23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

There is an amount of {$630.00} on my XXXX that shows on my credit report that i think is a mistake, it does not show on my XXXX report, i am not sure but it could be a XXXX bill that my insurance probably paid late but it was PAID. If it is, how do i dispute it or make it disappear from my report, there is no phone number for me to contact the collection agency or so. Thank you
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX Account XXXX : XXXX
Product: Mortgage

I received in the mail from my mortgage company Citizens One Home Loans, a document stating that I owe {$2300.00} on Escrow. My loan is set up for me to pay my own taxes. I paid my summer taxes on time, but I did n't pay the winter taxes until after they where due. When I realized it I paid them as well. I send them a copy via fax, proof of payment, with the loan number, and the parcel numbers on them. Now I have received from them on XX/XX/XXXX a new letter stating that, I will have to pay and additional {$190.00}, because they have not gotten proof, of payment of my XX/XX/XXXX taxes, which was sent XX/XX/XXXX. They are now saying that I need to pay the additional payment until they can research the information, and the next payment must include the additional {$190.00}, on my account will reflect partial payment and it will be reported to the credit burial. 
Thank you XXXX
Product: Vehicle loan or lease

We paid off a lease of a XXXX  XXXX XXXX leased with GM Financial when we initiated a second lease of the same vehicle with a newer model. We received paperwork at the time that indicated the previous lease had been paid off. In addition, as an existing GM Financial customer, I never received any emails, alerts, etc., even though their digital terms and conditions state they will send emails, text messages, and other communications I had opted into regarding ALL of my accounts. Unfortunately, I had removed the old account from my profile because I assumed it was old and already taken care of given I put more than {$6000.00} cash down on my new lease. 

My credit score was in the high 700s until this false claim hit my credit report this week -- sending it down more than 80 points according to XXXX. Any attempts to contact GM Financial have resulted in ridiculously long hold times followed with disconnection, or reaching a representative only to be given a different contact number. This issue on my credit score is over a paltry {$280.00}. How ridiculous! I will never lease with them again.
Product: Credit card

Ive maintained an Ulta rewards credit card for several years. I have kept this card active paid its monthly balance without issue. I recently received an abrupt cancellation notice from COMENITY, who maintains the lines of credit for Ulta.

The generic letter I received from Ulta also miss reported my credit score it did not specify if this abrupt account closure will affect my credit history.

ultimately, I realize I do not make money for Ulta because I utilized my card, but always paid the balance in full, I make them no interest or late fees. I would advise consumers to avoid this line of credit from this company, or similar lines of credit from other stores.
Product: Debt collection

Discover Personal Loans have called me multiple times before XXXX and after XXXX. They are calling me from XXXX and have been calling for over a month. I have been called at my home and work on multiple occasions to the point that it is extremely frequent and repeated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I mailed a letter to XXXX, Transunion, XXXX stating the below actions that needs to be taken and i did not receive a reply. 

To someone who can assist me. I am deeply disturbed about the erroneous things that i see on my credit report. These accounts are unverifiable, invalidated, inaccurate and questionable. These items must be removed if the information being reported is not 100 % accurate. Please find out why these inaccurate information is being reported on my credit report and find out who the inaccurate information belongs to. Can you correct this wrong doing immediately. It is my understanding that you will do an investigation immediately. I am requesting a new credit report that reflects the updated changes. You must complete this investigation within 30 days of receipt of this letter. According to law, unverifiable inaccurate accounts must be removed and if unable to provide me a copy of verifiable proof within 15 days after investigation, you must remove the accounts and or the information listed below. 

1. Under The Fair Credit Reporting Act This Disputed Item May Not Appear On My Credit Report If It Can not Be Supported By Any Documents/Evidence. 

XXXX Case Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

On complaint number XXXX, I observed that Equifax 's resolution of my account balance dispute resulted in reverting XXXX of my XXXX XXXX tradelines to their previous incorrect balances. I have fully paid off all my credit card balances, which are accurately reflected by XXXX and XXXX. However, Equifax reverted the balances on XXXX accounts, causing a drop of over XXXX points in my credit score. This significant decline is especially concerning as I am in the process of building a home and can not afford such drastic fluctuations in my credit score. On XX/XX/year>, I initiated an online dispute with Equifax and uploaded my current account statements. Despite this, the balances remain incorrect.
Product: Credit reporting or other personal consumer reports

I have had an ongoing issue with XXXX XXXX, long story short they sent me and the person that cosign for a repossession letter and then the next day they denied sending it, then they said that they sent it on accident yet the person I cosign for said that they did Repo the vehicle, and I had a tracker in the vehicle. It was tracked next to the auction yard, I found a police report, the bank refused to take the vehicle, it was released to the tow yard with the Banks permission, the tow yard got some type of a lien on the vehicle and they were able to get the title and the tow yard then turned around and sold the vehicle yet XXXX years XXXX XXXX has been reporting on my credit and the person that cosign for that weve been behind on payments on this vehicle and that we owe them XXXX dollars and they say that theyre willing to settle the account for {$3200.00} yet they allowed this tow company to get the title for the vehicle and sell it and the tow company got full profit of the money. XXXX XXXX needs to remove this off of my CREDIT and the person I co-signed for XXXX XXXX XXXX XXXX. If XXXX XXXX wanted the money so bad for the vehicle, they should have demanded the money from the tow company instead of putting an accurate information on my credit report for the last couple years, if anything they should owe me money for plummeting my credit score for the last few years by an accurately reporting on my credit bureau, and I have also put in a few disputes on this account with supporting documentation, actually quite a few pieces of supporting documentation and it has remained on my credit because the bank is claiming that its verified. The credit bureau needs to be sued and this finance company needs to be sued along with they need to remove it off of my credit immediately Because again they sent me a repossession letter and then tried to switch up and say that they didnt repossess the car and when I tracked the vehicle, I made the police report because there was damage done to the vehicle and the bank refuse to want anything to do with the car and then they are allowed to tow company to get their own title on it and they allowed them to sell the vehicle so if they wanted the money so bad they should have not refuse the vehicle or they should have demanded that after the tow company sold the car that they give them money for it and XXXX XXXX chose not to do that. This should no longer be my problem and it should no longer be negatively affecting me.
Product: Mortgage

Chase bank and its attorneys are involved in a mortgage Origination fraud scheme that used XXXX different Chase office locations to illegally take possession of Borrowers property after recording FAKE mortgage documents and claiming that the XXXX signed the Fake documents in multiple State and Federal Courts. 

The mortgage stamped do Hereby Certify this to be a True and Original Copy of the Original has one Property identification number. ( XXXX XXXX. ) The Chase XXXX - Private Client Services, that prepared the Original Mortgage is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The Fake mortgage recorded by Chase has a XXXX XXXX XXXX with XXXX handwritten on the recorded Fake mortgage. 

The Chase XXXX that recorded the Fake mortgage is JPMorgan Chase Bank, XXXX, JPMorgan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX XXXX, 2016 I received an alert from XXXX stating that a new collection account was added to all XXXX of my credit bureau credit reports. I saw the name of the collection agency and I never received anything from stating that they were collecting anything. And also they are collecting for XXXX and I never had XXXX. If they would have communicated with me I would have been able to dispute the collection and send them the police reports and FTC affidavit. I have been victim of identity theft and this is another account that is part of it. I have attached my police report and FTC affidavit which includes Convergent Outsourcing
Product: Vehicle loan or lease

Synchrony Bank - XXXX My Account # XXXX Amount Paid {$7100.00} XX/XX/2024 - Buyer of Trailer and I were advised by XXXX, XXXX, or XXXX in Synchrony Customer Service that by wiring the {$7100.00} payoff amount, I could call back to receive a receipt of payoff via fax within 3 days of the wire. Their calls are recorded for training purposes, and for proof that we were advised accordingly. 

XX/XX/2024 - When I called back to request the fax, first, the automated system said " Congratulations, your loan has been paid off '', then their phone system only gave me the option of disconnecting from the call. When I called back, and was able to bypass the phone system, I was advised by XXXX, Manager of Payments, that we had to wait 10 days, and then the proof of payment info could only be sent via US Mail, which could take another several days after that. This call was also recorded. XXXX wasn't sure why the other agents advised me that I could receive the receipt of payment via fax, but absolutely refused to work with me in any way. The last customer service agent that I spoke with ( on a recorded call ) was very surprised that this department within Synchrony Bank didn't at least have e-services available, so I could login to access a copy of my payment history, since it is now 2024. 

This misrepresentation by Synchrony Bank is costing myself and they buyer several days, and they buyer is waiting to take possession of the trailer, which can't be completed until I am paid the remainder of the cash from the sale, which can't be completed until payment receipt has been received in writing via fax to me. We are willing to accept an informal document so we can proceed with this sale.
Product: Debt collection

