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

I submitted a letter to the XXXX and TransUnion Credit Bureaus last XX/XX/XXXX XXXX  to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For months I have been disputing the incorrect items on my credit reports with the 3 credit bureaus Transunion, XXXX  and XXXX  and none of these companies are providing verification or validation of any of these items within the legal time allowed.
Product: Debt collection

Calls at least a dozen times a day from multiple different phone numbers and unknown/unlisted numbers. Calls begin before XXXX and after XXXX. XXXX allows for XXXX call per day for the purpose of debt collection. Violation of this policy may invalidate any debt owed per state regulation.
Product: Payday loan, title loan, or personal loan

I do not owe these debts! stop contacting me or i will sue you!!!
Product: Mortgage

In 2009 I lost a job that I had for about 20 years. I found a job 3 months later making XXXX less so I got behind on my mortgage so I ask for a modification they did in but the payment went up I told them that it will be hard but it took a long time and I hired a attorney to help me he drag it along for over a year then I did n't hear from the attorney then I found at he was suspended. So I had to do it myself I think they took advantage of me. Then I ask for another modification because I was struggling they did it went hire I struggle they did another one it went to XXXX over XXXX more then what the original payment in 2009. I thought that when you get a modification the payment go down ( am I right ) so I have gotten behind and they will not help me that 's why I am turning to you guys for help we took in my father-in-law he is retired because he has no place to live and we took in my daughter and he XXXX baby 's so was in XXXX relationship. So all the bills went up I am looking for help so I do n't lose my house my son is upset because we might have to leave.
Product: Debt collection

On XX/XX/2022, I contacted Portfolio Recovery requesting for them to validate a debt that they are saying I owe them. I requested for them to provide me a copy of the original contract between the original creditor and myself and also to provide me with a copy of the purchase agreement between them and who they say the original creditor is. As of date they have not provided me with this information they keep sending me letters/statements saying that I owe {$2800.00}, that however does not prove to me that I owe this company whom I've never done any business with any money, but they are still reporting on my credit bureau even though they have not been able to proof that I owe them any money or that they have legal rights to collect any monies from me. Your assistance in this matter is greatly appreciated. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account listed on my credit report with Innovis that is not mine. 

It is with XXXX XXXX XXXX  and the account number is ending in XXXX. 

I have disputed this incorrect information with XXXX XXXX XXXX and Innovis. 

It has been deleted from all credit bureaus except Innovis continues to report incorrect information on my credit report.
Product: Credit reporting or other personal consumer reports

This is a new and updated complaint, I have attempted to retrieve my consumer report and TRANSUNION continue to willfully fails to provide a consumer report upon request. TRANSUNION confirmed receipt of notarized notice but continues to ask for identity verification documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue is a current investigation. Complaint # XXXX. There are several inaccuracies listed on my credit report and my consumer rights are being violated under the Fair Credit Reporting Act ( F.C.R.A. ), F.D.C.P.A., and my character is being defamed.

These accounts were not validated. If your agency/ company fails to respond to this debt validation request within a period of ten ( 10 ) days from the date of your receipt of my notice and affidavit, then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once, or I will take legal action. 

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 an account without my written instructions.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 6802 ( a ) a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

15 U.S.C. 6802 ( b ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless that financial institution provides the consumer with three disclosures.
Product: Credit card

i paid XXXX companies on my bb t card that took my money and rendered no service.i called my bb t card to help me with this and was told i waited to long to dispute these XXXX charges.i explained what had happened that i had not received any goods or services ever.even with these circumstances i was out of luck.i expected more from bb and t.it was XXXX different charges of XXXX and XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I have contacted XXXX/Opploans located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX on several occasions informing them of two accounts that are listed on my credit reports that is not mine. I am a victim of identity theft and fraud and I believe those accounts were opened without my knowledge or consent the first date showing on my credit credit showsXX/XX/XXXX and the second account listed as open onXX/XX/XXXX. Please provide clear and concise documentation showing I have opened these accounts or if you can kindly remove this error from my credit reports.
Product: Credit card

Dear Consumer Financial Protection Bureau : I am making a COMPLAINT and want to express my uttermost displeasure with the way Goodyear Credit Plan/Citibank has been harassing me about a credit bill that we paid in full!!! The credit card was issued for the purchase of XXXX tires at XXXX on XXXX XXXX, XXXX. 
Goodyear/Citibank representatives continue to call my cell phone at least 3 times daily. Below are the phone numbers they have used : XXXX XXXX ( XXXX XXXX KY XXXX XXXX ( Texas ) XXXX Sometimes I answer and sometimes I do not. Every time it 's always the same story. They want to help resolve what they contend is an " outstanding debt '' but what we contend is a " debt paid in full! ". Furthermore, the Goodyear Credit Plan/Citibank representatives talk to me in a very demeaning, demoralizing, and repugnant manner. I tell them that their company is trying to force me to pay on an account that I have already paid the final balance based on the promotional agreement! The promotional agreement allowed me to pay off the financial obligation in 6 months. 
In XXXX XXXX, I purchased XXXX tires from XXXX XXXX that cost {$1000.00}. Goodyear Credit Plan/Citibank approved me credit arrangements to be able to pay off this debt in 6 months. I was told that as long as I paid the debt off in 6 months, I would not be subject to any financial late fees and interest charges. This has not been the case because now Goodyear Credit Plan/Citibank continue to harass me into making payments for those same fees and interests that I am not obligated to pay. 
I made six payments of {$170.00} on the dates in XX/XX/XXXX ( See XXXX XXXX XXXX Statement ) : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX The six payments totaled {$1000.00}. The costs of the tires was only {$1000.00} ; therefore, I have paid off the obligation in six months which was reflective of the aforementioned agreement. Now, Goodyear Credit Plan/Citibank wants me to pay the additional fees and interest charges of more than {$290.00} ( probably more now ), which I am not obligated to pay based on the prescribed agreement. 
I refuse to pay these outrageous and unjust charges because I do n't believe I should. 
This account is XXXX. 
I am attaching other pertinent documents.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX ( {$1300.00} ). An auto insurance account opened at XXXX XXXX XXXX on XXXX XXXX under the account number XXXX, ( {$120.00} ) a Mobile XXXX XXXX account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX. ( {$1600.00} ). 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX have 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 an account without my written instructions.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Inaccuracies for XXXXXXXX XXXX XXXX  Account # XXXX listed below. 
Date of last activity : XXXX reports XXXX XXXX, XXXX. XXXX reports XXXX XXXX, XXXX. Experian reports XXXX XXXX, XXXX XXXX XX/XX/XXXX Days Late : XXXX reports XXXX. XXXX reports XX/XX/XXXX. Experian reports XXXX Payment History : XXXX reports No history available. XXXX reports Youve made 65 % of payments for this account on time. Experian reports Youve made 80 % of payments for this account on time. 

Inaccuracies for XXXXXXXX XXXX  XXXX XXXX Account # XXXX listed below. 
Date of last activity : XXXX reports XXXX XXXX, XXXX. XXXX reports XXXX XXXX, XXXX. Experian reports XXXX XXXX, XXXX XXXX XX/XX/XXXX Days Late : XXXX reports XXXX. XXXX reports XXXX. Experian reports XXXX Payment History : XXXX reports No history available. XXXX reports Youve made 17 % of payments for this account on time. Experian reports Youve made 21 % of payments for this account on time.

These inaccuracies are preventing me from getting a student loan to further my education, and from buying or renting a home.
Product: Credit reporting or other personal consumer reports

I recieving emails from the bureaus rfusing my dispute letters I sending this letters to let know that i'm the one who sent out my letters. Please take time to review and investigate the following account below. i want them delete. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Decreased u fair fico points . Requested increased fico score back
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a fraudulent items that are still reported on my credit file, the fact is, I had already been disputed them. I believe that my consumer rights have been violated, and I am seeking assistance in resolving this matter. I kindly request that you could help me investigate this matter and work with the concerned parties to resolve the issue in a fair and timely manner. I believe that my consumer rights have been violated, and I am seeking a just resolution for these following items to be removed immediately : XXXX XXXX XXXX ; XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$5300.00} ; XXXX XXXX XXXX XXXX XXXX {$1800.00} ; XXXX XXXX Balance : {$950.00} ; ; XXXX XX/XX/year> ; XXXX  XXXX Balance XXXX {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$5300.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX Balance XXXX {$950.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$950.00}.
Product: Mortgage

I asked that my PMI be dropped. I even opened a case with their escalations department. All they are willing to do for me is appraise the house so that I can manually remove PMI. My loan was at 78 % in XX/XX/2018. It should have automatically fell off then. I dont feel like I should have to pay {$450.00} for an appraisal, I feel like they owe me {$450.00} in back PMI payments. 
My account is with Suntrust bank. Loan was for XXXX purchase price. It is at XXXX now. I'm still paying $ XXXX/m for PMI.
Product: Credit reporting or other personal consumer reports

I never received any notice that my insurance increased via my insurance company or mortgage company. Also, I always sent in over payments ( about $ XXXX ) to be applied to my escrow account in case my insurance or taxes increased. XXXX applied my over payment to the principal instead. I only found out my account was 30 days late due to needing information for my taxes ( on the XXXX day ). 

