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

REF. XXXX  Card Number XXXX Dear Sir or Madam : In early XX/XX/XXXX, I reached out to XXXX XXXX XXXX by phone to address some mistakes/concerns in my credit report. 

The report showed 3 late payments : XX/XX/2015 30 days XX/XX/2015 60 days XX/XX/2015 30 days The responsibility for these late payments are entirely on XXXX XXXX XXXX. 

At that time, I paid my XXXX bill on line through their website. In XX/XX/2015 the XXXX website managed by XXXX XXXX XXXX locked me out and prevented me from paying my bill. I could login, see my bill but could take no action. 

I made constant and repeatedly frustrating attempts to speak to their customer service department and resolve the issues and pay my bill, all without success. 
It wasn't until a customer services rep called me to ask about payment that I was able to get the situation resolved, at this point the bill was 60 days late. 

The bill was immediately paid, I was driving at the time and pulled of the highway to deal with the call, the rep got my web account fixed AND we set up an automatic reoccurring minimum payment to prevent any future late payments. 

Unfortunately, the automatic reoccurring minimum payment only worked for 2 months and then failed. I received another call from a customer service rep after the XX/XX/2015 payment went late, which I was unaware of, after all it had worked for the previous 2 months. 

I immediately paid the outstanding bill, and the Customer service rep found the account notes and fixed automatic reoccurring minimum payment issue. There has not been a late payment since then.
Product: Credit card

A credit card was opened at CHIMEFIN/XXXX XXXX without my knowledge on XX/XX/year>. I can see it reported on my XXXX credit report. I don't know what is the amount on the card but it says " High Credit : {$1500.00} '' on my credit report. I have never in my life applied for a credit card with this company.
Product: Credit reporting

The credit agencies all removed the majority of the fraudulent inquiries and accounts. I placed a freeze on my credit report, filed a report with the FTC, filed disputes and most things were removed with the exception of these last few inquiries, which are dropping my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to XXXX XXXX XXXX, there is a {$100.00} bill from XXXX. This is not accurate. My bill with XXXX was paid in full in XXXX 2012, when I moved from XXXX to XXXX. <P/>This continues to show on two of the credit reporting companies. Euqifax and XXXX. XXXX  removed it from my file at my request. <P/>I do not have payment information that goes back to 2012 as XXXX is requesting. <P/>Why does one drit reporting agency remove this from my file and the other two do not. Why is the burden of proof not on XXXX XXXX XXXX. <P/>I just switched from XXXX to XXXX for my cell service. Do you think XXXX would have allowed that if I owed them money? <P/>Please get this fake debt to go away.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax security breach XXXX 2017. I was affected and now my personal information may have been stolen and used against me. Equifax needs to be held responsible for this egregious failure.
Product: Checking or savings account

I've been getting repeated charges from XXXX XXXX for XXXX monthly. I first realized this over the summer and submitted a fraud claim to Bank of America. they stated they would look into this and would give me a temporary reversal. In XX/XX/XXXX/XX/XX/2018 they said that they were reversing the claim due to the fact that I check my bank account hundreds of times during the 3-4 months and that there's no way that I didn't know about it. I told them that I don't check my bank account even weekly and never have so that is very suspicious behavior. They refuse to give me back the credit and block the company from charging me, currently I am getting 2 charges a month that can not be blocked, most recently today and now my account is in danger of overdraft fees that are a result of unauthorized transactions. The bank refuses to allow me to close the bank account as they claim that once the account is close they can not refund the money to me.
Product: Credit reporting or other personal consumer reports

Beginning XX/XX/XXXX Experian shared information about my credit report to the XXXX XXXX XXXX that was not supposed to be shared. It was regarding an account I disputed and had removed off my credit report. While spending months requesting credit reports from the XXXX major credit bureaus I found no mention of said account on any of their reports given to me. So on XX/XX/XXXX I contacted Experian to see if I could get information regarding my dispute and as to why it was reported to my recruiters. During the call the agent on the phone could see the dispute and see that it was removed so I thanked her and the call ended. On XX/XX/XXXX I called Experian again and requested the same information and some proof that I had disputed the account in the first place. The agent on the phone insisted they could not see any record of the dispute or send me any proof despite my previous call on XX/XX/XXXX proving otherwise. After numerous transfers I was finally transferred to a management agent named XXXX XXXX XXXX XXXX who said he was in charge of the dispute department and he repeated the same information as all the previous agents. My complaint is that I am not able to receive information or proof of my dispute despite an agent speaking to me about said dispute on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX  AND EXPERIAN HAS ACCOUNTS ON MY CREDIT REPORT THAT ARE INACCURATE/NOT MINE FRAUD. 

