23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have a {$140.00} unpaid charge for a gym membership I paid for. I never missed a payment. I want continuously charged after I gave written notice of quiting the gym. I successfull had to dispute the charges though by bank XXXX, but a single charge remains for the month of either XX/XX/XXXX or XX/XX/XXXX that has been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was put on notice and provided an Affidavit of Truth, Identity Theft Affidavit, Loan Discharge : Forgery Application, and a police report regarding the alleged debt of XXXX XXXX XXXX as of XX/XX/2023. I have given XXXX with 5 days to delete this fraudulent loan from my consumer report and they have yet to follow up nor did they remove the fraudulent. Now ( XXXX ) has informed me that it will take XXXX weeks to remove an account that is not mine and has hindered my consumer file for years and I am not waiting XXXX weeks for a removal when this has gone on for YEARS! UNACCEPTABLE! 

I have provided XXXX with enough time to gather evident or any other documents necessary prior, this has caused defamation to my character and my consumer file. XXXX XXXX  will provide proof of received document via XXXX. As well as XXXX XXXX XXXX XXXXXXXX with XXXX confirmed on XX/XX/2023 at that they have received the documents uploaded into their system.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate items from my credit report. This is my attempt to rectify this issue, and I am becoming increasingly frustrated by the lack of response and action on your part. It is crucial that these items be removed immediately to reflect my true credit standing. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate or outdated information on my credit report. These accounts are either beyond the statute of limitations or contain erroneous information. Despite my previous attempts, these items remain uncorrected. I have included copies of my previous correspondence as well as supporting documentation to expedite the review process. Please help me conduct a thorough investigation of these items and provide me with written confirmation of their removal within 30 days. The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$5500.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XX/XX/year> ; XXXX XXXX XX/XX/year> ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/year> ; XXXX XX/XX/year>.
Product: Consumer Loan

I had a personal business matter with US Bank exposed to XXXX of my co-workers and possibly several others. Where I work we are very busy company with hundreds of employees and millions of customers. I was assisting a customer, when another co-worker came to me to ask me if I drove a XXXX and descried my vehicle to the XXXX At which time I stated yes, thinking someone had hit my vehicle once again in the parking lot. She then proceeds to inform me that my vehicle was being towed. I was in a state of confusion because I did n't understand why my vehicle was being towed and had no way to disconnect with my customer that I was assisting. Another co-worker happened to be going on a break and went outside at the same time my vehicle was being towed. She asked the tow truck driver if it was okay for me to retrieve some of my personal belongings because I was with a customer and had no clue as to why my vehicle was being towed. The driver informed her that he had no problem allowing me to retrieve my belongings. This is where the conversation should have ended. However, he then took it upon himself to disclose the fact that the reason why my vehicle was being towed was because I was behind XXXX months on my note per US Bank and at their request. This information should have NEVER been disclosed. My co-worker never asked why it was being towed. She only stated that she knew who the vehicle belonged to and if it would be okay for her to come get me so that I could retrieve some of my personal belongings in the vehicle. I am a student and go to school at night. Therefore, I needed to get my school bag and scrubs out of my vehicle. I work a full time job from XXXX and attend XXXX from XXXX too. I have been COMPLETELY EMBARASSED in front of my entire facility and the people I work with. This situation should have never happened in the first place. I was in contact with the lender, whos agent supposedly duly notated my account, due to my personal bank account being stolen and another private matter, I made arrangements to rectify this situation as soon as financially possible ( because I get paid at the end of the month ) and was informed that my vehicle would not be in danger of being repossessed. This was clearly all XXXX big lie. On top of all of that, in good faith, I made a payment XXXX days after speaking with this agent even though the agreement was for the end of the month. Lesson learned her is always make sure what is communicated between an agent and consumer is actually properly notated on your accounts and never put faith or trust behind a persons words because that is all they are, just words.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX Balance : {$580.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Payday loan, title loan, personal loan, or advance loan

I borrowed a loan for the total amount of {$16000.00} and opted in to pay an origination fee of {$640.00} for a lower payment amount. I was then charged a capitalization interest fee the same day for the same amount of {$640.00} dollars. I read the documents stating capitalization is only charged after periods of forbearance have ended. However, I never requested forbearance, in fact, I could not have because it was charged at the same time the loan was requested. I contacted the bank ( SoFi ) to have the charge explained ( which they could not ) and have it removed ( which they claimed could not ).
Product: Credit reporting

there are several acoounts to whichi have no ideazn of the balance or company name
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX  XXXX XXXX XXXX has violated my rights. 

Regarding alleged account # XXXX, 15 U.S.C. , 1681 section 602 A States that I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information.

