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

Investigation Request Letter To whom it may concern : I received a copy of my credit report with intention of trying to improve my credit and take care of my responsibilities and notice a few accounts that I wanted a little more explanation on. I am not saying that they are reporting right or wrong.I am just saying that I am not 100 percent sure if they are.I also read something the fair Reporting credit report Act where it said by law I had the right to challenge anything i am not sure is accurate.some of people reporting things on me.I have never heard of which made me write to you all Are you familiar with something called 15 U.S.C. Sec.1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted.well, I want these accounts deleted if they are not 100 percent right and correct.so, could you please check on these and get back to me? I saw on a credit Site and Board where this lawyer said you have 30 days to complete this investigation.Please investigate the following accounts and remove them if anything is missing or not correct on them.

I demand The following accounts be verified or removed immediately In accordance with fair credit Reporting act XXXX  XXXX XXXX  account # XXXX XXXX  XXXX account # XXXX XXXX XXXX  account # XXXX XXXX  Account # XXXX 15 U.S.C 1681section 602A. 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 account without my written instructions
Product: Credit reporting or other personal consumer reports

I filed several disputes with the company from XXXX asking for all accounts highlighted to be removed off my credit report due to inaccuracies and unauthorized inquires in accordance of FCRA Section 605B and 15 U.S.C. 1681.
Product: Credit card or prepaid card

On XX/XX/2019, while checking in for a XXXX flight, I was provided with a link to apply for an American Express Delta Skymiles card. The offer was for XXXX miles provided I charged {$2000.00} to the card within the first three months. My on-line application was approved on the same date. My Delta Skymiles account shows that spending of {$1900.00} was credited on XX/XX/2019, and additional spending of {$500.00} credited on XX/XX/2019. On XX/XX/XXXX I was credited with {$30000.00} bonus miles for spending on the AMEX card, but never have been credited for the remaining XXXX miles as advertised in the offer. 

I contacted Delta Skymiles on XX/XX/2019, and was told by the representative that I would need to talk to AMEX. I contacted AMEX on XX/XX/2019, and was told by the representative that someone would investigate the credit to my account and get back to me. That has not happened. 

The bonus miles offer for the Skymiles credit card varies -- the offer I applied for is the one described by XXXX : https : XXXX American Express has engaged in a " bait and switch '' in not complying with terms as advertised. 

CFPB 's help in resolving this is appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported an inaccurate debt collection for investigation to Transunion on XX/XX/XXXX and on XX/XX/XXXX they verified it as accurate. This debt was already paid to the original creditor prior to the reporting date of XX/XX/XXXX by the collection agency. The collection agency has not provided any proof that a debt is still owed. I have a receipt from the original creditor to substantiate my position as well.
Product: Mortgage

My husband and I closed on our home/VA Loan XX/XX/XXXX and paid our required funding fee of {$3400.00}. His Veteran XXXX claim was still pending at that time but was approved shortly after our closing date, at XXXX. This level of XXXX constitutes waiver of the funding fee and because his XXXX claim was opened and in process prior to our loan closing, we are entitled to a refund of the funding fee. 
We began our process to obtain the refund XX/XX/XXXX. We have contacted our local VA Regional Office, our original lender, XXXX, and Nationstar Mortgage, the final servicer to which the loan was sold. Research case XXXX was opened with Nationstar. The XXXX Regional VA office has repeatedly told us the lender must submit for the refund via a secure gov't website. Nationstar has repeatedly told us to reach out to the VA to obtain the refund. 
After countless phone calls and hours spent on hold with the VA and our lender, I was told to send Nationstar our Settlement Statement for the home loan showing the {$3400.00} funding fee payment as well as the VA Benefits Summary/Certificate of Eligibility. I again faxed this under the cover of XXXX and also emailed their research dept. 
I received response on XX/XX/XXXX from their research dept, that we were to contact the VA Office-the same incorrect response they have given multiple times. I responded to this email with detailed instructions and the link to the FAQs regarding the process that I was able to find online ( XXXX ) clearly asking them to reference Sections XXXX and XXXX for the request process to be followed by lenders and Section I which discusses how a lender can register their lender ID in the system, get their PIN, etc. if that company is not already registered. This is the process they need to use to request our funding fee refund be paid to them by the VA at which point they can apply it to our principal. 
I then received another response from the Research Dept on XX/XX/XXXX in which they asked me to reference their prior response on XX/XX/XXXX-that we needed to contact the VA for the refund. As the link above clearly shows, the veteran does not request the refund. It must be done by the lender because it was paid as part of our loan closing.
Product: Checking or savings account

My cell phone was stolen and the thief purchased crypto currency. I was able to get a police report. Sofi ( my bank ) said they found nothing wrong. I asked for information but they were not able to get anything to me based on their decision.
Product: Credit card or prepaid card

On XX/XX/2020 I paid my Bank of America credit card in full using their online banking application. There were three choices to make a payment : 1 ) XXXX statement balance ; 2 ) Current balance ; and 3 ) other balance. I paid the current balance in full before the due date which was XX/XX/2020. To my surprise I noticed on my XXXX XXXX that there was still a {$20.00} balance due on XX/XX/2020. I looked and it seemed to be interest charged on purchases from the close of my XXXX XXXX to XX/XX/XXXX. ( I would like to point out that there were no new purchases since XXXX, 2020 ). When I chose to payoff my current balance there was no indication that there could be a residual interest charge on my next statement. If I did not notice via XXXX XXXX I would have thought my card was at a {$0.00} balance and not made a payment in XXXX which would have in turn cost me a late fee and negative impact on my credit. Thankfully I caught it-but when I called and complained the service rep said she could not reverse it and also that BOA did not have a complaint department. I feel that this is deceptive practices in order to generate fees. The Service Rep also  stated that I should always call for a payoff quote. This was no where indicated on the online banking page!!! There was no warning or flag to tell the consumer that there could be more interest on the next statement balance. I would like an investigation to see if they are properly warning the consumer about interest rollevers and also if this is clearly stated in their disclosures.
Product: Student loan

All of my student loans were originated from XXXX. I have repaid the principal balance and interest. The balances are reflective of junk fees, late fee 's attorney fee 's ect that have been accruing interest for over 23 years. I am not able to make any payments on these loans and can not return to school to finish my degree, impacting my credit rating. 

The loans are eligible for cancellation?
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : 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 XXXXXX/XX/XXXX
Product: Checking or savings account

My account was terminated by Revolut. However, there are refund processed by merchant after account termination for several transactions in my account. Since I do not have access to my account anymore, I have asked them to refund it to my bank. They do not reply or isn't willing to refund my money. This company is very bad. They don't give proper support to users. They have bad policies and process.
Product: Vehicle loan or lease

They said my payment is late but their not their charging me late fees on top of a late fee.. I have never been late.. it only started when I paid my loan off the car company is not letting me pay the car off because they keep letting the interest rates go up they have been doing this for a full year now .. my payment should be way lower than what it is I've contacted consumer bureau the company lied to them .. it all started when this car company called and to see if I wanted to trade my car for a new one I said no.. and they have been messing with my interest so I can't pay the car off so they can repo the car and mess up my credit..
Product: Debt collection

It's my understanding that FCRA 605B necessitates the elimination of any mistaken accounts from my credit report. Could you kindly examine the documents? I've noticed inaccuracies in some of the listed accounts, which is unsettling for me.
Product: Credit reporting or other personal consumer reports

The accounts appearing on my credit report are inaccurate and should not be grouped together. You have listed accounts that do not belong to me, which is both unjust and concerning, as I have never engaged in the activities you're accusing me of. Should you fail to investigate these discrepancies, I will be forced to take legal action.
Product: Debt collection

On XX/XX/2018 XX/XX/2018 and XX/XX/2018 I sent PORTFOLIO RECOVERY ASSOCIATES, LLC letters pertaining to a Cease and Desist letter. I also stated in the letter, that I would only deal with the original creditor ( see letter dated XX/XX/18 ) THEY HAVE NOT BEEN IN COMPLIANCE To date, PORTFOLIO RECOVERY ASSOCIATES, LLC is still reporting COLLECTION ACTIVITY TO THE CREDIT BUREAUS. ( PLEASE SEE CREDIT REPORTS WHICH SHOWS COLLECTION ACTIVITY. ) They said they completed their investigation but, they have not deleted these accounts
Product: Credit reporting or other personal consumer reports

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following account : XXXX : Account Ending XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called multiple times and asked them to removed those bankruptcys off my report. I was told they can not remove the bankruptcys. According to USC 1681b ( 2 ) I did not give written instructions to put my bankruptcy on my consumer report. Here are the following companies : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, IL XXXX Dates : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Dates : XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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: Debt collection

Carter Young Inc, a XXXX, Georgia based debt collector continues to report an invalid account. Based on a quick web search it appears this is a standard practice for this company. 

The vendor has acknowledge the debt is not owed. Further, they are suggesting they have not had a relationship with this collection agency for several months - at least one year. 

The Credit Bureau 's continue to take the side of this collection agency by wrongly reporting the information. Even after the vendor, and I have both sent supporting documentation proving the debt has been paid. 

Carter Young 's actions are fraudulent, and they should be punished to the fullest extent of the law.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX {$0.00} Late/Closed XXXXXXXX XXXX XXXX {$3400.00} Chargeoff XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} Chargeoff XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} Chargeoff XXXX XXXX XXXX {$0.00} Late/Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {>= $1,000,000} Late/Open XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$30000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$29000.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$29000.00} Late/Open
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$52.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$76.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$160.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX LA XXXX, LA XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate deletion of certain fraudulent accounts and inquiries from my credit report under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I recently discovered that I was a victim of a data breach, leading to unauthorized entries on my credit report. 
The fraudulent account and inquiries are as follows : Account XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

My mortgage was with XXXXXXXX XXXX  prior to XX/XX/XXXX. I just completed a loan modification with XXXXXXXX XXXX. The amount that was schedule for XX/XX/year> was for XXXX after the account was modified. I learned on XX/XX/XXXX after my first auto draft wasn't taken from account, my loan was transferred to Servicemac LLC. I registered to their website and notice my mortgage payment had increased to XXXX. I had no knowledge when and why the mortgage increased. I try to make my payment amount of XXXX schedule for XXXX until the issue is resolved. Servicemac is refusing to take my payment because its lesser than the amount they calculated. I am constantly getting the run around that this is in review but now my account is in collection. My account should not be in collection. They are refusing to take my payment amount that was due under XXXXXXXX XXXX review. This account has been in review has now over one month now, and nothing has been done since my account transfer. This shouldn't be in collection until the issue is resolved. The longer they take to figure out the issue the more my account fall delinquent. Which this isn't my fault.
Product: Credit card

In XX/XX/, called ULTA about a balance on the credit card. I asked to pay the balance in full and close the account. Both of those were done. I paid precisely the full balance. 

Subsequently they said there was an additional finance charge of {$2.00}, which over the subsequent months has now gone up 700 % to {$14.00}. It is not a lot but I am incensed by the principle of this. When you ask to pay the balance in full and close the account, they have no business going back and adding XXXX XXXX finance charges which then accumulate. You can not be faulted for not bothering with statements for an account that you paid in full and closed. Their response was its in the contract. They feel they were under no obligation to tell me the correct amount to close the account. I feel these subsequent add on fees are bogus and that why I am writing to you
Product: Credit card or prepaid card

