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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX  XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, 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 are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX 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: Mortgage

I am writing now in hopes to receive your help. Presently I am working on examining my credit, paying down my balances, and pursuing better credit worthiness. You play a vital part in this process. I am asking about the account number referenced in this complaint. 
I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX  and XXXX ) on XX/XX/2018 and I am submitting this to have this remark took back. I had believe I had made all my payments on time, the only thing I could imagine, is that my statement didn't get to me in time.
Product: Student loan

I can not log in to my account. I have called and I have emailed and everyone keeps telling me what I owe and when it is due. However, I keep asking why I can not get into my account. The last time I called, the rep told me the reason I can not get into my account is because my loans are being discharged and when the process is complete I should be able to get into my account. Well, I still can not get into my account and I just now received another email about what I owe. My loans have not been discharged. I can not afford my monthly payment and want to apply for an Income-Driven Repayment plan. But I can not get into my account to get forms or pay or anything. I won't be paying anything at the moment because I'm locked out of my account and no one is helping me.
Product: Credit reporting or other personal consumer reports

XXXX different accounts thru american XXXX showing up on credit report been fighting this for years to remove even sent in police report of Identity theft no results with XXXX of removal all XXXX accounts with them in my name
Product: Debt collection

I was hospitalized in XX/XX/XXXX 2016 and had XXXX XXXX was an out of network provider at the in-network hospital where I was taken. This was not disclosed, and several months after I was discharged, I began to receive bills for over $ 8K for few days of consults. In XX/XX/XXXX, XXXX XXXX XXXX sent me an appeal form and actually instructed me on how to file and appeal with my insurance company. I was still injured, and required assistance, but I managed to submit an appeal to my insurance and sent a copy to the office to notify them that the appeal was filed ( I was given a form and a return envelop from XXXX XXXX XXXX ). My insurance approved the payment and sent XXXX XXXX XXXX XXXX a check in XX/XX/XXXX ( Check # XXXX ).  In XX/XX/XXXX, I began to receive notices from the Collection Bureau of the Hudson Valley Inc. stating the bill had not been paid. I confirmed that the bill was paid by insurance. The check was actually cashed by the time I received the first notice. Unfortunately, I am still being chased by XXXX XXXX XXXX. Today, I received a call while at work. She informed me that I was in collections, that my credit report was being affected and threatened legal action. When I stated that the bill had been paid, insurance had confirmed, that I would have my lawyer contact her, she stated " that wo n't be good for you ''. I again reiterated that the bill was paid, that XXXX XXXX s office was fully aware that I had appealed and should not have sent this to collections. I asked if my credit was being affected and she confirmed they have reported me and my credit is suffering. I told her I would have a lawyer follow up since there was no reason to continue to pursue a debt that had already been paid more than 3 months ago. I was again threatened and told I was making things worse for myself if I involved a lawyer. I asked if she had asked XXXX XXXX 's office if they had been paid and her response was " we do n't contact the creditor unless YOU pay use or give us proof the debt is paid. '' XXXX  XXXX XXXX, XXXX was aware I was appealing to insurance for payment yet submitted my account to collections affecting my credit ( possibly as they were receiving a check! ). They cashed the check and did not put a stop on the collection agency. The collection agency ( Collection Bureau of the Hudson Valley, Inc. ) is chasing a debt that has been paid and refuses to check with the creditor to confirm if the debt has indeed been paid. In the meantime my credit is being affected/further threatened, I am being threatened with legal action ( thanks to XXXX XXXX ), and am cautioned against having a lawyer because " that will make things worse for you ''. I must ask for assistance from the CFPB in the meantime to address the attempts for a double payday and attacks on my credit. Please hold these 2 companies accountable!
Product: Credit reporting or other personal consumer reports

I have carefully reviewed my credit report in 3 credit bureaus. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me.
Product: Debt collection

I am writing this personal statement to report a case of identity theft regarding recent inquiries, Loans and unauthorized transactions made on my behalf. I have only recently discovered this information through a credit repair company, which I sought assistance from while applying for a XXXX XXXX membership. I want to make it clear that these inquiries, Loans and unauthorized transactions were not made by me, and I believe that my personal information has been compromised. It is of utmost importance to address this matter promptly, as it not only affects my credit history but also raises concerns about potential fraudulent activity. I kindly request your immediate attention and support in resolving this issue and safeguarding my personal and financial well-being. 
companies involved ; XXXX XXXX for {$470.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX {$200.00} NCB management Services XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$720.00} Two hard Inquiries by XXXX XXXX XXXX XXXX XXXX XXXX XXXXI
Product: Mortgage

