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

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Original Creditor XXXX XXXX Past Due {$130.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/year> Remarks Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTION< I am writing to formally dispute the reporting of the above-referenced account, which I have previously disputed. According to my records, this account pertains to a satellite equipment return fee for XXXX XXXX XXXX but I returned the equipment to XXXX XXXX XXXX well before this account was placed in collections. As such, I contend that the debt being reported is not valid and request that you remove it from my credit report immediately. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe is inaccurate or incomplete. The law requires that, upon receiving a dispute, you must conduct a reasonable investigation into the claim. It is clear that the dispute I raised regarding the satellite equipment was not investigated thoroughly or accurately by your agency. If the return of the equipment was correctly processed and documented by XXXX XXXX XXXX, this debt would not exist. 

Furthermore, the FCRA Section 1681i mandates that if an item is disputed and can not be verified, it must be removed from the credit report. Given that the equipment was returned and the charge should have been resolved directly with XXXX XXXX XXXX, you have failed to comply with these legal requirements by re-reporting this account as verified when no evidence of the debt exists. 

Immediate Action Requested : I demand that you reinvestigate this matter in compliance with the FCRA. If the information remains inaccurate or unverifiable, I request that you remove the account from my credit report immediately. If you can not provide documentation proving this debt and its validity, you must correct the inaccurate reporting as required by law.
Product: Credit card or prepaid card

I recently changed my email address and no longer have access to my previous email account. I contacted the credit card company by phone to change my email account details on XX/XX/XXXX. Because I do not live in the US I am unable to receive a verification code on my cell phone. After 1 hour on the phone and 3 different agents, a weblink was sent to my NEW email account asking me to upload 2 ID documents to verify my identity. I did so, uploading my US passport and an Irish drivers licence. I was told I would be contacted to confirm the change. I was never contacted. 3 weeks later on XX/XX/XXXX I phoned the company back. Initially the representative told me that they had only received one ID ( my drivers licence ) and she insisted I had been phoned about the problem. Then she said that actually they had received my passport scan but it had failed verification. When I asked for more details, she admitted that although they had attempted to phone me, the call had failed. I asked to speak with a manager. I then spent 90 minutes with the manager who insisted I had to go through a process on my smart phone for real-time verification of my passport. Once again, they used my NEW email ID to send me the weblink for this process. However the process repeatedly failed. When I asked for another option, the manager said that I had failed multiple verification processes and when I asked him to explain what I failed he refused, saying that it would compromise their security to tell me what I had failed. To that point I had answered every security question correctly, and I had provided them with the documents they requested. He said there was no way the company could change any of my 'sensitive ' information, and they are refusing to change the email ID associated with my account. This means that they continue to send my account information ( balances, statements, etc. ) to an email account which I no longer have access to, and which could be hacked or accessed by the internet provider without my knowledge. Their 'security ' requirements are unreasonable and are actually compromising the security and privacy of my account information.
Product: Mortgage

I have a mortgage loan through XXXX bank. My loan was for more than 80 % of the value of the house, therfore requiring me to Escrow with XXXX. In XXXX of XXXX, they ran an escrow analysis on my accounts and according to my analysis I owed {$2200.00} per month to cover my loan, interest, taxes, etc ... 

I recieved a call from a debt collector from XXXX on XX/XX/XXXX indicating that my XXXX first payment was past due and was wanting to make collection at that time. I thought this was a mistake because my mortgage payment is set to auto draft from my bank at the begining of each month. I have never been late on a payment in my life. 

According to XXXX bank, my escrow was re-run in XXXX of XXXX and they found that my balance was roughly {$14000.00} short. This caused my monthly Mortgage payment to go from {$2200.00} a month to {$4100.00} a month. OVERNIGHT! 

The reason for the error is that when they calculated my escrow in XXXX, they FAILED to include my hazard insurance for the year, they miscalculated my taxes for the upcoming year, and they issued me a check in XXXX telling me that i had overpaid the previous year and that the extra money was mine to spend how i wanted .... 

When they re-ran my escrow analysis ONE YEAR later, they realized their mistake and doubled my mortgage over night. 

my options are to come up with {$14000.00} cash before XX/XX/XXXX or have my monthly note go from {$2200.00} a month to {$4100.00} a month.
Product: Debt collection

Navient  sent an e-mail containing an ominous threat describing " further action '' after  XXXX   XXXX . I believe this to be an attempt to collect prior to the current class action lawsuit against  XXXX   XXXX   XXXX  being heard early   XXXX  . As well as the complaint of fraud that has been submitted to the Department of Education against  XXXX   XXXX   XXXX  being decided. I 'm fearful of this companies actions and what they are willing to do to collect prior to these legal matters being resolved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is showing up on my XXXX, Experian and XXXX as collections/charged off when the account was paid in full.
Product: Credit reporting or other personal consumer reports

Car dealership use my credit and ran it 10 to 25 times without my permission when I asked them to only run to three 3 banks they took it upon yourself to run it XXXX to XXXX times without my permission and I would like to have it removed off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn-out of sending dispute letters to Equifax requesting that they correct this mistaken account being stated on my Credit File because they have been doing nothing! This complaint is to follow up my prior protests and letters I submitted on XX/XX/XXXX and to notify them that I am halfway of taking lawful action and litigate Equifax for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : $ XXXXLate/Closed Late Dates XXXX
Product: Credit reporting or other personal consumer reports

Request for Deletion of Account Due to Repeated Charge-Off Reporting Violations I am writing to file a formal dispute regarding the repeated and inaccurate reporting of a charge-off on my account with XXXX XXXX Account Number XXXX dispute concerns multiple violations of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681e ( b ), which mandates accurate and timely reporting of credit information.

Details of the Dispute : Charge-Off Reporting : The account has been marked as a charge-off for the months of XXXX through XX/XX/year>, without any change in the status or developments. The charge-off status should have been reported once and updated as needed. However, it has been reported repeatedly, which is inaccurate and violates the FCRA Section 1681e ( b ).

Violation of FCRA : Under the FCRA, it is required that credit reporting agencies report accurate and complete information. Continuously reporting the charge-off status month after month is misleading and inaccurate, and it harms my credit profile. 

Failure to Correct : the information has not been corrected. The continued reporting of this account as a charge-off for more than a year without any updates is detrimental to my credit standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I notified Transunion, via CFPBs complaint portal, that there were XXXX incorrect accounts on my credit report, which inaccurately report late payments for XX/XX/2020. My previous complaint is as follows : XXXX, XXXX, Transunion, XXXX  XXXX  and XXXX XXXX are all in violation of the CARES Act, by erroneously reporting a late payment, from XXXX  XXXX  and XXXX XXXX and refusing to allow me to dispute it. I contacted both XXXX XXXX  and XXXX XXXX, regarding being directly affected by Covid and created a payment arrangement. I honored my payment arrangement by paying XXXX XXXX  in full and by making a payment amount on XXXX XXXX. I was told to send a request in writing and to then dispute the erroneously reported information to the credit bureau. To date, neither company has corrected my credit report, nor have I been able to dispute the erroneous information with any credit bureau or get the erroneously reported late payments removed. I am a XXXX veteran that had a current account with no late payments or delinquencies, at the onset of covid-19. This erroneous reporting has caused my credit score to drop nearly 75 points. This is in direct violation of the CARES Act which states : If your loan is considered current ( not past due ) at the time you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. If your loan is considered delinquent ( past due ) when you make an agreement with your creditor, your status will continue to show as delinquent until you bring the account back into good standing. Once you bring the account current, the creditor must report your status as current to the credit bureaus. According to the new law, an " accommodation '' could be an agreement to make partial payment, to put a loan in forbearance, to modify a loan or to offer any other relief. The CARES Act protections require creditors to follow these guidelines for all agreements made between XX/XX/2020, through either XX/XX/2020 ( 120 days after XX/XX/2020, when the law was enacted ), or 120 days from the date the COVID-19 national emergency is declared over. 

Despite making my complaint on XX/XX/XXXX, Transunion responding but stating these accounts are not currently on my credit report, which is not true. The two accounts in question are from XXXX XXXX and XXXX XXXX, and both appear on my credit report as XXXX XXXX  XXXX XXXX  with late payment for XX/XX/2020. As I previously stated in the XX/XX/XXXX complaint, these late payments are inaccurate and should be removed immediately. Transunion is failing to remove this unverified and inaccurate information by acting as though these accounts dont exist. I refreshed my credit report from XXXX and as of XX/XX/2020, both accounts are on my credit report and reflect late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following addresses deleted. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. The following address and the variation on my name are not accurate. My name is  XXXX XXXX XXXX, please delete all other variations.XXXX XXXX XXXX, XXXX XXXX XXXX . XXXX XXXX XXXX XXXX, XXXX  XXXX. I am no longer affiliated with these addresses. I would like to have my credit report to reflect true up to date that is accurate my current address XXXX XXXX XXXX XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX Phone : XXXX Email : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Transunion XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Request for Removal of Fraudulent Accounts Due to Identity Theft PLEASE REMOVE ACCOUNTS FROM CREDIT REPORT IMMEDIATELY XXXX XXXX Account Number : XXXX Date of late payment : XX/XX/XXXX Account opened : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX Last XXXX digit card XXXX Account XXXX, XX/XX/XXXX Account XXXX, XX/XX/XXXX Dear, XXXX I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] and occurred on [ XX/XX/XXXX ] and XXXX  XXXX bank Account Number : XXXX. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Government -issued ID to verify my identity An Identity theft report filed with the Federal Trade Commission Proof of Residency Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. According to 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ). 15 U.S. Code 168Xe ) 15 U.S. Code 1681 ( 1 ) 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Please remove immediately Thank you for your time and prompt attention to this matter. 

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

Dear Experian Fraud Dispute Team, I am writing to formally dispute the inclusion of the following accounts and inquiries on my credit report. As a victim of identity theft, these accounts and inquiries are fraudulent and do not belong to me. Pursuant to 15 U.S.C. 1681i ( 7 ) and the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation and removal of these accounts from my credit report. I have included my police report as evidence of identity theft. 

Fraudulent Accounts : XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$5500.00} Date Opened : XX/XX/XXXX ONLY YOUR BUREAU IS REPORTING THIS. This account was reported without valid documentation. No statement or loan agreement has been provided. Please remove this account immediately. 

XXXX  XXXX Account # : XXXX Balance : {$280.00} Date Opened : XX/XX/XXXX This is not my account. Please investigate and remove this account. ONLY YOUR BUREAU IS REPORTING THIS XXXXXXXX XXXX  Account # : XXXX Balance : {$490.00} Date Opened : XX/XX/XXXX Under Section XXXX of the FCRA XXXX this collection account lacks valid documentation and a conspicuous address. Please remove it immediately. 

XXXX  XXXX Account # : XXXX Balance : {$120.00} Date Opened : XX/XX/XXXX This account is fraudulent. Please investigate and remove it immediately. ONLY YOUR BUREAU IS REPORTING THIS XXXX XXXXXXXX Account # : XXXX Credit Limit : {$500.00} Date Opened : XX/XX/XXXX Payments for XX/XX/XXXX to XX/XX/XXXX were made on time. Under 15 U.S.C. 1666B, this account reflects a billing error. Please update the status to Paid as Agreed/Never Late. 

XXXX Account # : XXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX No documentation has been provided. This is a fraudulent account. Please investigate and remove it. 

XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$1400.00} Date Opened : XX/XX/XXXX This account is not mine. Please remove it immediately. ONLY YOUR BUREAU IS REPORTING THIS Fraudulent Inquiries : XXXX Inquiry Date : XX/XX/XXXX ( Experian ) XXXXXXXX XXXX Inquiry Date XXXX XX/XX/XXXX ( Experian ) Under the FCRA, you are required to investigate these disputes and respond with the results of your investigation within 30 days. If the items can not be verified, they must be removed from my credit report. 
Thank you for your immediate attention to this matter. Please confirm receipt of this dispute and provide written updates throughout the investigation process. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Please adhere to FCRA 15 U.S. Code 1681c2. Please delete within the next 4 days. See the attached.
Product: Payday loan, title loan, or personal loan

I contacted Universal Account Servicing ( Universal ) to close the account/cancel the contract that they set up for me to pay for services/treatments from XXXX XXXX XXXX. 
Unfortunately my last treatment from XXXX was done XX/XX/XXXX I no longer wanted to receive treatments from XXXX  because at my XX/XX/XXXX appointment I received no customer service nor any attempt to provide the treatment I was scheduled for - I was waiting over 30 minutes to receive my treatment and I walked out upset and embarrassed. 
I immediately contacted the XXXX representative that signed me up with my treatments about what happened and how I did not want anything to do with XXXX after that. She told me she would work on cancelling out my treatments. A few days later I contacted Universal and explained to them I was no longer using LaserAway and asked for instructions on how to cancel my contract with them/close my account with them. The representative at Universal told me they had to get confirmation from XXXX and discontinued the AutoPay service that I was using so not to be charged. 
After some time I received a bill in the mail from Universal so I wrote them and XXXX. Is US certified mail and reminded them of my no longer using XXXX services and my desire not to have the account or services from either company. 
I also contacted XXXX via email. 
I only received a response from Universal via email on XX/XX/XXXX. Telling me that XXXX reduced my principle balance and that I would be responsible for services/treatments received. 
I responded and asked them for an itemization of what I owe and how much. Universal said they did not have that information and just repeated that I owe the principal balance less {$2000.00}. No details or further information was given me. 
I called Universal to confirm what the actual amount owed was to pay the balance and they told me the principal balance owed was {$850.00} but I owe them interest and late fees. 
I told them I did not agree with the interest charges or late fees because I tried to close the account & cancel the contract in XXXX. The time lapse was not fault of mine but was due to their correspondence with XXXX ( and Im not too sure if this was a genuine time lapse. I dont know if things could have been handled sooner but was purposely delayed to incur these charges. ) I told the representative at Universal that I am willing and ready to pay the {$850.00} - the cost of treatments received ( which isnt verified ; I received XXXX XXXX XXXX XXXX XXXX  & XXXX XXXX XXXX XXXX XXXX ; and I made 1 payment of {$120.00} ) Universals representative told me that I would still incur interest charges because the balance wouldnt be paid in full. 
I want to resolve this issue by paying the {$850.00} I should not be charged interest or late fees when I was trying to avoid any further charges or fees owed by contacting them when I terminated my interest in XXXX. My discontinuing XXXX service/treatments was also discontinuing Universals services.
Product: Credit reporting or other personal consumer reports

I pulled my Credit report back in XX/XX/XXXX, I sent letters out to Transunion on that same date. Well I received a response back from them stating XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX - XXXX this was accurate and verified On the subject of the item questioned above, Account Type - Detail : reported as - for XXXX, Open account for Trans Union, and as Collection Account for XXXX and as such is one, each or all in aberrancy from the requisite standard ( s ) and or is not proven much less certifiably compliant with its principal mandates as it's relevant and consequential for compliant reporting acquiescence. This field, as reported, is a divergence from the established CDIAs reporting standards and or is evidently reported one or more of being untrue, inaccurate, inconsistent, incomplete, untimely, unverifiable, and or elsewise not confirmed certifiably compliant to all mandates for ethical and lawful reporting proclivity! 
Clearly, this field asserts that potentially this item of reporting is or is not yet unproven to be an aberrancy at issue with reporting accuracy and or compliance standards.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and I am requesting that certain accounts and inquiries be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries are the result of unauthorized activity and should not appear on my credit report. 
The following accounts should 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 XXXXXX/XX/XXXX
Product: Mortgage

On XXXX, my spouse and I both received certified letters from Huntington National Bank that our mortgage was nearing foreclosure. Having no knowledge of an account with Huntington, the only way to discern that this might be real rather than junk mail/a scam was the certified mail postage stamp on the envelopes. 
After a XXXX search, I learned that XXXX XXXX  were recently sold to Huntington, and inferred that maybe our HELOC loan was one of them. 

My spouse called the XXXX number on Huntington 's letter the following morning ( XXXX ), paid the full amount, and is in the required paper-and-pen process with Huntington to set up automated payments. Huntington informed us that they have dinged our credit marks for the five months that they were unknowingly our lender. 

Prior to XXXX, we did not receive any communication from XXXX nor Chemical Bank who were processing our HELOC loan payments. Additionally, we had automated payments setup on our account which were not migrated to Huntington Bank. 

As such, we are disputing any negative credit mark that has been assigned to our credit reports during this period with an expectation that they are resolved in a timely manner. 

Thank you.