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

This is XXXX XXXX and I am submitting this CFPB Complaint to dispute several fraudulent items on my credit file. As a responsible and conscientious credit payer, it is extremely distressing to see my credit score damaged by fraudulent activities that I did not participate in. I am requesting the immediate removal of these fraudulent items from my credit file, in accordance with the Fair Credit Reporting Act ( FCRA ) section 605b. It is my right as a consumer to have an accurate and fair credit report, and these fraudulent items are not only damaging to my credit score, but they are also completely untrue. I have already taken the necessary steps to rectify this situation, including filing an FTC report and notifying the relevant financial institutions. However, these fraudulent items still appear on my credit report, which is unacceptable ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I must remind you that failure to remove these fraudulent items from my credit file will be considered a violation of the FCRA, and I will not hesitate to pursue legal action if necessary. I expect a prompt response from your office regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SIXTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite five written requests, the unverified items listed below still 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 and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Date Opened : XX/XX/2002 Balance : {$3000.00}, and XXXX XXXX XXXX* Date OpenedXXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, provide the names and business addresses of each individual with whom you verified the above so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit card or prepaid card

Today, XX/XX/23, I tried to make a payment on one of my family credit cards. We were the victims of bank fraud this week, so we had to move money around and open new accounts, so I didnt get to the site until the afternoon of the due date, about XXXX local time ( XXXX XXXX ). Oh, but apparently Discover has decided that the only valid time zone is Eastern, so they shut down payments at XXXX XXXX. So I cant make a payment today, the day Im actually paying. Nope! The payment will be applied tomorrow and well be charged a late fee. Calling them made no difference, though they did agree to waive the late fee. You know, just this once. 

This is a disgusting, predatory racket that allows them to charge people unwarranted fees and negatively impact peoples credit scores. I work with other banks and entities that accept bills as paid up to midnight local time. All banks should be required to do so in my opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover Financial indicating that I owe a debt that is not mine. I sent a letter dated XX/XX/18 advising that the debt was not mine and that I am a victim of identity theft I have made attempts to get this situation resolved due to the fact that i have no knowledge of the debt owed. I have requested verification and validation of the debt owed including a signature validating that i authorized this account. I have attached a copy of my ID Theft report.
Product: Debt collection

This account is now paid off. I received numerous answers from different representatives as to how much I did owe in the past when I did have a balance as well as how past due it was. Affirm was also inconsistent with how often they reported to the credit bureau. Its upsetting to me that all of the representatives at the company are not on the same page. Now that I owe {$0.00}, I would like the account removed from my credit report due to the mixed answers/explanations Ive received from your representatives. I did not know who to believe when calling in the past, which confused me.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. 
The inaccuracies are highly injurious to my credit score CAPITAL ONE Account Number : XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

I have not received my annual credit report from Clarity Services. I want Clarity Services to send and mail me a complete copy of my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureau I have sent letters I even filled out a report here I have not gotten any emails or replies from this company XXXX and I asked that you guys please challenge all 3 credit bureaus which u have not my credit is affected by inaccurate information and this is almost the tenth time Ive filed out this report to get this company to help and only one bureau has been contacted by cfpband Im highly up set because I have not been notified of any charges in my consumer complaint and I will have to take a different approach if this is not resolved I have a XXXX credit score and can not obtain a simple credit card and someone and something is wrong with that I need answers because this is not right or legal
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I took out a title loan from Lendmark Financial Services at a branch location in XXXX MD. I completed the application online, and finalized it in the store. Fast forward to XX/XX/XXXX, I received a call from Lendmark ( and later a letter ) saying that the branch I opened the account with closed, and that a new account was created for me. When I spoke with a representative from the XXXX XXXX MD location, she stated that I needed to provide my banking and paystubs again, and come back in to update my information. She said the loan would start over, but that the balance would reflect the current balance. I think received an email stating that my credit was ran again without my knowledge. When I called them back to inquire, she said that she got my permission, which she did not because I was unaware, and then I asked for my original credit documentation that I signed. She did not provide it to me. I called several times over the next couple of months, and spoke with a manager, a female who was very rude. I explained my frustration to her, and then she asked for another copy of my title because the Maryland DMV wouldn't accept it and that I need to title my car in Maryland, since it was purchased, tagged, and registered in Virginia. I told her I was not going to do that and that it wasn't an issue when the loan was given to me. She threatened me with the police saying it was fraud. I then responded that it was fraud and illegal to run my credit without my permission and start my loan over. On XX/XX/XXXX, I called Lendmark XXXX and inquired about my documents and payment history from XXXX, and she could not provide it to me and it was not in my account. When I asked her about why my credit was ran again this year, she said that I refinanced and backed out, which is untrue. That never happened. I told her that the branch location ran my credit without my knowledge, and how was the new application received? She could not answer, and hung up on me. So I have no loan documents, the loan was restarted without my knowledge or permission, and the payment terms started over.
Product: Checking or savings account

Fulton Bank XXXX XXXX XXXX XXXX, PA XXXX refuses to accept a properly executed Power of Attorney ( POA ). My Pennsylvania attorney reviewed this POA and stated that this document is properly executed. 
My sister appointed me as the Agent for Principal. 
The XXXX XXXX XXXX  XXXX, XXXX XXXX and Fulton Bank XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX, PA XXXX, have both refused to honor this Power of Attorney and give an explanation. 

