23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This letter is to formally complain about an unauthorized Affirm account appearing on my credit report. 

In XXXX XXXX  I discovered an unknown Affirm account listed on my credit report. I immediately contacted Affirm customer service to report this unauthorized account. During this call, I informed Affirm that I had never opened an account with their company and requested that the account be removed from my credit report. I also completed and submitted the required affidavit as instructed by your representative. 

I believe this to be a case of identity theft. I attempted to reset the account password using my Social Security number ( last four digits : XXXX ) as the verification method. This action granted me access to the account, where I discovered numerous unauthorized purchases made without my knowledge or consent. 

This unauthorized account remains on my credit report, causing me significant financial hardship, including : Difficulty obtaining loans : Lenders are hesitant to extend credit due to the presence of this unauthorized account.

Increased interest rates : Even when I am able to qualify for loans, the interest rates are significantly higher due to the negative impact on my credit score.
Product: Credit card or prepaid card

I opened an dispute with PNC bank regarding charges from an account that was unauthorized and PNC reversed the fees claiming it was valid and it was not. I was charged on XX/XX/XXXX and the card ending in XXXX was a card that was suppose to be closed and PNC said the cancelled my card and no other charges will be taken from that card. on XX/XX/XXXX I noticed other charges was still coming out of this card including a charge of {$52.00}, {$250.00} from XXXX. PNC is allowing fraudulent companies to debit my account, I want my {$210.00} reversed and put back into my account.
Product: Mortgage

XXXX XXXX, XXXX I received a letter giving me a trial modification with Seterus. The trial went from XXXX XXXX, XXXX to XXXX XXXX, XXXX. I paid all the trial payments on time and did n't receive a modification. I have n't received anything in writing to inform me of the status of my loan. 
After the XXXX XXXX was made I called asking about converting the trial modification over to a permanent modification I was told it was n't completed. I was verbal directed to continue paying the modification amount until I heard from Seterus. 
I am on emergency mortgage assistance program under CT Housing Finance Authority. I pay a portion of my mortgage to CHFA and they pay Seterus my whole mortgage payment. Toward the end of the trial I found out CHFA was paying the whole amount of my mortgage not the modification amount. When CHFA called Seterus wanting the difference back between the mortgage amount & the modification amount they were told the difference went to my principal balance. I was told my trial mod was n't hurt due to the higher payment being made. 
When I called XXXX XXXX, XXXX I was verbally told I was n't getting the mod because my account was n't behind, it was now up to date. I upheld my side of the agreement - Seterus failed to upheld their side of the agreement. Seterus has not converted my mortgage to a permanent modification.
Product: Credit reporting

Attention dispute department XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$100.00} XXXX {$210.00} MIN {$43.00} {$130.00} XXXX DELINQ 90 XP/XXXX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1700.00} XXXX {$0.00} 120 {$0.00} {$0.00} XXXX COLLECTION XP/XXXX/XXXX Late Dates : XX/XX/XXXX-120, XX/XX/XXXX-120, XX/XX/XXXX-120, XX/XX/XXXX-120, XX/XX/XXXX-120, XX/XX/XXXX-120, XX/XX/XXXX-120, XX/XX/XXXX-120, XX/XX/XXXX-90 XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1000.00} XXXX {$0.00} 120 {$0.00} {$0.00} XXXX COLLECTION XP/XXXX/XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$810.00} OPEN {$810.00} XXXX {$810.00} {$810.00} XXXX COLLECTION XP/XXXX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX {$360.00} OPEN {$360.00} XXXX {$360.00} {$360.00} XXXX XXXX XXXX XXXX COLLECTION XP/XXXX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1700.00} XXXX {$1800.00} XXXX - {$1800.00} XXXX COLLECTION XP/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1000.00} XXXX {$1000.00} XXXX - {$1000.00} XXXX COLLECTION XP/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I have concern in regards to accounts that are being reported in my credit report. I actually got my credit report from Equifax, XXXX and XXXX but accounts from DEPTEDXXXX with account number of XXXX are being reported late XXXX days but based on my report these should be not reported as XXXX  days late hence removal is a must.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting XXXX XXXX XXXX account # XXXX has violate my rights 15.U.S.C 1681 section 602 A. states i have the rights to privecy 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
Product: Mortgage

