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

to whom it may concern : I recently received a copy of my credit report I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I don't Believe the XXXX to be accurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I also noticed you are reporting multiple late payments on my credit history. I don't believe these to be accurate. Please check your records and verify the accuracy of each late payment being reported by your company
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against your organization for repeated failures to remove fraudulent items from my credit report. Despite my continued efforts to rectify this situation, these inaccuracies persist, causing severe financial distress and affecting my creditworthiness.

I have previously reported these fraudulent items to your agency and provided detailed documentation proving their inaccuracy. These fraudulent accounts and activities were not initiated or authorized by me, and I have taken every necessary step to dispute and resolve this issue. However, your organization 's repeated failure to correct my credit report is causing significant harm.

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies like yours are responsible for ensuring the accuracy of the information contained in credit reports. The FCRA also requires timely investigations and corrections when inaccuracies are identified.

Despite my previous correspondence and attempts to resolve this matter, I continue to suffer the following consequences due to these fraudulent items on my credit report : Difficulty obtaining credit, loans, or financing. 
Higher interest rates on existing loans and credit accounts. 
Financial stress and harm to my creditworthiness. 
I formally request that you take immediate action to investigate these fraudulent items and verify their inaccuracy. If you find that these items are indeed fraudulent or inaccurate, I insist on the following actions : Removal of all fraudulent items from my credit report. 
Correction of my credit report to accurately reflect my financial history and creditworthiness. 
Provide written confirmation of the removal and any updates made to my credit report. I am attaching copies of all previously submitted documentation, including proof of fraud, dispute correspondence, and any other relevant materials. This information should assist in your investigation and prompt resolution of this issue. Please assist me to remove these fraudulent 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 {$0.00} 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 {$0.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report information have been disclosed without my written permission and without permissible cause. I will be moving forward with a law suit in the New York United Staes court.
Product: Credit reporting or other personal consumer reports

This item/information identified in the attached document ( XXXX  ) is a result of Severe forms of Trafficking in Persons. I Request for the Blocking of this Adverse Information as defined under section 605C of the Fair Credit Reporting Act ( FCRA ) See Attachment for Required Documentation required by 605C FCRA guidelines.
Product: Credit card or prepaid card

I recieved a notice from one of my credit card companys that a new credit card was opened in my name on XX/XX/22. I never opened a new card in my name. I went on experience and found a Barclays Bank credit card was opened in my name. I did not open this.. 
The address used for the card was for XXXX XXXXXXXX  which I have never lived in or used as a mailing address. This is fraud. I called barclays and they said they would shut the card off and investigate. I called XXXX and they said the same that they would investigate. I opened multiple disputes and the keep claiming that it is accurate. It is not accurate. It is fraud. I filed a police report with XXXXXXXX XXXX XXXX XXXX  on XX/XX/22 after two more accounts opened up on my credit report from a XXXX XXXXXXXX and XXXXXXXX XXXX consolidated on XX/XX/22. I called both of these companies and the cards were canceled. Barclays card has not been canceled after multiple dispute complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) To Whom It May Concern : I am submitting this FTC Identity Theft Affidavit to report fraudulent activity that has affected my FICO credit report. This activity includes unauthorized accounts and fraudulent collections resulting from identity theft and fraud. I demand that these fraudulent items be removed from all of my credit reports and that any collection activity related to these items cease immediately, pursuant to my rights under FCRA 605 ( b ), 15 U.S.C. 1681c-2, and applicable provisions of the FDCPA. FTC Report Number : XXXX, Wiht date XX/XX/year> I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 and FCRA 605 ( b ) 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 Account # XXXX Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/19, I heard about a new credit card through a co-worker of mine. He referred to the card as the " Hilton Diamond '' card, a credit card that would instantly earn me Diamond status with XXXX XXXX XXXX. I was currently staying at a XXXX XXXX XXXX, so this sounded like a great idea. 
On XX/XX/19 at XXXX XXXX ( HST ), I called American Express about this card and spoke to XXXX ( XXXX? ) about opening this card. I already had the " Hilton Gold '' credit card, so I inquired about any bonus offers for upgrading to the " Hilton Diamond '' card. She informed me that I would receive 150,000 bonus points if I spent {$4000.00} in the first 3 months of having the card. I also asked a few other questions related to the logistics of upgrading the card ( credit check, activation, card fees, etc. ).

After I upgraded, I made sure to spend the {$4000.00} that would be required to get the bonus, but after several weeks, I had not seen an increase in my Hilton points balance. 
I then made a phone call to American Express asking when I would be receiving the bonus that I was promised, and the representative informed me that there was no offer loaded onto my account and that the issue would have to be escalated for resolution. 
After several days, I called back to check on the status of that escalation and was informed that they listened to the call made back on XX/XX/19, and that it was determined that no such offer was made. I asked the representative what other steps I could take since I was 100 % confident that my original statement was valid, but they told me that there was nothing they could do besides another case escalation. 
Once again, after several days, I called American Express and was informed that my case had been reviewed again and that no such offer was made. They also said that there was nothing else I could do. 
I am very confident that the original representative offered me 150,000 bonus points. I made sure to spend over {$4000.00} on my credit card in the 3 months following my phone call, but I have yet to receive the promised points. Please see the attached notes that I took during the phone call on XX/XX/19.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXXXXXX Balance Owed : {$100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$510.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to contact XXXX by phone but it is next to impossible. They've set their phone tree up so they keep referring to their website. I keep explaining and then they reject the reason and won't let me complain after XXXX time. 

They partner will credit companies and I get barraged by emails, letters, phone calls so XXXX can profit from my situation. 

Here are the facts, and what I sent them today. Please help. 

Dear Sir or Madam : I'd like to request a Good Will adjustment to my XXXX discharged loan for the following reasons : XXXX. I took out the loan in XXXX for {$15000.00} while completing a second masters and was told it would be forgiven if I taught in a low-income school. 

XXXX. After I took out the loan, and completed the teaching years they rejected the forgiveness. 

XXXX. I've had deferments and forbearances until XX/XX/XXXX. 

XXXX. I've never made XXXX single payment on the loan. 

XXXX. You say that I didn't have a forbearance in XXXX. 

XXXX. I did fill out the applications for that. 

XXXX. I am XXXX and have XXXX XXXX that would qualify. 

XXXX. I am XXXX. 

XXXX. I'd like to get a car so I don't have to ride a bike for groceries or the hospital. 

XXXX. Please consider this. If this doesn't qualify for the Good Will then nothing else could possibly qualify. 

XXXX. I will request this every day for the rest of my few years left. 

XXXX. I'm not sure about how the loan was transferred or bought out but there must've been a time that I didn't make a payment and the 7 year rule would've applied. I'd like you to research it from XXXX to show me the proof against my dispute. 

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

My Equifax information has been breached, here is the proof. They refuse to delete these accounts, so please delete these from my credit reports immediately. As I was a victim of this data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount # XXXX XXXX  *Account XXXX XXXX XXXX XXXX XXXX XXXX *Account # XXXX XXXX XXXX XXXX XXXX XXXXAccount XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am so confused about your credit bureaus investigation on the accounts, that I am again writing this letter to dispute the fraudulent accounts on my credit report. As you have known, I have submitted the required FTC report I filed on Federal Trade Commission regarding the fraudulent accounts on my reoprt and upon submission, XXXX and XXXX removed the said accounts on their records.I also contacted the companies associated with these accounts and they said they have removed the accounts, so my question is : why are the accounts still reporting on your bureau? 
It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent accounts, you are not fulfilling this obligation and are exposing me to further harm. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit card

I applied to Bank of America to access my unlimited credit and was discriminated and denied in violation of the FCRA and the EOCA ( see attached letter and enclosures ). Credit is my right not a privilege.
Product: Checking or savings account

I went to US Bank at XXXX XXXX XXXX in XXXX, AZ, today and I tried to close two accounts that my deceased father had there. I am the heir and presented a US Bank statement with the account numbers and a death certificate both from 2009. I was told that they did not have a record of those accounts but that his social security number was in their computer. I was told that they could not help me and made an appointment with the manager for next week.
Product: Debt collection

On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  I send debt validation letter to Congress Collection they were given 30 days no one responded all effort were ignored, however one of the accounts were deleted from my credit report. Secondly these debts originate from a XXXX XXXX XXXX bill that the statue of limitation of 7 years has surpassed by years. They have changed the account numbers and sold them to a third party debt collector the originate from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX from my taxes deposited into my chime account. A person me and my XXXX old daughter was staying with at the time found out how much money I had and she called some girls over and XXXX  me and my daughter. Taking our phones and all of our clothing, purses, social security cards, my driver 's license, birth certificates and car keys and everything that we owned on XX/XX/XXXX. Using the XXXX they stole from me to make purchases that were unauthorized sending themselves XXXX XXXX XXXX XXXX XXXX XXXX XXXX as well. Changed my email passwords, my XXXX XXXX XXXX XXXX XXXX XXXX XXXX and ect. I was locked out of my XXXX account I had to wait over XXXX until XXXX verified that I was the actual person owner to the account to gain access to my XXXX account again. Chime let these people change my email address with someone else selfie covering the picture on the driver 's license card that I emailed them telling them that I no longer had. I emailed chime letting them know that I now had a identification card and no longer had a driver license card. I sent in a selfie with the picture of the recipient of the I dentification card. They still allowed the fraudulent selfie with the covered up picture access my account and steal all of my funds out of my account. The also let the person that is blocked on my chime account send herself 2 {$5000.00} checks that I managed to catch and cancel before they were cashed. They let them on XX/XX/XXXX make XXXX charges all at the same and within minutes apart make numerous charges. I disputed these transactions and the said it was a split decision refunded me all the small amounts. The even refunded me a transactions that wasn't supposed to be on the there from XXXX. I contacted XXXX  and went through the information and I was told that chime shouldn't have let the people get any cash out of my account because my account was compromised. I've been contacting chime every other day since it's happened. Me and my daught has been homeless and sleeping in our truck. Chime refuses to look at my evidence I even sent in a police complaint and everything. Please help.
Product: Bank account or service