They said ( conversation recorded ) that they sent me messages via the XXXX. My screensaver shows no messages. They said that they left phone messages. My phone history shows no calls from XXXX. They said they emailed me, but also admitted my emails were coming back ( also recorded ). My email address has not changed in about 20 years. So, they inputted the incorrect email. 

I can show they held my {$2700.00} over payment on XXXX ( due by XXXX ), but never notified me of their {$24.00} shortage, or sent the check back. As far as I was aware, my payment went through my bank account 20 days before being late. 

Note : my other mortgage ( XXXX ) notified me of an increase, and I made the necessary changes.
Product: Checking or savings account

On XX/XX/22 we issued a check from our bank ( Huntington Bank ) to XXXX XXXX Bank for payment of a credit card bill in the amount of {$3600.00}. 
On XX/XX/22 we received our next credit card bill from XXXX XXXX and noticed that the old balance was not showing as paid. Upon checking out Huntington account we saw that the check had cleared the bank. The check was endorsed by a different party, not closely resembling XXXX XXXX Bank ( copy attached ) and Huntington had paid the check with funds from our account. The bank obviously paid no attention to the endorsement. 
On XX/XX/22 we brought this issue to the attention of Huntington Bank in person at the local branch. We filled out a " Statement of Fraud '' as provided by the branch ( copy attached ).

It's now been over one week and we have not heard of any progress or status on this issue from Huntington Bank, despite several in person visits to the branch.
Product: Debt collection

The debt collector ( ERC Enhance Recovery Company LLC based in XXXX ) using XXXX phone numbers XXXX has been calling my home phone on daily basis. 

My home number is registered with both XXXX no-call and National no-call list. The caller does n't leave any voice message regarding why " it '' has been calling? I called back to inform them that our phone is on the no-call list please stopping calling otherwise they will be reported. They were also informed that if they have any legitimate debt, please send the debt in a registered mail subject to further discussion and dispute resolution. So far, the scammers keeps calling my home phone without further stating its purpose. I would like them to be put on the Stand! 

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

I received a copy of my credit report and found some serious violations of the FCRA. It is illegal for the original creditor which is XXXX XXXX XXXX XXXX to Re-age a negative account that has been closed for years!!! This Account has been re-aged from the original first last date of delinquency and closed date!!! This account was closed and reopened without any consent or notified to me. This a serious matter and violation of the Fair Credit Reporting Act. I'm not playing with this erroneous errors on my credit report and will not allow you to violate my rights as a consumer. I am also filing a complaint with the Federal Trade Commission. XXXX Account XXXX : XXXX Please delete and remove from my credit report immediately. 

In addition. Every bureau is reporting a different date of last activity for this account. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. Every bureau is reporting a different date of last activity for this account. 
XXXX Account Number : XXXX Please remove it from my credit report. 
4. Every bureau is reporting a different date of last activity for this account. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Bank account or service

My PNC Bank account showed that I had money available in my account and let me make purchases using my debit/credit card. My account was then shown to be negative and I was charged a {$36.00} overdraft fee. I complained and told them they should n't have let my card to continue making purchases if there was no money in my account. I was told that either way I would have gotten a {$36.00} fee.
Product: Mortgage

Consumer Financial Protection Bureau Case # XXXX This is an ongoing case in which I have submitted a letter to First Niagara Bank in response to their letter detailing that the information they provided was not in fact proof of fraud and that actual proof needs to be submitted. I have attached a copy of the letter. 
Please help to get this matter retified. This was originally submitted to the Attorney General 's Office and they submitted it to you. 
Thank you, XXXX XXXX
Product: Debt collection

I received a call from someone who identified herself as XXXX from Capio Partners ( my best attempt at spelling the name ). She said that she represented a collection agency. The creditor was XXXX XXXXXXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) and the date of service was XX/XX/. She said that we owed {$1100.00}. We checked with both the health insurance company and XXXX XXXXXXXX XXXX XXXX The insurance paid the claim and the XXXX XXXX XXXX said that the bill was paid in full. The dollar figure given by the caller did not match any combination of the bill or insurance payment figures. 

XXXX gave me a call back number of XXXX. She also gave me a patient advocate number of XXXX. The number she gave me for XXXX XXXX XXXX was XXXX. I independently checked the number for the alleged creditor. It was not the same. XXXX gave me a client reference number XXXX. She said that the account had not been reported to the credit companies. 

I did not indicate to XXXX that I would make any payments. There was recently a data breach at XXXX XXXX, where the procedure occurred.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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/year>