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

I have submitted over ten disputes with Equifax, for 1 account with the XXXX XXXX XXXX  Account # XXXX  to be reported correctly, it has been listed on my report with comments as Bankruptcy Chapter XXXX with an account status of included in Bankruptcy which is incorrect. I have request to have proof provided to me to show verification of the account status, I still have yet to receive this information or removal of the incorrect information.
Product: Debt collection

Around XXXX XXXX, XXXX I repeatedly received calls from ARS national services. I have answered a few times and requested contact in writing over the phone. I am getting 1-5 calls a day despite receiving NOTHING in writing since this company started to call me. There is nothing on my credit report showing who they are or why they are trying to collect or if there is a debt that is MINE. I have sent this company an email " cease and desist '' because I have no physical address for them and want them to follow collection laws and verify if there is debt they are trying to collect for and if so where did it come from and who is it owed to? The number they rationalize calling up to 5 times a day is on the national Do not call registry and this comes across as harassment to get me to pay on debt I do not owe.
Product: Mortgage

I spoke to a lady in the mortgage dept. yesterday. She said they put money in an escrow account. I do not have and never had an escrow account. Furthermore I have not been late for the dates that she claims. You can not get a late fee unless payment is made after XX/XX/XXXX. XXXX/XXXX/XXXX I made XXXX XXXX payment. then XXXX/XXXX/XXXX i made XXXX XXXX payment, XXXX/XXXX/XXXX I made XXXX XXXX XXXX payment, then XXXX/XXXX/XXXX I made XXXX XXXX payment, then XXXX/XXXX/XXXX I made Mat XXXX payment, then XXXX/XXXX/XXXX i made XXXX XXXX payment and XXXX/XXXX/XXXX I made XXXX XXXX payment. I was only late XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX which I made during that time & paid additional late fees XXXX/XXXX/XXXX. So I may have over paid you. Now they may owe me. I am paid up & owe them nothing. I have been calling them, messaging then & going to the branch for XXXX months about the same thing. I paid them all that I owe & may have paid more they still claim I owe. Every time I speak to someone they hang up, someone suppose to call back or they are going to research the matter. Nothing ever happens. What they are doing is unethical or someone is very incompetent & do not know how to apply the payments I made correctly. I need your help this is a serious matter. I am XXXX & can not keep going through this. If I am not mistaken I asked for your help also no reply. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus reporting fraudulent accounts to my credit report. Credit reporting agencies were made aware of fraudulent accounts with identity theft report. But did not remove the accounts from my consumer report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX shows as charge-off but the account was settled due to account takeover fraud reported XXXX
Product: Debt collection

In 2017 I lived at XXXX XXXX owned by XXXX XXXX some point it got sold to a different owner now XXXX. XXXX place wrongfully charged me an ETF fee when they released me because of faulty electrical not up to code and that it looks like they were not even disclosing ETFs received on their books because I was paying but my payments were getting lost in the mail and they were not sending me legal correspondence or any invoice to show payments applied. I even had to get the postal investigation office involved. I complained to XXXX too. They stopped colle ting at that time. Now out of the blue this guy XXXX keeps calling me and it sounds fake.
Product: Debt collection

LATE PAYMENT SUBJECT : NOTICE OF DISPUTE AND REQUEST FOR LATE PAYMENT/CHARGE OFF REMOVAL DEAR DEAR XXXX OFFICE I TRUST THIS LETTER FINDS YOU WELL. I AM WRITING TO FORMALLY DISPUTE THE PRESENCE OF LATE PAYMENTS REPORTED BY YOUR ORGANIZATION ON MY CREDIT REPORT. I BELIEVE THESE LATE PAYMENTS TO BE INACCURATE AND UNJUST, AND 1 KINDLY REQUEST THEIR REMOVAL IN ACCORDANCE WITH APPLICABLE LAWS AND REGULATIONS. 
THE LATE PAYMENTS IN QUESTION ARE ASSOCIATED WITH THE FOLLOWING ACCOUNT -DATE ( S ) OF LATE PAYMENTS ) : XXXX, XX/XX/2019 until XX/XX/2019 I WISH TO EMPHASIZE MY COMMITMENT TO FAIR AND ACCURATE CREDIT REPORTING. 
THESE LATE PAYMENTS HAVE HAD A SIGNIFICANT IMPACT ON MY CREDIT WORTHINESS AND HAVE CAUSED ME UNDUE FINANCIAL HARDSHIP AND EMOTIONAL DISTRESS. 

