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

I am writing to dispute the inaccurate information reported on my credit report by all three Consumer Reporting Agencies. Specifically, my account with XXXX ( Account Number : XXXX ) is showing multiple months of being 180 days late, which is incorrect and misleading. 

Details of the dispute are as follows : XXXX. Inaccurate Late Payments : My credit report shows that I was 180 days late for multiple consecutive months in XXXX and XXXX. This is factually incorrect and does not reflect my actual payment history. Such inaccuracies are severely impacting my credit score and overall creditworthiness. 

This inaccurate reporting is a direct violation of the Fair Credit Reporting Act ( 15 USC 1681 ). I am hereby putting you on notice that failure to remove this inaccurate information from my consumer report within 30 days will be considered willful noncompliance with the FCRA. 

I request that XXXX, Experian, XXXX, and XXXX take immediate action to investigate and remove this inaccuracy from my credit report. Please provide written confirmation of your investigation and the corrections made to my credit report. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX {$0.00XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX  {$1700.00} 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 reporting, credit repair services, or other personal consumer reports

I recently went on-line to get my free yearly credit report and was startled to see old information still being listed on my report even after contacting the various credit bureaus as far back as XX/XX/XXXX. Specifically 2 revolving credit company 's I had a long relationship with : # 1 ) XXXX opened inXX/XX/XXXX ( had an issue with an on-line bill pay, that was corrected and they sent me an official letter of explanation ( that also should have notified the credit bureau 's ) the amount in question is {$36.00} and to this day is still showing up adversely. 
# 2 ) Synchrony-JC Penney's- Opened in XX/XX/XXXX this account was shared by my then ex-wife ( whom we were divorced in XX/XX/XXXX ) and when the divorce took place in XX/XX/XXXX she immediately ran the credit account to the max, however, I negotiated with the account representatives on a payment plan to pay it off. Even though it was done without my consent/unauthorized. I should not have negative reporting still occurring on this file when it was closed in XXXX. 
# 3 ) I recently did a VA cash out on my mortgage with XXXX XXXX and subsequently was approved by XXXX, for a new Mtg. There are 3 Hard credit inquiries all related to this transaction 2 in XX/XX/XXXX and 3 in XX/XX/XXXX, all negatively impacting my credit. This also, happened when we were looking to purchase a car at a " Tent '' sale and about 10-15 harh pulls were made to our credit all trying to get approved financing. The consumer should not be penalized for these types of actitvities when they're all related as I understand the Law.
Product: Credit reporting or other personal consumer reports

I contacted all three credit reporting agencies regarding items that werent mine on my credit report. I let them know that these particular items were due to identity theft. Each of the agencies gave me the same conclusion, in order to get rid of items on my report I needed to first begin a dispute and wait the allotted time as well as fill out an Identity theft report with the FTC. I did all of theses things supplied a copy of the report and the further told me I still had to wait for their investigational findings. After the results of their investigation came back there was still no change. Due to the present case that the CFPB just won in federal court concerning the lack of investigation on the part of both XXXX and XXXX I believe the same negligence or lack of investigation was repeated in my case. I gave all the required information proving what I said to be true along with CFPB complaints as well as my official reports from the FTC. I would just like for these items to be removed.
Product: Credit card

American Express sent me a replacement card for an existing account without my having asked for it. The card was never used by me, never left my house, and it was placed in a locked safe. AmEx claims they tried to alert me to a security concern about the card and denied initial attempts to use it -- claim they called me but never spoke with me or left a message. Subsequently an $ XXXX charge was approved ( despite never having heard from me about the security concerns ). When I received the statement with the charge I called IMMEDIATELY to report fraudulent use. I received a letter dated XX/XX/XXXX stating, " Any interest charges and/or miscellaneous fees that may have been billed to your account as a result of the fraudulent charges will be credited accordingly. '' THEY HAVE NOT. DISPUTE REFERENCE NUMBER XXXX They have since continued to send me notices of overdue balances. Whatever fees and interest that may have been adjusted still show a balance due of {$120.00} on XX/XX/XXXX. I have called to have " my '' late fees credited only to then have interest charged to the closed account. I have called, been placed on hold and spoken with representatives at least 5 times -- each time with assurances that the matter will be taken care of and my credit ( which was previously unblemished ) restored. I was just alerted by my XXXX credit card that I have a report of a balance overdue on my credit report. It is from the fraudulent charges that were reported ALMOST A YEAR AGO. I have spent HOURS on the phone in thus far unsuccessful attempts to resolve this issue. 

While I do not know the full account number of the CLOSED account, statements seem to show conflicting information : Account ending XXXX and XXXX It is unfathomable to me that I can not make any headway with an issue that I was assured would be resolved after the initial report.
Product: Credit reporting or other personal consumer reports

I have 5 unauthorized inquiries from XXXX XXXX XXXX XXXX, EXETER, XXXX XXXX XXXX XXXXXXXX XXXX AND XXXX XXXX XXXXXXXX XXXX XXXX on my credit report that are holding my credit score down tremendously. Please remove them from my XXXX, XXXX, AND XXXX XXXX REPORTS ASAP. THANK YOU AND HAVE A BLESSED DAY.
Product: Mortgage

Despite an overage to my escrow account balance my mortgage company insists that my monthly mortgage payment must be increased to satisfy annual payments for mortgage insurance and property tax. In XXXX my mortgage payment increased from XXXX to XXXX. The mortgage lender, upon my inquiry, explained the aforementioned increase was a result of an increased escrow balance requirement due to increasing mortgage insurance and property tax. In an effort to avoid future negative escrow balance issues, I made an additional surplus payment causing an overage to my escrow balance. This XX/XX/XXXX I was informed by the mortgage lender that my mortgage payment would increase due to an increased escrow balance requirement. Despite my current escrow balance overage, the lender issued a check, to me, for the overage and increased my monthly mortgage payment for the XXXX calendar year to offset the increased escrow balance requirement resulting from increases to my mortgage insurance and property tax. I was able to make contact with the escalation department representative, XXXX, who returned the overage funds to the escrow account at my request, but informed me that this action would have no impact on the pending increased monthly payment ; additionally she informed me that any future increase to my property tax and/or mortgage insurance would cause an increase to the escrow balance requirement resulting in an increase to my monthly mortgage payment throughout the life of the loan.
Product: Debt collection

I got a call on XX/XX/XXXX approximently XXXX XXXX EST, The company was Aldous & Associates, they claimed I was sent to collections by a health and fitness company called " XXXX XXXXXXXX '' which the gym was located in XXXX AZ, I canceled my membership with this gym during the fall of XXXX, when I was switching to another gym down the street, I came in person and requested to cancel my membership, I paid a " Cleaning and Cancel Fee '' ( XXXX $ ) so I can achieve this, I left the gym with the idea that it was canceled but I still was getting charged with fees and dues even after I canceled, I contacted the gym and they told me to contact " XXXX XXXX '' since all of the payments was handled with that company. I contacted them numerous times and was still getting charged, they finally stopped charging me after I had a long conversation with XXXX of their agents, the charges varied from XXXX XXXX XXXXXXXX XXXX 

Now Aldous XXXX XXXX contacted me, with a collection of XXXXXXXX XXXX  from XXXX XXXXXXXX, I got frustrated and explained to them that I had already canceled with them months ago, to which the agent who contacted me said " no you didn't and you have this amount collected '', I explained that I was going to contact an attorney to resolve this, which the agent responded with " Since you said you were going to take legal action, I can not continue to have this conversation '' he was hesitant with giving me information, I asked for his name which he responded with " XXXX '' and gave me the number of the company which my attorney can contact ( XXXX ) I searched the company up online and a lot of people has had the same issue with them, where they put a collection notice with gyms that they already paid to cancel and mess up their credit score. Im just frustrated by this and don't want my credit affected.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts listed below from my credit file pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). As a victim of a data breach, I did not authorize the accounts below and request your prompt assistance in addressing this matter. 
Fraudulent Accounts : XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Amount : {$450.00} XXXX. XXXX XXXX XXXX  - XXXX - Opened : XX/XX/XXXX - Amount : {$6300.00} XXXX. XXXX XXXX  - XXXX - Opened : XX/XX/XXXX - Amount : {$11000.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Amount : {$00.00} XXXX. XXXX XXXX XXXX  - XXXX - Opened : XX/XX/XXXX - Amount : {$12000.00} XXXX. XXXX - XXXX - XXXX : XX/XX/XXXX - Amount : {$1300.00} XXXX. XXXX  XXXX - XXXX - Opened : XX/XX/XXXX - Amount : {$680.00} XXXX. XXXX  XXXX - XXXX - Opened : XX/XX/XXXX - Amount : {$510.00} XXXX. XXXX  XXXX - XXXX - Opened : XX/XX/XXXX - Amount : {$800.00} XXXX. XXXX  XXXX - XXXX - Opened : XX/XX/XXXX - Amount : {$1400.00} XXXX. XXXX - XXXX - XXXX : XX/XX/XXXX - Amount : {$2400.00} XXXX. XXXX XXXX  - XXXX - Opened : XX/XX/XXXX - Amount : {$11000.00}
Product: Mortgage

The problem is not listed so I just chose the most innocuous one.

Last year, United Wholesale Mortgage mismanaged my escrow account by not using my money to pay my insurance for a year. The insurance expired and I was not able to get insurance with that company again. I got insurance with a new company and paid for it myself out of my pocket because I don't trust United Wholesale Mortgage to manage my money. 

I filed a complaint with your organization and United Wholesale Mortgage lied to you and gaslighted you and you closed the case. 

I have continued to pay my own insurance and United Wholesale Mortgage refuses to lower my escrow cost so I have continued to pay my mortgage without fail even though they increased my escrow charges! 

Two weeks ago, they sent me an email saying they " paid your property taxes '' when they didn't. They actually paid my insurance! 

I decided to look at my escrow balance and I found a secured message from them that said I had a shortfall in my escrow account! They never contacted me about this. I found out by accident. I responded by asking them where the money went and also why are they paying my insurance when I already paid it. They never answered me. 

I decided to look on the website and see if they answered the message ( but never contacted me like before ) and now the website says I have a shortage of nearly {$6000.00}! Where is the money I have been giving them every month? Now they say they are increasing my monthly payments by over {$700.00} per month!!!!! It is absolutely impossible that I am short this money. WHERE IS MY MONEY? 

I have tried calling but the people on the phone just hang up when they don't know the answer to my question. WHERE IS MY MONEY? 

I asked them to close the escrow account and let me handle my own money since they have proven to be incapable to do that. They said they won't.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the author of this complaint and after checking my credit report I noticed some fraudulent, inaccurate, and incomplete reporting on my credit report. The inaccurate reports are damaging my livelihood and reputation and affecting my ability to be approved for a higher credit limit increase and an apartment. I am disputing the accuracy and completeness of these accounts mentioned below and I would like the results of the investigation sent to me in the mail along with any method used to verify Remove Collection Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Update Late Payments to 100 % paid on time : XXXX XXXX
Product: Credit reporting or other personal consumer reports

IDs XXXX XXXX Dear XXXX & equifax XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Pictures of proof included XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX REPORTING PAYMENT HISTORY CHANGE FROM XX/XX/XXXX & XX/XX/XXXX was change too XX/XX/XXXX & XX/XX/XXXX. 

PAYMENT HISTORY ON XX/XX/XXXX : SAYS I MADE A PAYMENT BUT THERE NOT A OK IN PAYMENT HISTORY & WHAT ABOUT XX/XX/XXXX & XX/XX/XXXX REMARKS : NOT SHOWING NOTICE OF DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS REPORTING MAXIMUM DELINQUENCY : XX/XX/XXXX out of date & 90 DAYS NO LATES IN PAYMENT HISTORY. 

LAST PAYMENT CHANGED : FROM XX/XX/XXXX TO XX/XX/XXXX THATS A VIOLATION LATE PAYMENTS IN PAYMENT HISTORY : THERE NOT ANY LATE PAYMENTS BUT THE ACCOUNT STATUS SAYS I HAVE 90 DAYS LATE. 

Remarks : THERES NO NOTICE OF DISPUTE PAYMENT HISTORY : THERE NO LATES & PAYMENT HISTORY HAS BEEN XX/XX/XXXX IN IS NOT REPORTING ON XX/XX/XXXX & THERES NOT ANY LATES IN PAYMENT HISTORY XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX from these dates. 

Want both ACCOUNTS removed If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors 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. 

FILE NUMBERS FROM PAST DISPUTES : XXXX XXXX FOR XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Inquiry details XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX View your credit report
Product: Credit reporting or other personal consumer reports

For the 4th time today I was notified about disputes available on line but yet again there not and I got HUNG UP ON AGAIN
Product: Credit reporting or other personal consumer reports

On numerous occasions I have requested debt verification. My most recent report # XXXX dated XX/XX/year> still shows the accounts and no verification was provided to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Credit Card A/C is missing in my TransUnion Credit Report. A/C Type : Credit Card A/C Number : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This A/C was there in my TransUnion Credit Report for last several years. Suddenly this A/C has disappeared from my TransUnion Credit Report. <P/>This A/C is still open. Even if I close an A/C that just can not disappear from my Credit Report. <P/>XX/XX/17 - I contacted TransUnion Within 1 week I received a letter from TransUnion. They provided me a copy of my Credit Report ( which I did not want ) but did not address my problem / issue at all.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, IL XXXX I am writing to formally dispute incorrect personal information listed on my credit report. Below, I have detailed the inaccurate entries and provided the correct information for your immediate review and correction : XXXX. Name Incorrect Entries : XXXX XXXX Also Known As : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Year of Birth Correct Year : XXXX  XXXX. Address Incorrect Entries : XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX IL XXXX XXXX. Employer Incorrect Entry : XXXX XXXX XXXX XXXX Correct Employer : [ No employer or update to the accurate one if applicable ] I request that these errors be investigated and corrected under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ). Please ensure my credit report reflects the accurate information provided above. 
To assist with your investigation, I am including the following documents for verification : A copy of my government-issued ID ( e.g., drivers license ). 
A recent utility bill or official correspondence verifying my current address. 
Please confirm in writing once these corrections have been completed or if additional information is needed. I expect your response within the time frame outlined by the FCRA. 
Thank you for your attention to this matter. Please feel free to contact me at [ Your XXXX with any updates or requests. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I told public records that my information need to be updated my phone number my address my email address they never did remove my old information but they never responded
Product: Credit reporting or other personal consumer reports

I have illegal unauthorized hard inquiries on my report that I do not recognize! 
I want them removed immediately! 
These hard inquiries are on my Equifax credit report and are in error. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These hard inquiries are on my Trans Union credit report and are illegal . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I have not been able to access my accounts with merrill lynch for over a year. In XXXX of 2014 I was locked out of my Merrill lynch XXXX account. I have called the bank for over a year bi-weekly. I have gone into the Bank of America branch at least 10 times. 

The bank is refusing to allow me access to my money, my bank statements or allowing me to shut down the accounts and have my money issued to me. 

I have spent countless hours for almost a year and a half trying to get records and access to my funds. They have refused to help me and tell me to go into bank, I go into bank and they tell me to call. I no longer want to do business with this bank and want my money. I also need my bank statements.
Product: Credit reporting or other personal consumer reports

I have recently reviewed a copy of my credit report. currently very upset someone is applying under my information I have been a victim of identity theft. i found numerous inquiries on my report that were not done by me. this has been affecting and hurting me as I am now in the process of purchasing a home for my new family with a baby on the way Please remove unauthorized inquiries from my credit report As soon as possible all these inquiries are unathorized and not mine, please remove them. they are causing a lot of stress to me. they are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have hard inquiries that appeared on my credit report across all three credit bureaus XXXX, XXXX, Experian on various different dates. I have contacted all three bureaus by mail about this incorrect information on my report. All three bureaus replied stating that it was my responsibility to investigate these creditors & matters individually. 

( XXXX ) XXXX XXXX - inquiry from XX/XX/XXXXXXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX ( XXXX ) XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX ( Experian ) XX/XX/XXXX - inquiry from XX/XX/XXXX XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry fromXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I filed a dispute with Equifax because my Equifax file was reporting the XXXX XXXX XXXX account as delinquent. ( On my FICO Equifax file it has 30/60 Days Delinquent listed. At the time I spoke to several customer service representatives and was informed they can not dispute the delinquency because they are unable to see it on my Equifax file. Equifax was accurately reporting the XXXX XXXX XXXX account as included in my bankruptcy proceedings : however, the account was never delinquent and was discharged in the XXXX  XXXX Bankruptcy filed in XXXX of XXXX. Today ( XX/XX/XXXX ) I received the results of my dispute and unfortunately I am worse off then when I started. The account specifically has listed " Included in Wage Earner Installment Plan '', under Additional Comments it says " Bankruptcy XXXX  XXXX '' and it says Date Closed " XX/XX/XXXX ''. I filed bankruptcy in XXXX of XXXX XXXX XXXX XXXX was included in said bankruptcy. What essentially happened is the last dispute I filed reaged the account so instead of it being accurately listed as 6 years 7+ months old it is now being listed as only 1 year? days old. After speaking to several representatives today I was told I need to provide additional proof that this account was included in my bankruptcy. Therefore I solicited the assistance of the Bankruptcy Court in Kansas and they emailed a copy of my Bankruptcy Discharge papers which includes XXXX XXXX XXXX