on or about XXXX XXXX of 2015 at the bank of America location located at XXXX XXXX XXXX XXXX new York XXXX the financial centers operation manager, XXXX XXXX XXXX XXXX XXXX profile me and denied me the right of engaging in legal banking business, by denying me the right and the ability of depositing XXXX money orders on behalf of a bank of America customer ( XXXX XXXX XXXX XXXX XXXX stated that I made him uncomfortable with excepting the money orders. 
I travelled to another bank of America location, in whereas they excepted the money orders and placed them for deposit.
Product: Mortgage

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Loan Number : XXXX XX/XX/XXXX Shellpoint Mortgage Servicing XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Sir/Madam, Subject : Dispute of Charge and Request for Refund I am writing to you as the borrower of loan number XXXX to formally dispute an improper charge and request a refund. 
On XX/XX/XXXX, your company imposed a charge of {$440.00} described as " Lawyer Fees Charge. '' This expense was paid by me on XX/XX/XXXX. However, I have no record that this charge is valid or was requested by me according to the terms and conditions of my contract. 
Since the payment was made, I have requested clarification regarding this charge, and to date, I have not received a satisfactory response. The only information I have received is that the matter is under investigation. This delay of over four months without a concrete resolution is unacceptable and does not comply with regulations set by the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX, which govern mortgage servicing and borrower rights. 
Additionally, I am providing proof of the charge, which indicates that it was imposed by your company as " Lawyer Cost Assets '' in an account analysis dated XX/XX/XXXX. This charge of {$440.00} was improperly assessed and included in my account. 
According to applicable law, charges imposed on a borrower must be clearly specified and authorized in the loan contract. In this case, there is no mention in my contract indicating that I am responsible for attorney fees or any similar expenses incurred by your company for managing the loan or the associated property. 
Therefore, I request : 1. Immediate refund of {$440.00} that was improperly charged to my account.

2. A detailed explanation of the nature of this charge and the legal basis for its imposition.

I will be compelled to file a formal complaint with the CFPB and other relevant regulatory authorities. 
Thank you for your prompt attention to this matter. I look forward to a swift and satisfactory resolution. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These debt collectors engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I! m entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Mortgage

The company Essex mortgage has transferred my loan multiple times within the small timeframe and before now it hasnt been an issue. Now they transferred it and I didnt have a clue about it until I went to go and pay it. Now theyve moved things on to a new site where I cant even create a new account or use my existing one. I tried to create one and the site claims Im waiting on a verification. What ever that means, Ive been waiting forever it feels like now. I feel stuck and helpless being that after all the calls Ive tried and emails Ive sent Ive gotten no help or advice. This has been going on for about a week now
Product: Debt collection

Midland Credit has been reporting this Collection Debt on my XXXX Report through XXXX XXXX, XXXX  and XXXX for an amount of {$5800.00}. The XXXX XXXX is XXXX XXXX XXXX. When I was last contacted by XXXX XXXX XXXX  my balance was about {$2400.00} XXXX not sure the exact amount but not more than {$2500.00} XXXX. 

Midland Credit is reporting that I owe {$5800.00}. This is incorrect. In my efforts to get them to accept a settlement for the amount I owed the original creditor, they continue to refuse to accept this amount. Additionally, on my FICO report, the show XXXX XXXXXXXX XXXX  as the Original Creditor when reporting to XXXX XXXX and XXXX  ; however, they put themselves as the Original Creditor on my XXXX. Not sure why they are claiming to be the Original Creditor but that is not true, nor accurate information. THIS IS HARMING ME AND MY FAMILY BY WAY OF LOWERING MY CREDIT SCORE. 

Creditors are not allowed to report incorrect information ; yet, Midland has been doing it for months ' on my credit report.
Product: Debt collection

After an over a year intermittent communication between Allied Business Services and myself, the agency finally decided to agree on writing that they will cease and desist the collection of the alleged debt and that they will communicate to all the credit bureaus to request the removal of derogatory marks on my credit report. 

During the resolution and communicating process with XXXX, the agency wrongfully involved the Law Office of XXXX XXXX XXXX into plugin legal actions against myself, even when they were looking to collect on a debt that had already been taken care of. I communicated and identified myself with the law office, but they refuse to acknowledge my communication and didn't reply. 

I have continued to make attempts to contact XXXX, but no response has been received on their part. Now my credit report still reflecting their negative marks and continues to manage my creditworthiness due to this agency 's negligence to perform their duties is the fairest way possible.