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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX To Whom It may concern, I am writing this letter to request the removal of certain accounts from my credit report. After reviewing my credit report, I have discovered that some of the the accounts listed are not mine. I am writing to request that these accounts be removed from my credit report as soon as possible. 

I have listed the accounts that are not mine. The accounts in question is, : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I Never opened any accounts and have never had any dealings with the companies that reported them to the credit reporting agencies. 
i understand that it is essential to maintain an accurate credit report, and I am willing to provide any further information or documentation that may be required to remove these accounts from my credit report. I would appreciate it if you could investigate this matter and take the necessary steps to remove these accounts from my credit report promptly. 

Thank You for your time and assistance in this matter. 

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

XXXX XXXX XXXX, XXXX, 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 Experian 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 an Unsecured account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, another Unsecured account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a line of credit account opened at XXXX XXXX  XXXX XX/XX/XXXX under the account number XXXX, a credit account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 # XXXX 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

XXXX XXXX  accessed my credit report four times without my authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My credit file has an active fraud alert and is currently frozen. Access to my credit file requires verbal verification before access to my credit file is granted. I also blocked my credit file from pre-approved promotional offers.
Product: Checking or savings account

Tried opening an account with XXXX XXXX  XXXX to build relationship but unable to open since my account was closed during pandemic after opening one with no reason provided. I opened account with Chase and put in money in there around XXXX to build relationship with them as well so I can open high yield savings in the future. Everything is set and open - debit card arrived and maintaining my balance. Now, I received a notification that it is suspended due to fraud - called them and fix it but went on closing my account. Asked them if I can do something to remain open but they said no- no information provided why my account is closed. Fustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Listed are unauthorized hard inquiries on my Transunion consumer report : XXXX XXXX XXXX Inquiry date : XX/XX/ XXXX XXXX  Inquiry date : XXXXXXXX  XXXX XXXX Inquiry date : XX/XX/XXXX  XXXX XXXX  Inquiry date : XXXX
Product: Checking or savings account

My bank does not update to third party apps in real time. I use an app to check my balance that is better than the mobile app. It causes stress when my balance is low.
Product: Debt collection

I have received notices from Credit Management LP of an amount owed to XXXX XXXX of {$610.00}. I do not owe this amount or any money to XXXX. I contacted XXXX and they have no knowledge of this debt or amount. I contacted credit management LP to have them cancel this amount but instead they appear to have reported it to the credit agencies and it has reduced my credit rating. I believe this is a scam and complete fraud. Again, I do not owe XXXX cable anything and Im current on all my accounts. CreditManagement LP of Plano Texas appears to be representing XXXX in this debt collection matter the XXXX has no knowledge of it and I do not owe any money to XXXX
Product: Mortgage

UWM kept removing my auto payment and fined me with late payment penalties. I wasn't aware of the reason. I kept setting up the auto payment and thought I was OK. Until this week the customer service told me that my auto payment was removed due to loan account name mismatch with my auto payment bank account name. Now I know the reason and have this problem fixed. But I feel that this late fee {$90.00} should be waived because they kept customers in the dark. They should have told me the reason earlier. The loan number is Loan Number : XXXX XXXX
Product: Credit card or prepaid card

I open the account and never receive the card. The company open the account whitout verify my identity and allowed the criminal use the card. I alert them that I didt receive the card and try open a dispute, they have same person on the costumer service that never help or guide a solution. I report them after they send the statement and its been already 2 months and nothing been done. Besides hurt my credit now they are charging me late fees
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed by Credit Report and noticed that I had 1 late payment in 2019 that I was never late on. I have never been late on any payments for the account ( Account Number : XXXX XXXX XXXX XXXX ) and also have never been late on any payment to another creditor. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments to be updated to reflect " on time '' as they should be as I was never late. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX* 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

I WAS APOROVED AND SENT CARD See attatched Capital One Credit card statement due date XX/XX/2019 card ending XXXX I WAS UNABLE TO ACTIVATE AND USE CREDIT APPROVED. 1 )?? WAS IT BECAUSE I AM XXXX & CAP ONE IS NOT WCAG 2.1 ADA COMPLIANT FOR MY XXXX  XXXX? 2 )?? WAS IT BECAUSE I am XXXX unknowable technology? 3 ) WAS IT because see attatched Cap One XX/XX/2019 DATA SECURITY ISSUE? WAS THIS PUBLICLY ANNOUNCED IN THE NEWS?? See attatched Fax Documentation Provided to Cap One TO NO AVAIL. I had to close this account because could not use. This lowered my credit score. Cap One is NOT ADA COMPLIANT CONSUMER UNABLE TO ACTIVATE.
Product: Debt collection

