23daVinci/CFPB_Complaints huggingface dataset:
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 Date Opened : XX/XX/XXXX Balance Owed : {$740000.00} - Remove late only CAPITAL XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} New lates XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$33000.00} - Chargeoff- XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$16000.00} -late/closed XXXXXXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$14000.00} -late/closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$34000.00} - Chargeoff XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$210.00} -late/closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Chargeoff
Product: Debt collection

I received the first notification by the Sunbit company of the past due payments of a purchase I have not made in the middle of XXXX. I thought is was a scam. I received another notice in the middle of XXXX at which time I attempted to contact Sunbit via the phone number on the letter but only received a recorded message ( offering a product ). 
I was notified by XXXX that I had a negative response reported by XXXX. 
A new acct was opened in my name with XXXX/Sunbit for the amt of {$1000.00} to be repayed in monthly installments and a different number was listed. I contacted Sunbit to tell them that is was not my debt and request a copy of the original purchase. They were unable to supply it but gave me the name ot the company that the acct was for ( XXXX XXXX ) and the date the acct was opened ( XX/XX/23 ). The acct was opened in my name with a new email and phone. 
I filed a dispute re : an inaccurate new account on XX/XX/23 with XXXX which they notified me today XX/XX/23 that they have verified the account as accurate. 
I placed a security freeze and a fraud alert with XXXX, XXXX, and XXXX today XX/XX/23. 
I attempted to file a complaint with FTC but was directed to CFPB for this type of complaint ( credit reports and debt collection ). 
After Documenting this report I am instucted to file a report with my local police dept. 
I will do that today.
Product: Debt collection

In accordance with the Fair Credit Reporting Act, First Progress has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 ( a ) : It also states a consumer reporting agency can not furnish a account wthout my written instructions.

15 U.S.C 166b A. Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

I am not liable for this debt with First Progress. I do not have a contract with First Progress, they did not provide me with the original contract I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts that are part of my identity theft case showing on my credit report
Product: Checking or savings account

On XXXX XX/XX/2019, my credit card was declined. I called USAA, my financial institution, with which I have just over {$23000.00} in accounts. I was informed by a customer service member on the phone that my credit card was closed on XXXX XX/XX/2019 and that all of my deposit accounts would also close within 30 days. She stated there were five reasons for these decisions 1 ) Fraud 2 ) Identity Theft 3 ) Legal Action 4 ) Aggressive or abusive behavior 5 ) Continuous banking issues. I explained that I had none of these, and she agreed she could find no reason on my account. After 1.5 hours I was told they would elevate this to the office of the CEO, and I would hear back in two days. I waited until the end of the business day on XXXX XX/XX/XXXX and called USAA back. I was transferred to the office of the CEO and spoke with a gentlemen who explained that he would open an investigation and I would hear something in 24-48 hours. On the morning of XXXX XX/XX/2019 I received an email from USAA with the name of the individual who would be handling my investigation, and it stated I would hear from her within two business days. I had not heard anything by XXXX XX/XX/2019, so I called back and left a message with this individual. On morning of XXXX XX/XX/2019, I still had not heard anything so I called and left a second message. By the afternoon of XXXX XXXX I called back and was informed that the individual I needed to reach was in a meeting, and an official correspondence would be created for her to reach out to me. On XXXX XX/XX/2019 I came home to a letter in the mail dated XXXX XX/XX/2019 from USAA telling me that they had exercised their right to close my account without reason and that it would be their final reply on the matter. This creates undue hardship for an upstanding military member with good credit, and none of the five disqualifying factors. I have received no explanation, and am now forced to correct their error by finding a new place for all of my accounts. Additionally, they closed my longest line of credit with them which in turn hurts my credit.
Product: Credit reporting or other personal consumer reports

On XX/XX/2021 a XXXX XXXX  with a balance of {$860.00} was reported on my credit report. The current status is Account Charged Off.
Product: Checking or savings account

This complaint is about my safety deposit box held at Chase Bank in XXXX XXXX, IL. Several years ago I was given this safety deposit box for free, which I have been utilizing all these years. 

However, on XX/XX/2022 I received a paper letter from Chase Bank saying that they will withdraw {$50.00} from my Checking Account as an annual fee for the safety deposit service. On the letter a phone number was provided where I could call to understand why I was being charged the {$50.00} fee. 

When I called up this number the system took me through various automated messages giving options which were not relevant to my problem. It did not provide any explicit option to talk to a customer service representative. 

I tried pressing " 0 '' and that's how I got to the point where talking to a human appeared possible but I soon got the message saying " THEY ARE NOT ABLE TO TALK TO ME AT THIS TIME AND I SHOULD CALL LATER ''. They did not provide any other options such as leaving a message, waiting in the queue or leave a call back number. I kept trying for half an hour and finally gave up. My complaints are as follows : 1 ) Chase has not spent enough resources to serve their customers. They provide big XXXX bonuses to their top employees but when it comes to investing resources to serve their customers and communities they shy away from it. 

2 ) I understand that a particular customer service center may be busy at a given time. But Chase could at least create features within their customer service system that would allow customers to leave messages or navigate to the right option in an easy manner. 

3 ) One would expect a bank of Chase 's size and might to be proactive about addressing these considerations. Given that they haven't done so suggests very clearly that they are deliberately discouraging customers from contacting them. 

Thank you for your patience in reading through my complaint. I hope to get a speedy resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed late payments that are showing on my XXXX account at Transunion. I have late payments from XXXX, XXXX and XXXX. I informed them that payments are not late and are not required due to Federal Gov't Covid policy, payments are still not due until later this year XXXX. Transunion stated that they researched and kept the information as being correct, and added a remark " Dispute resolved, customer disagrees ''.
Product: Checking or savings account

I Had An AcH Account And A Personal Checking Account As Well With Bank Of America, The Location In Question Is ; XXXX XXXX XXXX, XXXX PA XXXX. The Employees, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I FILED A POLICE REPORT AFTER I HAD BEEN TO THE XXXX XXXX XXXXXXXX FIVE TIMES WITH MISSING MONEY FROM MY ACCOUNT IN QUESTION. PLUS MY CARD WAS LOCKED SWVERAL TIMEA UNAUTHORIZED AND FOR NO VALID REASON ( S ). THEY REFUSED TO ASS IST ME SO I HAD TO PAY FOR A RIDE TO GO TO ANOTHER LOCATION THAT STAFF ON THE PREMISES. SO AFTER that 6 Tume I Had Already Asked Bank Of America Fir Their Investigations Department Several Times. FINALLY A NEW CARD WAS ISSUED TO ME AND BLOCKED I WENT TO TWO BANKING LOCATIONS THAT DAY. SO I HAD TO ALSO GO BACK TO XXXX XXXX. I CALLED THE POLICE SOWN THERE. THEY LIED TO THE POLICE TRYING TO HOLD NY MONEY SAYING THEY WERE GOUNG TO SEND IT TO ME.i Had Over {$13000.00} From XXXX XXXX XXXX XXXX They Me A Cashiers Check For {$580.00}. Who's Going To Recover My Money.???
Product: Credit reporting, credit repair services, or other personal consumer reports

Two months ago I received an alert saying I had accounts behind. So I disputed the accounts and called the company showing up on my credit report. They stated to me twice that I do not owe them money. 

Ive disputed these 4 accounts twice and been told by the company who they say I owe twice that they have no record of my name, social or address or birthday. 

Makes no sense why this is showing up on my credit report two months later. 

I have no documentation of the accounts nor have I received any phone calls or mail from XXXX  company other than myself calling them to ask if I owe and they tell me I do not owe them a dime. Even asked for paper documentation but was denied it by XXXX  due to them Having no record of myself.
Product: Credit reporting

Contacted Experian regarding several inquiries ( XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ) that were on my credit report, those of which I did not sign nor have I ever had a contract with these creditors for their services or their products.
Product: Credit reporting or other personal consumer reports

I'm writing this letter to inform you I have found negativity on my credit report. This is fraudulent account and I have no legal binding contract with this company. XXXX XXXX XXXX
Product: Debt collection

I been living out of the country for over 6 years, and to my surprise as I have return home I see a debt that does not belong to me. I have not opened an account or request any credit in 6 years. I also have written the company and zero response. I am shocked because I have alerts and a phone number they are not suppose to open or extend any credit with out my Authorization, It states it on my credit report to call I want this account removed. Its not mine and I never signed or Authorized or even went into any place for this account.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I hope this message finds you well. I've discovered that the information provided above doesn't accurately reflect the status of my accounts. After reaching out to the banks, they confirmed a software glitch caused improper reporting. They assured me it's fixed, and the accounts should show no late payments. XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} and DEPT OF ED/XXXX XXXX Date Opened : XXXX XXXX XXXXXX/XX/XXXX Balance : {$2300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've never had a missed payment with CapitalOne credit card. I do my very best to stay on top of my payments and it says on my credit report that I have 1 missed payment 30 days late listed for on XX/XX/2017. This account was on automatic payments so there is no way there would be late. I called CapitalOne and they looked into it. They said they could change it but they can't remove it because " their system wont let them ''. I've been working very hard on my credit and have been a faithful customer of CapitalOne for years. I don't understand how they cant remove that when it was their doing. I really like doing business with CapitalOne but I also really like to have a good credit score and this is impacting my score and I would like it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX, XXXX, XXXX, has violated my rights. 
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 
And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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
Product: Debt collection

I keep getting bills from Lockhart , Morris & Montgomery , Inc and XXXX XXXX XXXX. 

I received a letter, I called and they have info on the account number they provided on the letter. No one can tell me what services were provided. What I am being charged for. 
I requested a copy of the bill and services provided, I was told they would have to request those doc 's and then tried to pressure me into paying {$470.00}. 

I need help .... I do not know why they are billing me and adding this to my credit bureau report. 

Please help!!!! 

XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl. XXXX
Product: Mortgage

I secured a conventional 30 year fixed mortgage for my Mother in XXXX XXXX for {$90000.00} ( less than XXXX the appraised value ) on her home here on XXXX XXXX, MI to help pay for my brother 's XXXX treatment. The mortgage was transferred to XXXX within one month and remained with them until this past XXXX XXXX when it was tranferred again to and new servicing company Specialized Loan Servicing ( SLS ). This is when the problems started. The notice of transfer was received by me on or around XXXX XXXX, XXXX XXXX weeks after the last payment was made to XXXX on the first of XXXX XXXX for the original monthly amount of {$680.00}, which included escrow amount for property taxes and hazard insurance. On or around the same time ( XXXX XXXX ) I also received a payment statement from SLS for the next payment due XXXX XXXX, XXXX, however the statement showed an additional {$30.00} late fee for a payment that was n't due for another two weeks. I contacted SLS by phone, but he representative said he could not talk to me because I was not the original borrower. However, I had been authorized by XXXX seven months prior ( XXXX XXXX ), because my Mother passed XXXX XXXX, XXXX and as sole heir I was appointed Personal Representative of my Mother 's estate by XXXX County Probate Court o in XXXX XXXX. Thus I resubmitted my Mother 's Death Certificate and relevant court documents to the new mortgage servicing company SLS. This took place in mid XXXX XXXX, but I never received a response regarding the {$30.00} late fee. 
Then my payment went up to $ XXXX/month and XX/XX/XXXX/XX/XX/XXXX I was notified that my monthly payment ( on my 30 year fixed rate mortgage ) was being increased by a $ XXXX month to accommodate and $ XXXX deficiency in my escrow account. When I called to inquiry I was not given any explanation because the customer service agent was not privy to any information and did not connect me with someone qualified to answer my inquiry. I double checked the Premium for the Hazard Insurance which had not increased and then I checked the local township clerk 's office for the current property tax amounts, which had actually gone down by over {$200.00} annually starting XX/XX/XXXX. I have not had a good feeling about this company since they acquired the mortgage particularly when I searched you site and found a lengthy list of complaints against SLS by individuals whose mortgages were being serviced by them. Because I have not seen any documented disciplinary actions by any regulatory agency I am also submitting this filling and supporting documentation ( including time stamped emails and faxed comumincations with SLS regarding these concerns ) with both State Attorney General 's Offices in Michigan and Georgia, the Federal Attorney General 's Office, and the FTC ) I also have the intention of submitting this to printed media ( i.e. XXXX ) and digital media ( i.e. XXXX, XXXX, XXXX, XXXX, and other pertinant blogs ) I
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted EQUIFAX & XXXX multiple times regarding items on my credit report ( bankruptcy ) that does not belong to me. They claim that they verified the information with a third party and confirmed it belongs to me. I contacted the court in person and was told that they don't provide any information to a third party and there was no record of any inquiries from the credit bureaus concerning me. It's almost like anyone can randomly call the credit bureaus or send them a file about a person and they don't verify but just add the information to the credit file. The court provided me with a letter stating the facts. I provided the letter to Equifax/XXXX and they reinvestigated. They now claim that the information was confirmed by the third party again. I even contacted the third party again ( XXXX ) and was told that no one had verified verify with them.
Product: Vehicle loan or lease

Contacted Honda financial services several times over 1 month to fill out a power of attorney form or the form I will attach. I need to have permission to register the car in XXXX since I have moved. I need to get car tags for XXXX and have to return my XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was advised by a transunion and XXXX rep to fill out this report because of unauthorized inquiries in my report, please remove all these fraudulent unauthorized inquiries on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>, XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, Please remove all the fraudulent unauthorized inquiries on my credit report. Thank you for your help, this is hurting my credit and reporting false information to future creditors.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting a collection for XXXX XXXX. I have never done business with either entity. The creditor or collection agency does not have the authority, permission, or consent of the surety to be in contact with the alleged principal debtor XXXX XXXX. There is no evidence to the contrary. 

They also do not have my written consent or instruction to furnish any sort of data or information to any consumer report as I have no relationship, connection, or marriage with either XXXX XXXX XXXX or XXXX XXXX. 

Any and all consent to XXXX, Experian, XXXX, XXXX XXXX, XXXX XXXX XXXX whether written, verbal, non-verbal, or otherwise is now revoked. 

Any possession of a signature belonging to XXXX XXXX unlawfully in their possession is also rescinded, effective immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX Experian XXXX Account # : XXXX XXXX XXXX Bureau Code : Individual Individual Individual Account Status : Open Open Open
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX # XXXX that is currently reporting to my credit report is is holding up the process of me buying a new home. The account is FRAUDULENT and UNAUTHORIZED. XXXX XXXX XXXX XXXX # XXXX filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA XXXX. demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.