XXXX XXXX XXXX-NOT MINE, XXXX XXXX XXXX-NOT MINE, XXXX XXXX XXXX-NOT MINE, XXXX XXXX-NOT MINE, XXXX XXXX  XXXX XXXX XXXX-NOT MINE, XXXX XXXX XXXX-NOT MINE, ADDRESSES : XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX-NOT MINE, XXXX  XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE, XXXX XXXX XXXX  XXXX  XXXX, FL XXXX-NOT MINE, XXXX XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE, ACCOUNTS : XXXX XXXX XXXX S-XXXX-NOT MINE, XXXX XXXX  XXXX-XXXX  -NOT MINE, XXXX XXXX  XXXX   XXXX-XXXX  -NOT MINE, XXXX XXXX XXXX XXXX  XXXX-XXXX-NOT MINE, XXXX  XXXX  XXXX-XXXX-NOT MINE, XXXX  XXXX   XXXX-XXXX-NOT MINE, XXXX  XXXX XXXX-XXXX-NOT MINE, XXXX XXXX/XXXX  XXXX-XXXX-NOT MINE, XXXX/XXXX-XXXX-NOT MINE, XXXX  XXXX-XXXX-NOT MINE, XXXX XXXX-XXXX-NOT MINE, XXXX/XXXX   XXXX-XXXX-NOT MINE,
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/XX/2017 I contacted the Transunion credit bureau, about some inquires on my credit report that I did not authorize. They would not help me, they gave me the run around, and would not give me any solution to these unauthorized inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters XX/XX/2021 calling equifax, XXXX and XXXX out because of the outstanding violation and unknown items that happened on my credit report. Over 30 days have passed and i still have not received any response. I feel like i am being ignored of my disputes. Section 611 ( a ) states failure to investigate these items within 30 days gives immediately reason to delete all these items from my credit report. Because my dispute was sent more than 30days, they should delete promptly. I demand those accounts to be deleted as soon as possible or i will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach that happened and my information may have gotten in the wrong hands.
Product: Credit reporting or other personal consumer reports

Under the FCRA, I can seek statutory damages if a creditor furnishes inaccurate information about a debt, such as incorrectly reporting a charge-off while still claiming you owe the debt.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This letter is a formal Complaint under FEDERAL FAIR CREDIT REPORTING ACT ( FCRA ), 15 USC Sec.

1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. Sec 1681s-2, that the Credit Reporting Agency could be reporting Unauthorized and Fraudulent Credit Inquiries by these Original Creditors on my credit report and is a violation of the Fair Credit Reporting Act Section 604 ( a ) ,604 ( b ), 604 ( c ), 609, and 623 ( a ) ( 6 ) ( 8 ) and Fair Credit Billing Act, and Title 15 U.S.C. section 1681b ( a ), 1681b ( b ), 1681b ( c ), All data on My Credit Report must be 100 % ACCURATE, 100 % VERIFIABLE, and 100 % TIMELY, or By Law can not be on My Credit Report. PERIOD, per Sec 623 ( b ) ( 1 ) ( E ).

I recently reviewed my credit report and found unauthorized inquiries.

I contacted the below creditors, and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal, I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

Inquiries are not a matter of record when I never gave these companies access to My credit file!!

According to Section 604 of Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

( F ) otherwise has a legitimate business need for the information i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting shall- ( i ) promptly delete. 

The following inquiries are unauthorized.
Product: Mortgage

I first started a refinance with PennyMac on XX/XX/2020, hoping the loan would close before year 's end when I could reap the benefits of a lower interest rate and claim points on taxes. 

Delay after delay and error after error have made the process drag on to the point where almost 4 months later, the loan has not closed and I'm worried it never will at a time where interest rates are increasing. 

I have an 800+ credit score, delivered every piece of information and signed document they asked for, usually within hours, but never more than a day, yet they have : 1. Failed to communicate promptly after several emails and phone calls ( sometimes taking over a week to get back to me ).