My sister is presently not ambulatory and receiving in-home Hospice care. 
Since I live in Florida, I made a 3-way call with my sister, XXXX XXXX XXXX and the head teller, XXXX XXXX XXXX XX/XX/year>2024 who works at the XXXX XXXX XXXX of the Fulton Bank XXXX XXXX mailed me XXXX 's bank statement for this period XXXX/24XXXX/24. 

My sister, XXXX, named certain charities and beneficiaries to receive proceeds from her accounts during the remainder of her limited life. 

I have made repeated attempts including phone calls, mail and emails to request that the bank accept this POA and proceed with allowing me to execute my sister 's wishes. My Pennsylvania attorney also called and emailed XXXX XXXX XXXX, XXXX. Fulton Bank requesting an explanation as to why Fulton Bank is not honoring this POA. XXXX XXXX refused to give an explanation to my attorney as to the reason for their refusal to honor this POA. 

Fulton Bank is in possession of the properly executed original POA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, XXXX XXXX XXXX collection account no. XXXX is inaccurately and wrongfully re-aging the date of first delinquency on their acct. on EQUIFAX BUREAU. 
I have attached the exact same evidence XXXX saw to delete " for the retention period ''. 

10 days from today the 7 year retention period ends.Equifax in their most recent CFPB complaint ( attached here ) did not investigate as XXXX has done.This will not bode well for Equifax in court when the judge and jury is awarding punitive damages for more than 50 fraudulent verifications- ( according to the lawyer creditors ) XXXX  Legal did not consult their creditor for removal because sufficient proof of the re-aging was supplied here just as you have before you today.

So if not removed from EQUIFAX BUREAU BY XX/XX/20 please send a {$10000.00} check for damages.This is the max.limit small claims damages in my area.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and equifax have failed to remove fraudulent obtained account and is reporting inaccurate info incorrect addresses names and phone numbers see below XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX And inquiry from XXXX XXXX on XXXX and 4 inquiry on other reporting agencies
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Bank account or service

I have an account with TCF.I had about XXXX items hit ( all under {$25.00} ) and they were deducted from my available yet still in pending.This brought my balance down to {$90.00}. A check hit for {$120.00} causing me to over draft.At this point I knew I would have one fee as I was unaware my daughters daycare was taking that out, but that was ok.The next day I received my daily email from TCF stating they were assessing my XXXX overdrafts as they sat on those other charges for 5 days! Even though they deducted them from my balance they added them back, then added the overdrafts THEN an the charges. These had already been deducted form my balance at this point.So they went back to assign me fees.I have never seen anything like this in my life and it seems very unethical.After that they went on to charge me XXXX more!
Product: Debt collection

During my 2009 XXXX and XXXX XXXX, the hospital ( XXXX ) asked that I pay $ XXXX/mo. I expressed at the time I was not working and couldn't afford $ XXXX/mo. I worked out a payment plan with the billing staff of $ XXXXmo and started paying immediately. Several weeks after the 6 weeks of XXXX and XXXX I received notification from XXXX XXXX XXXX ( previously a branch of XXXX ) that delinquent bills were forwarded them from XXXX for collections. I spoke with the XXXX billing staff repeatedly on the phone and over 5 times in person. The billing representatives acknowledged they were supposed to have culminated all of the incoming bills into the one assigned to me for payment. But stated the " rules '' didn't allow them to pull the billings back from collections even though it was an obvious mistake given the date of the payment plan commencement preceded the date of the collections. 
This XXXX person 's error decimated my 800+ credit rating down to the 600 's. And I've been struggling to bring it back up since.
Product: Debt collection

My wife received a phone call and a collection agency left a message on my wife 's cell phone from XXXX XXXX XXXX. The individual was threatening me. She stated that if I do not notify the filing party, they would show up to my home and/or work place with a " UNIFORMED OFFICER ''. The investigator stated that they would have my supervisor present. Supposedly, they have a court summons for me. The message is in my wife 's voicemail. I called the number to see what that was about, and to see if I can settle the {$300.00} debt. My wife and myself, offered to pay {$200.00} and settle it. They refused the offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX recently notified me via email that my credit score has been changed. Review of my credit score through XXXX revealed tha my credit score fell from XXXX to XXXX due to report by Barclays Bank stating that there is a 30 days late payment that was not paid. 
This credit card has not been used for a few years. So it happened that I did not pay a membership fees that were due on XX/XX/XXXX. I immediately paid outstanding amount on line and contacted Barclays customer service. My complain was that the Barclays has failed to notify me of incoming balance payment either through email, phone message or US Mail at any time which caused delay of me submitting the payment at due date. Speaking with a customer service account representative proved the fact of failing to communicate with me. Had I get any notification ( like all of my banking creditors ), this problem could be avoided. Important to state that Barklays bank has no means for establishing alerts ( such as reminders for payment due date and amount of payment and etc. ) by its clients. This is unusual and will be so helpful.
Product: Debt collection

Received previous emails and now I have received a letter from Transworld systems Inc. saying that I owe {$80.00} to XXXX  They have no record of the reference account number. I spoke to four different XXXX and finally consumer relations team told me that this is a scam and many people are getting these letters to just disregard it. 
Scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX    XXXX   XXXX  is reporting a balance on my credit reports when the debt is paid.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, TransUnion and XXXX for what I believe to be a clear violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests, TransUnion has failed to rectify inaccuracies in my credit report, specifically concerning non-deliverable addresses, in direct violation of the FCRA. 

