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

In XX/XX/2018 I completed a lease on a XXXX vehicle for the full term of the lease of 36 months. Each payment was made on time and the lease was reported in XX/XX/2018 with no balance and paid as agreed. I received a bill in XX/XX/2018 for XXXX which was money owed on the car for excess mileage, and lease disposal fee. In XX/XX/2018 XXXX XXXX reports the lease with a balance of XXXX and pays as agreed. Then on XX/XX/2018 Hyundai reports the lease as 31-60 days late. How can this go from XXXX to XXXX is paid on XX/XX/XXXX, and then is reported on XX/XX/XXXX as 31-60 days late. Also I have had leases in the past with Hyundai and the reporting of the lease has always been for the payment terms, not the end of lease charges. The end of lease charges have been paid as the document attached shows. This is not fair to a good customer who has always made their payments on the lease on time. 
This is not correct the terms of the lease for 36 months were paid on time. I paid the XXXX on XX/XX/2018. I check my credit bureau on XX/XX/XXXX to show the reporting on this account with Hyundai is now showing pays 31-60 days late with a balance of XXXX. This is not correct the account should show paid as agreed with a XXXX  balance. I have always paid this account on time with the payments over the 36 month term. An end of lease charge should not be rated, and the balance has been paid. 
I appreciate your help in getting this credit bureau reporting corrected to show the account as paid in full, and pays as agreed.
Product: Mortgage

We had a mortgage loan with Citadel Servicing Corporation. We sold our property and escrow closed on XX/XX/2021. The loan was paid in full at closing. Until today we have not received the escrow over payment refund from the lender. XXXX XXXX form the lender company called us on XX/XX/2021 to verify the new address for refund check, yet we never received any checks. After we called them several times, on XX/XX/2021 we provided our bank account info by phone for security ( not by email ) and they agreed to issue an ACH deposit. Until today XX/XX/2021, we did not receive any deposit, we called them again and the only answer we have is, " we will get back to you ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

They reported a derogatory mark to the credit bureaus, listing it as a charge off because I did not send them the documents they had requested. 
XXXX  XXXX XXXX, requested a bank validation letter from me. I sent the bank validation letter on XX/XX/XXXX.. XXXX XXXX XXXX  repeatedly told me it would take x amount of time to reinstate my account. I followed up with XXXX XXXX XXXX  after the time had been sufficient as they had stated. Then they after speaking with a supervisor, then a manager for almost 3 hours they told me they had never received my bank validation letter. I told them that my XXXX indicated that I had sent the letter per their instructions ... with my card number, the bank validation letter in a PDF format. They researched the emails after I sent them the original email showing the date XX/XX/XXXX. Then they claimed to have found it but could not open the PDF file, ( Ive sent many PDF files via email and every one has been able to view it ). So, I disputed it with the Credit Bureaus. Not only did they not resolve my issue but XXXX XXXX XXXX  now reports that I am late for XXXX, that is not true I paid twice in XXXX.
Product: Credit reporting or other personal consumer reports

I have identified several accounts that are negatively impacting my creditworthiness and financial stability.
Product: Checking or savings account

In the past 6 months money has been taken out of my account several times by an unknown merchant the first time the bank credited me then took it back and it kept happening they kept not reimbursing me and said they believed it was me or a friend who used my card but I dont have friends like that where I live because its too expensive for most people to live here and I rarely leave my house I do my shopping ect, online it feels like my card was cloned or my information of my phone or computer.. either way it felt like no matter how many times I hit s new card the charges kept happening every other month it seemed then I changed my pin after like the third time and so far it hasnt happened again my feeling is that several people I know and websites stated that Wells Fargo had experienced a data leak.. I feel like I was a victim from their poor security.. every time I reported it ( the merchants name was pai iso and if you XXXX what that is and why am I being charged for it theres hundreds of not thousands of others who dont recognize the merchant and feel scammed ) my bank never believed me or had my back with financial reimbursement I just feel like they owe me ..especially with everything thats happened with Wells Fargo in the last few years so if yall can help I would greatly appreciate that Thanks XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was 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 from erroneous reporting in my file are listed on my credit report : 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

XXXX has charged me the entire phone charge for a replacement phone that i received. 
The original phone had several issues, and I was told that I would not have to return the old one. 

I later received a bill that included the entire cost of the old replacement, and when I tried to resolve issues with the bill I was given no other options but to pay the entire balance. 

Since payment was not affordable, the bill could not be paid Original Creditor Name XXXX
Product: Credit reporting or other personal consumer reports

I reported that there was an account on my credit report that did not belong to me. The Account is : XXXX XXXX XXXX XXXX After reporting this account to Experian all they said that this account was mine. They did not show or prove that it was mine. I demand that this account is deleted and removed from my credit report as I never applied for any credit with XXXX. It is illegal to report an account to someones credit report that does not belong to them.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXXXXXX XXXX XXXX stalking of my XXXX by XXXX XXXX the XXXX and XXXX of XXXX XXXX. They took over my credit card account and information on the account of XXXX XXXX of XXXX XXXX XXXX XXXX XXXX PA starting XXXX I had XXXX credit score for XXXX accounts XXXX XXXX, XXXX, XXXX Bank, and XXXX XXXX. They used my credit card first and took additional card out on account. After I paid XXXX XXXXXXXX XXXX XXXXXXXX bills I found in XXXX that the account was taken over so I closed the account but my payment information from XXXX  XXXX did not follow to the new account. So I owe at new account number XXXX and I shoud not I XXXX XXXX paid XXXX at XXXX time XXXX while XXXX after XXXX, and paid twice a month to XXXX cover any charges and my old bill. My XXXX XXXX XXXX PA card XXXX they took over and my auto pays went XXXX plus one hundred dollars more like XXXX dollar bills generated by XXXX of georgia XXXX XXXX rink of XXXX XXXX family the XXXX and XXXX XXXX XXXX  and now in XXXX XXXX  area. I never got new cards for any account, and she has my bank accounts by XXXX XXXX XXXX XXXX XXXX XXXX out of XXXX PA XXXX of these banks XXXX XXXX  PNC XXXX and XXXX and XXXX XXXX and my saving closed XXXX XXXX but they let XXXX XXXX use it still closed because these XXXX do not SSN as Czechoslovakians in this country. XXXX XXXX cousin XXXX helps steal from discover card by adjustment of payment and bill out of XXXX PA lockbox illegally. They took my good account and flip them to new account number of all credit cards and ran up XXXX at PNC and got teller XXXX at PNC XXXX to take payments of my account or it was XXXX XXXX with XXXX XXXX XXXX nose ring staff member ( XXXX XXXX child of DOJ lawyer living XXXX XXXX to steal from XXXX. They held me republican run jobs and took them so I could not pay to loss my credit standing and took over my XXXX retirement and vesting in XXXX XXXX, XXXX, and XXXX XXXX by putting the investment out of portfolios to just annuity to steal with the help XXXX in XXXX PA social security. They also stole from weekly payroll check with fake XXXX payrolls on XXXXXXXX XXXX  victims I reported XXXX XXXX XXXX XXXX it is XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX or XXXX a fleet XXXX with XXXX XXXX XXXX ' XXXX with XXXX hair who lives in XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about this complaint. 

CNAC - XXXX XXXX Balance {$0.00} ;
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it XXXX concern, My name is XXXX XXXX XXXX, XXXX XXXX I have reviewed my Equifax credit report and noticed a few hard inquires that I did not ask for. This is a written request for the following hard inquires to be removed. I have called Equifax and the creditors and was given the run around about this situation. If not resolved in XXXX days I will have to contact the Consumer Financial Protection Bureau once again. If you have any questions or concerns, feel free to contact me at XXXX or email at XXXX Thank you, XXXX XXXX XXXX Hard Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX under section 623 A as the data furnisher continues to report using the E-OSCAR system information that is NOT 100 % complete or accurate. I am on state XXXX and I was notified by the UTAH XXXX office it is illegal for XXXX to report any XXXX related billing issues to the credit bureaus. Several violations have been committed under the FCRA, HIPAA and the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes, I sent a follow-up dispute ( XX/XX/2018 ) by means of a Credit Repair Organization, Experian has failed to respond. They have violated the FCRA in that it has been more than 30-days. Please see items below COLLECTIONS  XXXX XXXX XXXX ****XXXX {$370.00} XXXX  XXXX  XXXX ****XXXX {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a settlement payment in XX/XX/2020 to XXXX XXXX  XXXX. My report still does not reflect this payment and settlement. The balance remains. I disputed it 4 times and sent the copies of the money order to all 3 credit bureaus. No resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX and TransUnion to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$490.00} ; XXXX XXXX XXXX Balance Owed : {$500.00}.
Product: Mortgage

