23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I opened a credit card with Care Credit and have been having issues since I opened this acct. My payments are supposed to be fixed of {$160.00} a month and every since opening this open they have increased my payments. The doctor office has notified the companycompany about the fixed payments with them having issues also. They have horriblecustomer service and is Extremely Rude. They increased my payments withouteven contacting me and refuse to explain about the increase. Every time I callI get told different stories or hungup on. They refuse to give corp office number oror contact information. This company needs to be closed down.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my last resort, I have been going back and forth with creditors and bureaus. Still the same results, I have send in updated police reports and FTC report, with all my updated IDs still same results verify please help they are stopping me from living my life with my XXXX kids and husband. Not able to purchase first home because they are giving me so many problems. Negative accounts are only on XXXX and Equifax they were all deleted from XXXX in 2016 when my identity was stolen. Creditors has received reports and all I dont know what yo do at this point.
Product: Debt collection

Capital one XX/XX/2021 XXXX I disputed this matter with the agencies and told them that this was infact a fraud matter and i would need this account deleted .i also challenged the incorrect information account ending in XXXX where they cleary violated the law 604 15Us code 1681B 605 A 15Us code 1681 C1 605 B 15 Us code 1681 C2
Product: Credit reporting or other personal consumer reports

This is a LAWFUL CLAIM from I, the aggrieved man, to both EXPERIAN AND XXXX on reporting of information that to this day after multiple years of reporting and damaging to reputation the furnishing of information that remains unlawful, uncertified, non-order from a legal entity such as a court of law, the furnishing of " child support '' as an obligation being supplied, furnished to persons that request consumer reports of XXXX XXXX XXXX. A name that is copyrighted and trademarked. 
Attached is evidence directed from a court of law to XXXX and to be applied to ALL CONSUMER REPORTING COMPANIES including XXXX, EXPERIAN that the reporting of such information is and has been found to be " Unlawfull ''. The supplemental information describes in detail the lawful and unlawful reasons that such information shall not be furnished on a persons consumer report and to be removed immediately as it violates numerous laws and violates constitutional rights.
Product: Debt collection

This company Ad Astra Recovery Services Inc is reporting a debt on my credit report that is not mine. On my credit report ( s ) this collection says it was opened XX/XX/2018 and th3e amount is {$1100.00}. I have contacted the company and disputed the reporting with the bureaus. The collection is on my credit report and I have not received an answer from Ad Astra Recovery Services. They are trying to collect money from what I assume is a loan. I have never taken out any payday type loans or fast cash loans. The name of the original company is SPEEDYCASH COM XXXX VA. I do not know if the company perhaps made a mistake and reported my name by accident instead of someone else or if this collection is a result of identity theft. I have tried to resolve this and haven't received any response from Ad Astra or SPEEDYCASH COM XXXX VA in regard to deleting this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX I received a call from XXXX wanting to verify that I applied for their credit card to which I stated I did NOT. When I checked my online reports, I noticed that someone tried to take out credit cards using my info with both XXXX and XXXX XXXX XXXX. I do n't know the date for XXXX but XXXX was XX/XX/XXXX. I called XXXX XXXX XXXX and told them I did NOT apply for credit ( they denied a credit card to the person who fraudulently requested it using my info ). I also called the XXXX reporting agencies and explained everything to them and told them to please remove these inquiries from my files as I did NOT request credit from any place. They said they would take care of it but it is still listed. A hard inquiry is taking my credit score down a few points. I also told the agencies that I will not be getting any new credit cards and to put a freeze on my accounts so that no one else can request credit. Please help in removing the hard inquiries off my file ; thx.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX : {$4200.00} Account Number : XXXX Date Opened : XX/XX/year>XXXX XXXX
Product: Mortgage

I want a new mortgage servicer. Fifth Third is presently my servicer. They have been the mortgage servicer on my house at XXXX XXXX XXXX MI XXXX for almost 30 years. They are constantly harassing me about my insurance.I spoke with them on or about XX/XX/XXXX about my coverage. I had changed insurance companies. I gave the woman at Fifth Third all the information. I made it clear it was set to auto pay and would not renew until the day before the due date of XX/XX/XXXX. Why should I pay sooner? Under federal law, the servicer must reasonably believe that the borrower has failed to maintain insurance coverage on the home before purchasing a force-placed insurance policy. I have never missed either a mortgage or insurance payment.I called these people and gave them all the info and they still send me threatening letters. This Isn't the first time. Fifth Third is a horrible company and I want a new one. XXXX XXXX holds my loan and they must have dozens and dozens of servicers. Is there any way I could choose a different one? If not how do I file a complaint against my service provider?
Product: Checking or savings account

