23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. 
Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to block and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within XXXX ( XXXX ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$580.00} Date Opened : XX/XX/year> Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. 
XXXX
Product: Mortgage

Client is wanting to save her home and has the means to do so - the loss mitt package was submitted to the lender XX/XX/2016 - 7 days prior to the sale date of XX/XX/2016 - the lender is not postponing sale to allow the review, they are now in violation of XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I was charged a return payment fee for {$29.00}. I don't agree with this return payment fee because American Express received the statement balance payment in full and on time for that month on the due date. They would not remove this return payment fee so I closed my account out of frustration with being treated unfairly after having flawless payment history with them for nearly 10 years. I don't think I should be responsible for this fee because no payment was actually returned and they received the full payment. 

There was {$22.00} left in rewards dollars for the next statement on XX/XX/XXXX which was applied on the statement with {$0.00} in interest leaving {$6.00} balance left. I did not pay this remaining balance because they received most of their invalid return payment fee money from my rewards balance, so I erroneously assumed this small balance wouldn't be a problem. 

This {$6.00} balance ultimately caused XXXX days past due negative marks on my credit score and late fees adding up to {$52.00} on the XX/XX/XXXX statement. I contacted American Express about this and they removed the balance but would not remove this 60-90 days past due negative mark on my credit score that reduced it by almost XXXX points, claiming this is an accurate reporting of the account to the credit bureaus ( see attached letter ). I disagree with this conclusion and I don't think it's fair that {$7.00} reduced my credit score by this much, especially when there should not have been a balance to begin with. This is a problem caused by American Express and unfair treatment of a customer. If you review my credit history, this is the only time in almost 20 years that there has ever been a problem and I think that needs to also be considered in this case. If this was a mistake on my part I don't think I should have to pay this dearly for {$7.00}. I have attached the statements for this narrative. 

In conclusion, I think the 60-90 days past due negative mark needs to be removed from my credit score ASAP.
Product: Credit reporting or other personal consumer reports

I mailed my written request for validation, verification, and incorrect credit reporting to be deleted. I also requested a refund for all payments I made towards the alleged debt. As of today 's date XX/XX/XXXX XXXX Card ( " XXXX '' ) is still communicating false and inaccurate information to Experian with no permissible purpose which violates 15 USC 1692e ( 8 ). My rights as a consumer are being violated pursuant to 15 USC 1692h. My instructions were not followed. I requested the name and address of the original creditor of the alleged debt and XXXX failed to provide me with it. I am aware that I am in fact the original creditor. 

I am facing adverse actions due to the false and inaccurate reporting. I continue to be denied credit and my XXXX XXXX has dropped significantly. 

I mailed out my written requests on XX/XX/XXXX and XXXX received my communication on XX/XX/XXXX, XXXX pm as evidenced by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This company has no authority to access my credit. I have no contract or association with this company. This compaby violated right to privacy.
Product: Checking or savings account

Account : XXXX Owner : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tenant SS Wife : XXXX SS Husband : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX, MS XXXX Ref : Probate Code - Section 5604 ( c ) ( 2 ) XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone : ( XXXX ) XXXX California Unclaimed Property Division XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, California XXXX Phone ( XXXX ) XXXX Fax ( XXXX ) XXXX ( I requested name changed back to maiden name at divorce - XXXX ) TO WHOM IT MAY CONCERN : Five years ago, California Division of Unclaimed Property via XXXX XXXX XXXX ( heir finders ) notified me of unclaimed property of my now deceased ex-husband and myself from the mid XXXX due in inactive status. I was requested to submitted death certificate from courthouse along with divorce papers along with XXXX XXXX signatures on each copy of correspondence which I did immediately. 

It appears that although we divorced and divided several funds in XXXX, my husband left them in both our names when he died over ten years later. 

Despite other mutual funds/insurance company sent me the funds which were minimal amounts ( under 6,000.00 ), Deutsche Bank refuses to take my husband 's name off the account and allow me to access the funds ( XXXX as of last week ). 

I presented necessary documents ( court-stamped death certificate, divorce papers with request for maiden name ( XXXX ) of wife and division of property ). 

Due to this account, I am audited yearly, have paid small taxes on the small dividends for 25 years up including XXXX which showed gains. 

Can you please help me? I need this money as I am behind on my mortgage XXXX, and this would be the answer to my dilemma. 

Up until last week, Deutsche Bank reinstated their stand that they recognize the judge 's orders that this fund is my husband 's property. 

