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

I appreciate the cooperation of the XXXX Credit Bureau for removing all but XXXX remaining fraudulent inquiry. But I can't say the same with Equifax and XXXX Credit Bureaus. While the Equifax XXXX have removed all the previous fraudulent inquiries, these specified inquiries here were unattended, and it gives me concern that they have stopped their responsibility in mainitaining my Equifax credit report clean, so I am requesting that the bureau itself provide me a written reason WHY I haven't seen any deletion after the first good one? And the MOST concerning issue was with XXXX, WHAT WAS HAPPENING with the bureau that it neglected its obligation to my XXXX Credit report? This was unbecoming of the bureau in its entirety itself. Kindly please make sure the XXXX Credit Bureaus, especially the Equifax and XXXX to remove these fraudulent inquiries, to fix my credit reports fraudulent issues : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX : 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 card

Ensuring punctual payments on this account has always been my priority, ensuring they are never overdue. I'm puzzled by the late payment remarks on my accounts and believe corrections should be made under 15 USC 1666b - Billing Error.
Product: Mortgage

In XXXX I took out a home equity line of credit with Wells Fargo. and XXXX when I lost my job I call Wells Fargo to take a loan modification now which I was approved for 36 months I continue to pay my mortgage equity line of credit and tell modification ended and my payments were back to regular amount. I was told that if I didnt pay {$12000.00} upfront they was going to foreclose close on my house so XXXX I file bankruptcy on the XXXX that they said I owe and XXXX my husband passed so I tried to do another loan modification. I was denied. In XXXX, They came back and said I had mess mortgage payments from XXXX to XXXX which I hadnt miss any mortgage payments. My maturity date was on XX/XX/XXXX but Wells Fargo came back to me and told me I still owe {$20000.00} at the end of my maturity date with not give me any reason why from this day I end up selling assets to get the money to pay them off in XXXX because they gave me a new maturity date with any explanation to be XX/XX/XXXX. I feel like Wells Fargo did not on my bankruptcy which they paid the money because they said they did not get any money for bankruptcy. I was trying to figure out if there was any information out there that could help me with my case and recovery the extra money that I feel like I do not owe. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters and called several times to get this matter resolved. The most recent letter being on XX/XX/XXXX the others on XX/XX/XXXX and XXXX still as of today over 90 days later there has been no progress. There are still inaccurate items showing negatively on my report. As mentioned previously to each company I was just made aware of my information being impacted by the Equifax data breach. Now more than ever I fell my information has fallen into the wrong hands. This dispute process has be very long and I feel like Im on a hamster wheel. I read up on how to rectify this data breach and I saw it is illegal to report false information per FDCPA Section XXXX.
Product: Credit card or prepaid card

My Truist secured card is being charged huge interest fees and this is my money that they are charging me interest on. Is this even legal to charge me so much interest on a credit card that the money is mine to begin with?
Product: Debt collection

This debt collector violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. I am not alleging identity theft, but rather unjust business practices, third-party communication, and other violations caused by this debt collector 's use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the XXXX XXXX XXXX have been filed and dispute letters have been mailed to this debt collector ; supporting documentation will be furnished. 

I demand that this company removes my account ( s ) from all three credit reporting agencies due to the violations : XXXX - XXXX, XXXX - XXXX If they fail to do so, I will be compelled to escalate the matter to my litigation attorney. I have been advised that the company 's failure to indicate my account as " consumer disputes '' on my credit report constitutes a violation for which I am entitled to take legal action against them.
Product: Payday loan, title loan, or personal loan