Receiving automated/robocalls from XXXX onXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Went to voicemail and automated call left a message saying they are Sequim Asset Solutions, LLC ( might be mispelled ) and they are trying to collect a debt. The first part of the message is cut-off so do not know who they are trying to contact so they could be trying to contact someone else since the number is somewhat new. I have never heard of the company and do not have any debts they could be calling to trying and collect on so it sounds like it could also be a scam to me.
Product: Checking or savings account

I made a pucrhase through XXXX, but I canceled the purchase from the XXXX ( I canceled the item before shipping ), but XXXX still sent the item to me after several days, and they charged my bank account with the amount of XXXX dollars and, XXXX dollars.The retailer does not respond, the store is not willing to refund me after a month, and the bank is not cancelling my charges my account.I made several claims to the bank, but they did not accept the claims.Please let me know what I should do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting acXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C1861 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am reaching out to formally dispute the inaccurate inclusion of a XXXX  on my credit report. I have obtained an official letter from the court that clearly states this XXXX should not be reported to your agency. Despite this, it still appears on my credit file, which is both misleading and unjust. The presence of this erroneous record is causing unnecessary harm to my credit standing and must be corrected immediately. 

Moreover, I have reason to believe that an unauthorized third party is involved in this matter, further complicating the situation. The involvement of an unknown entity raises serious concerns about the accuracy and security of my personal financial information. It is unacceptable that such an error has been allowed to persist, and I urge you to take immediate action to remove it.
Product: Debt collection

Kohl 's repeatedly calls my phone number looking for someone who has not lived here for 5-10 years. I have told them that and asked them to stop calling me, but the calls persist. 

For example, Kohl 's admits that they called me on XX/XX/XXXX about XXXX XXXX. They admitted that I requested at that time that they no longer call me looking for someone else. Yet, on XXXX/XXXX/XXXX, at XXXX XXXX, Kohl 's agent named XXXX ( # XXXX ) called me looking for someone else. 

I am tired of the repeated harassing calls. I have never had a charge account with Kohl 's. This has been going on for years. I want it stopped. 

Note : I have never had a Kohl 's credit card.
Product: Credit reporting or other personal consumer reports

In XXXX my girlfriend opened a Wayfair credit card account and added me as an authorized user. I was removed as authorized user 3 months later in XX/XX/XXXX. I disputed it with all 3 bureaus and XXXX and XXXX removed it. XXXX refuses after 9 disputes and 3-4 disputes with Citibank ( lender of the wayfair Mastercard ) and both have said it is accurate. And it is not accurate. Citibank then proceeds to tell me they wont report any historical data. Last month ( XX/XX/XXXX ) I saw they started reporting it on my credit report again. I called Citibank and disputed it again with XXXX  since they said they wouldnt report historical data, but in fact did. I called and requested they request to have it reported and removed by XXXX  and they refused and I was hung up on twice by Citibank. I cant get a live person at XXXX  to explain my situation. This is very frustrating and its dropped my XXXX  score by XXXX points while my other two scores are within XXXX points of each other. I really feel like they are causing me damages by making it hard for me to get any credit cards, loans, and housing since its not just barely above XXXX. I dont know what to do anymore. This has been ongoing for almost 2 years.
Product: Student loan

I am writing to request assistance regarding my student loan. My student loan started in XXXX at XXXX and is now over XXXX. My current payment is over XXXX. Since XX/XX/XXXX, I have paid {$4400.00}. Out of {$4400.00}, only {$310.00} has been applied to the principal. There is no way that this agency or Navient, can think that is fair or acceptable. At some point, there should be an acknowledgment that this should not be allowed. When I was struggling financially, I was never told about income-based payment plans. I was always placed on forbearance. I filed for bankruptcy in XXXX and the loan was not included. I am asking for assistance in either loan forgiveness since I have been paying for over 25 years or loan reduction. Thank you in advance.
Product: Mortgage

Have to keep complaining, Bayview never responds back or mail any letters about modification. Finally received copy of loan documents, said need XXXX XXXX on modification paperwork even though, XXXX XXXX has power of attorney for mortgage, stated didnt want assumpiton loan, faxed in all paperwork XXXX-XXXX-2018 with both our information, no one calls no one sent letter saying missing paperwork like other companies and there is a process for customer BILL OF RIGHTS! Always have to complain to get any results from Bayview, number to call says XXXX and XXXX reps never answer goes to voice mail says hit OPTION to speak to rep going to voice mail always ask to leave a message, left a message XXXX-XXXX-18 and  still no call back! Bayview doesnt follow the procedures for California laws! Rep gave me fax of XXXX and XXXX where does paperwork go? Want modification done have complied with everything and have proof of many faxes! AND USED MY LOAN NUMBER DIDNT SHOW UP IN AUTOMATED SYSTEM!
Product: Debt collection

I received a call from my mother that a debt collector had called her looking for me. She game me the name. I looked it up, found them, and messaged them, as it was the only contact I could find on the website. I told them I didn't owe the debt, it was very old, and under no circumstances were they to contact any of my family members again. The company responded with a generic message about how they want to help me resolve my debt, without responding to my concerns. I then received another call from my mother, they had called her a second time, and this time, told her what the debt was from. This is a clear violation of my privacy as well as my rights under the credit protection act. I messaged again that I wanted them to stop contacting me by phone in addition to stop contacting my family. Then I received a text message from them stating " How can I help you resolve this today so you no longer receive calls about this? - XXXX XXXX XXXX. Clearing admitting that they had no intention of respecting my wishes of not being contacted by phone. This is harassment and it is unacceptable! 

I also never received anything in writing from this company regarding this debt, the website however says I can not dispute it with them.
Product: Consumer Loan

XXXX XXXX deleted a car loan, a good account, without confirmation from me. It is a good account. I would like the account put back on my CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX  XXXX Account number : XXXX, XXXX XXXX XXXX XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXX xxxxxxxxxx, XXXX XXXXXXXX XXXX Account XXXX : XXXXXXXX XXXX  Account number : XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, I am filing a complaint against Equifax and with the CFPB! Yes I totally understand that due to COVID-19 that the Credit Bureaus has been behind but a FAILURE to respond to any disputes is right out against the Fair Credit Reporting Act and Equifax is the worse. By Law they are still responsible for responding to any and all disputes submitted to them and the CFPB are not even holding them accountable ... I know that I am not the only person who's complaining about the Credit Bureaus not handling their jobs.. I have sent several letters on these erroneous inquires and not once has Equifax ever did their job or responded to me ... I am requesting immediate action here. 

XXXX- XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX- XX/XX/2019 XXXX- XX/XX/2019 XXXX- XX/XX/2019 I am requesting that Equifax do their jobs immediately ... this is going on for long enough that they are failing to respond to any disputes.
Product: Debt collection

CREDITOR : XXXX  Date reported XX/XX/year> DATE ASSIGN : XX/XX/year> AMOUNT XXXX Account # : XXXX I have collections that don't belong to this account which can cause harm to my credit. Also getting reported on different accounts under different names.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF HUMAN TRAFFICKING, AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3. EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN 4 BUSINESS DAYS. AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED.
Product: Credit reporting or other personal consumer reports

In accondance with the Fair Credt Reporting act. The Lat of accounts below has violated my federally protected consumer rights to privacy and confidentality under 15 USC 1681. 
Account name : [. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ] has violated my richts. 
I looked at my [. Equifax ] credit report on [ XX/XX/year> ] and noticed some things are incomplete and not accurate. And acconding to the fair credit reporting ad Wheneve a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information conceming the individual about whom the report relates according to 15 USC 1681 ( eXb ). And according to 15 USC 16815 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( Ajin generalit, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( li ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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.
Product: Credit card or prepaid card

I believe American Express is illegally billing for late fees and interest. I have been billed for late fees and interest even though my payments arrived in time, which they acknowledge. Their policy is that even if the consumer made the payment prior to the due date on the statement, they charge fees and interest based on when the bank actually cleared the check. I have written documentation from them stating this is their policy. How can a consumer be charged fees if they sent the payment in on time? It is out of the control of the consumer as to when a bank would " clear '' the check. In my case, it was several days after my payment had been received by American Express. How can this be legal?
Product: Mortgage

I was denied online access to the tax forms for my mortgage account. When I contacted Fifth Third bank, they said the reason was I'm listed as a 2nd signer on the loan, after my son. They would only grant online access to tax forms only to the primary signer ( my son ) and not to a secondary signer like myself. My son had never registered for an online account with Fifth Third. I'm the one who had registered for the online account and I've been paying the mortgage monthly. 

They said they can mail the requested tax form to me, so implicitly they acknowledged that I can have access to the tax form. The bank just arbitrarily decided to not allow me to access the forms online.
Product: Credit card or prepaid card

I used my American Express XXXX XXXX card to purchase a slide from a company called XXXX XXXX. The slide that was delivered to me was NOT the slide that I was discussing and approved a purchase for with the company representative. He did a bait and switch without my knowledge. American Express has not been able to resolve the issue. 

The company has acknowledged an issue and requested I pay hundreds of dollars in shipping and restocking fees to return a slide that was fraudulently switched on me.
Product: Credit reporting or other personal consumer reports

I see that TransUnion has removed XXXX off my credit reporting, but I didn't ask for it to be removed and TransUnion didn't listen to me as far as what I asked for as a resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ( XXXX ) XXXX : XX/XX/year>2025 To : XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Request to Update Public Records with Phone Number Dear SageStream Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : ( XXXX ) XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX