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

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, MI, XXXX Employer - XXXX XXXX Employer - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged 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 XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPBXXXX ] XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Bank account or service

On Friday XXXX XXXX, XX/XX/2015 I made a deposit of XXXX paychecks at my Citibank branch ATM. On Saturday XXXX XXXX there were a couple of debits to the account, and I withdrew money from the ATM. On Sunday XXXX XXXX my husband attempted to access my online account and was met with a blank account page. He assumed the website was undergoing maintenance and moved on. On Monday XXXX XXXX I attempted to make a withdrawal at my branch ATM and was rejected. I assumed there was a problem with the ATM, and as the branch was still closed went to another ATM location. When both that attempt and a purchase failed I returned to my bank, which was now open. The teller told me that neither him nor anybody else at the bank had any access to my account, and gave me a toll free number to call. I spoke to XXXX different 'supervisors ' when I called. Neither could give me any information regarding my account, accept for alluding to my Friday deposit being involved. I was told the fraud department was handling my case, and that they did n't take phone calls. I was advised to call back in XXXX hours. I called back on Thursday XXXX XXXX, XXXX hours later. I was told they could n't give me any information, and to go into my branch to see my banker. I was on my way to work, so could n't go in until the next day, Friday XXXX XXXX. My banker cleared everything up, opening my account back up, and explained why fraud had been suspected. What he could n't explain is what this complaint is about. Why, over the course of 6 days, did n't anybody from Citibank reach out to me? If I had n't needed to get cash out of the bank on Monday I would n't have known that anything was wrong. If someone had been attempting to commit fraud, I would n't have been given the opportunity to protect myself and check other accounts. I could have accrued fines and had my credit negatively affected from automatic debits not going through. Worse still, If I was alone, with no support network, and no access to my money, I may not have been able get to work, feed my child, etc. I also find it frustrating that all the people I talked to during my XXXX calls were " supervisors '', and that they would n't direct my call to someone who really was in charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Certified Mail Number : XXXX XX/XX/XXXX, RE : CONDITIONAL ACCEPTANCE FOR VALUE FOR PROOF OF CLAIM UPON CORPORATIONS CONTRACT, FOR DETERMINATION OF MEETING OF THE MINDS, FRAUD ON THE CONTRACT, AND/OR AN UNCONSCIONABLE CONTRACT AND/OR AGREEMENT FOR COMMERCIAL DISCHARGE, FILES # XXXX AND # XXXX. 
Dear Mr. / Ms. CEO : I am in receipt of and conditionally accept for value ( honor ) your statement of report for XX/XX/XXXX, dated XX/XX/XXXX and XX/XX/XXXX. Copies of the statement of reports are enclosed. 

In response to statement of the report you provided, I am conditionally accepting your offer for the unverified items contained in the Files # XXXX and # XXXX, upon proof of claim that : 1. PROOF OF CLAIM that Respondent show under the FCRA ANY copy of the original creditors documentation on file ( a consumer contract with my signature on it ) that you verified, and that this information is mine and is correct as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

2. PROOF OF CLAIM from your department 's documentation showing method of verification as required under Section 611 ( a ) ( 7 ).

You have ten ( 10 ) days from receipt of this Conditional Acceptance to respond on a point-by-point basis, via sworn affidavit, under your full commercial liability, signing under penalty of perjury that the facts contained therein are true, correct, complete and not misleading. Mere declarations are an insufficient response. If an extension of time is needed to properly answer, please request it in writing. Failure to respond will be deemed agreement with the facts stated in the attached Affidavit and inability to prove your claim, thereby indicating your agreement to the facts stipulated herein enclosed commercial affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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: Mortgage

Since XXXX of XXXX I have been trying to get an exact amount to bring my mortgage with XXXX current. I spoke with the rep and asked her for the total amount to bring the account current. Paid that amount and continued to make the monthly payments in XXXX & in XXXX. I mailed both these payments to them with old copies of statements since I had not received any statements from them. Called on XXXX XXXX to make the XXXX payment over the phone & spoke with XXXX XXXX, who informed me that I was running XXXX month behind and owed XXXX & XXXX for XXXX of {$2400.00}, which included late fees and some other fees for having someone verify that the property was lived in. They refused to waive those, so I made a payment of {$1200.00}. My regular payment is {$1100.00} plus {$33.00} for each late fee past XXXX. So I was told by XXXX that the balance for XXXX would be {$1200.00} plus the {$1100.00} for the XXXX payment. This total would be {$2300.00}. Called XXXX XXXX to make payment for XXXX for {$1200.00} spoke with XXXX who confirmed a balance of {$1100.00} due for XXXX. Called and spoke with XXXX who took the XXXX payment for {$1100.00}. I asked what was due for XXXX and was told that since we had been paying extra, the amount due for XXXX was {$870.00} plus {$33.00} late charge, for total of XXXX. Called XXXX XXXX to make the XXXX payment and spoke with XXXX XXXX. I made a payment of {$1100.00} after verifying with him that we needed to pay {$900.00} for XXXX. He stated that the additional {$200.00} would be applied towards the XXXX ember payment. I called today to inquire about the statements and to request some type of correspondence showing what was due for XXXX and spoke with XXXX XXXX. Back in XXXX we filed XXXX XXXX '' bankruptcy and it was discharged in XXXX XXXX. According to XXXX they had no such documentation stating the discharge and she would have to check it. After a long hold, she said that " nothing showed pending ''???, so I imagine she confirmed it. I asked what the amount due for XXXX was and was told {$1.00}. I asked why so much and what happened to the extra {$200.00} that I had been told would be applied towards XXXX and was told that the {$200.00} was in a " suspense account '' and that it would be used towards whatever fees I had owing on the account. I asked for an itemization of the payments, late fees, etc and was told that nothing would be mailed to me because we had filed bankruptcy. Even though it had been discharged, just because we had filed it, it did not entitle us to receive any type of statement. She went as far as to say that even if I submitted the request in writing, it would be denied. So we are pretty much at their mercy and they can continue to charge me fees that I do n't know what they are for.
Product: Checking or savings account

The bank account was closed without any written agreement. Also there was not a offer to validate the debt associated with the account nor was there an offer to settle the debt in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

The investigation report stated inquires are removed but they still show on my credit report. 

CREDIT FILE : XX/XX/XXXX Confirmation # XXXX The Results Of Our Reinvestigation >>> The information you disputed has been received. The results are : THIS INQUIRY HAS BEEN DELETED. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX >>> The information you disputed has been received. The results are : THIS INQUIRY HAS BEEN DELETED. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH 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 my 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 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 21 days before the payment due date. 

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 21 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, credit repair services, or other personal consumer reports

I have been attempting to cancel my experian credit tracker account for two days. To cancel my account requires a telephone call as experian will not allow cancellation by any other means. I have been on hold for over three hours on each call I have made. There is no option to speak with a live person. There is also no information during the call that I am in line or how long the wait time will be. Its fairly clear that this is a common issue based upon an internet search of Experian where hundreds of people have reported the same problem with average wait times of 2-4 hours. My call have been placed on XXXX and XXXX. I am currently on hold as I type this. I have been on hold again for 40 minutes. My Membership ID is XXXX.
Product: Credit card

Never got a chance to use my card before they locked it down for failed attempts to login supposedly but I use Face ID to log in and not once have had a failed attempt
Product: Credit reporting

Please assist me in getting an incorrect birth year removed from my credit profile. I was born in XXXX, not in XXXX as Equifax is reporting. I have informed Equifax that I was a victim of identity theft. Also, there are several inquiries in the last year that is not mine. Please remove these unauthorized inquiries from my credit profile. The following addresses are not mine : XXXX XXXX XXXX.
Product: Credit card or prepaid card

The following series of attempts have been made on my behalf to clear a fraudulent charge of {$160.00} from XXXX in XXXX, FL. All of the phone calls listed below were lengthy on wait time and I was passed from one customer service rep to another. 

XX/XX/XXXX I called and informed customer service that the charge was fraudulent. I was told it would be noted and taken care of. 

XX/XX/XXXX I followed up with another phone call and was told it was not noted as fraudulent and there was no indication of my earlier call. 

XX/XX/XXXX I wrote a letter to the Fraud Department at the address given to me at the time of my call. I never received a response. 

XX/XX/XXXX Another phone call and was told the case # is XXXX and it is being handled. 

XX/XX/XXXX Another telephone call with representative claiming that XXXX had handled the issue and credit would be forthcoming. 

XX/XX/XXXX No results, another phone call informing me that XXXX XXXX was the investigator handling the issue but he was unavailable by phone. 

XX/XX/XXXX - I called XXXX to ask for help and was told they could do nothing. 

XX/XX/XXXX Online chat with cc representative named XXXX who informed me the item was flagged and I will see a credit within 3-5 business days. Please be rest assured. I printed a copy of the chat. 

XX/XX/XXXX Online chat with representative named XXXX who informed me I do not have to pay the {$160.00} as it is disputed and a security credit will be applied to my account. I printed a copy of the chat. 

XX/XX/XXXX I wrote a letter to XXXX XXXX whose name I was given in the last phone call and received no answer. 

XX/XX/XXXX Telephone to representative named XXXX who informed me that the credit was issued on XX/XX/XXXX and would show on my XX/XX/XXXX statement. XXXX said the person handling this dispute was XXXX XXXX and I could reach him by mail. 

XX/XX/XXXX statement was received and included a late fee of {$25.00} for non payment of the FRAUDULENT DISPUTED ITEM. 

XX/XX/XXXX statement was received with no credit as promised by XX/XX/XXXX representative. And a late fee of {$35.00} was charged plus interest of {$1.00}. 

XX/XX/XXXX my third letter to XXXX XXXX ( name phone rep gave me ). 

