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

I am writing to express my dissatisfaction with the results of my initial dispute and request for the removal of charge-off accounts from my credit report. Despite my previous efforts and the passage of a reasonable amount of time, these accounts remain on my credit report, negatively impacting my creditworthiness and financial well-being. As a result, I am filing a formal complaint and requesting that the credit reporting agency takes further action to rectify this matter. 

I initially disputed these accounts, providing comprehensive documentation that supports my claim that these accounts were inaccurately reported. Despite my efforts and the legal requirement for accurate and fair credit reporting, these accounts have not been corrected or removed from my credit report. 

I would like to highlight that the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to conduct a reasonable investigation within XXXX  days of receiving a dispute. It is now well beyond this timeframe, and the presence of these charge-off accounts continues to damage my credit standing. Furthermore, I have received no communication from your agency regarding the results of the investigation or any actions taken to resolve the matter. 

In light of the situation, I kindly request that you take the following actions : Conduct a thorough and timely investigation into the accuracy of these charge-off accounts, adhering to the guidelines set forth by the FCRA. 

Provide a detailed response outlining the results of your investigation, including any actions taken to correct the inaccuracies and the expected timeline for resolution. 

Remove the disputed charge-off accounts from my credit report promptly, as required by law, if they are found to be inaccurate or unverifiable. 

Send me a written report of the results of your investigation, a copy of my updated credit report showing the removal of these accounts, and a written explanation for any accounts that were not corrected or removed. I am asking for your assistance to remove these charge off accounts in my credit file : XXXX  XXXX Balance : {$250.00} I will not stand for this level of incompetence from your company. It is absolutely absurd that a charged-off account still has a balance showing on the statement. You will provide a prompt and detailed explanation for this discrepancy otherwise remove this from my credit file. If you fail to do so, I will not hesitate to take legal action against your organization. 

XXXX XXXX XXXX : {$8700.00} I need to dispute charge off accounts that are still being reported on my credit file with still has a balance. This account have been paid off in full, and I request that you investigate and remove the charge off status as it is negatively impacting my credit score. I also request a detailed report of the steps taken to correct the inaccuracies on my credit report.
Product: Vehicle loan or lease

I PURCHASED A NEW 2020 YAMAHA BOAT AND FINANCED IT THROUGH YAHAHA FINANCIAL SERVICES. I ORIGINATED THE LOAN AT THE END OF XXXX AND MY FIRST PAYMENT WAS DUE ON XX/XX/2020, WHICH I MADE ON TIME. SINCE THEN I HAVE BEEN PAYING OVER THE REQUIRED AMOUNT DUE IN ORDER TO REDUCE MY PRINCIPLE BALANCE, OR SO I THOUGHT. THE COMPANY APPARENTLY IS NOT APPLYING OVERAGE OF PAYMENT TO MY PRINCIPLE BALANCE BUT EXTENDING MY PAYMENT DUE DATE OUT. I BORROWED XXXX AND AFTER REVIEWING MY STATEMENTS AND CALLING THEM SEVERAL TIMES TO CORRECT THE SITUATION. IN FACT MAKING A REQUEST TO HAVE ALL MY OVER PAYMENTS APPLIED TO MY PRINCIPLE, THEY HAVE STILL NOT GRANTED MY REQUEST. I HAVE PAID YAMAHA FINANCIAL ALMOST {$6000.00} IN PAYMENTS AND YET MY BILLING STATEMENTS DO NOT REFLECT THAT DIFFERENCE ON MY PRINCIPLE BALANCE. THEY ARE APPARENTLY JUST MOVING MY DUE DATE OUT. THE LAST STATEMENT I RECEIVED IN FACT SHOWS THEM APPLYING ALL OF MY PAYMENT TO INTERREST? I HAVE ATTACHED THOSE STATEMENTS FOR YOUR REVIEW. I ALSO WANT TO ADD THAT FROM THE TIME I STARTED OVERPAYING MY STATEMENTS JUST STOPPED COMING UNTIL THE RECENT ONE IN XXXX. BOTH LAST AND LATEST ARE ATTACHED. YOU CAN CLEARLY SEE MY PRINCIPLE BALANCE HAS NOT BEEN REDUCED BY MUCH, ABOUT XXXX DOLLARS. WITH ALL THAT I HAVE PAID THEM, THIS CAN NOT BE POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,   XXXX   I sent a letter disputing multiple accounts to experian and asking for written verification of account. They responded sending me a letter stating verified without sending me any written proof. I then resent additional letter stating I had not gotten any proof via certified mail and fax also on  XXXX   XXXX . They again resent a letter stating verified and to contact the reporting agencies to dispute myself. They have failed to respond t o two r equests now to research and delete inaccurate accounts on my credit report. These accounts do not belong on my report and I have no written verification they belong to me. In addition, the response to the second letter was dated the day after they received the certified mail. How could you provide any written verification or any legitimate research in one day?     I Followed up with a phone call today  XXXX   XXXX  and they told me the disputes were verified and when I asked about what verification they received, the rep said they do not have to provide consumers any verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Original Creditor- XXXX XXXX Amount of Dispute- XXXX XXXXXXXX Medical- Hospital bill after my XXXX XXXX XXXX- XXXX I have insurance and told them all the information and to go after them ... .they didn't do that and sent me to collections- XXXX XXXX ... I told XXXX XXXX the same thing ... .go after the insurance company- XXXX XXXX XXXX .I don't think this is fair that it is on my credit report ... .I am trying to get a house and this is really hurting my score... Please help... Apartment rent is killing me and the little house I want will be XXXX cheaper in bills per month ... I am XXXX XXXX XXXX and have a XXXX  XXXX ... .Thanks
Product: Credit reporting

In XX/XX/2015 I reported to the credit bureaus ( XXXX and TransUnion ) that I did not authorize XXXX., to run my credit with any banking institution for credit on a new vehicle. I gave XXXX permission to run my credit and I told them if their financial institution could not finance me then I do n't want the vehicle. I was informed by my sales Representative XXXX. that my credit would not be sent to other financial institutions. But I found out later that was a lie, when I pulled my credit report it had four inquiries ( XXXX, XXXX XXXX, XXXX Bank and XXXX ) I did not give permission to run my credit. I wrote XXXX and they did not respond to my request for them to contact the financial institutions and have them to remove those inquiries of my credit report. These inquiries are hurting my credit and me and my husband have put off building a home due to these inquiries. I have given them more than enough time to remove these inquiries and they have not. I am attaching a copy of a signed receipt from XXXX where they did receive my letter to have these banking institutions to remove these inquiries.
Product: Credit card or prepaid card

I have a promotion credit card with XXXX XXXX XXXX XXXX. The promotion is 0 % interest for 36 months. Each month I owe {$91.00}. In XX/XX/XXXX and XX/XX/XXXX I paid my monthly payment by the XX/XX/XXXX of the month. Each time Syncrony Financial charged me a late fee of {$39.00} because I paid too early, according to them. They said that I paid before my statement period ended, which ends on the XX/XX/XXXX. So they applied two payments to one month and then charged me a late fee of {$39.00}. This happened twice. I was able to call on XX/XX/XXXX and they waived the late fees as a " courtesy '', but I hardly think this is a courtesy and I'm worried this courtesy will end. This seems fraudulent to charge consumers a late fee when they are in fact paying their bill early. There are no instructions that say I can't pay before the XX/XX/XXXXof the month.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of XXXX  by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting or other personal consumer reports

XX/XX/2023 I disputed incorrect information on my Equifax report via certified mail. The documents I sent included a legible copy of my valid Indiana Driver License and legible copy of my official social security card. 

Equifax did not complete an investigation and instead sent me a letter dated XX/XX/2023 stating that they need a copy of my driver license and social security card which was already sent. I then called Equifax and they said that I need to resend the information. 

I then re disputed the incorrect information on my Equifax report XX/XX/2023 via certified mail again. The documents I sent included a legible copy of my valid Indiana Driver License and legible copy of my official social security card. 

Equifax did not complete an investigation and instead sent me a letter dated XX/XX/2023 stating that they need a copy of my driver license and social security card which was already sent. 

I then re disputed the incorrect information on my Equifax report XX/XX/2023 via certified mail again. The documents I sent included a legible copy of my valid Indiana Driver License and legible copy of my official social security card. 

Equifax did not complete an investigation and instead sent me a letter dated XX/XX/2023 stating that they need a copy of my driver license and social security card which was already sent. 

I then re disputed the incorrect information on my Equifax report XX/XX/2023 via certified mail again. The documents I sent included a legible copy of my valid Indiana Driver License and legible copy of my official social security card. 

Equifax did not complete an investigation and instead sent me a letter dated XX/XX/2023 stating that they need a copy of my driver license and social security card which was already sent. 

This is absolutely insane and appears to be clear cut violations of 15 USC 1681i ( Fair Credit Reporting Act ) for failure to investigate. 

A VERY basic investigation would prove I sent the required documents MULTIPLE times and Equifax REFUSED to investigate.

