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

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX I am writing to request a reinvestigation on the following accounts that is reporting delinquent on my credit file. 

Account 1 XXXX XXXX Date opened : XX/XX/XXXX Account Type : Installment Account Loan Type : Automobile Balance : {$4500.00} Account Statues : Charge Off Account 2 XXXX XXXX Date Opened : XX/XX/XXXX Loan Type : Credit Card Balance : {$5300.00} Account Statues : Charge off Per IRS Publication 4681, Canceled Debts/Charge off is considered income that needs to be file on my taxes and should not be reported on my credit file as a debt. Please update as paid in Full. 

I am requesting proof of the investigation please provide : Name of empolyee spoken to Date of investigation what information was given Please see attached IRS Form 1099B that was filed for the above accounts proving the account has been Discharged. attached also is response letter from XXXX XXXX XXXX XXXX stating Account 1 has been paid as agreed.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX, the credit issuer for XXXX XXXX added a duplicate line item to reflect a charge-off. This was previously reported on or about XX/XX/XXXX. I have attached the document that illustrates the history and the proof that the account has been resolved. I have only had on account this company. Since they entered this duplicate line item my credit score has decreased by XXXX points from one credit reporting agency. I would like the entry from XX/XX/XXXX removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

After Carefull reviewing my credit report it showed that I owe the following companies and i have never done business and i am requesting an investigation. I did not authorize my personal information to be used. 
Please delete the following from my credit report : XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021, i sent Equifax about inaccurate and incomplete items they are reporting on my credit report. This notice is to inform you that you unlawfully reported unauthorized accounts on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to dispute the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.
Product: Credit reporting or other personal consumer reports

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate
Product: Credit reporting or other personal consumer reports

These accounts are reporting inaccurate on my report XXXX XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TransUnion, XXXX XXXX XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX, TransUnion, XXXX XXXX XXXX XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion, XXXX
Product: Credit card or prepaid card

My Home Depot card had a 0 balance. I got a letter in the mail ( XXXX. XXXX, 2020 ) stating I owed {$2900.00} and that my account had been closed. My Credit limit is only {$500.00}. I called them that day to file a dispute and fraud charges. I talked with Home Depot card and Citi Bank. First person said they thought it was strange and they would fix it. They were going to reinstate my card and send out a new one, and that it would take a month to be taken care of. I never received the new card. I started getting phone calls that I owed to the Home Depot/Citi bank card. I called again, they sent me to someone from Citi Bank. They said they would take care of it. I told them I did not want another card and to cancel it. I later found out I had another one with the amount of {$120.00}?? I called them back. They told me not to worry about that card and that I did not owe it. I kept checking my account online. They kept changing the amounts back and forth to both accounts. I called them again and they sent me back to the dispute center for Home Depot. The lady asked me what my bank account number was, I told her and she said that is not where they sent the money to. I was told that the {$2900.00} was direct deposited into my account. I told them I never received any money from them. They said it would take about a month for everything to be taken care of. Meanwhile I'm still getting phone calls and the {$2900.00} and a charge is on my credit through XXXX XXXX. To this day they have not taken care of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

ACCOUNT XXXX XXXX {$1500.00} XXXX XXXX XXXX   {$580.00} and XXXX  XXXX XXXX {$1300.00}
Product: Payday loan, title loan, or personal loan

When I make additional payment on top of the normal payment I request that the additional payment is to be applied to principle balance but they do not. They put the additional payment towards future monthly payment not due yet so that they continue to charge interest on a incorrect balance.
Product: Checking or savings account

Cash app closing my account permanently for no reason at all because cash app claims it was suspicious activities with the account permanently without acknowledging me first or without my consent I have had a few transactions that I didn't make and believe it was hacked and never received my refund back
Product: Mortgage

Pursuant to XXXX XXXX XXXX, which is apart of RESPA XXXX XXXX ( e ), I am requesting the following information. This information has been requested on numerous occasions in the past and not provided. 

1. Per the attached mortgage statement, a full accounting and itemized statement breaking down the {$20000.00} in lender paid expenses.

2. A full escrow analysis and itemized accounting ledger of the alleged {$73000.00} escrow balance due.

3. All recorded loan modifications on record, since the inception of the loan.

4. All accounting itemized accounting records from XXXX XXXX XXXX XXXX XXXX XXXX prior to the transfer of the loan to Mr. Cooper. 

Pursuant to XXXX XXXX XXXX all foreclosure action must be halted until documentation within the QWR is provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are still reporting inaccurate accounts on my credit report after I properly disputed the accounts. 

XXXX  said the sole the issue, but didnt say how or provide me with no proof and that illegal. So the company is illegal reporting accounts on my credit. 

XXXX  never even notified me of the status of my disputes, which is also illegal. 

Im attaching the letters I sent to them containing the inaccurate accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  : {$16000.00} ; XXXX XXXX XXXX XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to the 3Credit Bureaus last XX/XX/2022 but upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. But until now I haven't received any response from them. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to be updated immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an old account. Over XXXX XXXX XXXX. This should not still show no my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Citibank made an unauthorized hard inquiry on my credit report. I did not authorize this credit inquiry in any unmistakable way. I had recently opened a new credit card with Citibank with a lower credit limit than I expected. I called Citibank to inquire further about it and explicitly told the representative I was speaking with on the phone that I did not want to process a credit limit increase if it meant that it would be processed as a hard inquiry on my account. The representative assured me that the request would not be processed as a hard inquiry ; however, it was. This hard inquiry resulted in my credit score dropping NEARLY XXXX POINTS. 

I've called Citibank numerous times to rectify the situation and can not get a supervisor to speak with me. I was advised to write a letter to Citibank 's Credit Bureau Dispute Unit. On XX/XX/XXXX I wrote a letter to Citibank disputing the error on my credit report. I told them that I did not authorize the hard inquiry and to please remove this unauthorized hard inquiry from my XXXX  credit report. 

In a letter dated XX/XX/XXXX, Citibank responded and said that they " have requested that the consumer reporting agency ( ies ) change the inquiry dated XX/XX/XXXX on your credit bureau report, as you requested. '' I have submitted several disputes with XXXX  to no avail. On XX/XX/XXXX and XX/XX/XXXX, I faxed and mailed, respectively, a copy of Citibank 's XX/XX/XXXX response to XXXX. XXXX  has still refused to remove the unauthorized credit inquiry from my credit report.
Product: Credit reporting or other personal consumer reports

This is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A XXXX  XXXX account was opened fraudulently. I have tried to resolve it with the company. I want the account removed from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX has showed up on my credit report and sent to collections after it was filed and discharged in my bankruptcy in XXXX and discharged in XXXX
Product: Checking or savings account

On XX/XX/2019 i responded to US Bank 's promotion for new customers, which they offered {$300.00} bonus whith a new checking account if {$2000.00} direct deposit was made the first 60 days and i did more than that.I opened the checking account @ ( US  BANK, XXXX XXXX XXXX , XXXX, CA. XXXX, ( XXXX ) XXXX ). I called on XX/XX/2019 US Bank and spoke to employee XXXX XXXX and his Manager XXXX XXXX to remind them that i fulfilled my obligation and both verified that. Until XX/XX/2019 i didn't received the bonus so i called again and spoke to Manager XXXX XXXX. This time he was Very Rude, Misleading, Yelling, XXXX. He refused to honor my bonus. Obviously he is either using different excuses so he can pocket the bonuses of new customers or US Bank 's use Gimmicks bonuses to attract new customers and never honor them, or both. In addition i was charged before the due date of three items  to be paid, 6  $ XXXX for overdraft protection that i never ordered. When i opened the account i asked XXXX XXXX to receive electronic statements, but i was charged {$2.00} fee6=XXXX monthly for mail statements which i never received. I do more than ten purchases with my debit card in order to avoid monthly charges, but I am charged $ XXXX per month. This is another example of a Bank behaving like a Criminal Enterprise without obeying any Law that Politicians drafted for them. After all this is purpose of Bribing Politicians, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving many solicitation emails, in XX/XX/XXXX I filled out an application with XXXX XXXX in order to obtain a loan. 
I specified exactly what my credit score was and was told that they can get me something in the low 20 % annual range. 
Because I have a low credit score, I understand that I ca n't get a much better annual interest rate than that and XXXX, the owner of the company, seemed like a bit less of a vulture than all the others I had spoken to in the prior couple of years. 
Of course, as soon as my credit score came back ( with exactly the score I had already told them I have ), the annual interest rate jumped to 34 %. 
Because an interest rate like this is the equivalent of suicide in my business, I turned the rate down. However, XXXX ( who again seemed very nice and sincere ) said he would contact me again in the future to see if he could do better. 
On XX/XX/XXXX, XXXX from XXXX XXXX called me and said they have many new programs available since last we spoke and that ALL she needs to let me know what I qualify for is my last 3 months bank statements. XXXX actually even followed up on this phone call with an email that said when you send me these statements include how much funding yiu are seeking. 
Since the last 3 months bank statements do not hurt my already suffering on life support credit score, and XXXX had already told me that he would contact me again if he had a better offer for me, I sent her my last 3 months bank statements. What XXXX failed to mention was that she was going to pull my credit score as a hard inquiry. This is something I would NEVER allow. I receive at least a dozen phone calls on a daily basis. I do not allow anyone to pull my credit score. 
The only thing I allowed XXXX to do was to review my 3 prior months ' bank statements as she herself said she would be doing. 
As much as I can, I make every effort to be vigilant about my credit history. I am completely ashamed of myself that I was duped by one of these companies.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX was never late ! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX and 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 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 reported in on those accounts to be removed. 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 XXXX  days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX 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! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$850.00}.
Product: Mortgage

On or about XX/XX/XXXX, I began applying for a refinance of my mortgage with Chase Mortgage via its mortgage loan representative, XXXX XXXX. This was in response to my online inquiry the week before regarding applying for a refinance. I had just closed a Chase mortgage in XXXX, which I held for years with no negative incidents whatsoever, when I sold my previous home. 

I have owned and operated my XXXX XXXX  XXXX  for 16 years and expected and anticipated that, though a XXXX employee, that I would have to have my business finances scrutinized as well as my personal finances. No problem. Working with XXXX, I responded to every single request and reviewed the materials and information with him every step of the way. Just as I was confident, all items about my personal finances and company status exceeded requirements. I was informed that my application would be forwarded to underwriting for further and determinative resolution for eventually closing on the refinance. 

Today, XX/XX/XXXX, almost 6 weeks into the application process, I was informed via a phone call from XXXX, that a new requirement, initiated AFTER my application was in process, disqualifies my application. That requirement calls for a pre-existing, current relationship with Chase for at least 90 days in duration has to have been in place - solely because of having a significant ownership interest in my business and its being my primary source of income. There is or was no question about the viability of the business nor the level of income derived therefrom - it's merely having my own business. ( The efficacy and level of my credit scores, personal finances and financial performance of my business were never questioned. ). 

There was no notice of this requirement prior to my being told my application could not go forward. There was no opportunity to cure nor opportunity for me to decline initiating an application and thereby avoid wasting time, energy and pursuing other avenues. I was precluded from reasonably considering other means of pursuing a refinancing opportunity in an environment of market volatility with interest rates and competition directly and meaningfully impacting costs and investment opportunities to me and my family. Chase would not give any consideration to grandfathering my application, since this rule was not in effect at the beginning of my applying. The efficacy of my application was not in question nor any deficiency - other than the mere fact of my owning my business - identified or made. 

Chase should continue processing and ruling on my refinance application based solely on the merits, processes and policies that existed prior to their " pre-exsiting relationship '' rule.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was listed as one of the people potentially affected on https : //www.equifaxsecurity2017.comXXXX by Equifax 's securitt breach. I feel that my information was mishandled and I, along with millions of other consumers, was put at risk. I hope for a speedy resolution.
Product: Debt collection

On XX/XX/2019 at XXXX a male representative from a collection agency called from Hunter Warfield telling me XXXX and/or XXXX XXXX owed money from a business called XXXX XXXX XXXX. I immediately looked up the business online & saw it was apartment buildings in Connecticut. No one, including my self, in my family has ever lived in Connecticut. I told him there are 2 XXXX XXXX ( Mother & Daughter ) & 2 XXXX XXXX ( Father & Grandson ) & I asked which ones he was calling about. He could not tell me. I asked for a supervisor & a supposed supervisor named XXXX got on the line. I told him no one in my family owes whatever it is he is trying to collect. I then told him I looked up Hunter Warfield online & saw there were many complaints against his company for fraud & harassment. I also told him this is illegal & very upsetting his company telling me & my family we owed money to someone we never even heard of before. He then said something to the effect that if we are the wrong people, his is removing our telephone number from the list & he hung up on me. I am EXTREMELY concerned that this company is trying to fraud people out of their money & also EXTREMELY concerned that this may show up on my credit report. As I stated, neither I nor anyone else in my family has ever lived in Connecticut. Please help & please stop this awful company from doing this to people. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I received the results of a background check that was taken for XXXX XXXX. On this background check it's shows that i was convicted and sentenced to the XXXX  ( case # XXXX and XXXX ) XXXX XXXX and XXXX XXXX ( XXXX ) 17.5 years on XX/XX/XXXX but it's not showing that case # XXXX and XXXX was vacated and set side on XX/XX/XXXX. I was re-sentenced to 12 years for case # XXXX to be run concurrently with case # XXXX.

I don't know if that would have changed or be a determining factor in me getting this position and/or job but the information should definitely be on there for the company to also view. The conviction is over 16 years old and i was released from the Department Of Corrections XX/XX/XXXX. Can this be reviewed and made accurate and sent to XXXX XXXX please?