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

in accordance in the Fair clean report act. The List or accounts below has violated my federally protected consumer privacy and confidentiality under. 
Of the following : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 ( A ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S.C 1681 Section 604 ( A ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates. 

15 U.S.C 1692C ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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, credit repair services, or other personal consumer reports

Experian has not removed the inaccurate, false reporting by XXXX XXXX XXXX from XXXX, XXXX despite by multiple attempts and disputes. 

Account info Account name XXXX XXXX XXXX  Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$600.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$600.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX  Monthly payment {$0.00} Original balance {$600.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ( XXXX XXXX hard inquiries from Syncb XXXX XXXX cards/airlines on my credit report. From XXXX & XXXX. Ive never heard of that business name & have no recollection of what these could be for. I do not own a credit card either. I can not find the proper number to call for this business. Some reviews say its a bank and other a department store. Hoping to get this resolved.
Product: Mortgage

XXXX XXXX in XX/XX/XXXX sent my mortgage payment back said the amount was insufficient to cure my delinquency and my account isn't under a payment plan and accelerated the loan every since then they either send my payment back or kelp the payment, now the amount is {$12000.00} as of XX/XX/XXXX is what they are asking me to pay. I have been trying to get answers from them over a year now I wrote to them on three difference occasion couldn't get them to respond to any of the two letter finally they respond to the third letter said there was an error that has occurred on the loan due to a complaint and summons XXXXXXXX XXXX XXXX XXXX XXXX  filed Affidavit for Lien they inadvertently placed the incorrect coding on the loan for monitoring my account which cause payments not to be accepted so this is what the letter states, remind you I send in a payment every mouth they send some back kelp some now they said the current amount is due at this time is {$6900.00} this is still a problem they still have payments they haven't sent back to me yet and I suffer over a year with this error. they order me back in XX/XX/XXXX to do a modification or refinance, or a short sale I told them I have no interest in doing any of those things that I'm making my payments I'm not behind on any of my payments if they had just taken the payments CitiMortgage cause all of this by not accepting my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 60 days and not response via email and i am SO MUCH DISAPPOINTED. The ACCOUNT on my report is inaccurate and unverifiable.. I am authorizing this complaint with proof of the disputes i sent out. Now please help me TO REVIEW THIS COMPLAINT, PLEASE REVIEW ; REMOVEOR UPDATE THE ACCOUNT IMMEDIATELY inaccurateacross all XXXX bureaus his is an error this account in violation. 
XXXX XXXX XXXX Account number : XXXX I have paid as agreed on time this is an error please audit the account and update to paid as agreed 2.This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
Account number : XXXX As a consumer by law this account must be deleted immediately. 
3. .This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX XXXX Account XXXX As a consumer by law this account must be deleted immediately. 
4. Under 15 USC 1666B this is a billing error Date last active and date of last payment shows inaccurateacross all XXXX bureaus his is an error this account in violation. 
XXXX Account number XXXX I have paid as agreed on time this is an error please audit the account and update to paid as agreed Really appreciate your time and effort.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX : Intent to file lawsuit, No validation of debt. 


Validation Letter sent to : XXXX XXXXXXXX XXXX Account # To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for. 

Furthermore, XXXX XXXXXXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit card

since XXXX since my XXXX XXXX XXXX ended I've asked on a recorded call to have XXXX forms mailed to me house ( intially i asked for unemployment and changed to XXXX ) not only are they still mailing employment forms instead of XXXX they are mailing it to my XXXX XXXX instead of my house after requesting it be mailed to my house 5x!!!! all late fees needs to be waived and courtesy payments needs to be paid for the duration i didn't receive proper documentation asked for. and reported to bearus ACCURATELY
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX Balance Owed : {$XXXX CAF XXXX Balance Owed : {$XXXX}
Product: Credit card or prepaid card

