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

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance : {$120.00} XXXX XXXXXXXX Balance : {$13000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reporting a late payment status with Experian, but reporting current with XXXX. This account also does not report a credit limit or any amount nor reporting as a closed account. This information has been reporting to Experian and XXXX, but left on my report to continue to cause damage, Under 15 U.S. Code 1681i- it states that If after a reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency must promptly delete that item of information from the file of the consumer, or modify that item of information to reflect the results of the reinvestigation.
Product: Debt collection

This is a medical account with XXXX XXXX in connection with a hospital visit on XX/XX/XXXX. The debt collector is NCC. They have been harassing me for the past few months by robocalling/ leaving me at least 3 open voicemails on my cell phone without any message. I spoke with them on XX/XX/XXXX and verified the debt and asked that they stop doing that because it is annoying and taking up too much of my time when no one actually calls you. My phone does not ring. It goes immediately into voicemail and a voicemail isn't left. I need that to stop.
Product: Student loan

My original school loans were with XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. I have never took a loan from Nelnet. 

I requested Nelnet to provide what loans are they servicing now that Nelnet is the loan servicer. 

The only explanation for me to pay these invoices are based on sketchy promissory notes that Nelnet provided. This is not a proof that I've taken out these loans. 

I want connection to the original loan to Nelnet invoices. 

For instance - Sheet 1 reverse indicate Nelnet Consolidation. What loan Nelnet paid to consolidate that I need to pay Nelnet {$27000.00}. I've never took any loan from Nelnet. 

What are DPLUS shown in Sheet 2 reverse? 

Nelnet invoices are based on these sketchy promissory notes hand written and I've never agreed to have my loans serviced by Nelnet. 

I would like better explanation of exactly what loans are Nelnet servicing for relating to my original loan with account number and amount of the loan so I can be confident that I am paying for the correct loans that I took out.
Product: Checking or savings account

On XX/XX/2023 I started receiving emails from Bank of America stating they received my application and my account was approved. 

I have several accounts with Bank of America and was concerned. I called them immediately and they advised they can not see anything on their end. 

On XX/XX/2023 I received more emails stating my email address has been changed. I immediately went to a bank branch and they looked up the account and said there was a checking account opened in my name with my social security number, address and the email address was changed from my actual one to a different one. They told me that I needed to contact their fraud department. 

I contacted their fraud department on XX/XX/2023 and they advised they closed the account due to fraud. 

I have since been receiving debit cards in the mail and statements ( XX/XX/2023 ) which leads me to believe it hasn't been closed. I want this account closed. I have received nothing from Bank of America indicating it has been closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was researching my credit report and noticed some inaccuracies that are keeping me from obtaining employment, housing and transportation. If you find these items to be verified, please include the policies and procedures that you used to investigate this account in your response. This is a direct dispute and should be handled as such. Thank you.
Product: Credit card

I am writing to report an issue regarding the bonus points offer I received for my Chase credit card. The offer stated : " Book now through XX/XX/XXXX, and you'll earn XXXX bonus points for purchasing a hotel. XXXX by XX/XX/XXXX, to get rewarded. '' I completed my hotel booking and traveled in XX/XX/XXXX, meeting all the stated conditions. However, I have not yet received the XXXX bonus points as promised. 

Please investigate this matter and let me know if any additional information is needed to resolve this issue. I look forward to your assistance in ensuring the reward is credited to my account. 

Thank you for your attention.
Product: Checking or savings account

on XX/XX/year> Minnesota revenue states my property tax DIRECT DEPOSIT rebate send on XXXX online banking does not show up showing this- called bank where and why not showing- waiting several long minutes and ask another person look into- still says not seeing- told that's the problem why- representative says well how much is the amount said {$1700.00} and I then asked well- why would-you be asking the amount? what's the need to know amount- irrelevant- if not seeing in pending- I stated it's a Direct deposit on this date- All day XX/XX/year> Not showing in account- Next day XX/XX/year> shows online banking***ALREADY COMPLETED ON XXXX ** I HAD NOT ACCESS TO XXXX DID IT EVER SHOW UP AS PENDING- YET NEXT DAY HAD ALREADY '' COMPLETED- SKIPPING THE PENDING AND I HAD NO ACCESS TO UNTIL NEXT DAY. ILLEGAL WITHHOLDING MY MONEY ON XXXX SHOW PENDING YET NEXT DAY COMPLETE*
Product: Debt collection

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS Affirm Inc ( Account Number XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from Affirm Inc WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the report of a XXXX XXXX XXXX  XXXX cancellation account that appears on my credit report, and to request its removal due to multiple inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).
Product: Mortgage

See attached. Whether you realize it or not i am XXXX. 

