23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Today is XX/XX/XXXX, however this been going on since XX/XX/XXXX. 

XX/XX/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  Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. XXXX XXXX XXXX, should redact information that is unrelated to the dispute with this company. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. Please investigate this matter, close the account take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. this company refuses to obey the credit laws, again this is not my account, and I did not open this account, this is preventing me from getting a good job and a nice home, the info on my credit report from the company is incorrect Sincerely, XXXX XXXX Enclosures : [ List what you are enclosing ] Identity Theft Report police report this company refuses to move an account from my credit report that I did not open, this was a fraudulent account that was opened in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an issues with Experian, XXXX XXXX XXXX  and XXXX. 

1 {$200.00} payment on XXXXand it was reported as a {$50.00} payment to credit bureaus. Balance at the time was {$2800.00} balance now shows {$2700.00}. 

2 {$91.00} was made on XX/XX/2021 and they have yet to report to any credit bureaus. 

3. I submitted a dispute on XX/XX/2021. The dispute is now closedXXXX XXXX is still reporting incorrect information, balance {$2700.00}. The balance is now {$2500.00} 4.XXXX  XXXX  stated to me in a letter from consumer complaints it's the credit bureaus decreasing FICO because they have no control over that all they did was report payments and remarks. Experian, XXXX  & XXXX  are the reasons why my FICO continued to fall. My FICO went down over 145 over a 4 month period, with NO 30 day late fees and under 30 % debt especially after I paid off the account and closed the account. XXXX XXXX  would add remarks and remove remarks and my FICO fell each time, from
Product: Credit reporting or other personal consumer reports

This version is slightly more formal and structured for clarity. I am writing to formally dispute several inaccuracies on my credit report that persist despite prior verification efforts, which indicated the information was accurate and verified report # XXXX. 

These discrepancies pertain specifically to my XXXX account ( # XXXX ). 
1. **Past Due Balance on Charge-Off : ** The report shows a past due balance of {$3400.00} as of XX/XX/XXXX, on an account that was charged off. It is unclear how this balance remains after the charge-off occurred. I request clarification on this issue? 
2. **Inconsistent Charge-off : **This account is listed as a charge-off under your XXXX XXXX : XXXX According to Experians glossary ( XXXX ), a charge-off does not have a recurring charge off code in the payment status of your glossary, yet my report shows recurring charge-offs each month. This does not align with XXXX guidelines and must be addressed. Given these inconsistencies, I request a full validation of this account, including a copy of the originally signed contract bearing my signature. Additionally, I would like to remind you that, as of XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) amended the Fair Credit Reporting Act ( FCRA ) Summary of Consumer Rights. Consumer reporting agencies are now required to provide consumers with this updated summary whenever there is a request for disclosure of their consumer file. Please ensure this is included in your response. Thank you for your prompt attention to this matter. I expect a thorough investigation and the deletion of these inaccuracies. 
Proof of documentation is uploaded.
Product: Debt collection

On XX/XX/XXXX I received a bill by email for normal wear and tear of a rental property ( carpet, tub re-glaze, and toilet paper holder ). I emailed back and forth with the billing office several times and they refused to remove the charges. They then sent the bill to Genesis collections agency. I was contacted by email by Genesis collection agency on XX/XX/XXXX. I sent certified mailed them a debt validation letter on XX/XX/XXXX, in which I asked for the following : The Notice of Assignment The Deed of Assignment The original executed agreement A full statement of account Documentation showing that you are licensed to collect debts in Virginia Documentation that you have verified that I am responsible for this debt or a copy of any default notice/judgment Any signed agreements where I have stated that I am responsible for this debt. 
On XX/XX/XXXX XXXX mailed the bill stating that the charges were for carpet, tub re-glaze and a toilet paper holder with only 2 pages of a lease that expired on XX/XX/XXXX. The 2 pages did not state that a tenant is responsible for normal wear and tear of a rental unit. To which I replied by certified mail on XX/XX/XXXX that the charges are for normal wear and tear of a rental property bound by laws of the state of Virginia. I received an email on XX/XX/XXXX with the billing amount that they are saying is owed. These charges are an attempt at extortion and are illegal in the state of Virginia.
Product: Credit reporting or other personal consumer reports

It has been brought to my attention that the XXXX, XXXX and TransUnion Credit Bureaus are not removing files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im submitting this complaint to help establish a legal recourse. If you choose to not remove the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following items as they are fraudulent & were opened without my consent or knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I contacted Barclay 's credit card company on XXXX XXXX XXXX I informed them that I am on XXXX XXXX and no longer working full-time and have had a substantial decrease in monthly income. I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and unable to work. I requested a payment plan to reduce my monthly payments to {$100.00} until I can start working full-time again. I have never missed a payment with them. They denied my request and stated that I didn't qualify and sent me to credit counseling. I can't afford to pay them {$320.00} a month. I believe they are discriminating against me due to my age as I am XXXX and due to my race as a XXXX woman. I can't pay them what I don't have and I am not working full-time and can't work due to my injuries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX - ( Please see page 4 and 5 of  the attached credit report. ) These accounts reflect a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. It is impossible to be late on accounts that have a {$0.00} balance and {$0.00} past due.
Product: Checking or savings account

In two separate incidences, citizens bank made errors that cost me thousands and almost made me lose everything in my life. Their statement was that they do not compensate customers for financial hardships even when they caused it. On XX/XX/XXXX, they received a debt verification request from myself. They did not respond within the five days required under law. They are also not allowed to put derogatory remarks on my credit report nor are they allowed to continue collection activities until the debt has been verified. They have not followed any of these requirements. They put enough derogatory marks on my report to take my score over XXXX points. They put enough derogatory marks on my report to take my score XXXX points. I have informed XXXX XXXX who works in the office of the chairman that the bank is in violation of federal law many many times. She is knowingly thumbing her nose at the life. I am filing this complaint to hold them accountable. I have requested that they remove the marks several times.
Product: Mortgage

Sent in my escrow shortage along with the payment coupon that told what the payment was for and they applied it elsewhere. I have called several times over 2 week period and they keep saying they are going to fix it but it has not been fixed yet to display the proper mortgage payment amount. Also in the past I mailed in my mortgage payment and the funds where in my bank account. They said the funds where not in the bank and charged my a NSF fee. My bank didn't even charge me a NSF fee because the funds were there. I even went to my bank to get proof and sent it to them and they still tried to say the funds where not in the bank so they could get a {$30.00} fee.
Product: Debt collection

Called and left voice mail with myself, my family, and my friends stating that they were attorneys and they did n't want me to miss my court date. They said that they would be serving papers on a debt. They said that they were with the law offices of XXXX XXXX ( no such attorney registered in california ). They gave private information to my friends and family. They gave fake names when I asked for their name. They gave the address of XXXX XXXX XXXX, XXXX, California. XXXX earth shows that there is no such address. They identified as XXXX and XXXX ( XXXX XXXX and XXXX ). There is a fictitious business name filing in that name in XXXX XXXX XXXX.
Product: Checking or savings account

I am writing to file a compliant against PNC Bank PNC Bank Headquarters Corporate Office Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Pennsylvania XXXX United States XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX 

I am not liable for this bank fraud and I did not incur debt for XXXX that occurred on XX/XX/21. This is " Bank Fraud. '' I am not responsible for this debt. PNC failed to help me as I was told " I did not have anything to worry about. '' I later received a letter, stating the account was closed and that investigation was over, returning the cents that were in the account prior to fraud. I wrote a l letter of dispute to XXXX on XX/XX/21 asking for more validity, after receiving a letter 2 months later for debt collection that I did not occur ; after bank told me " I did not have anything to worry about. '' They responded with bank transactions, holding me still responsible. I did not incur this debt. I am seeking a lawyer for counsel for this bank fraud I am being held responsible for. I want to be extricated from this fraud and not be held responsible nor do I want it on my credit report that I worked so hard to keep in good standing. I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

Someone fraudulently used my information to open a account with XXXX XXXX that was sold as an collection account to online information services I did not authorize this account or open it up I need it removed soons as possible. I have not supplied proof of the alleged debt, under the doctrine of XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Product: Credit card or prepaid card

I ordered a hot tub cover on XX/XX/XXXX with a promised delivery date of 10-25 days. On XX/XX/XXXX, I was notified that the item has shipped ( 57 days later ) The item arrived damaged and was never accepted or taken off of the delivery truck, as per the instructions of their seller in their email of XXXX, " