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

I have went on Experian once a month for the past XXXX months explaining the old addresses on my credit report. I have not lived at some of these addresses for over 10 years and have constantly asked to take them off. They continue to update and leave FIVE or more addresses that I no longer live.
Product: Checking or savings account

I applied for XXXX XXXX checking account on the XX/XX/2021. The account application was successful according to the multiple representatives I have spoken to. I have called in multiple times for the status of the account. 

Till date, I have not been able to access my account and each time I am given reason of " engineering team is looking into my issue. '' This is not acceptable as I have limited time to complete an account promotion for which I applied before XXXX XXXX changed the terms.. The bank is not able to give me access to my account and I feel like it is literally dragging the process so that I may not get the promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is the only bureau reporting 3 collections to my credit report that are not mine. I do not have nor do I ever get collections and all our medical is auto drafted from our account automatically. The accounts show NOT REPORTED- XXXX & XXXX & XXXX - These are erroneous and not mine. I demand to see a signature and XXXX XXXX is not valid verification.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I received financing for a surgical procedure in the amount of {$10000.00}. The receipt I received via email stated your " XXXX XXXX XXXX XXXX XXXX XXXX is confirmed '' Your contract reference is XXXX. Lender : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Loan Servicer : Cherry Servicing , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number : XXXX. I made my first payment of {$260.00} on XX/XX/24 before I saw the surgeon. Once I saw the surgeon he declined to do the procedure. The surgeon is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number : XXXX. The procedure did not take place and I notified the servicing company in writing that I would not need the loan and to please cancel it. I did this immediately, the very next day. They responded to me in writing via email and stated " to request a refund, please contact the practice where you used Cherry to make a purchase. We defer to the refund policies put in place by our partner practices and can not initiate a refund without their approval ''. This is insane to me because I didn't have the surgery. The practice didn't take out the loan, I did. I feel as if they should have verified that the procedure was cancelled and then cancel the loan asap. The next payment is due to come out of my account on XX/XX/XXXX. This means I will be paying for a loan on a surgery that I never had. I want this loan canceled immediately and my money refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Bureau to whom May Concern I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. All Hard Inquiries .. My social Was stolen back in XXXX And a lot of inquiries I have was not made by me I repeat Not done by me. I would like a fair investigation To get all hard inquiries remove or I would Follow this letter up with Cfpb Sincerely 1. ( XXXX  ) XX/XX/XXXX XXXX XX/XX/XXXX ( XXXX XXXX, XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX  ) XX/XX/XXXX ( XXXX  ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX  ) XX/XX/XXXX ( XXXX XXXX XXXX  ) XX/XX/XXXX ( XXXX cards ) XX/XX/XXXX ( XXXX XXXX  ) XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX  ) XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax keep sending these stall tactic letters requesting my information and I have submitted this information when I submitted my disputes
Product: Credit reporting or other personal consumer reports

Experian { XXXX Dept } XXXX XXXX was requested to ceast and desist all reporting to credit companies and my self they refuse to comply they stated they got a credit report from XXXX, XXXX on chat with my self stated they did not get any information from them, this is willful miss use of credit reporting enclosed are the statements from XXXX and my ceast and desist to the bank which they feel they dont have to follow. fraud is fraud in this case making up a credit report .to harm myself. I have never been late on a payment to them ever read about your external credit score used to evaluate for credit LAST SENTENCE { the credit score may differ from the score you obtain from a consumer reporting agency } i did not know they can make up what they want { adverse action to a credit report }
Product: Debt collection

I believe this account is a fraud. Please see attached XXXX - XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have spoken with employees and supervisors at Experian credit bureau regarding an XXXX XXXXXXXX XXXX that I have that it incorrectly reported by them. On XX/XX/scrub>XXXX XXXX XXXX I paid the account to a XXXX XXXX and have not used the card. Experian has not updated the account showing that there is a balance of {$260.00}. Still outstanding. 
When I contacted them to have this corrected, they stated that they doo does not have to update the account and even if the other two credit reporting bureau are reporting the status of this account correctly, I should be ok with that. I explained that I am buying a home, and my fico score needs to reflect that I paid the account off as the bank requested me to. One employee told me Well I do own a home and guess you will not either and hung up on me. I called back and spoke with a supervisor and was told that they are not required to update the account after the reporting date, I advised that they MUST follow the Fair Credit Reporting Act and her respond was You think I dont know that, but we are not updating this account. 
I would like to have this account reflect the correct status and also receive the correct amount of points for the account being paid on time and in full.
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was attempting to pay my bond fee of {$200.00} thru Cash App. I ended up sending tha money to the right name but wrong guy. XXXX XXXX ( $ Paulsbailbonds ) is tha correct name. I sent my money to XXXX XXXX ( XXXX Solutions ) which is the wrong guy. I immediately took action n called Cash App n they said there was nothing they could do being that I sent tha money. I then sent a refund request which he denied.
Product: Mortgage

