23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I got a secured credit card with USAA a year ago. I set it up to automatically pay itself through my bank account, also with USAA then I had credit card fraud on my Credit card and I notified them, they canceled that credit card and issued credit back to my account for the fraud charges I noticed at that time that my automatic payments were not going through and I called. I was placed on hold so they could research but they never came back on the line. I called back on Thursday, and ended up on hold for a very long time while they researched with their back office and they came back and told me that the automatic payments cancelled when the fraud was credited back onto my account and that their system recognized those credits as payments instead of a fraud reversal credit and the auto payments stopped and nobody in USAA had identified this as an issue nor bothered to fix it. They never put the automatic payments back on, even though I called multiple times about this and this resulted in them counting me as delinquent, and now is reporting on my credit. 
I tried reasoning with them and asking how they can make me suffer consequences for fraud, which wasnt my fault, how their system recognizing fraud credits as payments is something that I as a consumer am being held responsible for. This is SECURED credit, its my money to begin with and yet not only did they charge me increased interest, and penalties, they are defeating the purpose of my even having a card to rebuild credit because of their FAULTY SYSTEM this is not ok
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX 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 XXXX XXXX XXXX customer service representative.
Product: Credit reporting or other personal consumer reports

Dear EQUIFAX, this letter is to inform that you are reporting fraudulent accounts in my good name. According to FCRA it states everything on my report has to be XXXX XXXX correct. I never sign or interacted with the company XXXX XXXX XXXX. I do not recognize this account and not liable for. It should be deleted immediately. In addition, XXXX XXXX XXXX was also a fraudulent account. It has been proven to be fraudulent and XXXX  and XXXX have removed this account long time ago. XXXX being the only one who keeps on reporting. Please remove both fraudulent accounts.
Product: Credit reporting or other personal consumer reports

Multiple more times, XXXX charged my card for storage payments of {$2.00} per month for several months. I did not realize that they were doing this to a card that was paid off, with a XXXX balance and had no reason to be checking the paperless billing statement. During the month of XX/XX/2023, being ignorant of these non-approved charges for {$2.00}, I did not pay this google charge and XXXX XXXX XXXX  recorded the {$2.00} XXXX charge as 30 days late. This got my attention. I paid it first in hopes of getting the charges reversed that were for at least XXXX month payment, specifically XX/XX/2023. After proving to XXXX XXXX XXXX  the charges were fraudulent and not approved by me, XXXX XXXXXXXX XXXX removed all charges and reversed the XXXX through XX/XX/2023 {$2.00} charges and specifically XX/XX/2023 late fee and late reporting but have failed to correct It on my credit report. The $ XXXX {$2.00} late fee is still showing on my XXXX credit file and all three major credit reports files with XXXXXXXX , XXXX XXXX XXXX AND TRANSUNION . Please have these $ XXXX {$2.00} charges removed from all four credit reports ( XXXX, XXXX XXXX XXXX AND TRANSUNION ), asap as it has negatively affected my credit! PLEASE SEE THE ATTACHED DOCUMENTS AND SCREENSHOTS FOR PROOF!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I sent a letter addressed to Credit Bureaus on XX/XX/XXXX to remove fraudulent information found on my Credit report that are completely unknown to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, # XXXX, & # XXXX & I am including these items once again : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

XXXX XXXX is attempting to complete a short sale with PHH. XX/XX/XXXX XXXX XXXX called PHH and asked for a short sale update, PHH said the short sale is under review and the appraisal has been ordered and to call back next week. XXXX XXXX called back XX/XX/XXXX with the same response. XXXX XXXX called back XX/XX/XXXX, PHH said the file is not under review for a short sale but under review for a loan modification even though the borrower is deceased and the home is vacant. XX/XX/XXXX XXXX XXXX called PHH and they said the executor documents are not valid, the manager reviewed them and verified they are accurate and that was a mistake and he will updated the file. XX/XX/XXXX XXXX XXXX called in and PHH said the loan modification was reviewed and closed out, and now will be open for a short sale review and the appraisal will be ordered. XX/XX/XXXX XXXX XXXX called PHH and the file has been escalated and to call back in 2-3 business days. XX/XX/XXXX XXXX XXXX called PHH and they said the same thing. XX/XX/XXXX XXXX XXXX called PHH and they said the file can not be reviewed for a short sale because the file has to be reviewed for a loan modification first. The manager got on the phone and said that was a mistake and the file will be opened for a short sale and will be escalated to the case manager XXXX XXXX ( never received a reaponse ). XX/XX/XXXX XXXX XXXX called PHH and they said the file has to be reviewed for a loan modification before it can be reviewed for a short sale. The manager XXXX XXXX ID # XXXX said she is not sure if the file has been reviewed for a loan modification and will expedite the file to get moved into a short sale review. XX/XX/XXXX XXXX XXXX called PHH and they said the file can not be reviewed for a short sale as it needs to be reviewed for a loan modification first. The manager XXXX XXXX ID # XXXX said he personally escalated the file to get opened and reviewed for a loan modification, and the file has not been opened for a loan modification. Today he said he will open the file for a loan modification.