IT IS MY UNDERSTANDING THAT YOUR ORGANIZATION HAS A RESPONSIBILITY TO REPORT ACCURATE INFORMATION TO THE CREDIT BUREAUS. GIVEN MY BELIEF THAT THESE LATE PAYMENTS ARE NOT REFLECTIVE OF MY PAYMENT HISTORY, I HEREBY REQUEST THEIR REMOVAL FROM MY CREDIT REPORT. THIS REQUEST IS MADE IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ) AND RELATED REGULATIONS. 
I ALSO WANT TO BRING TO YOUR ATTENTION AN IMPORTANT MATTER REGARDING OUR ORIGINAL AGREEMENT. THE ARBITRATION CLAUSE WITHIN OUR AGREEMENT OUTLINES A MECHANISM FOR DISPUTE RESOLUTION THAT WE BOTH AGREED UPON. IT IS MY SINCERE HOPE THAT WE CAN RESOLVE THIS MATTER AMICABLY AND AVOID THE NECESSITY FOR ARBITRATION, WHICH COULD RESULT IN SUBSTANTIAL COSTS AND FEES FOR BOTH PARTIES. 
UCC1-308 15 usc 1692B 16 usc 1666 THEREFORE, I PROPOSE THE FOLLOWING OPTIONS FOR RESOLUTION : OPTION XXXX : REMOVE LATE PAYMENTS I KINDLY REQUEST THAT YOUR ORGANIZATION PROMPTLY REMOVE THE LATE PAYMENTS FROM MY CREDIT REPORT, THEREBY RECTIFYING THE INACCURACIES AND ENSURING MY CREDIT HISTORY IS ACCURATELY REPRESENTED. 

OPTION 2 : INITIATE ARBITRATION SHOULD YOUR ORGANIZATION PREFER NOT TO REMOVE THE LATE PAYMENTS, I AM PREPARED TO INITIATE ARBITRATION PROCEEDINGS AS ALLOWED BY OUR AGREEMENT. THIS PROCESS MAY ENTAIL SUBSTANTIAL COSTS AND FEES, INCLUDING MY FILING FEE, YOUR FILING FEE, ARBITRATION INITIATION FEE, AN ARBITRATOR DEPOSIT, AND ANY LEGAL COSTS INCURRED DURING THE ARBITRATION PROCESS. 
I FIRMLY BELIEVE THAT AN AMICABLE RESOLUTION IS IN THE BEST INTERESTS OF BOTH PARTIES. HOWEVER, I AM FULLY PREPARED TO PURSUE ARBITRATION SHOULD THAT BE NECESSARY TO UPHOLD MY RIGHTS AND ENSURE FAIR CREDIT REPORTING. 
PLEASE RESPOND TO THIS NOTICE WITHIN [ 14 DAYS ] TO CONFIRM YOUR WILLINGNESS TO REMOVE THE LATE PAYMENTS OR TO EXPRESS YOUR INTENT TO PROCEED WITH ARBITRATION. YOUR PROMPT RESPONSE IS APPRECIATED AND WILL HELP FACILITATE A TIMELY RESOLUTION TO THIS MATTER. 
THANK YOU FOR YOUR ATTENTION TO THIS ISSUE. I LOOK FORWARD TO YOUR RESPONSE AND THE POSSIBILITY OF RESOLVING THIS MATTER IN A MANNER THAT ENSURES FAIR AND ACCURATE CREDIT REPORTING.
Product: Mortgage

On XX/XX/XXXX, I noticed my homeowner 's insurance had not been paid by my escrow account at RoundPoint even though the insurance bill was due on XX/XX/XXXX. I called the company to remind them to pay the bill. A customer service agent said they would send it out the next day. Seeing it deducted from my escrow account on XX/XX/XXXX, I assumed it went out. Later the next week, I received a letter from RoundPoint stating I had no evidence of insurance and that I might be given another insurance policy at a higher price through them. I called to inquire and they said the letter was sent " in error. '' I've had the same insurance policy the entire time of the mortgage. There should be no confusion on when bills are due or where money is to be sent. On this last call, they said the check was sent out in a bulk check on the XX/XX/XXXX( not the XX/XX/XXXX that they originally said ). As of XX/XX/XXXX, the insurance company still has not received the check and my policy is being cancelled due to nonpayment.
Product: Credit reporting or other personal consumer reports

My personal information was in a recent data breach and there is information on my report that has nothing to do with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX PARK XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$17000.00} ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$94.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00} ; XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$58.00} ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX 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: Checking or savings account

year:XX/XX/XXXX amount : {$2100.00} with Pinnacle LLC C/O resurgent capital service.
on that year I had checking Acct with XXXX XXXX XXXX. I deposit {$2000.00} check from I got from employer and 3days later I went to bank to confirm deposit and teller said cleared so I cashed out, while after I completed move out to other state. I did not contact from bank at all what happen. XX/XX/XXXXI went to XXXX XXXX XXXX XXXX and I found out I 'm not able to open checking account with check system record. So I called to XXXX XXXX XXXX acct department trying to know what happen, deposit was bounced. I asked, can I pay for it now for open acct? said, not sure because they issued XXXX to me and it does n't matter pay or not. I asked, so I can handle with IRS? said, yes. so I cleared with IRS last tax report. I did what ever they said but still they block to unable to open checking acct. I trying to pay back but bank wo n't accept and I paid for tax above amount. At this time I 'm getting so hard time to living without account. carrying cash for spend. I believed, someway to solved, just made painful and hard time is not the way of live as US citizen.
I really wish to way to solved this matter soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the credit bureau and its been over 30 days with no resolution.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) to request the immediate blocking and removal of the following fraudulent accounts and addresses from my consumer credit report. These accounts and addresses are a result of identity theft and fraud that occurred during my period of trafficking. I expect Experian to take action within the four business days as required by FCRA. 

The following accounts were fraudulently opened without my knowledge or consent : XXXX XXXXXXXX XXXX  Account Number : XXXX Balance : {$13000.00} Date Opened : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Balance : {$23000.00} Date Opened : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Balance : {$3600.00} Date Opened : XXXX XXXX Additionally, the following addresses, which I have never resided at, were fraudulently added to my credit report and must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To support my claims, I have attached the following documentation, which has already been accepted by other credit bureaus for the removal of these fraudulent accounts and addresses : FCRA Section 605C Self-Attestation Form Notarized Identity Affidavit Notarized FTC Identity Theft Criminal Complaint # XXXX Notarized Utility Bill Proof of Removal from XXXX and other credit bureaus In addition, I am a victim of the XXXX XXXX XXXX ( proof attached ), which has further contributed to the misuse of my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is not reporting correctly, Equifax has some discrepancies and XXXX as well. All three are not accurate and should be held liable for all the time my credit was worse than what it really was.
Product: Credit reporting or other personal consumer reports

I want to clarify that I have not given my consent to XXXX, XXXX, and TransUnion to furnish my information. They do not have my written consent for the same. Any consent they believe they have, whether verbal, non-verbal, written, implied or otherwise, is now revoked. ''
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Delinquency Reporting Comenity Bank - XXXX XXXX To Whom It May Concern, I am filing a formal complaint against Comenity Bank regarding the inaccurate reporting of my XXXX XXXX account on my credit report. Despite my attempts to resolve this issue directly with the credit reporting agencies, this incorrect information continues to harm my credit standing. 

Complaint Details : Creditor : Comenity Bank XXXX XXXX Account Number : XXXX Issue : Incorrect delinquency reporting Credit Bureaus Affected : XXXX, XXXX, XXXX XXXX of the Dispute : Comenity Bank has erroneously reported this account as delinquent. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, furnishers of credit information are required to ensure accuracy when reporting consumer data. However, Comenity Bank has failed to meet this standard, leading to unjust harm to my credit profile.

Additionally, under 15 U.S.C. 1681s-2 ( b ), once a consumer disputes an item, the furnisher must conduct a reasonable investigation. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. 1997 ) establishes that a mere verification of the debt is insufficient ; a deeper, independent investigation is required. 

I formally requested that Comenity Bank verify or correct the delinquency, but no satisfactory resolution has been provided. As a result, I am escalating this complaint to the CFPB for further investigation. 

Requested Resolution : I request that Comenity Bank : XXXX a full reinvestigation of my account status. 
Provide documentation verifying the accuracy of the reported delinquency. 
Remove or correct the delinquency if it can not be verified. 
Update all three major credit bureaus with the correct information. 
This error has negatively impacted my creditworthiness, and I seek a prompt resolution to avoid further damage. I urge the CFPB to take action to ensure Comenity Bank complies with federal consumer protection laws. 

I have attached supporting documents, including copies of my credit report, identification, and previous correspondence, to assist in your investigation. 

Thank you for your time and assistance in resolving this matter.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

While in the process of gathering materials/information in preparation for a HELOC application in XXXX of XXXX, my advisor discovered a Charge Off for an XXXX XXXX XXXX XXXX The items is listed under VW Credit ( formerly held by XXXX for the duration of the lease from XX/XX/XXXX- XX/XX/XXXX ). 

This Charge Off and the outstanding balance of {$300.00} that is noted in the credit report was all news to me, as I was led to believe the lease was satisfied entirely when the vehicle was returned at the close of the lease. 

The sudden timing of a charge-off showing on XX/XX/XXXX makes little sense to me for something dating back to XXXX as well. In the event there were attempts to reach me I do not have any correspondence to account for anything outstanding and/or any attempts via phone were disregarded as spam/fraud/etc ( as has become far too common for me and others following data breaches/sensitive personal material readily available online ). 

A perfect example and one that is already haunting me - I did receive a piece of physical mail from a business claiming to be a collection group for XXXX days prior to the Charge Off posted to my report. While nothing about the business looked credible, I did call and prepared a payment to the group just to satisfy anything I have outstanding in my name. I am entirely unsure if this group is even properly associated with VW and I have yet to see this payment realized with VW Credit. My assumption is this group is not affiliated, which further confirms my reluctance to engage with what I suspect to be spam/fraud/etc who possess sensitive information ( social security/lease info/etc ). 

All this to say, had I known there was a nominal fee of any sort that was remaining/outstanding in my name, it would have been satisfied immediately rather than disregarded for 3 years. 

I have reached out to VW Credit twice in Late XXXX XXXX XX/XX/XXXX to request that this Charge Off be removed from my record and also offered to satisfy any remaining balance should they be able to remove this from my report. They've instructed me that this could not be done over the phone whatsoever and instead will be mailing a Dispute Form in 5-7 business days. Once returned, it will take another 30 business days for them to reply. 

Unfortunately, I am not able to have this substantial error continue to drag on my credit score more than it already has to-date. 

As I have mentioned, happy to satisfy anything I am ever responsible for, but the blindsided nature of this error years after the car was returned is causing considerable issues. 

Thank you much.
Product: Debt collection

Account Name ASSETCARE LLC Account number XXXX Account name XXXX XXXX  XXXX Account number XXXX These accounts was pass to a third party collection agency an have violated my consumer rights In accordance to the fair credit act 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 instruction 15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a customer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit card or prepaid card

Starting in XXXX I tried to make aXXXX XXXX  purchase using my XXXX XXXX credit card on XX/XX/XXXX for XXXX. The order went through XXXX however there was no email confirmation because paypal ( which I did not choose ) said : PayPal is committed to complying with and meeting its global regulatory obligations. As part of our regulatory obligations, we regularly screen information and payments transacting through the PayPal system. We recently identified an issue regarding your transaction activity that requires additional review. 

XXXX : Regarding Your PayPal transaction ( XXXX ). It requested I submit two personal information to use my credit card payment directly with XXXX I did not upload as I expect my charge would not go and will get refunded. I since purchase it the item on XXXX using the login paypal method. I encountered this error 2-3 more times until recently on XX/XX/XXXX where paypal limited my account. Going through my history, paypal as committed charges when the order was nullfied from XXXX  because paypal committed to complying with thier global regulatory obligations which permanently making charges if you do not submit information to them. I have bank receipts where there are over 5 charges since XX/XX/XXXX which they have not refunded. Please contact me as I'm also trying to submit this to lawyers to sue paypal for fraud.
Product: Bank account or service

XXXX unauthorized took {$210.00} out of my bank account on XX/XX/XXXX16 and they were not suppose to take it out as they promised me they would n't until XX/XX/XXXX16.This caused my bank account to be overdrawn and a overdrawn fee was charged for $ XXXX.I was going to file charges with my bank against XXXX but XXXX promised they would pay the {$36.00} overdrawn fee so I did n't persue it further with my bank.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent a dispute to Experian credit bureau in this dispute, I challenged the following inaccurate, incomplete, and unverifiable data that has been placed on my consumer report. XXXX XXXX XXXX XXXX account no : XXXX and and XXXX XXXX XXXX XXXX account no : XXXX The following accounts are a result of Identity thief, I contacted Experian, I provided the following documents an Identity thief report, a XXXX XXXX Police report , along with other documents that proved that I was a victim of Identity thief. These accounts were then deleted by Experian, 30 day later without notification these account were reinserted violating the FRCA 611 15 USC 1681 i that states ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or it if authorized by the consumer for that purpose, by any other means available to the agency. Experian is also in violation of FCRA 611 15 USC 1681 i ( B ) Certification of Accuracy of information of previously deleted material. Experian is indirect violation of the FCRA 611 15 USC 1681 i and Federal law, I never received a notice in writing or any other way they had 5 business days to do so and they failed to do so, causing my credit score to drop causing me harm, I am enclosing a document from EXPERIAN were they state that they did delete these accounts and then rescinded, I demand that these accounts be deleted because EXPERIAN failed to INFORM ME IN WRITING NOT LATER THAN 5 DAYS, of the reinsertion furthermore they never furnished me a copy of the certification of accuracy of information. from them or the creditor.