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

XX/XX/year> Subject : Request for Investigation and Correction of Inaccurate Late Payments on My Credit Report Dear CFPB, Following your agency 's completion of the investigation as outlined in this complaint, I am writing to request a detailed description of the investigation process followed by Experian regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
I recently reviewed my credit report and noticed that my XXXX XXXXXXXX account includes inaccurately reported late payments. I have consistently paid this account on time, and there have been no late payments. As a credit reporting agency, Experian is required to report all information with complete accuracy. Therefore, I am requesting that you investigate this account and update the payment status to reflect timely payments. 
Summary of Errors and Discrepancies : In reviewing the payment history, I have identified discrepancies in reported late payments that do not match my actual payment record : XXXX reports a 30-day late payment for XX/XX/year>. 
XXXX and Experian report a 30-day late payment for XX/XX/year>. 
These entries are incorrect and negatively impact my credit profile. According to my records, all payments were made on time, and no late payments should appear on this account. 
Legal Basis for Dispute : Under the FCRA ( 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) ), my consumer report should not contain information that inaccurately reflects my payment history. Inaccurate reporting of late payments is a violation of the FCRA and misrepresents my creditworthiness. Additionally, sections 15 U.S.C. 1681i and 1681s-2 mandate that credit reporting agencies, including XXXX, correct any inaccuracies or incomplete information to ensure maximum accuracy. 
Requested Action : I request that Experian conduct a comprehensive investigation into this account and remove the inaccurate late payment entry to reflect my accurate, on-time payment history. 
Please provide a description of the procedures used to verify the accuracy of these entries and confirm the removal of these inaccuracies in writing within 30 days of this complaints submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the corrections within the timeframe mandated by the FCRA. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I told Experian, XXXX and XXXX to investigate this account XXXX  XXXX XXXX Date opened XX/XX/2013 however they stated everything was complete and accurate.but how is that possible ion the open date date of last activity and much more is incorrect. According to 15 usc 1681 ( 5 ) they are supposed to modify accounts that are not reporting correctly.

15 u.s.c.1681 section 602 A. state I have the right to privacy 15 u.s.c 1881 section 604 a section 2 : also states a consumer reporting agency can not furnish a account without my written instructions 15 u.s.c. 1681 section 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information, other than record of convictions 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 cause to believe that the information is inaccurate. 

also they are not in compliance with metro 2 credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act TransunionXXXX XXXX XXXXiolated my rights under 15 Usc 1681 section 602 A. States I have the right to privacy. 15 Usc 1681 section 604 A. section 2 Also states a consumer reporting agency can not furnish a account without my written instructions please help me with this matter as soon as possible thank you
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX, XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX  XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Mortgage

I requested my Mortgater My LoanCare XXXX to remove my Escrow ( county Taxes and Hazard insurance ) from my loan on XXXX XXXX ( Ticket # XXXX ), since I decided to pay my insurance and taxes Out of Pocket. I also requested them to remove my insurance ( XXXX ) information as I was changing my Insurance company. But even after that paid {$910.00} to my old insurance ( XXXX ) company from my escrow. 

Then I requested them again on XX/XX/2020 ( ( Ticket # XXXX ) to remove Change my Insurance information from XXXX ( XXXX XXXX XXXX ) to XXXX XXXX XXXX  I clearly mentioned to them that I have paid the amount for new insurance Out of Pocket. I requested them to do all the previous corrections, but instead, they again sent me an email stating that they paid ( disembursed money ) of amount {$680.00} from my escrow account. I called them again on XX/XX/XXXX at XXXX XXXX Moutain time stating my problem. The lady on phone repled that they never received any request and said I need to upload a signed document requesting it. She said the amount they had paid to my previous insurance company will be refunded by the insurance company but after calling the insurance company they said that they never received the check or any money form my mortgager. 

I called LoanCare XXXX back on XXXX XXXX at XXXX am telling them that neither of the insurance companies received any check. The lady from Insurance department ( XXXX ) called XXXX on a conference call and enquired about the transaction and XXXX confirmed that they never received any money. After the group call, she told me that the money ( {$910.00} ) will be shown in my Escrow balance in 3-4 business days. But the money they paid to my new insurance ( XXXX XXXXl {$680.00} ), she said I would get it through refunded from the XXXX XXXX and she gave a check number ( XXXX ) as a reference to contact XXXX XXXX   te get a refund. 

Today is XX/XX/2020 and none of the insurance companies has received any check form XXXX, which clearly indicates that this mortgage company is doing fraud with me by taking my money. They are not refunding my money ( XXXX + XXXX = {$1600.00} ). 

It is questionable how can they charge me money when I made a request to remove my hazard insurance and tax from escrow ( XX/XX/XXXX ). Moreover, their intentions are clearly fraudulent when they ignore my request stating that I HAVE PAID my insurance OUT OF POCKET ( XX/XX/XXXX ). The insurance company ( XXXX XXXX ) also stated today that they have not received any check ( which was sent on XX/XX/XXXX XXXX and XXXX had mentioned not receiving any money on XX/XX/XXXX in the conference call. 

I need a total amount of {$1600.00} to be added to my Escrow balance, then remove all my liabilities ( insurance and taxes money ) from my escrow and refund me total escrow balance including the previous balance. 

Thank you
Product: Checking or savings account

I already have a Bank of America credit card and a XXXX XXXX investment account. For the last few months, I kept receiving promotional emails from Bank of America, encouraging me to open a Bank of America checking account by the end of XX/XX/XXXX, and earn a {$300.00} cash bonus. On Friday, XX/XX/XXXX, I went into the Bank of America Financial Center located at XXXX XXXX XXXX XXXX, XXXX, IL, XXXX and talked to a financial solutions advisor named " XXXX XXXX ''. It took a really long time, and she had to get multiple approvals from the branch manager, as well as the account opening supervisor on the phone, however, she was able to finally open a checking and a savings account for me : Checking Account # XXXX Savings Account # XXXX On XX/XX/XXXX, I noticed I could not login to my online banking account. I immediately contacted Bank of America on the phone afterwards, and was told that my deposit accounts ( BofA checking and savings ) were being closed, and the only reason the agent on the phone provided to me was that Bank of America has made the business decision not to do business with me, which does not make sense to me at all, since I am already doing business with Bank of America by having a premium credit card account and a XXXX XXXX investment account. The only reason I decided to apply for these deposit accounts were the targeted cash bonus emails they kept sending to me on a bi-weakly basis. 
Given that I have no negative remarks on any of my credit reports as well as my XXXX XXXX, and my business relationship with Bank of America has been satisfactory so far for both parties, I would appreciate it, if Bank of America could reconsider the decision to close my newly opened accounts, and reopen the aforementioned checking and savings accounts. Thank you for your time and consideration. 
-XXXX XXXX
Product: Debt collection

Im a victim of a data brench, Im a victim of identity theft and ive tried to reach out to this company to explain to them i dont knw where this is coming from but its effecting my credit an my personal life
Product: Mortgage

I reporting reporting illegal actions by my mortgage company or service center ( Seterus ). Today is the XX/XX/2015 i paid my mortgage on XX/XX/2015 .My comfirmation # XXXX. My loan number is XXXX. I went to my property on XX/XX/2015 which was a thursday and saw my lawn was cut. I check with my gardener and he admitted that he was coming tomorrow to cut the grass and edge. The problem is that i am not XXXX late or nor am i in foreclosure. My mortgage is current and thought i was late on my paymentit was still done within the month it was due. This does not necessate ( Seterus ) to dictate and have people come on my property and due grass cutting or anything of that nature. The property is not abandon it is under renovation. There is current activity in and out of the building due to repairs an renovation activity. There is no reason for them tpo send someone to my property to grass my grass. I have a gardener to come twice a week to take care of that job. They have no right to do this without justification .The house and its maintance is being care for by me .They have done this before and try to bill me for the service. The point is the grass was not that high to were it did n't show someone was tending to the lawn care and general needs of the property. They need to be notify to cease and desist activity .If they come with applying this to my mortgage this would not be fair and a violation my home owner rights. I appeal to you for assistance to this matter, because i do n't think they do such antics to a home owner that is keeping up with he mortgage payments. Also a reminder to house is not in foreclosure are behind in the mortgage. Will you be able to help stop them doing such activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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
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. Account name : XXXX CARD # XXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX BANK # XXXX account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXXXXXX # XXXX Account name : 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. And i have filed police report This is not my accounts They are fraudulent I repeat they are fraudulent accounts
Product: Debt collection

On XX/XX/2023, I reached out to my bank as I noticed a total of {$7500.00} was deducted from my account. They informed me it was a garnishment of wages and gave me the number associated with the charge. 

The next day, XX/XX/2023 at XXXX am, I had called Tenaglia & Hunt ( as suggested by my bank ) at which I informed them regarding the amount deducted from my account. Upon checking their system using my social security number, they informed me there was no information on file associated with my informationp and to reach back to my bank. I had called my bank again at which they informed me it was a debt collection which is concerning to me as I have no debt. I have called Tenaglia & Hunt to clarify and rectify the situation but have been sent to voicemail each time. Since my initial call with Tenaglia & Hunt l, they have been surprising unavailable and not returning my calls. 

