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

XXXX was sent a letter of dispute. After review of my credit reports, XXXX has not marked my account as disputed as required by the FDCPA
Product: Credit reporting or other personal consumer reports

XXXX XXXX  opened on XX/XX/XXXX {$3000.00} XXXX  XXXX opened on XX/XX/XXXX {$3100.00} The creditors above are falsely reporting accounts that were opened without my consent or knowledge.This is a case of identity theft and a clear violation of my rights under the Fair Credit Act Section 609 ( a ). I have already filed an identity theft report as well as a complaint with the better business bureau and identity theft gov and I demand this account be removed immediately from my XXXX, XXXX, and Equifax credit report or I will pursue legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never received a bill from the hospital, nor any type of communication from the collection agency regarding these debts from XXXX XXXX. I first learned of the accounts when they appeared on my credit report. I first disputed the debts on approximately XX/XX/2021 with no resolve. I requested verification from XXXX XXXX and they sent me itemized statements from the hospital which state THIS IS NOT A BILL. I re-disputed the information with Experian and submitted the documentation from the collection agency and they still did not remove the accounts from my credit record.
Product: Money transfer, virtual currency, or money service

I have had phone conversations with XXXX XXXX owner of XXXX several conversations about a recent repair being done. Once we go to the end of the repairs there was a small discount if you pay cash. This was being discussed in email and I was informed he could use Zelle to accept payment. Who I thought was " XXXX '' offered to send over his account for the zelle account he sent me the name and I did not call him to verify it since we are going back and forth on email talking about his golf game. Email comes over from what looks to be XXXX requesting to send XXXX to XXXX XXXX XXXX, I punched this into my zelle sent off the XXXX. next day i am contacted again asking to send the next round of money, sent picture of error message then they sent request to send to a different emailphone. At this point I stopped and called XXXX and spoke with him. It was determined that his mail server got hacked and they were trying to spoof payments. I stopped any other sending and contacted both XXXX XXXX XXXX and Zelle support this was done via the banks Zelle setup. But unfortunately they are saying there is no way to pull the money back even though they marked the account as being scam.
Product: Credit reporting or other personal consumer reports

CFPB, FTC, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Data Furnishing Company is reporting inaccurate information to Equifax Credit Bureau.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide the names and business addresses of everyone you checked the information with so I may follow up.

The date on which you contacted each information source. 
the method of communication used to verify the information. 
I also want to know if the furnisher provided you with my SSN, address, or date of birth. 

Once you have completed your investigation and made the necessary corrections, kindly provide me an updated credit report.
Product: Credit reporting or other personal consumer reports

I have had this credit card with XXXX  XXXX for over three years. I havent used it in almost year since it has been paid off. I have never been late on any credit card payments or other payments whatsoever. My account locked me out, and I havent used the card so I wasnt able to see any statements that were coming to me. I was not receiving any e-statements or paper statements in the mail. I also did not receive a notice about an annual fee or late charge like I have in the past. Or even last year when I had to pay it. My credit score for the last year about has been over XXXX. I have worked tremendously hard to get that score that high. And credit one charged a late fee on annual fee, on a card that has not been used in 1+ years. And then I never got a notice about the late fee or the annual fee being due. I then received another late fee, and again was not notified. I then opened my credit report on Experian and my score dropped XXXX points for one late fee, that was from an annual fee. Like I said I have never had any derogatory marks or late fees on my credit report. O was pretty upset that the situation couldve been easily handled if I had known about the issue. And I feel like XXXX points being dropped is absolutely ridiculous for someone who has had impeccable credit and credit history. I then called XXXX  XXXX and they reversed the late payments and said it should reflect on my credit report that they have been credited back and that it was mistake and there were no late payments. I then went to pay the annual fee so this issue could be solved. I contacted Experian and XXXX  XXXX many times, they both explained it should be adjusted. I disputed it many times with Experian as well. I then opened my credit report today had my score dropped another XXXX points because the XXXX  XXXX balance was paid off and lowered my overall credit usage amount. I have never had an issue like this before, and extremely upset that it has taken a turn like this. Now Experian is staying it should be positively reflected by XXXX. I am just very upset that no one is helping me fix an issue that XXXX  XXXX caused the error on. I really need help fixing this.
Product: Mortgage

I wrote a letter in XX/XX/2018 to Ditech requesting a modification of my mortgage for a few months. In XX/XX/2018 I was approved for interest only payments which I paid. In XXXX I was told that Ditech reversed their decision. I tried calling several times to find out about this change in the decision and asked to speak with a manager. Instead I was only referred to customer service reps. The company provided no last names of employees and has no voicemails. In addition, are these customer service reps qualified to make decisions on these important matters? I then received a refinance package that I did not request. This would would allow Ditech to charge additional fees. I believe this company is a predatory lender. I reported this to the South Dakota Dept. of Labor and Regulation/division of banking. They forwarded my complaint to Ditech but I have heard nothing to date about this matter. I have had my house on the market since XX/XX/2018. My current tenants have not paid rent and I need time to vett new tenants, hence the request for a modification for a few months. Refinancing is not appropriate for me at present but this is the only option that was offered so that more fees can be collected.
Product: Vehicle loan or lease

My loan on my XXXX XXXX XXXX is through capital one auto finance. When I purchased my car from XXXX XXXX, XXXX MD XX/XX/XXXX I also had gap protection purchased. My car was hit and totaled in XX/XX/XXXX. I received payout for what the insurance was giving me, but I still havent received a check/ credit for the remainder on my loan and I am still paying payments on my auto loan for a car I am not driving. I already spoke with the dealer, capital one, and the third party company whom the gap protection was with XXXX XXXX XXXX XXXX. I am doing everything I can to find an answer and get a run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 Late 30 Days I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

The following accounts have never been late. Please check the documents as there should have been no late payment remarks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending myh CFPB complaint today and This is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove those items which are frauds from my personal credit file : XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX Balance : {$6900.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX , AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX Balance : {$6900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2100.00} ; XXXX XX/XX/XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2100.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It's been well over 30 days and I haven't received any investigation result.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under XXXX XXXX XXXX XXXX { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX XXXX XXXX XXXX [ XXXX ] XXXX of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ XXXX ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2021 I was notified that an account that I had been actively paying on time had been charged off without reason. I have contacted Bank of America regarding this matter and was told my credit limit had been decreased due to my credit score change so my remaining balance was due immediately. I was told I was not allowed to continue making my monthly installment payments due to the change. My account shows that {$4200.00} was charged off on my account. This is the original debt amount. I only owe {$310.00} according to the representative I spoke with.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account Name : XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX, Account Name : XXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
. XXXX XXXX XXXX XXXX Balance {$10000.00} Open Date XX/XX/2023 I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it. I AM A VICTIM OF IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is this account that does not belong to me and ai want it to be remove from my credit report. 

1. Identity Theft TD BANK USA/TARGETCRED Account Number : XXXX This is not mine.
Product: Checking or savings account

In XX/XX/XXXX, I received in the mail literature from Wells Fargo outlining a promotion to receive {$400.00} for opening a new checking account with direct deposits totaling {$1000.00} within the first month. The promotion was to be applied within four months. 

XX/XX/XXXX, I entered a local branch to open a new checking account in order to receive the promotion. A banker facilitated the opening of the new account and verbally confirmed I qualify to receive the promotion due to the bi-weekly direct deposits I scheduled for my paycheck. The banker informed me I could avoid service fees by opening an accompanying savings account to the checking account ; so I followed the banker 's advice. 

XX/XX/XXXX I called Wells Fargo Customer Service because I had noticed a recurring service fee for the savings account opened XX/XX/XXXX and still had not received the {$400.00} promotion. During this phone call I received a reference number regarding the {$400.00} promotion and a complaint number regarding the service fees. 

I received a reversal of the service fees XX/XX/XXXX. I was told to follow up regarding the {$400.00} promotion if I had not heard in 10 business days. 

After the phone calls on XX/XX/XXXX, that same day I received digital communication via a secure inbox regarding the service fees. 

XX/XX/XXXX I received digital communication via secure inbox that the concern regarding the service fees was closed. I agree to this outcome. Meanwhile, I had not heard back regarding the {$400.00} promotion, so XX/XX/XXXX, I called customer service and provided the reference number for the promotion. 

The representative told me the reference number did not exist. After explaining the situation again, the representative did more research and discovered the case was closed. I was never informed of this " case closure ''. I do not agree with this outcome due to the fact I followed the advice of a banker in order to to receive the promotion. Knowing Wells Fargo has closed this complaint, it is clear the banker provided misinformation to me in order to persuade me to open an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 XX/XX/2022
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am reporting a fraudulent inquiries in my credit report
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting the agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a victim of a Data Breach/ Identity Theft. I also contacted the Federal Trade Commission and filed an FTC Report which is attached. I DEMANDED to please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be updated as agreed on this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be updated as agreed on this payment history. Else, DELETE this account immediately! 

XXXX  XXXX XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be updated as agreed on this payment history. Else, DELETE this account immediately!
Product: Mortgage

I am refinancing my mortgage with a new lender. The current mortgage company ( Freedom Mortgage ) has refused to provide a payoff. The closing company has requested it ( XX/XX/XXXX - using the documents I signed as part of the process ), and I have personally requested it twice ( XX/XX/XXXX & XX/XX/XXXX ). They are now holding up my mortgage process and I am at risk of losing my preferential new rate. I believe they are holding up because they do not want to lose a {$380000.00} loan at 4 %, when new rates are much lower ( my new rate is quoted at 2.64 % APR ).
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/year> USAA XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Clarification on Consumer Credit Transaction Pursuant to 15 U.S.C. 1679a Dear USAA, I am writing to request clarification and a complete understanding of the nature of my promissory note issued by USAA, which explicitly states, This is a consumer credit transaction directly above the Truth in Lending disclosures. A copy of the promissory note is attached for your reference. 

Over the past several weeks, I have consulted with multiple professionals, including car dealers, loan officers, two legal advisors, and a current USAA employee. All of them unanimously agree that if the promissory note explicitly designates the agreement as a consumer credit transaction, then it is reasonable to conclude it falls under the definition set forth in 15 U.S.C. 1679a. 

Given the clear language in the promissory note and the feedback I have received, I see no ambiguity regarding its classification. However, I am seeking an unequivocal confirmation from USAA : 1. Does USAA consider this promissory note a consumer credit transaction as defined by the applicable federal statute?

2. If not, please provide a detailed explanation as to why it would not qualify as such under 15 U.S.C. 1679a, despite the explicit language in the promissory note. 

This clarification is essential for my records and for ensuring that all parties are operating under the same understanding of the agreement. 

I look forward to your response and trust that USAA will provide a timely and comprehensive explanation. Please do not hesitate to reach out to me directly at XXXX, if you require additional information. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I was paid for a service that I had provided. I was told the first half would be paid up front and the rest when the job was completed totaling {$14000.00}. I received the first half ( {$7200.00} ) and started paying people that helped me. When the second half was supposed to have came, Zelle canceled my account and withdrew the rest of the amount from my savings account. The people who helped me still havent been paid. They say it was fraud, but I didnt do anything wrong. I feel as if Zelle knows as well because they have given me my account back.
Product: Credit card or prepaid card

This is the second time this issue has happened, and I have made multiple calls and sent 2 messages to the creditor to have it resolved and they still have not. I am in a promotional period until 2020. My  payment is {$84.00} until then. I had an instance where I tried to setup autopay and it failed to work. This has resulted in multiple late fees and my promotional payment increasing to XXXX $ which is putting the account more and more negative by the day. They are not helping in any way and it 's just going to continue to get worse if they do n't fix it. My fees need to be removed, due to their system problems, and the payment must be reduced back to the {$84.00} that it has been and should be until 2020. I am  continuing to pay the {$84.00}, which it is supposed to be, but since it isnt the {$110.00} they are trying to charge me, it incurs a late fee each time. Their system and customer service is awful and they are charging money fraudulently. Please have them fix this! 

Thanks