer started paying the PMI out of escrow, great reaching the amount in escrow, which is to pay for property taxes and home owners insurance. I have made all my payments on time until the change is the escrow account, and I have talked with the loan servicing company, and the representative I talked ( XXXX at LoanCare ) to agreed that the problem was on their side, and that an escrow analyst would call me back. That was 10 days ago, and since then, I have been repeatedly be getting automated calls to call LoanCare. They have not resolved the problem, and it is very difficult to talk to anyone who can actually resolve the issue. Because of the issue, LoanCare has been reporting to credit agencies that I am 30, 60 or 90 days behind on the loan, which a significantly downgraded my credit ratings.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Experian is failing to report 4 separate credit card accounts on my report. I have contacted them multiple times to update this information and I have received no response. 

According to the FCRA, the bureaus must report with 100 % accuracy and Experian is failing to do so. I have attached 4 screenshots of the accounts in question, and that both XXXX and XXXX are reporting accurately.
Product: Consumer Loan

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied. I do ask in light of the good standing relationship we have that you remove these lates from my credit report. I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation.