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

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  XXXX ) XXXX Balance : {$130.00} XXXX  XXXX Balance : {$4300.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX  XXXX Balance : {$1200.00} XXXX  XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$120.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$500.00} XXXX  XXXX XXXX Balance : {$370.00} XXXX XXXX XX/XX/XXXX XXXX WA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : {$16000.00} XXXX XXXX XXXX  XXXX Balance : {$680.00}.
Product: Credit reporting or other personal consumer reports

Please remove inaccurate account from my credit. 

Transunion Credit Reporting Agency XXXX XXXX XXXX ( Original Creditor XXXXXXXX XXXX XXXX XXXX  ) XX/XX/2020 Account XXXX {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I have been approved to volunteer at my local airport, but they do require a background check that I am willing to consent to. However, the company that they use known as Sterlingcheck.com has been unable to help me with my concerns.

Before going through with the background check, I would like to obtain a free copy of my report in order to ensure that it is accurate. I have a legitimate concern that there may be potentially adverse information in my report and I would like to dispute it and have it removed. But they don't seem to be understanding my concerns and tell me they can't help me unless I follow through with the background check FIRST. They've also said to contact other companies in order to obtain my background information. 

Please help. Thank you very much.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I obtained a copy of my credit report from TRANSUNION and noticed multiple unauthorized inquiries as follow : Inquiry Date : XX/XX/year> Company Name : XXXX XXXXXXXX Inquiry Date : XX/XX/year> Company Name : XXXX XXXXXXXXXXXX XXXX XXXX Inquiry Date : XX/XX/year> Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/year> Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/year> Company Name : XXXX XXXX I did not apply for credit or authorize these inquiries, and I am concerned that this may be a result of identity theft or fraudulent activity.

Upon discovering the unauthorized inquiries, I immediately sent a letter to TRANSUNION to dispute the inquiries and requested its removal from my credit report.

I am taking additional steps to protect my personal information and prevent further unauthorized activities.

This unauthorized inquiry has negatively impacted my credit score I request that the FTC investigate this matter and take any necessary action to prevent further unauthorized use of my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXas fraud and needs to be removed from all my credit reports. 
XXXX XXXX bank was part of my fraud case and needs to be removed from all my accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act ... the account below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681, XXXX/XXXX XXXX XXXX XXXX section 602 A, right to privacy 15 USC 1681 604 A section 2, a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Wrong Personal Informations : Previous Address ( es ) : XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX
Product: Bank account or service

I opened a new business account in XX/XX/2016 and was offered a bank business credit card with a 0 % interest for 6 months linked to my business account. I had late payments twice but on both occasions paid within one to two weeks of the due dates. 
The interest rate on the credit card was raised to over 27 %.
Product: Mortgage

I have been hit with a mortgages increase from XXXX XXXX XXXX This was due to a mistake on my taxes. They have my taxes at over XXXX and my taxes are only XXXX according to the county XXXX XXXX tax assessor. I have called numerous times because this huge swing can cause me to lose my house and no resolve. They have moved so slow that I am almost at the 30day late mark. I make my payments on time and think this is unfair. They should be able to read tax bills better since this is what they do.I sent the correct tax bill in over a month ago before the new payment would be due and still nothing. They advised that they made a mistake and billed me for 4 parcels when I only own one. This is causing a huge hardship.
Product: Checking or savings account

I was receiving multiple fees on my account for the same issues as making deposits. My account received so many fees that I lost count. When communicating with the representatives, they acted like they didn't understand and was very rude. I was always past around to different representatives and retelling my same issues over and over and there was never a solution given. I had fees added to my account and funds were available on several occasions, and when asked why there was NEVER a good answer given and I was never refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX XXXX revolving account on my report that does not belong to me neither am i responsible for it. 

i contacted XXXX XXXX XXXX on XXXX XXXX 2019 and they couldn't help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ) XXXX XXXX, XXXX ) XXXX XXXX has been re-inserted to my credit report after it was previously deleted. Pursuant to FCRA 15 USC 1681i ( B ) Requirements relating to reinsertion of previously deleted material ( ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I was not notified in writing nor was it authorized. This is a violation of my rights. see results attached 3 ) XXXXXXXX XXXX XXXX  was said to be verified and updated. Provide me proof with statements showing that these payments were late. If proof can't be provided I demand this late payment be updated to on time as it should be as I was NEVER LATE.
Product: Checking or savings account

US Bank charged my account an overdraft fee when I had a positive account. I had money in my account on XX/XX/XXXXXX/XX/year>, and US Bank charged me an Overdraft fee that made my account negative.
Product: Consumer Loan

Hello. My lease with Ally Financial was scheduled to end XXXX/XXXX/2016. I processed three 1-month extensions at the cost of {$320.00} each, which would have brought my new lease end date to XXXX/XXXX/2016. After I returned the vehicle on XXXX/XXXX/2016, I received a bill with {$690.00} in charges to cover " Daily Extension charges at {$30.00} per day for 23 days. Even though I paid {$330.00} on XXXX/XXXX/2016 to cover the final extension ( through XXXX/XXXX/16 ), Ally insists that my lease ended XXXX/XXXX/2016. On a call at the end of XXXX I was told that my last lease payment was short {$60.00} and therefore the money was returned to me and the lease was not extended to XXXX/XXXX/2016, and therefore I incurred {$690.00} in late charges. The problem is that I never received my {$330.00} payment that they said they returned from XXXX. I just spoke to another representative who let me know they they did receive my {$330.00} payment in XXXX, but that it was n't for yer extension and he could n't tell me if it was returned to me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of a fraudulent Closed account on my credit report and request its removal under FCRA 15 U.S.C. 1681c-2 ( Section 605B ). The account in question was opened or accessed fraudulently as a result of the XXXX data breach, which compromised my personal information. Account # XXXX has violated my rights. Account # XXXX has violated my rights. Account # XXXX has violated my rights. 



Details of the Closed Fraudulent Account : Account Name : XXXX XXXX Date Opened : unknown As stipulated under Section 605B of the FCRA, I have attached the following documentation to support my request : 1. A copy of my government-issued identification.

2. Proof of my current address ( [ e.g., utility bill, bank statement ] ).

3. A copy of the FTC Identity Theft Report or police report documenting this incident. 







This fraudulent account was created without my knowledge or consent, and its presence on my credit report is inaccurate and harmful. Pursuant to the law, I request that this item be blocked and removed from my credit report within the required timeframe of four business days upon receipt of this letter and supporting documentation. 



If you require additional information, I can be reached at [ your phone number ] or [ your email address ]. I appreciate your prompt attention to this matter and look forward to your confirmation that the fraudulent information has been removed. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia, XXXX per FCRA 15 U.S.C 1681c-2 ( section 605B ) Credit reporting Agencies Are required to removed fraudulent information from your credit report within four business days of receiving request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint on XXXX XX/XX/2023 under complaint number XXXX, and just submitted another complaint on XXXX XX/XX/2023 under complaint number XXXX and would like to know what happened to the latest complaint that was submitted. I am a natural person I am a living human being, I have rights under 15USC1681. .According to 15USC 1681 which states the credit bureaus are reporting accurate and complete information. 15USC 1681602A, States I Have The Right To Privacy.15USC 604 ( A ) ( 2 ) Without written instruction from the Consumer. 15USC1681s-2 ( A ) ( 1 ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

In accordance with the written instructions of the consumer to whom it relates. I have not given my written instructions to have all of this information on my Consumer Reports the list of accounts below have been violated, Please DELETE THESE ACCOUNTS : XXXX  XXXX XXXX XXXX ACCOUNT NUMBER XXXX US DEPARTMENT OF EDUCATIONXXXX
Product: Mortgage

I sold my home and closed on XX/XX/2021. The title company, XXXX XXXX, has experienced difficulty with the mortgage company ( PHH Mortgage XXXX to wire a pay off. The beginning problem was with the Title Company not having wire details. Once wire instructions were received, the wire transfer of funds for the mortgage pay off was made on XXXX, I received confirmation from the Title Company. I have the wire transfer details. My concern is that my mortgage company is still showing a balance and are denying receipt of the pay off sent via wire. My mortgage company, PHH Mortgage, opens at XXXX XXXX I have been calling all morning to try to ensure that funds were received. However, they have a recording that says due to Covid, customer service is not available and it disconnects the call. I am very concerned that my account has not been updated with the pay off information. I have no way to see what is going on or to communicate with PHH Mortgage about the wire transfer to confirm receipt. This is very alarming. Please help!!
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Kindly see a copy of identity theft report filed. A copy of the report is filed with the necessary documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

The last complaint filed indicated they sent a letter to their agency to cease and desist, which is a lie. This company continues to harass me and filed a law suite without notifying me, and send a letter to my employer which caused me to be fired from my employer. Also, on my credit report its showing the account open and theyre reporting as if I still have an open account and possession of the vehicle. Theyre reporting to the credit bureau Im behind on my monthly payment. I do not have an agreement with TD Auto Finance & Im not behind on any payments. This car was sold per the blue book worth at auction for {$10000.00} and they didnt refund the warranty and gap insurance payments on the loan. They also applied additional credits, and did not include payments I made made prior to the repossession. Its showing I owe over {$28000.00} in which Im not going to pay because they have been paid for the car. This company has continued to harass me since XXXX, even more since XXXX ; desecrating my character and causes me to be fired from my job, and has repeatedly harassed me throughout the pandemic & currently.
Product: Payday loan, title loan, personal loan, or advance loan

According to Klarna I have {$2600.00} in purchase power. I have never been denied their financing options before nor any other of their competitors. When trying to purchase something for {$1800.00} that is supposed to have a no interest 36 month financing program from Klarna I am only presented with other options much less favorable. I contacted Klarna to ask why this is happening if I have never had a late payment to them, I have more than enough purchasing power, and I have excellent credit. They have refused to give an answer and just claim the process is automated. One representative who I spoke to suggested me paying off another small purchase with Klarna. I made this payment in full 7 months early. This had no effect on my ability to finance the other item. I told them they are required by law to inform me of the reason but they refuse to do.
Product: Credit card or prepaid card

I wrote a check to XXXX for XXXX. It took so long to cash it after 3 weeks I called and paid by phone and put a stop payment on the check with Wells Fargo. Wells fargo then cashed the check anyway and placed over XXXX on to my credit card without my knowledge. My score dropped XXXX points. I called WF and they took off all the fees then called over to WF credit card and informed them of what happened. WF removed all fees related to the charge and said it was taken care of. I disputed this score with the credit bureau and they said oh there is no fraud you score remains the same. 
They are still reporting it as though I had taken over XXXX in cash
Product: Debt collection

I am a federally protected consumer a natural living woman and i have XXXX given rights and rights under the Fair debt collection practices Act, Fair credit reporting Act. I am demanding Medicredi who identifies as a debt collector and MUST adhere to or comply with the FDCPA. I am demanding lawful verification and i am also demanding Medicredi to provide an itemized bill under oath, sworn statement or notarized affidavit to lawfully verify and validate alleged debt. I am also demanding any contractual agreement signed by me. I want to inform you that I initiated a consumer credit transaction and extended my credit for personal use. 
Reference number : XXXX
Product: Credit card

I am writing to file a complaint regarding an unresolved dispute with Apple concerning a XXXX XXXX purchase on XX/XX/2023. The product was never received by me due to its damaged condition upon delivery, which led me to refuse it. The XXXX tracking system confirms the refusal of the package associated with my address. 

Despite numerous attempts to resolve this issue with Apple, including discussions with supervisors, the response has been unsatisfactory and seemingly templated, lacking attention to the provided evidence. The purchase was made using an Apple Card with specific financing options for the XXXX XXXX. 

I have disputed the charge five times, with the first four attempts being denied without proper explanation or consideration of the evidence. The dispute process is lengthy, taking up to four months, with minimal communication other than requests for additional information, which I promptly provided. The lack of transparency and rationale behind the denial of my disputes is concerning, especially given the fact that the credit card company and the merchant are the same entity, suggesting a potential conflict of interest. 

The purchase amount was {$3400.00}, separate from the tax amount of {$260.00}. Interestingly, the dispute for the tax was quickly resolved, and I received a permanent credit. However, the main dispute involving the {$3400.00} has been denied four times, despite it being part of the same transaction. 

