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

See the attached affidavit and credit report and remove the account XXXX XXXX from my credit report due to inaccurate reporting. There are records of CFPB complaints showing that I have tried to get this corrected for over a year and quite frankly I am tired of writing Experian and XXXX when XXXX has since removed this account due to the inaccurate late payment reporting XX/XX/year>. I have been keeping record of the correspondence sent to you and I will be moving forward with legal action after sending this affidavit if this account is not updated or removed from my credit report. Please take this complaint as a notice of my intent to sue your agency if this account is not removed within 21 days.
Product: Mortgage

I refinanced my condo in XXXX XXXX. When I refinanced, I had to show proof of hazard insurance XXXX home insurance ). I did that, that 's how I got to closing with the loan. When the escrow account rebalanced in XXXX, somehow, they forced their hazard insurance into my escrow account ( now mind you, I pay out of my own pocket for home insurance every year ). I called to complain about it, and it took several months to resolve. Once resolved in XXXX, there was an overpayment applied to my principal ( the overage was the insurance payment ). When my escrow rebalanced in XXXX, they did the same exact thing. I have complained to them several times. They have even done another escrow analysis and this time, they are charging me too much for my taxes. My taxes were {$1100.00} last year, this year they were reduced to {$1000.00} XXXX for some reason, the bank gave me the run around about how they were still assessing my escrow at the XXXX taxes XXXX. I informed them that my taxes had gone down, and it took me another XXXX phone calls to get it resolved. During this process, my mortgage payment should be less than {$1000.00}. Because of their inability to perform simple tasks, my mortgage payment were {$1000.00} for 2 months, then {$1000.00}. This is unacceptable that I have to pay for their lack of doing their jobs. I am now in the process of cancelling my escrow account, but I have been jerked around with this process also.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

When filing disputes I was under the impression that the Bureaus had 30 days to reply to my request is this not true? .. It has been way over 30 days we are going on 6 months now and NOTHING!!! .. What do I have to do to make them reply to my request?. I have already took the time to file disputes and now am having to take the time to write a complaint all because they refuse to do their job.
Product: Debt collection

Per the attached letters dated XXXX XXXX, 2015, I had previously contacted XXXX of Texas questioning charges. I received a letter XXXX attached ) in return dated XXXX XXXX, 2015 stating that they would review my concerns and that they would respond within XXXX business days. I did not receive a response from them. Today I received a letter dated XXXX XXXX, 2015 from Financial Corporation of America, the collections division of XXXX Texas, again demanding payment, without any of my concerns being addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX  I sent an identity theft report and a certified letter to Equifax that was delivered XXXX The report was disputing XXXX unauthorized and fraudulent inquiries, and the letter was to update my personal information. On XXXX XXXX received a response from Equifax dated XXXX  stating the following : " THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. '' That same day, I checked my Equifax consumer report, and I see the disputed items still being reported. This is a violation of 15 USC 1681c-2 ( a ) for refusing to block information resulting from identity theft, 15 USC 1681b ( a ) ( 2 ) for furnishing a consumer report in accordance with the written instructions of the consumer to whom it relates, 15 USC 1681e ( b ) for failing to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, and 15 USC 1681n ( a ) for willful non compliance of deleting unauthorized items from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

XXXX XXXX representing XXXX XXXX called XX/XX/XXXX in an attempt to settle up XXXX accounts they are trying to collect for XXXX Student loan Trust. While talking to XXXX XXXX she had stated that XXXX would settle for {$29000.00} and then the next day I was sent an email saying that XXXX would settle for {$43000.00}. I feel that this company is not a reputable company if not a scam. I have recently sent them a letter requesting them to send proof that these loans are valid since XX/XX/XXXX we filed bankruptcy on these loans and feel that they have been satisfied then.
Product: Credit reporting or other personal consumer reports

The company has been contacted multiple times in regards to my request to remove this from my report I did not under 15 USC 1681 provide them with consent to obtain or furnish my information. I also have no account with midland credit management I have ever consented to.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Consumer Loan

