23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Greeting Please see attached FTC Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Greetings to whom it may concern, Credit Bureaus are not accurate and just putting anything on credit and refuse to correct. 

Dispute 1 Late Payments Please see attached all documentation. 
Please look at the information that I am disputing on my credit report, this information is inaccurate on my credit report. I am sending a copy of my credit report and inaccurate information on my account. This information is wrong and needs to be addressed. Please correct information concerning all these accounts. ( Please see attached ) I am asking for a full investigation. Please fix this report effective and immediately. Also I am disputing the credit inquiries that are not mines and needs to be removed. 
Please send me written confirmation, also include proof that youve complied with section 623 ( a ) ( 4 ) of the Fair Credit Reporting Act to the National Credit Bureaus. 
Thank you for your cooperation. If you have any questions concerning this matter I can be reached at phone number above. 

Thanks in Advance Experian : Please investigate and mark paid as agreed. 

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Product: Credit card or prepaid card

XXXX/XXXX/XXXX, I went to the Texas state fair and talked to a representative of XXXX Firm about the promotional display they had. He asked if he could run my credit to see what types of product I qualified for which I agreed to, but he never asked if I wanted a credit card, and the form I filled out was not an application for a card, just authorization to pull my credit. I ended up not purchasing a mattress, and thought that was the end of it. 
On XXXX/XXXX/XXXX, I received a credit card with a {$14000.00} limit from Synchrony Bank, that could be used with a few select vendors, including XXXX Firm. On XXXX/XXXX/XXXX I called Synchrony bank, and they advised they could close the account, but that they would not be able to respond to my complaint about the fraudulent opening of the account, and that they could not remove any credit reporting impact caused by opening and closing account in a short period of time. 
I need assistance in getting this off my record, and some action taken against XXXX XXXX Bank for the deceitful and railroading practices they employ in extending credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My adult daughter purchase some sofas back in XXXX From a company called XXXX XXXX XXXX XXXX  '. She was going through a tough patch and like any mother, I decided to help her by taking one of her bills off her hands. 

She was a single mother with XXXX babies. I called the company and told them to charge my account monthly. they set it up over the phone, every month they took {$180.00} until they final payment on XX/XX/XXXX. 

I thought I was done, but according to the secretary whom I only spoke to on the phone, I was told I had to make 3 more payment of {$180.00} for the buyout of {$560.00}. I paid them and never heard back from them again. Mind you, they have my telephone and work number which has never changed. I never got a letter, ever because like I said, the contract was my daughters who lives at a different address. 

Now 6 years later I get a letter from a Rozlin Financial Group saying I purchased sofas and never made any payments {$1900.00}!! I called to tell them they was some mistake, I didn't know any Rozlin Financial Group, Then they said it was a leasing company and they bought the debt. First they said there was one payment missing in XXXX of XXXX. They side if i could show I made that payment they will delete what was put on my credit, I got my bank records and showed them they charged my card. then they came with another excuse, I realized they were just fishing, anything to get me to fork over more money to these scammers!!! 

The worst part is they are making it seem like I opened and account in XXXX and never paid them. They are lying and saying I owe them {$1900.00} Now! They refuse to send me the original contract with my signature or printout of payment made and who made them. They said they done't have any of that information. Truth is they do not want to submit it because they know that contract was not mine! I don't know how to expose these scammers!!! 

I want to see the original contract with my signature!!!! Attached is what they sent, this is no contract, this is just a piece of paper they generated to say what ever they want!!
Product: Credit reporting or other personal consumer reports

You failed to remove information and I need it removed per FCRA Section 611 you must permanently delete everything that is identity theft. 

I do not care what the companies are reporting as verified. I signed an affidavit for both an identity theft report and police report and I am telling you I NEVER applied for or opened or closed the accounts with the companies I listed ( I listed again below ). Someone STOLE my identity and my personal information and applied for, opened, and closed these credit card accounts with the companies listed below. You MUST comply and delete them off of all of my credit reports and the companys histories permanently immediately including any hard inquiries, opened credit card accounts, or closed credit card accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Also I should see zero hard inquiries on my credit reports. Inquiries on my end that I see but there could be more to be deleted : All of XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX  XXXX hard inquiries I also 12 wrong addresses that do not belong to me with various variations and suite or unit or apartment numbers ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) reporting on my account. My first name is not my middle name so please remove that as wells These are all fraudulent due to identity theft and Must be deleted immediately! 

You also keep adding these items back and these are fraudulent identity theft and this needs to stop. 

Per FCRA Section 611 you must delete these items permanently immediately as they are identity theft fraud. 

Again I will repeat : You are failing to remove the credit cards that I never opened and the inquiries that I never made even after I sent over my FTC documents and Police Reports. However the hear fraudulent inquiries and credit cards were added back to my credit reports fraudulently. These credit cards and hard inqiruies need to be removed immediately and NOT added back : Credit cards to be deleted : All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX credit cards that appear as closed need to be deleted immediately and also notify these companies so they can delete them on their end. Inquiries to be deleted : All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX hard inquiries need to be deleted immediately and also notify these companies so they can delete them on their end. Again this is identity theft and by law you are required to delete all of them and required to reach out to the banks and companies to delete them and required to reach out to all other primary and secondary credit bureaus to delete them. This must happen immediately. Please do not add these items back again!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX was never late ! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I have been getting denied from every bank that I have applied for this has also affected my business funding. 

I have never ever had an account with XXXX XXXX 

XXXXXXXX XXXX  closed date XX/XX/year> Balance {$340.00} I wish to dispute these aforementioned negative entries. According to Section 611 of the FCRA, 15 U.S.C. 1681i, I have the right to challenge the accuracy or completeness of any information in my file. Should any discrepancies exist, I ask that they be promptly investigated and corrected, and that I be provided with an updated copy of my ChexSystems report. 

I appreciate your prompt attention to this matter.
Product: Mortgage

In reference to the previous 2 complaints prematurely closed, XXXX and XXXX, Caliber Home Loans has already been provided all requested documentation proving it is Caliber, not XXXX or anyone other company, which owes me my money. The following facts will prove the preceeding statement. 

In Caliber 's response to complaint XXXX, Caliber responded with reference to loan number XXXX Who does that loan number belong to? Not me, because as we all know and have covered numerous times in both complaints as well as Caliber 's payoff confirmation letter sent to me as attached to complaint XXXX, my loan number was XXXX. 

In addition, today when I called XXXX XXXX Customer Service Department on Caliber 's recommendation at XXXX, they still have NO RECORD of my loan number. They have NO RECORD of my address. I have NEVER had any business with XXXX and they have no business with me. 

Fact : This is not a XXXX problem. This is a Caliber Home Loans problem. 

Evidence of this is documented, well-known, and again proven by the letter in which Caliber sent me that the loan was to be transferred to XXXX on XX/XX/XXXX. However, in the XXXX complaint response, Caliber admits " Our records indicate the loan was paid in full on XX/XX/XXXX ''. This is indisputable proof that the loan was not transferred because there was no loan to transfer. In addition, Caliber will note on the calls it records and the records it keeps that I had already called at the beginning of XXXX requesting a payoff amount and Caliber 's own agents confirmed they would notate my account and watch for the funds to arrive, and they arrived in full. 

Caliber states " Caliber requires full complete bank statements ( all pages ) which was not provided until XX/XX/XXXX. '' This documentation was provided 2 DAYS after requested from Caliber 's response on XX/XX/XXXX, which appears in complaint XXXX. I, however, have been attempting to have Caliber return my money plus interest and fees since XX/XX/XXXX. We are now 5 MONTHS since XXXX. Therefore, my response to Caliber is " XXXX requires full complete payment of overpaid funds of {$1100.00} plus {$750.00} research fee and at 35 % interest for a grand total of {$2500.00} which Caliber has owed since XX/XX/XXXX. '' However, Caliber Home Loans still to this day CONTINES TO OPERATE A FRAUDULENT COMPANY. Caliber continues to make excuses, cause unnecessary delays, continues to fail in communication, continues to fail in stating loan numbers correctly, continues to fail in truthfully returning my money it knowingly has, continues to fail in seemingly forwarding a paid-off mortgage by Caliber 's own admission to XXXX, a company that has no record of the loan, continues to fail in taking ownership of a problem that is exclusively their own, and continues to fail in honest business practices. 

Caliber Home Loans should be fined and penalized to the fullest extent of the law. Further delays equal legal action.
Product: Credit card or prepaid card

My credit card had two fraud transactions on XX/XX/XXXX in the amount of {$31.00}, the only transaction ending in # XXXX was on XX/XX/XXXX in the amount of {$25.00}. The transaction was on XX/XX/XXXX in the amount of $ {$450.00}. the card number is # XXXX. I did not use this card since XXXX and I didn't recognize these two transactions. I received the email about the cred card statement indicating the total amount of {$480.00} on XX/XX/XXXX. I went to the bank of America branch bank located at XXXX XXXX XXXX XXXX, NY XXXX XXXX and the bank receptionist provided XXXX to call. I called that number after I stepped out of the bank and it was XXXX XXXX and the representative told me they would need 7-10 days ' investigation. I received a mail after that and it showed the bank '' we're unable to approve your recent claim ''. I called the bank to report the card lost on XX/XX/XXXX because I couldn't find my credit card ending in # XXXX. 

I called Bank of America 's credit card fraud department on XX/XX/XXXX for a second investigation and they want me to wait 7-10 days for the result ; however, I have never received an email or mail of the investigation result. I called them on XX/XX/XXXX regarding the same issue and I was told the second investigation was denied, the representative told me if I don't make the payment amount of {$480.00}, that would affect my credit. My response was " those two transactions were not made by me and I didn't authorize any of these two transactions '' I repeat the same thing over two times ; however, the representative was very rude. I went to the branch bank on XXXX XXXX for the same issue again but the issue still wasn't been resolved. 
XX/XX/XXXX I went to the local precinct to file a report ; however, I was told that I couldn't file a report unless bank of America requested. 
XX/XX/XXXX I went to the store XXXX XXXX on XXXX XXXX XXXX XXXX, NY XXXX for the on XX/XX/XXXX in the amount of {$31.00}. the store manager told me they couldn't find that transaction. I went to XXXX 's for the transaction on XX/XX/XXXX for the amount of $ {$450.00}. On XX/XX/XXXX I called XXXX 's at XXXX and I found out this transaction was made by store purchase. Bank of America didn't investigate these two transactions.

During these two transaction times, I was working so I wouldn't make these two purchases. I have been making many phone calls and trying to resolve this issue but the bank wasn't helping at all. For all these times I have been doing wasn't getting any help at all.
Product: Credit reporting or other personal consumer reports

Kindly eliminate these inquiries. I lack any information about them, and the company acted without my approval.
Product: Money transfer, virtual currency, or money service

Dear Wells Fargo Claims Assistance Team, Subject : Follow-Up on Claims and Investigation Documents Claims # XXXX, XXXX, XXXX Good afternoon,, Thank you for your response and for providing the details regarding my claims. I would like to clarify a few points : I have not yet received the mailed documents related to the {$540.00} transaction that were referenced in your previous correspondence dated XX/XX/year>. Additionally, I am still awaiting the investigation documentation for the claims of {$420.00} and {$650.00}, as my initial request was submitted on XX/XX/year>. I would greatly appreciate if Wells Fargo could provide these investigation documents promptly, as required under Regulation E. 

I have attached additional documents pertaining to the claims for your review. I kindly ask that Wells Fargo reexamine my case and process the chargeback accordingly. Please let me know if any further information is needed from my side. 

Thank you for your attention to this matter and looking forward to your prompt response. 

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

On X/X/2017 I obtain a copy of my credit report from Equifax and notice inaccurate and incorrect information being reported as well as duplicate. 
I know this can be investigated and corrected please validate or remove because these items are only showing in my Equifax report and not the other 2 reporting agencies. 
This is not a refusal to pay but a notice to remove paid accounts and duplicate accounts with the same information please validate or remove because these items are dropping my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXX XXXX XXXX XXXX  Date of inquiry:XXXX XXXX Date of inquiry:XXXX XXXX  Date of inquiry:XXXX SYNCB Date of inquiry:XXXX
Product: Credit reporting or other personal consumer reports

For years scammers have mess up my credit accont.they even clean out my bank account and open accounts in my name.i have written & call the credit Bureas for help but they refuse to help me.so me trying to get a home for me and my family seems impossible.becuse the Bureas refuse to help me plus i had strokes ( 4 ) times.i was told to sue them but am asking for help one more time
Product: Mortgage

XXXX XXXXXXXX has been Posting & Distributing misleading advertisements without proper disclosure. In fact, there are NO disclosures on this advertisement. 
This is one of several advertsisements I have seen lately. 

It seems all that XXXX XXXXXXXX is arbitrarily running advertisements for mortgages and feels they are exempt from Fair Housing Regulations. 

This is DECEPTION at its finest and due to the number of these types of advertisments lately it seems XXXX XXXXXXXX is aware and has done nothing about it.
Product: Credit card or prepaid card

An authorized user was removed from my account accidentally. I wanted them added back to my account but the consumer stated that the system does not allow them to. I was told that there was a policy stating I could not add them was read in the terms in conditions when adding an account user but that is incorrect. It just states what the account user can or can not do. The particular rep who told me this and was rude was named XXXX employee ID # XXXX. The employee hung up on me when I asked for someone to explain things to me in a better way because I dont see the policy. I even looked in the credit card agreement and it is not there. 

On the site it gives you ways to add and benefits but not what happens if someone is removed from the account. 

Another rep did attempt to help and he was confused by the system and could also not find anything in the policy. 

I would like this user added back to the account. It is affecting a lot of things.
Product: Debt collection

Michael J Adams PC have seized my bank accounts by taking a legal action to hold my accounts. I was not aware of the suit or notified that this action of bank garnishments would be a result. I only was able to know whats happening based on calling the bank that put a hold on my account and they made me aware, this debt is behind the limit of staturation as its been almost a decade of an account I had with XXXX XXXX XXXXXXXX. I can not contact the company as they will not respond.
Product: Vehicle loan or lease

eep driving the car as I will incur additional fees for going over the mileage. They offer me a new loan that is so expensive and I said but I would not be able to afford that payment, I want something that I can afford. I contacted XXXX XXXX around XX/XX/XXXX, to come pick up the lease, they said they would contact me back and they never did. I visited the dealership on XX/XX/2018 to return the car and they did not take it back. They say, they would have someone called me. Nobody called me, I went to the dealership on XX/XX/2018 and returned the car and signed a lease return receipt. I sent an email to XXXX XXXX XXXX notifying them that the lease has been returned. The remaining payment on the lease was XXXX. However I received a letter that stated I owe {$39000.00} and that my vehicle was repossessed on XX/XX/2018 and I was charged repossession fees. Please help me as this company is engaged in deceptive sale practices and charge excessive fees. My remaining lease balance is only {$12000.00}. I am a XXXX XXXX veteran who work hard to earn my money. I can't give it away to this company that engages in unethical and illegal practices.
Product: Credit reporting or other personal consumer reports

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you, written, unwritten, verbal, and nonverbal per 15 USC 6802. Opting out of reporting for accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. {$1000.00}. Open date XX/XX/2018. My credit has been severely affected by this and I have No knowledge of this collection account or No Contract with this company.