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

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$110000.00} XX/XX/XXXXXXXX XXXX XXXX {$960.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$5400.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$19000.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$24000.00} XX/XX/XXXX
Product: Mortgage

I have a mortgage account with Cooper formerly known as XXXX XXXX XXXX., XXXX , Texas . My account number is XXXX. The company should remove the PMI under Automatic Termination clause as per Home Owner 's Protection Act of 1998. On XX/XX/XXXX when I mentioned them I reached 78 % LTV, they did not automatically terminate my PMI of {$77.00} every month. My amount of finance under modification in XX/XX/XXXX was less than the original amount financed but still same XXXX dollars was colected as PMI. On XX/XX/XXXX they wrote a letter enclosed herewith that I did not reach and the date of automatic termination is XX/XX/XXXX. Again on XX/XX/XXXX they wrote they mistakenly calculated the LTV and informed that XX/XX/XXXX is the date for removal of PMI under Automatic Termination when the LTV reaches 78 %. Now my LTV is almost 70.007 %. Still they are collecting PMI. They are fully aware that my loan was modified with XXXX XXXX XXXX XXXX, in XX/XX/XXXX and they did write these letters in XX/XX/XXXX. Still they are collecting PMI? I want CFPB to publish this and get my grevience redressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

RECENTLY I DID AN INVESTIGATION ON MY CREDIT REPORT WHICH CAUSED SEVERE XXXX UPON ME AND FOUND UNVERIFIABLE, INVALIDATED AND QUESTIONABLE ITEM THAT YOUR AGENCY DID NOT MAKE SURE IT WAS REPORTING 100 % CORRECT. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, EVERYTHING HAS TO BE 100 % ACCURATE ON MY CREDIT REPORT UNDER 15 U.S COURT 1681e ( b ) AND 15 U.S CODE 1681i ( 5 ) THIS ACCOUNT IS VIOLATION OF NOT REPORTING 100 % ACCURATE RESOLUTION : As a consumer, by law my credit report must be made 100 % accurate immediately by the credit reporting agencies updating and deleting the account that listed on my dispute letter.
Product: Debt collection

I have no idea why this debt is being collected on a bill that was from an alleged traffic ticked from 1999. Not only do I not owe it, but it is from more than 17 years ago and the statute of limitations has passed. Not only is there no evidence or proof that I owe it, they refuse to acknowledge that they can not collect it and they refuse to stop sending me letters to my work and home when I have told them not to call my work phone and cell phone. I do n't have a home phone and therefore they refuse to stop. I just want them to stop contacting and threatening a civil action on my phone and telling me I could get XXXX.
Product: Debt collection

I do n't owe this company any money, I never had a at & t account. I will not pay for a debt that do not belong to me.This account is fraud and I will not be responsible for this debt.it is illegal for this company to obtain my personal information from another company. I 'm tired of being harassed about this account. I know my rights
Product: Debt collection

In XXXX 2017 I received an alert that a collection had been added to my credit profile. When i logged in, a collection account listed under DCI appeared on my credit report. Based on the information XXXX is the original creditor. I have never received notice of such debt and immediately disputed the account and requested validation of debt. My rights have been violated under the FCRA. I am allowed the rights dispute debt before it is placed on your credit profile and I was unable to do this. Also to my understanding several notices must be sent. I only received one and that was after it was placed on my credit profiled. I then emailed the company and disputed the debt asking them to kindly remove until investigation has been completed. Which again I have the right under the FCRA. This has not been done and I feel like this whole thing has been handled unfairly and not according to guidelines set by the FCRA. Please review.
Product: Debt collection

I am a creditor with several financial institutions where I can no longer afford to pay. I have a XXXX XXXX XXXX that causes me to lose work, and in some cases XXXX  is required. Accordingly, I have no choice but to cease monthly payments with these creditors that I am submitting my issues through the Consumer Financial Protection Bureau. I request a cease and desist on all telephone communications, and request any communications by mail only. I can submit medical proof of my XXXX  if a settlement is offered. I am looking into filing a XXXX XXXX bankruptcy. Please cease all communications with any of my accounts. Thank you. 
XXXX XXXX
Product: Debt collection

This law firm is attempting to collect on a Tax debt that has been " Closed by the Federal Government '' I 've attached a document that indicates this. I 'm tired of receiving letters from them. I 've sent them proof of this but they continue to harass me. Please find the document which backs up my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made every attempt to have this situation corrected and remediated with credit disputes to the three bureaus -XXXX XXXX XXXX XXXX and XXXX to no avail. I have contacted Mercedes Benz and they were of no help. They advised me that they do not get involved in credit disputes and that all their credit reporting is done automatically. They suggested I dispute the item with the credit bureaus that they would not dispute the update. 