On XX/XX/2023 my Chime Visa card was charged {$1200.00} by XXXX XXXX XXXX XXXXr. I disputed the charge through my mobile app and later received a denial. I submitted an appeal regarding the charge as I did not authorize the charge and a representative from XXXX XXXX XXXX XXXX told me my Chime Visa Card could not be accepted by XXXX and another form of payment would be needed. A representative of XXXX illegally documented my card details and processed a payment without my permission nor with me in attendance for {$1200.00}. This has caused me to unnecessary hardship in the following ways : I had to pay an additional {$300.00} in late fees for my XXXX rent, I risk being evicted for XXXX because I am still trying to replace what was taken from me, my credit score has dropped 100 points because of the utilization of 100 % being report and payments are now due on a card for charges that I did not make. I do not understand why Chime is allowing another company to take my money and saying there was no error.
Product: Mortgage

On about XX/XX/20 I called Dovenmuehle to discuss the payoff of my mortgage. I was given a payoff amount of {$160000.00} as of XX/XX/20. I make my payments via XXXX XXXX bill pay online. I made a {$50000.00} payment on XX/XX/20, two XXXX payments on XX/XX/20 and a {$13000.00} payment on XX/XX/20. When I looked online I saw that these payments were not completely applied to principal. I called back on XX/XX/20 to ask them to reallocate the payments. I was told that would not be an issue and would be done in 3-5 business days. When that did not show up online I called again around XX/XX/20. I was told they could not do that and that the new payoff amount was {$530.00}. There is not a prepayment penalty clause. I had the same issue years ago with another company and they reallocated my payments with not issue. Of the 4 original payoff payments they only allocated {$160000.00} to principal. I feel I am owed {$3200.00}.
Product: Credit reporting or other personal consumer reports

I am writing to address some discrepancies I have identified in my personal credit report. These inaccuracies are significantly affecting my financial standing, particularly my ability to own a home. While I understand that errors can occur, I am familiar with the dispute process and the investigation timeframe of thirty days. 

The other credit bureaus have already removed these accounts from their records after I submitted my FTC report identifying the errors. I am perplexed as to how these accounts were verified by your bureau when other bureaus have successfully removed them. Therefore, I request the immediate deletion of these accounts from my file as they are inaccurate, erroneous, incomplete, or unverifiable. 

I would like to bring your attention to the following errors : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Eviction should not show up on my record due to Covid Protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

I reached out to XXXX XXXX, Texas PNC branch, and spoke with the Manager on XX/XX/2022, regarding a charge for a Safety Deposit Box. I came into that location, closed the Safety Deposit box, and returned the key in XXXX or XXXX or so before that. The Manager told me that the account was closed, but they needed to take one additional step to finalize the process. This did not happen. She also said she would call me back ; this did not happen. I called on XX/XX/2022, with no successful outcome. I called again today on XX/XX/2022 and no one could help me. The assistant branch XXXX is on vacation. The Branch Manager left early for that day. 

I closed every account at the branch and moved my money out of the bank because no one at the branch could help on any given day. Getting change for {$20.00} through the drive-through took more than 15 minutes. I received a bill during the month of XX/XX/2022 for {$50.00}. I received another bill for {$60.00} on today, XX/XX/2022 for the safety deposit box that I closed several months ago. 

I spoke with someone on XX/XX/2022, named XXXX XXXX in Alabama, and they told me to give you a couple of days to investigate my concern, and they would get back to me. This did not happen. 

Thanks, XXXX XXXX XXXX
Product: Mortgage

Seterus Mortgage Company tacks on a XXXX Hazard Home Insurance on my mortgage even though I have XXXX insurances on my home. XXXX with XXXX through the HoA for the outside walls and XXXX with XXXX XXXX that I have for the interior items. We have been faxing them documents for the past XXXX months. I called them last week, they said they got it, but they needed some more information. They do n't bother to call and tell me anything. Same thing happened a XXXX ago. Last year it took XXXX months to remove this added insurance and refund it to my mortgage. This year its now been XXXX months, so I have to pay extra every month so I do n't have late fees or late on my credit score.
Product: Credit reporting or other personal consumer reports

I am writing to urgently address the persistent presence of fraudulent items on my credit report and to request immediate action for their removal. Despite many attempts on my part to rectify this issue, the fraudulent items continue to tarnish my credit history, jeopardizing my financial well-being.