On XX/XX/2022 I was made aware of a delinquent account showing with XXXX XXXX XXXX. I received the contact information to pursue the account and made contact with the creditor, Bank of America to obtain information that was being reported. Bank of America simply stated that I had a balance of {$120.00} but did not divulge what it was for. I explained that I currently am not working and asked for a settlement and they denied me. I asked for proof and the information obtained was incorrect that they had on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : MN CHILD SUPPORT ENF DEPT OF ED/XXXX  MN CHILD SUP DEPTEDXXXX   XXXX XXXX XXXX XXXX  XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : MN CHILD SUPPORT ENF DEPT OF ED/XXXX  MN CHILD SUP DEPTEDXXXX TransUnion LLC XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : MN CHILD SUPPORT ENF DEPT OF ED/XXXX  MN CHILD SUP DEPTEDXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The hard inquiries that were authorized by me with my consent are XXXX XXXX XXXX XX/XX/2019 and XXXX  XXXX XX/XX/XXXX and XX/XX/2019. All other hard inquiries were observed on my credit report recently and was not authorized by me and without my consent. These inquiries are listed below. 1 ) XXXX- XX/XX/2019, XXXX  XXXXXX/XX/2019, XXXX- XXXX XXXX, 2019, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 2019. Also see a previous consumer dispute sent on XX/XX/2019 in reference to XXXX XXXX technical issue that was pulled my credit report back to back many times after one credit application. Which they admitted to the issue and tried to resolve it. The hard inquiries still havent be removed associated with it. All 7 hard inquiries were done without my consent and was reported to thier security department and fraud team. The only hard inquiry that was authorized by me from XXXX XXXX was done on XXXX XXXX, 2019. All other inquiries were not authorized and their was a glitch and security issue that created multiple credit pulls which resulted in back to back credit pulls from this company. Several tickets were sent for the error to be fixed and the account was notated by several managers.
Product: Debt collection

Dear States Attorney, I 've taken during the past 60 days, to date SANTANDER has not resolved my issue. Can you please support me in resolving this matter as I have followed all the necessary steps in disputing provided to me by the Federal Trade Commission, and the CFPB but have not been successful. Should you need any other information, please let me know. 

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

Please remove these items from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$2100.00} 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 {$400.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX i submitted a dispute on inaccurate information on my credit. 
XX/XX/XXXX- Experian came back saying they do not recognize me. 
XX/XX/XXXX- I sent back my information, DL, Passport, License agreement, light bill everything that identifies me along with the same disputes. 
XX/XX/XXXX - They fix 1 out of 10 items. I sent back another disputes with the same information same identification. 
XXXX Came back saying they do not recognize me. 
XX/XX/XXXX - I sent another information XX/XX/XXXX- Came back saying they do not recognize me and will not pursue and investigation.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The XXXX XXXX XXXX which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and XXXX XXXX with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Debt collection

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 XXXX XXXX debt bondage, which falls under trafficking according to XXXX-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 informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

In XX/XX/XXXX, I booked an XXXX  stay that clearly listed XXXX XXXX as an included amenity. Shortly after checking in on XX/XX/XXXX, the host informed me that the washer was broken and later claimed that laundry was never included, directly contradicting the listing at the time of booking. 

On XX/XX/XXXX, I contacted XXXX XXXX. A representative confirmed that the washer was listed as an amenity when I booked, and that the host removed it from the listing after my reservation was confirmed. I have screenshots documenting this exchange. 

Despite this, XXXX offered only a {$200.00} courtesy refund, which did not meaningfully address the misrepresentation or the failure to provide a key advertised amenity. 

The total cost of the XXXX  stay was paid in two installments : XX/XX/XXXX : Initial payment to secure the reservation XX/XX/XXXX : Second payment of {$1000.00}, processed just days before the misrepresentation came to light I am disputing the XX/XX/XXXX payment, made after the booking was fully committed and once it became clear that XXXX would not honor the amenities originally advertised. 

I submitted a debit card dispute to USAA, providing complete documentation. However, on XX/XX/XXXX, USAA denied the dispute, citing XXXX 's partial refund. That refund, however, was offered as a goodwill gesture, not as a resolution of the issue, and it did not reflect the actual financial loss resulting from the misrepresented service. 

I also submitted a dispute to XXXX, which financed the same XXXX booking. XXXX conducted a review and ruled in my favor, recognizing the listing was deceptive and that XXXX failed to deliver what was promised. 

I am asking the Consumer Financial Protection Bureau ( CFPB ) to review USAAs handling of this dispute. USAA failed to properly consider the evidence, dismissed my complaint based on a partial refund, and ignored the fact that another financial institution sided with me based on the same facts. 

This case involves XXXX 's deceptive business practices and USAAs failure to fulfill its obligations to me as a consumer under the Electronic Fund Transfer Act ( Regulation E ). 

I am seeking a full refund of the XX/XX/XXXX payment totaling {$1000.00}.
Product: Mortgage

I have been making additional principal payments on my mortgage. I send XXXX separate checks each month, because I do n't trust them. I noticed on my statement that instead of crediting me {$300.00}, they credited {$290.00}. I called them and asked about it. They noticed it on the previous month as well. They refused to accept copies of bank statements and insisted that I go to my bank and get check copies, front and back. I am sure they hoped I would just drop it. I am sure they are during this to many, if not all of their customers, which could total into XXXX dollars over time, which is why I am continuing to pursue this.