You destroyed my entire life and i didnt even commit mortgage fraud. You know it. i know it. yet you think its okay to treat me like a liar loan. To be controlled. 

i never was given a fair shot at righting this wrong you heinously done to me because you staged or controlled everything down to court proceedings. 

i dont care. 

i have nothing. i will not be able to come back from this if are still here still in my phone still trying to control. i didnt get anything, remeber?! nor was i asked to sign anything like a non disclosure. Not my fault! 

Stay the XXXX out my phone, leave me alone, and move on like im attempting to do. you dont treat any other homeowner like me like this because there are no innocent homeowners caught up in you liar loan system when they dont belong in it, just me. Rooting into every phone, hacking everything around me purposely. All night i have to listen to your non stop relentless noises of hacked things all around me. 

STOP DISCRIMINATING AGAINST ME AND LET ME BE! 

FOR THE LAST TIME! 

Being left alone is the only chance i got at getting back to functioning in the world like needed to come back from this destruction you did to my life. Why cant oyu give me at least that when it doesn't cost you a thing!
Product: Checking or savings account

On XX/XX/year> and XX/XX/year>, I turned in complaints on the XXXX, Florida branch of Centenial bank for excessive overdraftfees, for not using the same good business practices with placing business accounts into overdraft protection without account holders knowledge or permission, such as they have to do with personal accounts. The company admitted that they overdrafted my two 501 ( c ) 3 accounts for over {$5000.00} dollars in fees. I was supposed to be removed from the overdraft protection after requesting to be opted out, being told by teller supervisor that I was not in the overdraft protection program though I had been and was still recieving overdraft protection fees. After signing paperwork, reporting the company, complaining to the branch manager and district manager, I was finally out of the overdraft protection program, but against good business practices, I have been placed back in the overdraft protection program without my permission and again charged a {$35.00} overdraft fee on an {$8.00} purchase. Against honesty and transparancy standards, nowhere in the Overdraft Privilege Account Disclosure, does it state that the overdraft protection program is mandatory or automatic. It is discribed as a " OPTION '', which is defined as anything other than mandatory.
Product: Mortgage

Applied for home loan to purchase a home in XXXX 2016, was sent a pre approval letter. Submitted all required documentation as requested, as well as paid for appraisal. Was told multiple times that all looked good for XX/XX/XXXX closing. Was continually asked to resubmit documentation, which I did. 
Received a call 2 days before closing stating that our loan was denied, due to the fact that we paid rent with cash for four years to the same landlord. 
The landlord had provided 6+ months of rent receipts as well as a letter stating, that we paid cash each month, landlord also filled out BOK form sent to her stating the same. XXXX XXXX, the contact at XXXX that I was working with was very condescending from the get go and only got ruder as time went on as if she did not want to have anything to do with us. 
Fast forward to XXXX 2016, we have gone on to speak with a different mortgage company and repeated the drill, providing documentation, etc. 
they as well as I have requested the appraisal be transferred to them from BOK and XXXX XXXX refuses to do so. So we are now having to pay for another appraisal on the same property that was just appraised XX/XX/XXXX. 
Of note when I was unable to get XXXX XXXX to transfer the appraisal and my husband called to request the same, XXXX XXXX was extremely rude, condescending and in fact hung up on my husband.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXXection 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit card

I have a Carnival XXXX Card with Barclay. We have used this credit card on multiple accounts to take cruises and we use this card during our cruise for purchases. Barclay decided to lower my credit limit, even though we pay on time every month, never have missed a payment and continue to have exceptional credit with this company. Creditors do not understand that these decisions cause huge credit issues for the holder of such accounts. My credit limit needs restored to the limit that I was granted, and these companies need to be held accountable for their actions. If they have the right to lower credit limits and/or close accounts without any notice to the consumer, than these actions should have NO impact to the individuals credit worthiness. It is XXXX  and a violation of my constitutional rights. I work hard to pay my bills and I do not need negative impacts to my credit because these companies think it is in their best interest to punish the consumer for using the credit cards that they issued. Credit scores fluctuate all the time, and this should not be any factor in the decisions that these companies are using because our credit system in this country is in dire need of restructuring. It's amazing how they can just do whatever they want at any time with no impacts to them, but the consumers who make the money for them to keep them in business take all the downfalls. This particular credit card was just paid down enough to allow some breathing room and they take everything I paid and now my credit usage is maxed out again. Go Figure! It's wrong and this is an injustice that needs dealt with by an agency that can make a difference in the way these companies treat the American consumer.
Product: Debt collection

Hello, this is in regards to Client Reference # XXXX with the XXXX XXXX XXXX and Collections Account # XXXX The XXXX XXXX XXXX hired solicitors to go around the neighborhoods to create new accounts. I signed up for a Sunday only subscription about two years ago.

For whatever reason, I never received the Sunday paper that I wanted for the local coupons. After a year, I received a bill in the mail to renew my subscription. There was a customer service number on the bill and I called to complain about not receiving our paper. It was explained to me that they were sorry and that they would look into it. I would like for someone to please, please look into this as I am sure that they will enter a negative report on my credit rating. 
Thank you for looking into this. 
Respectfully, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received my credit report on XX/XX/year> and notice there were accounts that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. In acordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MI XXXXXXXX XXXX XXXX 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 a account without my written instructions 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. I also asked for the original contract to be provided and it was not.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting actXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions. 
I sent dispute letters To Transunion, XXXX, and XXXX on the following dates XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX, and I haven't received any response from the 3 credit bureaus listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting two accounts on my TransUnion credit report that is not correct. XXXX shows a balance of {$6000.00} and XXXX shows a balance of {$7600.00}. They have actually confirmed with me on the phone that I only have one account with them and I am making payments. This is inaccurate and a violation of the FCRA
Product: Bank account or service

I have an account with Bank of America and I mailed a check out on Tuesday XXXX, 2015 from XXXX to XXXX. I had enough money in the account to cover the check and then some. I paid my credit card before the check was cashed. I checked my account this afternoon, Thursday XXXX, 2015 and noticed I had XXXX overdraft fees for {$35.00} for a total of {$140.00}. All of these were caused because the check that was mailed was put in front of the rest of the transactions. I called Bank of America and told them that there was no way that the check got from XXXX to XXXX and was cashed before the other transactions. The person on the phone told me that they could only wave XXXX of the {$35.00} overdrafts fees. The check should not have been placed at the front of the transactions because the other transactions happened before the check was cashed.
Product: Debt collection

Called company on XX/XX/2018, acknowledged my debt, and stated that I would make payments on my debt. At that time, the person said that I could settle for 60 %, and it would be marked as paid, settled for less on my credit report. I could also make those payments in 3 installments of XXXX over the next 3 months. I made the first payment that day. I called back on XX/XX/2018 and made the remaining 2 payments at once to finish my obligation. 

My credit report was updated to reflect the 3 payments - but it still lists a balance owed. 
I called the company on XX/XX/2018 to discuss the status of my credit reports and was told that the balance would remain until I paid it off. 

That is NOT my understanding of the word " Settled '' and marking my account as " Paid '' and I would like my credit report to indicate that I paid the negotiated amount and I no longer owe them any additional monies, based on the settlement agreement made on XX/XX/2018. I don't understand how I still owe money when we agreed to settle for less and I could take the derogatory mark that says " settled for less '' on my credit report. I would like to see the balance on my credit reports taken to XXXX ( XXXX ). I would also like to see the individual month notations for XXXX and XXXX to indicate something other than " failed to Pay '' or " FP '' because this is inaccurate too. I did pay those two months as I was instructed to do based on the phone call I had on XX/XX/XXXX.XX/XX/2018. Ideally, remove the entire tradeline from my credit reports.
Product: Debt collection

Received a letter XX/XX/XXXX stating they were collecting on behalf of a Dr that I hadn't heard of and if within 30 days I didn't respond they would  report it to the credit bureau. 
I called the hospital to find out who this Dr was and why it wasn't paid with the hospital bill and didn't get an answer. While I was trying to find out who and why I was charged with this bill on Th first of XX/XX/XXXX they did tag my credit report. They didn't wait 30 days as the letter stated. I paid it in full and said I will do my own investigation and told them they were not fair by not waiting 30 days to let me investigate and they admitted the error. I asked they would remove the delinquent remark on my credit report they said they would and also would give me the original bill so I could find the Dr and the charge. To date 10 days later there hasn't been any change to my credit report or have I received the original bill.