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

XXXX XXXX XXXX  Subject : Request for Reinvestigation and Removal of Charge-Off Accounts- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account name/number ( *please reference the above list ). I have received a XXXX form for this account indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) XXXX, a XXXX form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a XXXX form has been issued, the reporting of this charge-off is both incorrect and misleading. 

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you can not verify the accuracy of this information, it must be deleted from my credit report as required by law. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Debt collection

Debit card on autopay to XXXX XXXX  was canceled, service went unpaid for several months before termination by XXXX At this point the debt was sent to collections agency IC SYSTEMS ( REF XXXX ) unnoticed. Upon checking credit score for home mortgage application, the impact was noticed. XXXX was contacted and the debt was paid, at this point I was informed the collection agency was notified to withdraw. The agency was contacted and stated the debt remained unpaid and would remain in collection status. I was told I had the option of paying them the debt regardless with the alternative of waiting in collection status for two months to possibly be processed.
Product: Mortgage

Mortgage company forced escrow after the fact for an unrealized lapse in coverage. I provided proof of XXXX and the company has failed to make the appopriate adjustments.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that i had lates 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 Macys/ CitiBank 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 or other personal consumer reports

Your Name : XXXX XXXX Your Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX Credit Bureau Name : TransUnion LLC Consumer Dispute Center Credit Bureau Address : XXXX XXXX XXXX XXXXXXXX, PA XXXX Last 4 of SSN : XXXX RE : XXXX To whom it may concern, I am contacting you because I have found some information that is inaccurate on my credit report. You are reporting a late payment on ( XXXX ) on the account ( XXXX XXXX XXXX XXXX XXXX ). 
This is not true, I was not late on ( XXXX ). I request that you verify the information and update the payment history on this account as PAID, NEVER LATE immediately. 
After doing so please provide me with an updated credit report reflecting the changes. 

Best Regards, XXXX XXXX
Product: Checking or savings account

My XXXX  and I have had an auto loan for the past 4 years with XXXX  without any issues happy customers had an online access and have made payments and never late up until XX/XX/2024 that my XXXX  had a XXXX  XXXX. We decided to open a spending/ checking and savings account for myself, husband and daughter who would deposit funds for us to help us out as well. It was no issue. In XX/XX/2024 I paid our auto loan from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX no issues. I also XXXX  XXXX XXXX  to our XXXX account no problem. On our joint account which only has about XXXX XXXXXXXX my husband zelled XXXX $ to XXXX of our neices XXXX XXXX XXXX Then the nightmare begun. They locked our accounts which by the way the auto loan and spending/checking and savings were all linked. I called to unlock/unblock the accounts and have access and more than 6 times it was always an issue even if I answered all Identity questions correctly. Now the issue is they still have to investigate thought again i answered all ID questions. We are so disappointed because we are retired, we thought we could have a small amount of funds in the spending and checking as well as savings that our daughter was so gracious to help us with and be able to make the car payments from one linked account to the other. The fraud department representatives thought i understand are doing their jobs they spoke to me as if i was a criminal. The hung up on me. I explained our auto loan will be late we need to access and i quote : she said that was not her concern : all representatives treated me harshly, cruel made me cry at XXXX XXXX XXXX. To that end I want to close our spending / checking and savings and have access to our funds and withdraw them so how. We will stay with our auto loan because that is whom financed us and we have never had an issue. Please help us we are desperate retired folks. Kindest Regards,
Product: Debt collection

Today I received a notification from my credit monitoring service that this interloper has reported that I owe them money for a gym membership that I cancelled. I cancelled this gym membership last year but the company still continue to try and charge my credit card without my authorization. I had to actually cancel my credit card and get another card issued.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is XX/XX/XXXX. This account was opened when I was underage. XXXX years of age. The account belongs to mother XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 Section 602 A states that I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states that a Consumer Reporting Agency can not furnish an account without my written instructions Social Security Number, Name, Proof of Address, and Date of Birth were also uploaded as proof that the Credit Report belongs to me
Product: Credit reporting, credit repair services, or other personal consumer reports

( 103 true Identity theft ) I am a victim of identity theft since XXXX i have try over and over to get these two information listed blow deleted due to fraud, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft also i am a victim of the XXXX XXXX data breach several accounts on my credit report are not mine listed :, also filed a FTC report and a Police report to support my claim heres my FTC Report XXXX and Police Report number XXXX IVE CALLED XXXX  AND Experian over and over for the last past year going back in fourth i even called XXXX and XXXX which they both was unable to locate or verify any account using the same date of birth as me, my XXXX  Confirmation # XXXX and My Experian Report Number XXXX ... ... .. 
Account name : XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX {$300.00} Account name : XXXX XXXX Account Number XXXX {$2700.00} XXXX XX/XX/XXXX ... XXXX 
these fraudulent debt is hindering my ability to apply for credit or even get a first time credit card for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a Job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports IVE ALSO UPLOADED A COPY OF MY POLICE REPORT FILED WITH THE XXXX COUNTY SHERIFF 'S OFFICE AND MY FTC REPORT THANK YOU SO MUCH FOR THE HELP!!!
Product: Credit reporting or other personal consumer reports

I am once again addressing this urgent matter that necessitates immediate correction. Despite the federal law mandating a timely response within the constitutionally prescribed timeframe from the three credit bureaus, it is disheartening to note their regrettable neglect in addressing my previous correspondence. Consequently, I appeal to your office to expedite action on this matter at your earliest convenience. The listed account above demands your attention for correction, and I trust that your expeditious response will rectify this issue in accordance with established regulations. Please review the listed accounts below that require correction : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

one inaccurate bankruptcy chapter XXXX is reporting under my equifax credit reporting agency, this is an 100 % inaccurate information reporting under my name, i have submitted many disputes but no answer from them, this is very much disturbing. 
i have submitted my police report to them, last time o called and disputed they said it was verified in one day, i just would like to know how is this possible to verify an inaccuracy in one day. i have requested the method of verification several times, but they have not been helpful at all. they dont even disputed correctly and they play me around with they very bad customer service. 
please I am a very simple consumer and would like a justice in this case. i need your help in order for equifax to remove this inaccurate public records from their reporting thank you
Product: Credit card or prepaid card

I fell behind on my payments on my Target Store Card. I contacted Target and was told that my account could be " rehabilitated '' via a " program '' that would credit back all late/over the limit fees once the program was complete. I agreed to allow Target to debit payments from my checking account towards this agreement at which point the Customer Service Representative explained that remembering the payments and terms of the new agreement were consumer responsibility. She further stated that late/over the limit fees would continue to accrue until the completion of this program. I made many payments towards this account and noticed neither a decrease in balance nor reversal of accrues fees. I contacted Target Customer Service and spoke to a Representative who had no idea about my account being in any program and in fact stated that the account was now in collections. The representative stated that he was unable to discuss any information on my account and informed me to contact the collection agency. Ultimately, Target representatives claim no knowledge of this program nor any of the terms accompanying same. Target is also unable or unwilling to provide any documentation despite collecting numerous payments towards the completion of this program. It is my belief that this account was charged off outside of the Federal Regulations. The payment history on the account indicates that the account was not charged off until several month after the last noted payment. This is due to the payments I was making under this " program. '' Charged off Accounts are to be charged off after 180 days, yet Target did not charge this account off until several months beyond this 180 day benchmark. To that end, Target continued to accept payments towards this account rehab program and failed to account for same when charging the account off.
Product: Credit reporting

Why is still open on my credit report? and the balance is zero. THIS IS FIRST ONE The finance report on XX/XX/2010. I have the health plan from our school. It is cover this bill. 
I also payed this about 5 fives years ago. It also send me the refund on this one. THIS IS SECOND REASON. LET ME LOSS XXXX POINT ON THIS
Product: Credit reporting or other personal consumer reports

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Mortgage

Received Trial modification plan documents from my mortgage servicer The Money Source. The three Trial payments requested have been remitted by money order. Received final Loan modification package by mail. The Modified mortgage payment is more than the trial payments. I've requested a review of my escrow account because my homeowner insurance has been reduced by a substantial amount and the property taxes are incorrect they are over collecting for property taxes and Hazard Insurance. I inquired with he Money Source Customer service when would the trial payments totally {$3300.00} be applied to my mortgage, they stated they could not answer that question. Customer service stated they will not review by escrow account to correct taxes and insurance for the correct amount. I was instructed was to sign the final Loan modification documents even though the mortgage payment and escrows are incorrect. I don't want to lose my home but I don't want to sign the incorrect modification documents. Since my loan is and FHA loan did The Money Source submit a claim against my private mortgage insurance. The Money Source Customer service has been rude nd unwilling to answer questions and assist me with retaining ownership of my home. 
See Attached documents
Product: Bank account or service

ON XXXX/XXXX/2016 I had a positive balance in my checking account with First Midwest Bank. On XXXX/XXXX/2016 I also had a positive balance in my checking account. Apparently during the night, a check came through, causing my account to be negative, so I was charged a {$36.00} overdraft fee. However, my paycheck ALSO came through-during the night. I do n't believe it is fair or legal to be charged an overdraft fee when in essence, my account had a negative balance for a few hours during the night. No checks were returned and my payroll check more than covered the negative amount. 
Through email correspondence, the branch manager said she would not refund my fee since they refunded two fees in the ( recent ) past. I have banked with this lender for years. I have never been overdrawn, until recently. One of my two employers took away my monthly draw a few months ago, even though I have a signed employment agreement with them, with no notice or warning. I am scrambling to make ends meet with the sudden loss of income. I have explained that on deaf ears at First Midwest. They are kicking me when I 'm down, and have charged quite a bit in overdraft fees to me, in my opinion.
Product: Debt collection

Account : LOCKHART, MORRIS & MONT # XXXX I was unware of this debt and did not have the opportunity to dispute. Please provide validation of debt and method verification with physical PROOF. 

Please provide certified mail receipt if you believe I was aware of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX issued me a check for {$30.00} which was owed to me due to a remaining balance on a credit card that I once had. XXXX XXXX also issued a 1099-C in 2020 for the {$30.00} because they had also discharged any debt owed on that card. However XXXX XXXX continues to report his credit card debt incorrectly to Experian which causes negative harm to my overall credit score. Source : XXXX : XXXX can not XXXX? XXXX Per the following article in XXXX XXXX  Can not Issue XXXX And Subsequently Try To Collect. The issuance of the 1099C establishes that a debt is no longer owed. When a consumer no longer owed a debt to a creditor the creditor can not reports to any credit bureau that a default exists and that same consumer is still obligated to pay it. 

Courts have ruled in similar cases in favor of plaintiffs who sued a bank that issued a 1099-per IRS guidelines yet still sought to collect. XXXX XXXX has settled litigation in a class action over this practice of issuing 1099C, asserting it is a tax matter, yet still subjecting the consumer to collections : https : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to report that I have been a XXXX  of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my XXXX XXXX  once investigation is complete. Thank you for your attention to this matter.
Product: Credit reporting

I wrote Experian in XXXX and they never write me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent this affidavit to all XXXX credit bureaus & they have all ignored my complaints. This is starting to get ridiculous & I need this information deleted expeditiously
Product: Debt collection

While on assignment in XXXX XXXX Pennsylvania, XXXX XXXX 
I received a phone call from a lady claiming to be a representative of XXXX XXXX. Representative asked me some questions I refused to answer, on my lunch break I returned call to XXXX XXXX. 
Apparently, credit card was stolen and fraudulent user went over credit limit. There were purchases made but I was told and assured that I would not be charged nor held accountable for any merchandise charged. 
Years later XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, ( XXXX ) XXXX XXXX representing XXXX XXXX XXXX credit card stating I owe ( {$1100.00} ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX XXXX Date Opened XXXX. XXXX, XXXX  Balance ; {$0.00}
Product: Credit card or prepaid card

Had a negative balance on card, they couldn't tell the difference between and negative or positive balance they charged me {$25.00} overdraft twice even though nothing was owed. They refunded half of the charges but still another {$25.00} was charged. They never correct it.
Product: Credit card or prepaid card

I am the victim of identity theft and my account information was stolen. I received alerts on my cellphone informing me large purchases was made using my account number. Three transactions totaling {$700.00} was charged ( XX/XX/XXXX {$300.00}, XX/XX/XXXX {$210.00} and XX/XX/XXXX {$180.00} ). I  immediately contacted Amex to have my account closed. At that time, the representative closed my account and issued another card. They also emailed me a Declaration of Fraud form to complete and send back. I completed and submitted the form and I was told that Amex doesn't issue a temporary credit until the investigation is complete. It will take up to 10 days for the investigation to complete and at that time a decision will be made if a credit would be issued or not. On XX/XX/XXXX, I received and email to inform me that the investigation was closed and I will NOT be issued a refund of my stolen money. I was instructed to send a request to the company if I wanted to review the documentation leading to this decision. I have NOT received any documentation from the company that supported their decision not to refund me the stolen money. The only information I received was that " They '' investigated the claim and found the charges to be authorized. That is completely false. I did not make or authorize those charges and the company can not provide me with evidence of the investigation. I am requesting a full refund of the money that was stolen from me and Amex did not do their due diligence to protect my account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've made several attempts on XXXX, XXXX and XXXX of XXXX to Experian Credit Bureau in regards to hard inquiry that was NOT authorized by me. Experian have not provided proof, nor provided any documentation. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). The Fair Credit Reporting Act ( FCRA ) is designed to protect the privacy of consumer report information sometimes informally called credit reports and to guarantee that information supplied by consumer reporting agencies ( CRAs ) is as accurate as possible. 

The item is in dispute because the account does not belong to me nor did I authorize THESE COMPANY. 
Type of disputed information : Hard Inquiry Source of dispute information : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. 
Experian have violated my rights according to the federal Fair Credit Reporting Act ( FCRA ) by reporting inaccurate and invalid information. This have affected my privacy as a consumer and violated 15 usc 168c-2.
Product: Credit reporting or other personal consumer reports

IMY CREDIT INFORMATION IS INNACURATE, THERE IS A SOCIAL SECURITY NUMBER THAT IS NOT MINE. 
MY ITIN NUMBER IS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX XXXX XXXX XXXX  have both been Paid in full both still is reporting as delinquent after many letter about other incorrect items reported it kept updating as verified it couldn't be right