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

I want to dispute the presence of a fraudulent account on my credit report, as provided by your bureau. Upon a recent review of my credit report, I discovered an unauthorized account that I believe to be the result of identity theft. I have already contacted the bank associated with this account XXXX months ago, and they assured me that they would remove it from their records.It has come to my attention that other credit bureaus have already deleted this fraudulent account from their records, raising concerns about the accuracy and timeliness of your bureau 's reporting. Despite my efforts to rectify this issue, the account continues to be reported on my credit report by your bureau. 
To support my claim, I have filed a complaint with the Federal Trade Commission ( FTC ) and have provided documentation to the bank regarding the fraudulent nature of this account. I kindly request that you investigate this matter promptly and remove the fraudulent account from my credit report. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 
I have never been late on payments for the account : XXXX XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. 
Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., and 15 U.S. Code 1681b - ( a ) ( 1 ) ( 2 ) Permissible purposes of consumer reports, XXXX XXXX is reporting a transaction under my report with my consent and permission, I also received a letter stating that, " We have confirmed this account is no longer being reported by XXXX  XXXX ''. 
this items shows that it is being reported by XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please delete these unauthorized inquires from my credit report. XXXX, Equifax, and XXXX are all reporting unauthorized inquires which has damage my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Please remove immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Original debt to physician apparently was not paid, although I was on a payment plan through the hospital which began in XXXX and paid in full in XXXX. 

In XXXX I made an agreement with the first company to purchase the original debt as I was told that the physician was never paid but that the hospital had been paid. I held to my end of the bargain that was offered. 

Now, nearly 2 years later, a third party has bought the debt, in the original amount. They threatened to put this on my credit report, which they have, and they will not listen to my story. 

I was unemployed and uninsured when I was admitted to the hospital with XXXX.
Product: Money transfer, virtual currency, or money service

XXXX keeps declining my paychecks. I have had a few bad checks there but that was over 10 years ago and they were all paid. I was the victim of identity theft and im sick if not being able to cadh my paychrcks myself. I can't get a normal bank account because of this very reason. I think it us wrong that I can not cash my check to us 100 percent guaranteed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information 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 not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX Balance : {$510.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$3100.00} ; XXXX  XXXX Balance : {$480.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$720.00} ; ( Original XXXX : XXXX  ) XXXX Balance : {$1000.00} ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX Owed : {$950.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$320.00} XXXX  XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XX/XX/XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX did not do a complete and thorough investigation into my credit disputes
Product: Checking or savings account

I am writing to file a complaint Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when the transaction were authorized. I was charged fees to due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries/ accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The items listed below are only a few discrepancies The mortgage company didnt apply full payments the payments were not applied according to transaction history ( where did the money go to if not applied ) I was not given a Right To Cure Default Notice before the foreclosure according to Massachusetts Law one must be given Deed dated XX/XX/XXXX the bank has is not legal A deed to the property was signed over on XX/XX/XXXX I have been a victim of Predatory lending A Federal Truth In Lending dated XX/XX/XXXX was signed for XXXX the bank claims loan was XXXX difference of XXXX As of XX/XX/XXXX the bank claims there is XXXX owed on loan where did my payments go to, I have already paid over XXXX in interest according to the tax forms I have received Items listed under Disbursements To Others on Settlement Statements dated XX/XX/XXXX and XXXX XXXX the lender list amounts they paid to creditors the amounts lender claims to had paid were amounts more then was actually owed to creditors I was charged for homeowners insurance for several years which should not of happened because I had obtain and paid for my homeowners insurance which my insurance carrier sent policies to make the mortgage company aware Several times throughout the years the bank claims they paid taxes which were already paid by myself
Product: Mortgage

US Bank Home Mortgage is attempting to foreclose on my home for payments that I 've already made to them and have sent them proof that the payments have been made. I 've been battling this for 5 months and all they can say is " we 're still researching the account ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is incorrectly reporting XXXX accounts for XXXX XXXX XXXX Equifax has repeatedly denied my request for deletion online, by phone and written dispute countless times over the last XXXX  months for these XXXX XXXX XXXX XXXX. Equifax has deleted an erroneous chapter XXXX bankruptcy from my credit file due to my identity being compromised last year, but has neglected to delete these XXXX XXXX XXXX XXXX accounts associated with the deleted chapter XXXX bankruptcy. 

Also, both XXXX XXXX XXXX accounts are nearing or have exceeded the XXXX  year deletion date of first delinquency.
Product: Mortgage

I paid my XXXX mortgage payment on XX/XX/2019. According to their statement XXXX XXXX payments will be posted immediately. I went to XXXX which is a XXXX XXXX merchant and paid my XXXX payment knowing that my payment was supposed to be processed immediately and posted to my account to save me from a 30 day late on my credit report, I even confirmed the additional fee and the immediate posting of the payment with the clerk. No where on the statement and in the disclosure does the company state that weekend payments including XXXX XXXX payments will not be posted on the day received, but will post the following business day. I paid extra money for the immediate transaction for the immediate posting of my payment. I called in the next day, XX/XX/XXXX and spoke to XXXX ID # XXXX. XXXX took my transaction tracking number ( # XXXX ) issued by XXXX XXXX and assured that the payment would be posted on the account the day it was made, XX/XX/XXXX. I received notification through XXXX XXXX on XX/XX/XXXX stating that I had a 30 day late with my mortgage. I called the company and they stated that yes my payment wasn't received until XX/XX/XXXX even though their they have notification from the XXXX XXXX transaction of the payment date being XX/XX/XXXX, and that they would not back date the payment as promised. I spoke to XXXX ID # XXXX. I will be disputing the report with the credit agencies for a company who will not uphold to promises or fail to disclose information to their customers, and providing proof of the transaction being made and received on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My first attorney on XX/XX/2022 and again on XX/XX/2022 sent notifications to all three credit bureaus about Suntrust/Truist Bank . My latest attorney sent on XX/XX/2022 a follow up and demand to the bureaus and creditor with no reply at all. I'v called the creditor and get passed around trying to validate this account and do not have anything from them. My attorney feels this is infringing upon my rights and goes against FCRA. With no reply this must be removed off our report IMMEDIATELY before we have to take any further legal action. Please help us get a resolution.
Product: Credit reporting or other personal consumer reports

15 USC 1681 ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 

I demand a deletion of all my personal identifiable information from my consumer credit report to respect my privacy rights apart from : Full Legal ame : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This company is XXXX. My complaints have NOT been a nuisance! I AM A FLORIDA RESIDENT. Among other things, by law, you MUST provide me with your legal grounds for collecting in my state or else remove this account from my credit report! You all have been refusing to allow me my due diligence and have disobeying consumer law! Ive been submitting complaints here to no avail partly due to your 1-STAR XXXX RATING where other consumers have tried contacting you by CALLING or WRITING and either getting ignored like youre doing here to me or spoken to rudely, ALSO as youre doing here! Want me to write to you? I will DEFINITELY write to you with a lawsuit for illegally reporting this account!
Product: Debt collection

I am a natural consumer. I am protected by the consumer laws. Over the past 6 years, I have continuously disputed this account with the credit bureaus and the company itself. This account does not belong to me and over the years it has been reporting differently across the credit bureaus.I want it removed immediately from all consumer reporting agencies. It went from closed, paid charge-off in 2016 to having a balance and now it says paid by original creditor. The original balance has changed numerous times over the years.The date opened has changed over the years as well. The biggest issue is that they are maliciously updating the account every month as a charge-off which directly effects my credit score. I was denied a loan because they said I have recent charge-offs on my account. A charge-off can only be charged off 1 time. If the account was allegedly belonging to me, why would the original creditor pay it off? Something isn't adding up. It was never my account to start with. I was denied a loan because they said I have recent charge-offs on my account. I have filed a FTC identity theft report and would appreciate some assistance with this account. It has been a long 6.5 years of nothing but frustration and denials. PLEAE HELP ME GET THIS ACCOUNT REMOVED FROM ALL REPORTING AGENCIES. ENOUGH IS ENOUGH!!!
Product: Mortgage

SLS continues to misapply funds to my escrow account despite my clear intentions on how funds should be applied. As a result of this they are showing a significant deficit in my escrow account. Furthermore, when I reached out to SLS I was placed in a call back queue and when I finally received a call back I was hung up on within 5 seconds of the call and they never reached back out to me. I am seriously frustrated with their handling of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed incorrect address on my credit report ; XXXX XXXX XXXX, XXXX, TN. I am requesting that XXXX provide he source of who is reporting this information on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I try disputing these ( XXXX ) account late payments thru letters and online a total of 7 times this year with Experian, these loans were in deferment, didn't require any payments, I sent Experian the letter of confirmation XXXX sent me saying the loans were on deferement and didnt require any payment. I attatched the letter to this complaint. 

This inaccurate info Experian is reporting, differs from what XXXX and XXXX are reporting because the knew my loans were on deferment.
Product: Credit card or prepaid card

I called in like the app says - I lost my job end of XXXX due to covid 19 of 16 years.

Currently on unemployment and welfare. 

I contacted them after my bank was closed that had auto payments come out because of the hardship. 

I paid the balances in full for both my accounts minus a {$16.00} late fee from XX/XX/XXXX that was seen on XX/XX/XXXX as I have been dealing with being out of a job my finances are not there like they were and I completely forgot the cards were due on different days. Despite my other account being due on XX/XX/XXXX and me paying that in full as well on XX/XX/XXXX they claim they can not help me with a {$16.00} late fee. What kind of forgiveness or helping teh customer during covid is this. Not willing to waive a {$16.00} late fee being not even 3 days late. Seriously I explained to them I lost my job they were willing to help with nothing - I explained the bank account where auto payments were set up prior to losing job was closed and therefore the auto payments had stopped. Again there is nothing owed on either account now besides teh {$16.00} late fee. I had to borrow money to make them their payments today and that was just to satisfy the balance owed minus that one late fee. I can not understand how losing job due to covid and them not allowing us to go back to work during that time and them not willing to waive the late fee ( s ) associated with the hardship. Its extremely frustrating. The old man I spoke with was very unhelpful! ( SENIOR ACCOUNT EXEC ) he states. Yet I called about covid and my job being lost like it says and they did nothing. Not willing to waive a XXXX $ late fee this is unbelievable. I can't believe a company in their position would be partaking in these types of actions that would lead people to want to file bankruptcy over this type of thing. Also the wait times to speak to someone are insane they are in upwards of 30 minutes or over an hour to get a hold of someone
Product: Mortgage

I started a refinance of my home located at XXXX XXXX XXXX, XXXX Az with NewRez LLC who services my mortgage currently at their request by email in XX/XX/XXXX. The first loan application loan # XXXX went inactive because NewRez system inactivated the loan because they didn't do anything with it. I had paid XXXX dollars for an appraisal that was never done. The second loan was started in XX/XX/XXXX loan # XXXX and NewRez took more money for an appraisal out of my Bank account again. After threats of criminal charges being files against the loan Officer XXXX XXXX, the money for the second appraisal was returned to my account. The appraisal for the property was finally done late XX/XX/XXXX and filed with NewRez on XX/XX/XXXX. The loan did not proceed. In the mean time I was served with a Divorce Action from my wife. NewRez was informed of the court papers fully. Nothing happened with the loan even with numerous phone calls and emails to the business. I filled a complaint with the XXXX XXXX XXXX in XXXX  DC. Then NewRez gave me a conditional approval with a request to have a copy of the Final Divorce Decree. The Decree was supplied on XX/XX/XXXX, and additional financial documents they requested. A loan processor was assigned identified as XXXX XXXX who emailed me him being assigned as the loan processor. I have made many attempts to call and email him. He never answers his phone or answers emails. I was contacted by XXXX XXXX on XX/XX/XXXX, by her calling my cell phone. She told me she was working with Mr. XXXX and she wanted additional financial documents that have been supplied numerous times before. She wanted current documents and I supplied them via the internet. Still no action on the loan application even though it had been approved with conditions that had been met. On XX/XX/XXXX I emailed Ms XXXX and asked why the loan was not proceeding. She emailed me back to contact the Processor Mr. XXXX with any concerns. I emailed him on XX/XX/XXXX and still no answer. Mr. XXXX has never responded to emails or phone calls. I do not know how to get this company to finish this refinance and get the loan documents to me to sign. They are avoiding any actions in regards to this refinance and there is no reason it should not proceed, I check their web site with my account daily to see if they have any requests or actions and nothing is seen. I need help getting this to proceed, This refinance has cost me time and money with little or no actions of this mortgage company. Can anything be done.
Product: Mortgage

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting or other personal consumer reports

I was a victim of fraudulent activity, and I need your help to remove the fraudulent items from my credit report. My research indicated that I must file an identity theft report with the Federal Trade Commission ( FTC ) at XXXX XXXX XXXX According to FCRA Section 605B, credit reporting agencies must remove items listed in an identity theft report, using reference numbers XXXX and XXXX. Attached are documents to assist in removing the erroneous personal information and inquiries from my report. The following items were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Per FCRA Section 605B ( a ), credit reporting agencies must remove any items identified as resulting from identity theft within XXXX business days of receiving the report.