We have multiple accounts with ditech.com. XXXX is set up on auto pay, house XXXX. The other XXXX I had been making by phone. They " overhauled their system '' so that they began charging either {$19.00} or {$10.00} to make a payment by phone and urged us to set up an account on their website. We did that, I made a payment to XXXX account fine, for house XXXX, but apparently the XX/XX/XXXX payment to another account, House H, went to the account already set up on auto pay ( house XXXX ). I was n't aware this happened until it was time to make XXXX 's payment. On XXXX XXXX, 2016 I called ditech and said that I had made the XX/XX/XXXX payment for house XXXX They said that if I faxed proof of payment, the account would be updated immediately. I faxed the proof as they required. Then to follow up, I spoke with XXXX at ext XXXX. He said he " would send the request to maintenance '' and to give him " two days to work the kinks out of the new system ''. He said he worked noon to XXXX, call back then. I called, noon, XXXX, XXXX and XXXX extension went straight to voice mail. I was still trying to make XXXX 's payment which " the system '' would not accept because " the system '' had not yet been told that I made XXXX 's payment. It took many hours to finally reach a tech named XXXX at ex XXXX, who was able to " override the system '' and accept XXXX 's payment. By XXXX I was able to get a confirmation from XXXX for the payment. By XXXX I still had not heard from XXXX, so I escalated to his supervisor, XXXX XXXX XXXX. I was placed on hold, hung up upon, told that XXXX was now available, then placed on hold again but finally was able to speak to XXXX XXXX. XXXX XXXX now tells me that it will take AT LEAST several more days to re-allocate the payment to the correct account for house XXXX, that he " completely understands '' my " frustration '' but makes no apology for the hours I have had to spend on the phone trying to make XXXX 's payment on time and getting a misallocation error corrected. 1. I want my accounts corrected so that they accurately reflect the payments that were intended to be made on them on the day ( s ) the payments were made, including back-dating if necessary. 2. I want a " cease and desist '' order placed on account XXXX until the payment is allocated correctly to that account so that no deleterious files or notes can be written or reported about it. 3. I want Ditech to write a letter explaining what happened and how they will or have corrected the error that I can keep in my files as documentation. 4. I want our credit report to accurately reflect that no payment was ever missed, that all payments were made on-time and in-full, and 5. I want ditech to make sure that " their system '' is fixed so that they correct errors more quickly. 6. I want ditech to provide better communication so that it 's not so difficult and time consuming to correct a mistake. 7. I want ditech to have make sure that every account has it 's own page, so that it is not possible or at least extremely difficult for a payment to be applied to the wrong account erroneously. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX, Last 4 of SSN XXXX, XXXX XX/XX/XXXX Contents of complaint, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 5 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under acount number XXXX, an account at XXXX XXXX XXXX opened on XX/XX/XXXX under account number XXXX, other accounts such as XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX under the account number XXXX, an account at XXXX XXXX opened on XX/XX/XXXX under account number XXXX, an account at XXXX XXXX opened on XX/XX/XXXX under account number XXXX, an account at XXXX XXXX opened on XX/XX/XXXX under account number XXXX. Collection accounts at XXXX XXXX XXXX opened on XX/XX/XXXX under account number XXXX, a collection at XXXX  XXXX  opened on XX/XX/XXXX under account number XXXX, a collection at XXXX XXXX  opened on XX/XX/XXXX under account number XXXX and 2 Hard inquiry with XXXX XXXX and XXXX XXXX. 

These accounts have resulted in several fraudulent collections and hard inquiries appearing on my FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer FICO credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections and hard inquires are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.
Product: Student loan

After getting information at work about fed employee forgiveness plan I sent the required form. After many calls to find status I was told I qualified. I continued to go online at fed loan but account not set up yet. Received letter stating do not send payments to previous lender XXXX as loan was transferred. More attempts to get info from fed loan but account not set up yet. Mean time fed loan sends bill for XXXX dollars. Sent the payment expecting adjustments with next bill. Next statement said I owe XXXX dollars. Called fed loan and was told that was my monthly payment. I had been paying a manageable XXXX dollars a month to XXXX and this was unreasonable. Fed loan said I was paying too little? I was told that if made all of my payments on time All previous payments would count towards my XXXX payments. After phone calls I was told I had to consolidate first. I never signed a contract stating the terms of this loan and want to go to my original loan with XXXX. Is there something I should do?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX : XX/XX/XXXX SSN : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX PA XXXX TransUnion XXXX XXXX XXXX Dear Transunion XXXX was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. 
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 However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : 1. XXXX - Account # XXXX - Delete this account because you are inaccurately reporting : the date of the last activity, the high balance amount, date opened and more. Please see the attached XXXX. XXXX XXXX - Account # XXXX - Delete this account because you are inaccurately reporting : the date of the last activity, Last Payment, date opened and more. Please see the attached 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 complete of your re-investigation. 

Regards, XXXX XXXX
Product: Checking or savings account

I purchased furniture from XXXX XXXX they assisted me in taking a loan out from XXXX XXXX XXXX. I have never received my furniture. I have been giving the run around between these XXXX companies to retrieve my money. No luck at all. So I contacted Bank of America and disputed the claim. I was told more than once that if the problem wasnt resolved by XX/XX/XXXX that I would receive a credit. XX/XX/XXXX came I called Bank of America again after being told that you were open by a bank associate and you guys were clearly closed. So Monday XX/XX/XXXX I called and now they are telling me Im Not eligible for a credit. This has inconvienced me so bad. They refused to give me customer relations contact info. Please help me
Product: Credit card or prepaid card

XX/XX/XXXX I initiated a balance transferred Citi card Simplicity card. I noticed the balance was still on my previous card, so I contacted the previous card and was told Citi Card did not accept/process the balance transfer. I also contacted Citi card and they can not find it, but it is on my statement and I have been charged {$96.00} for the transfer. My transfer is between two credit cards and Citi card hangs up when I am holding to talk to a representative for more then 20 minutes. I also did live chat and no one will help. Citi card states its XXXX XXXX 's issue and its clearly a Citi Card issue. I have contacted Citi card on XX/XX/XXXX, and at least 10 times since XX/XX/XXXX and today XX/XX/XXXX.
Product: Credit reporting

Transunion refuses to remove a Chapter XXXX BK after it has been settled and closed even tho it is more than 7 years since the file date. Even tho according to their website it is to be removed " A completed ( discharged ) or dismissed Chapter XXXX remains on file for up to seven years from the date filed. " I have even send Transunion a copy of the BK Final Decree.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX****, XXXX  ( Original Creditor : XXXX XXXX ) XXXX****,
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX and Collection account # XXXX, has violated my rights. 

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 a account without my written instructions
Product: Checking or savings account

This month I got 5 overdrafts fee for a total of XXXX, when the amounts covered was XXXX . We are talking about 35 % profit for you. I fully understand and appreciate that you cover some of the automatic transaction, but when the covered transaction is bigger than XXXX the bank return it even when is an automatic monthly transaction, but for smaller amounts for streaming services and memberships the banks never returns. For example my gym is XXXX XXXX per month but wells dark charged XXXX, XXXX is XXXX XXXX  per month but the overdraft is XXXX . There is a systematic patter here of picking and arranging small amount transactions that represents a big profit for the bank in overdraft fees or am I wrong?. 
Im not sure how to interprtate the XXXX or XXXX XXXX  check ..I dont remember, that you sent me months ago because I qualified for overdraft adjustment
Product: Debt collection

A credit alert for a derogatory account was placed on my account on XX/XX/XXXX by Commonwealth Financial at the behest of XXXX XXXX XXXX XXXX for {$1600.00} -- TWICE! 

A credit alert for a derogatory account was placed on my account on XX/XX/XXXX by Commonwealth Financial at the behest of XXXX XXXX XXXX XXXX for {$1600.00}. 

A letter demanding payment for two separate amounts of {$1600.00} was sent to me with a date of XX/XX/XXXX by Commonwealth Financial at the behest of XXXX XXXX XXXX XXXX. All parts of this letter are attached as files to this complaint. 

This is a bill for an ambulance with a date of service in California from XX/XX/XXXX. It is now XXXX and I live in New Mexico. I do not owe the company this money. I did not acknowledge the debt and " reset the clock. '' This company is attempting to ruin my credit in order to illegally intimidate me into paying.
Product: Credit card or prepaid card

On XX/XX/2021, I initiated a dispute for the amount of {$89.00} for products I purchased at XXXX XXXX in XXXX, NY. Approximately two weeks later, I attempted to return the purchased merchandise for the stated value above. The merchant declined to refund my purchase, even though the merchant 's refund policy clearly stated that full refunds were possible up until 30 days since purchase. This return policy can be found at the following website : XXXX XXXX XXXX XXXXXXXX & XXXX & XXXX : XXXX & XXXX & XXXX Citibank says they have investigated this dispute and marked the dispute as closed on XX/XX/2021. Citibank then reversed the disputed {$89.00} credit that they had temporarily given me. They have not provided me any reasoning or rationale for the reversal of the credit. When trying to access any documentation about the dispute, I am unable to locate anything. I have reached out to customer service to inquire about this, but unable to get any information.
Product: Debt collection

hey XXXX XXXX it appears that this item on my credit report has turned into a charge off but I noticed you never sent me a XXXX would you be so kind to send me a XXXX for a cancellation of debt of this item due to my financial hardship I would greatly appreciate it I've gone through a serious financial hardship and this would help me with my credit in the future thank you so much