23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2018 I made a payment to U.S. bank in person in XXXX, Washington for XXXX. They have been having problems processing payments because they have a credit card number that is different than the statement dual credit card numbers. I called U.S. bank on XX/XX/2018 at XXXX. The credit card had my wife and I listed and they stated I was a employee and not authorized to speak to them. I demanded to talk to the supervisor and escalated to the manager. The manager refused to turn this over to a officer of U.S. bank stated " Need it in writing ''. I asked to speak to their lawyers she refused to cooperate. U.S. bank did not post the XXXX payment on XX/XX/2018 and did not mail the bill or have a online statement to print out. U.S. Bank states their logo " all of us serving you '' looks like a false statement.. I am going to have to ask for a fraud investigation into this incident for the following reasons : 1 ). Failed to post XXXX payment on XX/XX/2018 FCRA violation XXXX fine 2 ). Failed to mail out a bill or make available a online statement to print out fdcpa violation XXXX fine 3 ). Civil action possible under arbitration for personal damages to be determined.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. I disputed this account last month. Included with my dispute was a letter from XXXX XXXX that confirmed the account was not XXXX days past due for my XX/XX/XXXX payment. The letter clearly states that a payment was made on XX/XX/XXXX. Pursuant to a settlement agreement with the XXXX and other attorney generals in XXXX, XXXX XXXX agreed to assign an employee to investigate disputes that have supporting documentation. I would a description of XXXX XXXX investigation of my dispute. In particular, please state whether XXXX XXXX assigned an employee to investigate my dispute and if so, what were the findings. 

Also, there are new problems with XXXX XXXX reporting of this account. First, my payment for XX/XX/XXXX is missing from the payment history of the tradeline. Second, XXXX XXXX is not reporting that the account is disputed, including the nature of my dispute. Third, XXXX XXXX is not reporting a Date of First Delinquency. Please remove the late payment notation for XX/XX/XXXX or remove this account entirely. Otherwise, XXXX XXXX needs to report complete information and include the information that I just identified as missing. 

1ST National Bank. I received dispute results for my dispute regarding this account. The File Number and Date Issued for the Investigation Results are XXXX and XX/XX/XXXX. I disputed that the account was 30 days late in XX/XX/XXXX. Not only is XX/XX/XXXX still reporting late but my payment for XX/XX/XXXX is not reporting and the pay status is reporting as 30 days past due. I made my payments in XXXX and XX/XX/XXXX within 30 days of the due date. The account is currently on time. And I was current/on time in XXXX and XX/XX/XXXX. 

I viewed my myFICO report and it reflects that the account was current in XX/XX/XXXX. But XXXX XXXX XXXX XXXX is reporting the payment status for XX/XX/XXXX as Unknown. Also, the payment history stops in XX/XX/XXXX. As a result, my payment for XX/XX/XXXX is not reporting. I am attaching my myFICO report, which shows the account should report as current/on-time in XX/XX/XXXX. I am also attaching a screenshot of my online account with First National Bank. The screenshot shows that the balance is {$14000.00} and that a payment of {$470.00} was paid on XX/XX/XXXX. First National Bank reported this account to XXXX XXXX before my payment of {$470.00}. But the payment was only XXXX days late. The payment due in XX/XX/XXXX was {$460.00}, which was covered by the {$470.00}. Despite the payment, XXXX XXXX is still reporting that the account is {$460.00} past due.
Product: Credit card or prepaid card

I purchased concert tickets using my discover credit card. I was notified by XXXX that the concert was cancelled and that I would get a full refund in 30 days. After 30 days passed, I didn't see the credit placed back on my credit card, so I called Discover to file a dispute. I filed the dispute on XX/XX/XXXX. I just got notice on XX/XX/XXXX that the provisional credit that Discover had given me is now being removed and my dispute have been denied. My wife brought to my attention that Discover had violated Regulation E. I called Discover back and gave them permission to speak with my wife. My wife had informed them they had violated Reg E and asked why they are so behind with their processing. They gave her an excuse that they are behind with their work, but would not acknowledge what my wife was telling them as if they were avoiding the facts of the regulation. They promised to call in 48 hours. It has been 4 days and we have not received an email or a phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Conn 's Home Plus continues to inaccurately report a 30-day late to my credit report, even after agreeing to remove the item with a written letter ( attached - account ending in XXXX ). I have submitted numerous disputes with the 3 major credit reporting agencies and this company has agreed to remove a 30 day late payment in writing, then did not honor it and made numerous proven false statements about the details of my payment. This company continues to harm the consumer. There is a pattern of this behavior and I am asking that the CFPB step in and take action against this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I just looked over my credit report, which seriously XXXX me since I discovered items that your firm failed to verify were true, erroneous, suspicious, and unverifiable. 

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681e ( c ), as well as the Fair Credit Reporting Act, all information on my credit report must be 100 % correct. These accounts violate Code 1681i ( 5 ) by not reporting information that is 100 % correct. I've included copies of every letter you sent below.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX Account info Account number XXXX I have my own Baclays cc and its paid on time XXXXXXXX XXXX XXXXXXXX XXXX Account info Account number XXXX {$21000.00} This is not my account My address is not XXXX XXXX XXXX XXXX XXXX fl XXXX I live at XXXXXXXX XXXX XXXX XXXXXXXX XXXX fl XXXX for 6 years
Product: Mortgage

XXXX XXXX XXXX wrote in paperwork clause I had to sell house that I did not want to sell at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit Bureaus after I purchased a credit report in XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX****Balance : $ XXXX XXXXBalance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$430.00} XXXX XXXXBalance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX XXXX ( XXXX : XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a notice from XXXX Credit Reporting indicating that I had a negative event occur. It turned out to be from a collection agency that claimed I was overdue in the amount of {$2800.00} to XXXX XXXX XXXX. I do not have, nor have even had, an XXXX XXXX XXXX  account. I contacted the Fraud Department at Credence Resource Management , LLC to get answers. They indicated that this was most likely fraud, and that I needed to report this to law enforcement, fill out their attached form, and send it to XXXX XXXX XXXX directly for resolution. I completed all steps, to include proofs proving this was not my account or debt. 

To this date ( several months now ), I can not reach anyone at Credence or XXXX XXXX XXXX concerning this case. No one will answer the phone or answer emails. This has lowered my credit score by almost XXXX points, which will affect any future credit I seek. 

Arbitrarily filing credit report negative reports should be illegal.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made/initiated. It is the result of identity theft. 


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

I have received a letter from Credit Card XXXX who reported due to delinquencies, bankrupcy or late payments the have reduced my line of credit from XXXX to XXXX. I had recently paid the credit card off and started to use this card again and have had no payments over 60 days delinquent.
Product: Credit reporting or other personal consumer reports

I do not wish to contract with experian. If these accounts are not removed. i will follow up and with a letter to cure and also a ntice of lawsuit. It is againt the fcra to furnish anything onto my credit report withoiut my consent. & i have never done business with experian. If i have please send contract. if not remove XXXX XXXX, XXXX XXXX and XXXX. i will give 30 days then i will follow up with letters sent certified mail to start my lawsuit process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided my PII to XXXX XXXX for the purposes of a soft credit pull for prequalification without an impact on my credit score. XXXX XXXX then provided my information to XXXX XXXX  in XXXX MD who performed a hard credit pull without my explicit authorization or knowledge. This negatively impacted my credit score.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and am requesting the removal of specific accounts from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were part of the data breach, and I believe that they should be blocked and deleted from my credit file. 
The accounts affected by this breach are as follows : 1. DEPT OF EDUCATIONXXXX - XXXX - XX/XX/XXXX - {$0.00} 2. DEPT OF EDUCATIONXXXX - XXXX - XX/XX/XXXX - {$0.00} 3. DEPT OF EDUCATIONXXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. DEPT OF EDUCATIONXXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXXNELNET - XXXXXXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  - {$0.00}
Product: Mortgage

SENECA MORTGAGE SERVICING XXXX XXXX XXXX XXXX, NY XXXX REQUEST : SENECA TO STOP COLLECTING PMI, AND REFUND ALL PAID PMI Our mortgage loan from XXXX was transfered to XXXX XXXX XXXX XXXX ( XXXX ), on XXXX XXXX. 
XXXX XXXX XXXX XXXX ( XXXX ) according the PROMISSORY NOTE reduced all ESCROW COLLECTIONS FROM {$200.00} to {$87.00}, for period until XXXX XXXX, and ELIMINATED Private Mortgage Insurance ( PMI ). An ANNUAL ESCROW ACCOUNT DISCLOSURE STATEMENT was sent to us, from XXXX on XXXX/XXXX/XXXX, with effective XXXX/XXXX/XXXX, and monthly payment {$940.00}. Shortly thereafter, XXXX transferred servicing right to SENECA MORTGAGE SERVICING LLC. 
On XXXX XXXX SENECA confirmed this transfer, and WROTE THAT NOTHING WOULD BE CHANGE IN OUR LOAN. We paid monthly {$940.00} monthly to SENECA ( look Mortgage Statement from XXXX XXXX ). 
But, later began to send letters for payment, and without any reason ADDED PMI, AGAINST THE PROMISSORY NOTES, INCREASED EVERY FOUR MONTHS, OUR MONTHLY PAYMENT, ANY OUR REMARK OR REQUEST TO STOP INCREASING THE MONTHLY PAYMENT, SENECA IGNORED! 
PMI is not INCLUDED in PROMISSORY NOTE, and SENECA HAS NOT RIGHT TO TAKE THIS. 
In the letter from XXXX, from XXXX XXXX is this explaned, also! 
WE ARE ENTITLED TO A REFUND OF ALL PMI PAID! 
IF SENECA AGAIN IGNORED TO SATISFIED OUR REQUEST, THIS CASE WOULD BE ACCORDING ARIZONA DEPARTMENT OF FINANCIAL INSTITUTION, SUBJECT TO THE COURT! 

******** AFTER THIS LETTER, WE CONTACTED XXXX XXXX, AS LOAN GIVER-INVESTOR TO HELP US, BUT XXXX XXXX NEVER GOT ANY ANSWER FROM SENECA. 
We pressed SENECA, TO STOP INCREASING OF OUR MONTHLY PAYMENT, XXXX ASKED TO RETURN ALL IRREGULAR TAKEN MONEY FOR ADDED PMI IN OUR LOAN, BUT WE NEVER GOT ANSWER FROM THEM. 
ON XXXX, we got the letter from SENECA , THAT SENECA SOLD-TRANSFERED OUR LOAN TO " XXXX '' MORTGAGE LLC. ( look letter from XXXX/XXXX/XXXX ). Probably to avoid following consequences! 
We contacted XXXX XXXX in XXXX, XXXX and XXXX many times but they could not do anything. 
In between, XXXX asked for payment the loan, and never want to TALK WITH US. WE WANTED NO TO BE LATE WITH OUR PAYMENT AND SENT PAYMENTS, FOR THESE MONTHS, to " XXXX XXXX ''. WE ARE NEVER IN ANY DEPTH AND NEVER LATE WITH OUR PAYMENT. 
iN FACT, SENECA TOOK MORE MONEY FROM US, ADDED PMI, since XXXX XXXX to XXXX XXXX. We need this money back, and all reduction in our loan.
Product: Mortgage

I have submitted my refinance loan application on XX/XX/2020 along with all required tasks and docs including tax returns, XXXX for credit inquiry and large deposits and asset statements. 

I have called and emailed multiple times to get status update but no response for over a month. It is now XX/XX/XXXX. It has been 43 day without any human contact or updates. 

I have no started shopping for another lender and realized that they have pulled my credit report which affected my credit score to drop from tier XXXX to tier XXXX. 

I feel that they sidelined my refinance application because I am XXXX and regulations and review takes much longer during this pandemic. 

It is unfair that they don't respond or dump XXXX applicants for over 40 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received communication from Equifax, XXXX, and XXXX attempting to collect an alleged debt. 
I send a letter to Equifax, XXXX, and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants Equifax, XXXX, and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. 
* All statements while this account was open. 
* Have any insurance claims been made by any creditor regarding this account? 
* Yes * No * Have any Judgements been obtained by any creditor regarding this account? 
* Yes * No Equifax, XXXX, and XXXX never responded! 

Furthermore Equifax, XXXX, and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represented the character other Violations under 15 USC 1692 e that Equifax, XXXX, and XXXX is implementing itself. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore Equifax, XXXX, and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XX/XX/2021. Cease reporting this debt immediately or face legal action. Equifax, XXXX, and XXXX lacks permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 

XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE UNAUTHORIZED CREDIT INQUIRIES ON MY CREDIT REPORT. THEY ARE LISTED BELOW. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes please. Thank you.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to formally request the deletion of certain remarks from my credit report maintained by your agency, purst to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e . It has come to my attention that there are inaccurate and damaging remarks on my credit report, which have adversely affected my creditworthiness and financial standing. I believe these remarks do not reflect my current commitment and responsibility toward my financial obligations. I would like to emphasize that these remarks are not only incorrect but also violate the provisions outlined in 15 USC 1681e of the FCRA, which requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. Furthermore, I am exploring legal options to address this matter, including the initiation of a lawsuit if necessary. Please consider this letter as formal notice of my intent to pursue legal action if the inaccurate remarks are not promptly removed from my credit report. I kindly request that you investigate this matter promptly and provide me with written confirmation of the deletion of the inaccurate remarks from my credit report within a reasonable timeframe, such as 3 days from the date of this letter. Failure to comply with this request will leave me with no choice but to take further legal action to protect my rights under the FCRA. 

XXXX XXXX  XXXX Update status on dates followed to current/paid as agreed. 

Dates : XXXX Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the deletion of the inaccurate remarks from my credit report.
Product: Debt collection

Meridian Financial Services Inc refuses to issue out to me legal documents.So I can verify the debt and my signature.I am requesting a deed and legal documents pertaining to the acct # XXXX.I have spoke to a XXXX XXXX XXXX.The Account Mgr for this account.All they keep telling me is that they sent it out the infoI haven't received any info on the account.I am requesting that this account be removed from all 3 credit reports.I am requesting that this be sent back to the resort for fraud investigation.This isn't my time share.There is my debt.This is a grave violation of FDPA and the FCRA.Meridian is not trying to help me.
Product: Debt collection

I receive at least 2 calls a day with voicemail. This has been ongoing for the past 3 plus months that I can recall. I called back to request to be taken off the call list and the agen was rude and dropped the call.
Product: Checking or savings account

I overdrafted by {$27.00} they charged me XXXX * XXXX. That's a lot.
Product: Credit reporting

Experian continues to list items on my credit report that have reached its Credit reporting statute of limitations of 7 years. I have filed multiple disputes to have these removed from the credit report, and they keep refusing to remove them stating that they have already investigated and will not conduct a new investigation. The other XXXX credit reporting agencies, XXXX and XXXX have removed these negative items, but Experian will not. Here is a list of negative items being reported by Experian that have reached the statute of limitations for reporting : XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX I would really like them to follow up with a proper investigation and remove these items, which should no longer appear on my credit report as the other XXXX credit reporting agencies have done
Product: Credit card

To whom it may concern, Regarding the following disputes : XXXX & XXXX charged on my Citi XXXX card. 

I attempted to cancel the services from the company called : myperfectcoverletter.com prior to being charged with the company. I spoke to a rep over the phone, but never received a confirmation. I have no email confirmation of the cancellation prior to the charges. The company was reached out to multiple times, explaining that the services were meant to be cancelled, but I would continue to see charges. The services provided by the company were limited to me using them only during the trail period, nothing more and nothing less, no other documents or services were used, therefore, nothing should have been charged to my credit card. 

The company refuses to acknowledge how unfair these charges are. I am asking for both disputes to be evaluated and for the credit to be permanent as I did not receive any services from the company that justified their multiple charges on my account. Citi bank has been unable to understand the difficulty of me providing proof of the cancellation when none was provided to me by the merchant, which is exactly the problem here. 

Respectfully, XXXX XXXX