23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom This May Concern, I have spoken with customer service representatives from XXXX XXXX and i was informed that they did not know why the account was reported as late payments received.This is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible : Inaccurately reporting Late payments on credit report when all payments were paid on time with XXXX XXXX Account The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 3 years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation.
Product: Money transfer, virtual currency, or money service

I purchased foreign currency ( including euros and XXXX XXXX ) from PNC Bank prior to my overseas vacation 3 weeks ago. Their website clearly states that " And when you return with excess currency, PNC can buy it back for immediate XXXX. dollars. '' There are not caveats, disclaimers, or limits listed. 
On my return to the XXXX, on XX/XX/XXXX, I brought my excess currency to PNC, and the teller immediately exchanged the XXXX euro note for {$5.00} XXXX, but when she processed the XXXX XXXX, she and a supervisor read that it had to be sent in first, before I would receive the XXXX equivalent of {$21.00} USD, and that it may take a couple days. A couple of days later, I received a call from PNC stating that they have a {$100.00} USD minimum buyback amount for XXXX XXXX, and they are unable to buy my note back. I spoke with the PNC XXXX XXXX, XXXX, at the XXXX PNC, and she filed a complaint for me. The next day, XX/XX/XXXX, I received a phone call regarding this complaint. The PNC woman told me essentially that because the department who handles currency exchange has a {$100.00} limit, the matter is settled. I advised her that their website currently says PNC buys back foreign currency ( with no disclaimers ). She kept looking for outs for PNC, and mistakenly referenced their foreign check cashing policy which does have caveats. I told her that 1 ) I am a PNC customer ( not a stranger on the street who found some foreign cash lying around ) 2 ) I purchased the very same denomination FROM PNC just 3 weeks ago and 3 ) PNC charges me both to receive the foreign currency, as well as cashing it back in, so I'm not sure why they are acting like they are taking a loss by issuing me {$21.00}, and 4 ) there is NO listed minimum buyback limits listed ANYWHERE. The tellers at the branch I turned it in to didn't even know about these limits. Very dishonest. As is the website. The woman on the phone told me that XXXX currency isn't a " standard currency, '' for them. Well, they were able to obtain it for me when I requested it, so I'm not sure why they act like it is something they have never encountered. Had I known there was a {$100.00} minimum buyback, I would have spent the rest of the money overseas.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I sent out a letter to TransUnion on XXXX XXXX to investigate this matter. I've tried to fix this issue with this company. It has been 45 days today XXXX XX/XX/2021 ) and no responses from them! I am a victim of Identity theft and have accounts reporting on my credit that are not mine! I have filed an Identity theft report with Identity theft.gov. This is not fair, and I want these accounts deleted from my credit immediately : XXXX account, XXXX XXXX, Avant, and XXXX Bank!
Product: Credit card

Kindly examine the attached documents. I am requesting the bureau to start an investigation into these accounts, as I am never tardy with payments, yet they are incorrectly indicating a late status.
Product: Debt collection

My student loan is due on the XXXX of the month. Today is the XXXX. So far I have received two calls today already from Navient. This happens any time that the payment is *late* ( however well within the grace period ). The first call was at XXXX XXXX my time.
Product: Debt collection

Dear CFPB, I am writing to formally dispute the debt reported by National Credit Adjust on my credit report, as detailed in the attached documentation. I do not acknowledge this debt as valid and request a complete and thorough investigation into the matter. 

Discrepancies Noted : The account status is reported inconsistently across XXXX and XXXX, with XXXX listing it as " Open '' and XXXX as " Closed. '' There are incorrect dates of last payment, with XXXX reporting XX/XX/XXXX and XXXX reporting XX/XX/XXXX. 
The payment status is also inconsistent, with XXXX reporting " Late 120 Days '' and XXXX as " Collection/Chargeoff. '' These discrepancies raise serious concerns about the accuracy and validity of this account. 

Request for Debt Validation : I formally request that National Credit Adjust provide the following documentation within 30 days : Debt Validation - A full validation of the debt, including the original purchase agreement between them and the original creditor. 
Proof of Licensing and Bonding - Documentation proving that National Credit Adjust is licensed and bonded to collect debt in my state. 
Proof of Ownership - Clear evidence that National Credit Adjust is the legal owner of this debt. 
Revocation of Communication Rights : Effective immediately, I revoke any and all rights for National Credit Adjust to contact me via phone, text, email, or any form of electronic communication. All future communication must be done via postal mail to the address listed above. 

I appreciate your prompt attention to this matter and expect a response within the statutory time frame. 

Sincerely,
Product: Debt collection

I am not familiar with these accounts whatsoever and have filed an identity theft report as I have been instructed by my legal representation the proper steps to ensure you remedy this situation. I HAVE NOTIFIED THE PROPER AUTHORITIES. I have been in contact with the company to challenge and verify this debt is mine with signatures and contracts to no avail. I have still received nothing. This is clearly an error and is NOT my account. I have noticed this for several months on my record with incomplete information and it has been hurting me financially unnecessarily as I have expressed. I AM NOT ASKING FOR A RE-INVESTIGATION THIS IS A DEMAND TO DELETE THESE INACCURATE AND FRAUDULENT ITEMS. 

ACCT # XXXX BALANCE -- {$1200.00} PLEASE SEE ATTACHED MY IDENTITY THEFT REPORT WITH ALL DOCUMENTS CONTAINING THESE FRAUDULENT ACCOUNTS .... PLEASE REMOVE I have notified my attorney at XXXX XXXX XXXX to stop the actions of your company from contacting me anymore as well as remedy this quickly pursuant to the law section 605B of the FCRA this fraudulent information needs to be deleted to avoid further legal action. I kindly demand your swift response to this matter and deleting these accounts from my reports immediately. Thank you.
Product: Debt collection

THERE IS A NEGATIVE ACCOUNT REPORTING ON MY CREDIT REPORT THAT IS FRAUDULENT AND HAS EXCEEDED THE 2 YEAR RULE.

THE NAME OF THE THE DEBT COLLECTOR IS : XXXX XXXX XXXX/Original creditor : XXXX XXXX. I ASK THAT THIS ACCOUNT BE REMOVED FROM MY CREDIT IMMEDIATELY. IT IS MY RIGHT UNDER THE FCRA. 
THERE IS ALSO A DEBT BY XXXX. THAT TOO, NEEDS TO BE REMOVED IMMEDIATELY.
Product: Debt collection

IN XX/XX/2018 I SWITCHED FROM THE WIRELESS CARRIER XXXX XXXX TO XXXX. XXXX PAID MY REMAINING DUES FOR MY PHONES ANMD LAST BILL. XXXX ISSUED A CARD WITH REMAINING PAYMENT OF {$1300.00} AND I PAID THE REST OUT OF POCKET. XXXX XXXX SAID THE ACCOUNT WAS PAID YET IT NOW SHOWS THAT IT IS IN COLLECTIONS. I HAVE DISPUTED WITH XXXX  AND THEY INFORMED ME THAT THE ACCOUNT WAS INDEED PAID AND THE COLLECTION WILL BE REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX to test drive a vehicle on XXXX XXXX, 2020. I left without purchasing a vehicle and continued to receive many notices of credit inquires days later after I had already said I did not want to purchase the vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4200.00}, {$440.00}, {$5800.00}, {$11000.00}, {$690.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$440.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- COLLECTION ACCOUNT 5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$690.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am bringing this dispute to Experians attention once again because the issue remains unresolved, despite multiple previous disputes. My payment status and history are still being misreported, and this ongoing inaccuracy is unacceptable. After carefully reviewing my credit report, I noticed that Experian continues to list my payment status as Current, was past due 30 days, which is completely false. Both XXXX and XXXX have correctly reported my account as Paid or Paying as Agreed, reflecting the actual status of my account. However, Experian has failed to align its reporting with the truth, which is causing harm to my credit profile. Not only is the payment status incorrect, but there is also a clear inconsistency in my payment history. XXXX has accurately reported it, while Experian has failed to do the same. This is a direct violation of 15 USC 1681e ( b ), which requires Experian to ensure the highest level of accuracy in the information it reports. I have already disputed this matter multiple times, yet Experian has refused to correct the error. This is a blatant failure to comply with 15 USC 1681i, which mandates that credit bureaus must investigate and correct disputed inaccuracies. At this point, the repeated failure to fix this issue appears to be a willful violation under 15 USC 1681n. I am demanding that Experian immediately update my payment status to reflect Paid or Paying as Agreed, just as XXXX and XXXX have accurately reported. There is no justification for this continued misreporting, and I expect this to be corrected without further delays. If Experian fails to address this issue properly, I will take additional steps to enforce my rights. I expect a prompt resolution and confirmation that this correction has been made.
Product: Mortgage

Fay Servicing has taken over one year to get our mortgage dealt with that they acquired XX/XX/XXXX. This has destroyed our credit file, they are unwilling to show current status XX/XX/XXXX, or give me a quick refi due to the over 9 % ( XXXX ) we are at now. It takes weeks to get an answer, and seems this is a top down mentality to ignore clients. I deal with delays due to communication for weeks, up to a month - that is with me emailing weekly doing follow up. 

All requested paperwork from Fay was sent in XX/XX/XXXX, at once. Then we are told they did not receive parts. We find that strange because it was all sent in as one package, to say you got some parts, but not all is suspect - which meant more delays. 

Many times I asked for a stays update, always saying not the right paperwork ( company canned answer ). I can prove my paperwork was sent in, however they choose not to act, instead ignore the facts. 

Finally after 4/5 months XX/XX/XXXX they put me on a Forbearance Agreement that lasted two months, then a Trial Modification Agreement that lasted four months, then finally after a year ( XXXX 5 months wasted ) my loan was modified to be current only - no mention of a better rate. In the meantime our credit file has felt these timely delays on the part of Fay Servicing only to result in a declined score. One would think that this is done by design to trap people in high rates and bleed them as long as possible, due to the unwillingness to work with their client. A simple XXXX search told me a lot.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am formally disputing the reported late payment on my credit report, as I believe this information is inaccurate. The FCRA mandates that all information reported to credit bureaus must be not only accurate but also verifiable. The law requires that creditors, data furnishers, and credit bureaus ensure the data they report is based on correct and substantiated information. 

In light of this, I am requesting that the creditor or data furnisher thoroughly investigate the accuracy of the reported late payment. Specifically, I ask that they provide clear and verifiable documentation or evidence that supports the claim of the late payment. This may include payment records, correspondence, or any other relevant proof of the late payment being reported. 

If the creditor or data furnisher is unable to provide such verifiable evidence, I respectfully request that the disputed late payment be either corrected or completely removed from my credit report, in full compliance with the requirements outlined under the FCRA. If they fail to adequately investigate or provide proper verification, the information in question must be removed, as stipulated by the law. 

I appreciate your attention to this matter and trust that you will handle this dispute in accordance with the legal protections provided to consumers under the FCRA.
Product: Debt collection

Moved out of apartment with appropriate notice, after walk through in which property manager stated everything looked great, received a notice saying they would not return my deposit along with an amount of what I owed. I objected and was provided with an estimate of charges for carpet replacement. According to Washington State Tenant Laws/Rights, Goodeill v. Madison Real Estate, 191 Wash.App. 88 ( 2015 ), Landlords can not withhold a deposit based on an estimate and the landlord must return the deposit within 21 days or the tenant is entitled to 2.5 times the amount of the deposit. Furthermore, management of XXXX XXXX acknowledged that they had miscalculated the debt in their own response but told me it was in best interest to just pay this amount and if not, they threatened with proceeding to collect even more money from me ( Please see page 12 of attachment ). Even the amount they acknowledged was miscalculated was still calculated incorrectly according to Washington State Tenant Laws. Now this amount is being reported fraudulently and adversely affecting my credit score. I have attempted to dispute the validity of the debt with both XXXX XXXX and Genesis Credit Management. Even after asking the credit collection agency to stop their collections attempts, they still proceed to call me on a weekly basis.
Product: Credit reporting or other personal consumer reports

