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

Hello - I have completed multiple disputes with Experian, XXXX  & XXXX to remove all accounts with Account # XXXX - XXXX XXXX XXXX/XXXX but always get 'Updated ' result. They are ALL Closed and still showing on my credit file. These all opened starting at XX/XX/2003 & have been closed over 8 years with XXXX balance. Please have the bureaus delete these accounts as there is no contract or balance.
Product: Credit reporting or other personal consumer reports

I contacted TransUnion stating that there was inaccurate information on my consumer file. IAs per the Fair Credit Reporting Act ( FCRA ), only inquiries made with a permissible purpose are legally acceptable. Unauthorized inquiries not only violate my privacy but can also adversely affect my XXXX XXXX. 

I kindly request that you initiate an immediate investigation into these unauthorized inquiries and proceed with their deletion from my credit report. This action is crucial to maintaining the accuracy and fairness of the information reported by your agency, as mandated by Section XXXX of the FCRA. 

Please provide a written confirmation once the unauthorized inquiries have been successfully removed from my credit report. Additionally, I request an updated copy of my credit report reflecting the corrections made. 

Your prompt attention to this matter is highly appreciated. I trust that you will handle this dispute with the urgency it deserves, ensuring compliance with the FCRA regulations.
Product: Mortgage

My Heloc was modified in XXXX, and I have made payments consistent with the amounts scheduled in the modification for 12+ years- including SLS for more than a year. Earlier this year, SLS claims they accidentally adjusted my maturity date in accordance with the original HELOC note ( maturity of XXXX ) as well as the payment due was adjusted upward. Once SLS reviewed the modification, they corrected the maturity date ( to a maturity date of XXXX ) - though they did not adjust the payments back to the agreed upon schedule in breach of the agreement. SLS is claiming that in order to pay the note in full by the maturity date of XXXX, that the payment must be adjusted upward and the schedule in the modification agreement is just a guide. While the modification states that it is a guide- it ignores not only XXXX years of strict adherence of multiple servicers to the payment schedule ( which I have paid in full and on time ), the precedence set, but also the additional guidance within the modification agreement that SLS ignores supporting that there could be a significant balance remaining due at maturity that must be paid in full at that time. I have a highlighted copy of the modification agreement- which shows not only the table of payments- but also the areas that SLS has not responded to which further support my comments that the payment in the schedule could have principal and interest components that vary monthly ( as a simple interest loan ) but the total payment due will equal the amount in the schedule. Paragraph 11 of the modification states that the loan is payable in full at maturity- indicating that at the point of maturity the balance could be significant ( potentially requiring the borrower to find a lender to make the final payment ). This supports my statement that the agreement I signed- and was agreed upon for 12+ years, that payment due follows the payment schedule as outlined in the modification agreement and that it should not be adjusted if there is an instance that requires the payment to be recalculated routinely if principal payment is insufficient. Further I paid a few days early or on time ( on autopayment ) on a regular basis, which would reduce the interest owed in terms of the agreement ( in the case of the early payments, not the on time payments- but most months was a few days early ) - and not add to the interest necessitating additional principal repayment in the first place. The terms of the modification- legally, 12+ years of precedent, and the spirit of the modification were to align with the scheduled payment plan which now reflects an increased principal payment causing the monthly payment to far exceed the amount I agreed upon. Additionally, SLS damaged my credit score by reporting the modification 12+ years after the event occured ( as the original modification was not recorded publicly ). This resulted in a XXXX point hit to my credit score. Since the event happened more than a decade prior, my credit today should not be impacted by an even that happened so far in the past. SLS claims they did not enter a negative credit event- but that is precisely what their actions resulted in.
Product: Payday loan, title loan, personal loan, or advance loan

I had previous filed a complaint to the CFPB on XX/XX/2023 against PatientFi the complaint # XXXX in regard to making payment of a loan that all the service was not rendered from XXXX XXXX XXXX XXXX XXXX XXXX. The chief compliance officer, XXXX XXXX XXXX had responded on XX/XX/2023 to my complaint and had apologized for any connection with their services. He had stated that he had contacted XXXX XXXX XXXX XXXX XXXX XXXX after an investigation for my concerns. The provider, XXXX XXXX XXXX XXXX XXXX XXXX, stated to PatientFi that some of the services was received but not all and would be contacting me directly to determine the amount of services that I received and will notify PatientFi so that my loan amount can be adjusted. Well as of this day, XX/XX/2023, I have not received any communication from XXXX XXXX XXXX XXXX XXXX XXXX about a resolution to my concerns. I did reach out to two customer service representatives XXXX and XXXX about my concerns and the response from the Compliance Officer. They just told me that I needed to reach out to the provider, XXXX XXXX XXXX XXXX XXXX XXXX and get the refund for the unused service. I asked could I get a contact number for the office of the Compliance Officer, and they stated that they did not have it, which was puzzling to me. It seems as though my concern is going on deaf ears and I don't think as a consumer that I'm being treated fairly and PatientFi is using unjust and unfair business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent account was opened in my name XX/XX/XXXX.  I became aware of the debt on my credit Early XX/XX/XXXX. I have contacted USAA 10x. Everytime I Call I get transferred 2-3x. I have disputed my credit report several times. USAA has not sent proof that the debt belongs to me. In XX/XX/XXXX I called XXXX   fraud department to dispute the validity of the debt on my credit. The XXXX  fraud representative has called USAA on the phone 3 way to dispute the information. Even sent police reports and a fraud packet. Still no resolution. 
On XX/XX/XXXX I once again called USAA I was transferred to 5 different times. You can speak directly to the fraud department I was told by the last representative I spoke with that there were several fraud investigations opened from when I had been calling in all year but yet no one has done anything. USAA refuses to anything. There not investigating or they havent provided any documents proving I opened the account or it belongs to me. It still remains on my credit and when I dispute it as fraud all they respond to the credit bureaus is updating the data on the collection. I had a fraud alerts on my account when the account was allegedly opened and I was never contacted by USAA to verify my identity.
Product: Credit card

I received a {$50.00} AMEX Gift Card from a friend. I have tried to use it several times at businesses that accept AMEX, and the card is always denied ... ...... The card is not out of date and I contacted AMEX Customer Service to confirm that there is {$50.00} on the card. They confirmed that the card is good for {$50.00}. The card is always denied ...... 

Please have AMEX send me a {$50.00} check and warn other consumers of the AMEX fraudulent Gift Cards ... ... ... ......
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine. I keep writing messages that I want this item to be removed however I am absolutely ignored. This item is not mine and it has never been related to my accounts at all. Please remove
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 

XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

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

I have received a data breach letter from XXXX and XXXX. I have tried disputing the items on my report but was told there is nothing no one can do. I should only have one account XXXX XXXX I have so many inquiries and accounts that I know nothing about like XXXX and XXXX. I have contacted IDENTITYTHEFT.GOV and submitted a complaint as well XX/XX/2019
Product: Credit reporting or other personal consumer reports

I have tried to contact experian on multiple dates in XXXX and XX/XX/year> to resolve log in issue to unfreeze my account. It is impossible to contact a person and their automated systems will not work in my situation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ( it aslo states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, TransUnion, and XXXX XXXX XXXX  with no successful resolution. XXXX, XXXX, and TransUnion only reporting me 30 days late twice. There was definitely an error on their part. I was never two times 30 days late.
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act. 
XXXX XXXX act # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S. Code 1692b - Acquisition of location information ( 2 ) not state that such consumer owes any debt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX I do not owe any debt or am I a resident in the state of SOUTH CAROLINA There are 4 violations circled on the attached correspondence from the mentioned company.

15 usc 1692 C 15 usc 1692 D ( 2 ) 15 usc 1692 B ( 2 ) 15 usc 1692 G ( A )
Product: Debt collection

Ive already sent a letter to Thomas & Thomas. Ill attach it and also paste it here ... 

This is in regards to the letter I received claiming that I owe XXXX. XXXX {$2900.00}. I dont owe them a penny. I never received the coins I ordered. This is very easy to prove. Their package was shipped requiring signature confirmation. I never signed for the package because it was never delivered. The post office simply lost the package. Contact them and they will tell you the same thing. I will not pay for something I never received. Ive already been through all this with XXXX. XXXX. Dont contact me about this again.
Product: Credit card

Chase.com lists a phone number for the following : " Litigation documents, Summons and Complaints, Foreclosure, Bankruptcy documents, Governmental Inquiries or all other documents : Legal Papers Served JPMorgan Chase Bank , N.A . 
Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA, XXXX United States XXXX XXXX : Fax No. : XXXX or XXXX XXXX XXXX. : XXXX '' The phone number listed is not in service and should be updated or removed from the website.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. 
XXXXXXXX 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 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

To : Whom It May concern : I am writing to dispute a fraudulent charge on

my account in the amount of {$0.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$0.00} -This is not my account.
Product: Checking or savings account

On XXXX I Filed a complaint for fraud to the amount of {$3500.00} with Wells Fargo XXXX They temporarily credited the amount of {$3500.00} to my account and I received a written letter in the mail on XXXX Stating that after there investigation into the matter the fraudulent charges were authorized by me or someone else that I knew and that the claim has been closed. In other words they were unwilling to help me.This is NOT true and none of those charges were authorized by me.
Product: Credit card

fraudulent charge showed posted to my credit card account. Charge XXXX XXXX FL.
Product: Checking or savings account

There was always a error in charges and disputes, they over charge for fees, did not disclose accurate balances, unfair how they said they tried to resolve but never could
Product: Mortgage

XXXX XXXX XXXX I was told I was cleared for closing after a long process, my first date given was XX/XX/XXXX, then XX/XX/XXXX then XXXX and final XXXX. All these time I was told I wouldn't have to bring any money to the table. I received a second email to go see XXXX to sign paperwork but I still haven't seen the Prefinal CD. I'm clueless as to how much my mortgage will be, if everything will still be good with me not needing money for closing. So I replied and asked to be told nothing changed but you have to bring {$1100.00} for closing. So now I'm confused, because I went from not needing money for closing to need money, so obviously something changed. I went through the pliot program with XXXX and Ameris XXXX, so to me the math is not mathing. I've been requesting the prefinal CD, still no responds from the lender. As well ss the supervisor who has not been any help with this process. From the team that dont communicate, and show the lack of concern for the consumer. My realtor has been advocating for as well, ecause the amount of money that was stated i will haveshould been more than enough on a {$130000.00} loan I'm stressed and this home buying process with Ameris as been horrible. Services are being force such XXXX XXXX Nothing has been shown or discussed with me since new changes have been made.
Product: Payday loan, title loan, or personal loan

Onemain I'm so sorry with all the complaints It's Just I have disputed this information with the Credit agencies so many times But they keep claiming that you verified the account as correct. But I beg the diff this is why so many disputes Per the FCRA a charge off should not report missed Payments XXXX Missed payment Please delete this account ASAP Due to fcra violation late payment for XXXX / XXXX / XXXX / XXXX of XXXX also XX/XX/XXXX This CAN NOT Report on the consumer credit files please delete from all three reporting agencies
Product: Credit reporting

My son 's name is similar to my name. He has very bad credit, including judgments against him. My credit was very good until his information started being reported on my credit report. We discovered this last year ( XXXX ) when my wife and I were building a new home. We contacted all XXXX credit bureaus asking them to delete my son 's information. For some reason, Equifax did not fix their errors. We have contacted Equifax by phone, by letter and by submitting a dispute via the internet. We have been trying to get our fixed rate loan since XXXX and are getting denied because of my son 's information on the Equifax report. They 're saying that rates are probably going up and we want to get locked in at the lower rates. It should not take XXXX more days to fix something that they were told about a year ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I called on numerous occasions to get answers about the misreporting of my personal credit score to the Small Business Administration. They have been reporting my score more than 95 points under what they are showing me in my Experian  Membership Profile. My Report Score on Experian Membership Profile : XXXX as of XX/XX/2020 however the letter from the SBA says the Experian Credit Score : XXXX as of XX/XX/2020. That is a very significant difference. Each time that I have called they have found some reason to transfer me and place me back on hold for extremely long periods of tine WITHOUT even asking me what my issue is. After waiting on hold for a Supervisor over 1 hour today, she then proceeded to also answer the phone and insist that she could not help me much before even listening to my issue. She REFUSED to listen. She then hung up in my face! Her name is " XXXX '' and I called GA. This has got to stop, these people are supposed to be there to help customers however they are becoming just as evil as ever before now!