15 USC 1681i ( a ) ( 1 ) ( A ) states " ..the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Pursuant to 15 USC 1681i ( a ) ( 1 ) ( A ) ( Fair Credit Reporting Act ) I therefore respectfully request that all items being disputed be deleted from my Equifax Credit report immediately. 
The erroneous accounts are attached in the uploaded documents and include : XXXX. XXXX XXXX {$580.00} XXXX. XXXX XXXX {$390.00} XXXX. XXXX  {$1300.00} XXXX. XXXX XXXX. XXXX {$590.00} XXXX. XXXX XXXX XXXX {$1100.00} XXXX. XXXX XXXX XXXX {$990.00} XXXX. XXXX XXXX {$4100.00}
Product: Mortgage

Attorney XXXX XXXX XXXX filed XX/XX/XXXX on all our documents to Movement Mortage when our closing date was XX/XX/XXXX. Escrow storage on our property started in XX/XX/XXXX. Attempt several calls to the reached attorney to explain why Movement Mortage has a homeowner account dated XX/XX/XXXX. On our closing date, we sign documents dated XX/XX/XXXX, I didn't question it because he was representing us.
Product: Checking or savings account

With no warning, Chase bank stole {$12.00} from my account under the guise of " service fees ''. I have never paid a service fee before. When I called to complain, they said they could not do anything and that I didn't meet the requirements to waive their fee. They also refused to close my account or transfer the call to someone higher up who could help. It is completely unacceptable for a bank to steal money from someone because they are poor.
Product: Credit reporting or other personal consumer reports

In accordance to the fair credit report act this creditor ( XXXX XXXX ) has violated my rights under 15usc 1681 section 602 states tha I have a right to privacy. 15usc 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 15usc 1666b states that a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.
Product: Mortgage

I get a modification loan 3 years ago, and because of my low income the mortgage monthly payment was established and signed by Bayview Loan Servicing in $ XXXX From XXXX to XX/XX/XXXXto present i have been receiving letters of intimidation from Bayview ( available upon request ) saying i had to pay them between {$5000.00} and {$6000.00} the amounts varied ; Bayview also put the whole value of the house in my credit {$31.00} making my credit notably lower. All is wrong information as I never failed in paying my mortgage payment. On XX/XX/XXXXBayview sent me a letter saying my Condominium had failed in presenting proof of hazard insurance. Innumerable letters to the Condo asking for that proof were never answered but finally and after uncountable emails to Bayview I received a letter from them dated XX/XX/XXXX here included saying " the lender placed insurance we purchased for your property is cancelled effective XX/XX/XXXX ''. But on XXXX XXXX I received a mail from Bayview saying " we do not have proof of coverage from XX/XX/XXXX-XX/XX/XXXX. If you are able to provide a copy, we will be able to cancel the lender placed insurance that is effective for this time frame. The condo will not provide a copy directly to me. Next thing is Bayview has returned my current XXXX payment without a letter or explanation. In their website my acct shows i have to pay {$260.00} a month, that 's wrong, and is not the established modification amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score goes down while i pay All my bills on time.
Product: Credit reporting or other personal consumer reports

I have disputed negative inaccurate debt collection information on my XXXX consumer credit report that was reported inaccurately or accounts that doesn't belong to me from third party collections agency or lawyers several times I have also provided documentation supporting my statements and XXXX has deliberately spoken to me in a hostile manner and continued to respond with nothing but an investigation result statement stating only that upon the investigation these accounts belong to you they refuse to provide original documentation proving the disputed accounts in fact belong to me after refusing to provide original documentation, contracts and signatures and source of investigations, XXXX has continued to report inaccurate information /accounts that do not belong to me addresses and names that are not mine this unfair reporting has caused detrimental damage to my character my ability to apply for a place to live, credit, insurance or any type of home loans. It seems that after the last disputes XXXX has deliberately reported any and every thing that is negative inaccurate or derogatory, that I have disputed that should've been removed according to the FCRA Acts all inaccurate missed spelled names inaccurate address derogatory inaccurate accounts, accounts opened without my authorization or knowledge to LexisNexis and or XXXX and all other credit reporting agencies inquiring about my credit worthiness and also closed accounts and all unauthorized hard inquiries. I am also a victim of identity theft and I have provided a police report that they have ignored. At this point I have no idea what to do as I am about to be homeless and I currently can't get any auto insurance with out paying 3 times the price I currently can't get any credit without paying very high interest rates like 22 % I have never been able to become a home owner or get approved for a loan due to the false unfair reporting that XXXX is deliberately reporting and or also the theft of my identity. I also have never in my life been able to get my score passed XXXX its in possible with the ill will behavior and deliberate actions of XXXX.
Product: Checking or savings account