2. Cancelled a necessary home appraisal ( after I paid for it ), before telling me it was actually required again and they needed to delay closing because of the mistake.

3. Done a hard pull of my credit report twice because it's taken so long, impacting my credit.

4. Made me reschedule closing 3 times and counting after repeated mistakes.

5. Tried to require I bring something like {$18000.00} in cash to close to cover taxes that had already been paid ( though they corrected this after several follow-ups to document that it wasn't needed ). 
6. Kept stringing me along saying the process was almost over, preventing me from using an alternate lender when rates were still low.

Not closing the loan has already made me pay several months of higher mortgage payments and interest and contributed a huge deal of stress during an already hugely stressful time. 

If the loan doesn't close, it will cost me $ XXXX or $ XXXX of thousands in damages over the life of the loan they promised to provide, and I'm hugely worried at this point.
Product: Debt collection

I receive a call every morning at XXXX Monday thru Friday from a company listed as Convergent resources by my caller ID and shows the number calling to be XXXX. The call is a Robocall that does not identify themselves and says that this is a Debt collection and I owe a debt ( which they do not provide information as to what debt I owe ) and then provides a different contact phone number to call back with.
Product: Debt collection

This debt was paid in full. Please remove it from all of my credit reports.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation I realized that my personal information was exposed in several different data breaches as well. I have no recollection of applying for any of the accounts in question and they are negatively impacting my credit severely. Per section XXXX XXXX XXXX XXXX, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days. 

These fraudulent accounts are not only damaging my credit, but they are also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent any further damage to my financial well-being.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer report there is a host of information that does not belong to me, nor ever initiated by myself.
Product: Credit reporting or other personal consumer reports

I am writing to dispute late payments listed on my credit report. Under the provision of 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act, I am formally requesting validation of the debt associated with these late payments.

I believe that these late payments have been reported in error, and I request a thorough investigation and verification of the debt. If the debt can not be verified, I demand that the associated late payments be removed from my credit report immediately.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non- compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company.
Product: Credit reporting or other personal consumer reports

XXXX HAD allowed Ctedit Companies to run my credit Report Causing a Hard Inquirie and affecting my credit report and And they also are a Company who I had send my Legal Documents and proof arguing for the OPORTUN account with inaccurate information contained within my personal information contained, it's wrong, name, address, they only have XXXX XXXX, they are not providing any other identification or job, or any other sources of proof to identify my self as a responsible owner of the account.! 


XXXX AND EQUIFAX ARE ILigaly Using their power to mess up the POOR PEOLPLE LIKE ME... Trying to make a decent life and wrongful acting as a XXXX, helping a Credit Company they get benefits daily, promoting their credit cards and getting commission, I get credit offers by 26 % or 36 % for credit or a loan. Just a sample I a get a card loan at a rate of 16 % for the amount of {$13000.00} dollars monthly the Loan company will get about {$240.00} on interest for a person like trying to build my credit after been " mess his identify '' so on that loan XXXX XXXX will get a percentage, for XXXX is no good to verify and fix the wrong information. 

Please CONSUMER FINANCIAL PROTECTION BAREAU REVIEW THE DOCUMENT. I JUST DONT UNDERSTAND IF " EQUIFAX XXXX WITH the same Documents I provided to, XXXX, XXXX and EQUIFAX XXXX .only EQUIFAX HAD FIX THE INACCURATE INFORMATION AGAINS ME. 

Equifax, XXXX, and XXXX had even allowed car dealership companies to run my credit 2 times a day. It's Terrible seem this companies allowing This kind of inappropriate, inaccurate information.
Product: Mortgage

TD bank has harassed and discriminated against me as as a mortgagee. I have {$170000.00} 30 year 5.125 mortgage loan with TD Bank. The loan amount was $ XXXX/mo. The mortgage balance as of XX/XX/XXXX is {$150000.00}. On XX/XX/XXXX TD Bank cancelled the escrow account. The escrow account balance was overpaid in the amount of {$550.00} by the mortgagee as of XX/XX/XXXX and is still overpaid by {$550.00}. All Real estate taxes and Home owners insurance have been paid in full by mortgagee XXXX XXXX since XX/XX/XXXX. 

Each month the mortgagee paid the mortgage timely and correctly. The mortgage amount is XXXX/mo. The {$1000.00} has been paid and received by TD Bank. {$51000.00} has been paid to TD Bank since XX/XX/XXXX. 

TD Bank list the escrow account currently as overpaid by {$550.00}. ( document Attached ) TD Bank incorrectly made the escrow overpayment by the mortgagee an amount owed. TD bank wrongfully list the monthly mortgage amount as {$1100.00}. Mr. XXXX has obtained a letter from TD Bank listing the overpayment by Mr. XXXX of {$550.00} ( document attached ). All payments have been listed as late due to the error by TD Bank! XXXX XXXX TD banks attorney, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX all have been contacted and written concerning this matter ( TD Banks Officer 's and staff ). The same information and more have been provided. 

TD Bank list a past due amount of {$53000.00} as of XX/XX/XXXX. Late fee of {$54.00} X 44= XXXX. 

XXXX XXXX has filed two complaints with the credit agencies. TD bank changed the amount from {$1100.00} reported to the agencies to {$1000.00} for some months but did not correct the entire situation. TD bank started with the incorrect amount of {$2100.00} on the credit report for XX/XX/XXXX. Did not list any amounts received! Then TD Bank applied a default amount with the credit agencies in an attempt to get back to the same number they started with. 

TD bank has discriminated against me. The escrow account was eliminated and was overpaid at the date of the termination. TD bank owes me {$550.00} for the overpayment of the escrow account. TD Bank has charged unwarranted late fees and other fees. No mortgage payments were late and or missed.
Product: Student loan

I have had my loans sold and moved on multiple occasions. I have never missed a payment. I have been out of school for 8 years and have hardly made a dent into my student loans. I have paid thousands and thousands of dollars and have called many times trying to get into a plan that will actually reduce the overall loan. I have been told I am in forgiveness plans and moved from program to program. I have been falsely led. As a result, despite paying anywhere from $ XXXX {$350.00} a month for 8 years, I have only put about a {$2000.00} dent into the loan. This does n't make any sense and I have had NO help in getting out of it. I have tried to do it the right way. I ca n't get straight answers from anyone about my plan and am routinely talking to people that hardly speak English. I define the entire experience as fraudulent and misleading. There is no reason that I have not had any of this forgiven or made a much larger dent into my student loans. At this pace, I will pay off my house, a much larger loan, in a faster amount of time than my student loan. I have been dumping money into a bucket with no end in sight. I believe I am entitled to a reduction in my student loan number. Not because I do n't want to pay it back and do the right thing. I took the loan, I owe the money. I believe I am entitled to a reduction because I have been taken for a ride for the last eight years and my student loan has not been reduced. I have been mislead and taken advantage of.
Product: Credit card

BARCLAYS BANK DELAWARE Important dates Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX Additional details Business type Finance Companies - non specific Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX There is a credit inquiry on my credit report from XXXX that was not authorized. Possible fraudulent account opened. This was not authorized or initiated by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account 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 # XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$3800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I've always made sure to pay this account on time and never let it become overdue. I don't understand why there are reports of late payments on my account. According to 15 USC 1666b, billing errors should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to me being a victim of identity theft I spoke with XXXX at Transunion on XX/XX/XXXX, about the unauthorized accounts that appears on my credit report I request these following accounts to be delete and removed off my Transunion credit report : " XXXX XXXX XXXX '' Open Date XX/XX/XXXX Amount {$8800.00} Account XXXX, " U S DEPT OF EDXXXX '' Open Date XX/XX/XXXX Amount {$5200.00} Account # XXXX, " U S DEPT OF ED/XXXX '' Open Date XX/XX/XXXX Amount {$6900.00} Account # XXXX, " U S DEPT OF EDXXXX '' Open Date XX/XX/XXXX Amount {$3400.00} Account # XXXX, Doing the trouble sometime when acquiring funds to sustain everyday life is crucial, This unauthorized account has severely hindered me I am requesting that the above unauthorized account be removed immediately from my Transunion credit report due to my identity been stolen.
Product: Debt collection

I sent a letter to SCA Collection certified and was signed for on XX/XX/24 by XXXX XXXX. They did not actually delete the item from my credit report and they are supposed to cease all communication during the validation period and they did not actually validate the debt so please explain to me why this is still on my credit report. This is so misleading date and I want it deleted immediately. I requested verification of the alleged debt, specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. 

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

SCA COLLECT ( Original Creditor : XXXX XXXX XXXX ) XXXX