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

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items arebeingreported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The Reinserted of previously deleted negative information on my credit report, specifically pertaining to an account with Bank Of America. 
I was not notified that this account would be reinserted.- this is a violation -If previously deleted information is reinserted into the credit report, the CRA must notify the consumer within five business days of the reinsertion. ****** This notification must include : -A statement that the information has been reinserted. 
-The name, address, and telephone number of the furnisher of the information. 
-A notice that the consumer has the right to add a statement to their file disputing the accuracy or completeness of the information. 

This reinsertion is in direct violation of the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ).
Product: Credit reporting or other personal consumer reports

TransUnion, I am writing to dispute late payments that are currently being reported on my credit report. Specifically, I am disputing late payments that were reported on account # XXXX for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
And account # XXXX months of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The Fair Credit Reporting Act requires that consumers be provided a 30-day period after the payment due date before an account can be reported as late. However, I was never provided the mandatory 30 or 60-day late notification period before these late payments were reported. This is also very inaccurate compared to my XXXX report which only has XXXX late payments inaccurately reporting and both reporting agencies get the same data so how do I have 7 more late payments on TransUnion? 

Section 1681s-2 ( a ) ( 1 ) ( A ) of the FCRA states that furnishers may not report information about a late payment until 30 days after the payment due date. By reporting this late payment without first providing the required 30 or 60-day late period, XXXX and TransUnion violated federal law. 

Pursuant to the FCRA, I am requesting that you remove the disputed late payments on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit report. I am also requesting that you provide me with copies of any correspondence or records that show I was properly notified that the payment was past due, as required by law, before reporting it late. 

Please investigate these disputed late payments and correct any inaccurate or incomplete information on my report. I can be reached at XXXX and or XXXX if additional information is required. Thank you in advance for your prompt attention and compliance with the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit card

My commitment to timely payments on this account has always been steadfast, preventing any instances of overdue payments. I'm puzzled by the reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be addressed
Product: Credit card or prepaid card

My account with US DIRECT EXPRESS has been repeatedly locked for unjust reasons. I am asked to send original in color personal documents over and over to a unsecured email address supposedly to verify my identity. This account was referred by the US Treasury Department who has a government contract with this company my identification shouldn't be in question and I've provided requested documents over and over and issue with having hold released from my account in turn giving me access to my Government Benefits that have been deposited by US Treasury Department to this card they refer us recipients to have been denied. This has been ongoing problems with this company putting some of the most vulnerable citizens in distress over funds not being made available either by holding them are them being fraudulently taken from the account. This is my only income and I am XXXX I need to have this issue resolved with US DIRECT EXPRESS but no cooperation on their behalf. Wait times for customer service are grueling and even then told the same thing send documents that I am continuing to send verifying identity and no action being taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The errors on my credit report that were addressed are inaccurate and your refusal to comply with my dispute request is not acceptable. This is your final chance to resolve the inaccuracies on the accounts. If your investigation is not able to confirm the validity of the accounts information I believe is inaccurate, please update it right away. 

XXXX XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX Late Dates XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard inquiry from XXXX XXXX for Utilities/Fuel and Telephone Companies on my TransUnion and XXXX credit reports. First, I have zero affiliation with XXXX XXXX in any capacity ; second, they are a telephone services company and NOT a utilities/fuel company. Both initiated an immediate red flag for me. The hard inquiry is negatively effecting my credit score. The inquiry was made on XX/XX/2018. This is all appearing on both my TransUnion and XXXX credit reports shown through the XXXX XXXX website. I have spoken with a representative at XXXX XXXX in the fraud department and confirmed the hard inquiry.
Product: Money transfer, virtual currency, or money service

I received an ad on XXXX about automated blinds. I inquired, and XXXX XXXX XXXX called and came to quote in person. At that time the representative ( XXXX XXXX ) prepared an invoice and requested {$1600.00} as a deposit which was paid via Zelle. The remaining {$400.00} was to be paid upon completion. Initial scheduled date was XX/XX/XXXX, but nobody showed up. In the afternoon a received a call claiming the warehouse got flooded that's why they did not show. Rescheduled for Monday XX/XX/XXXX, nobody showed up and no reply to my text inquiring about it on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I attempted another contact, was told coming on XX/XX/XXXX, another no show. On XXXX attempted contact requesting a refund. The business replied that they'd drop off the check. No check was ever delivered nor electronic transfer. XX/XX/XXXX another contact was attempted with no resolution nor refund. Several other attempts were made to the business with no response. I bank with XXXX XXXXXXXX XXXX who investigated the claim but were unable to resolve since the business banks with XXXX XXXX. I tried to resolve with XXXX XXXX who indicated to resolve with XXXX XXXX XXXXXXXX. They go by XXXX XXXX XXXXXXXX XXXX XXXX but the registered name of the business is XXXX XXXX XXXX. There are multiple businesses under the owners. The owner is a convicted felon and there are numerous complaints and lawsuits for theft and fraud including healthcare fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am an identity theft victim XXXX XXXX XXXX Not my account XXXX XXXX Not my account XXXX XXXX Never rented from this place. I own my own home This is not my account
Product: Mortgage

Bank of America was our mortgage holder and they were having legal trouble last year we received a notice from Bank of America taking money off of our mortgage principle in the amount of {$53000.00}. we then received a tax document and we were told by bank of America and our accountant that bank of America would assist in paying the tax on the {$53000.00}. when we went to bank of America to ask for assistance they said we did n't qualify. So we were stuck with an XXXX tax bill. At which time we lost our son to suicide we were struggling both emotionally and financially. We struggled along and in the fall we became behind on our mortgage. We then contacted Bank of America to ask for a modification on our mortgage they said they would send package out to us to fill out. Two weeks went by we had n't receive the package so we called back, again we were told they would send out a package we did finally receive the package after waiting for three weeks. we filled all the papers out sent it back and again waited to hear. After waiting for another two weeks we called Bank of America again we got we need more information we did this three more times now we are into our third month behind. They would not accept any partial payment. so we sent all information in to Bank of America and waited. another month goes by we call. they said they had n't made a decision yet. so we waited. and waited. After waiting for three months we still had no answer and now we are so far behind we were sick with worry on what was taking so long and how are we going to catch up. We called bank of America one last time they again told us they had not made a decision yet. Then two week later we received letter from XXXX saying we were in default of our mortgage and we needed to pay the back mortgage or we will loose our home. 
Bank of America put us off for months until their sale of our mortgage to another company so that we are now at a point that there is no way we can come up with the amount owed at one time.. So we now are scrambling on how to save our home. If they were just honest with us and worked with us. They made our bad situation a whole lot worse.. I know that Bank of America has done this to other people it does n't seem right that we loose our home because bank of America used sneaky tactics. Now we are so far behind and not sure if XXXX is going to work with us. we applied for a modification with XXXX and we are waiting to hear from them.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Md XXXX Date : XX/XX/year> Debt Collector 's Name : credit systems int inc Address Account number : none ( Direct energy LP ) Amount : {$870.00}. 
Dear collection agent, I took a look at my credit report and saw a collection from you reporting on my credit. I am unaware of this debt and why it's even on my credit report. So therefore as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware based on what you are reporting that there is a debt from [ XXXX XXXX XXXX, ) but I am unaware of the amount due since there is no breakdown of any fees. Additionally, Please provide a breakdown of fees including any collection costs and charges. Provide a copy of my signature with the provider of service to release Information to you, Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from XXXX XXXX can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service In connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to valldate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with the above requested proof. Upon receiving it, I will correspond back by certified.
Product: Credit card

On XXXX of this year Discover Card closed my accounts after making a halfhearted attempt to contact me to verify my personal information. They sent one email which was lost in the shuffle of a very busy inbox. No attempt to call me was made and no paper mail was sent to me. Because of this both of my accounts, which had a XXXX balance, were closed by the creditor, causing a cascade of credit issues, dropping my available balances and crashing my credit score. I feel that this action was done deceitfully and maliciously. The creditor provided no relief except to apply for a new line, only to be declined for having open accounts, the same accounts that they closed! Discover, a creditor which prides itself on its customer service record, has absolutely ruined my credit which will take years to recover from.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.XXXX   XXXX {$620.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$14000.00} XXXX  XXXX XXXX {$950.00} XXXX XXXX XXXX {$2500.00} XXXX CARD XXXX {$2500.00} XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX {$420.00}
Product: Credit reporting or other personal consumer reports

I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including Repossessions. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX.
Product: Student loan

I would like to know how to go about sueing Sallie Mae or some kind of referal I have tried to contact several attorneys and just get run around. Sallie mae forced me into a bancrupcy because they would not work with my payment which instantly ruind my credit for 7 years. I got no relif from bancrupcy after bancrupcy payment was same I had to let loans get charged off to get any help with lower payment after charged off I came to an agreement of {$250.00} payment for rest of my life they said. But after 3 months in they renigged on the agreement with no answer as to how they can take back an agreement they agreed to do for me. Now my credit is not only ruined for 7 years it ruined rest my life till pd of because will report negative till pd off so my credit is XXXX for rest of my life which has impacted my XXXX XXXX. A {$60000.00} original loan has accrued to over {$160000.00} that apparently I didnt even qualify for they knew they were getting me into this position.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter shall serve as formal Notice of my Intent to file a Complaint with the FTC, due to your blatant disregard of the law. 

As indicated by the attached copies of letters and mailing receipts, you have been delivered by registered mail both a dispute letter, dated XX/XX/XXXX, as well as a follow-up letter, dated XX/XX/XXXX. As of this moment, you have not done your duty mandated under the law. Your inaction in this matter is inexcusable, and your disregard for the law is contemptible. XXXX assured, I will hold you to account. 

As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago :
Product: Credit card or prepaid card

On XX/XX/2023, I disputed an overdraft amount of {$140.00} with CashApp regarding a transaction that originally occured on XX/XX/2023 ( transaction # XXXX ) from a sale made through XXXX for a merchant shop purchase. CashApp provided a " temporary '' refund/credit, on or about XX/XX/XXXX and or XXXX, for the transaction while the transaction was undergoing dispute by CashApp and XXXX with XXXX merchant. On XX/XX/2023, XXXX provided a " card refund '' /credit to my CashApp account ( transaction # XXXX ) for the same merchant transaction. The funds credited by XXXX on XX/XX/2023 were subsequently withdrawn from my CashApp account by XXXX unaccounted for after receipt within the account on XX/XX/2023. On XX/XX/2023, CashApp officially denied my dispute for the merchant purchase back on XX/XX/2023 associated with CashApp transaction # XXXX and debited my CashApp account {$140.00} making the account OVERDRAWN by this amount ( - {$140.00} ). I reached out to CashApp to dispute the negative entry based on the fact that CashApp had already withdrawn the XXXX card refund/credit ( transaction # XXXX ) submitted to the CashApp account on XX/XX/2023, case # ref : XXXX : ref was opened. CashApp confirmed they received the credit but did not remove the negative entry from my CashApp account and directed me to request the details of the transaction for more information. I requested the transaction details used to determine the denial on XX/XX/2023 and received notice, the same day, that my case ( ref : XXXX : ref ) was closed without ever sending the transaction details I had requested. My initial dispute was denied based solely on the " type '' of dispute I entered and NOT the actual concerns raised. I opened up another case on XX/XX/2023 ( ref : XXXX : ref ) and explicitly stated that I was requesting that CashApp reopen my initial case ( ref : XXXX : ref ) and explained that the dispute options offered by CashApp were XXXX and that NO option was available for disputing CashApp XXXX errors. That case was also denied, along with my request for transaction details and subsequently closed. When I tried to review my accounting statements for XX/XX/2023 to show CashApp what the issue was and why the overdraft should be reversed, I was not able to balance the accounting ledger/details provided by CashApp within the app or online. CashApp used " single '' entry accounting for the online statements and " double '' entry accounting for statements within the documents section on the app. When I tried to balance both statements, they were always off, did not balance out. All entries regarding the CashApp credit occurring on or about XXXX XXXX was unaccounted for within either statement. In addition, the removal of the XXXX card credit funds were also not accounted for within either statements. Based on my experience evaluating my own financial statements from CashApp there is significant evidence that CashApp accounting department is not practicing XXXX with the organization and that is a violation of the SEC financial regulations that govern organizations such as CashApp.
Product: Checking or savings account

I received an unexpected charge on my Regions Bank debit card for {$450.00} from a store I had not stepped foot in in three weeks. This odd charge caused my account to go negative. Regions Bank then charged me an Overdraft Item Fee of {$72.00}. 

This is not fair -- Regions and the store made the mistake in the first place!
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX , NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00}.
Product: Credit card or prepaid card

InXX/XX/XXXX2017, I made a purchase with my credit card at Kohl 's depart store in XXXX DE. Vacation travel had me stuck in Florida during Hurricane XXXX for the first week XX/XX/XXXXso when I returned home I realized my bill. I immediately phoned Koh*s and satisfied my minimum payment. I received a late fee forgiveness for the two day late payment. At least that is what the representative assured me. Whn I receive this months bill forXX/XX/XXXX the balance with credits do not reflect the late fee retracted. the balance of {$130.00} minus my credits of XXXX should leave a remaining balance of {$10.00} added to the onlyXX/XX/XXXX purchase of XXXX, giving me a balance owed of {$45.00}. Instead Kohls has my ending balance as XXXX  again for the month of XX/XX/XXXX