I deposited {$50000.00} in a saving account on XX/XX/XXXX. It took XXXX business days before I could access this money. Then I find out they put extremely low transaction limitations on my account. 
Mobile Deposits : Daily {$750.00} and Weekly {$1500.00} Sending Money : Daily {$1000.00} and 30 day {$3000.00} These low limits don't work for me so I decided to cancel the account. When I cancelled the account, an interest deposit for {$100.00} was placed in my account and them immediately removed. I also received a paper statement showing interest earned this period of {$100.00}. 
I've contact US Bank on XX/XX/XXXX regarding the interest and they were unable to explain why it doesn't show. I called US Bank on XX/XX/XXXX same result and was told this would be escalated to their Customer Car Unit. I was suppose to receive a communication within 24 hours. Two days later on XX/XX/XXXX I contact US Bank again. Same result, unable to help and suggested I see if anything happens. Communicated that isn't acceptable and said I would be contacting banking regulators to file a complaint.
Product: Credit card

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 
4. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report.
Product: Credit card or prepaid card

I have a Bank of America Premium Rewards credit card. Last year I received reimbursement for airline incidentals. I charged baggage fees this year using that credit card. When I received my May 2023 statement after using the card to make the charges, I did not see any credit issued. I contacted a representative at the bank who told me that reward isn't available. I then contacted my financial planner at Merrill Lynch. I spoke with the liaison to Bank of America. She told me that the card still had a {$200.00} annual credit towards airline incidentals. I then asked her why I did not receive the credit. On XX/XX/2023 she informed me that the airlines I flew on ( XXXX XXXX and XXXX XXXX ) were not participating airlines. I was never told that all certain airlines qualified for the incidentals credit. Had I known that I would have purchase a fare that included a checked bag which overall would have been less costly than purchase the basic economy fare and then paying extra for a checked bag.
Product: Debt collection

After first reviewing my credit report in XXXX of 2015, I noticed a " delinquent '' statement for TSI/XXXX. I was unsure of what it could be as I was never notified of any past due bills via mail, telephone, courier, etc. I had never known of any past due balances, let alone any past due balances to a company name TSI/XXXX. It was not until I investigated further with a credit report that it was in fact a medical provider " Shadow Emergency Physicians '' that claimed that I had a balance and they sent the balance to Transworld Systems Inc . Neither XXXX or Transworld Systems Inc. have EVER made contact with me or any attempts to collect debt ( to this day, XXXX XXXX, 2015 ). This claim has played an extremely negative effect on my credit score and, as a young adult, I require assistance in disputing and resolving this issue as promptly as possible.
Product: Credit reporting or other personal consumer reports

In XXXX, XXXX, XXXX, and XXXX, I discovered XXXX, XXXX XXXX, XXXX, XXXX XXXX, etc. breached my trust selling personal, sensitive, and credit information to foreign entities damaging my credit history. 15 US Code 1681 2 2 ( A ) mention companies violate laws reporting information to consumer reporting agencies. I read a person shall not offer any information to any consumer reporting agency if the person knows, or has reasonable cause to believe, the information is inaccurate because that is a violation of privacy. 15 US Code 1681 B 2 ( a ) states, no entity can list information in my consumer report without my written permission. US Code 1028 ( a ) reports information offered without my written permission is identity theft and listing inaccurate and personal information is illegal and must be removed at once due to non-validity. I presume that no proof of the alleged debts exist. It is unfair agencies write off debts decreasing their tax burden when unfairly increasing mine. 

Identity thieves exploited a security weakness on credit reporting websites. XXXX et al requires that those seeking a copy of their credit report successfully answer several multiple-choice questions about their financial history. But until the end of XXXX, XXXX website allowed anyone to bypass these questions and go straight to the consumers report. All that was needed was a name, address, birthday, and Social Security number. Agencies used my Social Security number, as well as other information for fraudulent purposes. 15 USC 1681 mentions agencies reported inaccurate information on my credit report. Agencies willfully failed to delete my disputed information damaging my credit score. Said information is not valid proof for a reasonable determination complying with FCRA.
Product: Mortgage

we tried make to an arragment with the financing company because we are loose income the property has devaluated by appraisel and the company do make any think for refinance thed loan. We are XXXX by ssa and my wife too.The payment of the property is too espencive an d we do not pay for that reason.
Product: Credit card

In 2020 when trying to purchase my house I found out that I was put on a credit card as an authorized user without my consent. I sent an hand written letter to capital one explaining what was going on. So in the meantime I was allowed to purchase my home thinking that this situation was solved but come find out earlier this year in XXXX I found out that I was still an authorized user..Never had a card or even made any purchases through this company. When I finally found out who added me he died a week later, making me responsible for the amount thats over {$6000.00} Ive repeatedly calling capital one and IRS explaining to them whats going on but theyre basically telling me that Im responsible.
Product: Debt collection

First Source Advantage LLC ( XXXX XXXX XXXXwww.firstsourceadvantage.com ) is claiming I have a debt with a company called XXXX; but it's not true ; unless I'm the victim of identity theft which is not likely since my credit has been frozen for several years. They want me to confirm personal information but I don't believe their is an existing debt on my part. To the best of my knowledge there is nothing to be resolved on my end.