23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I sent several dispute letters regarding several accounts that are being reported inaccurately with late payments even though I pay everything on time. I sent letters to the bureaus XXXX, XXXX, and Transunion. They have written back to me several times promising that they have done research and have fixed the reporting. However, there are no actual changes in the report. This has been going on for several months and they seem to be ignoring the mistakes. They have not provided me with any documents proving these late payments are accurate. Please make sure they delete the status immediately on the following accounts : XXXX XXXX XXXX account- # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX and account # XXXX, XXXX XXXX account XXXX XXXX and account XXXX is also XXXX account which all XXXX bureaus must have realized the late payments were incorrect and deleted it. However, Trans union suddenly started reporting the late payments again. This account is : XXXX- account # XXXX
Product: Mortgage

Earlier in the year I received three or four letters from the bank stating I needed flood insurance. Subsequently I received one final letter stating that upon further review I do not need flood insurance. I never bought flood insurance as per that letter. A month went by and I received a statement from the bank stating that I now needed flood insurance and they had purchased flood insurance and it was the top insurance. I scrambled and purchased my own insurance for a third of the price. I called the bank and complained and asked why I received that letter and nothing subsequent stating that I needed insurance. It took three or four calls to different individuals to finally get someone to say that that letter had actually been mailed to me and that no it did not look like I needed insurance at that time but it may have been a mistake on the bank 's part. I have asked numerous people for copies of the letters that were sent. I asked for copies of both the letter that stated I did not need the flood insurance and anything subsequent. I have received nothing from anyone. I have asked numerous times, left messages, sent emails, to numerous people, and been told every time letters will be sent via mail or email. In the last month or two that I have been working trying to get this resolved I have received only one call back. It is been an utterly ridiculous show of customer service from this bank. I have been in contact with their executive client branch and been given the runaround numerous times. I have left numerous messages and sent numerous emails. Finally got through today and was told that the gap insurance would stand because supposedly they sent the letter stating that I did need insurance. I never received that letter. The last correspondence I did not need flood insurance. The next correspondence was a statement for flood insurance they had purchased. For about the 7th or 8th time I've asked for copies of those letters and have been told they will be in my email box by the end of the day. The same statement I received the last numerous times I've asked for them.
Product: Checking or savings account

I had 3 different CDs that were mishandled and issued properly add wrongly added to my credit card and were closed..
Product: Credit card or prepaid card

I went into XXXX  to get my car serviced. They offered me a discount if I filled out a credit application. I insisted I was not interested in any credit cards and that I was not looking for new credit especially when I was trying to buy property. They insisted that the application was not for a credit card and was not a hard inquiry and that in order to get a discount on the job they were doing on my car I had to fill out the application. I told them about ten times that I was not interested in any credit with them. They insisted that it was just an in house credit that would never Hit my credit. After I filled everything out they said I was approved for {$600.00}. I asked them how this could be if this was not a credit card application?? When I got home I double checked to make sure it was not on my credit! It appeared as a hard inquiry credit card! I don't want this credit and was essentially tricked into applying for it or the staff did not understand this application process.
Product: Credit reporting or other personal consumer reports

Good afternoon again I am writing an concerns to my identity. I have contacted the company three times I did not make the inquiries that are on my credit report. The company Ive called them Ive given my information, and they even stated that whoever was using my identity was using my maiden last name, I have been married for over eight years now. The inquiries were made in XXXX and XXXX. Please have these inquiries removed off my credit report immediately. 

JPMCB CARD. XX/XX/XXXX JPMCB CARD XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX They are showing on all three credit bureaus again I have contacted each of these companies and each have said that they would remove them. As I said today, they are still showing up as inquiries. I also had a security freeze put on my account so I dont even know how these were able to even get through.
Product: Credit reporting or other personal consumer reports

Equifax credit reporting company has gotten worse sense report cfbp lm ready to exspose this cr reporting company my attorneys has the file. .formal complaint Which the companies l have Been disputing since XXXX which is enough time to place formal complaint l have sent XXXX driver license as proof showing informationshowing is not my account belongs to somebody's else name social security number not mine complany down below has on going disputes. Remove those items off my cred report
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX, IN XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX/XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Dovenmuehle at the beginning of XX/XX/2020 because I got financially impacted by COVID-19. I then submitted an application to enter the forbearance Plan. I qualified for a suspension of payments from XX/XX/2020 to XX/XX/2020 and then i received a letter on XX/XX/2020 that extended my forbearance agreement from XX/XX/2020 to XX/XX/2020. I then Also received another letter on XX/XX/2020 stating that I was approved for a payment deferral, and they will defer my past due amounts to bring me current. On XX/XX/2020 Dovenmuehle sold my loan to XXXX XXXX XX/XX/XXXXas a delinquent account with no knowledge about the forbearance plan that Dovenmuehle had already done to my loan. My loan was reported to my credit on XX/XX/2020 negatively impacting me lowering my score 59 points. XX/XX/XXXX sent me a bill asking for the total past due amount. Dovenmuehle failed to sold my loan with the same terms and conditions that we had agreed to prior to selling it to XXXXXX/XX/XXXX. Ive been trying to fix my credit score and forbearance plan with both mortgage companies for the past 60 days and nothing have been resolved.
Product: Debt collection

This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove this account XXXX XXXX XXXX # XXXX immediately thanks.
Product: Mortgage

Carrington Mortgage Services, LLC ( XXXX, CA ) recently bought our mortgage from XXXX XXXX XXXX. I have not recieved a notice or letter from my new service, Carrington Mortgage Services , LLC . It has now reached the 15 days time frame I should have received a notice, as mentioned in my rights from the notice from my previous server, XXXX XXXX XXXX. 

