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

I requested the again correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a follow up to my original letters dated below. Regarding inaccuracies in the below mentioned credit bureau 's file on me, as it relates to credit inquiries & fraudulent accounts ... XXXX, XXXX and Trans Union ... Submitted to the CFPB on XX/XX/XXXX, Submitted to the CFPB on XX/XX/XXXX, Submitted to the CFPB on XX/XX/XXXX, Submitted to the CFPB on XXXX 
I sent a copy of all outstanding and outdated information along with unauthorized inquiries requesting the removal of the items.. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Therefore, I am requesting an investigation under 611 FCRA. Please also comply with Section 609 of the FCRA. Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon requests, and subject to 610 ( a ) clearly and accurately disclose to the consumer. Identification of each person ( including each end-user identified under section 607 ( e ) that procured consumer report. I'm requesting you reinvestigate and delete the following " unknown '' accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with them for the purpose of filing a complaint with the CFPB and the Attorney General 's office. Should you continue in your non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received copy of credit report due to COVID-19. Account with XXXX credit limit {$1500.00} is an open account that I did not authorize. I am a victim of identity theft this account by XXXX Bank, Account # XXXX is a result of fraud. I have notified XXXX Bank and they have failed to properly investigate and resolve the issue. I believe XXXX is opening accounts in people 's names illegally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Addresses : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : XXXX XXXX XXXX  Date Updated : XX/XX/2015
Product: Debt collection

I attended University XXXX a few years ago. The school was not the right fit for me, so I withdrew. I emailed officials at the school and everything was taken care of. Then I see this amount of about {$5700.00} show up on my credit report as collections months later. I found out they sent my student loans back without telling me, which is illegal. When I withdrew, none of the XXXX clerks mentioned that I would owe that due to loans being sent back. When I called, the director of their financial aid department said " Well we like to tell students in person. ", as if that was a valid excuse for not informing me that money would be returned and I would owe it immediately. She also told me if I would have toughed out the semester with just one class, they would n't have sent the loans back. This is something that they should have told me, this is negligence on their part. Had I known they were going to do this, I would have complied with one class. Also, they let that balance sit in their financial aid department as a balance due for months. They had my phone number, mailing address and email ( which is how I withdrew in the first place ) and no one contacted me. I found out when it showed up on my credit report and I started getting calls to pay the debt. 

This debt was paid. XXXX sent the loans back without my authorization or at the very least notifying me. Then when the debt had sat in their office, they made no attempts to contact me about payment arrangements. This negligent business practice on their part and their actions are directly affecting my credit report. I 'm trying to buy a new car and eventually a house and I ca n't do that if there is a near {$6000.00} derogatory blemish needing to be paid in full in my credit. 

I have had this removed from my credit report before and I need it off again. This is ridiculous.
Product: Debt collection

I asked this company to verify their debt as theyve been attempting to collect money from me according to my credit report. 
I have never had any accounts with waypoint
Product: Mortgage

TD Bank Mortgage does not inform its customers about increases in the escrow amount. When your autopay 'underpays ' the new payment amount, they hit you with a {$70.00} late fee. They can not provide proper reporting online related to your escrow balance and analysis. The full monthly payment amount due on the mortgage does not update until a few days AFTER the actual payment is due. I always pay on time. I, nor any other customer, should be penalized for their antiquated system, inability to send electronic notifications and horrible reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I applied and it send me to a phone number. the phone number doesn't work. 

I have done this TWICE over 6 months to no avail. 

The company in charge of this should be fined into XXXX because it's been 2 DECADES and this service is still junk. Criminals.
Product: Mortgage

On XX/XX/2021 I made my first mortgage payment to Zillow Home Loans. With the normal payment I made a {$96.00} extra principal payment and an extra {$50.00} to escrow. This reduced my principal balance to {$200000.00} and increased my escrow balance to {$3500.00}. On XX/XX/XXXX I was notified that my loan was sold to XXXX XXXX, a servicing company associated with XXXX Mortgage. I received my first statement from XXXX XXXX and discovered that the extra principal and extra escrow were both missing from my initial statement sent me from XXXX XXXX on XX/XX/XXXX. Attached are copies of both the Zillow Mortgage Company and XXXX XXXX. 

I have filed a complaint with you for XXXX XXXX but now realize that perhaps Zillow failed to inform them of this missing payment of extra principal and escrow. I have yet to receive a resolution from XXXX XXXX so I wanted to submit this complaint so Zillow would have to answer as well.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I have called and mail Experian to delete addresses I never lived at and its complete fraud. 

I have only one address I live at is below : XXXX XXXX XXXX XXXX XXXX, PA XXXX Please delete all these addresses below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Account Name XXXXXXXX XXXX Account Number : XXXX Late Payment Date : XXXX I am writing to dispute the following inaccurate information that appears on my credit report. Under the Truth in Lending Act ( TILA ), specifically 15 U.S.C. 1666b, 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 to ensure that each periodic statement is mailed or delivered to the consumer not later than 21 days before the payment due date. Additionally, if an open-end consumer credit plan provides a grace period during which the obligor may repay any portion of the credit extended without incurring an additional finance charge, such a charge may not be imposed unless a statement including the amount upon which the finance charge is based was mailed or delivered to the consumer not later than 21 days before the date specified for payment. In accordance with 15 U.S.C. 1666b, I request that the credit bureau conduct a thorough investigation of these items and correct or remove the inaccurate information from my credit report. You can also check below attachment that i am paying on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

FAILURE TO LEGALLY VERIFY - WILLFUL NEGLIGENCE I have contacted this company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX. They have failed to delete information on my credit report resulting in reputable damages from identity theft, which was proven by myself in accordance to the law. This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. I, XXXX XXXX XXXX, have gathered all this information for litigation. 

Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$1000.00} Account Type : Charge Off
Product: Credit card or prepaid card

For decades. Every single credit card company has been scamming the users of international purchases. When you make an international purchase you are quoted a charge which is the exchange rate that moment, but its marked pending for usually three days. During those three days if the dollar falls they reassess the charge marking up the product some secret amount. When the dollar gets stronger they dont change the charge and give the benefit to the card user. This process is reaping billions in profits to the credit card company each year and I believe is quite unfair to all consumers. We should be able to expect the charge when made will remain the charge on the statement and not make the consumer responsible for these hidden charges by the banking industry. In fact all these banks advertise no exchange fee or international charges. But in reality they are doing so by manipulating the final price days after the charge. I am not sure who to present this fraud on the people too. So I am starting with you.
Product: Debt collection

I have been a member with USAA Federal Savings Bank for over 25 years and every 6 months they find a way to increase my auto and homeowner 's policy rates up to {$200.00} or {$300.00} approximately stating some bogus reasons. I have to call and go through my policies to try and have the amounts reduced by reducing options within the policy. This has become tasking and USAA, with numerous lawsuits, have misrepresented themselves regarding. I shouldn't continue to have policy issues and significant increases every 6 months and every year to help USAA take more money from me unnecessarily. Now, I am being told, per my homeowner 's policy, I have to to just deal with their automatic increases, which is bogus. I would like to be able to stay on budget and not continuously have to be ripped off by such continuing increases without a legitimate cause. Please help and thank you. My USAA member number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed this account with your company Experian and it resulted in you verifying this entry. I am once again demanding validation of this alleged account for the second time as I have yet to receive sufficient documentation that legally shows I am responsible for this matter. 

In addition to requesting validation, I am formally requesting your method of verification for these entries that I have previously disputed, please supply me with any documentation you may have on file to aid your stance. 

******** ( Copied from Affidavit of Method of Verification ) ********
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly.

I have the right to privacy.

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

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete From My CREDIT REPORT 4. The inquiry was not authorized XXXX Date of inquiry XXXX XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute on Experian XX/XX/2020. This dispute was against XXXX. I had filed the same dispute with XXXX  and after they investigated they agreed to remove the negative remark from my report. Experian and XXXX have been difficult to work with and both companies have been hard to get a hold of. This account with XXXX has been paid off. I have the title of the vehicle in my possession. This account is also included in the current settlement XXXX is facing. I am a father to XXXX  children looking to buy our first home. These negative remarks that are not relevant or applicable are severely affecting my ability to do so.
Product: Credit card or prepaid card

They are not showing all transactions online or on statements. My credit card is used with XXXX to pay XXXX. I placed order and then cancelled it. XXXX refunded to XXXX. XXXX shows that XXXX charged {$23.00} on XX/XX/XXXX and XXXX refunded {$23.00} XXXX XXXX. Citibank Wayfair MasterCard DOES NOT show any transactions on those days and no transactions for that specific amount on any other days or transactions totalling that amount. So, they have to be breaking the law by not showing all transactions? Plus they are so slow to show transactions. If I use my card to make a purchase with my other credit card it shows same day. Citibank takes 2 to 4 days before they show up.
Product: Credit card or prepaid card

Capital One will not grant me access to my account online. I've been able to verify my identity through multiple processes, but not the processes they prefer. The sytem is to strict for people traveling to access if they get locked out.
Product: Mortgage

Mr. Cooper issued seven {$1300.00} payment transactions for a total of XXXX that were unauthored from our checking account. This cause our account to be overdrawn.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed several unauthorized credit inquiries that I did not initiate or authorize. I am writing to formally dispute these inquiries and request their immediate removal from my credit report. 

The unauthorized inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have not authorized these inquiries and am concerned that they may be the result of fraudulent activity. Therefore, I kindly request that you investigate and remove these unauthorized inquiries from my credit report immediately.
Product: Checking or savings account

Unauthorized atm withdrawal from a XXXX XXXX ATM for {$170.00}. I did not use an atm in XXXX XXXX or take out {$170.00} on XXXX XXXX. Ive contacted CHIME and was told to wait until it settles completely before they can start a dispute and are unsure if Ill be getting my funds back from this FRAUDULENT transaction. I am very worried that I would not be able to recover my stolen funds. Please assist! Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XXXX I've sent disputes about inaccurate and unknown accounts I found on my credit report. But it's almost 90 days since I've sent it and I don't received any response. I was so stress and feel I was being ignored. I demand to immediately DELETE those unknown and inaccurate accounts or I will file a litigation.
Product: Debt collection

the date the the debt amount was {$400.00} the date it was open was XXXX XXXX the account name is contract caller inc I don't know who these people are who are these people give me some information on these people the company keep reporting on me I don't know them I have no information this company
Product: Credit card or prepaid card

On or around XX/XX/2022 Destiny/ Genesis FS Card Services sent me terms and conditions of my credit card. I do not consent to the terms and conditions of my account and ask Destiny / Genesis FS Card Service to proceed pursuant to the ( Fair Billing Credit Act ) ( 15 U.S.C. 1666-1666j ) extension of credit. As of date XX/XX/2022 my rejection notice is forced.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, XXXX XXXX XXXX XXXX XXXX XXXXs committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Product: Checking or savings account

On XX/XX/XXXX I sent an email asking if my tax preparer if they were still doing taxes so I could get my exes filed for the year since I didnt work. We made an agreement and I never heard from this person since XX/XX/XXXX. However on XX/XX/XXXXXXXX, A net spend checking account was falsely made with my name and information with my knowledge or consent. Along with a checking account, the person responsible also had my tax return, which they also filed under my name without my knowing or consent, deposited {$6400.00} into said account on XX/XX/XXXX. This person then spent all funds in this account with 6 noticeable bank withdrawals ranging from $ XXXX {$320.00}, utility bills such as a power bill priced at {$200.00} and major purchases such as two for {$2000.00} and {$790.00} all within the same month of XXXX XXXX. I have filed a police report, called and issued a report to the FTC and now Im writing this complaint to you in hopes to resolve this situation. I have disputed this with net spend before with little to no help and I have documentation I will be attaching to this complaint.
Product: Money transfers

XXXX XXXX XXXX set up a pyramid scam on XXXX in the group called " XXXX $ XXXX $ XXXX {$20.00} auto reshare {$140.00} payout ''. When I figured out what it was, I asked for my money back and she will not send it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress. I kindly request that you prioritize this matter
Product: Debt collection

I received a notification that on XX/XX/21 that an account went into collections that was attached to my ssn. I contacted the company directly and told them, Im not connected to address listed where debt originated. I filed a police report for identity theft nothing happened or the police didnt think it was important. I contacted the debtor again and they still wont remove the bill, Ive tried multiple times reporting it as identity theft to transunion with no results. The next step is suing the debtor to have it removed.