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

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. 
Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section XXXX XXXX XXXX XXXX, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in XXXX  days! 
These fraudulent accounts are not only damaging my credit but also causing me significant stress  and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent any turner harm to my financial well-being.
Product: Credit reporting or other personal consumer reports

Please remove the following fraudulent unauthorized inquiry from my credit report immediately. 

Thank you! 

XXXX XXXX : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

The agencies in this dispute have NOT provided Credit Reports as requested and required by law. They have numerous errors consistently. The score is incorrect and shoots high and low over no changes and it hurting my credit worthiness. 

They are still reporting me as high balance having as an authorized user when I have been removed from the debt since the credit holder filed bankruptcy- XXXX XXXX 2 accounts {$14000.00} & {$3000.00} XXXX XXXX XXXX {$3000.00} XXXX XXXX {$500.00} Balance on my debt is incorrect and outrageous due to incorrect reporting XXXX  is in my name and I have never had an account with them ever They are reporting more than one address They have held my reports and not update accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE 5 MEDICAL COLLECTIONS FROM XXXX XXXX XXXX  ACCOUNT NUMBERS ARE XXXX XXXX XXXX XXXX XXXX  IM DISPUTING THESE ITEMS BECUASE THEY SHOULD NOT BE ON MY CREDIT REPORT, THESE ARE MEDICAL BILLS AND PER HIPPA LAW THIS COMPANY IS IN VIOLATION OF THE HIPPA ACT. A DOCTOR OR HOSPTIAL IS NOT SUPPOSE TO SHARE MY MEDICAL RECORD WITH ANYONE WITHOUT MY CONSENT. PLEASE DELETE FROM CREDIT REPORT BEFORE I SUE.
Product: Debt collection

Subject : Request to Cease Contact Regarding Alleged Debt Dear Sir/Madam, I hope this letter finds you well. I am writing to address an ongoing issue that I have been experiencing concerning the receipt of letters from your office regarding an alleged debt. I would like to inform you that I have never entered into any contractual agreement with your company, and therefore, I do not owe you any debt. Also listed on my credit report twice. 

As a third-party debt collector, it is essential that you understand that I have thoroughly reviewed my financial records and have found no evidence of any outstanding debt owed to your company. I kindly request that you stop calling and mailing me regarding this matter immediately. 

I have taken the time to educate myself about consumer laws and my rights in such situations. According to the Fair Debt Collection Practices Act ( FDCPA ), in order for any alleged debt to be considered valid, there must be a valid signed contract between the debtor and the collector. As I have not signed any contract with your company, it is crystal clear that I do not owe you any debt. 

I kindly request that you respect my rights as a consumer and cease all communication with me in relation to this alleged debt. Additionally, I would appreciate it if you could remove any negative information related to this debt from my credit report, as it is incorrect and misleading. 

Please understand that any further attempts to contact me or any failure to comply with my request will be considered a violation of the FDCPA, and I will not hesitate to take appropriate legal action to protect my rights. 

Thank you for your immediate attention to this matter. I expect to receive written confirmation from your office within 30 days acknowledging that my request has been honored and that all contact regarding this alleged debt will cease. 

Yours sincerely,
Product: Credit card

I have a credit card I still get my work checks on and I cant cancel it to get a new one because the email and phone number I have on file for me and this card I no longer have access to I have a new phone and new email
Product: Mortgage

It has been a nightmare to retrieve clear information on my current mortgage company since 2005 my original loan balance has sky rocket to XXXX from XXXX with no clear reason why. I am under litigation with XXXX XXXX XXXX XXXX who is suppose to be the original lender but all documents are un clear on who owns my loan. I am represented by a law firm that is protecting my intrest in my property. I requested documentation on payments history but no one has addressed my request. There are jumps of huge amounts on my credit report not showing why, unclear charges and reason. We have gone to court. Which a forclosure was set to take place and an appeal was issued. DATED WAS CANCELED AND NO NEW DATE HAS BEEN ISSUED.I have been throught 5 different mortgage services,1 XXXX  XXXX,2 XXXX XXXX XXXX XXXX, 3XXXX XXXX XXXX,4 XXXX and know 5 carrington mortgage. They report to XXXX  and XXXX  misleading Information, and inaccurate information. I have sent certified letters to the credit bureau with no resolution. I requested proof of amount due and MY complaints have not been address. Only that validatation was completeted. When I call they just tell me the orginal lender has verified the information, but when I ask how they never address my question. When I request proof they never respond. Until the information is validated and submitted for legal review I need the information on my credit report suspended and deleted. Under the fair credited reporting act unverifiable or incorrect information can not be reported
Product: Mortgage

I am submitting a response to  DiTech 's  comments based on a complaint submitted to the CFPB ... ( #  XXXX  ) I could not respond on the site online after the original complaint, because the computer would not allow me ; so I am submitting another complaint ....    DiTech  's response comments are distressing to me based on the following :   1. DiTech never answers any of my complaints but repeatedly states the same erroneous comments.
2. I have and am paying DiTech {$1000.00} a month which is well over the monthly amount requested with an " unapplied '' balance that consistently grows each month. DiTech never applies or discusses these $ amounts and only " uses '' them when they attempt to Default my loan and take my home .... ( subtracts these $ amount from the total they want me to pay to COME CURRENT ) 3.. Although I pay {$1000.00} every month ; every 2 to 3 months I still get a notice to Default to take my home with an elevated amount to pay at a specific date.. I   still have always complied either immediately or with the direction of a supervisor who corrects said amount to pay. It has ALWAYS been an amount to COME CURRENT ... Therefore, how within the ne xt 2 to 3 month s is that action to Default again attempte d by DiTech even though I never skipped a payment but have paid consistently OV ER and ABOVE the regular monthly amount paying {$1000.00} on a     XXXX   XXXX    m  o nthly bill.    4. I am paying an interest rate that is one # when I call and substantially higher when other companies research my loan. DiTech h as never tried to lower nor have they given me positive progressive ways to better pay off my mortgage. All I have gotten fro  m DiTech and its employees is negative harassing and aggressive tactics, pushing me to Default on my loan.
5. In response to this, DiTech keeps erroneously comm  enting on a   XX/XX/XXXX payment at t he beginning of my being Pushed into an account with DiTech in    2013, a  whole 4 years ago that I have paid off over and over again when they bully me to pay these large amounts to COME CURRENT and then in  the next 2 to 3 month s do the same thing. If I have COME CURRENT then I AM CURRENT .... My monthly statement should not reflect an extra " Pre/Post Dated '' month that I will be charged for with a letter in this vicious cycle.
Product: Checking or savings account

I contacted via chat to get a direct deposit form on XXXX XXXX so that I could have the funds from my IRA deposited to my account. I was told that it would take about 10 days to come via e mail. I contact ed them again on the XXXX XXXX and through that weekend to check and see if the form was coming? I called customer service on the XXXX XXXX to check on the direct deposit form and I was told by the lady that she would send it out via e mail asap, and she would send a hard copy overnight mail. I received the e mail on XXXX XXXX but it was for a withdrawal form, not direct deposit, and I never received a hard copy via overnight mail. So I contacted someone again via chat and got a web address for a direct deposit form. I sent that information in. XXXX XXXX sent the information in and said that Citibank would not let them directly deposit the funds into my account, we tried from XXXX to see if they would go through. Because I didn't get the funds into the bill that I had due on the XXXX XXXX, I ended up having to pay an extra XXXX because I missed the deadline. I asked them on them to send me a complaint form to my e mail and I never received that. I ended up having XXXX XXXX  send me a hard copy of the check, which I received on the XXXX XX/XX/2023. I deposited remotely the check on the XXXX XXXX. XXXX. I deposited 2 checks. I was told that since they were over a XXXX that they wouldn't be available until the XXXX XX/XX/2023. Now I have the same bill due the XXXX XXXX. And they expect me to wait. I am not going through this again. I have called and chatted with citibank, and they keep putting me off and telling me that i can't get the funds until that day. I am just done with this bank. Everything they do is uncustomer service like. They are the worst. and don't seem to care.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Capital MPRC XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No account open, did not allowed my information to be shared. 

XXXX XXXX XXXX XX/XX/XXXX No account open, did not allowed my information to be shared. 

XXXX XX/XX/XXXX No account open, did not allowed my information to be shared.
Product: Checking or savings account

I have a credit card, home mortgage, checking, savings and personal loan all through the same bank. I have a plan to pay my credit card past due payment, but can not pay today. They set my account ATM limit to XXXX XXXX. I needed to withdraw {$450.00} from my checking account today. They refused to give me cash saying that I needed to pay the credit card payment in order to receive cash from the teller. They said I am welcome to use the ATM. I explained to them that the ATM limit of {$300.00} was not sufficient for what I needed to use the cash for. I needed {$450.00} and told them this and asked why my account was frozen. She replied " It's not frozen, we just can't give you cash. '' I said how is it not frozen if I can't access my own money and you tell me what I have to spend it on. She said again, " we just wont give cash until credit card payment was made. '' I was never informed that the credit card could link or effect my checking in any way.
Product: Credit reporting or other personal consumer reports

On XXXX of XXXX, I first noticed that my credit score was very lower than what I expected. I never had any late payments or outstanding balances. I went to XXXX and saw there are some accounts I have never applied for. I reached out to those companies and informed that these accounts don't belong to me, and I have never applied for these accounts. Some of them informed me to start dispute with credit bureaus, and they gave me their own case number. However, as time goesXXXX XXXX XXXX never replied me back or called me. I started dispute with my credit bureaus, but they came back with result saying it is valid account. I still tried to call them, but XXXX XXXX  repeatedly informed me they can not help me because they can not verify me. How do I know what information was used when imposter used to open this account? I have been trying to contact XXXX XXXX but they never provided me case number, just saying I should contact my credit bureau. HOWEVER, when I did that, my credit bureaus came back and told me that it is valid account. I am not sure what can I do at this point.
Product: Credit card or prepaid card

I have disputed two charges and Bank of America denied disputes without a valid reason. The dispute for XXXX was unauthorized and Bank of America said they obtained the proof of the sales slip. When I asked to see it ( my signature ) Bank of America was unable to provide the proof to me but still denied the despute. This is a violation of fair credit billing act. The second dispute for XXXX was for XXXX rent a car, same company, for services not rendered ( my car  wasnt available for 3 days after it was promised yet the full charge was charged. I provided proof of reservation showing the correct dates, yet Bank of America still didnt do anything )
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2016 .... pretty much a year ago, I have tried to have fraudulent and unknown accounts and errors deleted from my Experian credit report. Per the advice of a Experian rep named XXXX in special services, sent in my police report and nothing has happened and I can no longer reach him. 

I have some huge concerns about the following fraudulent accounts and need them to be removed asap .... they are also referenced in my police report. 

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

My account was never late! I have had exceptional payment history with XXXX  XXXX 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. 

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. 


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, credit repair services, or other personal consumer reports

Remove All Inaccurate Information from my XXXX XXXX. ( Warning!!!! ) I received a copy of my credit report and found you are reporting incorrect information to the credit bureaus!! 
Under federal law, as a furnisher of information to consumer reporting agencies, you must conduct a reasonable investigation of my dispute and you must complete this investigation within 30 days of receipt of this letter. I demand that this information be investigated and either verified or removed from my report. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general. ( You Have Been Warned!!!! ) Please send me confirmation the information has been removed from my credit files ASAP!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union Corp., No. XXXX  ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.
Product: Credit card or prepaid card

On XX/XX/2018, Chase Bank closed my account without notice and notified me that I would no longer be banking with them and said I would not be able to reopen my accounts. I had the Chase Sapphire Preferred Card and Chase United MileagePlus Explorer Card. Both accounts were closed and when I went to the bank to discuss with them, they simply said they no longer wanted to do business with me and closed my accounts. I feel that they were being discriminatory against me and violated the Equal Credit Opportunity Act and the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Not only did you try to fix the issues at hand but you sent the information to an address I havent lived at in 7 years and if you did the due diligence you would see that that is no longer my address or even the address on my license is not that one either. This is what I am saying about my information that you have is all incorrect and needs to be updated like I have in your website long ago to tell you and the agent I spoke with that those addresses need to be deleted. And had not my old landlord tenants not turn this in to him I would have never gotten these letters to know whats going on. There is only one me and those extra names is people who used my name and so this is crazy for you to be reporting information and its false information and it prevents a person from fair credit reporting
Product: Payday loan, title loan, or personal loan

Purchased washer dryer for {$1800.00} in XX/XX/2022 from XXXX XXXXXXXX. They recommended American First Finance as a way to lease-to-own. I signed up and W-D were delivered and installed. I received a call from someone at XXXX but I didn't feel comfortable giving my SS # to her and told her I'd call her with questions, assuming I'd receive the contract. I moved here recently and started a new job so forgot about it. This month I thought would be the last payment ( $ XXXX ) as I've paid {$2700.00}. When I went on like I found to pay off the note will be another {$2900.00}. That's a 300 % markup. No way. I called and learned that it's true. How is that possible. If I waited the entire time it would be {$7000.00} - 350 % mark up. I'm fine with a charge. Expected something but not 300 %. It's wrong, a bad business practice, and a hardship for the public.
Product: Checking or savings account

I opened a joint Savings account with Marcus by Goldman Sachs several months ago. My partner and I both make deposits into this account from our respective checking accounts. On XX/XX/XXXX, I tried to withdraw money from the account in order to pay our bills. The transfer was reversed multiple times ( on XX/XX/XXXX and again on XX/XX/XXXX ). I contacted the company multiple times and they could not give me an answer as to why the transfers were being reversed. My partner and I called Marcus together on XX/XX/XXXX and were told that because we had each deposited money into the Marcus account, the money could only be withdrawn into the account it had came from ( so my portion of the money would need to go back to my checking account, and his portion would need to go back to his checking account ). An agent from Marcus processed these 2 transfers for us. On XX/XX/XXXX, an agent contacted my partner and said that my transfer was reversed ; again, we did not receive a satisfactory answer to why the transfer was reversed. I have tried calling multiple times and each time I am transferred 2-4 times and ultimately not given an answer as to why the transfer is not going through. I need to withdraw the money I placed into the account to pay my bills, and Marcus is not providing answers and not allowing me to withdraw my funds. It is unacceptable that I can not withdraw the money that I placed into the Marcus account when there is a clear paper trail of the exact dates I deposited the money and where it came from.
Product: Credit reporting, credit repair services, or other personal consumer reports

No open account associated with these inquirirs and no knowledge of them, please remove and suppress this information, they will not allow me to log into my credit report to even dispute on their website. update my information and remove this incorrect data my name is XXXX XXXX XXXX my phone is XXXX XXXX XXXX my employers XXXX. XXXX XXXX. 

my address are XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B Read A and 2 XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX  XXXX ( Bank ) XX/XX/XXXXXXXX XXXX ( Hotel and XXXX ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Hotel and travel ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/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 XXXXXX/XX/XXXX XXXX XXXX XXXX Inquiries- Summary XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Capitol one Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15U.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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.