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

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXXXXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting

Previously disputed and submitted court documents and had the item successfully removed since this item never made it to judgment and was paid prior to making it to judgement. But now it is showing back up on report again.
Product: Credit card

I have a Chase United Explorer Mileage Plus Credit Card. One of the benefits is that I get two complementary lounge passes delivered to me annually. These passes are for XXXX XXXX Access when traveling with United and they are quite valuable, as lounge access is about {$60.00} per person. 

On XX/XX/year> my wife and I flew on XXXX into XXXX XXXX ( XXXX ) and had a layover till our next flight ( XXXX ). 

We went to the XXXX XXXX at XXXX XXXX and I presented my passes for entrance. I was denied. I was told the lounge was not accepting one-day passes that day and that I could try another lounge. Other travelers were still being let in mind you. Just not one-day pass holders. 

This would not be a big deal, except that I'm turned away EVERY time I've tried to use the passes over the past 10 years or so. I'd guess that I have tried to use them at least 6 or 7 times, and maybe as many as 8 times. Each time, I get the same denial : " We're not accepting one-day passes at this lounge today. '' On at least two other occasions in the past three years, I was referred to another lounge in another terminal that may be accepting them, and on each occasion, that lounge denied me access with the same statement.

United relies on their disclosures to support such denials, but I now see it's a scam benefit. I believe this happens to thousands of cardmembers year and it should be fixed.

I filed a complaint with United and United responded promptly. United stated I would get two {$50.00} travel vouchers within a few business days. While I'm not happy with this, it is what it is. I've lost out on hundreds and hundreds of dollars over the years by not being able to use them. 

Chase is the Credit Card Provider and THEY are responsible to ensure the reward and benefits program is not a scam. This is a card benefit and I can't imagine how much money they've made by not having to fulfill it.
Product: Payday loan, title loan, personal loan, or advance loan

Talked to a representative at US Bank approx XX/XX/XXXX XXXX to obtain a paid loan confirmation. They said it would be sent out on XXXX XXXX. I never received, called again 5 times over the next 8 weeks to try to obtain the paid loan confirmation. Everyone I spoke with confirmed they showed it was paid off XX/XX/XXXX. Each representative assured me I would be receiving the document. Still have not received.
Product: Bank account or service

I received a letter from XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX AND THE CREDITOR IS US BANK AND THE AMOUNT OWED IS {$370.00} I NEVER OWED US BANK THIS MONEY BECASUE I REPORTED AS FRAUDULENTLY. ACCOUNT # XXXX. THIS IS AN OLD ACCOUNT. 
US BANK NEVER PLACED BACK MY {$42.00} THAT WAS CHARGED TO ME AFTER I SENT THEM A LETTER AND RECEIPT INFORMING THEM FROM THE PERSON OR PERSON WHO USED THE MY CARD. 
I REPORTED THE {$42.00} AS FRUAD. THEY REVERSE IT BACK TO ME. 
ALSO I REPORTED A CHARGE OF {$20.00} and {$23.00} as fraudulently. 
THE LAST XXXX WAS USED ON CARD NUMBER ENDING IN XXXX. 
THEY HAVE NEGLECTED TO REIMBURSE ME MY MONEY.
Product: Debt collection

i had made a payment XXXX and then they wrote me off i was up today with my payments but they still wrote me off and now tis company ADMIN RECOVERY LLC XXXX XXXX XXXX XXXX XXXX XXXX, NY reported me to the credit report now my credit is bad
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. As a consumer, I am entitled to accurate information under the Fair Credit Reporting Act ( FCRA ). However, Experian has failed to fulfill its legal obligation to conduct a reasonable reinvestigation of disputed information, leaving inaccurate or unverifiable accounts unresolved. 

The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience. Despite my previous attempts to resolve these inaccuracies, Experian has neither corrected nor removed the disputed items.I request that Experian promptly and thoroughly reinvestigate the disputed information in my credit report and provide me with a copy of the revised report. Please consider this letter as my formal complaint, and I expect a resolution in compliance with FCRA regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX START REPORT DATE : XX/XX/XXXX HOW CAN EXPERIAN XXXX OR XXXX XXXX REPORT ANY PAST DUE AMOUNT FROM XXXX IF THIS COMPANY JUST RECENTLY STARTED REPORTING TO MY CREDIT REPORT? 