I have 100 % payment history on all three bureaus XXXX XXXX XXXX XXXX XXXX XXXX  and Mercedes Benz reported me late or over 30 days on my XX/XX/2019 file with the XXXX agencies. This has made my credit payment history 99 % and less than perfect.
Product: Credit card

I have ordered XXXX XXXX XXXX  from XXXX. XXXX Upon opening the package, I discovered the screen has a crack and ordered the replacement on XX/XX/XXXX after reported to XXXX. I mailed back the damaged package with tracking #. A day later XXXX XXXX  was order was canceled by XXXX with no reason giving. When I asked why the replacement was cancel the agent has no answer for me. Then I decided to order from another vendor XXXX. I ordered the same phone with XXXX instead. Same price XXXX. 
The following week it was XXXXXXXX XXXX the same exact phone was reduced to the price of {$850.00} I have returned back the XXXX order and purchased the lower price one from XXXX again order #. 
Until XX/XX/ I have discovered on the credit card investigation package of tracking # that was sent to my address. I immediately report to XXXX that I havent never received any notification or any type of communication. XXXX agent refused to help and ask me to contact XXXX for a missing package that they sent. When I contacted XXXX I was told only sender can request credit and from receiver. XXXX refused to file a missing package on my behave and refused for refund along with the BestBuy credit card company. I have paid my credit card, {$1100.00} with fee and interest due to the failure of XXXX not filing the missing package.
Product: Credit reporting or other personal consumer reports

Taking a look into the Experian account glossary ( attached as a document below ) The findings explain the breakdown of the payment history notations. The definitions make it clear and evident that you can not be 60 days late on an account twice. THIS IS INACCURATE REPORTING. 
The definitions also make it clear that an account being charged off is one transaction. The accounts debt is transferred, and the account is closed from there on out. With the ( XXXX XXXX XXXX # XXXX ) there is reporting of payment history after the closing and transferring of this account The ( XXXX XXXX XXXX # XXXX ) is reporting multiple 60 days late which is not possible based of the definitions Experian provide. Please delete ( XXXX XXXX XXXX # XXXX ) for the inaccurate reporting it is providing or reinvestigate with the proper payment history. 

Charge-off Charge-off is the action of transferring accounts deemed uncollectible to a category such as bad debt or loss. Collectors will usually continue to solicit payments, but the accounts are no longer considered part of a company 's receivable or profit picture. A charge-off may negatively impact your Credit Scores.

60 Days Past Due If you missed a scheduled payment on an account by 60 days, the lender may report your Payment Status as 120 Days Late. This may negatively impact your Credit Scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have filed multiple disputes with Experian and they have violated the FCRA and my consumer rights by reporting frauduent information on my consumer credit report. I have attached the letters I have sent to them and their failure to respond to them..They have caused me damage as I have had multiple hardships during this cover pandemic and have not been able to seek financing due to someone stealing my Identity. They have not once tried to help me fix these issues they can not verify or sent me any proof that these false accounts are verfiable ..
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX several times. I did not authorize nor do business with this company. 
XXXX XXXX
Product: Credit card

when I was issued USBANK credit card it was disclosure about interest rate and term that I agreed, my point in credit cards XXXX, XXXX and XXXX since they are dealing withmoney that credit cards co must protect their clients against fraud and identity theft, on XXXX/XXXX/XXXX I purchased item that was defective and incorrect power source, since the item coming from XXXX, since I paid with my XXXX card, USBANK must disclose the transaction to me that if paying with XXXX if returning the item you are responsible for shipping cost if your item is defective and wrong not only did that it also caused stress and financial injury for not disclosing it at time of purchase than must pay the cost and compensate me for stress and financial injury and CFPB must panelize them. I think the XXXX committed fraud and knowingly shipped the defective item with wrong power source and since the cost of shipping is about {$210.00} I will not be able to return it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and credit inquiries listed on my Equifax credit report is fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XX/XX/2018, XXXX, XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenoty banl has advisede that they only report the last 2 years of payment history to the credit Bureaus. Thwy have not updated my report reflect such and will not make the change.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent an initial dispute to Chexsystems to verify the accounts listed on my report. Included in their results was an account from XXXX XXXX XXXX showing that I owe {$880.00}, however, they did not send any documentation the validate this claim. The letter simply states " They have also informed us that additional negative activity took place increasing the balance to {$880.00} at the time of charge off. '' On XX/XX/XXXX, I sent a follow-up letter to Chexsystems asking them for the documentation supporting that statement. On XX/XX/XXXX, I received a response from them. Once again, they failed to provide proof of this alleged {$880.00} debt. Please delete this account from my report, as Chexsystems is in violation of Section 611 of the FCRA which states unverifiable or inaccurate information must be deleted from that file of the consumer. Thank you.
Product: Credit reporting or other personal consumer reports