I submitted an insurance payment check for roof repairs to Fay Servicing for their endorsement upon which having made arrangements with a Contractor to do the work, was expecting immediate return to get started. I was informed that the check was being held up through a monitoring procedure. The reason I was given is that at the time of the loss, I was delinquent in my payments. First of all, the time of loss that they are going by is the date I filed the claim with my insurance company. The actual time of loss was much earlier. Also, the payments were delinquent because of an error made by my bank. The payments to Fay Servicing is part of a bill pay system through XXXX XXXX XXXXXXXX. Each month the payments are processed through the bank and sent to the Mortgage company. Unfortunately, a payment sent from XXXX XXXX XXXX was sent to the wrong Fay Servicing Address for payment. Fay Servicing chose not to process the payment and returned it to XXXX XXXX XXXXXXXX. Consequently, by the time I was made aware of this, my status with Fay Servicing was showing delinquent. I immediately, made a catch up payment. However, before that, each months payment went to the previous month for payment causing the delinquency, thus the monitoring system. I appealed this decision with Fay Servicing to no avail. I submitted a years worth of payments from my bank which showed late but no defaults ( see attached ). I believe this to an arbitrary decision and unwarranted given the extenuating circumstances. Fay Servicing did not take the time and was unwilling to consider the explanation and denied the appeal. I will be XXXX XXXX XXXX in a few months and do not have the stamina or the wherewithal to handle this stressful monitoring situation.
Product: Checking or savings account

Received checks for XXXX new accounts with TD Bank which I did not open. 
Received insufficient fund letters on these XXXX accounts which I have never opened. 
Attempted to contact company to ensure accounts are closed as they were fraudulently opened without my consent. 
Unable to speak with anyone at this company.
Product: Credit reporting or other personal consumer reports

I MAILED INFORMATION TO ALL THREE CREDIT BUREAU TO REMOVE AN INCORRECT ADDRESS FROM MY CREDIT REPORT. 

I INFORMED IT WASNT MINE AND PROVIDED A LIGHT BILL FOR PROOF. 

THIS IS CAUSING MUCH GRIEF DUE TO ME SOON SEEKING A MORTGAGE, THE LENDER WILL ASK ABOUT THIS ADDRESS, AND I NEED IT REMOVED. 

PLEASE HELP THE INCORRECT ADDRESS IS : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FLORIDA
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 XXXX. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXXXXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX I XX/XX/XXXX -The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XX/XX/XXXX- The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXXXXXX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting.
Product: Debt collection

A company purchased a debt that was not verified by a previous company and was ultimately removed from my credit as I am unaware of such debt. I sent a letter to the company on XX/XX/18 after receiving a notice on XX/XX/18. The company was asked to provide several tenets of proof and sent a bill without the additional evidence on XX/XX/18. Instead of allowing me to investigate, the company then added the charges to my credit as a collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, TX XXXX XXXX You are in Direct Violation of the Fare Credit Reporting Act ( M & T Bank ), has violated several of my rights. 
15 U.S.C. 1681 section 602 A. clearly states that I have right to privacy. 
15 U.S.C. 1681 section 604 A. Secion2 also states that a consumer reporting agency can not furnish my account without written instructions. 
15 U.S.C. 1666B : A creditor may not treat a payment on credit account under an open-end consumer credit plan as a late as late for any purpose. 
Remove the late payment and update the account immediately as you are in violation of several laws under the Fair Credit Reporting Act.
Product: Debt collection

I received a letter from XXXXXXXX XXXX XXXX  on behalf of midland credit. I asked for the original contract from both parties, it has been months and I still havent received the information I requested. I have documentation to prove it. Now they are threatening a lawsuit on me but havent sent me the information to prove accuracy.
Product: Debt collection

XXXX XXXX # XXXX is reporting late payments with the 3 CRA XXXX 
I dispute this debt as I have never opened an account with this collection agency ; therefore, the collection agency is inaccurately and erroneously reporting a 30-day late notation.
Product: Debt collection

American Express didn't provide any written letter regarding my right to dispute the current debt at hand.
Product: Checking or savings account

i am apart of the wells fargo banking complains, they closed my account before a had a chance to pay the fees they were charging me and didn't know till now that it was wrong on their part. the fees came for not having a money in the account although i had money in it
Product: Credit card or prepaid card

I received six Visa Debit cards issued from U.S. Bank ReliaCard Each card is issued to a separate person, but all mailed to my home address. 

I received these cards in the mail on XX/XX/2020 XXXX
Product: Credit reporting

I sent a request to Equifax , that I will attach, along with my ID documents in XXXX. I just realized they never responded to my letter.
Product: Credit card or prepaid card

Subject : Dispute of Late Payment Reporting during XXXX Pandemic To Whom It May Concern, I am writing to dispute a late payment entry on my credit report related to my account with CAPITAL ONE. The late payment in question occurred during the XXXX pandemic, and I believe it was inaccurately reported. I am seeking your assistance in rectifying this matter. 

I recently reviewed my credit report and noticed that a late payments has been reported on XXXX for my account with CAPITAL ONE. I would like to bring to your attention that during the period encompassed by the late payment, I was granted an " accommodation '' by CAPITAL ONE as defined under the provisions of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( f ) ( i ) ( I ). 

According to the definitions provided in the subsection : " Accommodation '' includes various forms of assistance extended to consumers affected by the XXXX pandemic, such as deferring payments, making partial payments, forbearing delinquent amounts, modifying loans or contracts, and other relief measures. 
The " covered period '' pertains to the time during which the consumer is affected by the coronavirus XXXX 2019 ( XXXX ) pandemic. 
During this covered period, I was adversely impacted by the pandemic, leading to the " accommodation '' granted to me by CAPITAL ONE. As a result, I am disputing the late payment entry as it does not accurately reflect the circumstances and the " accommodation '' provided by the creditor in accordance with the Fair Credit Reporting Act. 

I kindly request that you investigate and correct this error on my credit report. As per the FCRA, I have the right to accurate and fair reporting of my credit information. I have enclosed documentation supporting the accommodation provided by [ XXXX 's XXXX ] during the XXXX pandemic. 

Please provide me with a written response confirming the results of your investigation and any updates made to my credit report as a result of this dispute. Additionally, if any documentation is required from my end to facilitate this process, please let me know. 

Thank you for your attention to this matter. I look forward to a prompt resolution of this dispute. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

XXXX or XXXX I called to XXXX and asked how much do I own to the bank. I want to to pay off and closed my account. I don't think PenFed is good and honest credit card provider. Then the lady said " {$1200.00} I owned to their bank '' I said " I wanted to pay off {$1200.00} then closed my account please " I gave her debit card and routing number. the process went throught. I asked her few times ... .Please closed my account and I own " XXXX '' to the bank... She said ok. my account will be close. after I ended my called. I put XXXX card away, and never aver use again. 

Yesterday XX/XX/22 I received from PENFED CREDIT CARD. I still own them {$40.00}. I don't have their card and never use it for months. I called the PENFED. ... why I own {$40.00}. Lady said during " Pending my pay off ''. fee charge {$40.00} more. 
This is real " SCAM " I gave them my debit and my routing, process went and they XXXX  took my money in no time. The lady ( PENFED. ) the manger will called me back in 2 hrs after I requested. I told her I gave her 4 hrs to call me back. I know this is scam, their manager will not call me back. And I was right. no one call me ask/from PENFED. for the whole day. 

" Pending my pay off ''. fee charge {$40.00} more. for that transaction. This so funny and cheap scam.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to TXXXX XXXX Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit card

I was notified by Chase bank in mid XX/XX/XXXX that they were closing all XXXX credit card accounts that I have with them. I called their customer service and even went to a local Chase branch, but got no clear answers on why my cards were closed. Customer Service is appallingly bad and useless. A few weeks prior I had reported to Chase that XXXX of my cards was used fraudulently for a balance transfer of {$3500.00}. I suspect this has something to do with why they closed my accounts, but again they do n't want to give me any details. My identity was stolen, it 's not my fault, but Chase seems to think I 'm some type of security risk. At this point I do n't care about the cards, but I told them I have outstanding balances I need to pay, in order to maintain my excellent credit score. They told me someone would get in contact with me but no one has and I can no longer login to the Chase website to pay my bills, but oddly I am still receiving email alerts that my bills are ready to view and pay. So their website design is just as bad as their customer service. Why am I still receiving these emails if I 've been banned from logging in to pay? I need Chase to MAIL my bills to me for all XXXX cards so I can pay my bills. ALSO, my Chase XXXX card has a {$95.00} annual fee that I just paid in XX/XX/XXXX. The card was canceled by Chase along with the other XXXX in XX/XX/XXXX, so Chase owes me {$95.00} for a card that I can not use. They need to send me a bill showing the {$95.00} credit, then I will pay my remaining balances and be done with Chase forever.
Product: Credit reporting or other personal consumer reports

hello my name is XXXX XXXX XXXX after reviewing my chexsystems report the following information in my file does not belong to me. These items need to removed from my credit file immediately. I am a victim of identity theft and did not make the charges. Please remove to correct my consumer file. I am unable to verify my identity due to these false information. I reported the theft of my identity to the federal trade commission and enclosed a copy of the FTC report. Please remove as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and 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 these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023 Dear Experian, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you 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. The following information therefore needs to be re- investigated. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX 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. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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

My full legal name is XXXX XXXX and my date of birth is XXXX :XX/XX/XXXXMy social security number is XXXX : XXXX. My current address is Current address : XXXX XXXX XXXX XXXX, California XXXX. I did not authorize anyone to use my name or personal information to obtain funds, credit, loans, goods, or services or for any other purpose as described in my complaint. 
I did not receive any money, goods, services, or any benefit as a result of what happened in my complaint. These accounts are unfamiliar to me and I was told to let you know about them. 
Enclosed is a copy of my Identity Theft Report, supporting my position. In addition, I am enclosing a copy of sections 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that the information you provided is the result of identity theft.