I been trying to settle this account for several months, I send several offers in order to settle this account, but the lender refuses to provide me with a counter offer or mentioned a percentage to settle. Please help with this burden of my back. Really appreciate your help.
Product: Debt collection

I tried the " Home Internet Service '' from XXXX. I was told I had 15 days to " try out '' the service free of charge. The connection was terrible. On day 8 of the " Trial Period '', I returned the WiFi antenna back to XXXX, with the XXXX shipping XXXX XXXX sent me, after 7 days of trying to get the XXXX shipping label from XXXX. I took a picture of the box and sticker when I took it to the XXXX  drop box office. Ever since then, XXXX has been attempting to collect {$350.00} for a mobile number they assigned to the WiFi antenna upon setting it up when it arrived, even though I had already returned the antenna back to them, withing the trial period. I sent them a " Cease and Desist '' letter on XX/XX/2023, via Certified Mail, attached. 

On XX/XX/2023 I received a letter from Convergent Outsourcing, a debt collector. Their address is : Convergent Outsourcing, Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. ( XXXX ) XXXX. Reference # XXXX. This letter was to notify me that they were attempting to collect on the XXXX XXXX {$350.00}. I replied to them on XX/XX/2023, well before their XX/XX/2023 due date to notify them I was going to dispute the collection, simply because I did not owed XXXX or them, anything, period. I also sent the response and documentation via Certified Mail with copies attached to this complaint to the CFPB.
Product: Credit card or prepaid card

My name is XXXX XXXX. I am a resident of XXXX, Massachusetts for thirty years. For the past thirty years, I have worked so hard to always hold my best credit scores and clean history. I have also been a loyal and excellent customer to Bank of America ( BOA ) for the past thirty years. There has never be anything like this happened in the past.

I had asked the representatives at BOA long time ago to set up the alert system in my credit card account for the fraudulent protection. And BOA had set up the alerts for me. And if there are three or more charges occurred consecutively in my account, BOA shall deny the charges and notify me immediately through phone messages. And in fact, there were few occasions that my own charges were denied due to frequent activities in my card. NO DOUBT that I was very confident for the protection provided by BOA Company. 

But on XX/XX/2020, I was surprisingly find out that there were a total of 11 unknown items charged into my account from XX/XX/XXXX-XXXX, TOTAL amount : {$420.00}, but I have not received any alerts from BOA AT ALL ! 9 of the 11 charges were made on XX/XX/2020 consecutively at different local fast food companies at the times while I were busily working. I called BOA immediately, and they first have issued a credit for {$340.00} on XX/XX/2020. But later on XX/XX/2020, they have reversed the credit, and hurtfully blamed me for making all the fraudulent charges. I then appealed to many different BOA personnel for so many times, including the Managers, but the issues have never got resolved. BOA has played the games with me by asking me to find the proof from the merchandise companies. But the merchandise companies have directed me to talk to the BOA, because they could not possibly go back to their original purchase records. I have finally realized that BOA has never been sincerely to resolve my fraudulent issues, instead by easily making a case to blame and against the fragile customer like me. 

BOA know that they are responsible for providing the protection for their consumers! And they have failed to send any alerts for 11 so obvious fraud charges, something is wrong with their system. I have already terminated my credit card service with BOA. As a consumer, I only have the responsibilities to pay for what I have spent, but not for the fraudulent charges. It is BOAs responsibilities for watching over their customers account! I was so desperate and can only file the complaint with CFPB. I herewith ask you to please help to resolve the issues and to protect my credit reputation. 

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

We were just denied a do-able refi because the credit reports showed 2015 delinquencies reported by BOA. We do make payments on a home equity loan to BOA, but have never missed a payment or been late - ever. BOA modified this loan years ago. We can prove BOA received and deposited 12 checks from us in 2015, every month on time, as always. We see no reason for BOA to cause us financial hardship by falsely claiming arrears when there were none. As long as this falsehood is being reported we will never be able to get a lower payment on our home. We are seniors on a fixed income, with provable income, 35 % equity, a history of no late payments - but BOA has ruined our chances to modify our home mortgage. 
.
Product: Credit reporting

An unauthorized and fraudulent inquiry was made on my Experian credit report on XXXX/XXXX/2016 by XXXX XXXX XXXX. The inquiry is unauthorized and fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fedloan servicing closed my account as a result of them not renewing their federal account causing my credit score to drop without fault of my own. This egregious error is impacting our ability to obtain a new mortgage or rent a townhouse.
Product: Mortgage

