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

FCRA violations : Account Info Tap labels for more details Account number XXXX Account status Closed Not only hiding charge-off accounts under closed accounts see attachments for proof ( see attachments ) XXXX Original creditor : XXXX XXXX {$330.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open account Paid off : 0 % XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$18000.00} Balance updated XX/XX/XXXX XXXX Original creditor : XXXX XXXX {$330.00} Balance updated XX/XX/XXXX XXXX
Product: Credit card

In my opinion U.S. Bancorp ( U.S. Bank National Association and U.S. Bank ) is forcing me to file a lawsuit ( not arbitration ) to prevent destruction or spoilage of evidence. This includes evidence including but not limited to breach of contract and disregard. 

I request U.S. Bank or U.S. Bank National Association preserve, copy and retain any and all recorded calls or information regarding my currently closed credit card ending in XXXX as factual evidence. If U.S. Bank prefers a signed handwritten letter mailed, please reply with the address. Nowhere in our written contract does it mention any fee that I have to pay to prevent U.S. Bank from spoiling or destroying factual evidence, nor did was it mentioned ever as a policy when relevant during my last complaint. Encouraging me to file legal action just to see my conversations that U.S. Bank only uses for " training purposes '' is perceived as intimidation in regards to potential future stress and large legal fees. 

Given how the very first CFPBXXXX reply I received from U.S. Bank mentioned how greatly you appreciate me as a customer, I know you were being honest and these requests will be no problem at all. U.S. Bank should have just contacted me. If you just acknowledged that the manager I spoke with in XXXX, 2015 accidentally provided misinformation about the credits on my account applying to my annual membership fee with no mention of a 90 day policy ; I 'd still be a Cardmember with no complaints. 

You will hear from me within the next six months. Do n't destroy any evidence, if the data is programmed to automatically overwrite data then I request a copy be made and saved immediately before that happens.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE FIND ATTACHED LETTER I WROTE TO THE MORTGAGE COMPANY THAT I USED TO BE WITH AND PAY PAYMENTS. THEY ARE REPORTING LATE PAYMENT, I WAS XXXX TO XXXX BACK THEN AND MY PARENTS MADE A MISTAKE AND ONLY ONE PAYMENT WAS NOT SENT ONETIME. 
I TRIED TO CALL THE MTG CO. BUT THEY ARE NOT IN BUSINESS ANYMORE AND ASKED TO LEAVE A MASSAGE. I HAVE NEVER RECEIVED ANY CALLS BACK TO RESOLVE THIS ISSUE. 
PLEASE HELP ME TO REMOVE THIS NEGATIVE MARK FROM MY CREDIT REPORT I NEED TO REFINANCE THIS HOUSE. 
MY RECORD IS SPOTLESS EXCEPT THAT TINY TIME WHICH I WAS NOT AROUND. 
APPRECITAED
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XX/XX/2021
Product: Checking or savings account

I initially opened the account brand new and received one payment of {$120.00}. I was then notified my venmo that my account was restricted after attempting to use my debit card. Venmo requested that I submitted documentation verifying my identity such as my ID. The account was successfully recovered afterwards .... However in less than 24 hours the account was frozen again and I was instructed to submit documentation again. I submitted the documentation exactly as I was instructed and unfortunately the company refused to release my funds. I was then told that the account was suspended due to a violation of the company guidelines. Ask how did I violate any guidelines when the account was newly open and no transactions were processed outside of a deposit. The representative then proceeded to tell me that I could not have the account recovered based off of the information given. The information was true and accurate and also verifiable. I have found a complaint with the XXXX XXXX XXXX as well and continuous ly reached out to the company regarding this matter. I was given incorrect information on the executive level of PayPal primary companies for venmo. I am still attempting to resolve this matter but I have received very unconcerning responses disregarding this. My family I are currently going through a hardship and this has been a humiliating experience. I simply would like to submit whatever it is needed and have my funds released to me because there is no explanation directly as to why this company is holding my money!!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. XXXX and TransUnion must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$460.00}
Product: Debt collection

In XX/XX/XXXX I completed a short sale on a property and signed a promissory note. Pursuant to the note I signed I began paying on the debt to XXXX XXXX. XX/XX/XXXX, Real Time Resolutions attempted to collect on the same debt however I advised I was previously paying on the debt. They subsequently reported me to the credit bureau for a debt I was already paying on. 

I have filed with the credit bureaus and submitted supported documentation without a satisfactory resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been making payments to Freedom Mortgage Company for about 2 and half years now and the majority of them have been paid online. I paid my XX/XX/XXXX mortgage payment on XX/XX/19 which was a Sunday  at XXXX. Freedom Mortgage changed the way they process payments on the weekend, did not notify me of the change, and applied my payment as of XX/XX/19 and put a 30 day late on my credit report. I paid on XXXX  XXXX  not XXXX  XXXX. I was not 30 days late. I provided proof showing the screen print of my payment along with their email confirmation of receipt of payment dated Sunday, XX/XX/2019 XXXX XXXX. Freedom Mortgage refuses to take the 30 day late off my credit report. I've called them numerous times speaking to various people. More than one of their reps agreed that they recently changed the way they process payments. They now apply weekend payments the following business day and will put a 30 day late on your credit report even though you were not 30 days late. Again, they failed to notify me of this change in apply weekend payments the following business day and the fact still remains that I paid on XXXX  XXXX  not XXXX  XXXX. My last call to Freedom Mortgage Co was with their Customer Liaison on XX/XX/19 at XXXX. He stated they've done this to thousands of people and put the 30 days late on their credit reports too. I first notified Freedom Mortgage of their error on XX/XX/19 via email to XXXX. I received no response. I sent a second request for them to correct their error on XX/XX/19. No response to my either email. I was verbally told they would have a decision by XX/XX/19. It seriously does not take two weeks to look at this information. I called XX/XX/19and was told they declined to remove the 30 day late and was advised to file a dispute with the 3 credit bureaus so that department can review the complaint and decide what to do. They are clearly violating the Fair Credit Reporting Act when I paid them on XX/XX/19not XX/XX/19. Here are the dates & times of my calls to Freedom Mortgage Co trying to get them to review the proof of payment emailed to them and to remove the 30 day late from my credit report : XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX  XX/XX/2019 XXXX XX/XX/2019XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

West Lake Financial is reporting erroneous lates on my credit file. These lates are from XX/XX/20, XX/XX/20, XX/XX/20. During this time i was going through financial hardship due to COVID. My hours were cut at work and i struggled to make the payments. I called and made the payments as soon as i could to try an avoid a late notation but when i checked my credit file i noticed the late notations. Under the federal mandates, CARES ACT, you can not report late during the pandemic or due to the pandemic. I also contacted West Lake and advised i was not able to make the payment due to COVID.
Product: Credit reporting, credit repair services, or other personal consumer reports

You have a bankruptcy reporting in the public records section of my credit file. You mentioned that you obtained this information from XXXX XXXX. I have a letter from XXXX XXXX stating that this incorrect information has been removed from my file. Please remove this information as soon as possible. Thanks
Product: Debt collection

Several years ago, this company ( Portfolio Recovery ) contacted me about owing this debt that they claimed resulted from a XXXX XXXX Credit Card. I began to pay but questioned whether or not I paid off the account. I stopped using the XXXX Card in XXXX because I knew I could not afford it ; however, I thought I paid off the account within a couple of years. I requested proof that I owed, and never received proof nor further communication from Portfolio Recovery. When I contacted the XXXX to initiate complaint against Portfolio, XXXX could not find the correct address associated with Portfolio Recover. Now, according to the Credit Bureaus, Portfolio is making it look like I opened an account in XXXX and have not paid on it. Which is not true. I have not reestablished having a credit card because I want to clear up and fix my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 
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 XXXXXXXX
Product: Checking or savings account

On XXXX/XXXX/17 at XXXX EST, I withdrew {$2500.00} from my business checking acct. at the branch with a teller. On that same day at XXXX EST with the same teller, I deposited {$400.00} into my account. Both transactions are reflected on my account. After hours around XXXX, my account was debited by one of the tellers at the bank. The transaction shows as a 'Bank Originated Debit ' on my account. I went to the branch today, and XXXX XXXX XXXX gave me the explanation that the teller 'made a mistake by depositing {$400.00} into my account but at the end of the business day, they REMEMBERED that I had actually withdrew {$400.00} and that I had been given cash ' This is not true. The record shows that the {$400.00} deposit was made and the employees of the bank went into my account after hours and took money out of my account based on what they remember.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been a month since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or delete them immediately in my report : 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, credit repair services, or other personal consumer reports