I initially brought this matter to TransUnion 's attention in a letter dated XX/XX/2023. As of XX/XX/2023, no action has been taken to correct these inaccuracies, despite the FCRA 's mandate for accuracy, fairness, and the substantiation of reported information. 

The FCRA stipulates that credit reporting agencies must promptly investigate and correct any disputed information. The inclusion of non-deliverable addresses not only compromises the accuracy of my credit report but also raises serious concerns about TransUnion 's compliance with federal regulations. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to ensure that TransUnion adheres to the FCRA and promptly rectifies the inaccuracies in my credit report. Your assistance in resolving this issue is crucial to safeguarding my rights as a consumer and maintaining the integrity of credit reporting practices. 

I have attached my initial dispute letter to TransUnion, XXXX and XXXX dated XX/XX/2023. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to address this violation promptly. 

Thank you for your assistance in ensuring fair and accurate credit reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNT AND INQUIRIES DOES NOT BELONG TO ME, THE ACCOUNT IS INACCURATELY PLACED ON MY CREDIT FILE AND I WOULD LIKE TO HAVE THEM REMOVED. THE NEGATIVE ACCOUNT HAS HINDER MY CREDIT FILE AND HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT FILE AND NAME. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT ONLY ACCURATE ACCOUNTS.I AM VERY DISTRESSED THAT THIS ACCOUNT HAS BEEN REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE, I ASKED THAT THIS ACCOUNT BE PURGED OFF MY REPORT.
Product: Mortgage

An unauthorized charge was made by XXXX XXXX XXXX the insurance company XXXX from my escrow account associated with a mortgage account on XX/XX/XXXX in the amount of {$530.00} dollars. 

I contacted the agent right away XXXX and XXXX more time a couple of months later inquiring the progress ), and the agent acknowledged the error and agreed to fix it. However, the refund still has not been issued back to me XXXX or credited back to my account XXXX as of today, XXXX XXXX, XXXX, causing my escrow account to be in shortage for months now.
Product: Credit card or prepaid card

On  XXXX    XXXX   2017 a fraudulent charge of {$57.00} was made on our Capital One Visa Signature card from a   XXXX   in Georgia. We live in Illinois and have never been to Georgia. It was flagged as fraud and we were told another attempted charge was stopped. A credit was issued as well as a new card immediately. On our   XXXX    statement the charge was reinstated for some reason. I have called several times and have gotten several different reasons that it was recharged. One being that we have used the card at a   XXXX    elsewhere and another said that someone else called and said it was valid which is not the case. I have insisted that it was fraud and that it had been originally flagged by Capital One, but it is now nearly   XXXX   and I can not get it removed. We have cut up our cards and no longer use them and will probably close the account once this issue is resolved. I am writing letters to the company today as well to try to get someone 's attention and a credit of {$57.00}.
Product: Credit card

My husband was paying on line and accidentally missed the decimal point. The bank took XXXX They also took {$300.00}. The {$300.00} was the correct amount. The error was noticed right away and the bank was notified over a week ago. They have not returned our money. They say they need to research it. This is almost all the money I have in this world. I can not live with no money and they are not returning it.
Product: Debt collection

I am requesting that you remove Monterey financial aka XXXX funding off my credit report. I dont owe the debt. Monterey financial failed to follow the proper procedures for the fair credit reporting act. They are falsely alleging that I owe of {$6000.00}. The account was removed, then illegally put back on my report. They have filed delinquent unfair reporting to all three of my credit bureaus reports. Please have them remove these delinquent records from my credit reports as they have failed to follow the correct procedures in violation of thd fair credit reporting act.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I was scammed by a person for {$120.00} and my bank refused to return my money after I submitted a claim with a dispute center.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I was hit with a late payment from XXXX XXXX  on a student loan. I have had autopayment on for this account since its creation. I had 18 months of autopay that didnt have a single late in all of that time. XXXX came around and for some reason this autopayment was shutoff. At the end of the month I was called by a collection company requesting this now 30 day late payment. After receiving this call I was in shock since this was always on autopay. I called XXXX XXXX  to ask why the autopay was turned off, instead of getting any help on the situation the customer service rep just stated that I needed to be more careful and keep an eye on the account. I stated that the minute I was made aware of this issue I sent the payment in within minutes however they stated removing this late would be lying to the credit reporting agencies and that nothing could be done.