My name is XXXX XXXX XXXX. I opened a Bank of America Business Advantage Relationship checking ( checking account # XXXX ) on XX/XX/XXXX. I have deposited {$30000.00} on XX/XX/XXXX and maintain the average balance of {$30000.00} in the account for XXXX  days after account opening as per the XXXX XXXX  XXXX for the {$1000.00} bonus. 
I have verified the offer code XXXX  and was confirmed by BofA representative ( XXXX XXXX XXXX, Delaware ) that I will receive the $ XXXX bonus once all the requirements are met. He also created the case # XXXX to ensure that I will receive the bonus. 
However, as of today XX/XX/XXXX, there is still no bonus. I do not intend to give Bank of America an interest free loan. I opened the account for the purpose of getting the bonus and I did verify with the bank agent to confirm my bonus. 
Please help me to resolve this issue and getting the bonus I deserved. 
Thank you for your time XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/2024, I applied for and was approved for an extension of credit to finance a vehicle at the Drive Time dealership in XXXX XXXX, Delaware. They informed me that they would extend the credit for a vehicle if I put a cash down payment. I informed the dealership and their customer relations department that it is unlawful to advertise a down payment pursuant to 15 USC 1662. They insisted that I still had to put cash down to secure my financing and took no accountability for violating my rights as a Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 RE : Method of Verification To whom it may Concern : I am requesting the Method of Verification for the following disputed account ( s ) : XXXX XXXX XXXX + Account Number : XXXXXXXX XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX + Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  + Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  + Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX  + Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  + Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  + Account Number : XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX + Account Number : XXXX This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ).

Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc. 
1. The name of the original creditor and full account number ( s ).

2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute I am certain that the item I disputed is incorrect and should be removed, so l am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. I am very interested to learn how your investigators arrived at this erroneous conclusion.

I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request.

I am in the process of planning a legal case, so l demand specific answers to the specific questions asked of you in this letter. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record.

If you are unable to respond in a timely manner and provide the above items, please delete the account ( s ) from my credit report to prevent further damage. 

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

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I was in forbearance status with XXXX and it has been reported that I had late payments on these dates. This info is incorrect as I have contacted XXXX  directly and was told that this info wouldn't be reported as late payments initially. Once I saw that this was reported despite the conversations that had been held I began to reach out to them direct with no changes to my report. I have since cut ties with XXXX due to this issue and consolidated my loans w/ another Student Loan company. My XXXX balance has been paid but the late reporting is still showing on all my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The XXXXhree credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the account was opened on XX/XX/XXXX. the acciunt was closed out XX/XX/XXXX. this account had been reported 4 seperate times on my credit report which is affecting my debt to uncome ratio. this negative information is also affecting me from obraing any new credit. the amounts are showing differently on all three reports. thr company sent me a letter showing paid. at the oint i just want the 4 inaccurate accounts removed since they are paid in full. ivr asked the company to fix this issue but they advised me to dispute with thr bureaus. please help me. i dont think that they can legally keep falsely reporting inaccurate info.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Request to Block and Delete Accounts Due to Identity Theft ( 15 USC 1681c-2 ( a ) ) Dear XXXX Team , I am writing to formally demand for the immediate blocking and deletion of fraudulent and inaccurate accounts associated with my credit report, pursuant to 15 USC 1681c-2 ( a ), the Fair Credit Reporting Act ( FCRA ). I have been a victim of the XXXX data breach, and as a result, my personal information has been compromised and used fraudulently. 
The following accounts are not mine and were fraudulently opened : 1. XXXX XXXX - XXXX 2. XXXX XXXX XXXX - XXXX 3. XXXX XXXX- XXXX 4. XXXX XXXX - XXXX 5. XXXX XXXX XXXX XXXX - XXXX The following inquiries were not authorized by me : 1. XXXX XXXX XXXX - XX/XX/XXXX 2. XXXX XXXX - XX/XX/XXXX 3. XXXX XXXX XXXX - XX/XX/XXXX Under the FCRA, I have the right to request that these accounts be blocked and removed from my credit file to prevent further harm and to ensure the accuracy of my credit report. I have enclosed the following documents to support my request : A copy of my government-issued photo ID ( e.g., drivers license or passport ). 
A copy of a utility bill or another document verifying my current address. 
A copy of the FTC Identity Theft Report documenting the fraudulent activity. 
Please process this request promptly, as mandated by federal law. I would appreciate written confirmation once the accounts have been blocked and deleted from my credit file. If you require any further information or documentation to complete this process, please do not hesitate to contact me at the phone number or email address listed above. 
Failure to comply with FCRA Section 605B is not only a violation of my rights under federal law but also exposes your agency to potential civil liability. As stipulated under FCRA 605B : 1. The fraudulent accounts must be removed from my credit file and no longer appear in any future credit reports issued by your agency.