I just received an alert on my true identity-transunion credit report that 2 hard inquires were made by XXXX/XXXX  and XXXX  /XXXX. I did not apply for any credit cards or anything thru XXXX  or XXXX  XXXX. I just froze my transunion credit report. I do I get these hard copy requests removed. Thanks
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention a serious matter that has come to my notice recently. Upon reviewing my credit report, I have discovered several fraudulent inquiries that I did not initiate. These unauthorized inquiries have significantly impacted my credit standing and raise concerns about potential identity theft. I am deeply concerned about the presence of these fraudulent inquiries as they may not only damage my credit score but also indicate possible fraudulent activity on my personal information. I have taken great care to safeguard my sensitive details, and the existence of these inquiries has raised alarm bells regarding the security of my personal data. I would like to emphasize that I did not authorize any entity, individual, or organization to inquire about my credit history. I demand immediate investigation and removal of these unauthorized inquiries from my credit report to rectify this distressing situation. To assist in your investigation, I have enclosed a copy of my credit report, highlighting the suspicious inquiries in question. I urge you to take prompt action to rectify this matter and restore the accuracy of my credit history. Additionally, I request written confirmation once the inquiries have been removed and any corrective action has been taken. Furthermore, I have already taken steps to protect myself from potential identity theft by placing fraud alerts with the XXXX major credit bureaus. However, I am relying on your expertise and assistance in addressing this matter thoroughly and preventing any further damage to my credit reputation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and I expect that this right will be fully respected throughout the resolution process. I expect to receive your written response within XXXX days of your receipt of this letter, as stipulated by the FCRA. Failure to respond within the stipulated timeframe may result in my escalation of this matter to the appropriate regulatory authorities and legal action if necessary.
Product: Debt collection

On XX/XX/2020 I received a letter and repeated calls from NCB management services claiming I owe them {$1200.00} and they are representing an account for XXXX XXXX XXXX XXXX ( which I do not believe is a real and licensed business in the state of Mississippi ). I contacted them immediately because I did not believe I owed this amount, or anything at all to NCB or XXXX XXXX XXXX XXXX. I emailed their listed email address info@ncbi.com, and mailed them a physical copy- after no response in several business days, I called their number and spoke with someone named XXXX , he stated they received my email and letter and that all communications have stopped and I should not received any calls or emails about the debt owed ( per my request in the email/letter ). He also stated the company was working on providing me with the validation or how it can be resolved regarding my credit bureau ( as my email requested the trade line be fully deleted from my credit bureau ). I thanked him for his time and we ended the call. Since I have had zero information provided to me from them in anyway, they continue to send me collection emails ( last received one to my school email on XX/XX/2020 ), and they have not provided validation of this debt to me or any credit bureau other then their falsified charge off. Since it has been well over 30 days and they received my request via email, writing, and verbally, as well as verbally confirmed acceptance of these requests- I seek to have the trade line 100 % removed from all credit reporting agencies as they have failed to comply with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Erroneous addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX, and fraudulent account : XXXX XXXX DATE OPENED XX/XX/2006 BALANCE {$46000.00}.
Product: Debt collection