Everytime I call in to get a short sale status updated the phone call is at least 1 hour or more. Can someone please help PHH follow short sale guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account paid In full only late 2 times in 4 years agency wont remove inaccurate negative items nor update account as paid
Product: Credit card

US Bank charges a late fee when I make a monthly payment on time because it is beyond XXXX CST rather than the end of the day. The disclosure is n't shown until submit payment is selected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information with trasnunion. checking my file ive noticed alot of errors. this is hindering my credit report. review an remove the inaccurate information an delete all errors asap.
Product: Credit reporting or other personal consumer reports

I have been trying to get Equifax to correct my credit report for a year now. The name on my report isn't correct and they are reporting fraudulent accounts on my credit report despite me send letters, calling and send in my police report and ftc documents. I have even taken the steps to try reaching the creditors but no response.
Product: Debt collection

I have a judgement that is being held against my from XXXX and XXXX XXXX XXXX XXXX Attorney at Law, this judgement resulted as a garnishment. The garnishment was paid in full and I have documentation to prove it. They keep sending me letters saying judgement is valid and that they did an investigation and that it must be paid. I have yet to receive a call back after numerous calls trying to get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF AN IDENTITY THEFT AND THE I WOULD LIKE TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. I HAVE NEVER REQUESTED THE DISCOVER PERSONAL LOAN ACCOUNT TO BE OPENED, I HAVE NOT MADE CHARGES ON THAT ACCOUNT NOR I MADE ANY PAYMENTS ON THAT ACCOUNT. THAT IS A FRAUDULENT ACCOUNT AND IT NEEDS TO BE REMOVED IMMEDIATELY. AGAIN, THAT ACCOUNT WAS OPENED WITHOUT MY CONSENT, THE ACCOUNT AND THE CHARGES ARE FRAUDULENT. I HAVE NEVER REQUESTED TO HAVE ANY RELATION WITH DISCOVER.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My brother informed me that I received a letter in the mail from where I use to live stating that I owed a debt of some type. I did a little investigating and I was told that someone has given my name and social security number to open accounts. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and some inquiries that had been pulled under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my report.
Product: Credit reporting or other personal consumer reports

I have some issues on my credit file that need addressed I have requested documentation from the following collections agencies : -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  Please delete the above accounts they are not accurate and unverified XXXX FCRA violation.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX Balance : {$41.00} CAPITAL XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$8.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$15000.00} XXXX XXXXXXXX Balance : {$2100.00XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Bank Capital One XXXX In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 o 2, which states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan may go late for any purpose.
Product: Credit reporting or other personal consumer reports

Subject : Request for Immediate Removal of XXXX XXXX  Bankruptcy Information under Law 623 A-5 and 15 USC 609 A1 and 609 A2 Bankruptcy Filing Number : XXXX Date Filed/Reported XX/XX/XXXX Date Bankruptcy Status Last Updated : XXXX XX/XX/XXXX To Whom It May Concern, I am writing to request the removal of the bankruptcy listed on my credit report, as I believe it has been incorrectly verified and represents a violation of my rights as a consumer. 
Recently, I sent a letter to the court that handled my bankruptcy asking if they report bankruptcies to credit agencies. In response, the court confirmed in writing that they " do not report any bankruptcies to credit agencies. '' This means that the legitimate source of the information, the court, does not provide this data to credit agencies. 