On XX/XX/2021 I attempted to log into my unemployment card ( KeyLink ) account. I was denied access and couldn't change my username, password or pin number. I called the number on the back of my card and she stated that someone changed my pin on XX/XX/2021 and there were 13 fraudulent charges between XX/XX/2021 and XX/XX/2021. They totaled {$6300.00}. Someone was using a web transfer and transferred money to another account everyday for 2 weeks. There were 11 fraudulent charges at {$500.00} each, 1 fraudulent charge of {$490.00} and 1 more fraudulent charge of {$300.00}. The company has denied my claim stating that no errors have occurred. They won't give me any detailed information regarding where this money went other than it was a web transfer to another account. I received a letter Bank Card Services PrePaid Debit Disputes with a routing number and the last for digits of an account number they claim is linked to the cardholder, which I assume is me. Again no further details. Please help me recover this money as I haven't worked in over a year due to the pandemic and really needed that money to help provide for my family. Today, XX/XX/2021 I sent Bank Card Services PrePaid Debit Disputes a fax with a hand written statement explaining what was going on and to please re-review/reopen the claim considering I never authorized these 13 transactions over a 14 day period. I've never authorized any funds to be transferred to another account.
Product: Credit card or prepaid card

My bill with Citibank totaled {$240.00}, due on XX/XX/20. On XX/XX/20, Citibank posted a return to my acct. of {$210.00}. This is 5 days BEFORE my payment was due. I deducted that amount from my bill, because Citibank is XXXX bend on keeping any overpayment FOREVER. I paid {$31.00} which was posted to my account on XX/XX/20. The payment was NOT late, yet I was charged a late fee of {$29.00}. I spoke with XXXX at Citibank, she said no matter what I had to pay the minimum due which was {$35.00} even if it amounted to an overpayment. Citibank refused to reverse the late fee, and in addition added {$3.00} to my bill, the difference between {$31.00}, what I owed and {$35.00}, Citibank 's minimum due for a total of {$32.00}. I do not owe Citibank a dime
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX Email : XXXX Complaint/Dispute Department XXXX  XXXX Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX XXXX  Dispute XXXX. XXXX  XXXX XXXX, TX XXXX XXXX   dispute tips XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/XXXX RE :  Dispute on Credit Report and Score ( collection item ) Dear Sir or Madam : I recently obtained a copy of my credit report from your agency and XXXX XXXX and found the following item to be in error showing a collection item on my credit report from Midwest Recovery SYS c/o XXXX XXXX Hospital AKA XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX at XXXX the Collection Agency claiming I owed over {$600.00} to XXXX XXXX Hospital AKA XXXX XXXX. This was fraud on the part of the collection agency. 

When I called the hospital XXXX XXXX AKA XXXX XXXX and was told me all the bills were paid in full from my insurance ( XXXX and XXXX ) with the exception of an {$80.00} co-pay the only outstanding item and had not been billed yet. ( Please see email from XXXX XXXX, Supervisor dated XXXX, XXXX XXXX ). Showing account is paid in full. 

So I paid it anyway even though. I was out of the country in XX/XX/XXXX ( the date the date they stated the bill was generated ). This Does Not Make Sense. 

I paid the {$80.00} anyway to make sure I had no issues with my credit report. As Im applying for a mortgage ( see invoice marked paid ). 

Lets not forget to mention Midwest Recover SYS, has been REVOKED AND HAS AN F rating with the XXXX XXXX XXXX ( see report enclosed ). For scamming people. This is the worst rating any business could get and should be shut down. 

DISPUTE II My report shows a hard enquiry from what I found out was XXXX XXXX. I have never applied with this company at any time.

1. I dispute any report from the collection agency and request my present credit score be restored based on payment history in totality. As this is not accurate on my credit report.

2. I am requesting that all items and score be ( updated ), and remove the erroneous reporting and reflect an accurate profile and my credit score. 
XXXX XXXX XXXX SS # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cc : XXXX XXXX Attorney at Law New York State Attorney General
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a inquiry on my credit report from this company. The respentative talking to me as if I'm slow and don't know what I'm telling her. I spoke to this company in the past regarding this inquiry. It still haven't been resolved. I just would like this removed from my credit report.