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

I filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I haven't received any investigation results.
Product: Credit reporting or other personal consumer reports

Dear Equifax Subject : Formal Dispute of Inaccurate Information on My Credit Report I am writing to formally dispute certain inaccurate information on my credit report, which I believe is adversely affecting my financial well-being. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I request a thorough and prompt investigation into these inaccuracies, as required by federal law. 
I wish to draw your attention to a recent legal action initiated by the Consumer Financial Protection Bureau ( CFPB ) against XXXX. The lawsuit highlights serious concerns regarding Experians failure to adequately investigate consumer disputes. Specifically, the CFPB cited the following unlawful practices : Conducting inadequate investigations that fail to properly address consumer disputes. 
Reinstating previously disputed and incorrect information without appropriate explanation. 
Failing to properly notify consumers of the results of investigations. 
These actions are indicative of systemic deficiencies that undermine consumer protections and contribute to the persistence of erroneous information on credit reports. I am concerned that my dispute may be subject to similar mishandling.
Product: Credit card or prepaid card

I made a payment of approximately {$4000.00} to my XXXX  XXXX credit card using Bank of America ( the card issuer 's app ). The app didn't provide a confirmation, so I waited several business days and tried again. 

Once again, there was no confirmation in the app, by email, or the Bank of America website. Then a few days later, a double payment of {$8000.00} dollars was withdrawn from my checking account. 

I called on XX/XX/XXXX to resolve the issue and get a refund. I was told the money would be returned within XXXX business days. It is now XX/XX/XXXX and the money has not been refunded.
Product: Mortgage

I have a home equity loan that is being serviced by Select Portfolio Servicing ( SPS ). This loan is a 15 year loan that is scheduled to mature on XX/XX/2021. The current balance reflected on my loan by SPS is {$17000.00} and my monthly payments are {$1200.00}. My account is not delinquent and with 3 months of payments remaining, the loan will not be fully amortized as it should be. There will be a balance owing of {$13000.00} that includes an agreed upon 3 month payment deferment of {$3800.00}, leaving an unpaid principal balance of {$9800.00} that is incorrect. Since XX/XX/2021, I have attempted to resolve this matter with SPS numerous times as I should not be responsible for a balance for which payments have been made. In my review of the payment history that was provided, it does not appear that payments were properly applied to my account and several unusual adjustments were made. SPS representatives indicated that an audit would be performed on my account and that I would receive a resolution to the disputed amount remaining at the maturity of my loan in XX/XX/2021. 

The responses that I received were inadequate and did not address the disputed principal balance. The first response I received on XX/XX/2021 included a 15 year amortization schedule that suggested that my current principal balance should be {$3800.00} instead of {$17000.00} ; however, no adjustment was made to correct it. The second response that I received on XX/XX/2021 referenced adjustments made to the payment history but stated that the balance of {$17000.00} was correct as stated although it does not match the amortization schedule. There was no documentation provided to support this statement. It suggested that I am responsible for the overstated principal balance. For your review, I have attached the " dispute resolution '' letters that I received from SPS. 

Again, I would like this matter resolved prior to the maturity of the loan on XX/XX/2021 to avoid any negative impact to my credit reporting.
Product: Student loan

I have called the Mohela customer service line several times since XXXX ( it is now XXXX ) and can not get through to talk to a human representative. I have waited up to XXXX hours and still failed to get through. From XXXX through XXXX, the customer service line recorded message specifically addressed my concern about a forbearance while IDR and PSLF applications pend, and stated that the forbearance was in process. I rested easy even thought I couldn't get through because the recorded message alleviated any alarm bells that were going off. Now, in XXXX, that recorded message is gone, my forbearance has not been placed on my account, my IDR and PSLF applications are still pending, and I am received bills for a monthly payment on the Standard Repayment plan. My account is not delinquent as of the first due date, which was XX/XX/year>. I still can not get through on the phone. I sent an email on XX/XX/XXXX requesting the forbearance and for someone to get in touch with me. I have not received any communications.
Product: Debt collection

Hello, I was contacted by CREDIT COLLECTIONS U.S.A. ( XXXX ) due to an unpaid bill from one of the clients they represent XXXX ). 
I do not have a signed contract with XXXX XXXX XXXX. 
They abusively performed dental services that I did not request and were not beneficial in any way to me. 
I contacted CREDIT COLLECTIONS U.S.A. and show them the contract that XXXX XXXX XXXX made me signed was improper photo copied contract and that was unreadable because the left edge of the contract was missing and a good part of the words were missing. 
CREDIT COLLECTIONS U.S.A. still wants to represent then and still wants me to pay the amount although I have no contract with XXXX XXXX XXXX. 

Please contact me if you have any further questions, XXXX XXXXXXXXXXXX
Product: Vehicle loan or lease

had a 2yr lease w/ GMF w/ autopay. 1st pmt made at the dealer, leaving 23 in lease agmt. 22 pmts pulled correct, the 23rd pmt was cncled, GMF admits their partner, XXXX XXXX, cncled last pmt. I did not know or authorize this.
Product: Credit reporting or other personal consumer reports

Account Name XXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX RE : Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. The following account ( List name and number of account ) is reporting a balance of ( enter balance amount ) when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing of ( enter balance amount ) on my consumer file. This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. Please provide me with the return of the time and form as prescribed by regulation or the Secretary of my name, my address, my XXXX, the date, and amount of the discharged/charged off debt and any other information as prescribed by the Secretary. If not, then I would demand that the account be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel. Thank you for your time and consideration in this matter. I look forward to hearing a favorable reply. Please forward any correspondence or changes to my credit report to the address listed above. Regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have factual documentation regarding a dispute I filed with Toyota Motor Credit creditor and the bureaus still do not investigate correctly to remove the Charge Off of f my credit report. I have letters from creditors that state account was paid in full closed and total loan amount paid. because they said they already investigated the issue no further action can be done.i need help to resolve this matter my credit score has dropped substantially Fromm XXXX to the 500 's due to that derogatory info. My father as well is impacted on this issue because he is a co signer.
Product: Debt collection

I recently discovered inaccurate and unverifiable Bankruptcy on my credit report with TRANSUNION. I spoke with XXXX XXXX Transunion supervisor, XX/XX/2021 and he told me that court was reporting it and I told him I have the court document show they are not reporting it. I did not consent to, authorize nor benefit from any of the following account attached is the identity theft report. I have asked for an investigation report and never received it. The law says this that it should be removed in four days and it's been over four days as you can see on the REPORT, I sent it on XX/XX/2021 and today is XX/XX/2021. 15 USC 1681-C 2 ( a ). ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 15 USC 1692 ( A ) ( 1 ). 15 USC 1681 ( 3 ) ( E ) ( e ) the term ''investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and permanent deletion of fraudulent accounts and inquiries on my credit report that were a result of a recent data breach, which has compromised my personal information. I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) as a victim of identity theft to have these unauthorized items removed from my credit file. 
Accounts to Be Blocked and Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I sent a letter of validity via certified mail. It looks like this company received it on XX/XX/XXXX. I have not yet received any response. I need my license for work and this companies lack of Information is holding up for me.
Product: Credit reporting

MY XXXX ACCOUNT IS PAID IN FULL PLEASE REMOVED FROM MY HARD CREDIT INQUIRY THANK YOU
Product: Checking or savings account

Capital one 360 closed my account with no notice. They are denying me access to XXXX dollars in funds and basically holding my money hostage. I received no notification that my account would be closed. I have bills to pay and need to have access to these funds. These actions are predatory and ridiculous. They gave me no indication of why my account was closed and told me it could be up to 3 months before they would consider giving me my money back. I expect them to allow me access to transfer my money to a new bank account.
Product: Mortgage

The payment changed and we and we did not realize. We are behind about {$1000.00} or so. We were sent modification documents. We filled them out and sent all supporting documents by XXXX about two weeks now and we have not heard anything.
Product: Credit reporting or other personal consumer reports

Spoke to a representative I believe the name was XXXX. Stated I had to mail in documents, in the middle of the conversation regarding my identity theft report, representative went silent and disconnected call. TransUnion sent a letter saying my Identity Theft Report filed through identitytheft.gov wasnt valid proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter requesting that you reinvestigate the disputed accounts from my credit report as well as update these accounts from my report during the investigation period. As of this date, you have failed to respond to my request. Here are the accounts that I wanted to fix. 
XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2600.00} ; XXXXXXXX XXXX XXXXBalance Owed : {$15000.00} ; XXXX XXXX XXXX  Balance Owed : {$18000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPARTMENT OF ED/XXXX, ACCT # XXXX DEPARTMENT OF ED/XXXX, ACCT # XXXX DEPARTMENT OF ED/XXXX, ACCT # XXXX XXXX DEPARTMENT OF EDUCATION, ACCT XXXX XXXX XXXX DEPARTMENT OF EDUCATION, ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ACCT # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have a right to privacy.

15 U.S.C. 1681 section 602 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I appreciate your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Cavalry Portfolio is reporting to the credit bureaus that I have a paid collection with them that is in conjunction with XXXX from 2011. I contacted XXXX regarding this information and was told that my account with them had been sold to XXXX XXXX, therefore, it is not possible that the Cavalry account is mine.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$570000.00} Late/Open XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$570000.00} Late/Open Inquiry in Dispute : XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I get repeated calls from this debt collection agency and every time I answer it, I say 'hello " 3-4 times and the call ends on their side. I am working when these calls come in and it is unacceptable. Today I finally took time from work to call this phone number back. I reach an agent with Midland Credit Management. Allegedly they 'bought ' a debt from XXXX. I asked this person for a debt validation letter to which she responded " We sent you one in XX/XX/2021 and can not send another but we upload all documents to our website that you can access ''. I educated this person that I am not comfortable entering identifying information on an unknown website and asked, again, for signed documentation that this debt belongs to me and a copy of the debt validation letter allegedly sent to me this year. The person argued that they can not send a new letter. Educated person that I am only requesting a copy of the letter they are stating they sent to me as I never received the first one. She said they can not access documents to resend and again referred me to the website. I explained the the person that if they are sending me anything that they should be saving/uploading the original letters and they should be accessible to be resent. This person and this agency is refusing to provide me with any proof that this debt is mine in addition to refusing to send me a debt validation letter via MAIL. I was on the phone with this person for 17 minutes and when I told her to give me the company website, name and address and mentioned filing a CFPB complaint she told me that she was having technical difficulties and I need to call back. I told her that is absolutely unacceptable. The call was ended.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a late payment that has been reported on my credit file. After reviewing my credit report, I noticed an inaccurate late payment listed on my account that I believe is incorrect. I have reviewed my payment records and I believe this reported late payment is an error. I request that you investigate this matter and, if found to be an error, promptly remove the late payment from my credit report. Please let me know if you need any additional documentation or information to support my claim. Thank you for your immediate attention to this matter, and I look forward to your timely response. 

Account with late payment : SMS Financial , LLC - XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXXXXXX {$96000.00} XX/XX/XXXX XXXX XXXX {$510.00} XX/XX/XXXX XXXX NOT RECOGNIZED XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX 1681section 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. 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. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

All this happen XX/XX/XXXX of this year i had try to talk to bank told them i didnt make purchase of plain ticket i had done all but they said clain not paid so im asking for help to get this fix im sending document of what was file and had contact bank of america and giving a no answer and just closin case so pleae help me out
Product: Checking or savings account

On XX/XX/2020 hackers accessed my XXXX account and three unauthorized orders of cell phones from XXXX were purchased using my HSBC debit card. 

None of these orders were authorized. 

See all three orders attached. Note that one was caught as fraudulent and canceled by XXXX ( when they froze my account as it was hacked ), one was disputed and refunded, and the last was not refunded. Another order was refunded after I initiated a dispute. The third order, for {$960.00}, was disputed, but denied in dispute by HSBC. 

It should be very obvious to HSBC that I would not purchase 3 phones in the span of 2 minutes at XXXX in my local time. This is why XXXX recognized my account had been accessed without authorization and froze my account and reset my password. 

In HSBCs response to me, HSBC made note of the sellers response, but did not reference my letter or evidence provided to HSBC previously. 

This is very obviously a fraudulent purchase and should be refunded in full, as I noted in my many letters to HSBC. No refund was given. 

Im attaching multiple conversations with XXXX customer support, and the merchant, where I alerted them to the fraudulent purchases. Refunds were issued for the {$1000.00} and {$690.00}, but not for {$960.00} as the merchant has been uncooperative. 

HSBC refused to refund the amount and ignored my many letters and didn't return my many phone calls and voicemails.
Product: Checking or savings account

My account was reported for fraudulent activity due to a student loan deduction of approx {$50.00}. I spoke with the student loan provider directly and worked out a deferment. My bank completed a deny payment and put a hold on my account. I spoke with the representative directly who advised me my funds would still be available and any bills being deducted would be able to process but I would have to walk into a branch. I walked into a branch and attempted to deduct my funds which they refused to do. I asked them to transfer it to my savings ( account not closed or flagged ) so I can do a withdrawal. They refused to do this. I left and called Huntington customer service. The customer service representative/manager stated I could walk into a branch and the branch can remove the hold. The representative stated she would speak to the branch manager herself. I walked back into the brand, with the representative on the phone, and spoke with another manager. I put the phone on speaker and the representative told the branch manager they will not remove any hold on my account and since I walked into the branch they could not assist me anymore and ended the call. I was lied to! At this point it was XXXX XXXX and the branch was closed. It is illegal to hold funds from me. I am filing a police report and lawsuit against HUNTINGTON BANK.
Product: Credit reporting or other personal consumer reports

chime bank - secured credit card i do not owe anything please take it off my credit report XXXX  XXXX credit card- i do not owe them anything they are lieing about money owed progressive car insurance- i do not owe them i canceled the XXXX XXXX XXXX XXXX please take off all their claims, i do not owe them a dime of money at all please take off all hard inquires