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

I am contacting you to dispute fraudulent items on my credit report, which I believe stem from identity theft. Pursuant to 15 U.S.C. 1681c-2, I am requesting that these inaccuracies be blocked promptly. Attached is a copy of my Report/FTC identity theft report ( FTC Report XXXX : XXXX ), which provides clear evidence of my identity theft claim. Under the provisions of 15 U.S.C. 1681c-2, once an identity theft report has been submitted, credit reporting agencies are required to block the disputed information identified as resulting from identity theft within four business days. The following entries on my credit report are associated with this identity theft and must 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 your reference. My credit report contains fraudulent ACCOUNTS 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 Certified mail. 

In addition, I request the immediate removal of the following fraudulent ACCOUNTS AND INQUIRIES from my credit report. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

On XX/XX/XXXX a payment of {$710.00} was made to my Santander overdraft account. The amount paid was based on the balance reflected on my Santander mobile application. Once payment was made a XXXX balance was reflected and debt was satisfied. On XX/XX/XXXX I was made aware that a {$24.00} interest charge was accrued in XXXX that was not clearly reflected on my mobile application and mistakenly overlooked. I was made aware of the delinquent charge when I received a late notice in the mail and the interest along with late fee totaling {$44.00} was immediately paid. With 95 % of my bills paid online I heavily rely on my mobile applications to validate balance owed. In addition, after struggling with financial challenges during the pandemic I have worked diligently to keep my overdraft account at XXXX and only use the account as a fallback when funds are delayed being transferred between accounts and always monitor balance owed. If I was aware of the outstanding debt payment would have been made immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are items being erroneously reported on my credit report and I have requested what method of verification was used to attribute those items to me with no response.
Product: Credit reporting or other personal consumer reports

According to my credit report, I noticed my privacy rights were violated. 15 U.S.C 1681 section 602 A. 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 an 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 ) ( 1 ) 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. The accounts that are in violation of my rights are listed below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

1. Incorrect credit reporting regarding LVNV Funding LLC ( original creditor : XXXX XXXX 2. Incorrect credit reporting : XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX ) Note : Both were disputed but the credit bureaus failed to put that it was disputed under FCRA laws. They reported disputed by individual therefore this was incorrectly disputed and after contacting them they would not provide any further explanation nor information.
Product: Credit reporting or other personal consumer reports

Thank you for your attention to my credit report and for removing some of the incorrect information. There are still a few items that need further review and removal. This is my new complaint that I encountered incorrect credit report information and I write to dispute certain items in my file resulting from the problem. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any items in my credit file issues due to erroneous credit report details : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$590.00} ; XXXX XXXXBalance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX Balance : {$75.00} ; XXXX XXXX Balance : {$1900.00} ; XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} ; XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX Balance : {$10.00} ; XXXX XXXX XXXX Balance : {$75.00} ; XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX Balance : {$650.00} ; XXXX XXXXBalance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$75.00} XXXX XXXX XXXX Balance : {$1900.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$640.00} ; XXXX XXXX Balance : {$370.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/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 XXXX These items are unknown to me. Also, the information you provided on some items are DELETED from other bureaus and I have doubts in their accuracy, and the reported payment history on the accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Mortgage

Amerisave charged me upfront fee of {$500.00} just for taking my application to refinance my mortgage
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I hope these disputed items will be fixed as soon as possible. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im writing today to voice a concern about an issue which the credit bureau has not complied with. The following accounts are in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the item nor done any level of investigation to support their position. I need these accounts removed due to the rules of estoppel. 
XXXX XXXX & XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX account that Ive had since XXXX. I originally started with a fresh start program in which you can graduate to a regular card after a period of 6-9 months. Due to unforeseen out of my control issues I fell behind in XXXX and XXXX of XXXX. I called XXXX immediately addressing my concern and giving heads-up about my account. Since then Ive had clean on time payment history. I sent a goodwill letter early last year to have to late fees removed as a goodwill courtesy. And they were removed or my payment history status on my Credit report for XXXX, XXXX and Equifax. Or this changed on my report due to the age of the late payments. However, they are now back on my credit report. I shouldnt be held accountable for the late payments that occurred during the fresh start program. I would like XXXX to honor my goodwill letter and have the late payments removed from my credit report for XXXX, Equifax, and XXXX in which I know they have the ability to do so. All in regards to me not having any issues for the past 3 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECVD THIS DOCUMENT IN THE MAIL. I DID NOT SIGN UP FOR THESE SREVICES I HAVE CAKLLED AND WENT ON THERE WEBSITE TO TELL THEM I DID NOT SIGN UP FOR THESE SERVICES. 
PLEASE CONTACT THEM AND GET ME OFF THESE SERVICES.
Product: Payday loan, title loan, or personal loan

I have contacted this company Ill several occasions to fix the problem the only amount that is due is for XXXX so theyre not even reporting the correct balance and theyre reporting in accurate information when I spoke with the branch manager went today he told me that they dont report until the end of the month and that they report it wrong so it needs to be fixed the next step. I will write a letter to the president of the company and I will contact the media for a new story investigation. I do have Proof all payments
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID. A bill, and a letter from an advocacy group helping me due to Human Trafficking - Debt Final Rule 1002. 142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( XXXX ).
Product: Debt collection

I checked my credit and seen some fraudulent accounts this was one I  have no clue about I wouldnt want anything from the merchant
Product: Credit reporting, credit repair services, or other personal consumer reports

I been a victim of fraud / the XXXX breach, etc ... I recently disputed these items but as of today the problem still exists. I'm holding the credit reporting agencies accountable because they are the ones reporting frivolous information without providing or being provided with physical verification as promised by the FCRA. If not corrected this time I will be forced to start a law suit against all 3 agencies. Hopefully this could be resolved from here. The following accounts being disputed are ... ( # 1 ) XXXX XXXX XXXXXXXX ( XX/XX/XXXX ), ( # 2 ) XXXX ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX )
Product: Credit card or prepaid card

Account ending in XXXX. On XX/XX/2023, I requested a credit balance refund of {$5000.00}. According to Amex, a check was mailed to me on the same day. Its been more than 3 weeks and I still haven't received the check. I contacted customer service to void the check and issue another one. My request was denied. I received a secured message on XX/XX/2023, saying that they cant issue a credit balance refund as my account is under review. However, I neither received the check nor was the credit re-deposited to my account. I don't know where my money is exactly at this point. Ive been trying to get a credit balance refund from Amex since XX/XX/2023 without success. Under 12 CFR 1026.11, Amex is required to refund any part of the remaining credit balance within 7 business days from receipt of a written request from the consumer.
Product: Checking or savings account

My name is XXXX XXXX of XXXX XXXX XXXX. Our office XXXX XXXX XXXX XXXX within the XXXX XXXX Area. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Bank of America eliminated its drive in sections of their banks a several years ago. Now that we are in a Covid-19 pandemic all deposits must be made through the lobby area of the banks in the XXXX  XXXX Area. Today we made a deposit at the XXXX Branch were there was a line that had formed all the way outside. When we entered the bank and finally met with a teller at the window we asked her why there was such a large line. We were told that the XXXX Branch had closed due to a Covid-19 Infections. We were also told that the other XXXX Branch had closed because the bank did not have enough employees to open up the branch. 
The closing of the drive in portion of Bank of America has jeopardized not only the bank employees but also their customers. 
For public safety we are demanding that Bank of America re-open all of the drive in sections of their banks. 
Bank of America is being negligent in protecting their employees and their customers.
Product: Credit card or prepaid card

XX/XX/2021 purchase XXXX XXXX XXXX XXXX  {$3500.00} XX/XX/2021 purchase XXXX XXXX XXXX XXXX {$2500.00} XX/XX/2021 purchase XXXX XXXX XXXX XXXX  {$1000.00} We paid the company " XXXX XXXX XXXX XXXX painting  company and never received services rendered. We are on vacation for 7 days and they said that they started painting our house and set pictures that it was almost complete just to come home to a home that was never painted and we have fought and tried to solve it with the company but it one excuse after another with them.
Product: Credit reporting or other personal consumer reports

Experian 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of inquiries in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I took XXXX XXXX XXXX in XXXX XXXX. Since XXXX XXXX my account was set upfor Autopay and the payments were going through every month without fail. In XX/XX/XXXX for some technical reason not relatedto me, Autopay didn't go through for XXXX and XXXX of XXXX ( I later in XX/XX/XXXX learned from XXXX customer service that autopay was disabled by the XXXX due to a sales tax increase by the government resulted in an increase in my monthly payment ). I cleared late payments as soon as I was made aware of the issue in XX/XX/XXXX and re-enabled autopay. This was reported to the credit bureau and it is affecting my rating very badly even though I have been a loyal customer of XXXX and made all payments on time. I tried contacting XXXX customer care and they didn't help me with this. On XX/XX/XXXX I was transferred to the Credit Reporting department by the customer care team ( I might have gotten the name wrong ) and a lady spoke to me from that department, acknowledged my payments were set up for autopay and observed a similar issue ( of autopay not going through ) with other customers with autopay enabled for more than a year. She guided me to report the issue to the credit unions and she suggested attaching the autopay statement from XXXX whichwassent to me by her. For some reason, XXXX didn't acknowledge this issue on their end when XXXX and Experian contacted them. As you clearly see auto pay not going through is not in my control. Yes, I could have realized this sooner but I was going through a COVID situation for myself and my family around that time which kept me busy. In the month XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX claims they tried calling me several times but I didn't see any voicemail evenif it is assumed I have missed their calls due to the XXXX situation I wasgoing through.Please help me with this. I tried explaining this to XXXX several times and they didn't show any empathy about XXXX  situation I was going through and the fact that the autopay disablement was due to XXXX 's reason. I have attached additional evidence about the XXXX and health situation along with the autopay-enabled email.
Product: Debt collection

I have sent a letter to the company regarding the details of the letters they have sent to me. I have told them that they have violated my consumer rights and broken federal law. I have also sent them a cease and desist and stated that all further communication shall be through mail, no phone calls. I listed the laws they broke and how they broke them along with their civil liability for breaking them
Product: Mortgage

My mortgage provider, XXXX XXXX XXXX, sold my mortgage to a new provider, mr cooper ( Nationstar Mortgage ), effective XX/XX/XXXX. The transfer process allowed the autopay process to transfer to the new servicing company. The new company, mr cooper, took out twice the amount they were allowed per loan agreement for XXXX. After contacting mr cooper about their error mr cooper they subsequently increased my principal & interest ( P & I ) portion of my payment to 10 times the amount shown on the loan agreement I had with XXXX. I again contacted mr cooper about their error, confirmed they had all supporting documentation including loan papers, payment history, and statements from XXXX. The Mr cooper representatives I spoke with all confirmed they had the information and agreed there is an error in their system. I received notice that my request to correct the error was being transferred to another department within mr cooper ( XX/XX/XXXX - date of verbal notification ; XX/XX/XXXX written notification ). I get daily emails and other notices that tell me I am overdue on my payment but no updates on when or if they will correct their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding the inaccurate reporting on my credit report. According to the information provided by TransUnion, XXXX and XXXX, there is a late payment listed on my account for XXXX XXXX. I would like to emphasize that I have never been late on this account, and I hereby request that you provide proof of this alleged late payment. 

I believe it is essential to address this issue promptly, as an inaccurate late payment notation can have a significant negative impact on my creditworthiness and financial standing. Therefore, I kindly request that you provide documented evidence of the alleged late payment, such as transaction records, to support your reporting. 

If you are unable to produce verifiable proof of the late payment in question, I insist that you take immediate action to delete this erroneous information from my credit report. As a consumer, I have the right to accurate and fair reporting, and any false or misleading information should be rectified in a timely manner. 

I trust that the Consumer Financial Protection Bureau will handle this matter with the utmost professionalism and diligence. I am confident that you will conduct a thorough investigation into my complaint and take the necessary steps to rectify the inaccurate reporting. 

I appreciate your attention to this matter and your prompt resolution of the issue. I look forward to receiving your response within the timeframe stipulated by law.
Product: Credit card or prepaid card

I have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay.