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

I am writing to formally notify you that I am a victim of a data breach and request that the following accounts and inquiries be blocked and deleted from my credit report. As per 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request the deletion of any accounts or inquiries that have resulted from this breach.

Below are the details of the accounts and inquiries that I am requesting to be blocked and deleted : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXX Balance details Paid off - Balance - Balance updated - Original balance {$120.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX  XXXX  Balance details 0 % paid off Balance {$400.00} Balance updated XX/XX/XXXX Original balance {$340.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type XXXX XXXX XXXX account. {$400.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXXXXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXXXXXX Important dates Inquiry date XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply.
Product: Debt collection

XXXX XXXX contacted me in a letter on XX/XX/year> stating that XXXX XXXX didn't purchase this account from Barclays but i have a letter in my possession from XXXX XXXX dated XX/XX/year> that says otherwise. XXXX requested me to pay money i do not owe them. XXXX XXXX XXXX XXXX purchased my information from Barclays which is identity theft. XXXX stated in the letter that Barclays Bank Delaware received an account in my name with a XXXX balance with a payment of only XXXX which is a deceptive practice because i never had a binding contract with Barclays or XXXX. I am owed {$1000.00} for this violation per the FCRA.
Product: Credit reporting

Back on XXXX XXXX, 2015 at XXXX I turned in all my cable equipment which I have a reciept for to XXXX. I am in the process of buying a house and today XXXX XXXX, 2015 my credit score was pulled and it showed a collection from XXXX XXXX XXXX XXXX for the equipment on all XXXX credit agencies. This dropped my credit score from XXXX to XXXX which is preventing me from buying my home. I am asking to please have this removed from my credit report immediately for it should have never been reported.
Product: Credit card or prepaid card

There are three hard inquiries I dont recognize on my credit report through XXXX. 
XX/XX/2019 XXXX XXXX XX/XX/2019 Flagship Acce XX/XX/2019 XXXX XXXX XXXX XXXX  has not been helpful and refuse to remove the inquiry even though I reported that it was fraud because it wasnt me. I contacted the creditors and they have given me the runaround and referred me back to XXXX. I just want these fraud inquiries off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please remove the late remarks immediately. 

XXXX  XXXX Date Opened : XX/XX/2018 XXXX XXXX : {$7700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting to equifax that I still owe their company {$5000.00} on a student loan that was consolidated and transferred to XXXX XXXX. I have tried to fix this error with XXXX  numerious of times. This is a violation of the FCRA federal law. The balance owed should be reporting as a zero balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 sec 602, 604 I never gave XXXX permission to report this account on my credit report. The late payments were suppose to be removed, and my right to privacy has been violated. Please remove all late payments immediately.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that an unapproved credit inquiry be taken off my credit record. I discovered an inquiry on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XX/XX/year>
Product: Debt collection

Received court papers that I was being sued by a company I never heard of nor never contacted me. Never appeared on my credit report and didn't even know existed. They went right after a judgment. No attempts to contact me, no mail or anything received from company.
Product: Credit reporting, credit repair services, or other personal consumer reports

freecreditreport.com a part of the Experian company has locked me out my account and will not send me the reset information or email to log into the account to get access to my annual credit report.I have already had to file complaints against Experian directly for similar issues with them refusing to provide login information on another one of their platforms. They still have not resolved that matter and now have blocked my access to all reports and information regarding my credit and credit reports. Email address on file with them is XXXX for this website.
Product: Debt collection

I have disputed knowledge of this account for over 2 years. Each time this account reports it reports as verified meets FCRA requirements however no debt validation has ever been sent to me to verify this account. I hold no legal contract wi th Focused Recovery Solution and under Hippa Laws my medical information is protected from 3rd party agencies. I have never consented or given any past or current medical providers permission to release my medical information to any 3rd party agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested my credit report 3 times from CoreLogic at XXXX XXXX XXXX XXXX XXXX, CA XXXX. On the third time, I sent the letter certified. 

I included all the relevant information to find my credit report, including my full name, address, social security, one form of identification and one form of proof of address. 

I still do not have my report.
Product: Mortgage

During this Pandemic, I received help doing deferred payments since XX/XX/XXXX, I was told my payments were being placed at the end of my loan I notice my balance was increased by the deferred payments notified the mortgage company I was ready to resume payments in XXXX. They told me I was being placed on a trial period for the months of XXXX, XXXX, and XXXX. I completed the payments and continue to make my payments. After that, they completed a Modification in which there was a clause saying i had a Ballon mortgage for XXXX at the end of my loan. I refused to sign that modification because they could not and have not told me what it was. Nothing as far as my Term or rate of 2 % was not supposed to change, I received that rate during a program that XXXX XXXX ordered from the mortgage companies to do so people can remain in their homes I was not behind that was around XXXX. I got a call from PHH mortgage saying I had a ballon then so I asked for a copy of the documents indicating that information I still have not received any information on both Ballon information for my mortgage. When I went thru the program I know I did not have a ballon that was the reason why he ordered them to not do that when they modified my term and rate and payments nothing else was supposed to change not once on my monthly statements it indicated I had a Ballon payment every time they called to follow up nothing was clearly explained to me I know I did not have a Ballon before I received help due to the pandemic. I also submitted my application for The Mortage help they did not process my paperwork to forward to the agency which was gon na help with my deferred payments. About two weeks ago I spoke to a representative and she said she was sending me information showing I already had a ballon i still have not received that information by email or mail they can't explain exactly why I'm in a ballon, With the mortgage, i have after all payments of 30 years my home would be paid in full I have completed 15 years of my mortgage never missed payments until the pandemic hit, I need documents explaining these Balloon payments they are putting me in a position to lose my home further down the road with these ballons i would have never signed a mortgage that said Ballon I'm a retired banker and know and understand what could happen with a Ballon I would like the documents proving i was in a Ballon.
Product: Credit reporting

I am a victim of IDENTITY THEFT. I have notified the XXXX CA. PD on XXXX XXXX XXXX. XXXX Investigator in Fraud Dept deemed the account as Fraudulent with Identity Theft. I TOLD Equifax in XXXX XXXX -- 8 MOS. AGO THAT THE HARD INQUIRIES FROM XXXX AND COLLECTIONS ACCOUNT WAS FRAUD! I am reporting Equifax to CFPB govt office for not properly verifying ANY FRAUDULENT activity despite my several DISPUTES! Equifax kept saying " the account has been verified ''. If a thief has my SS, name and Date of Birth, of course that fraud is going to be 'verified '. BUT when I told the CB that I DID NOT own or have an account with XXXX, Equifax insisted the account was MINE and LEFT THAT ON MY CR wrongfully! Now I need to buy a car and I CAN NOT because those criminals also used my identity to do several other fraudulent activities, which Equifax may have helped me catch that but instead also left on my reports! I am angry because Equifax DOES NOT VERIFY ANYTHING despite what they say! I now am suffering the consequences and can not buy a car I so desperately need. DO SOMETHING CFPB you are the govt offices that can impose fines for reckless credit bureau reporting!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XX/XX/XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XX/XX/XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed well before the due date.

Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, I opened a new checking account with Fifth Third Bank. 

On XX/XX/2019, I tried to add an external account ( in my wife 's name ) online so that I can fund the newly opened checking account. 

On XX/XX/2019, the external account was sucessfully verified ( Fifth Third Bank made two small deposit and asked me to verify the amount, to make sure I have access to that external account ). Then I initiated a transfer of {$1400.00} from that external account ( XXXX  XXXX XXXX ) to the Fifth Third checking account. 

On XX/XX/2019, I was notified by email that the transfer did not complete, and my checking account was suspended for money transfer temporarily. It asked me to contact Customer Service at XXXX to resolve the issue. 

I immediately realized that I should not have tried to transfer money from an external account that was under my wife 's name to the Fifth Third checking account under my own name. I truly understand that some bank has such policy for security purpose. 

Then I called the number, but the associate insisted he did not see anything wrong with my account. After escalating the issue, he confirmed my guess that it was because the external account I tried to transfer money from was in a different name than mine. But he ensured me that the issue was resolved and I should be able to use it after a few minutes, log out and then log in again. 

It never worked. After a few days I still could not use the money transfer service. So I called the customer service again. This time was even worse, because the associate had no idea what was going on. I explained that because of my mistake, my transfer was suspended and asked her to help reinstate it. Again she insisted that there was nothing wrong with my account, and she kept asking me to change web browser, and clear cache and cookies. I did what she told me to, and of course it did not help. Then she escalated again, and when she was back, she told me that a new account less than 30 days old does not have the online money transfer function. And if I wanted to fund that account, I would have to go to a branch to deposit a check or cash! I was totally unsatisifed with the answer, because that was not right! She did not know what was wrong and she did not know how to solve it.
Product: Credit card or prepaid card

I have a Bank of America Cash Rewards Visa card. Last month I redeemed {$14.00} to make a partial payment on my credit card balance of {$22.00}. When I received this months statement ( XX/XX/XXXX - XX/XX/2019 ) I noted that I was charged a late fee of {$14.00}, the exact amount of the cash awards redemption. I called the bank and was told by two people that I should have read the fine print, which explains ( I was told ) that no matter how much the redemption is, I must pay the minimum balance, ( which was {$25.00} ) or the balance in full if the balance is less than {$25.00}. 
I told the bank representative that if I make no charges the following month, I would have a credit balance. She said that they would refund the balance to me. When I asked how long before I received the credit balance, she told me that they have 90 days to refund the money. Personally, I think the bank is making their own rules regarding this matter. I have other bank cards and have never before run into this problem. What upset me the most, is that I have been a long time customer of the bank, never having a late fee charged previously and they refusing to show any courtesy.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # XXXX & XXXX. I previously sent a dispute letter requesting the removal for both these account charge-off based on the XXXX form I received, which indicates that the debt was canceled. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : XXXX. The method used to verify the accuracy of this charge-off. 
XXXX. The name and contact information of the person or entity that provided the verification. 
XXXX. Copies of any documents or records used in the reinvestigation process. 

The FCRA 611 ( a ) ( XXXX  ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( XXXX ) ( A ). 
Please provide me with the requested information and update my credit report accordingly. I expect a response within the XXXX period allowed by law. 

Thank you for your attention to this matter.
Product: Mortgage

Navy fed did not tell me my x was not paying the mortgage untill it was about 3 months late i i asked what took so long i was told his info was on the loan. Well i have 3 checking accts 2 saving accts and they mailed a letter to tell me it was three months behind so Why couldnt they tell me when the first payment was not made. I have a legal right to know everything about the account and if they didnt have my inf thats on them not my fault in that illegal excuse. Last year when he didnt pay they took it from me they said we signed something in the mortgage letting them do that do i wasnt worried about him not paying cause they would take it out of my acount but they did not i asked why and got no answer. I think they just set you up to fail. No i am forced to live in a house with no roof because they are holding my insurance chech and they took the money fema gave me to pay my credit card bill and i have payment arrangements with a company i am working with to pay off my debt. I called and told them thst was fema money and i can go to jail was using it for something other then ehat it was giving to me for she put me on hold and came back and said it would not be reversed.
Product: Vehicle loan or lease

response to complaint XXXX XX/XX/2019 ATTN : Customer Correspondence XXXX XXXX XXXX XXXX, OH XXXX To follow up to the CFPB complaint on XX/XX/2019 : 1. I have been receiving BMW information to my XXXX XXXX XXXX XXXX XXXX, CA XXXX for more than a year since it was changed when I moved to XXXX XXXX XXXX from XXXX XXXX in XXXX, CA XXXX. 
2. In your complaint response BMW claims they sent a response and yet that is addressed to my old address. Can you explain why this single piece of mail was addressed to a more than 1 year old address? It is very odd that a critical piece of mail responding to my complaint was sent to an address I hadnt lived in for more than 1 year, despite receiving both the requests for the $ 2000+ and the post lease 3rd party inspection were sent to my correct XXXX XXXX  XXXX XXXX XXXX Address. 
3. I have the right to get a post lease inspection and the results when I return the car. I am allowed to have an opportunity to fix this before the charges are applied. I most certainly had time to conduct an inspection and had brought my car there for that purpose. In fact I first came in earlier that morning without an appointment and returned later in the day for that purpose. 
4. I sent two more subsequent letters to BMW Financial services XX/XX/XXXX and XX/XX/XXXX with no response. 
5. I also placed additional phone calls to customer service XX/XX/2019 and XX/XX/2019 to discuss why I had gotten no response. They had no way to verify the status of written complaints and I was told to continue to wait. 
6. You place a disputed amount into collections I will also send copies of the letter and the CFPB to the collection bureau as it has clearly not been resolved I am formally disputing this charge and also with the collections agency you place it with, because I was not notified during the end of lease inspection and I had the original wheels and was told dont worry everything looks good and I insist that BMW financial work with this dealer and XXXX in XXXX who I bought this from, to accept the un-used rims for this car. 

To accept my vehicle, take the profit from selling it, and then say they have no responsibility with the inspection or accepting the wheels because they didnt originate the sale, is not acceptable. I will also be looking to move into formal arbitration as I have all the documentation of when I tried to contact BMW, the different responses and excuses received from both the dealer and BMW financial services and the illegal attempts to move a debt to collections during this dispute. 

I will also be sending complete copies of the phone records, letters of complaint as well as this complaint to the collections bureau listed as I am formally disputing this and BMWs management of this dispute thus far. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Student loan

I have loans with Sallie Mae. I attempted college while XXXX to try to get off XXXX. I havd to leave school because of my XXXX. Sallie Mae refuses to do XXXX discharge on my loans. I only draw $ XXXX month. My husband will be retirement age later this year and will retire. We will both then be on fixed incomes. The harassment will not stop even though I had my doctor do XXXX discharge paperwork last year. There is no way I will ever be able to work a job. Please help