I XXXX XXXX at this current moment is submitting a complaint that i currently have Credit Acceptance reporting on my consumer report of an alleged debt they claim i owe an amount of {$13000.00}. I do not owe this debt and i will not entertain with paying this debt. Please be advised that Credit Acceptance is in violation of the FDCPA 15 USC 1681b ( 2 ) which clearly states that no debt collector shall not state that such consumer owes any debt in which they are currently violating. The account information that Credit Acceptance is currently reporting to the consumer reporting agency is false and misleading and is in violation of the FDCPA 15 USC 1692e. I have sent a letter to credit acceptance regarding the alleged debt they claim i owe and i demanded validation of debt they claim i owe in which they have failed to provide which is a violation of the FDCPA 15 USC 1692g and Credit Acceptance sent a letter back stating that my request/demand is frivolous in which i find to be very disrespectful towards my rights as consumer. Credit Acceptance is civilly liable {$1000.00} per violation for the damages they have caused and not complying with the demands that has be requested that they have failed to comply with 15 USC 1692k ( a ) ( 1 ). Please be advised that Credit Acceptance has also committed several violations and my right to privacy 15 USC 6801 ( a ) and violated 15 USC 6802 ( e ) ( 2 ). Credit Acceptance did not have written instruction to furnish this information and has also committed a violation of 15 USC 6802 ( 6 ) ( a ). I demand that this account be removed from my consumer report immediately as Credit Acceptance has committed many violations of my consumer rights under the FDCPA. Credit Acceptance shall not assume people do not no their rights as a consumer against the illegal activity thats being committed here.
Product: Credit card or prepaid card

I've been trying to resolve this issue for over a year now. I had a XXXX XXXX card in XX/XX/XXXX. I lost the card around XX/XX/XXXX. I reported it lost. I received a new card from Synchrony bank. I became dissatisfied with the transfer process of my card transactions for my 1st card to my replacement card. I paid my balance in full and cancelled the card in XX/XX/XXXX. I asked for the membership fee to be reveresed as well as the finance charge associated with the membership fee to be reversed. The annual fee appeared on my 1st card. XXXX XXXX has an issue with linking replacement cards to their customer 's accounts. They failed to close both the original and replacement card. They failed to reverse the finance charge and membership fees from the original card when the replacement account was closed. Post closure of the replacement account late fees and and finance charges accrued on the 1st account which were eventually transferred to the replacement account. I spoke to several representatives in XXXX and XX/XX/XXXX to ensure this issue was resolved and that my credit bureau was cleared of this collection. I considered this issue closed as of XX/XX/XXXX.I contacted each credit bureau to dispute collection file. It is now XX/XX/XXXX and I received a collection notice from XXXX, XXXX XXXX XXXX for {$370.00}
Product: Checking or savings account

On XX/XX/XXXX or XXXX a debit card was delivered to my old address at my parent 's house from Chime. The card is in my maiden name ( XXXX ) and appears to be a real card and not one of those promotional fake cards some companies send out. I have never had business with Chime and did not apply for this account. I am pretty sure it is a case of identity theft and credit fraud. I've tried to contact Chime via their customer service email and have been given the run around about trying to close this account. They are refusing to close the account unless I send them sensitive documents over unsecured email including my driver 's license and a copy of my social security card. They also requested I contact them from " the email address I used to open the account '' ; which would be impossible because I didn't open the account and it is fraud. Every time I email them a different " representative '' responds to my email and gives me a run around. There is no real person that you can talk to on their phone number. I just want this obviously fraudulent account closed and they are making it impossible.
Product: Mortgage

To whom it may concern : I submitted the evidence of homeowner insurance after I received the first notice for insurance information. However, I received the Second and final notice Please provide insurance information on XX/XX/XXXX ( Exhibit A ). 
In the letter, TD Bank states that the insurance information I provided was received but unable to verify the coverage from XXXX. I went to the TD branch at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and was told by manager XXXX to email and mail the proof to them. I mailed a copy to TD Bank Loan Operations XXXX XXXX XXXX XXXX Department TD Bank N.A. ( Exhibit B ). I called TD Bank at XXXX XXXX XXXX XXXX and was told to email the proof of insurance again which I did on XX/XX/XXXX ( Exhibit C ). 
The documents I sent again contain the following items. I purchased the house on XX/XX/XXXX and purchased one year of homeowner insurance. I provided TD Bank with the Policy document along with company information. They can verify with the insurance provider. The document is sufficient to prove that I have insurance coverage for the period XXXX which is provided and confirmed by the insurance company. ( Exhibit D, E, F ) However, I received a letter stating I need to pay for the insurance period XXXX and the total amount will be divided and added to the monthly bill in one year which is XXXX {$130.00} ( I did not have any escrow account with TD and I only pay for the interest and principle ). ( Exhibit G ) I do have insurance coverage from XXXX and they still charge me {$130.00} for that period. Please refund the money and cancel the rest payment for insurance coverage from XXXX. 

XXXX XXXX XX/XX/XXXX