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

I am writing to formally request the removal of negative accounts from my credit report due to my status as a victim of fraud. I have recently filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter.

As a result of fraudulent activities, my credit report contains accounts that do not belong to me. These accounts are negatively impacting my credit score and overall financial well-being. I have taken the necessary steps to report the fraud, including filing a complaint with the FTC, which I can provide upon request.

Under the Fair Credit Reporting Act, I believe I have the right to have these erroneous accounts investigated and removed. I kindly ask that you review my case and take the appropriate actions to delete these negative entries from my credit report.

Please confirm receipt of this letter and let me know what steps will be taken to resolve this issue. I appreciate your prompt attention to this matter and look forward to your response.
Product: Mortgage

My loan was sold/transferred in XXXX. I wrote the new service company in XXXX explaining my property tax bill arrived and was due in XXXX. I emailed them the bill as instructed. I did this several times. I kept getting " we'll get to your email soon '' messages, but this dragged out for months. Several times I got emails that said, " This letter is in reference to your inquiry regarding your taxes received on XX/XX/2021. Please know that we are diligently working to provide a resolution and will send a follow up soon. We appreciate your business. '' Soon never came. I finally called a couple of times and after insisting my problem get addressed, I was transferred to XXXX XXXX. I gave XXXX all my information and was told the bill would get paid. That was on XX/XX/XXXX and the bill was due XX/XX/XXXX. My property tax bill was paid LATE and I got hit with {$19.00} interest fees for being late. I followed up and was told " I have opened a request for this to be paid. The fees will not be charged to your account. I will keep you posted as to when this has been paid. '' Yet a month later, nothing was paid. I finally paid it myself because it's clear this agency is completely incompetent. But I want my money back for their mistake. I also want service that doesn't take 2 months to get a reply to questions. Ideally, they could sell my loan and just annoy the other customers they have. I doubt they'll change and actually start helping customers.
Product: Credit card or prepaid card

I placed an order for a XXXX XXXX television with " XXXX XXXX '' a third party seller through XXXX, on XX/XX/2021 in the amount of {$4100.00}. The item was to be delivered on XX/XX/2021. I left clear delivery instructions stating that if I were not home to call me and if no answer to reattempt delivery. In addition, XXXX required a signature from me for successful delivery. I was not home on XX/XX/XXXX XXXX and when checking the tracking information it showed that my item was delivered to someone named XXXX XXXX XXXX. I immediately reached out to the merchant through XXXX and explained what happened. The merchant explained that an investigation would be started, and someone would reach out to me in the following days. I never heard anything back and reached out to the merchant again and was informed by " XXXX XXXX '' customer service representative named XXXX that an investigation was still in process. Days went by and again I had not heard anything back from the merchant " XXXX XXXX ''. I then proceeded to dispute the charge with my bank institution. I was advised by my bank institution to reach out to XXXX and see if the issue could be remedied. I then reached out to XXXX customer service and explained my situation to a representative named XXXX XXXX. XXXX XXXX explained to me that a refund would be issued to my card and I should see it in 3-5 business days. The credit never came. Upon submitting my dispute, the merchant has now responded stating that I have had XXXX orders delivered to my home in the past with no issue and that my address is valid ( which is irrelevant to this situation ). My address and apartment number is valid however, the merchant failed to mention that I live in an apartment building and not a house, so delivery of a package with a signature required by me is vital. As I stated previously, the package was not delivered to me, nor was it signed by me, and my delivery instructions were not followed. My package was instead delivered to someone named XXXX at a different address/apartment number. The merchant also stated that they have no record of any phone calls or emails from me regarding my issue. That is inaccurate and I have contacted the merchant and XXXX several times via email and XXXX transcript ( please see attached ). In addition to XXXX policy, XXXX can refund a customer at their discretion. XXXX agreed to refund me because of this issue ( as seen in the transcript ) and I have yet to receive my refund. I've also filed a police report with my local police department. My bank institution constantly resolves the issue in the merchants favor. I've submitted a dispute over 5 times since XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX XXXX # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
DEPT OF EDUCATION/NELN XXXX XXXX XXXX XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/NELN XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX XXXX  # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's client XXXX XXXX XXXX is an identity theft victim. His information was used without his consent to apply for several credit cards. While those applications were not successful the inquires from the applications were made into his credit reports. A formal dispute of those applications and inquiries were submitted however no confirmation of deletion of those inquiries has been received from one bank. TD Bank has failed to comply with FCRA law and has not replied to the victim with regard to removing the inquiry from the credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I tried to update and correct information on my Credit Report through XXXX, Trans Union, and XXXX. Each attempt to update utilizing their online features were meet with errors and the inability to have my requests processed. I attempted to contact XXXX  by phone as their website stated the operating hours only to be greeted with an automated message that it closed 3 hours earlier than displaying the website. I attempted to provide documents via web upload and also to access my account on XXXX but the online access is not available. I am notifying you of the incidents as the Credit Reporting Agencies are making contacting and updating my personal information impossible. These agencies are not allowing for ease of use or contact and have created a severe obstacle when trying to even make contact with them. This way of conducting business with an individuals personal financial information and the long term affect they can impose on a person are disturbing and need to be corrected immediately. I am asking for assistance and would request your agency inquire into the practices that are currently in place that are keeping individuals from accessing and updating their personal financial history and information. If a company is presenting an online access but at each attempt states they are unavailable to process then the access is not offered they are simply presenting a fraudulent offering of service. Please do something to hold these business accountable for access and current information as well as granting ease of access to an individuals personal information for update and inquire. Thank you,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX CLOSED CREDIT CARD THIS ACCOUNT WAS SETTLED BUT IS HURTING MY CREDIT REPORT IT WAS SUPPOSED TO BE REMOVED IN EXCHANGE TO BEING SETTLED XXXX XXXX XXXX XXXX PAID CLOSED THIS ACCOUNT WAS NOT OPEN BY ME I ALSO REPORTED TO COMPANY MULTIPLE TIMES WITHIN XXXX YEARS ( FCRA ) regulates the consumer credit reporting industry. In general, the FCRA requires that industry to report your consumer credit information in a fair, timely, and accurate manner.

A consumer shall have the right to request that a business delete any personal information about the consumer which the business has collected from the consumer. 
A business that collects personal information about consumers shall disclose, pursuant to Section 1798.130, the consumers rights to request the deletion of the consumers personal information.

A business that receives a verifiable consumer request from a consumer to delete the consumers personal information pursuant to subdivision ( a ) of this section shall delete the consumers personal information from its records and direct any service providers to delete the consumers personal information from their records.
Product: Mortgage

This is a request for information about property tax transactions for my former home at XXXX XXXX XXXX in XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX in connection with mortgage loan number # XXXX. 

Chase Bank XXXX XXXX XXXX XXXX Bank they utilize to pay the County and Town property Tax for homeowners who hold mortgages. I would like proof of the payments made by XXXX XXXX Bank and refunds received if any for the following. 
1. The payer information reported on the XXXX XXXX Report for School Tax XX/XX/XXXX in the amount of {$3200.00} is alleged to have been paid by XXXX XXXX who is credited as payer. Provide proof of payment and refund issue to XXXX XXXX if any were issued. 
XXXX. Provide proof of payments made and refunded to XXXX XXXX XXXX  for the tax periods listed below if any. 

XXXX XXXX XXXX XX/XX/XXXX {$1700.00} School Tax XX/XX/XXXX {$3100.00} XXXX XXXX XXXX XX/XX/XXXX {$1700.00} School Tax XX/XX/XXXX {$3100.00} XXXX XXXX XXXX XX/XX/XXXX {$1500.00} School Tax XX/XX/XXXX {$3100.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$1500.00} School Tax XX/XX/XXXX {$3200.00} XXXX XXXX XXXX Who was the person responsible at the receiver of taxes for processing chase checks issued by XXXX XXXX during this timeframe?
Product: Checking or savings account

Trustmark bank charged me {$72.00} for overdraft fees of 2 debits for XXXX XXXX  each. 

Then they wont let you transfer money after a certain in the account to cover balances. I was in the phone and had a positive balance and the next day I had insufficient fees. Their creative balances are signaling the wrong info because u could have transferred money from another Trustmark account. 


I dont believe that they are concerned about their customers more less their pocket.
Product: Debt collection

The collection agency somehow contacted my father in law on XX/XX/18 who has nothing to do with the credit card in collections. They told him i have a debt in the amount of {$1200.00} and gave him the reference number. Again he has nothing to do with this credit card account. They violated my rights by sharing information with another person.
Product: Debt collection

This creditor has called my employer multiple times and I have asked them multiple times to stop calling my work. Once again, they called my work today and I have proof on my work phones caller ID. The number they are calling from is XXXX, and the name is CU Recovery.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inaccurate reporting of collection accounts on my credit report. I have been on this journey to update my credit report as of XX/XX/2021. I have sent several letters to XXXX  and Equifax to delete this information. As of XX/XX/2021 XXXX  has deleted these collections from my report. I am requesting that XXXX  and Equifax follow suit. Attached is a copy of my XXXX  report. Thank you in advance for your cooperation.
Product: Debt collection

ACCOUNT IN REFERENCE IS NOT RECOGNIZED AND IS NOT VALID.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is currently reporting that I owe a balance for this card. I have requested proof/validation for the account. XXXX continues to send me their company 's credit card agreement statement. I have not received any documentation with my signiture starting that I agreed to open and acccount with XXXX.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION. I respectfully request that XXXX provide me with competent evidence that I have any legal obligation to pay you. XXXX is currently reporting invalidated information to the three major credit bureaus ( XXXX, XXXX, Trans Union ), this  action might constitute fraud under both federal and state laws.
Product: Credit reporting or other personal consumer reports

I have experienced repeated issues regarding inaccuracies on my credit report with Transunion. I have submitted numerous dispute letters regarding negative accounts I believe to be incorrect or unverifiable. However, the only response I have received has been a generic statement indicating that the accounts were verified, without any details or evidence of how these errors were verified. 
I have specifically requested validation of how this verification process was conducted, including proof of accuracy for these accounts and I have not received any such documentation. This lack of transparency is concerning and does not align with their obligations under the Fair Credit Reporting Act ( FCRA ) to ensure complete accuracy in reporting. 

Due to the recent violations of the FCRA by credit reporting agencies and the demonstrated inadequacy in verifying disputed information I have been hender when trying to apply for credit, housing and employment If Transunion can not ensure complete accuracy and vaIidation I demand the immediate deletion of the negative accounts.
Product: Checking or savings account

U.S. Bank is responsible for the most baffling and stressful week of my life. I'm currently applying for a mortgage. When I went to upload my bank statements from U.S. Bank to the portal for my mortgage documentation on the morning of XX/XX/XXXX, I noticed they didnt say XXXX XXXX XXXX them. They had my address, but were addressed to XXXX XXXX. I looked back at my statements and saw this change happened between my XXXX and XX/XX/XXXX statements. This was completely shocking : Ive never changed my name and/or been married to someone with the surname XXXX, I withdrew money using my real name and account number at a U.S. Bank XXXX XXXX XX/XX/XXXX without anyone pointing out that the name on the withdrawal slip didnt match the name on my account. If they did mail me any documents, I wouldnt have received them because I live in an apartment building and only mail that matches my name on the mailbox gets delivered to me. I don't see any emails from U.S. Bank stating an account change occurred. 


Later in the day on XX/XX/XXXX, I went to a U.S. Bank branch in downtown XXXX at XXXX XXXX XXXX and met with XXXX XXXX who changed the name on my account back to my actual name upon me providing my social security number and drivers license. This does not update the name on the previously issued statements. I am submitting this complaint because I have not received any written acknowledgement that this error was caused by U.S. Bank, not me. 

The short explanation of why this happened is that U.S. Bank has TERRIBLE security. If someone told me on XX/XX/XXXX that this could happen, I don't think I would believe them. 

What I was told at the branch on XX/XX/XXXX is that someone else was changing their name at a branch in XXXX, MN in XX/XX/XXXX and that change got applied to my account. I have never lived in or near XXXX, MN. It has always been about XXXX hours of driving away from me. I confirmed I was not the person who made the name change request and I that was not in XXXX in XX/XX/XXXX. In my opinion, there are clearly no enforced requirements account changes are applied to the accounts owned by the person making the changes. This is an incredible security risk. Bankers can apply name changes to accounts without verifying the social security number of the person changing an account name matches the social security number on the account the change is being applied to?! I still can't believe it. They also dont require any proof of address to submit a name change request. I did bring my XXXX tax return to show my proof of address, but they said they didn't need it. I believe U.S. Bank shouldn't be allowed to continue operating as a bank until these egregious security flaws are fixed. 

I've attached the letter I received from U.S. Bank to present to my lender, but I am upset they don't admit they're the reason I had to deal with this in the first place. 

My credit cards were also closed last summer and I never received any notification that they were closed. This might become a separate complaint since it's about a credit account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX XX/XX/2022 XXXX BANK XXXX XXXX Balance XXXX {$16000.00} XXXXXXXX XXXX XXXX Balance : {$8300.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$24000.00} XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX : {$5500.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are 3 different dates reported under date of last activity, payment status, date reported, date opened, last payment, monthly payment and this means that possibly all 3 of the credit reporting agencies are reporting inaccurate information. Where is the inaccurate coming from and why is the information not consistent? Delete for inaccuracy. Delete accounts immediately due to violating my consumer rights under the Federal Credit Reporting Act law 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) Responsibilities of furnishers of information to consumer reporting agencies ( a ) 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. ( B ) Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 



15 U.S. Code 1681e ( b ) - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. DELETE IMMEDIATELY DUE TO INACCURACY. I have attached my credit report from XX/XX/year> with all the inaccuracies highlighted. This complaint serves as my dispute. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit card or prepaid card

( 1 ) I was making my payments ... ON TIME & just before I was to leave for the LAST family reunion I would 've ever had, & without any explanation, reasonable or otherwise, they Decreased my limit. Every time I made payments thereafter, they continued to decrease my limit & I 've been unable to use the card ever since.They continue to do so & while they 're at it, they 're attaching Over the Limit fees. How can I be expected to remain under the limit if they keep lowering it? I feel as though I 'm between a rock & a hard place because I sacrifice to make more than the required payment only for them to suck it up & leave me with nothing to show for it.

( 2 ) Some kind of way, Someone, REPORTED THE CARD LOST OR STOLEN, & it WAS N'T ME. Obviously & Again, my plans were altered due to NO fault of my own. They had NO explanation & to add injury to insult, they offered me a whole {$25.00} in recompense.

( 3 ) On a RECORDED line, I reported the loss of a rental car & they told me that the co would NOT be able to come right back & charge the card anymore. Well they did ... I had to talk to several agents & they ALL told me the same thing. They even issued a new card & STILL allowed the agency to charge that one ... Do n't recorded " promises '' mean anything? Every time I turn around, there the charge is AGAIN & interest on top of it.
Product: Student loan

School : XXXX University - XXXX, XXXX elected and agreed to a Reduced Rate Payment Plan with Navient/XXXX. In addition to being charged incorrect interest rates, my monthly payment was incorrectly allocated which is resulting in late fees and a delinquincy notice. After speaking with about XXXX customer service representatives and a call time of over XXXX hours, no resolution had been reached.
Product: Debt collection

I already talked over the phone to att to advising that this account was bundled to XXXX XXXX and it was pay off to XXXX XXXX. XXXX reported twice to my credit but they do not have the rights because this account was paid off.