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

XXXX ) In XX/XX/XXXX I saw my FiCO score drop from 800s to 600s. 

XXXX ) Called Experian in XX/XX/XXXX and started dispute and gave paperwork showing account was paid in full. Later Experian rejected my dispute as my paid in full letter was XXXX and to old. 

XXXX ) Contacted XXXX bank on same date in XXXX and made appointment to meet with them. I met with XXXX XXXX at the bank, he said he corrected the account to reflect paid in full, never delinquent and closed. He said it would be sent to Experian the following week. Its been more then a month and still not corrected. 

XXXX ) Ive been checking online my Experian trade line and it still shows a {$50.00} balance, past due, 4 late payments in XXXX and still open. It was closed in XXXX as it needed to be as I sold the home in XX/XX/XXXX. 

XXXX ) I believe XXXX never closed the account in XXXX and began billing me {$50.00} for the annual fee in XXXX on an account that was closed.
Product: Credit reporting or other personal consumer reports

I've been communicating with the 3 bureaus to get all of my old addresses off of my report because I no longer live or own at these establishments. The addresses below need to be deleted ASAP off my credit report due to the FCRA. 
I recently conducted an investigation on my credit report, which has caused severe distress. I discovered unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were reported accurately, as mandated by 15 U.S. Code 1681e ( b ) on the accuracy of reports. 

According to 15 U.S. Code 1681i ( 5 ) regarding the treatment of inaccurate or unverifiable information, if, after any reinvestigation under paragraph ( 1 ), any disputed information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency is required to : ( i ) promptly delete that inaccurate information from the consumer 's file or modify it appropriately based on the reinvestigation results, and ( ii ) promptly notify the furnisher of that information about the modification or deletion from the consumer 's file. 

If you are unable to provide me with verifiable proof within 15 days after your investigation, I request that you remove the accounts and/or the listed information. Thank you for your assistance with this matter. 

XXXX XXXX  XXXX XXXX XXXX, TX XXXX Resident type - XXXX XXXX XXXX XXXX, TX XXXX Resident type - XXXX XXXX XXXX XXXX, MA XXXX Resident type My ONLY current address is XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Debt collection

O and L Law Group have garnished from my salary because of my debt, but refused to give me satisfaction of writ of garnishment.Until now this law group had continued to garnish money from my salary for another account that had been dismissed from the court twice.I hope you can help me resolve this situation.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XX/XX/year>2023 XXXX XXXX XXXX XX/XX/year>2023 XXXX XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XXXX  XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XXXX XXXX XX/XX/year>2023 XXXX XXXX  XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XXXX/2023XX/XX/year>
Product: Credit card

The credit card I received from Barclays expressly said on the advertising that there was no annual fee. I have the original paperwork I received from Barclays where it states that there is no annual fee. They charged me an annual fee. I disputed it in writing, and sent via certified mail. They did not respond within 30 days, and have not acknowledged my dispute. It has been several months, and over time they have added late fees and harmed my credit reports. I also telephoned them ; they told me that they were investigating, and promised in writing to remove the negative information on my credit reports within 1 month. More than 3 months later, they finally removed the charge, but the damage on my credit reports remain, and there is no indication on my credit reports that the charge was disputed. 
Barclays sent me a letter claiming " We called you several times to discuss your concern, but were unable to reach you. '' I do not remember received a phone call related to this, but I know that I telephoned them starting in XXXX over this issue, and again in XXXX and XXXX. 
I believe this problem occurred because I originally applied in XXXX for a Barclay Arrival+ Mastercard that did include an annual fee. Before the annual fee was charged almost a year later, I called to cancel the card. Their sales team convinced me to switch to their fee-free card ( the Arrival Barclaycard Mastercard ), and I agreed. I received the new card in XXXX XXXX, with new terms and literature showing that there would be have no annual fee. After 10 months, I was sent a courtesy letter informing me that I would be charged an annual fee. But the letter did not state that it was a change in my card terms of that I otherwise could avoid the fee. I telephoned, and the account representative confirmed on the telephone with me that my product has no annual fee. I then carefully watched for my XXXX bill, and found that the account representative was wrong. There was an annual fee charged even though Barclays allegedly converted my card to a card without an annual fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Rise Credit is reporting a loan on my credit that is not mine. I recently checked my credit and noticed a loan that I never opened. I contacted the police and filed a report because this account was open fraudulently & the case number is XXXX. I had contacted Rise to let them know that I did not open this account and someone was trying to steal my identity. They assured me that they would rid of the loan but they have not. This is not mine and it needs to be removed from my credit file. I have filed a report with Identity Theft as well. This needs to be removed immediately.
Product: Debt collection

I received an email that a dispute I filed yesterday with Equifax was completed. When trying to log in using the correct credentials and confirmation number provided, I am prompted with a notification that it does not recognize my information. 
I initiated a live chat on Equifax website and the agents response was to call Consumer Service Department. I informed her I was XXXX and asked for an email for correspondence as I have no assistive devices. She instructed me to have a relative come to my home and translate the call. This is not an option for me.