ALL THESE BUREAUS ARE USING THE SAME E-OSCAR GENERATED RESPONSE ; Completed investigation of FCRA dispute - consumer disagrees. 
XX/XX/XXXX to XXXX XXXX, XX/XX/XXXX to XX/XX/XXXX Reinvestigation info This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 

IT IS EVIDENT THAT THE CREDIT BUREAUS DO NOT LOOK AT THESE DISPUTES AND WASTING CONSUMERS TIME BY NOT DOING SO - AND VIOLATING THE FCRA LAWS- WHICH THEY DO NOT CARE!
Product: Checking or savings account

I received an email that an unauthorized checking account had been opened at Bank of America. I am not a current customer of Bank of America but did have an auto loan with them several years prior. I called the bank and was able to have the account closed however I am concerned that they may be the ones responsible for the fraudulent opening of the account in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with NAVY FCU, XXXX XXXX, and XXXX XXXX XXXX   I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, NAVY FCU, XXXX XXXX, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all 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 Unknown XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX "
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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

I notice there is inaccurate account reporting. The company told me they would not delete the inaccurate information,
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone fraudulently opened up a secured loan in my name and this company has done nothing to investigate or remove this from my credit report. One main has been reporting fraudulent information to my credit report and just recently they increased the overall amount of the loan. How is this even possible for a company to tarnish a persons credit without Authorization
Product: Debt collection

Noticed collection account on my credit report for XXXX. 
This is not my account. 
Attempted to resolve with company, but the issue is not resolved.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and found fraudulent accounts on my credit report. Please remove these accounts from my report, they're hurting my ability to obtain access to my credit. There are companies reflecting on my credit report that stole my identity. Identity theft is the fraudulent acquisition and use of a person 's private identifying information, usually for financial gain. These companies XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are NOT licensed in the STATE OF TENNESSEE TO COLLECT ANY DEBT. The XXXX XXXX are Illegally attempting to collect a debt. The debt collector has already BOUGHT the DEBT, and is attempting to collect on a debt that is considered income and most likely taxable. I'm requesting XXXX, Equifax, and XXXX to remove these fraudulent accounts from my credit report. considering the fact that I received NO correspondence from the debt collectors letting me know they will report to my credit report which is a violation of my rights as a consumer under the FCRA. I HAVE NO CONTRACT WITH THESE COMPANIES! I'm not talking about the ORGINIAL CREDITOR. Once the debt is bought the original creditor is taken out of the equation. No proper validation of debt has been provided. 



Providing me with the contract that I have with the debt collectors. IF this item is unable to be provided in a timely matter I request that XXXX, Equifax, XXXX removes the fraudulent accounts from my credit report. {$1000.00} per violation, I would like a check mailed to me at the address XXXX, Equifax, and XXXX has on file In the event that XXXX, Equifax, XXXX fails to remove these fraudulent accounts and sends me a check for the violations. I will be forced to file a lawsuit against XXXX for violating my rights as a consumer under the FCRA.
Product: Mortgage

I got another statement today with funds misapplied again. I am attaching the statement I received and I had to call to have the funds properly applied. I had another complaint filed and they continue to misapply funds and I have disputed their findings on your website. I ca n't get any results. Someone has to challenge them to do things correctly. I ca n't get them to contact me and get anything right. My previous complaint was [ Case number : XXXX ].
Product: Debt collection

This company has called my job threating me and leaving very naughty messages on my voice mail. This has happen a number of time, not only are they calling my work number they are calling my cell phone. XXXX XXXX XXXX is the person that is calling. I am not sure who it is for or what company he is calling about. On XX/XX/XXXX he called mentioning that he has my home address and verified my employment that was completed by some one on my job. No one here has told me that they completed a Verification of employment for me. The phone number that he is calling from is a local number but tell me to call back at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Nothing significant happened in my credit report, but Experian dropped my score 56 points! Prior to that they dropped my score by 27 points with no significant info on my report.

I called Experian and was put on hold, then transferred around to three different people, then the third person hung up on me when I said please do not read my credit report to me, please explain why you dropped my score so significantly.

These dropping of my score have lowered my score below XXXX, disqualifying me from refinancing my home.
Product: Credit card or prepaid card

I use my Apple card to make Apple purchases online in the amounts of {$710.00} and {$440.00} for a total of {$1100.00} on XX/XX/2022. I shipped the items back for a full refund on XX/XX/2022. Apple acknowledged receipt of one item on XX/XX/2022, and the other on XX/XX/2022. Apple issued refunds in the wrong amounts. I received {$610.00} and {$390.00} which totals {$1000.00}. I spoke with multiple Apple reps and a supervisor about the missing {$140.00}. I was told I would receive the missing {$140.00} but I never did. So I contacted Goldman on XX/XX/2022, to initiate a dispute with Apple. Goldman issued temporary credits for {$97.00} and {$43.00} which totals {$140.00}. And Apple issued the {$140.00} refund also on the same day Goldman initiated the dispute. The problem is Goldman reversed the temporary credits and then wrongly rebilled me for the same {$140.00} that Apple refunded. Additionally, they have wrongly reported the account as 150 days delinquent to the credit bureaus. I am requesting this account to be closed and both the billing and credit report corrected to reflect a zero balance.
Product: Debt collection

I am a victim of Identity theft. I never opened this account. I do not recognize this account at all. 

Columbia debt recovery {$120.00} XXXX XXXX XXXX {$190.00}
Product: Mortgage

My Mortgage lender lied to the court in a foreclosure proceeding. They stated to me, the borrower, that they were reviewing my loan modification request. Instead, every time I call the Mortgage Lender ( NationStar LLC ), I am transferred from representative to representative without getting an answer to the complaint filed with CFPB. 
In particular, NationStar LLC lied to the court in a foreclosure proceeding against our home and fraudulently obtained the title to my property. With the title on hand, Nationstar LLC sold my home to a third party without my knowledge. 
Since the law now protects innocent third parties, the judge decided to side with Nationstar LLC and we were given XXXX days to move out of our home. However, the third party buyer in this case is not an innocent home-buyer, it is a subsidiary of Nationstar LLC. In addition, NationStar was to provide a response to our initial complaint on this case and instead has filed frivolous paperwork with CFPB extending the deadline to file a response so that we are left with only one week to vacate the property. We have tried on various occasions to work out a loan repayment plan but NarionStar has refused to work with us. On XXXX XXXX, 2015, I called NationStar to request a response to our complaint. I spoke with XXXX customer service representatives and XXXX accounts resolutions specialist before I finally reached XXXX XXXX badge number XXXX ). I demanded a response to my complaint to which she read me the letter from NationStar dated XXXX/XXXX/2015. In that letter NationStar claims that they are reviewing my complaint and that the NEW deadline for them to send me a response is XXXX/XXXX/2015. Since we are " required '' to move out by XXXX/XXXX/2015, we will not have enough time to make arrangements with only XXXX days notice from their response. In the CFPB guidelines it states that the lender is to provide a response to our complaint within XXXX days. Clearly, NationStar LLC is evading their responsibility to answer our complaint. As of XXXX/XXXX/2015 I have not received a verbal or written response to my complaint from NationStar LLC. Again, I spoke to XXXX at Nation Star LLC. XXXX 's badge number is XXXX and her mailing address at NationStar LLC is XXXX XXXX XXXX XXXX, TX XXXX. The phone call was made at XXXX XXXX XXXX time.
Product: Debt collection

I woke up XX/XX/2020 to find I have an email saying my credit went down due to the fact that I had a collection added to my credit report. I opened up XXXX  and it said IC systems but nothing stating whom its for. I called IC systems and spoke to a gentlemen who collects debt. I asked the gentleman whats this about and he couldnt find me anywhere in his system. Then he finds me and says its for XXXX. I said its not me. I went through this before and it was taken off by XXXX. So I asked how long this was in his office and he says for 50 days. I said well how come I didnt get a phone call or letter in the mail stating whats going on so I couldve at least taken care of the Situation some how before it got on my credit report. He stated that they have The wrong info for me. I said thats not my fault. He agreed. Im writing you guys because the collection agency never contacted me to inform me of the debt before placing it on my credit report and I requested validation of the debt and that they need to remove it from my credit until they provide me with the validation.
Product: Bank account or service

I have held an XXXX XXXX account with Merrill Lynch for over 35 years. The bank has now indicated that it will close this account. As I am a non-resident this will involve be in substantial loss as I will have to pay tax at the rate of 55 %.
Product: Checking or savings account

Ive noticed on many occasions after looking at bank statement that the transactions are aranged to benefit the bank cause it would cause me to be overdrawn which bank would then charge overdraft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to get verified information about debt that did not belong to myself or anyone in my family. Requested documents showing my signed name and They were unable to provide any documentation.
Product: Credit card or prepaid card

I have 2 Diner 's Club XXXX accounts. One is a corporate Diner 's Club XXXX account. The other is a personal Diner 's Club XXXX. Both credit cards are administered by the BMO XXXX XXXX. Over the years, I have almost never used my personal Diner 's Club XXXX. When I checked my credit report a few months ago, I learned that BMO XXXX XXXX had reported to a credit agency that I was delinquent in paying a balance on my personal Diner 's Club XXXX. When I contacted BMO on or about XX/XX/XXXX about the alleged delinquencies, I was told there were 2 charges for XXXX 's on or about XX/XX/XXXX for {$860.00} and {$1500.00}, respectively. I told the BMO representatives that I did not make those charges to my card and they are fraudulent and I requested they remove the charges and all of the penalties and interest that had accrued. I asked them to review the history of transactions on my personal Diner 's Club XXXX and they could see there have been very few transactions because it is a card I have rarely used over the years. I don't believe I charged anything to my personal Diner 's Club XXXX in XXXX. I also informed BMO 's representatives that my address changed slightly ( I changed apartments in the same building ) in XX/XX/XXXX, so I didn't receive any paper statements in the mail about the 2 XXXX 's transactions, and I haven't been able to electronically access to BMO 's website to review the statements. I spoke with BMO representatives in several additional subsequent calls, once in late XX/XX/XXXX, once on XX/XX/XXXX, and several times today on XX/XX/XXXX. BMO has told me that my personal Diner 's Club account was " charged off '' in XXXX, so they can not give me electronic access to my account. BMO also said they can not review the 2 fraudulent transactions because we are outside the 100 days of the transaction, per XXXX. This is untenable. I didn't have notice of the fraudulent transactions, so I was not able to timely dispute them. I asked BMO today to send me a copy of my statement showing the fraudulent transactions and they said they would e-mail it to me tomorrow.
Product: Checking or savings account

My debit card was fraudulently used to make gas station and XXXX  purchases. The amounted total was ~ {$2000.00}. I did not notice the charges until two months later and then reported it to my bank. Upon reporting it, the bank launched an investigation where they determined the card was used with a PIN number and therefore deemed the expenditure valid. I however did not have the card in my possession and did not make these purchases. Additionally, the purchases were extremely suspicious often large purchases from multiple gas stations on the same day and in cities I do not frequent. I did not make these purchases and do not feel there was proper due diligence from my banking institution.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a small payday loan back in XXXX. XXXX dollars. When it was time to pay it back, i tried to but the system wouldnt accept my banking information to pay it back and til this very day, it still will not accept my banking information as a form of paying it back. However, on 2 seperate dates, they where able to remove funds from the same account i tried to pay them from, that they system wouldnt accept. How can they do that? Someone was able to override this at some point. This has to be illegal. The proof i have, i tried changing the debt card on file. That one didnt work either. The catch... that card isnt link to the banking information on file. 2 completely different banks. Yet, the were able to steal money from the one that didnt work.