23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I sent a letter on XX/XX/XXXX, to remove these items : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX, TX XXXX XXXX Updated : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$5500.00} XXXX XXXXXXXX Balance Owed : {$14000.00} the aforementioned items are UNKNOWN to me. you are required to remove/block the items in my file that are fraudulent and erroneous. 
Ive already included this in my previous Complaint & I am including it again.
Product: Credit card or prepaid card

Was told I should apply for a new travel card with 0 % interest. They were supposed to expedite the new card before my trip. They didnt so I called and was told to use my old travel card which has 21 % interest and when I returned from my trip they would transfer balance to new card. 
When I called Bank of America I was told they dont transfer between bank cards and offered me {$25.00} reduction on my bill. 
Had I known this I would have either used cash or a credit card with a lower interest rate. 
According to Bank of America this issue has all been recorded but still would not do anything even though it was their fault. 
There was a file started with them. The # is XXXX
Product: Credit reporting or other personal consumer reports

This account was closed on the following date : ( XXXX ). Since then, the account still current. This is an updated in the payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. A am demanding a deletion on the following account : XXXX Account no. : XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Reference # XXXX Date Filed/Reported : XX/XX/year> XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$4500.00}
Product: Debt collection

I had a problem with this card and even got cfpb involved in it we don't owe anything never got any communication from them only found out a few months ago thru our credit report this is our old complain number thru cfpb XXXX
Product: Student loan

In my previous complaints ( XXXX ) to CFPB the issue is still not resolved. Please see all this information provided in the other complaints. This response from XXXX is outrageous and does not explain anything. XXXX only explains that they changed the account number for their own purposes and that they have provided information on my variable rate. However, what they actually provided is information showing they closed and reopened my loan without my authorization, gave me information on my fixed rate simple interest loan, and gave no explanation as to why they changed my loan from simple interest to compounding. 

I do not have a variable rate and compounding interest loan!!! I have a fixed, simple interest loan and XXXX fraudulently changed my loan conditions in order to increase my payment and amount of interest I pay. 

Their response is not a response to the complaint I have made!!! I need the CFPB to investigated the information they provided in the response because it explains nothing!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my credit report, and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below account/s be deleted from my consumer report. List of accounts to be deleted XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX The reporting of these account ( XXXX ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. I demand this account be deleted from my consumer report.
Product: Payday loan, title loan, personal loan, or advance loan

I paid off ( paid in full ) my loan with XXXX  # XXXX a fraudulent loan in my name was somehow set up. I called XXXX and complained. Attached is the emails I received from XXXX. I am filing a Police Report, however the report is being filed late. I have XXXX collection Agencies trying to collect on this fraud in different amounts. XXXX the " XXXX XXXXXXXX XXXX, XXXX Original Creditor XXXX  # XXXX, current XXXX XXXX XXXX XXXX in the amount of {$XXXX}. And the second XXXX XXXX XXXX  amount {$XXXX} settlement Offer {$XXXX} case # XXXX. 
Two collection companies trying to collect on a fraudulent loan in different amounts. 

THIS IS NOT MY LOAN, AND I AM NOT GOING TO PAY IT. 
A XXXX XXXX XXXX gained access to my checking account and reversed payments I made and tried to say it was a loan. Copies of my bank statement showing the reversals and his emails are attached.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized inquiries from my credit report, as permitted under Section 609 of the Fair Credit Reporting Act. I believe these inquiries are inaccurate and were not authorized by me.Please Block and remove all information resulting from Identity theft pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) which states that these accounts must be removed within 4 business days of receipt. XXXX XXXX XXXX XXXX violated my consumer reports on XX/XX/year> without a permissible purpose as per 15 U.S.C. 1681b ( 2 ) or knowingly without a legitimate business reason pursuant 15 U.S.C. 1681 b ( a ) 3 ( f )
Product: Vehicle loan or lease