On XX/XX/XXXX, I submitted an investigation request to the credit agencies asking how they verified the bankruptcy and its details. I later received a response stating that the bankruptcy had been verified and that no changes were necessary for either the bankruptcy itself or the related accounts. My question is : how was it verified if the court, which is the legitimate source of the information, does not report bankruptcies to credit agencies? 

This raises a significant concern : if the court does not provide this information, the verification could not have been accurate, which represents a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I request the immediate removal of the bankruptcy and all related accounts, as the information has not been properly verified. 

According to the FCRA, if the credit bureau can not validate the information with the original creditor, they must remove it from the consumer 's credit file.
Product: Mortgage

Wells Fargo is my mortgage servicer and they are attempting to foreclose on me with out due diligence. They have not demanded me or given me any notice of default but are saying that they can use a demand from 12 months ago. I have been blocked from making payments and they are not willing to negotiate with me regarding any remedies.
Product: Checking or savings account

Hello My name is XXXX XXXX. Earlier this year my mom had opened up a new account with citi bank. I endorsed my XXXX tax refund to my mom so she could deposit and cash my check because i was unable to open a bank account around this time in my life due to extenuating circumstances. We were not aware nor were we warned or given a chance to remedy this situation before her account was closed due to " fraud '' as stated by the banks customer service. We immediately went to the bank and explained our situation and requested some way to have this handled. We where sent around in circles first by citi banks customer service and fraud department telling us to initiate a payment trace with the XXXX. We waited the XXXX or 90 days for the XXXX. to finish the investigation only to be told that they could not send a replacement check because I had signed the check and that the XXXX. had not received the check back from Citi bank so their hands are tied. They started that we needed too go to the bank and request they send the check back and give me the address they would send the check to. I attempted this exactly as described and explained to me only to be told by the rep that my check is indeed still sitting in my mom 's closed account and they couldn't help me that I needed to contact the irs again and request a payment trace again. We are at the end of our patience and are seeking any assistance in having this situation handled as quickly as possible. My mom 's information is as follows : 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 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

EXPERIAN WILL NOT GIVE ME MY REPORT ON LINE I NEED IT ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed numerous Account verification letters and I have filed inaccuracies letters. All over the last two years with the most recent being XX/XX/2023 via certified mail. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

They continue to say LexisNexis and us bankruptcy court verified the information as accurate. All of my information has been sealed and can not be verified which means Lexis nexis XXXX and XXXX are all liars and providing false information I have provided letters from the court and Lexisnexis that the information is not verifiable please resolve now
Product: Credit reporting or other personal consumer reports

I have been diligently working to resolve the derogatory marks XXXX XXXX has listed on my credit report. Despite the account in question having been paid in full for over a year, it remains on my record, tarnishing my creditworthiness and causing financial hardship, stress, and XXXX. I have reached out to XXXX XXXX multiple times to rectify the situation and have provided them with all necessary documentation to prove the account has been settled. Additionally, I have expressed my concerns about the inconsistent reporting of late payments, which only adds to the discrepancies on my credit report. The inaccurate reporting is having a significant impact on my financial standing, and I am eager to see a resolution and have these derogatory marks removed.
Product: Credit reporting or other personal consumer reports

I noticed several unauthorized hard inquiries on my credit report from Equifax and XXXX, dated [ XXXX XXXX XXXX ]. These inquiries were made without my consent, violating the Fair Credit Reporting Act ( FCRA ), Section 604, which requires permissible purpose and consumer authorization. On XX/XX/year> and XX/XX/year>, I requested that these inquiries be removed from my credit report as they are inaccurate and damaging my credit score. Despite this, the inquiries remain, and no resolution has been provided by the companies involved.
Product: Credit reporting or other personal consumer reports

My account with this XXXX XXXX XXXX XXXX  is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT DONT BELONG TO ME. A LETTER OF EXPLANATION IS ENCLOSED
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax illegally displaying false information on my report. A medical collection account keep reappearing on my credit report. I have no knowledge of this account and I did not sign a contract nor did I give anyone permission to give out my personal information. My only conclusion is this account may be from a workers comp claim from my employer, which I am not liable for, also all claims and bills for that claim was satisfied by workers compensation. You need to resolve your problems with workers comp and not me.