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

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Equifax Information Services XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting those accounts for. This has cause me great anxiety, stress, and financial hardship.
Product: Mortgage

In XX/XX/XXXXXXXX  I sent a check to cover my escrow shortage for the year XXXX. At the beginning, NewRez did nothing to properly apply the payment to the escrow account although they had cashed the check. I contacted the company many times via emails and correspondence, but they never applied the payment. Then they sent me a monthly statement that showed a zero balance for XX/XX/XXXX. I noticed that, instead of applying the payment to the escrow shortage, they applied it to the regular monthly payment of XX/XX/XXXX. I contacted them again, but they never reply or correct the situation. I made a call to see if I could resolve this that way, but the person answering the call did not have a notion of what was happening. She told me I had to contact the accounting office but could not provide me with an address or phone number for that office. The case remains unresolved. I made a payment for the month of XX/XX/XXXXXXXX  anyway since the payment for escrow should be moved to the escrow account. 
I am sending to you a portion of all the information I have developed through my efforts and will provide a full packet if provided with a physical address for CFPB. 
I sincerely hope you can help this XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under 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. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

XXXX XXXX XXXX Date Opened XXXX XXXX XXXX XXXX  Balance XXXX {$100.00}
Product: Checking or savings account

I recently received a bank card from MT bank, which I have never heard of. I did call the bank and they did warn me that someone opened an account with them and they arready blocked it anyway. They had my social security, of course my name and Address. The card came to me home address. The bank did tell me to let the Credit bureau know that my identity as been stolen. Therefore I m letting you know that someone has my SS # and they are trying all sort of things please put a stop to it as soon as possible. 

Thank you
Product: Credit card or prepaid card

About three weeks ago, on XX/XX/XXXX I approached the bank representative at Huntington Bank on XXXX XXXX XXXX XXXX in XXXX Ohio to inquiry about a secured credit card or an unsecured credit card as I am attempting to establish credit. XXXX XXXX advised me that I was approved for a secured and I would receive it within a business week. 

I received a Letter of Denial due to no prior credit history. I called XXXX XXXX on XX/XX/XXXX and she advised that she did not tell me I was approved although she did have access to my credit history ( or lack thereof ) I am at a loss as to the services at Huntington Bank can offer a customer attempting to establish credit and there were no other credit options provided. 

This Letter of Denial can affect my military security clearance and promotion and I do not believe that full disclosures were made prior to application.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items being incorrectly reported on my credit report, related to inquiries that I do not recognize. I have contacted the companies directly, and have been told that they are unable to assist. Not only are the inquiries unfamiliar, they are inconsistent. Please see a list below : 1. XXXX XXXX/ XXXX XX/XX/XXXX 2.  XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4.  XXXX XX/XX/XXXX 5. XXXX/ XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX
Product: Checking or savings account

Subtrust bank does not want to for my bank fees that were caused by them, They allowed XXXX XXXX to take out they're monthly fees but not annual fees which in turn caused XXXX XXXX to charge me a late fee. When I tried to resolve the issue that they caused, they told me to call XXXX XXXX. I told them XXXX XXXX had nothing to do with this and they refused to pay the fees that they caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving a credit alert about Capital One reporting a negative account to all three credit bureaus, I immediately contacted them. They told me that this account was being used and payments were being made to the account. I 've never received any credit card from Capital One and never even knew I was approved for the credit card. Capital One did mail me a document clearly stating " I will not be liable for any of the unauthorized charges '' which contains a list of items. They then did their job and removed it from my credit report, but one month later they illegally reinserted it into my XXXX XXXX credit report. After I called XXXX XXXX, they told me they switched the account numbers up but it certainly is the same account with a balance due of {$2900.00}. I was not notified of this by mail, as required by the FCRA. XXXX XXXX said it might be a mistake by Capital One so I called them back and they confirmed it. I have a copy of the XXXX XXXX report showing this account was deleted by Capital One on XXXX/XXXX/17. Now it was reinserted illegally.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts below are closed and PAID. They are reporting on my credit report and I want them DELETED. I dont owe any money on these accounts and they are reporting negative on my credit report and I want these accounts removed and DELETED. Also, they are not reporting on my XXXX or XXXX. 