Car Dealer persuaded me to take a loan with Capital One Auto Finance for a lower rate. I received information in the mail, but have been unable to pay the bill. There online bill payment says that I am locked out. My wife and I have spent over XXXX hours attempting to resolve this on their web site and on the phone with their customer service. We have reset passwords and we are not able to pay our bill. This has been going on for a week. It is not reasonable for a loan company to make it so difficult to pay the bill. I have been trying to pay the bill early. Imagine the people who wait and try to pay the bill at the last minute. The company has limited hours to help with these problems. Their web sit does not allow you to reset a pin ( if the web site did work which it does not ). When you contact their service representative, he is insulting and unhelpful. He implies it is your fault for not being able to use their system properly. Capital One sends information about how easy it is to pay your bill, but their system is not usable. There is no way to pay your bill. I have just now received a letter from them that we can pay be online, by phone, and by mail. I was told by the customer service rep that I could not pay by phone until the system was set up. It looks like I am suppose to pay by mail as my only option. I do not have any confidence that they will correctly process my mail payment. So I guess I need to use certified mail which adds expense that exceeds the amount of money that I was suppose to save using their loan. I can not express to you how strongly I feel that this is an unethical company.
Product: Credit reporting or other personal consumer reports

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

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 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

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Checking or savings account

Unauthorized ATM withdrawals totaling a loss of {$20000.00}. These charges were not authorized and money was stolen. Created a case with Wells Fargo bank and with XXXX XXXX Police Department. 
I received a call from Wells Fargo bank stating they will not cover the losses of the money because it was done with a pin number. 
XXXX XXXX Police XXXX requested videos of the transactions with subpoena and was refused any videos and photographs of the ATM transactions. I was contacted by Wells Fargo Bank and they stated they reviewed the video of the transaction and it clearly showed it was not me making the withdrawals. Wells Fargo has admitted that it was not me who withdrew the money but they refuse to help law enforcement. Wells Fargo is unwilling to help with an ongoing police investigation by not providing videos. Wells Fargo is not providing insurance to cover the loss of stolen funds.
Product: Credit reporting or other personal consumer reports

This is my follow up complaint i filed last 15 days ago I noticed some late payments/inaccurate information posted on my consumer report : XXXX, XXXX XXXX Balance {$880.00} US DEPT ED XXXX Balance {$1200.00} US DEPT ED XXXX Balance {$1200.00} US DEPT ED XXXX Balance {$2000.00} US DEPT ED XXXX Balance {$2100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX has violated my rights. 


XXXX XXXX XXXX section XXXX A. States I have the right to privacy XXXX XXXX XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Instance 1 Account name CHASE RECEIVABLES Account number XXXX Recent balance {$210.00} as of XX/XX/XXXX Date opened XX/XX/XXXXStatus Collection account. {$210.00} past due as of XX/XX/XXXX. 


In dispute XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Address identification number XXXX Original creditor CHASE RECEIVABLES Type Collection Terms 1 Months On record until XX/XX/XXXX Credit limit or original amount {$210.00} High balance $ XXXX Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XXXX First reported XXXX Responsibility Individual
Product: Vehicle loan or lease

In XXXX of this year, I refinanced my car loan and Innovate Loan Servicing was paid in full. I took the necessary steps to get the refund of the Gap Insurance and a Protection policy. I was informed that the Gap Refund check was sent on XX/XX/XXXX and the Protection check was sent on XXXX to Innovate. About a month ago, I did receive a phone call from a gentleman from Innovate stating that the Gap refund check was was received on XX/XX/XXXX for {$550.00} but he stated that he didn't have record of the {$260.00} check for the Protection policy and he would have to look into yet. I have not yet received either refund. They do not respond to any of my e-mail requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Account : XXXX XXXX XXXX Account number : XXXX Date opend : XXXX XXXX Balance : {$410.00} Contact info : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, UT XXXX Phone number : ( XXXX ) XXXX Account : XXXXXXXX XXXX Account number : XXXX Date opened : XX/XX/2021 Balance : {$1800.00} Contact Info : XXXX XXXX  Address : XXXX XXXX XXXX XXXX, UT XXXX Phone number : ( XXXX ) XXXX
Product: Credit card or prepaid card

USAA sent me a letter dated X/XX/2016 stating they received a response to a billing dispute for a charge from XXXX XXXX for {$430.00} which they stated was a valid transaction based off documentation received from XXXX XXXX. This transaction is being used to deem a larger credit card fraud claim my responsibility as well. <P/>The problem with this response from USAA shows they did not accurately investigate the billing dispute. They must have not even looked at the reply from XXXX XXXX or they would have spotted the immediate errors : * Dispute was for XXXX, documents received show two charges for {$74.00} and {$120.00}. These do not add up to the amount being disputed which was a single charge and not two charged. * The documentation received was from XXXX not XXXX XXXXy * The documentation showed receipts for a sale which took place in Florida * The documentation states the bill was for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL * The receipts show a card swiped with a different # and being issued to XXXX XXXX XXXX not me. * The signature in no way resembles the one they have on file for me * The supplied Tracking numbers should have shown this merchandise was never intended for or sent to me. <P/>Despite the overwhelming evidence this charge was not performed by me or even mine, USAA held me responsible for it saying they investigated it fully. This charge is now being used in a credit card fraud billing dispute USAA decided to reverse a year later in violation of the consumer protection time frame to finalize billing dispute. USAA states their investigation showed I was responsible. One of the reasons being I have a XXXX XXXX rewards number. I 'm unsure what that has to do with it, seeing as this charge obviously was not mine. Having a Rewards Number does not automatically make me responsible for any charge from XXXX XXXX.
Product: Debt collection

A collection agency named IC Systems is reporting that I have a {$570.00} debt with XXXX on my credit report. When I found out about this, I contacted XXXX immediately. The informed me that a large portion of that debt was for unreturned equipment. I made arrangements to return the equipment, and did so. Once the return of the equipment was registered, the rep at XXXX  told me that I still had a remaining balance of {$190.00}. I tried to pay XXXX   directly, but they told me that I had to resolve the remaining {$190.00} with IC Systems. I have been in contact with IC Systems directly, but they are still trying to collect the full {$570.00} balance. I have explained to them about the revised balance, due to the return of the equipment, but they refuse to acknowledge the adjusted amount. I've even given IC Systems contact information to the people I dealt with at XXXX, but they refuse to follow-up and confirm the changes. I have no problem accepting responsibility for any balance I have, but I refuse to pay a collection agency {$300.00} more than I actually owe, and its illegal for IC Systems to continue to ask for more than the actual debt is.
Product: Credit card or prepaid card

Hi Old Navy CC ; SynCB ; I'm little confused that you even allowed to mark me late on XXXX & XX/XX/2021 for 30 days last during XXXX. I was actually shocked today when i reviewed my credit report from all major credit bureaus and noticed those late payments as mentioned. I am not sure how this happened, but I believe that i made the payment as required on the dates stated and noticed that you took it from my bank account when i received my statements. My only other thoughts are that my monthly statements did not get to me on time.
Product: Credit card

I have held the Chase Marriott BonVoy Boundless Visa CC since XX/XX/XXXX. Since then, I have used this card for transactions at XXXX properties in XXXX ( XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX ) but haven't received the 6x reward points that were advertised and based on which I decided to avail the card at the annua fee of {$95.00}. Upon noticing this discrepancy with reward points, I called the Chase credit card helpline who, in turn, directed me to contact XXXX. Given my Ambassador status with XXXX, I escalated this issue to my designated XXXX Ambassador ( XXXX XXXX ). While XXXX has been able to credit the deficit of points from the XXXX XXXX and XXXX XXXX XXXX stays, there is no clarity on the other 2 properties XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX. Worse, neither XXXX nor Chase is offering me an assurance that this problem has been fixed at the core, and that all future transactions will earn the 6 x rewards bonus, as advertised - furthermore, I have collectively devoted over 3.5 hours of my time in articulating these details to XXXX over email and to Chase over the phone- I have come to point where I am questioning as to whether any of these organizations care or are accountable? Thet are merely reacting to the symptom without showing any interest in addressing the root cause ; worse, they don't seem bothered at having the customer spend time gathering these copious details
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Office of the Attorney General of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Credit Reporting by Experian Dear XXXX XXXX, I am writing to formally dispute inaccuracies present in my credit report as reported by Experian. I have identified discrepancies between the information available on the Experian website and the report I obtained from XXXX. 

Specifically, my account is inaccurately marked as a " charge-off, '' which is incorrect. This misinformation has been on my credit report for over a year and is adversely affecting my creditworthiness. I have not entered into any agreements with third-party companies that may have contributed to this erroneous reporting, and I have no contractual relationship with them.

Under 15 U.S. Code 1681n, Experian may be liable for willful noncompliance in this matter, as they have obtained and reported my information under false pretenses. I urge your office to investigate this situation, as I have sustained damages due to this inaccurate reporting. 

I am attaching copies of my credit reports for your review, which highlight the discrepancies in question. I request that you take the necessary actions to have this account removed from my report immediately. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,