This situation has caused significant inconvenience and financial strain, and I seek assistance in resolving this matter fairly.
Product: Debt collection

on XXXX XXXX, XXXX XXXX with XXXX organized a crime scene by stealing my house. Using forms with falsified information and unauthorized signature. They used XXXX of XXXX Tn, to remove my private property and lock me out of my house to allegedly give my house to someone at the BANK OF NEW YORK MELLON by the name of XXXX in Georgia. The alleged account had been updated to cease and desist by the time they claim to have a trial and steal my information and my house at XXXX in XXXX TN. In violation of federal law XXXX XXXX XXXX I never recieved verification or validation of some alleged debt, Now I have no house to live.
Product: Money transfer, virtual currency, or money service

I sent a payment to a buyer for a product on XXXX XXXX. I never received the product and I couldn't contact the seller. Cash App won't share any information with me eventhough they have access to the sellers information.
Product: Debt collection

My account with XXXX XXXX XXXX was referred to a collection agency in XX/XX/XXXX. I finally paid off the full debt, via payroll deductions, in XX/XX/XXXX. Now, over two years later - XX/XX/XXXX - a debt of {$320.00} appears on my credit report from Security Credit Services (  a new, different collection agency ) saying that the debt originated with XXXX XXXX. I have tried contacting Security Credit Services but the only phone number listed for them goes to a voicemail message promising a call-back that never comes. In fact, I have never heard from them. Online investigation shows this company has a deep record of erroneous collection action. This debt has been paid fully in XX/XX/XXXX and needs to be erased from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I obtained credit reports from Equifax, XXXX, and XXXX. On all 3 credit reports, I noticed a total of 14 late payments still reporting on both of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX. XXXX has a policy that has been in place since XXXX surrounding approved forbearances covering and reversing any late payments obtained during that time. I reached out to XXXX via email to their Consumer Advocate Team to let them know that they were reporting late payments on my credit report that shouldn't be there according to their forbearance policy. I received a response 2 days later saying that all credit reporting information from their company is factual and I need to dispute it through the credit bureaus.
Product: Mortgage

The alleged servicer has been wrongfully denying me for a loan modification. I had a HAMP, FNMA, XXXX XXXX underwriter look at my loan modification and stated based on all the documentation I have submitted to the bank and the guidelines, I should have been approved for HAMP. I also qualify for inhouse modification based on guidelines. I am not even sure that the servicer that sent my payoff actually has the right to service my loan. The foreclosure plaintiff is XXXX XXXX XXXX. There is no assignment to the current servicer that has denied my loan modification and supplied the payoff. I am also XXXX, so being put out into the street is unjust. I make enough income to to afford my home. There also is equity in my house, so I could have sold it for a profit in order to find a new home, however due to my XXXX, it is much easier to live within my current home. The servicer is not calculating income that I have provided and also refusing to further review me for a modification. Please help. Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

On XXXX XXXX, I purchased a desk to be custom made. This originally was to be delivered by XXXX XXXX. Due to the pandemic and other reasons, the desk delivery was delayed until XX/XX/XXXX. Once it was delivered, it was found to not be what was specified on the work order. Immediately, I contacted the furniture provider, and in writing, he agreed to have a new desk made and delivered, and he would later arrange pickup of the incorrectly made item. Since he needed time to make the desk and arrange for freight delivery, my Revised delivery date was set to be XX/XX/XXXX, with a clause that if he could not make this date, he would issue a full refund. The orig work order and this new agreement, along with documentation setting the expected date of delivery of XX/XX/XXXX for the desk was provided to Fidelity Visa. 

I talked often to the merchant during this time, but the last time he responded was in the third week of XXXX. During the first week of XXXX, XXXX, I contacted my credit card to start a chargeback. 

My Fidelity Visa credit card declined this chargeback as being outside of the 60 day allowance. I know this is not Visa 's only rule, and Fidelity should also follow this one : If the merchandise or services were to be provided after the Transaction Processing Date, XXXX calendar days from the last date that the Cardholder expected to receive the merchandise or services or the date that the Cardholder was first made aware that the merchandise or services would not be provided, not to exceed XXXX calendar days from the Transaction Processing Date. Seeing as how my LAST date I expected to receive the desk ordered was XX/XX/XXXX, I was easily within this time. Also, going by " or the date that the Cardholder was first made aware that the merchandise or services would not be provided, '' this date would be when the merchant did not deliver on XX/XX/XXXX, and stopped responding AFTER XX/XX/XXXX.