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

I have been working on my Experian credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Address that should be deleted are XXXX XXXX XXXX XXXX XXXX, IL XXXX and there is XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 ( i ) 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( 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.
Product: Vehicle loan or lease

XX/XX/18 Regarding Toyota Motor Credit. We had not received our statement by the time the payment was due. I contacted the company and they said that they only send out statements as a courtesy and I have to request a statement/bill be sent. They have been sending out the statements for two years. I have no way to mail my payment without a statement to send with my payment.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain inaccurate and fraudulent information that appears on my credit report, as these items are the result of identity theft. Pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), I am requesting that you immediately block and remove the following negative items from my credit report : Account Name XXXX XXXX XXXX XXXXXXXX XXXX XXXX negative months Account Number : XXXX  Account Type : Secured Card Date of Account : XX/XX/XXXX Open/Closed : Closed Status Account charged off. {$420.00} written off. {$120.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Account Name : XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX Account Type : Debt Buyer Date of Account : XX/XX/XXXX Status : Collection account. {$2200.00} past due as of XX/XX/XXXX Status updated : XX/XX/XXXX Account Name : XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX  Account Number : XXXX Account type : Collection Date of Account : XX/XX/XXXX Open/closed : Closed Status : Collection account. {$1500.00} past due as of XX/XX/XXXX. 
XXXX updated : XXXX XXXX The fraudulent items listed above are not authorized by me, and I have never had any association with these accounts. In accordance with the Fair Credit Reporting Act, I am entitled to have this information blocked and removed immediately from my credit report. Enclosed, I have provided the following documentation to verify the identity theft : A copy of my government-issued ID ( e.g., driver 's license or passport ). 
A copy of an identity theft affidavit. 
Proof of residence, such as a utility bill or bank statement.

A copy of the relevant sections of my credit report, highlighting the fraudulent items. As stated in FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ), you are required to block the reporting of these items within four business days of receiving this notification, and I expect that my credit report will reflect these changes promptly. Please send me written confirmation once these items have been blocked and removed from my credit report. I look forward to your prompt resolution of this matter. 
Thank you for your attention to this urgent request. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

A couple of months ago I received an escrow analysis that my payment was going to go up. I did not have money to pay the shortage so I noticed my payment went up almost {$400.00}. I checked online and noticed that US Bank has XXXX County and XXXX which are not suppose to be there. I live in XXXX County, and we pay for XXXX and XXXX. It has been a month since I reached out and have made numerous calls without resolution. I have not made my car payment because I needed to pay my mortgage. I am worried that again I am going to default on my other bills since my main concern is to keep my home. I keep getting the run around and I even requested a supervisor which she told me she would call me and never has. I need my escrow fixed and to have my payment fixed.
Product: Debt collection

In XXXX i notified XXXX XXXXXXXX that i was facing financial hardship. I was unemployed and had a credit card i opened up after a XXXX  following a severe accident in XXXX. I told XXXX XXXX in XXXX that i was unemployed and asked for their credit protection option for help with my balance due. I was declined the coverage and instead was charged at least 5 past due fees. I was even charged a fee in XXXX of XXXX when i paid on my bill on the correct time. When i indicated that i was unemployed and facing financial difficulties my option were not provided. I was told i had no coverage for protection against past due fees and i was not eligible for rebates or program. Instead i was charged additional fees and then in XXXX it was transferred to a debt collector. The collector is collecting on the past due fees i was charged. On top of the past due fees, i was notified in short form that i had to pay a {$650.00} recovery fee on top of the balance of my cards. This was reported to Malen & Associates who capitalized all past due fees and recovery fee and filed on civil lawsuit on behalf of XXXX XXXX. I attempted to settle with Malen & Associates minus the recovery fee and past due fees and was immediately sued.
Product: Debt collection

To whom it may concern, I was going over my credit report and found this account ( Wakefield and Associates ) on all 3 of my reports. I 1st tried to contact Wakefield and Associates by phone on XX/XX/2022 to have them send me any information on this medical bill debt. I received no answer from the number provided on my credit report. I then disputed this debt with all 3 credit bureaus over the phone and they came back as being verified. So I then sent a certified letter to Wakefield and Associates on XX/XX/XXXX asking them to please send me information to verify this debt, I did not receive anything from them. I sent one last letter to all XXXX credit bureaus asking how they verified this medical bill to be mine and correct and I have not received anything but an alert on my reports that this medical bill was again verified. I also sent one more certified letter to the collection company Wakefield and Associates on XX/XX/2022 and still have not received anything to verified this debt. This company is also adding {$3.00} almost every XXXX  weeks to this debt. So if they can add more money to this collection every XXXX weeks or so they can answer the letters I have sent as well as a call I placed to get answers. I am trying to do the right thing and its making my score drop and keeping me from reaching my goals of homeownership and I am now at the end of my rope and need help.
Product: Prepaid card

I was offered this US Bank ReliaCard for my FAMILY MEDICAL EMERGENCY LEAVE INSURANCE due to medical leave from my GOVERNMENT JOB. It was advertised as a debit card. It is not a debit card. The card rejects most all purchases, merchants reject the card because it is a prepaid card. The US Bank ReliaCard customer service line registers me as a user but says the security code from the back of the card provided is incorrect when it is not. Not incorrect. Really taking advantage of vulnerable people in need. How am i supposed to pay my rent? Get groceries? I WORK FOR THE STATE OF COLORADO SERVING THE COMMUNITY. THIS IS WHAT I GET FOR BEING ON A SERIOUS MEDICAL LEAVE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Regarding Equifax credit report Dear CFPB, I am victim of identity theft. Someone got car loan with my details from XXXX XXXX XXXX. I sent all my documents such as SSN card, police report, drivers license and latest utility bill to three credit bureaus to prove that I live in my current address, did not buy any car in last 2 years, and so did not get any car loan from any financial institution. XXXX  and XXXX have investigated and removed the account from my credit report. However, Equifax is not removing the account from my file. I sent request to Equifax two times. They refused to remove the account from my credit file. Car seems to be bought on different address. Not my current address. I sent all documents to prove them that Im living in my current address for last two years and told them I didnt buy any car in last 2 years. I sent latest utility bills too. How can they add new address in my credit file in XXXX-2017 and send their credit file to my current address? It is odd. They sent credit file to my current address and added new address to the file. 
I have decided to bring this issue to your notice because Equifax is not going consider my request. Can you please work with Equifax and try to resolve the issue. I really appreciate your help in this regarding.
Product: Payday loan, title loan, or personal loan

I am on XXXX and the interest on the loan and the payments are too high. I am in hardship and I need a reasonable payment plan I tried talkin to someone but the payment plan included past due payments. The past due payment on top of the regular payment was too much. Its too expensive to have butI needed it at the time.
Product: Mortgage

I am requesting a short payoff off not a short sale. XXXX XXXX XXXX  XXXX XXXX A short payoff is when a lender agrees to accept less than the full balance of the mortgage loan as payment in full for the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Store XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX FLa. XXXX XXXX XXXX Sales Rep # : XXXX XXXX On Wednesday XX/XX/2019 at approximately XXXX hrs, I, XXXX XXXX XXXX went to T-Mobile- XXXX, XXXX XXXX   XXXX XXXX XXXX XXXX. Upon purchasing the new XXXX Plus XXXX, I specifically asked Sales Rep # : XXXX if it was a soft hit or a hard hit on my credit and his response was it was a soft hit, however, on XX/XX/2019 I received an email from my XXXX account indicating on my FICO that Sales Rep # : XXXX had lied about this matter. I called customer service and spoke with rep XXXX and she too admitted that the employee should have known. She also stated for me to go back to the to the store and speak with the manager which i did. I called and I spoke with his manager XXXX and he said that he would speak to him about this issue. When I confronted Sales Rep # : XXXX about this matter his response was quote, Hey XXXX my bad I got coached and go into trouble and I feel bad and apologize. 

I ask that Equifax DELETE this unauthorized inquiry from my credit report immediately as he admitted by stated that. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, 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- ( i ) promptly delete I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below, and I have included proof of my social security and current address to avoid any delays in your response time. 

Another reason that this inquiry is inacturate is because the above named on the receipt is not my name and or spelling is incomplete.
Product: Credit reporting or other personal consumer reports

I have submitted my identity theft report along with the dismissed paperwork from the court when I provided proof of identity theft. The court acknowledged i do not owe debt but it is still reporting on my credit report
Product: Credit card

Spoke with multiple people and returned manager XXXX call on case XXXX. Expressed Great concern over the fee and the financial hardship thos would cause an already delicate situation. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. In today 's economic climate I can not afford this fee. The company has been unsympathetic and unwavering. I seek to either have the fee waived or close the account.
Product: Prepaid card

I received an American Express gift card that was activated on XX/XX/XXXX and worth {$100.00}. It is valid through XX/XX/XXXX. 

I attempted to use the gift card in person on XX/XX/XXXX at XXXX- it was declined. I attempted to use it again on XX/XX/XXXX at XXXX XXXX XXXX in person- it was also declined. 

American Express ' gift card balance site tells me the following : " ON HOLD Your Card is unable to be used at this time. Please immediately call the customer service number on the back of your Card. '' There is no reason why this card should be on hold. I should not have to call customer service knowing from other documented cases that I will be on hold for long periods of time only to be told I need to try at other stores. It should absolutely not be this complicated to use a gift card. 

The screenshot is what I'm now seeing on American Express ' gift card balance site when I try and log in right now - yet another frustrating aspect. " The system has experience an unknown error. Please wait a few minutes and try again ''. I have waited more than a few minutes and I still can not log in. 

I would like to add that I am a longtime American Express credit card holder and have always been very satisfied with their services, so it is shocking that their gift cards are this frustrating to use.
Product: Credit reporting or other personal consumer reports

I recently mailed a letter requesting verification of inaccurate accounts reporting on my credit report that your bureau maintains on XXXX XXXX2024. I received a response stating that the accounts were verified on XXXX2024.