XXXX ACCT # XXXX Highest Balance : {$2200.00} Balance : {$0.00} XXXX ACCT # XXXX Highest Balance : {$3500.00} Balance Owed : {$0.00} XXXX  ACCT XXXX XXXX Highest Balance : {$6000.00} Balance Owed : {$0.00} XXXX  ACCT # XXXX Highest Balance : {$3500.00} Balance Owed : {$0.00} XXXX ACCT # XXXX Highest Balance : {$6000.00} Balance Owed : {$0.00} XXXX ACCT # XXXX Highest XXXX : {$1700.00} Balance Owed : {$0.00} XXXX ACCT # XXXX Highest Balance XXXX {$3000.00} Balance Owed : {$0.00} XXXX  ACCT # XXXX Highest Balance : {$6000.00} Balance Owed : {$0.00} XXXX ACCT # XXXX Highest Balance : {$3500.00} Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to clean my credit report and I am informing that the account XXXX in the amount of {$1600.00} and account XXXX in the amount of {$4800.00} are not my accounts. I have been a victim of identity theft and have no recollection of these accounts. Consumer Law SECTION 605 A 15 U.S. CODE 1681 C-1 states : The banking system is dependent upon fair and accurate credit reporting.

SECTION 605 B 15 U.S. CODE 1681 C-2 states : a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate ; block of information reported as identity theft.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a personal loan several times and it keeps getting denied. When I contact Navy Federal for the reason of denial, they simply say I caused the company a loss. I have not caused a loss within the 7-10 year reporting period on my credit report. The company still has not provided me a legal reason for denial.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet recently reported my account with them 120 days past due ( XX/XX/XXXX ). My account with them was paid in full bank in XX/XX/XXXX yet the insist on reporting my status as 120 days past due. The loan was paid in full. I have no business with them and haven't in over 3 years.
Product: Credit card or prepaid card

I had filed a dispute for {$75.00} for XXXX XXXX for a XXXX XXXX and XXXX XXXX for {$80.00}. Which was later reversed after I expressed my reasons and displeasure with both. I did not authorize XXXX XXXX to charge my card. And in regards to the other service my acrylic nails wasn't properly installed on my fingernail tips. I'm very upset that I had to file a complaint against capital one. But this issue has not been fixed. I sent in the required documentation but it seems like they decided to side with the merchant when i should've gotten my refund.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint concerning my ongoing and unsuccessful attempts to dispute inaccurate addresses, collections, and inquiries on my credit report. Despite numerous efforts, these inaccuracies persist, tarnishing my creditworthiness and causing financial harm. 

The specific issues I am disputing are as follows which needs to be remove by the credit bureaus : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX MO CHLD SPRT XXXX Balance Owed : {$990.00} XXXX XXXX XXXX XXXX Balance Owed : {$90.00} XXXX XXXX XXXX XXXX XXXX, MO XXXX MO CHLD SPRT XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$90.00} XXXX XXXX Balance Owed : {$130.00} MO CHLD SPRT XXXX Balance Owed : {$1200.00} XXXXXXXX XXXXXXXX Balance Owed : {$130.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. 

I have taken the following actions to address these issues : Subsequently, I followed up on to inquire about the progress of my dispute and request updates on the investigation. 

Despite my persistent efforts, the inaccurate addresses, collections, and inquiries remain on my credit report, causing significant financial distress. 

The Fair Credit Reporting Act ( FCRA ) requires the accurate reporting of consumer credit information. It is imperative that my credit report accurately reflects my financial history and does not contain any inaccuracies that could harm my financial standing. 

I kindly request that you investigate and resolve these issues promptly by removing the inaccurate addresses, collections, and inquiries from my credit report. Timely resolution of this matter is vital for my financial well-being. Failure to address these issues within the specified time frame may lead me to escalate my complaint to regulatory authorities and seek legal remedies. 

Enclosed with this letter are copies of the relevant documents, including my credit report with the inaccuracies highlighted and proof of previous dispute attempts and communications.
Product: Debt collection

This account is not owed by me. I previously disputed the debt and it was investigated and removed only to be sold to another debt collector a short time later. I have mailed letter and disputed the debt via the credit bureaus. This account is fraudulent and I provided proof of the dates I lived at the address tied to this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB Card or the credit bureau 's have removed this account from my credit report however when I pulled a new credit report and I noticed that the account re-appears. I referred back to the FTC " Guide to assisting identity theft victims '' and it states that I should have received notice 5 days before they added the item back on my credit so it's been re-inserted illegally. I believe the person who has taken my personal information is someone who lived at a previous residence and I am a non confrontational person and I don't want to see anyone in trouble but this account is preventing my fiance and I from purchasing a home so I have taken the time to go to XXXX  and spoke to officer XXXX who advised me to file an FTC Identity Theft Affidavit and obtain as much information as possible from the furnisher so my police report is not vague so they can complete an investigation which may unfortunately lead to an arrest.
Product: Debt collection

On Sunday XX/XX/29 I received a text alert from XXXX XXXX that a collection account was added to my credit report from XXXX XXXX. I was not notified by mail that they were attempting to collect this 6 year old debt. Therefore I was not afforded the opportunity to ask for proof. This was placed on my credit report instead before I was afforded the opportunity to dispute this. The original creditor was XXXX XXXX for {$280.00}.
Product: Credit reporting or other personal consumer reports

I have multiple inquiries in the last few days I didnt make do hard inquiries in my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is trying to collect on behalf of XXXX for an unknown debt. XXXX XXXX XXXX has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a RE-INVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$130.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # 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
Product: Checking or savings account

Promotion terms : Get {$120.00} when you go XXXX XXXX, when you sign up for XXXX in the next 4 days and deposit $ XXXX within your first week, you can earn a {$120.00} reward. 
Your deposit can earn a 1 % boost*, plus 5 % APY** when its held as cash. 

Ive signed up for XXXX and completed all the requirements, yet I still havent received the bonus as advertised. When I reached out to customer service, what they did was to restrict my account and require documentation. Once thats cleared out, the case kept getting transferred to various teams without any updated. This is fraudulent and unethical business practice.
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX, and XXXX are reporting inquiries that I do not recognize and did not authorize. These inquiries are causing me damages. 

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 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 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 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

This complaint is to follow up on my previous complaints and letters I submitted on XX/XX/2022, and to inform Experian that I am halfway of taking legal action and sue them for their willful non-compliance of the FCRA statute. Only if the Credit Bureaus chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The account that should be corrected is : XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

Won a lawsuit against XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX. MI XXXX in the amount of {$5.00}, XXXX for destroying my driveway. They did not pay, On XX/XX/XXXX XXXX  a request for WRIT FOR GARNISHMENT was filed with XXXX XXXX XXXX XXXX XXXX, XXXX MI, XXXX against 5TH THIRD BANK, XXXX XXXX XXXX XXXX MI XXXX. I Received notice from the court on XX/XX/ that XXXX XXXX XXXX had " NO OPEN ACCOUNTS '' with Fifth third. I run a small landscaping company and at one time acctually bought Mulch from XXXX, I have two cancelled checks payable to XXXX drawn on Fifth third I used to pay for this mulch, made in the order of " pay t o the order of '' XXXX XXXX, I feel more investigation may be due, is some one twisting words, and XXXX is running over more people in our town as I am not the first this has happened to. They also hold a lot of monies witch could possible sway decisions. 

The bank Representative was XXXX XXXX LEGAL OPS. SPECIALIST FIFTH THIRD BANK, XXXX
Product: Credit card or prepaid card

This is in regards to Synchrony Bank Belk Ceedit Card. I made a two purchases on XX/XX/2020. I initially wasnt getting any bills. Once I remedied that issue, i paid the account. The payment was applied to the wrong account. I paid tha account in full. I continued to re eive bills for the ammounts of XXXX and XXXX but now with interest added. After numerous calls, which they have documented, i got a refund and a Notice of Right To Cure Default in XX/XX/2020. I continued to receive bills with the same billingand made more calls into XX/XX/2020 when I was told i had no other issue. I now have received email noticea that i now owe XXXX. Please assist me in getting this issue cleared up and make sure my credit score has been affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to purchase a new home in the next 6 months and upon checking my credit profile in all the bureaus, I was alarmed by multiple accounts that I never authorized. On XX/XX/2021 I filed a police report with my local police agency as well as filed an id theft affidavit with the all the accounts and account numbers listed. I was instructed to send those documents along with a brief statement and copy of my photo id to all three credit bureaus. That was done onXX/XX/2021.From that request only two of the accounts were removed and the rest were left on my reports. I am a victim here and I am not getting help from the bureaus where the fraud is still showing on my consumer reports. Please help!!
Product: Money transfer, virtual currency, or money service

I now have reason to believe that I may have been scammed out of some of the money I have been sending to an online person. This involved 3 separate transactions, one of which I actually was refunded for ( {$300.00}, Sent XX/XX/XXXX, refunded on XX/XX/XXXX ) which is good. The other 2 I know I will not be however ( Both Sent on XX/XX/XXXX for {$40.00} and XX/XX/XXXX for {$50.00} ). All transactions went through PayPal. 

The reason I believe this could ultimately be a scam is because of this person wanting that {$300.00} that was refunded to me sent back to a different account using XXXX. XXXX did flag this transaction as a possible scam, which I ended up not sending. This now has me questioning this person entirely.
Product: Debt collection

So this debt collector is impossible to get a hold of and they are charging me every month as the debt increases this lease was handled all wrong me and the leasing coordinator agreed that I would move early and return apartment even after this they falsely claimed I was there and collected rental relief that the state was giving during COVID 19 in which they were in agreement upon taking any relief funds that they could not go back later and charge any tenant with eviction or seek unpaid rent in which many landlords are and hireing these collectors to try and collect a debt thats been handled making me a victim of there fraud and abusing the system and expolitong me and hundreds of others