I got a installment loan with Heights Finance in XXXX. Lost my job due to work comp case in XXXX, they were notified. In XXXX, I received a letter from collection agency for {$3200.00}. I remained in contact with company. In XXXX, I received the last billing statement stating acct balance was {$3200.00}, but I was only able to pay {$98.00}, bringing total to {$3100.00}. The account went into charge off status. Had XXXX on elbow that same month & short term XXXX had not started yet. Company was aware, but continued to call & harass me twice a day even after the change in acct status. Due to the stress that caused, I wrote them & demanded they no longer call me, but to communicate in writing from here on out. Credit report disputes from XXXX, show they reported the balance to be {$3100.00} up until I paid {$3200.00} in XXXX, then they all of a sudden show an unpaid balance, today they show XXXX payments due for XXXX & XXXX. The company has never sent an updated statement showing any unpaid balance-my address has never changed, which could have been paid in XXXX if there were any, but continues to increase it on my credit report. Thankfully I check that or I would have no idea what they're doing!! The company also continues to update the account as if it is currently open. Everything they've sent me in XXXX shows the balance being {$3200.00}, I have a copy of the last statement & the check from the bank & when they processed it. The company themselves reported {$3200.00} for months, then {$3100.00} for months then when it was paid off they added more ... that's WRONG!!
Product: Credit reporting

I was set up to receive my XXXX statement online. I did not receive my statement ( second time this had happened ) one month. When I received my statement the next month and saw a past due I immediately called and was told if I paid the balance due over the phone ( approximately {$30.00} ) I would have a XXXX balance, so I did this. 
The next month I received an e-mail from XXXX, and believing what the representative had told me the previous month ( XXXX balance ) I did n't bother to open the e-mail. 
The next month I received another e-mail, which I opened, called and got into an argument with the representative and paid additional monies over the phone ( service charge ) and asked that the account be closed. I did n't use the account that much ( my balance was never over a few hundred dollars ), I would go months without using it, so I was n't used to paying it on a regular basis. 
Recently a banker told me XXXX jumped me straight to 90 days late and I should dispute it. My credit score is flawless except for this record. Thanks for your help with this matter.
Product: Debt collection

Midland funding garnishment has been paid and satisfied by Midland funding.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Credit Information Under the FCRA ( 15U.S. Code 1681o ) To Whom It May Concern, I am writing to formally dispute the accuracy of certain negative information that appears on my credit report/account. I contend that the following negative items are inaccurate and/or unverifiable : Account/Item Name : [ Insert account/item name or description ] Account Number : [ Insert account number, if applicable ] Date of Negative Entry : [ Insert date, if applicable ] Other Details : [ Provide any additional identifying information ] Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that I believe is incorrect. I am specifically referencing 15U.S. Code 1681o Civil Liability for Negligent Noncompliance. This section holds consumer reporting agencies and furnishers accountable for failing to comply with the FCRAs requirements. Should there be any negligent handling of my credit data that results in damages, I reserve the right to pursue any and all legal remedies available under the law.

In light of the above, I respectfully demand that you : Investigate the disputed negative entries as required by the FCRA. 
Verify the accuracy of this information with all reporting parties. 
Remove any information found to be inaccurate, incomplete, or unverifiable from my credit file. 
Please complete your investigation and notify me of your findings in writing within the time frame prescribed by the FCRA. Additionally, please provide me with an updated copy of my credit report reflecting the removal of these disputed items. 

I have enclosed copies of supporting documentation ( such as account statements, correspondence, or any relevant records ) to assist in your investigation. Please review these documents and include the results of your inquiry in your response. 

Thank you for your prompt attention to this matter. I expect that you will take the necessary steps to correct this error in compliance with the FCRA. Should you have any questions or require further documentation, please contact me at the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have a BK reporting on my report that should NOT be there. 
First off, each bureau is reporting DIFFERENT referance #. Secondly, they all are reporting different file dates. THIRD, they are reporting different courts! 
This is one of the numbers I have from them, # XXXX. 

FOURTH, I reached out to the courts listed, and they do NOT report to credit bureaus. I wrote the bureaus multiple times and they keep saying its verified. Verified by who? 
I ALSO reached out to XXXX XXXX and XXXX XXXX  said they have NO file for me. 
Its obvious they should have deleted this LONG ago. 
Please have them delete. 

Attached is my report as well as letter from XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Subject : Debt Validation Request for XXXX Dear Sir/Madam, I am writing to formally request the validation of a debt that your agency claims I owe. I received a communication from your agency regarding an alleged debt, and I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request validation of this debt. 

I request that you provide the following information to establish the validity of the debt : 1. The full amount of the alleged debt, including any additional charges, fees, or interest that have been added. 

2. Detailed information about the original creditor, including their name, address, and contact information. 

3. Proof of your agency 's authorization to collect this debt, including documentation demonstrating that you are licensed to collect debts in my state. 

4. Verification of the date this alleged debt was incurred, along with any supporting documentation that proves I am responsible for the debt. 

5. A complete payment history showing all transactions related to this debt, including any payments made, charges, and any adjustments or credits applied. 

6. Copies of any contracts or agreements I supposedly signed with the original creditor, specifically proving my liability for the alleged debt. 

Please note that according to the FDCPA, you are required to provide this validation information within 30 days from the date of this letter. During this time, you should cease all collection activities related to this debt until you have provided the requested validation. 

If you are unable to validate the debt, or if any of the requested information is unavailable, please immediately cease all collection efforts and remove any negative information regarding this debt from my credit reports. Failure to provide the requested validation will result in the assumption that this debt is invalid, and I will pursue all available legal remedies to protect my rights. 

Please ensure that all further communications regarding this alleged debt are conducted in writing. Any phone calls or other forms of communication should be documented and kept for my records. 

I expect your prompt attention to this matter and a timely response. I look forward to receiving the requested information within 30 days from the date of this letter. Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Debt collection

I am writing to inquire about an account. 

I have no prior knowledge of this account and am seeking to understand its purpose, ownership, and current status. I need to verify some information related to this account. I am attempting to resolve a potential issue involving this account. 

Could you please provide me with some information regarding this account?
Product: Debt collection

Turned me in to the credit reporting agents when i ask to validate the debt they never did when I went to the site to see if I owed a balance the statement had a XXXX balance
Product: Checking or savings account

On XX/XX/XXXX, I opened a Citi XXXX Account with a deposit amount of {$50000.00} based on a 60-Day promotional offer to earn {$700.00}. After 60 days passed, I contacted Citi to ask the status of the bonus deposit and was told that the bonus would be deposited within 90 days. In XXXX I was also told that I had met the requirements for the bonus on XX/XX/XXXX. Additionally, Citi told me that the bonus would be deposited by XX/XX/XXXX, at the latest - taking the full 90 days after qualifying for the initial 60 days. 

Still by XX/XX/XXXX, Citi did not deposit the bonus. I called Citi on XX/XX/XXXX and it was confirmed a second time that I had met the requirements of the bonus offer and was instructed to file a promotional dispute, which I did. I was told Citi would reply in XXXX business days. They did not. On XX/XX/XXXX, I called again and was told a letter had been mailed to my home address, saying " wait for the letter. '' On XX/XX/XXXX, I called Citi to request the entire account funds be transferred to another bank and instructed Citi to close the account. I still have not received a letter from Citi. 

Where is the {$700.00} bonus?
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act, 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  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.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XXXX XXXX, 2015, I had proceeds from a debt consolidation loan issued to Macys to pay off an outstanding balance. On XXXX XXXX, the check was deposited by Citibank ( the owner of Macys store credit card portfolio ) and cleared my credit union which funded the loan on XXXX XXXX. 
The funds were never applied to my credit account and I can not get anyone from Macys or Citibank to respond to my emails. Their customer service is HORRIBLE and they simply seem to not care or push the issue off to another department claiming that someone will email me back in 3-5 business days. That timeframe has come and gone. I 've also tried calling their customer service number but consistently get transferred to an automated system that does n't allow me to resolve my issue. 
I did notice on the check that the credit union listed the last XXXX digits of this account number that appeared on my credit report they had pulled ( XXXX ). The card for this account was last a few months back so a new card was issued ended in ( XXXX ). Both accounts are tied to my name, address, phone number and SSN though and the XXXX account was simply transferred to XXXX so I 'm not sure if there was any confusion that Macys did not attempt to contact me before cashing the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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

got the car XX/XX/2018 returned the car.contacted company car had been sold .the balance on the car is still a high bal with the account closed .my reported balace is XXXX.but the high bal is is at XXXX although the car has been sold.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kansas, XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 

TransUnion XXXX XXXX XXXX XXXX, PA XXXX Dispute of Civil Liability and Negligent Compliance Under FCRA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute inaccuracies in my credit report and to bring to your attention potential civil liability and negligent compliance under Section XXXX XXXX XXXX XXXX XXXX XXXX  ) of the Fair Credit Reporting Act regarding the reporting of my credit information. 