15 U.S.C. 1681c2 : A states that all items identified by the consumer should be blocked and removed within 4 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and been a victim of identity theft for over 11 years. I filed a police report with the XXXX County Sheriffs Office in regards to the following fraudulent and unauthorized accounts, and credit inquiries listed on my Equifax, XXXX and XXXX XXXX credit report : XXXX XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX   unsecured personal loan, XXXX XXXX XXXX XXXX credit card, collection account : XXXX XXXX XXXX, and XXXX XXXX XXXX  unsecured personal loan account # : XXXX for {$7500.00}, credit inquiries : XXXX XXXX and XXXX XXXX. The accounts are all fraudulent, arent mine, and dont belong to me. The police report case number is # : XXXX.
Product: Debt collection

I have sent letters to this company seeking that they validate the debt. They have failed to do so. This company continues to send 1 statement which does not align with the amount of debt they say I owe them. I have never heard of this company, nor have I ever did any business with them. I have requested copies of any and all letters sent to me on behalf of this company. I have not so much as received a copy of the dunning letter that they should have sent me when they began attempting to collect on the debt. I have not received copies of all statements, invoices, receipts, summaries of account nor any document that bears my original signature. How then can this company say I owe them but yet they have nothing to substantiate their allegation. How is this company reporting as data factoring when they were not in ownership of this account prior to the charge-off, since they are a 3rd party collection agency? My consumer rights are being violated by these entries as well as they are violating the Fair Debt Collections Practice Act. This erroneous, inaccurate item should not be reflected on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is still inaccurate data reporting on this account although I have disputed it before. I know for a fact that you guys didn't do an investigation because the inaccuracies are exactly the same as they have always been. Why are you refusing to investigate this account that is reporting inaccurately and keeping me from obtaining a mortgage? 

? = XXXX XXXX is QUESTIONABLE in its reporting I = XXXX XXXX is INCONSISTENTLY reported across displayed bureaus, an infraction of the 5th point of XXXX XXXX Five points of compliance! 
M = XXXX XXXX is MISSING and or is DEFICIENTLY reported as compared to what is most likely information that SHOULD OF BEEN adequately reported! 
U = XXXX XXXX is else wise UNPROVEN, as reported! Undocumented claims can NOT be assumed valid nor compliantly reported!

VANCE & HUFFMAN LLC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Account # : XXXX I XXXX XXXX? 
Account Type : I U? 
Account Type - Detail : I U?

Bureau Code : I U?

Account Status : I U?

Monthly Payment : - M I U?

Date Opened : I U?

Balance : I U?

No. of Months ( terms ) : - M I U?

High Credit : I U?

Credit Limit : - M I U?

Past Due : - M I U?

Payment Status : I U?

Last Reported : I U?

Comments : disputed I U?

account - reported by subscriber.

Date Last Active : I U?

Date of Last Payment : M I U? 
Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX 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

I have contacted the bureaus ' one by one without avail. I have called, asserted, and expressed my displeasure to the companies at large, on X/XX/2013. I was requested to send in a XXXX of my photo identifying me along with a recent bill in the name and social security number. I completely satisfied their demands. Only to wait thirty days to receive a reply from XXXX stating that they needed more Intel to complete and/or look into my request. 

What the heck! 
I felt XXXX, discouraged, and disparaged at the least. 
All the credit bureaus ' have illegally hoarded my personal information unwittingly to my knowledge and without my consent in any form especially in written form as required. In pursuance to the XXXX privacy act all of the credit bureaus ' i have listed not limited to FICO, XXXX XXXX, TRANSUNION, XXXX, & XXXX have blatantly and intentionally violated all privacy rights and allowed my personal information to be leaked and disseminated due to their false and misleading ways. 

Relative to the Fair Debt Collection practices act all of the credit bureaus ' aforementioned in this complaint have maliciously and collectively worked in concert by unlawfully distributing consumer personal data for profitable gain at the expenses of pain and suffering of those so inflicted by the course of their willing and intentional violation. It is my request to have the CFPB to advocate on my behalf, to have all of my personal and sensitive data completely removed from every database my information is held by the aforementioned above. It is a great disgrace, that the aforementioned and above-mentioned engaged in pursuance of filthy lucre at the expenses of many consumers by such fraudulent means. 

I have suffered humiliation, XXXX XXXX and credit disaster because of it. It has greatly decreased my capacity to attain credit for housing, transportation, and it has incapacitated me from career opportunities. i have been XXXX and hospitalized because of it in the past. I request punitive damages for my XXXX, financial pain, and suffering -- also for the prevention of the huge number of failed opportunities these criminal violator 's have caused me. I do not consent to a class action suit. This is personal for me and I 'd like it to be addressed as such. I also would like to express my eternal gratitude for the CFPB protection of my family and household.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXXXXXX XXXX XXXX XXXX
Product: Mortgage

After struggling for a long time to make my increased mortgage payment, I stopped making it, and during this time tried and tried to get a loan modification. Finally, after filing complaints and my sale coming up, I got a TPP. I made the payments and got the final docs signed and now I get my first billing statement and my payment increased {$200.00}. It does n't say why, but I am guessing it is escrow. I am guessing that now that my account status is back to current and out of foreclosure, an analysis was completed and my escrow is short. Then there is another " past due '' amount of {$100.00}. There should be no past due amount when my account was just brought current with a loan mod. I obviously can not afford these extra charges/amounts, if I could I would not have been in foreclosure in the first place.
Product: Mortgage

I XXXX XXXX am Plaintiff in the above-entitle complaint, I am respectfully requesting your Agency to issue an order to CURE to XXXX XXXX XXXX on my behalf under section 1322 ( c ) ( 1 ) of the Federal Rules of Civil Procedure granting Plaintiff the right to cure the default mortgage ( ARREARS ). I made several request XXXX XXXX XXXX, XXXX. Attorney for Defendant, XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX with no avail. The Bank improperly applied or credit my payments. 
Pursuant to Federal legal or equitable right to cure under section 1322 ( c ) ( 1 ) of the Federal Rules of Civil Procedure granting Plaintiff the right to cure the default mortgage ( ARREARS ). Provides in part : Notwithstanding subsection ( b ) ( 2 ) a defaultmay be cureduntil such residence is sold at foreclosure sale that is conducted in accordance with applicable non bankruptcy law. Section 1322 ( c ) ( 1 ) was enacted in response to previous confusion as to when a debtors right to cure a default ended. Based on the statutory text and legislative history, courts have found that Congress clearly intended that section 1322 ( c ) would preempt state law and create a federal right to cure that only terminates upon a foreclosure sale. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

The Three Credit Bureaus are reporting inaccurate information on AMERICAN FIRST FINANCE I. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting

reported to all XXXX bearu on iteams that are not mines XXXX out of XXXX bearus removed items Equfix has not updated any iformation 3 months no reply or updateds I 'm tryong to buy a home and the iteams that are not mines is still showing on my account lowering my credit score in i need help!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of material misrepresentation of fact being relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer. ( XXXX XXXXXXXX XXXX  ) You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from date of the receipt of this notice
Product: Credit card

I am writing to dispute my Costco/retail services Capital One credit card. I found out my credit score took a significant hit from XXXX to XXXX since XXXX XXXX. This was alarming due to my score having been XXXX or greater for the last 10 years. My Credit Lender pointed out that it was due to a Costco account that has been delinquent since XXXX XXXX in the amount of {$150.00}. This amount reflects late fees on a yearly Costco membership that I was never notified of. My lender stated that he has seen this situation with other clients from time to time. 
Our situation is that we moved from XXXX, XXXX in XXXX XXXX. We have not used our Costco card since XXXX XXXX. Since our move, I personally had all mail forwarded to our new address in XXXX, XXXX. We have been receiving our normal bills with the yellow change of address labels affixed. Mysteriously we never received any notifications or bills from Costco/Capitol One. This was never a thought due to the card not being used in over a year. 
I immediately contacted Capitol One and spoke with a supervisor. I presented my case to her. After some review, she found that our mail was returned to sender ( Capitol One ). Not only was my mail returned, my account had been closed. I wrote a letter to Capital One credit department on XXXX/XXXX/XXXX without any resolution of removing this delinquency from my credit report. I am requesting that this be removed from my credit report and taken care of as soon as possible. As you can imagine this greatly affects the status of my loan aplication. As mentioned, my above credit score is a reflection of my timely payments to all of my creditors. As you will see in my payment history with Costco since approximately XXXX, I have never been delinquent. I hope you can see the uniqueness of this situation. I greatly appreciate your consideration.
Product: Debt collection

I never received the original contract that i signed that states the debit belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

IC Systems is showing a charged off account on my credit report. Stating that I opened the account in XXXX of 2019. They show they are with XXXX< I have been sith XXXX for 3 yrs. They refuse to delete the account.
Product: Bank account or service

I have a {$500.00} revolving line of credit with Regions Bank. I am in the process of trying to close on a condo, so I paid {$300.00} last month and yesterday, XXXX/XXXX/2015, the account had a balance of {$190.00} in which I made a payment of {$200.00}. This a.m. I went into the branch to try to get an update statement showing the {$200.00} payment with a available credit of {$500.00}. Unfortunately, the XXXX branch manager could not produce an updated statement showing this payment and available credit. Unfortunately, I discovered Regions had assessed a {$37.00} paid in full fee and was able to produce a statement showing only this transaction. I also noticed that on this {$500.00} revolving account, Regions had " willy nilly '' assessed a ton of fees to this account throughout the time I have had this account.
Product: Mortgage

XX/XX/XXXX I tried to payoff my loan, but Amerihome Mortgage Co. system wouldn't let me payoff the complete amount, so I owe XXXX  XXXX. 

XX/XX/XXXX I received a payoff notice that said they owed me {$41.00} because I over paid interest on the loan. 

XX/XX/XXXX They sent a new payoff that I owe them {$.00} now with no explanation on why they changed what was owed. 

XX/XX/XXXX I called to get an explanation and their representative was going to email another dept. and get back to me. Should take 1 or 2 days. 

XX/XX/XXXX Still no answer on why the change. They have sent me a notice that state 's if I don't pay the {$.00} by XX/XX/XXXX they'll charge me {$56.00} in late fees.