I submitted a dispute to Equifax and it has been 30 days. The information is still on my credit report and is still incomplete and inaccurate. FCRA says 30 days or delete the information. 15 USC 1681i ( 5 ) ( A ) ( i ). Equifax is liable under 15 USC 1681n ( a ) ( 1 ) ( a ) for {$1000.00} per violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried sent letters starting XX/XX/21 regarding collection accounts that were put on my account. I have no record of such collection nor I was in the hospital or doc in the past year. 
XXXX XXXX  XXXX  XXXX XXXX  XXXX  XXXX XXXX I also have disputed several inquiries that I did not authorize and the bureau are still reporting.XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX I disputed this account thru Transunion online and apparently it ask me if Im sure I want to dispute this account because its in good standing. Well I should just left it alone and now it reappears as delinquent? First of all I do not know this exact account that is one of the reason I wanted to take out from my credit report even tho it says in GOOD STANDING?? And why did reappear in my credit report. So now Transunion remarks this as a delinquent.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( CFPA ) specifically cash app failed to take timely and effective measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer app ( EFTA ) and regulation E. these actions have caused significant inconveniences and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

Notice, That XXXX XXXX is Trying to Collect on an Alleged Debt thats Not even a Debt from XXXX. The Amounts they Claim I Owe them Have been filed with Taxes and Makes that Account Income and Income Doesnt Report to My Consumer File. Ive Never Authorized or Gave them Any Permission to Furnish or Communicate With Non Affiliates Regarding my non public information they Breached my Privacy and Now I dont know who Has my Personal Information. Delete and Remove the Account from my Consumer File immediately From Experian, XXXX XXXX XXXX. They even tried to collect on this Account and they havent produced any Documentation of a Legal Claim Nor have I Validate the Accoutrements
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and you are reoprting inaccurate fraudulent accounts onto my credit file that do not belong to me. I have contacted each company listed below yet they can not validate these accounts with me so how in the XXXX are hey verifying them with you? Please remove these accounts listed below and in the attached documents from my credit file immediately as they are a result of identity theft. As directed by section 605B of the FCRA notify all furnishers of this information and remove from my credit file immediately.
Product: Money transfer, virtual currency, or money service

Chase due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Chase along with XXXX failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

I am filing against cash app ( Block Inc. ) due to inadequate customer service and unfair practices which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and resolution E. These actions have caused significant financial loss and inconvenience, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

I ask Moneygram about the reinbursement of s cancelled transaction reference number XXXX on XX/XX/XXXX. XXXX. For the amount of XXXX dollards. They never reinvursed the money
Product: Credit reporting or other personal consumer reports

I bought a vehicle on XX/XX/27. I already had financing lined up and check in hand from XXXX XXXX. Regardless of this the dealership shot gunned my credit without my permission and without my knowledge to a lot of other lenders. Both the dealership and I have been trying to rectify this but credit bureau refuses to remove the unauthorized inquiries knowing full well that the unauthorized inquiries were done illegally! And that a letter was sent from dealership explaining this.
Product: Vehicle loan or lease

Because of COVID, I spoke to Lincoln and they asked me to keep the vehicle due to COVID. 
I listened to what they said and kept the vehicle for an additional 2 months. 

They charged me for keeping the vehicle and didn't tell me that I owed them additional funds. Nothing was ever mailed or emailed to me to notify me of the extra charges. 

As of this morning, I paid the additional charges because I understand that I had the vehicle and I am fine paying these extra charges - however, due to these extra charges being owed without my knowledge, this hit my credit report with 30 day lates. 
Confirmation of payment is XXXX I am outraged. We are in a Pandemic and I listed to what Lincoln Financial told me to do and now my credit has taken a huge hit because of these lates that I wasn't aware of until today and it was a result of what Lincoln told me to do!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many errors within this listing. Thoroughly investigate and please update for lawful accuracy. Below are the inaccurate items from my credit report : Charge-off 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
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$11000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XX/XX/2022 - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities. 

Former XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

I retired from XXXX XXXX XXXX ( XXXX ) in 2020. It is the practice of XXXX  that employees receive their salary or retirement exactly on the XXXX day of the month. If the XXXX day of the month falls on a Saturday, Sunday or holiday, XXXX makes sure that payment is received on the working day before the non-working weekend or holiday. 

This changed when Bank of the West became BMO. BMO keeps the money until the next working day. So money paid on XX/XX/XXXX ( Friday ) by XXXX to make sure that employees and retirees have their money before the weekend or holiday are kept by BMO for a few days and will not be available until XX/XX/XXXX ( Tuesday ). 

This happened once before when XXXX sent payments to their employees on XX/XX/XXXX ( Friday ). BMO kept the funds and paid salaries and retirements on XX/XX/XXXX ( Monday ). 

I believe BMO is keeping the money for a few more days so as to receive interest on the money at the expense of the employees or retirees from XXXX and other companies.