I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( A ) ( 7 ).

To be clear, per FCRA 611 ( A ) ( 2 ) ( B ), your agency is require to forward all relevant information to the original creditor to ensure a proper investigation of my dispute.

I am requesting you provide me all information used for your investigation, as required by FCRA 611 ( A ) ( 7 ). 

I have enclosed a copy of the following items that are reporting negatively and inaccurately on my credit report. 

Per the FCRA you are required to provide this information within 15 days or deleted the negative items from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts below have violated my Federally Protected Consumer Rights to Privacy and confidently, pursuant to 15USC 1681 section 602a which states that I have a right to privacy. They have violated my rights under The Financial Privacy Act of 1978 and credit denial in violation of 15USC 1681a ( k ). This entity also violated 15USC 1602 ( p ), violates 18USC894. Using my TRADENAME without express written consent in violation of O.C.G.A. 16-9-93.1 Names Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CORPORATIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX DEPT OF EDXXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX They have violated my rights and restraint of trade in violation of 15 USC 1 and 15 USC 2. Additionally it clearly states under 15 USC 1681 section 604a section2 that a consumer reporting agency can not furnish an account without my written consent. 15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report contain any of the following items of information. Any other adverse item of information other than records convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( a ) Duty of furnishers on 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 accurate.
Product: Money transfers

I would like to close my Paypal account, " XXXXXXXXXXXX ''. I received email from Paypal that " After reviewing your account, we have decided to close it because of security issues. '' Paypal stated " funds have been withdrawn/transferred out of the PayPal system to a bank, online bank, ATM or prepaid card. '' They are incorrect. After speaking to a customer service representative today, I was told I could not withdraw my funds for 180 days. However, this is not satisfactory, since I have no outstanding transactions and would like to receive the full balance immediately.
Product: Credit card or prepaid card

XX/XX/ ssdi deposited {$910.00} into son 's account he was never able to access those funds and complaints and calls began that day. XX/XX/XXXX they state comerica took it back out. Comerica states they don't do this, Direct Express handles all this. SSADMIN and the federal treasury state direct express has it.I have called back and forth between these companies throughout XXXX and XXXX. Today XX/XX/ XXXX XXXX  we have stopped payments for future to direct express but I was told by SSADMIN that I have to pursue payment for XXXX and the run around has been all day on the phone again. I have an account # that matches nothing direct express has ever given my son and a trace number for the XXXX check but I'm being told by both companies they can not research this information. This has to stop and my son needs his XXXX. They will not fix this from just me fussing. Please help.
Product: Debt collection

XXXX XXXX is the first time I was contacted about this. My brother had been contacted months ago about the issue. They first told us it was about a broken lease, I explained to them that I paid the lease in full before I moved out and they actually had proof verifying my statements. That same day they called my brother back telling him if we did not go to the collection agency office to sign the contract of payment they will get him and myself fired from our jobs. My brother asked her why and how she would do this, she said she couldnt give him details because it was illegal but she had our employers information and she will contact them. A few hours later she called us back with a whole different story on why we owed {$1000.00}. She said it was cleaning fee and because I have left a couch in the apartment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has stolen my identity, apparently to open accounts and gain profits in my name. I'm not sure who did this to me. Not sure how they obtained my information. I don't know quite where to go from here. 
These are the accounts that was opened in my name. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 

According to Fair Credit Act all credit bureaus must be accurate with reporting to all 3 bureaus. In accordance with Fair Credit Act these companies listed has violated my rights. 15 U.S.C. 1581 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 report agency can not furnish an account without my written consent. 

These are the hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

Also, all information on reports must match across all 3 bureaus, and every account has numerous errors on them. None of them matches up on the same on all three bureaus. 

In closing these accounts are the result of someone else taking advantage of the loopholes. I ask that something be done about this immediately.
Product: Debt collection

XX/XX/19 I went to court and Midland funding offered me an settlement to pay off {$840.00} the offer was {$420.00} I agreeded and paid it in cash in front of the courts and judge. It is now XX/XX/XXXX and this is still on my credit reports XXXX, XXXX, XXXX. It's not fair that it has not been clearded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several years ago I spoke with a representative of Bull City Financial. I told them that I had sold the business and the new tenant took on the responsibility of the utilities. I have a copy my credit report showing that they are still reporting me as responsible. I also have a copy of the Assignment and Assumption of Lease Agreement that specifically addresses the utility bill issue. I can upload them for your review.
Product: Debt or credit management

XXXX XXXX, credit repair company back in XXXX  me with their services to assist with credit repairs. The upfront charges were {$190.00} and then {$130.00} monthly then after the fourth month, I reached out to the company because I was instructed to do so by them. When I spoke with someone they stated that someone would get back in touch with me via email or by text. The only text I received and email were from XXXX  XXXX  marketing team soliciting me to sign up with them for their services. Even still today XXXX, the same company keeps sending text and emails asking me to sign up with them for their services. I have never once seen any changes nor was I contacted about my account with them.