I am filing a complaint regarding misleading communication from Ally Financial about my auto loan charge-off. On XX/XX/XXXX, I received a text stating I had 5 days before a charge-off if I did not reach out I reached out that same day XX/XX/XXXX, but the next day XX/XX/XXXX, I was told via another message that I had 30 days to resolve the issue and given a case number. Despite this, my account was charged off before those 30 days were over. When I called to clarify, Ally informed me that the arrangement was no longer valid due to the case being transferred to another department, a change I was never made aware of. I reached out like they asked me to the same day explaining my financial hardships and willing to explore options as well as pay my past due amount yet my account was still charged off. I have been actively trying to resolve this situation despite my financial hardships.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit acceptance used my personal information for credit transactions without my authorization, which result in a hard inquiry on my credit report. 
Date of inquiry XX/XX/2021 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX that was a servicer for XXXXXXXX XXXX has reported two incorrect mortgage payments as of XX/XX/2021 and XX/XX/2021 showing that they were 30 and 60 days past due but the payments were made to XXXXXXXX XXXX directly and XXXXXXXX XXXX was not aware of the payments and reported them late
Product: Mortgage

My mortgage was sold to Carrington. Prior to the selling I made my monthly payment online and timely. Now Carrington has added fees to pay online so my only option is to go back to the 1990 's and mail them a check monthly. This past month, I mailed my check on XX/XX/XXXX, on XX/XX/XXXX I started getting phone calls and messages from Carrington about credit counseling. Monday XX/XX/XXXX I checked my bank account and I saw that carrington had cashed the check electronically. ( if I do that there is a fee ) The money was out of my account, so this reminded me to call them. When I called  them I was told they are a debt collector, they told me my payment was late! I told them they have there money and I have till the XXXX of the month. I was then told my payment was going to go up as a result. I was informed over the phone that my new payment was {$810.00} instead of {$790.00}. I was told they are a debt collector and they now need 2 months escrow instead of the 1 month XXXX had in the loan origination agreement. 

In short, Carrington is not XXXX, they do not do anything to reduce paper use without charging the customer, They took / bought mortgages and are not complying with the original agreement.
Product: Credit reporting or other personal consumer reports

I am invoking my right to dispute and investigate these accounts, as they are wrongly listed on my credit file. Under the Fair Credit Reporting Act, I should receive {$1000.00} for each incorrect report. I am aware that FCRA XXXX requires us to report any inaccuracies in a consumer 's report.
Product: Credit reporting or other personal consumer reports

I have made efforts to resolve this issue by reporting the incorrect information, which is severely affecting my personal life and causing considerable mental distress. The false and fraudulent entries on my credit report have prevented me from purchasing my dream car and supporting my family. These items do not belong to me, and I did not authorize any of this information to be reported. I am a victim of identity theft. For your reference, I have included my letter and the FTC report. If this matter is not resolved promptly, I will take legal action.
Product: Credit card or prepaid card

Despite the required advance notice required by law for credit card companies to close accounts, My Credit Cards were closed without any notice, reason, justification, or detailed explanation. A week or so after the accounts were closed I received letters stating the accounts would be closed due to inappropriate behavior. I inquired as to what this behavior was, as they had n't really been used in a while, and the only real thing I 'd done recently was file a complaint with the cfpb exercising my rights as one of my affected accounts USAA violated my consumer rights by placing a bunch of " transfer adjustments '' on one of my cards, with no warning, explanation or reason. When I inquired, I was told they reversed a billing dispute which had been finalized a year prior. Despite writing and telling me the billing dispute was found in my favor and final they still recharged me against the consumer laws, with no warning or explanation. They ignored my requests for documentation, yet have yet to even reaceive my monthly statemtn in months. As a result of filing a complaint, all of my credit cards were then closed without my knowledge. Only after they were closed did USAA send me anything telling me they were closed. However, they failed to provide a detailed explanation despite my repeated requests. Stating it was due to improper behavior, yet unable to comment or specify what this behavior was for each affected account.One of which had not been used in years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously I have filed a complaint with this company and explicitly explained to them that they are reporting erroneous and inaccurate information on my XXXX credit report. And previously they responded that they would fix this problem. To date, they have not fixed anything as this account still shows as an active and open account with a balance owed, even after being notified of this already.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions. 
Requirements relating to reinsertion of previously deleted material. 
Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 
Please furnish me with copies of any and all such certification. 
If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no such notification, this is a serious violation of the FCRA, and I reserve the right to pursue further action. 
Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( XXXX ) a statement that the disputed information has been reinserted ; ( XXXX ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( XXXX ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 
Please furnish me with the required statements and data ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph and a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Please furnish me with a full description of the procedures used to determine the accuracy of the information. 
( XXXX ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
In accordance with the above requirements of the FCRA, please furnish me with all requested material within 15 days Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Fraud and identity theft Consumer law credit repair 15 USC 1681 Defamation of character
Product: Credit reporting

Equifax is not verifying my judgment with the courts as they claim they are doing. It 's for case number XXXX. This judgment is invalid! What more do I need to provide them? They are not verifying this with the XXXX XXXX City Circuit Court, they are using a third party agency.
Product: Debt collection

This is regarding Portfolio Recovery Associates. 

In XX/XX/2020, I noticed a new item reported on my personal credit report from Portfolio Recovery Associates ( PRA ) for a debt that I do not owe and that does not belong to me.

I sent multiple certified letters to PRA asking for verification of this so-called debt, and if they could not provide it to both stop contacting me in an attempt to collect it AND to properly update my credit report by removing the false debt.

Thus far, PRA has not responded to any of my written requests, and yet they use a robocaller to my cell phone 3-4 times a day attempting to collect this false debt. Thus far, they have been unable to provide a single piece of information, data, or evidence of any kind that this so-called debt belongs to me and it's validity.
Product: Credit card or prepaid card

There is a charge from XX/XX/XXXX on my credit card that I did not authorized or have any knowledge of!
Product: Student loan

I was in a disaster forbearance due to covid-19. I requested another disaster forbearance due to being unable to pay. I am still looking for work. I reached out to my lender, AES, on XXXX XXXX a few days prior to a reported delinquency would occur. The representative that I spoke with processed my request, but didn't tell me I would receive a negative credit reporting while I wait. She did not advise me this over the recorded line. This is a devastating mark to my credit. I am requesting that this be reversed. I have attached proof of when I requested it and when I received notification back from the lender of a denial which was after my due date. I am requesting that the call be pulled to prove the representative did not advise me of what I needed to do in the interim while I waited to hear back. The representative was not pleasant either. Thank you.
Product: Money transfer, virtual currency, or money service

Unauthorized XXXX money transfers from my checking account for total of {$1400.00} in 3 different transaction on XX/XX/2022 reported to my bank but rejected the claim and closed case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been lied to about my credit score. XXXX XXXX has me down as a XXXX credit score, when Experian says totally different. They have me as a XXXX credit score. Also there is inaccurate account information that needs to be removed in regards to a debt that has already been paid.
Product: Debt collection

Glad debt collection has turned in negative remake on my credit report. The debt they are attempting to collect was voluntarily direct deducted from my payroll check by the company that charged me. have not contacted me in writing about the debts. They have not provided me any proof that I am responsible for said debts. They have not provided me any documentation tat I agreed to pay the original debt.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft! I do not have a record of doing business with these companies. They are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX AccouRt # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

11.0K 15 USC 1666B : A creditor may nai treat a payment on a credit card XXXX account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I need the account corrected now! 

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

Upon reviewing my credit report, I identified discrepancies with the following account that are adversely affecting my ability to obtain credit. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am formally requesting a procedural investigation to verify the accuracy of the reported information. 

Below are the accounts in question for your immediate review : Account Name : XXXX XXXX XXXX  Account Number : XXXX Please ensure a thorough reinvestigation of this item and provide documentation of your verification process. If the information can not be confirmed as accurate, I expect it to be promptly removed from my credit report. 

Sincerely, XXXX XXXX
Product: Mortgage

Shellpoint bills me for lender-placed insurance even though I have insurance, have provided insurance documents multiple times, and have never had a lapse in insurance. This crooked company has wasted dozens of hours of my time battling them.
Product: Credit reporting or other personal consumer reports

I have tried on several occasions to contact Experian via telephone. I was calling to get a dispute remark removed from my account. The agent not only neglected to notify me the account did not have a dispute remark on it, but they then placed a dispute remark on the account. After realizing the mistake I tried calling back to correct the issue. The automated service has hung up on me 3 times and I have yet to be able to speak to a human to rectify this mistake. I have called at least XXXX different times and each time I am ran in a circle by the automated system, as well as the automated system not able to resolve the issue.
Product: Credit reporting or other personal consumer reports

I have been trying to unfreeze my credit report to get a loan. When I try to reset my password I am asked for my phone number. I provide the phone number but the website says that it is not a correct phone number. The phone number is correct as I have been using the same phone number for many years. I can not reach anyone to assist me. I need to be able to lift my freeze now.
Product: Debt collection

I have an old dental bill & I made payment arrangements for, but the Perferred dental office refused to see me and my son anymore and sent my bill to collections. Now its affecting my credit and XXXX collection is calling me multiple times for the money owed.