BANK OF AMERICA , N.A . IS ATTEMPTING TO FORECLOSE ON MY HOME AFTER A SUPERIOR COURT JUDGE GRANTED ME LEGAL AND EQUITABLE TITLE XXXX XXXX XXXX THE DO NOT HAVE RIGHTFUL OWNERSHIP TO MY PROPERTY, MY HOME IS FREE AND CLEAR.
Product: Credit card or prepaid card

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.
Product: Mortgage

I have now requested that the amount being held for overpayment to be sent to me. After multiple attempts the company continues to advise me that it could be up to 40 business days to issue a refund of the amount I overpaid at closing. The amount is over XXXX dollars and is being held by the company. I have requested it be overnighted to me and they refuse. I have attempted to request this payment to be reissued and sent out to me, and they have delayed and delayed and still have not sent the check that was supposed to be issued to me in XXXX. It is now XXXX and they still refuse to send the check back to me. Please assist me with this matter. Thank you.
Product: Checking or savings account

I recently receive an email from Wells Fargo today XX/XX/22 advising I open a new checking account witch I did not. I do have a checking and savings accounts with Wells Fargo but did not open anything any up as of XX/XX/22 I reported this matter to the bank and they closed the account but will not release any info pertaining to the application are were the card is being mailed I am currently on edge right now I do not have problems like this was it someone I know? Maybe neighbor? I do know know I need this info to provide to. my local police department to investigate
Product: Debt collection

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX XXXX XXXX Acct : XXXX Original Acct : XXXX I told you to stop contacting me and you continue to contact me which is a violation. I asked you to validated the debt 60 days ago and tou never did. You need to deleted this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer U XXXX Open Date XX/XX/2018 Balance {$42000.00} As a customer I have legal rights that are given to me to protect me from misinformation being stated on my credit report. At this stage I want to produce a previous request for investigation before I speak with my lawyer for tips on how to handle inaccurate and unverifiable items that are continuing to be established as legitimate. You need to have me along with a copy from the agreement approved or voice interaction where I permitted billing me regarding this account.
Product: Money transfer, virtual currency, or money service

On XX/XX/22 I transferred my entire balance of {$4000.00} from my Truist Checking Account to one of my XXXX XXXX XXXX checking accounts. On XX/XX/22 Truist closed the checking account at my request, and sent me a letter confirming the action. I never received the funds in my XXXX  account. On XX/XX/22, I attempted to find out where my money went. Truist Client Center told me that for unknown reasons, XXXX  XXXX XXXX rejected the transfer. Since my Truist account was closed, there was no where to put the money. It is important to note that Truist never informed me of this fact, and still has not provided my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ). On XX/XX/XXXX, I sent my first round of dispute letters to XXXX  Credit Bureau, TransUnion LLC and XXXX Credit Bureau, which was my stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report. By the FTC, ( Federal Trade Commission ) rules and regulations, all three bureaus had 30 days to delete all fraudulent information from my credit report. 
2 ). On XX/XX/XXXX, I sent three stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report. A letter to XXXX Credit Bureau, by XXXX. Postal Service Certified Mail Number XXXX XXXX XXXX XXXX XXXX, a letter to TransUnion LLC, by XXXX. Postal Service Certified Mail Number XXXX XXXX XXXX XXXX XXXX, and a letter to XXXX Credit Bureau, by XXXX. Postal Service Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX. These were my first round of dispute letters, for which XXXX Credit Bureau was supposed to remove : XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$3600.00}. XXXX XXXX, account number XXXX, opened on XX/XX/XXXX. collection, account number XXXX, opened on XX/XX/XXXX, with a balance of {$1200.00}. collection, account number XXXX, opened on XX/XX/XXXX, with a balance of {$160.00}. My first round of letters for TransUnion LLC, which they were suppose to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$410.00}. And my first round of letters for XXXX Credit Bureau, which they were supposed to remove : XXXX XXXX, account number XXXX, opened on XX/XX/XXXX. XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$36000.00}. XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX. XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$33000.00}. XXXX XXXX, account number XXXX, opened on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX. XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$31000.00}. XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$410.00}. 
3 ). XXXX Credit Bureau, TransUnion LLC and XXXX   Credit Bureau had 30 days by the FTC, ( Federal Trade Commission ) to remove fraudulent information on the first round of letters ( The stamped Identity Theft Report, and my stamped police report, and XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up 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 XXXXXXXX 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, credit repair services, or other personal consumer reports

XXXX and Equifax show in my credit report two bankruptcies as public records reported from two different courts on the same date XX/XX/XXXX in the bankruptcy court of the city of XXXX, Fl and in that of the city of XXXX Fl with different numbers of records on the same date : XXXX for US BKPT CT FL XXXX and XXXX for US BKPT CT FL XXXX. 
The public record of bankruptcy was filed in the XXXX court of initiation, but was transferred to the XXXX court where the Discharge of debtor was concluded on XX/XX/XXXX. The fact that the credit reporting agencies show how I publicly record two bankruptcies on my credit report prevents me from refinancing my home.

It is impossible by law to file two individual bankruptcies on the same date and year even so these credit reporting agencies show that I have two bankruptcies on my credit report when without a reasonable doubt they are shown on the same date and even only that of the bankruptcy court of the city of XXXX Fl. shows that it was resolved on XX/XX/XXXX and that of the city of XXXX Fl, as an unsolved petition.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I want to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the following accountsXXXX XXXX XXXX XXXX XXXX XXXXAccount Number : XXXX XXXX XXXX XXXX XXXX XXXXAccount Number : XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA XXXX, I believe we need to delete any erroneous accounts from my credit report. Could you review the documents? Some accounts listed have incorrect reporting details, amounts, and dates.
Product: Credit reporting or other personal consumer reports

am writing this letter to exercise my rights as a consumer under the relevant laws, including the Fair Debt Collection Practices Act ( 15 USC 1692g ) and the Metro 2 laws, to dispute the alleged debt that you claim I owe. I kindly request that you provide me with verification of this purported debt. In accordance with the laws, I expect you to furnish proof that this debt is indeed mine. To satisfy the verification requirements, I demand a formal declaration, duly notarized, from an individual with first-hand knowledge of the matter, attesting to the accuracy of the statements and facts associated with this debt XXXX  Account Number : XXXX - Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX - Current Status : {$1000.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX - Account Number : XXXX - Original Creditor : XXXX XXXX XXXX XXXX 
- Date Opened : XXXX XXXX, XXXX- XXXX XXXX : XXXX account. {$710.00} past due as of XX/XX/XXXX. XXXX XXXX {$710.00} XXXX XXXX XXXX - Account Number : XXXX - Original Creditor : XXXX XXXX  - Date Opened : XX/XX/XXXX - Current Status : Collection account. {$960.00} past due as of XX/XX/XXXX. Status Updated XX/XX/XXXX Dispute of Fraudulent Account Due to Identity Theft I am writing to dispute an account that has been fraudulently opened in my name. The account details are as follows : I did not open this account, and I am a victim of identity theft. Enclosed, please find a copy of my FTC Identity Theft Report and proof of my identity. I request that you investigate this matter, close the account, and confirm in writing that I am not responsible for any charges associated with this account. 

Additionally, I request that you cease reporting this account to the credit reporting agencies and remove any related negative information from my credit report as required by the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of the actions taken.