I noticed my balance on my XXXX  XXXX  reported to my consumer report on XX/XX/year> at 100 % and my due date for my card is on the XXXX of every month and my report date is the XXXX of every month i called opensky and they told me it shouldnt be reporting early and it is not accurate because my payments have been on time every month and my balance has been at 0 % for the last months
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My wife XXXX XXXX and I XXXX XXXX have been paying our XXXX XXXX loans with Chase Auto Finance late XXXX days late but never 30 or more days late. All of a sudden Chase decided to report this specific payment as 30 or more days late when in fact it was not 30 or more days late. It was paid on the XXXX day. We have disputed this to the credit bureaus twice once on XX/XX/XXXX and once again on XX/XX/XXXX but it has come back as updated and accurate but its not accurate. I have also contacted Chase Executive office and after 1 day of investigation they called me back to tell me that it was accurately reported. When it fact it was not accurately reported and they have told me theres nothing they can do to help me. Also, my brother XXXX XXXX has never been 30 days late on his chase sapphire preferred card. It was paid on the XXXX of XXXX and it was reported accurately. It was paid again on XX/XX/XXXX and Chase came back and flagged it as 30 or more days late when in fact it was not 30 or more days late because he paid it on the exact day on the previous month. I have no idea what is going on lately with Chases reporting but its not accurate. They have been reporting to the credit bureaus on different days every month lately as well which could possibly be causing the mishaps. My wife & I 's car payments are paid over the phone so there is no email sent to confirm the payment date. But we pay it every month on the same date which is usually the last day of the month so that its not 30 or more days late. We have all worked so hard to keep our credit good regardless of our current financial circumstances and were being penalized right now with this inaccurate reporting.
Product: Debt collection

XX/XX/XXXX I reached out certified mail XX/XX/XXXX they signed for it and I heard nothing from them XX/XX/XXXX they signed for another request and heard nothing from them and they didn't mark my credit report as a dispute I attached my credit report to show they are in violation
Product: Credit card or prepaid card

Comenity Bank let some one open 12 different credit cards in my name, they are all identity theft and that was obvious because they open so many. I was affected by the XXXX and several other breaches and i tried to tell them this was fraud and they wont respond and keep putting these on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why is XXXX XXXX and EQUIFAX putting remarks on an account that has been closed for YEARS!? MY CURRENT DISPUTE IS FOR THE MISHANDLING AND REPORTING OF MY FORBEARANCE PLAN DURING COVID19. Why are you adding remarks to accounts that have nothing to do with my mortgage!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, I have contacted the following companies from 2 different credit bureaus and they can not even find information on items that I have on my credit report. I would liked them removed as soon as possible. 

I have sent the dispute letters to XXXX and XXXX to have them removed and it has been over the standard time of 30 days with no reply. 

The items are ... ... 

1. XXXX XXXX XXXX - Amount of {$2600.00} 2. XXXX XXXX XXXX - Amount of {$1500.00} 3. XXXX XXXX XXXX - Amount of {$610.00}
Product: Credit reporting or other personal consumer reports

I am reporting a fraudulent credit card account that was opened in my name without my authorization. I did not apply for, open, or use this account, and I believe I am a victim of identity theft. 

Details of the Fraud : The credit card account was opened on XX/XX/XXXX by XXXX XXXX. 
The account appears on my credit report with a balance of {$650.00}. that I did not incur. 
I first became aware of this fraudulent account on XXXX. XXXX. XXXX when I reviewed my credit report/received a notification. 

Actions Taken : I have reported this identity theft to the FTC at IdentityTheft.gov, and my FTC Identity Theft Report number is XXXX I have also contacted the credit bureaus ( XXXX, XXXX, and TransUnion ) to place a fraud alert on my credit file. 
I have reached out to XXXX XXXX to dispute the fraudulent account, but they have not resolved the issue.
Product: Checking or savings account

I typically receive early deposits from my employer during pay week and this time I have not received my funds. It's been 3 days now and no funds in my account. My employer has advised the issue is with my Capital One Bank.
Product: Credit reporting or other personal consumer reports

I am the victim of Identity Theft on XX/XX/year>. I spoke w/ TransUnion XXXX on XX/XX/year> ( Credit dispute Case # XXXX ) and learned that TransUnion allowed an unauthorized party to unfreeze my TransUnion credit report the previous day, even though I had previously filed a Fraud Alert. Apparently public information such as previous address, was used to " verify '' the identity of the fake caller. Additionally, TransUnion reports they have no way to prevent another fake caller from again unfreezing the report if they have my DOB and SS #. XXXX  XXXX XXXX had a hard inquire against my TransUnion report XX/XX/year>, just after the report was unfrozen ( XXXX  Ref XXXX ). XXXX reports that as long as TransUnion will allow the fake caller to unfreeze my report, this situation will happen again. XXXX 's policy is to call my cell phone if a caller attempts to unfreeze my report. TransUnion indicates they do not have any ability to stop the behavior, resulting in losses to XXXX  and much time spent by me. What good is a credit freeze against identity theft if TransUnion will simply unfreeze the report on the telephone.