I contacted executor last XX/XX/XXXX to remove my name while attempting to file for SSDI, which he failed to do. I called him ( deceased ex-husband 's son, XXXX XXXX ) two days ago on two occasions, and he has failed to return my calls. 

At this moment, I have spoke with bankruptcy attorny and since my debt is so low, he suggested I do whatever is necessary to capture this small amount so I will not lose my home of 20 years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I disputed an erroneous late payment reported by XXXX XXXX on my XXXX credit report for the month of XX/XX/year>. The dispute was resolved in my favor, with XXXX confirming the correction. However, in XX/XX/year>, the same incorrect late payment ( 60 days past due ) reappeared on my XXXX report despite being properly reported as " on time '' by XXXX and XXXX. 

I reached out immediately via email to XXXX XXXX and XXXX, including their legal departments, customer service, and executive offices, on XX/XX/year>, to highlight the error. Attached to my correspondence was the goodwill adjustment letter from XXXX XXXX confirming that the XX/XX/year> payment was timely. I requested an urgent correction since the error affects my ability to secure critical business credit lines. 

Despite resending my concerns several times ( including today, XX/XX/year>XXXX  ), I have received no response or acknowledgment from either party. This issue arises solely on XXXX, likely due to a reporting or system error, as my XXXX and XXXX reports remain accurate.
Product: Credit card or prepaid card

EXPERIAN HAS BEEN CHARGING MY XXXX XXXX CREDIT CARD {$30.00} A MONTH SINCE XXXX AND I DIDN'T SIGN ANY PAPERWORK OR FILL OUT ANY FORMS ONLINE ALOWING THEM TO BILL ME {$30.00} A MONTH FOR THEIR SERVICES. THIS IS FRAUD. I WOULD LIKE TO KNOW JUST HOW SOMEONE AT EXPERIAN WAS ABLE TO GET MY CREDIT CARD INFORMATION. I HAVE NOT PURCHASED THEIR SERVICES AT ANY POINT IN TIME. I WOULD LIKE TO SEE A FORM WITH MY " WET SIGNATURE '' ON IT BECAUSE I HAVEN'T SIGNED ANYTHING. I HAVE NOTIFIED THE LOCAL POLICE DEPARTMENT IN MY AREA AND I WOULD LIKE TO SEE THE DOCUMENTATION OR EVIDENCE THAT EXPERIAN HAS ON FILE SHOWING THAT I PURCHASED THEIR SERVICES SO THAT I MAY FURNISH THE LOCAL POLICE WITH EVIDENCE.
Product: Credit reporting or other personal consumer reports

As I was going over my credit report I noticed that my account was not being reported accurately. I have a late payment being reported that was paid on time. Consumer credit agencies are required to report complete and accurate information. Im attaching proof along with this complaint showing that I did in fact pay my account on time. The date in question is XXXX. Based on the proof submitted, youll see that XXXX and XXXX both reported accurate information. Information that the account was paid as agreed. I request that you investigate this matter and provide official documentation showing that I made a late payment. When this information cant be verified, I demand that this payment be reversed to paid as agreed paid on time immediately. Your prompt action in this matter will be greatly appreciated. Thank you.
Product: Money transfer, virtual currency, or money service

Zelle never offered me my money back numerous times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this year I had noticed accounts opened on my credit report without my consent, knowledge or permission. I contacted the creditors ( XXXX, XXXX XXXX, XXXX ) informed them it was fraud and closed the accounts. On XX/XX/XXXX I noticed the fraudulent information was still on my account. Where I then made a police report and wrote a dispute with supporting documents to have XXXX XXXX the fraudulent information from my account pursuant to FCRA 605B 15 U.S. Code 1681c-2. XXXX, Equifax, XXXX received my dispute with documentation on XX/XX/XXXX ( proof of receipt enclosed ). 

I also noticed XXXX, Equifax, XXXX was reporting my Covid-19 forbearance as late for six months. I sent them documentation showing I was under Covid-19 forbearance and covered by CARES ACT and that also my account with XXXX XXXX  was paid with a balance of 0. To date XXXX, Equifax, XXXX has not blocked all the fraudulent information on my account I pointed out only some and they have not updated my account with XXXXXXXX XXXX properly. I should state Paid/Never late/Closed. As the account was paid and closed with a zero balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX experian updated my card balance when my closing date isnt until the XXXX of XXXX as a result my score dropped drastically causing major inconvenience in my families life as we are applying for a new home.. I want my score readjusted to the prior score before the illegal update or legal action will be taken company does not have 30 days seeing that this is a timely matter that has a drastic impact on my families livelihood
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ( XXXX XXXX {$2400.00} ) I am disputing this item because Experian failed to properly investigate my prior dispute. Despite providing sufficient evidence to demonstrate that this information is inaccurate or unverifiable, Experian has not fulfilled its obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation and remove this incorrect information from my credit report. I request that this item be re-investigated immediately and removed as it continues to inaccurately impact my creditworthiness.
Product: Prepaid card

( Writing in regards to Vanilla Card dispute XXXX ) I purchased a {$50.00} card for my niece for her XXXX birthday in XXXX of XXXX in XXXX XXXX. This XXXX girl was homeless and it was wonderful to be able to provide a little XXXX for her. She asked a friend for a ride and was taken to the store to get a few personal items and when she went to go pay, she was told that there was no money on the card. Needless to say, she was absolutely devastated. When I saw her in XXXX of XXXX, she told me what had happened and her dad said she stood at the store crying. When she came to my house, I got the card from her and contacted customer service and was told that the card had been spent XX/XX/XXXX of XXXX at a flower shop somewhere in California. My niece had not even received her gift card yet, as it was still in her birthday card at my house. Obviously, she did not buy any flowers in another state and so I filed a dispute with Vanilla Card and basically was told too bad, you just got screwed out of {$50.00}. Now ( Several months after ) I still have no resolution, nor do I have my money and she never got to use the gift card. According to the Card Payments Network, they only allow recovery efforts to be submitted within 60 days of the date the transaction cleared the account, in our case the transaction settled on XX/XX/XXXX. My niece didn't even try to use the card for a few months after, when she was able to secure a ride, so we had no way of knowing that there was an issue with the card until after the 60 day window had already closed so our claim is considered outside of this timeframe. Unfortunately, according to them, we have no rights of recovery. They issued a refund for the balance left on the card, but there wasnt one. This is just wrong on so many levels. I will NEVER get another Vanilla Card, and I will spend the rest of my life sharing my bad experience trying to get my lousy {$50.00} back that would have meant so much to that poor girl.
Product: Credit reporting or other personal consumer reports

This account was reporting that it was paid off and never late, than it was sold to XXXX, XXXX  XXXX. I disputed the account with The CFPB, and was sent a response on this site that it would be removed and not reported again. Today I got alerts stating that XXXX XXXX, reported this account as a late pay write off. 
This company is breaking the law. Supporting documents attached
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : continues to show XXXX accounts as " POTENTIALLY NEGATIVE '' when they are reflected as closed and/or paid in full! There is also an extra social security number that shows up on this report. I have never had more than one! 

EQUIFAX : incorrect address and incorrect inquiries, I have called and some of these business say they have no record of me applying to them. ( XXXXXXXX XXXX XXXXXXXX ) keeps showing up as an inquiry on credit report and XXXX XXXX continues to show up as an automobile credit account which I have never had with XXXX XXXXXXXX. Now there is are Miscellaneous Credit Reporting Agencies showing up in the inquiry portion of this report like XXXX, XXXX ... NEVER HEARD OF THEM! Also an Equifax Mortgage Service never hear of them either. 

XXXX : I have had to file many disputes with the credit agencies down through the years for listing alias names ( XXXX XXXX ), addresses to places where I have never lived ( XXXX XXXX and XXXX and a XXXX  ). 

I'm afraid that the credit report of someone else has been mixed up with mine and I am just now seeing it for what it is. I have contacted many of these creditors ( XXXX XXXX XXXXXXXX & XXXX ) they have nothing in their records for me... ..Things like this go against the FAIR CREDIT REPORTING ACT and is illegal. Please help?
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681, Section 602 which states I have a right to privacy.

15 USC 1681, Section 604A Section 2, also states a consumer reporting agency can not furnish any account without my written instructions. 

Under 15 USC 1666B a creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX VISA CREDIT CARD FROM XXXX, XXXX XXXX ACCOUNT WITH XXXX ONLINE SERVICES AND PERSONAL CHECKING ACCOUNT FROM XXXX XXXX WER ALL LINKED. A XXXX PAYMENT EITHER NOT RECEIVED OR PROCESSED BY XXXX  CAUSED A 30 DAY XX/XX/2018 NEGATIVE REPORTING FROM XXXX TO CRA 'S. I FOUND OUT ABOUT THIS ISSUE ON XX/XX/XXXX, I WAS NOT CONTACTED ABOUT NEGATIVE CREDIT REPORTING VIA NOTIFICATION BY XXXX. 
THE 30 DAY ADVERSE ACTION CAUSED A CREDIT REDUCTION, FEES, ADDED FINANCE CHARGES, A REDUCTION IN CREDIT AVAILABILITY TO A DECLINE FOR CREDIT A CREDIT RATING IMPACT. I CONTACTED XXXX ABOUT XX/XX/XXXX AND WAS TOLD THEY COULD NOT DO ANYTHING, THEY DID NOT OFFER A ONE TIME GRACE PERIOD OR ANOTHER REMEDIATION.THIS IS THE SECOND CHASE PRODUCT THAT SUFFERS FROM BILLING ISSUES, REPORTING ISSUES AND NOTIFICATION ISSUES FACTA, FCRA, CONSUMER PROTECTION LAW, IT IS WITHIN THE PENUMBRA OF THE ESTABLISHED CONCEPT OF UNFAIRNESS. I REMIND XXXX  OF THE CFPB CONSENT ORDERS AGREED TO BY XXXX, FILE NO XXXX- CFPB- XXXX  AND FILE NO XXXX- CFPB- XXXX
Product: Debt collection

I, XXXX ; XXXX, living soul and Executor for the estate of, am writing to dispute several items on my credit report, which I believe contain inaccurate information, and violations of federal trust laws. These inaccuracies are causing significant harm to my financial standing and reputation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request that these inaccuracies be corrected promptly. 
The estate in question with associated social security number is FULL NAME : XXXX XXXX XXXX : XX/XX/year> LAST 4 OF SSN : XXXX ADDRESS : [ XXXX ] XXXX XXXX XXXX XXXX XXXX, XXXX [ XXXX ] Any and all names, addresses and employers listed outside the authorized information given by the estate in the above information is to be REMOVED IMMEDIATELY, anything that remains on the report after the request investigation will constitute trespass and you will be fined {$55000.00} USD for EACH inaccurate listing still remaining. 



The accounts in question are listed below as well as highlighted in the report attached. 
LATE PAYMENTS BEING UNLAWFULLY REPORTED : XXXX. XXXX XXXX XXXX XXXXXXXX ACCOUNTS UNLAWFULLY REPORTING CHARGE OFFS OR THAT HAVE BEEN SOLD TO 3RD PARTIES HAS BEEN HIGHLIGHTED IN THE REPORTS ATTACHED and listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

i have been black listed on XXXX for being " suspected for fraud activity '' because of this i can not open any bank accounts. I was pressured into putting a check for my friend into my own account. the check bounced and my account was closed now i can not open any accounts. This happened in XXXX  and im still struggling with this issue
Product: Debt collection

Chase Bank took over a credit card account that I had with another company and raised our interest rates by 150 % without our knowledge or written notice. I contacted them about their deceit and the inappropriate raise in our APR and they said that I could pay off the debt but that was the only way to stop the interest accrual but they would not take back the extra interest already added for the previous months which totaled about a {$700.00} dollars. I paid off the account except for the {$700.00} that I felt was a malicious way to increase their bottom line when they had just received a bailout from the government. They kept adding interest to the interest and then sold the debt to another company. I contacted them and told them that this debt was paid and that they were trying to collect on interest charges that were illegally accrued on my account without my knowledge and that Chase bank had kept adding interest to an already balance that was only interest in the first place. They never contacted me again but this has damaged my credit. I am sure that this has happened to many many people and that they paid the extra interest without questioning Chase Banks practices. My credit card account was always paid on time and I had a 9.5 % interest rate when Chase took over they had raised my APR ( without my knowledge ) to 25 % and this all happened after they received their government bailout. I have copies of all my statements and records to back up my claim and when I contact Chase back and asked them to send me a copy of their letter that they stated they had sent to me about the raise in my APR, they mailed my a shrunken copy of their new customer pamphlet that the print was so small you could not even read it.
Product: Credit reporting or other personal consumer reports

The three credit bureaus never corrected the inaccuracies and according to FCRA, 15 U.S.C. 1681these accounts must be deleted from my credit report. I will attach my complaints and show the inaccuracies in the files I upload. Thank you
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved to obtain goods, services, or cash. Kindly take out the following inquiries. 
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

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX