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

Subject : Request for Removal of Inaccurate Late Payments from Credit Report Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention an issue with my credit report that I believe requires immediate attention as it is affecting my creditworthiness and financial standing. According to the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681B, it is mandated that the information in credit reports should be accurate and complete. 

Upon reviewing my credit report, I noticed that there were two late payments reported on my account. However, I would like to emphasize that these late payments were inaccurately listed. As a responsible consumer, I have always ensured timely payments on all my accounts. The information provided in my credit report does not reflect my accurate payment history, and this discrepancy is causing significant harm to my credit score and overall financial well-being. 

I kindly request that you investigate this matter and remove the inaccurate late payments from my credit report as soon as possible. I have enclosed copies of relevant documents, such as my payment receipts and statements, to support my claim and verify my payment history. I believe that a thorough review of this evidence will confirm the inaccuracies in the late payment listings on my account. 

I am confident that your prompt attention to this matter will result in the removal of the erroneous information from my credit report, thereby restoring my creditworthiness to its accurate state. I appreciate your cooperation and understanding in resolving this issue. 

Please inform me in writing of the actions taken to investigate and rectify this matter. You can reach me at the phone number or email address provided above if you require any further information. 

Thank you for your immediate attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX
Product: Debt collection

XXXX intends to collect amounts not owed and sent the account to a collection agency. 
The Consumer has been spending in legal fees to prepare for civil and criminal investigation as applicable, since it is so clear. This comes from certain purchase at XXXX XXXX which was cancelled, and refunded. 

XXXX seems not to know how to read English, and seems that doesn't know that {$2400.00} - {$2400.00} = XXXX and not {$2400.00} XXXX does not validate the supposed debt and attached you will find the validation with their very own statements of account, and the American Express statements of account. 

If they did not send a double refund, to me, they do not have any right to claim a duplicate one. XXXX XXXX refunded once, American Express issued a temporary refund until XXXX refunded, and reversed it after XXXX refunded. 

Attached you will find the validation of no debt and the evidence of XXXX intending to defraud the Consumer, with a general adjustment to the account when they did not pay that amount to any of the 3 other parties ( consumer, XXXX XXXX, AMEX ).
Product: Mortgage

First Security Bank/Glacier Bank Loan Mortgaging Service/XXXX XXXX XXXX After we purchased our first home we have had many problems with our mortgage. The first came in 2021 when we received notice that our property taxes were delinquent. We contacted the bank and they came back to us saying they had miscalculated our mortgage payment and lowered it from {$1700.00} to {$1500.00}. They also let us know they would be issuing a refund check from our escrow. We also later found out that the reason why it had not been paid in the first place was because XXXX XXXX XXXX had the wrong parcel number on our loan. Again in 2021 we received another letter stating our taxes were delinquent and a lien was to be placed on our home if not paid. After contacting the bank we received a call that " they weren't sure why it wasn't paid, but someone was hand delivering the check that day. '' This month we received a statement that our mortgage payment was going up from {$1500.00} to {$2200.00}. It said our escrow account was almost {$5000.00} in deficit and they were going to take those payments over a 12 month period. Upon contacting the bank they said that seemed unusually high and would look into it. They ended up finding an error, but did not say what it was. Our payment is now down to {$1900.00}. They said we never paid for the taxes on our home just the property. We have looked into this and according the the county treasurer and department of revenue all our taxes have been paid and are up to date. If we owe taxes on the house, it seems like this would've came up much sooner than a month before we are supposed to pay this new amount. It feels like someone at the bank made a mistake and we are now paying for that to cover them.
Product: Credit reporting, credit repair services, or other personal consumer reports

While look at my credit report on XX/XX/2020, I discovered that there is an inaccuracy with the credit bureaus. I have filed a report with the federal bureau and the company, but it has not been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me. please remove! } XXXX  XXXX XXXX not mine 2 } XXXX XXXX not mine 3 } XXXX  XXXX XXXX Original creditor : XXXX XXXX. not mine {$4700.00} 4 } DEPT OF ED/XXXX {$31000.00} Balance updated XX/XX/2020 never late im in deferment 3 late payments 5 } DEPT OF ED/XXXX  {$37000.00} Balance updated XX/XX/2020 never late. im in deferment 2 late payments
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian at XXXX XXXX MST to unfreeze my credit. The last time I checked with my bank, at XXXX XXXX XXXX, they still could not run my credit report. 
I called XXXX several times but all I got was automated system. The automated system said my credit report was unfrozen. However, my bank was still unable to run a report. 
I contacted two other numbers listed for corporate offices 1 ) XXXX this resulted in same automated system which never gives option to talk to customer service 2 ) XXXX this resulted in press 1 for automated ; press 2 to speak to customer service. However, when I chose 2, I was automatically connected to automated service again. 
I dont believe it should take more than one hour to be able to run credit report after unfreezing it. 
I would have unfrozen XXXX but my bank only uses Experian.
Product: Debt collection

I have had XXXX and have been covered fully since 2012. I have faxed proof, contacted several times and it never gets resolved but is continuing destroying my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting

I sent an email to the Annual Credit Report website regarding my attempt to receive my wife 's credit report from TRANSUNION after getting my report. This is the email I sent to them : My wife does n't seem to be on my credit reportfrom Transunion. I tried to get XXXX in her name but it does n't allow it. WHY?? 
She might have credit issues not listed on my report that we would like to beaware of. 
The thing is I have been unemployed since 1992 due to XXXX caused by work injuries and my wife has been the bread earner since then. So why the heck ca n't we receive a credit report in her name? The whole thing is a pile of stupid running the show.
Product: Checking or savings account

On XXXX XXXX XXXX Citibank closed my account. I have called several times and they wont give me any information about when I should receive my money. It has already been about a month no letter explaining why they closed my account and when I would receive my remaining balance which is $ XXXXCitibank customer service is ridiculous and I am tired of wasting my time on the phone with them. I am going to try to go into a branch and see what I can do. I dont think it will help because this bank is ridiculous and somebody should do something about their disregard for their customers I have never dealt with a bank this bad.
Product: Credit reporting or other personal consumer reports

XXXX has reinserted an account that was from identity theft. Transunion has failed to block accounts from identity theft. That is a violation 15 U.S.C. 1681-1681 and 605b The reinsertion of identity theft accounts on your credit report is a serious violation of the Fair Credit Reporting Act ( FCRA ). When an individual is a victim of identity theft and fraudulent accounts appear on their credit report, federal law provides specific protections and procedures under the FCRA to help victims rectify the situation and remove the fraudulent information from their credit report [ 1 ]. 

If a credit reporting agency reinserts identity theft accounts that have been previously removed as a result of a dispute by the victim, it would generally be considered a violation of the FCRA. Reinserting this inaccurate information without proper verification goes against the FCRA 's provisions designed to ensure the accuracy and integrity of credit reports. Please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate account which is the XXXX XXXX XXXX on my report. It is now 35 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently pulled my credit report and XXXX XXXX has my personal information that i did not consent to. this is violating my rights of privacy and needs to be corrected
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Purchased a product from XXXX XXXX. Product was delivered to the wrong building. Opened a claim with American Express, in which the supposed letter from XXXX XXXX stated they did deliver the packages and acknowledged it was delivered to the wrong building. Im unsure why American express is holding me to the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to file this complaint to EQUIFAX. I sent them a letter dated XX/XX/2023 regarding the inaccuracies in my report such as late payments, incorrect charges, date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Vehicle loan or lease

I did not apply for a secured loan with OneMain financial. I have a power of attorney durable that has been in effect since XXXX. I advised one main financial in person and in writing for which I have a witness to that I had a power of attorney and I am unable to execute a secured a title loan with then they proceeded with this fraudulent transaction anyways. They forged my electronic signature. I never signed for this in person or with a line what signature or with a witness or with a notary my California durable power of attorney is very explicit, that I am not to enter into any financial transactions, regardless of what type that they are, they violated and breached my power of attorney, and they did not collect my named agents authorization from my power of attorney. As a member of the XXXX  community, who is a XXXX and XXXX this is an abuse towards members of this community, and I need some resolution. 

OneMain financial then fraudulently attach themselves as a lienholder to the California DMV and paid off my fathers XXXX loan, which did not have authority from me and my father or my power of attorney I need them to refund XXXX so then I can refund one main financial in full for the money that they illegally deposited into my account. The money is still in my account. I have not used it all {$4.00} is still in my account. I want to refund one main financial, this is elder abuse against my father who is XXXX in the primary on the XXXX car loan and abuse towards me. I XXXX XXXX member of the community. 

On XX/XX/XXXX, I made OneMain financial once again, aware that I had a power of attorney I made them aware in writing, since they refused to acknowledge my power of attorney in person, verbally for which I have a witness to, and this witness will testify under oath that she heard me tell one main financial in person over the phone and saw me write it out in an email that I have a power of attorney and they fraudulently Signed electronically I never sign electronically. I am prepared to take them to court. They already have an enforcement action against him from XX/XX/XXXX for {$10.00} XXXX for this very same behavior them responding is not enough they need to refund XXXX and when they refund XXXX and take themselves off of my dads car registry, I will refund them in full for the amount that they deposited into my account with all my authorization for which I have a witness to my durable power of attorney goes into affect the day that it was signed not when I am in capacitated per the clear instructions.
Product: Student loan

Navient failed to provide me with School Misconduct Discharge Application after my school XXXX XXXX XXXX XXXX XXXX XXXX  was found guilty of defrauding students through XXXX XXXX XXXXXXXX and after my Borrower 's Defense Application was accepted. 

I asked for the forms several times over the years and found out through XXXX that a " secret form '' exists. Then they gave it to me after years of paying for the loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reported to the credit bureau for 1 late payment over 30 days due to a yearly membership fee of {$59.00} THAT WAS DUE ON XX/XX/XXXX allthough this credit card has been paid in full since XX/XX/XXXX. 
I have authorized CAPITALONE on several occasions to deduct minimum payments automatically from my bank account. 
I spoke with the rep at Capitalone and they verified that they have all of my correct banking info. On file however, the automatic payment was never generated and therefore they have reported negative information on my credit bureau.
Product: Checking or savings account

Several years ago around XXXX roughly, I had opened a checking account with Bank of America. The offer was for an account that required no minimum balances. To clarify, if the account held a positive balance I was not to be charged any fees. In XXXX, after a few years of not using the account and having a balance around {$500.00} I went to a bank branch in XXXX, where I had opened the account, to make a withdrawal. My ATM card was no longer active so I went to the teller with driver 's license and had a second form of ID with me. Upon asking the teller for a withdrawal, they accessed my account and told me because I had not used the account in some time I would need to speak to a personal banker there in order to withdraw funds - and, no one was available at that time so I would need to wait and/or return. 

At that time, I was still not being charged any fees so rather than to deal with the hassle, I decided to maintain the account as some small savings. In XXXX, I went into a branch on behalf of a company I was working for who had accounts at Bank of America. While there, I asked to speak to a banker about my personal accounts and they informed me that my balances were now below {$0.00}. Apparently they had been charging me a monthly fee for a few years now. I requested that the account be made whole to the amount it contained prior to them changing the rules for the account and for me to withdraw the entirety of funds and close the account. After speaking to the manager at this branch in California, she told me they could refund the last 2-3 months ( I don't recall the exact amount ) of withdrawals and I declined finding this to be unsatisfactory. What I'd like, is for the entire balance to be restored to what it was prior to them charging fees and to be able to withdraw those funds without incurring any fees. 
I see below a request for documents and if necessary, I can go to a branch and get statements to show what's occurred
Product: Debt collection

I saw two inaccurate collections about medical bills that I dont recognize on my XXXX XXXXredit monitoring service. Ive been trying to dispute and they dont want to delete even though these two dont belong to me. 

It says it was open on XXXX of XXXX and also says it was almost 7 years ago. 

Those two collections are : Lockhart, Morris & Mont Amount : XXXX And the other one from the same company in the amount of : XXXX. 

I was a victim of Identity Theft around this time. This company is NOT showing a validation of the debt and XXXX doesnt want to delete and doesnt let me to dispute it. 

I found this abusive and its affecting my credit for more than 100 points. 

Please help! 

XXXX XXXX
Product: Debt collection

Within literally minutes of opening a new cell phone account and number with XXXX XXXX ( KY ) is received a phone call from XXXX. I did not answer but when I got another call several days later I returned their call to see what it was about. I spoke with a " customer service representative '' named XXXX, who refused to give me any information until I provided him with my name and phone number. He said their call concerned " personal and private '' matters. I could not get any additional information from him. I insisted that he connect me with a supervisor and after several minutes on hold he did so. They identified themselves as EOS CCA, and I finally figured out that they were some sort of a debt collection company, but the supervisor would not provide me with any information about the reason for their calling me. He was very evasive when I asked him direct questions about how he got my phone number and why they were initiating this phone contact with me. I finally insisted that they take me off their call list, which he said he did. I told the supervisor that I expected they would NOT ( emphatically stated ) call me again and that I would be filing a complaint with an appropriate government agency. It is amazing to me that they would call me so soon after opening a new telephone account with a company I had never previously done business with. Incidentally my credit rating is impeccable and I am debt free. Interesting to say the least. Are they legitimate or scammers. The are inconsiderate in the least.
Product: Credit card

I have had an account with Citi Cards for many years. I decided to close the account as I was not happy with the interest rate they were charging. I payed off all of the amount due and after ensuring that I had a XXXX balance I requested the account be closed by sending a letter together with my final payment to the appropriate address on XX/XX/XXXX. Subsequently I received a statement with several charges that I had not made totallin {$79.00}. I contacted the customer service department and explained that these charges were not mine. They forwarded the information to the fraud department and the charges were disputed. I was told I was not going to be responsible for these charges. Eventually, I received a statement with a credit for these charges, however, this credit was reversed and I was billed for the same amount once again. My account continued to be open and I continued to get statements indicating that I owed the fraudulent charges. On XX/XX/XXXX I received a check, addressed to me, for the amount that was being disputed. I continued to be billed for this amount, plus the accrued interest of the " unpaid '' balance, even though I had disputed these charges, asked to close the account, and had not cashed the check they sent me. By this time I had, for the third time, contacted Customer Service and was assured that the account was closed, yet I continued to receive statements. Additionally, they sent me a NEW set of cards which I obviously did not request. I called and spoke again to customer service and was advised to return the check as payment for the credited amount. I still have the check in my possession because it is addressed to me, reason why I fear will not cancel the amount they are billing me for. By now they have sent me numerous statements, texts and emails requesting I pay the {$79.00}, which, with their added interest has risen to {$80.00}. So, in addition to the non-responsiveness to my clear request of closing the account, they refuse to address the issue of the fraudulent charges being billed ( charges which I did not make ). I am afraid that these fraudulent charges and subsequent issues such as the added interest and the fact that I will not pay these charges, will affect my credit score.

Many thanks for your assistance.
Product: Credit reporting or other personal consumer reports

I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copyof my TeleCheck consumer credit report sent to me via mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not able to extend my credit to myself for personal use. I have not been able to live. Its been a hassle with all of these fraud errors on my account.
Product: Mortgage

Citizens One Mortgage. 
After 5 months I'm trying to refinance with cash out I have thrown in the towel. I have bent over backwards to make sure the process went smooth but was repeatedly asked to submit the same information time and time again was redirected to several people for this refinance only to have the person in charge of it do nothing, but ask for more information and then lie to me and say that we're just waiting on underwriting or we're waiting on title or were waiting on your home Owners Association was always an excuse just a horrible horrible experience ... .. now I'm out {$480.00} for the appraisal cost and the employee that was in charge of this, hides behind emails and his computer and lies!