I would like to rectify this situation being that their system has no recorded of debt owed and was caused myself emotional distress/ uncertainty with my financial situation.
Product: Student loan

I paid my loan off in full and they ask me for a {$30.00} fee. First they call it interest. I complained that there is no interest in the first year. Than they call it pay off fee. I complained there is no pay off fee. Now the call it late fee, because the claime I send the pay off check to late. The date for the mtl. fee ( was paied by my companie before ) the XXXX of the month, with a grace period of 10 days. I send the check on XXXX and I will pay the late fee ( witch is in the contract {$15.00} ) if they can proof to me that the check came in after the XXXX. This conversation I hat on Mon.XXXX. On Tue.XXXX, the check was cashed out of my account. Accourding to my bank, a check takes 3-4 business days to get cashed out of my account. So they must have hat the check before XXXX. There explanation : The XXXX was a Sun. and the Post Office is closed. The XXXX was a Sat. and we don't pick up mail on Sat. and you have to pay the fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

For my XXXX Report there are inquiries on dates of that I didnt apply for and that I requested to be removed ( XXXX XXXX XXXX, specifically ) There are also inquiries on my XXXX Report that I dont recognize as well
Product: Mortgage

ComplaintDescription of the complaintOn XXXX XXXX, 2015 I received a letter from them that my mortgage has been transfer to another company and they do not give me information on the company and why are they transfer my mortgage who gave them the right to determine who I would like to be my mortgage company please investigate Wells Fargo Home Mortgage to ensure that the are following United States Federal Regulations and any misconduct and mismanagement all individuals involved be convicted according to United States Federal LawHow complaint can be satisfactorily addressedI would my Mortgage to remain with Wells Fargo and if I wanted a different mortgage I would request when do the bank tell you who got to do business this was my choice and my right as United States Civilian
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Midland Credit Management is Reporting Inaccurate and Incorrect information on my Credit Report. XXXXXXXX XXXX Claimed The Tradeline has been Deleted but MIDLAND CREDIT MANAGEMENT Has Furnished an Inquiry on my Credit Report without Verify it as Usual. I do not have any Contractual Agreement with Midland Credit Management or any written Agreement with them whatsoever. I need that XXXXXXXX XXXX Account Deleted from My Credit Report and a Letter sent to me and All Credit Reporting agencies stating so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit inquiry from " Premium Cred '' that I did not request on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Acceptance Corporation has had my account listed as closed since it was transferred to a collection agency back in XXXX it has since been reopened ( XX/XX/XXXX ) and they have recently reported me 120 days past due which is inaccurate since there has been no activity on the account since XXXX. They are not even the ones housing the account it has been sold to a collection agency so they are reporting this illegally to the Bureau per the Fair Credit Reporting Laws .Every time I call them they have a different excuse / dispute process and wont give me a proper timeline to resolve the issue even though i have been told multiple times that the information would be deleted and updated. It should be updated that it is in Collections not 120 days past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted dispute letters to Experian, Transunion, and Equifax on XXXX/XXXX/XXXX regarding collections accts that I did not recognize and did not receive a credit report showing investigation results or any other type of correspondence letting me know the status of the items I disputed.
Product: Checking or savings account

I received a check from my job on XX/XX/XXXX, and the teller refused to cash it. She said it was from XXXX  XXXX XXXX and she could not cash it. She said if I took it to XXXX XXXX XXXX which is directly next door to Citizens Bank I could cash it for free. I was charged {$8.00} fee because I do not have an account with XXXX  XXXX XXXX. The teller at Citizens could have cashed my check, I have direct deposit with my work checks every 2 weeks. This is another example of how the tellers at this bank go out of their way to cause me fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the company and told them that this debt was not mines I also mailed them letters disputing this inaccurate information. 
XXXX I certified & mailed letters to each credit bureau reporting this inaccurate information asking them how they came about this information.

I also showed proof that this account was previously deleted and I provided the report # associated with this information.

They continue to report and revolve PAST DUE on a collection that has already been disputed. They have not provided me with my signature on any of the accounts that they say were verified.
Product: Credit reporting or other personal consumer reports

I consistently ensured timely payments, so why is there an error in my credit report? I want those accounts to be accurate, updated, and reflecting on-time payments. I sincerely hope such occurrences will not repeat in the future.
Product: Credit card

I apply for an Amazon credit card and went through a process to where I had to do a XXXX minute video of my face online through that process. I also had to photograph the front and back of my driver license and it wanted to know the state where II apply for a Amazon credit card and went through a process to where I had to do a XXXX minute video of my face online through that process. I also had to photograph the front and back of my driver license and it wanted to know the state where I receive my driver license, and then I had to process all of that and send it with that. I received a passcode and a phone number to call when I called that number the person on the other end requested my passcode that I received after taking the photograph and my phone number and home address, and my Social Security number, they put me on hold and came back online and said I was approved for a Amazon secured card and I asked what does that mean and what is that because I applied for Amazon credit card they said I wasnt approved for Amazon credit card because of my credit history, so therefore, I was approved for a Amazon secured card with a passcode giving to me for transaction proval then I was ask or was told too deposit {$100.00} as of today as we speak on that card that I was approved of. I said I didnt have it today maybe on the first of next month they didnt approve of that they sent if I did not have the XXXX XXXX today or next month they will have to cancel I said with that being said, go ahead and cancel everything delete all my personal information and etc.. I reporting this because I felt like I dont know if they were legit or illegal but they have all my information and I wanted to report that just in case Technicality to follow behind this transaction
Product: Credit card

A {$41.00} late fee was assessed to my Citi Bank credit card account for missing my payment deadline by XXXX day. I called and requested for it to be removed, but they declined to remove the late fee. The fee was assessed after the changes limiting credit card fees to {$8.00} were enacted.