To recap all of my attempts to resolve this matter with no success or even responses - 7 phone calls, 2 chats, and 3 letters.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This reason I am filing this complaint is to request an investigation into Nationstar Servicing and XXXX XXXX XXXX mortgage companies reporting incorrect information into my credit file. My credit report should show first date of delinquency in the month of XX/XX/XXXX. Instead the mortgage companies are reporting the incorrect year of XX/XX/XXXX, to re-Aged the account " Running of Reporting Period ''. I have attach two of my mortgage billing statement that shows my account first date of delinquency is in the month ofXX/XX/XXXX. I am requesting that Nationstar Servicing and XXXX XXXX XXXX correct the fraudulent information they have report into my file ASAP.
Product: Credit reporting or other personal consumer reports

Spoke with SPS regarding ex spouse being in contempt for not refinancing after divorce. Last signature from me was XXXX. I contact SPS again after credit report showed a loan modification. SPS informed me ex XXXX XXXX obtained a loan modification but how could a legal loan modification be conducted and provided without my signature or knowledge. XXXX XXXX was asked repeatedly to remove my name, I'm not on the deed, and the order was for XXXX XXXX to refinance in XXXX. XXXX XXXX is purposefully damaging my credit. Now, I have no other recourse but to obtain legal assistance that adds additional stress on my family to investigate disrupting my business, studies, duties as a caretaker and provider. The last signature SPS received from me was XXXX, so how has XXXX XXXX obtained a modification?
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested validation of this debt multiple times ( XXXX XXXX/MIDLAND FUNDING ) has failed to produce any documentation. They havent sent my original contract showing my Apr. They tried to sue me in court this case was dismissed because they couldnt prove this debt is mines. They are in violation of the federal law by keep this on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Diversified Consultants # XXXX is a fraudulent account that is reporting on my credit. I have currently had XXXX XXXX XXXX for years and I spoke to them and they said the account was opened in Oregon. I did not open this and it is not mine, XXXX XXXX XXXX have confirmed it and I have a police report # XXXX stating that this is fraud.
Product: Debt collection

Since opening an account with Harley. I have received calls from the collection department even before my first bill was due. They called it a courtesy call to be reminded that my first bill was coming up. ( 8 call total ) I told them about email. 
Since that time theyve repeatedly called. From the cell number to my work number. To the point my boss had to tell them to stop calling because they were occupying the work line. Now they call 8 times a day for sure because I have saved all my call logs. I understand a late call or reminder but theyll get this way when its on the due date and keep it up everyday till its paid. Ive asked whats the point of having a due date if Im called on it every time. Its not even late at that point its ON the due date. Im at work XXXX which theyve been told this. Ive even set up a payment date when late or going to be late on the website to be automatically withdrawn from my bank account and Ill receive calls till THAT date. I pay the late charges when late but Ive never been a month late. Ive been days and at most a couple weeks. We had Harley for three years with another account and was always in good standing and still is. all this started with the new account days before the first bill was even due. ( Never  experienced these call before and weve been late before ) Then it was a day or so before the due date which I asked why do I have a due date. Then to them calling 8 times a day if not more on multiple devices on the actual due date. Heres XX/XX/2019 call log for example. 

Calls start// XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Yes I understand paying my bill on time would avoid this but life happens and the fact it started before any bill was ever due or on due dates is the issue.
Product: Credit card or prepaid card

someone tried to acces my credit report discover card and jpmbc contacted me about it i never applied for any new card or credit line increase.
Product: Credit card or prepaid card

I thinks someone made a fake capital one account with my personal information on it. The credit report is saying Im an authorized user, but Ive never signed up for capital one or have I ever owned a major credit card. Its hurting my credit score. And I cant resolve it because I dont know the account number.
Product: Mortgage

Seneca Mortgage LLC has mismanaged escrow funds for my mortgage from what I 've been able to gather Senca made double payments to my property insurer on file as part of maintaining my Escrow. They then sent me a vague letter informing me I was to receive a check from my insurance company which I was to cash then send on to Seneca. I never received a check from my insurer so I assumed Seneca resolved their own problem until I discovered they are now attempting to charge late fee 's because the Escrow account is now in arrears.
Product: Debt collection

This account belongs to my ex husband XXXX XXXX I have a court order stating that he is responsible for any and all medical bills for Our daughter, being that I do not have an income.. The dates of the services are in question and have not been provided to me in detail. I also believe that if these bills continue to be in my name they would be covered under of my bankruptcy that discharged in XXXX XXXX. Collection agency can provide me with no documentation that the children were even seen at the doctor at the dates in question. Also at the time my children were covered under XXXX as a secondary coverage. I have made several attempts to provide the medical information to the collection agency to no avail. 

Amount {$360.00} {$180.00} Date opened XX/XX/XXXX & XX/XX/XXXX Rash Curtis & Assoicates Have been threatened with legal action several times by this company and been called daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items and bankruptcy which 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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXXXXXX Balance : {$4200.00} US DEPT ED XXXX Balance XXXX {$17000.00} US DEPT ED XXXX Balance : {$9400.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2016