She then gave an email address that is invalid. I attempted to live chat with several more agents on Equifax website, all of which chats I have saved. Several told me there were no existing emails for customer support and two agents gave me different email address with which to correspond through. I believe both are invalid and fear I may have inadvertantly sent information to an unsecure email address.

I simply wished to know why two of the three derogatory remarks are duplicated with the same amount. I have never received a bill from them and would like to know their account numbers so that I can verify that they are valid and know what account to pay. Even the collection agency listed on my report does not have an existing account number for which they are trying to collect. Any help would be greatly appreciated. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to request unauthorized credit inquiries on my Credit Report. I am writing to dispute the following inquiries and asking for their removal from my credit report. 
TRANSUNION INQUIRIES INQUIRY ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX  XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX DATE : XX/XX/XXXX XXXX INQUIRY INQUIRY ACCOUNT NAME : XXXX XXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 to be updated.

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. 


EXPERIAN TRANSUNION 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!

Update the late payments from my consumer reports
Product: Bank account or service

My father XXXX XXXX XXXX died on XXXX XXXX 2015. I have attached a death certificate. He died at XXXX years of age. My sister and I live in different locations ; we are not in XXXX New York. It was only going through his papers that we discovered that checks had been forged out of his checkbook by XXXX XXXX XXXX, who was a tenant of my father 's. Following that discovery, I went to visit XXXX XXXX on XXXX XXXX to discuss the forgery ; XXXX works at First Niagara Bank. XXXX asked me if a Forgery report had been filed, I said not to my knowledge. He called the Fraud Department of First Niagara and they said nothing could be done, given that a report had not been filed. My sister then found a copy of the filed report and we sent that on to XXXX on XXXX XXXX, 2015. Again, I emphasize that First Niagara Bank never indicated that report had been filed prior to my father 's death. 
XXXX XXXX later requested a copy of the Police Report which we did send to him on XXXX XXXX. XXXX asked me what the XXXX Police Department and DA had decided ; I shared that given his death, they had decided it would be impossible to prosecute but that is entirely separate and unrelated matter to the bank 's investigation. Numerous phone calls to XXXX were unreturned. Numerous emails were ignored. 
Finally, in late XXXX, First Niagara determined that they had no liability for the numerous bad checks that were cashed. In total XXXX forged checks were cashed. My father did not have on-line banking and discovered the fraud in XXXX. 
-I attach his Death Certificate-The Affidavit Filed by XXXX XXXX XXXX-The Police Report-The letter from First Niagara with the " amount of time '' as a reason for not reimbursing. 
Frankly, I am disgusted that a XXXX Bank would not disclose the existence of an Affidavit at our meeting in XXXX. I am further disgusted that when all requests for information were met, and in the circumstance of a death, that First Niagara took this tack. To use an excuse that the DA would not prosecute a case when the injured party has died, is nonsensical. First Niagara staff has not been timely, responsive or honest in their dealings with me and my sister. They obviously hoped we would not find paperwork that had been filed so that they could use that as a reason. 

Thank you for your time. My contact details are ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NJ XXXX. My cell phone is XXXX XXXX XXXX. My home email is XXXXXXXXXXXX
Product: Credit reporting

Equifax was contacted about XXXX Bank assesing my credit file on XXXX/XXXX/2014. I told them that I had not applied to this business for credit. Please see that Equifax remove this hard inquiry from my file. Someone should be fined for assesing my credit without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor - XXXX ( Mortgage from Shellpoint NewRez ) Status comment : Paid, was past due 180 days or more Remove the was past due 180 days or more. I was part of the governments sanctioned forbearance plan and as a XXXX protected person I am unfairly being targeted by this additional statement by not being able to obtain housing.
Product: Mortgage

My wife and I found a home we loved,, which was listed for {$410000.00}. I called USAA, and we were pre-approved to borrow XXXX percent of a purchase price up to {$410000.00} ( loan amount up to {$420000.00}. ) Based on that representation, we entered into a contract to purchase the home for {$410000.00}. 

About a week after we submitted our package of paperwork and ratified contract, a USAA representative contact us and informed us that the underwriters now required a down payment of approximately {$25000.00}. We agreed. 

A day after our contracted closing date ( scheduling and timely communication were issues throughout this process ) USAA contacted us and informed us that the underwriters now required a down payment of approximately {$50000.00}. Past schedule to move into a home we had already set our hearts on, we agreed. 

I do not recall receiving a Good Faith Estimate, but at closing, the numbers used by USAA on the HUD forms as a Good Faith Estimate were about 15 percent different than the final terms. Again pushed further down the road, we again agreed to modified terms. 

USAA later sent us a check for about {$500.00} to bring the difference between their estimate and the closing numbers closer together. The letter blamed the large difference on a " clerical error, '' but contained no substantive explanation. 

I understand some numbers my change as this type of transaction finalizes, but we were sold a loan with zero percent down, than accepted a loan with six percent down, and then were finally pushed into a loan with twelve percent down.
Product: Checking or savings account

I am filing a complaint against TD Bank. I mailed my mortgage payment to my mortgage holder for the XX/XX/2018 mortgage payment for the amount of {$490.00}. The check was made to XXXX XXXX. On XX/XX/XXXX XXXX XXXX contacted me to ask me why I did not send the payment for XXXX, I told that it was sent had had been deposited at my bank, since I saw on my statement that it had been deposited. I then uploaded the check from my computer and noticed that the front of the check had been altered and that XXXX   had been added in parenthesis next to his name and that the signature at the back was not XXXX XXXX name but that someone else had signed the check. 
I then went to the TD Bank on the same day and filed an affidavit of fraud and gave them the number of the police report I made. The paperwork was notarized at the bank and my husband and I was told that the money would be refunded in the next four days. 
Since then I have contacted them multiple times, I have been told that the affidavit had been sent to XXXX XXXX XXXX and that they can not be contacted by phone, then I was told that my case had not been assigned to anyone. They called me today and had me sign another affidavit telling me that they need to send it to New Jersey and restart the process. They are refusing to pay back for their mistake. 
Attached is all the paperwork that I have signed and provided them with. 

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

This is my 2nd request with the CFPB. 

On XXXX I sent a letter to XXXX, Equifax, and XXXX  regarding inaccurate and negative information on my credit report. 

It has currently been 37 days and I have yet to receive a response. I feel like I'm being taken advantage of and my disputes are being ignored. 

Section 611 ( a ) plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report.

It has been over 37 days so they be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me.

My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to inform you again 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 COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX WXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$7600.00} XXXX XXXXXXXX Balance : {$370.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

Reporting inaccurate information. Company hasn't issued 1099C for debt charged off
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus indicated that the results of their investigation was accuate, however I have a letter from XXXX XXXX that the credit bureaus were instructed to remove this account from all credit agencies. The letter is attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I found some inaccuracies on my credit report ( collection accounts ) and reached out to all 3 credit bureaus. XXXX  investigated and removed the inaccurate accounts. Equifax and XXXX claimed they investigated and updated the information when it was clearly inaccurate. On XX/XX/XXXX XXXX investigated and removed XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX collection accounts that did not belong to me. I even sent proof to XXXX  and Equifax that the accounts were properly investigated and deleted by transunion. Furthermore, I sent letters to Equifax and XXXX on XX/XX/XXXX to provide me with the info they used during their investigation and my letters were ignored. I still havent received any correspondence from either credit Bureau ( I thought they had 30 days to take care of this )
Product: Checking or savings account

Optum Financial ( Health Savings Account ) : I am seeking reimbursement for older health claims paid out of pocket by my health savings account. My health savings account was created in XXXX and Optum Financial took over management of this account around XXXX. Optum Financial is correctly processing new health transactions with my HSA debit card. Optum Financial also quickly completed review of the XXXX health expenses and approved these transactions for reimbursement. 

However, it is struggling to actually pay out these older claims and recently told me it is unable to do so since it took over management of the account in XXXX. Different customer service representatives have provided different reasons for why this account is not reimbursing properly. The company has provided no written reason for this delay. 

In XX/XX/XXXX I requested reimbursement for three claims in XXXX preloaded in the this HSA system. Since XX/XX/XXXX, these claims are listed in the Optum Financial system as " Approved, Processing Reimbursement '' # XXXX for {$7.00} # XXXX for {$670.00} # XXXX for {$190.00} Please review and provide appropriate reimbursement for these claims.
Product: Money transfer, virtual currency, or money service

I have repeatedly attempted to dispute charges that I did not do and have consistently made monthly payments so that my credit is not destroyed. I have for 2 years dealt with this and my mother has been stressed and was hospitalized after XXXX/XXXX  with her XXXX XXXX while also dealing with this while I've been on school. I have repeat8called to deal with this as I am going to also file a complaint with the Attorney General and FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery LLC, In the earlier response regarding disputed account # XXXX claimed that they validated my alleged debts, however : 1. The highest balance on XX/XX/2016 statement of {$2600.00} does not match the amount that you claim of {$3400.00}. No explanation of the difference and how they calculated the amount of {$3400.00}. 2. They did not enclose the original application with my signature. 3. The date of First Delinquency with original creditor is not provided. 4. The end of the 7 year reporting period is not listed. 5. Date of first Major Delinquency is not listed. 6. Charge off Amount is not provided. Also, please provide the same information for the second disputed account. 

Last, but most important - address on the statements ( XXXX, XXXX ) is not my address. My address is in XXXX and previous address in XXXX.