It has come to my attention that certain information reported may not be accurate and could be violating my rights under the FCRA. Specifically, I believe there has been a failure to ensure the accuracy of the information being reported, which has negatively impacted my credit standing. 

I kindly request that you conduct a full investigation into this matter and provide me with documentation regarding the reporting of my account. If inaccuracies are confirmed, I expect them to be promptly corrected or removed from my report. 

Additionally, I expect you to inform me in writing of the results of your investigation as mandated by the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response and the resolution of my concerns. 

Sincerely, XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

I have an Old Navy Credit Card that is under the Barclay Credit Card so the problem is even if I pay my balance for example this month ( on time ) they will still charge me an interest for the next statement. Thinking that I am fully paid I dont have to check my account right? But when I checked I saw that I got the interest charge plus a late payment fee of {$11.00}! Is that right? Also, last month my due date is on the XXXX so I paid that day and Im using my checking account to pay the only balance of {$11.00}. So again I fully paid, but lo and behold I thought Im fully paid again but no I saw this month that I have a balance of {$13.00} which is again interest and late payment fee. This is so wrong in all levels because they are tricking the consumer and making seem that everything is okay until you check. What if I dont check since I know I dont have any balance? Is this a good credit practice to do? Please look into this because I think I am not the only victim here. I reached out to them but they wont back down and lectured me on how to check my account as if I dont know how to check my account. Thank you.
Product: Mortgage

I am exercising my right to contact to review an issue on which I was refinancing my home and was denied and provided an explanation of " Poor Credit Performance with us '' via a document sent on XX/XX/2021. This statement is not satisfactory. 

I have had no late payments to the Flagstar Organization in over XXXX ( all on time ), a credit rating of XXXX with XXXX, XXXX with XXXX, and employed with the same company for over 22+ yrs making over $ XXXX a month gross. Well over the 4x the mortgage costs monthly. 

To receive a statement of this nature when the company knew from the beginning of this process my only intent was to remove my ex-husband 's name from the loan as a co-borrower. 

I am seeking the Federal Trade Commission to review and look further into this issue and the practices that took place during the application process along with my rights. 

During the process of waiting, I had to continue to follow up with this company and ask for timelines and continued callbacks as to where they were in the process. It was a simple refinance to remove a co-borrower. 

Bank statements, paychecks, and submission of on-time payments all 100 %. To me and others in the industry have suggested unfair practices and violations of rights under the Consumer Credit Protection Act along with Equal Credit Opportunity Act. 

Thank you.
Product: Debt collection

Between XX/XX/XXXXandXX/XX/XXXX I.C System inc placed a collection on my account originating from XXXX XXXX XXXX that is said to be opened XXXX of XXXX. This information is inaccurate and the debt for {$770.00} is not owed to me. I have already disputed this collection from XXXX XXXX on my XXXX acct and had it removed showing as credence resource management in XXXX of XXXX. It seems as though my information is being sold and sold again. I have already stated the information is inaccurate, not validated and is not owed to me when speaking with them on numerous calls a day even weekends. I am asking this account be removed not only because it is inaccurate and not owed to me but I am in the process of buying my first place as I am a single mother of XXXX living in a house of XXXX. I had my credit in line with no phone bills as required and they slap this account that I am unaware of onto my credit hindering me from moving forward with this process. I am pleading for a resolution to my problem with this company. I take two steps forward and they hit me with something else. Although the accounts are unfamiliar to me it is still an Excruciating process to have your name and credit cleared of false information.