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

This is my eight 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 an alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX/XXXXXXXX
Product: Student loan

On XX/XX/year>, I received a letter from Mohela stating that my loans are more than XXXX  days past due. I received this letter a day after Mohela 's responded to my XX/XX/XXXX complaint stating that they corrected my account and correctly applied my payments. As previously stated, Mohela 's claim that my accounts are past due can not be true because Mohela currently has XXXX payments made to them in the amount of XXXX  that they have not applied to my accounts. I have requested that the money taken from me be applied to my XXXX, XXXX, XXXX and XX/XX/year> payments which would make me paid ahead.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are names, addresses, and incorrect employer information that needs to be removed from my report as this information should not be on there. In accordance with the Fair Credit Reporting act my rights have been violated. 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 I recently reviewed my credit report and noticed some unauthorized information on my credit report. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 1681B 2. I never instructed anyone to furnish or create this report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Formal declaration dated : XX/XX/XXXX Formal Notice : Refusal to pay a debt. 
Reason : Identity Theft, account isn't mine. 
Notice : Under 15 USC 1692cc Regarding Accounts : XXXX ( Business ) and XXXX ( Personal ) and any other associated accounts. 

Dear Sir/Madam, I, XXXX XXXX XXXX hereby declare my refusal to pay, exercising my right under US law , specifically 15 USC 1692cc . Despite multiple notifications and formal declarations, XXXX XXXX persistently reports fraudulent account activities associated with my identity. Accounts starting with numbers XXXX and XXXX, erroneously linked to me, remain on your records despite originating in XXXX. I discovered these discrepancies in XX/XX/XXXX. 

I demand an immediate cessation of all communications and reporting regarding these fraudulent accounts in accordance with the Fair Credit Reporting Act ( FCRA ), particularly violations under sections 1681 i a-5 and 1681 e-b. Furthermore, I remind you of the provisions outlined in 15 USC 1692cc of the Fair Debt Collection Practices Act ( FDCPA ), which mandate the termination of communication upon notification of refusal to pay a debt, including reporting to any credit bureaus. 

Additionally, I implore XXXX XXXX to comply with 15 U.S.C. 1681c-2 by implementing measures to block information resulting from identity theft. Furthermore, an examination of late payments under 15 U.S.C. 1681a ( 2 ) ( 1 ) exclusions and verification of permissible purposes under 15 U.S.C. 1681b are urgently requested. 

Failure to adhere to these demands will result in further legal action. Please acknowledge receipt of this notice promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, MO XXXX Email : XXXX XXXX
Product: Prepaid card

There was an unauthorized charge on my American Express gift card. 

purchase date : XX/XX/2023 Amount : {$500.00}
Product: Credit reporting

After submitting dispute information with credit report agency I 've received no final response.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts have been disputed on these dates for these reasons : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Incorrect balance, the date reported, and the account type is inaccurate. 

XXXX/XXXX  XXXX # XXXX XXXX XXXX # XXXX
Product: Mortgage

We closed on a mortgage with American Pacific Mortgage XXXX  in XX/XX/XXXX. We pay additional money toward principle and we began attempting to work with them in XX/XX/XXXX because they were putting the additional funds in unapplied funds. They have passed us on to at least 7 people, all who respond with statements such as this is a mess, I will work on it, have blamed the problem on their service company, and have assured us that they have notated in our account that any additional funds should be applied to principle. We have begged them to sell our mortgage ; I have had many mortgages with many companies/banks, and have never experienced such inability to one, apply funds as requested with a simple straightforward mortgage, and two, and most concerning, to fix an issue in a timely manner. As of this morning, they applied our extra payment to unapplied funds and upon contacting them, sent us an email asking what we wanted to do with the funds. It is as if we have not sent at least 100 emails and spoken to at least 7 people about this very issue. We have no trust in this company and, in fact, have begun to wonder if there is fraud involved, as Im quite sure there are borrowers who do not attend to their account as we do. 
Thank you for your assistance with this matter.
Product: Money transfer, virtual currency, or money service

PNC is not letting me link my account with the XXXX  and XXXX.
Product: Mortgage

I have asked Rocket mortgage numerous times since XXXX of 2020 to update a legal name change. They have refused. Rocket Mortgage was very rude and used very XXXX language while trying to gaslight me into believing they have no obligation to follow federal law and update their system to reflect a legal name change
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Please block/remove these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Credit card or prepaid card

No money has been withdrawn to my knowledge, or used. However, there is still a hard inquiry on my credit report from someone who attempted to open an account with Wells Fargo ( XXXX XXXX XXXX ) on XX/XX/21. If the credit application was declined, that's great however it is affecting my credit score and needs to be removed!
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is in violation of 15usc code 1681 a ( 4 ) consumer right to privacy XXXX XXXX  Account Number : XXXX Please remove it from my credit report. I do not have ant account with XXXX XXXX.
Product: Credit card

I purchased a XXXX XXXX using a XXXX XXXXXXXX XXXX credit card in 2019. The ATV was paid off in full, and the credit card company sent me a lien release letter and signed title so I could transfer the title into my name. Unfortunately, I lost the paperwork at some point and forgot about it. 
In XXXX ( XXXX ) of this year I phoned the credit card company, Citibank, and explained the situation. They agreed to send a lien release letter so I could re-title the ATV. No letter arrived. I phoned again XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time, I was told they will send the letter, but I never receive it. I would simply like to have the lien release letter.
Product: Checking or savings account

On XX/XX/year> an unauthorized withdrawal was made against my Sun Coast Federal Credit Union saving account. in the amount of {$9000.00}. 

I did not authorize the withdrawal and was not informed before allowing to process through the bank. 

Nearly 30 days passed when on XX/XX/year> I was notified that both my checking and savings accounts were frozen due to fraudent activity. It was only when I called the XXXX that I learned about the fraudent transaction. 

I went to the local branch and changed both checking and savings account number and both our debit ch=ards. I also changed our online banking password.Next I completed a fraud affidavit with the banck.
Product: Credit reporting or other personal consumer reports

Under 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable reinvestigation of disputed items within 30 days. If the disputed information can not be verified, it must be deleted from my credit file. Furthermore, under 15 U.S.C. 605B, any unverifiable or inaccurate negative information must be corrected or removed promptly.

Additionally, I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Experian 's failure to comply with the FCRA. Despite my formal dispute, Experian has not conducted a proper reinvestigation or provided any reasonable evidence to support the accuracy of the disputed information. Under 15 U.S.C. 1681i, they are required to ensure the maximum possible accuracy of credit reports, yet they have failed to meet this obligation. This lack of compliance significantly impacts my creditworthiness and financial standing. I request that the CFPB intervene to ensure that Experian fulfills its legal responsibilities and properly addresses my dispute. 
Which included late payments from XX/XX/2024 XXXX XXXX Account XXXX XXXX The late payments reported on this account are inaccurate. Please conduct an investigation and provide verification of these late payments. If you can not verify their accuracy, please remove them from my report immediately. Additionally, Experian does not show any information regarding this negative item, which raises further concerns about its validity. 

XXXX. XXXX, XXXX Account XXXX XXXX This account contains inaccurate information that requires correction. Please verify its accuracy, and if the information can not be substantiated, remove it from my credit report as required under FCRA regulations. 

XXXX XXXX XXXX XXXX  Account Number XXXX This account is inaccurately reported. I request an immediate investigation into the accuracy of this account. If it can not be verified, please delete it from my credit report. 
Please provide me with written confirmation of your investigation and the actions taken. If any changes are made to my credit file, please provide me with an updated copy of my credit report. Additionally, if you deny my request for correction or removal, please provide the method used to verify the information. 

Thank you for your prompt attention to this matter. I look forward to your response within the legally required timeframe.
Product: Credit card

On XX/XX/XXXX16 I sent a letter to Wells Fargo requesting a payment plan for a past-due credit card account.
Product: Credit card

I had completed a balance transfer with sears credit card last year which expires XXXX XXXX, 2016. I then was offered a couple deferred payment purchase offers in the last couple of months. I am trying to pay off the balance of the expiring balance transfer with no luck. Since the last statement I have made approximately about {$1000.00} of purchases which still has n't closed yet, and have made excess payments in order to pay down balance transfer for XXXX XXXX. Now my overrall balance is {$100.00} over the total promotional balance offer total, so none of the excess payment money is being allocated to the promotional balances. I contacted sears and they told me it goes to higher interest rates first, but if that 's the case why is n't those balances getting lower instead of saying the same. I also thought that in the last two months credit card companies were required to apply the excess payments to the expiring balance transfer first. The other question is why the regular purchases being taken off when the statement has n't even closed yet, to allow the 25 days or so of free interest. I believe I 'm getting XXXX around here.
Product: Debt collection