When I called Carrington Mortgage, they refused to take a payment by phone or online. I am not current on my loan and need to make payments but it seems they are trying to make it " difficult '' to get a payment to the company. Not sharing important information of where to send the payment, not giving me my new loan number and refusing to set up payments. However when I agreed to send a XXXX XXXX they stated " I better call because they may " flag '' my loan as foreclosure. However I have not received 'Any ' information from them. I am really upset and disappointed with the company and when I asked about setting up automatic withdraw payments after the XXXX is paid and the account is current, they statement reply was - I would not be able to set up automatic withdraw payments for six months of paying current. I feel this is discrimination also due to the fact that I had a financial hardship while being laid off XXXX. Why would a creditor not want automatic bank payments??????? Straight from you account ... The answer I feel is they are trying to set me up for failure to loose my home. The law states this should not happen. I am wanting to make my payments. Please Help!
Product: Student loan

Company charged too much interest more than what was promised. I also asked for ibr and was approved but they still have not placed all of my loans on the plan after several calls. ( XXXX University ). ( XXXX XXXX College ).
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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

Hello, I am very stressed out because Transunion reports wrong information in my credit profile. How that possible? This account is not mine and why I should have it? It ruins my life completely, so could you please investigate why Transunion reports wrong information and also I file Identity theft as I assume I am a victim of identity theft. 
Thank you!
Product: Debt collection

The aforementioned credit collection agency representing XXXX XXXX XXXX XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX XXXX and XXXX 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If MIDLAND FUNDING LLC does not have any documentation, they need to retract this from my credit file immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I am writing to file a formal complaint regarding the handling of a fraudulent withdrawal from my account. I recently discovered that {$98000.00} was fraudulently withdrawn from my account through wire transfers. While I appreciate the return of {$25000.00}, I find it unacceptable that only a fraction of the stolen amount was reimbursed. 

I want to emphasize that I took every possible precaution to protect my account. I did not open any suspicious emails, respond to any messages, or answer any phone calls that could have compromised my security. Despite my efforts, my account was still compromised. A Wells Fargo investigator did mention something about " sim phishing '' The fact that only {$25000.00} was returned to me implies that I am somehow at fault for this fraudulent activity, which is simply not the case. I urge you to reconsider your decision and provide a reimbursement for the full amount stolen. 

I expect a prompt and satisfactory resolution to this matter. Failure to do so will leave me no choice but to escalate this complaint further. 

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

THESE INQUIRES HAVE BEEN PLACED ON MY CREDIT REPORT WITHOUT MY CONSENT. I HAVE NOT BENEFITTED IN ANY WAY FROM ANY OF THEM LISTED BELOW. PLEASE REMOVE THEM WITHIN 4 DAYS. XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX  XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX  XXXX XXXX XXXX  Inquiry date XX/XX/XXXX, XXXX  XXXX Inquiry date XX/XX/XXXX, XXXX  XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress. for these violations.
Product: Debt collection

I had a balance with XXXX and it was paid through XXXX my account was supposed to be removed from diversified consultants system by XXXX and deleted from my credit reporting. My account is in good standing and I am a current customer and diversified consultants does n't have a right to report this account. Diversified up dated my credit report XXXX/XXXX/17 to reflect closed and XXXX balance and this account should have been removed entirely then they went back and updated my account after XXXX/XXXX/17 reflecting open with a balance. This is inaccurate reporting and needs to be deleted from all three credit bureaus. Attached are the reporting errors and the receipt of payment with XXXX.
Product: Vehicle loan or lease

My personal property was seized by this company on XX/XX/2023. Today is XX/XX/2023 & I have not received any letter stating they took my property, so I did some research to find out who had my car. I first contacted the police to report my vehicle stolen and upon doing that they did some research and informed me in their system my car was stating it was repossessed. Once I got in contact with the auto loan company they sent me to a company called Loss Prevention Recovery which then gave me information to the company XXXX  XXXX XXXX. XXXX told me they was hired by Capital one to seize my property and told me how I could go about retrieving my property and personal belongings. As well as I had 5 days before my car would be start the auction procedure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am notifying you that the dates below that I did not authorize any individual from any of the listed company to pull or review my consumer report. I have not given XXXX, Equifax, XXXX permission to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. Unless you produce any proof or evidence that support your claim or show you were right in your decision to furnish this information. Please remove the inquiries from my consumer report. 

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

On XX/XX/2022 I requested debt validation from XXXX and Equifax and received nothing to validate the debt. I have disputed with accounts several times and they sent a letter saying they changed addresses but didnt send a letter answering my request. The debt does not belong to me and they havent sent any verifiable information to say it does.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Revolut ref : XXXX CFPB ref : XXXX After months and months of trying to clear my name regarding the fraud on my account, Revolut finally fixed the transactions on my account. However, you have still not reinstated my account? 

On XX/XX/XXXX, you said : " Revolut appreciates the Customers situation and their patience while this matter continues to be reviewed. Revolut is obliged to follow internal guidelines and due diligence checks that may result with the account of a customer being inaccessible. Revolut will send the Customer a communication as to whether their account privileges will be fully restored once a determination has been made. '' '' I'm still waiting for this. Why is it taking so long? How much patience do you need from me? It has been nearly a year and a half since the initial fraud and you still have not fixed everything. 

It seems I am not the only one struggling with dealing with your customer service XXXX XXXX XXXX XXXX XXXX XXXX You should hire me to run your whole customer service operation : XXXX XXXX XXXX