We called Rushmore Loan Management Services in California on XX/XX/XXXX to request a payoff amount on our home improvement loan. Spoke with someone named XXXX. He said that he could not give us that. I asked why not, & he said it was their policy that they could either fax it to us or mail in about a week. So, today, I tried paying the monthly premium online, and then paying the balance of the amount shown on the page online. It would not let me pay it. We have the funds in our bank account to pay it off. Please help.
Product: Credit card or prepaid card

This is a closed account. I charged only {$200.00} and have paid {$230.00} this company refuses to completely close this account and now theyre telling me the balance on the closed account is XXXX and after the XX/XX/XXXX of each month they will continue adding late fees and interest on the closed account. At this point they are charging late fees and interest on late fees. They refuse to close it out completely and remove these absurd fees they continue to add to the closed account. I would like for them to close this account completely and remove those fees. I have paid them all I owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was able ( on line ) to get a freeze on XXXX and XXXX. ( in minutes for free ) When I filled in the information on Experian they said they could not take my information on line and that I had to mail the documents. They are making this difficult- I do not want to mail any requested information- they also charge a fee of {$5.00} where XXXX and XXXX do not,
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to18 USC 8, I owe no debt. This Company violating my customer right to privacy pursuant to 168 1b 2. company also has no permission to report ANYTHING using my info pursuant to 15USC 1681 4
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOT RECEIVED UPDATE ON THE INVESTIGATION, ALSO THEY HAVE BROKEN THE LAWS WITH REPORTING. XXXX AND TRANSUNION have violate the PHIUnder HIPAARules. PHI is health informationinany form, including physical records, electronic records, or spoken information. Therefore, PHI includes health records, health histories, lab test results, andmedical bills. I did not give you permission to share my treatment cost, nor do you ave a HIPAA authorization form to report my medical information. This is a direct violate of the law.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XXXX XXXX  The following inquiries were not and should not be reporting. 

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.

The accounts below have violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall 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: Credit reporting or other personal consumer reports

To Whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I don't believe the information to be accurate. XXXX XXXX XXXX  XXXX # XXXX Please verify these accounts, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX # XXXX
Product: Mortgage

Dear Sir/Madam, On XX/XX/XXXX, I made my first mortgage payment on time in the amount of {$2400.00} and also included an additional principal payment of {$45.00}. These initial mortgage payments were made to XXXX XXXX XXXX my initial mortgage provider ). 

My loan was then transferred to Lakeview Loan Servicing , LLC. My principal balance with Lakeview Loan Servicing does take into consideration this additional payment Lakeview Loan Servicing states my principal balance after the first payment is {$430000.00} XXXX  stated my principal balance after the first payment was {$430000.00} I have called both parties and written to them and have been ignored saying the issue can not be fixed. 

Kindest regards, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS AND TO FILL OUT FRAUDULENT APPLICATIONS ( INQUIRES ) IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to formally dispute the late payment entries that have been reported to the credit bureaus on my account. I believe this information is inaccurate and does not comply with the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws, specifically FCRA Section 602 ( 15 U.S.C. 1681 ) and Section 604 ( a ) ( 2 ), as well as 15 U.S.C. 1666b.

Under FCRA Section 602, credit reporting must adhere to a high standard of accuracy and fairness, ensuring that only accurate and fully verified information appears on consumer reports. Inaccurate reporting of late payments damages my creditworthiness and causes unjust harm. By reporting late payments without clear, accurate verification, [ Creditors Name ] is in violation of this standard.

Additionally, according to FCRA Section 604 ( a ) ( 2 ) ( 15 U.S.C. 1681b ), only permissible purposes justify the furnishing of consumer report information. The inclusion of unverified, erroneous late payments on my report constitutes a misuse of the reporting system and suggests the failure to uphold permissible purpose standards.

Furthermore, I request that you review 15 U.S.C. 1666b, which provides guidance on the timely posting of payments. It is my contention that these late payment entries may reflect a failure on [ Creditors Name ] s part to accurately process payments in a timely manner, per the requirements of this statute.

In light of the above, I request immediate removal of any inaccurate late payment notations on my credit report. Please respond to this dispute by providing documentation verifying the accuracy of this information, or proceed with the correction and update of my account.

Thank you for your prompt attention to this matter. Please confirm receipt of this dispute letter and provide a resolution timeline. I look forward to your cooperation in correcting my credit report to ensure its accuracy. 



Sincerely, XXXX XXXX
Product: Mortgage

State Bridge Company They service my mortgage. 

They rarely pay my taxes on time. 

I put calls into their office and I am told they will create a " ticket '' and get back to me. 

I am getting letters from the city tax collector. Again - I have called and they just say they will take my information and call me back.
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 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm this record ( 1 ). ( A ). I'm confident the contested records is settled. XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i went and see my credit report online on Credit Karma and I 've seen a lot of bank accounts that someone use my social number and open them. I just need all of them to remove from my life. I can list all of them for you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is all the accounts that i have never regonize. i really need them to dispute from my credit reports.