I subscribed to XXXX a while back to used since they boasted that their service was for real people and that it would be easy to find many nearby people that were active. After trying to use the service, everything had to be paid to do anything and you were only able to see partial message from supposedly real people. Well after signing up to use and trying what they offered. I began to noticed that the majority of people on there were bots, catfish, scams, or just inactive. Totally different from what they had you believe. After using for a couple of weeks with no luck, I decided to cancel the service and send an email to them to cancel and delete my account. They then tried to tell me that I had to pay the remaining balance even if the service did not work as intended. And that they didn't care if the service matched up with what they were expecting people to pay. And now they are threatening me by sending me to a collections agency ( RFGI ) and threatening me with legal action for a service that never worked. They don't do anything to build their service and actually try to make their service better for customers. They only want to reel you in and charge you significant amount for a service that doesn't work like it's supposed to.
Product: Mortgage

I am XXXX  impaired and asked for a coupon booklet with South State Bank Loan no. XXXX. They said when I refinanced my investment property I stated that I did not want a booklet. I said I was never asked that nor did I respond that I did not want one. I told her it is hard for me to pay on line when my XXXX  gets XXXX  and could the bank give me a reasonable accomodation. I called customer service and spoke to two representatives twice and also to two supervisors and they told me my reasonable accomodation is to pay monthly XXXX to pay my bill over the phone. I told them that is not a reasonable accomodation under the American with Disabilities Act ( ADA ). The bank official said yes it is. Then someone called me back to say there is nothing they could do for me. I have other investiment properties and have coupon booklets for the year what is the problem here? Two customer representatives even hung up on me. It is my opinion and belief that their service is egregious and I have been doing real estate since 1975. The representatives at the bank would not give me the President of the bank 's name or corporate headquarters address to which I responded " Don't you do business in the U.S. and aren't you regulated by the federal government. They said it is not the bank 's fault but the loan officer 's fault ( a South State Bank employee ).
Product: Debt collection

Debt has been unverified by XXXX, there was no contract signed for debt to XXXX and no proof that debt is owned by me.
Product: Consumer Loan

The persons in the office does n't communicate when calling customers to ask them when they will be in to pay. The keep calling several times a day everywhere and anytime during the day. They also do n't give you chance to respond back to them and after responding there is another person who still calls the same way. Lack of communication inside the office.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Reporting on Possible Financial Inc. Accounts I am filing this complaint to dispute inaccurate credit reporting related to my accounts with Possible Financial Inc . The details of the accounts are as follows : - XXXX  Account Number : XXXX ( Reported by Possible Financial Inc. ) - XXXX Account Number : XXXX ( Reported by Possible Fina ) I have taken the following actions to resolve this matter directly with the credit reporting agencies and the creditor : - I have submitted requests for validation of the debt and verification of the accuracy of the information being reported on these accounts. 
- Both XXXX and XXXX continue to report inaccurate information regarding these accounts despite my efforts to dispute the data. 
- The information being reported by Possible Financial Inc. to both XXXX and XXXX is inconsistent and appears to be incorrect. 

This inaccurate reporting has caused significant negative impacts on my credit score and overall creditworthiness. I am requesting the CFPBs assistance to ensure that Possible Financial Inc. and the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ) and either provide proper validation of the accounts or remove them from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a wrong and fraudulent collection on my credit report from XXXX for the amount of {$430.00}. This is a collection agency that seems to be engaged in XXXX. 
I made many requests and efforts to clear the information since XX/XX/2020, but credit bureaus just confirmed with the collection Agency, the XXXX, and reported the collection as correct.
Product: Credit reporting or other personal consumer reports

I have a collection from XXXX XXXX and XXXX on my TransUnion credit report. This collection account never had a application, nor did I have any kind of account with that company. How did they all of a sudden put Negative, damaging, and Not my collection from that company, onto my TransUnion credit report. 

I have put in Disputes after disputes with TransUnion. They are not looking into this collection and realizing that I never opened any account with this company PERIOD. 

I ask that this XXXX be removed from my TransUnion credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  sent me a email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items from my report. 

XXXX XXXX  XXXX {$460.00} XXXX XXXX XXXX {$1000.00} XXXX  XXXX {$510.00} XXXX XXXX XXXX XXXX {$180.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account XXXX : XXXX XXXX Account XXXX : XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX  Account Name : XXXX XXXX Account Number : XXXX 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
Product: Credit reporting

They have n't removed XXXX address where I have never lived and it has caused me problems when I apply for credit. The addresses are XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXXXXXX I have lived in only XXXX states in the past 45 years and that 's XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This does not belong to me I have no debt with XXXX, I currently have XXXX and worked for them 8 years and have had my account ever since. Please remove this from my account immediately. Its shows it was opened 3 months ago this is definitely incorrect.