2. You are prohibited from re-inserting these fraudulent items unless you have a good-faith basis to believe that the information is accurate. If such action is taken, you are further required to provide me with written notice of this reinsertion within five ( 5 ) business days, detailing the basis for your decision. 
Please understand that this is not a request but a formal demand for compliance with federal law. Your failure to respond and take appropriate action will be met with the immediate pursuit of all available legal remedies, including but not limited to complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and civil litigation under the FCRA. 
This matter requires your immediate attention, and I thank you in advance for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures : FTC Social Security Card Utility Bill
Product: Credit reporting or other personal consumer reports

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

ccount XXXX XXXX XXXX  Account number XXXX I DONT HAVE AN ACCOUNT OR CARD THIS IS NOT MINE IVE DISPUTED AND NO RESOLVE
Product: Credit reporting or other personal consumer reports

This letter serves as a formal dispute regarding multiple inaccuracies on my credit report. Despite my previous disputes, these errors remain unresolved, which is not only unacceptable but also a clear violation of the Fair Credit Reporting Act ( FCRA ). I expect full compliance with federal regulations in handling my dispute. Below are the accounts in question : XXXX XXXX XXXX  : Account No : XXXX A charge-off account with an active balance? This is a blatant reporting error. It is concerning that TransUnion continues to report inaccurate information on my credit file. I demand the immediate deletion of this account due to its inaccuracy. XXXX XXXX XXXX XXXX : Account No : XXXX This account is reported as a charge-off, yet a balance remains. This contradicts standard reporting guidelines and is a clear violation of the FCRA. Additionally, there is a past due balance reported on an already charged-off account, which is another reporting violation. I demand a full reinvestigation and the immediate removal of this inaccurate account from my credit report. Please be advised that I am keeping detailed records of all correspondence and actions taken regarding this matter. Should TransUnion fail to comply with its legal obligations under the FCRA and fail to correct these inaccuracies within the legally required timeframe, I will have no choice but to escalate this matter, including but not limited to filing a formal complaint with the CFPB and pursuing legal action. I trust that TransUnion will take this matter seriously and conduct a thorough and lawful reinvestigation of these disputes. I expect a prompt and satisfactory resolution.
Product: Debt collection

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts and inquiries listed below IMMEDIATELY. 

Fraudulent/Negative Accounts : XXXX Account Number : XXXX Account Opened : XX/XX/2021 Balance : {$180.00} Inquiry Name : XXXX XXXX Date : XX/XX/2021 2021
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit : XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Checking or savings account

I opened a savings account with Laurel Road approximately XXXX weeks ago and funded my account. Without any explanation Laurel Road restricted me from any access to my account and also restricted my XXXX Bank account who is a subsidiary of XXXX XXXX. I have now been locked out of my accounts for a week and can not make any transactions. I have called numerous times, and emailed 3 times and have been told that I will not be told why my account is restricted or when resolution will occur. This has caused significant hardship for me not being able to access any of my funds. There have been numerous other complaints from others for this exact practice from this institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries that I did not apply for nor benefit from and would like them taken off my credit report immediately. My identity was stole recently and I filed a FTC report as well to go along with my claim. Please remove the inquiries from my XXXX  and Equifax credit reports. My Information was stolen and used to apply for credit. According to 15 U.S.C 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer.
Product: Checking or savings account

I got my tax check deposit into my Venmo account I tried to withdraw some of my money it wouldnt let me I submitted all docs
Product: Debt collection

I am being denied the right to rent an apartment due to a unverified debt from an apartment complex I lived in by the name of XXXX  XXXX almost 6 years ago. When I moved out at the time there was no apparent debt, then when I tried to move I was denied because they are on my credit report. I tried to call XXXX XXXXXXXX to find out what I actually owed the money for, and was told that the property was sold to another owner, and they had no record of the debt. I called National Credit who now owns the debt and they couldn't verify why I owed them {$430.00}. I have not agreed to this debt as of yet because no one knows why I owe this money. I never received any letter from the apartment stating I owed them prior to them selling it.
Product: Credit card or prepaid card

I was in the hospital, my card was on auto pay, but due to me not be able to confirm the payment with the creditor due to me being in the XXXX " not sure way never needed to before '' i was given a 30 day late, when I called and asked for a good will adjustment because of my episode, but once i told the creditor I was ill, the creditor closed my account, even being I had never missed a payment in over 3 years.