Upon discovering the fraudulent items on my credit report, I immediately initiated multiple attempts to have them removed. I have submitted formal disputes, provided supporting documentation, and followed all prescribed procedures outlined by your agency. However, despite my diligent efforts, the fraudulent items persist, causing unwarranted damage to my creditworthiness and reputation.

The continued presence of these fraudulent items undermines the accuracy and reliability of my credit report and poses a significant threat to my financial stability. As a responsible consumer, I find it unacceptable to be unfairly penalized for fraudulent activities that I did not initiate or authorize.

Furthermore, the delay in resolving this matter and the lack of communication regarding the status of my dispute have further exacerbated my frustration and eroded my trust in your agency. I have not received any updates or explanations regarding the reasons for the persistent presence of these fraudulent items, leaving me feeling disregarded and vulnerable to further financial harm.

I urgently demand immediate action to thoroughly investigate and rectify this situation by expediting the removal of the fraudulent items from my credit report. Given the urgency of this matter, I request prioritized handling of my dispute to ensure a swift resolution.

Additionally, I expect transparent communication and regular updates regarding the steps being taken to address this matter. Any further delay or lack of communication will compel me to escalate this complaint to regulatory authorities and pursue all available legal remedies to protect my rights as a consumer.

I trust that you will prioritize this matter and take swift action to correct the inaccuracies on my credit report. Please acknowledge receipt of this urgent complaint and provide assurance that immediate steps will be taken to address my concerns. With this, I am asking for your assisstance to remove othese fraud items in my credit file : XXXX XXXX XXXX XXXX Balance:XXXX XXXXXXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was informed of a credit card appplication made using my social security number with Bank of America. I reported the fraud to Bof A
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I disputed account " XXXX XXXX XXXX " Account number : XXXX Dispute file number XXXX via XXXX XXXX proof attached below. It has been over 80 days without any follow up. per FCRA 611 ( a ) I should have been contacted by now with proof of account and my written approval to be placed on my credit report.
Product: Checking or savings account

I closed an account in XX/XX/XXXX ( from Charter One Bank ), the same week I had a XXXX XXXX. I completely forgot about this in the following weeks. On XX/XX/XXXX, I found and presented the cashier 's check ( # XXXX for {$29000.00} ) to the now Citizen Bank branch at XXXX XXXX XXXX XXXX XXXX, Ohio. They accepted the cashier 's check, and I opened a cd and a checking account. Several days later, a letter arrived from Citizen Bank, XXXX XXXX XXXX, XXXX, Rhode Island XXXX. It stated the check would not be honored. They have possession of the ' official check ' ; I have two accounts with XXXX balance, and they want {$20.00} for a returned check. They advised to check Ohio unclaimed funds, but there is nothing listed there. 
I want the proceeds from this cashier 's check. Please advise what you can do. Thank you.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes to XXXX, XXXX, and Equifax regarding the following accounts reported 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 {$2400.00} However, I am having a really hard time with them removing the XXXXXXXX XXXX  from all three credit bureaus : XXXXXXXX XXXX XXXX XXXXXXXX - {$2800.00} and and XXXX XXXX from Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2400.00} I have also provided them with the FTC report. 

In XXXXXXXX XXXX XXXX all XXXX credit bureaus removed the XXXX accounts from my credit report and now placed them back onto my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My records associated with the account WELLS FARGO HOME MORTGAGE with account number XXXX and XXXX do not compliment with what the Credit bureaus may claim as a " validated as accurate ''. I had also requested the actual proof, physical firsthand documentation of the payment history and method of verification to WELLS FARGO HOME MORTGAGE but I did not receive what I asked and these violations persist on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Product: Debt collection

They keep calling me at my place of work everyday.when I told them My employer does not allow me to receive calls here at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir / Madam : All my good standing credit has been removed from my Experian, XXXX XXXX, XXXX   report, please see the attachment and resolve this issue. 

Sincerely, XXXX XXXX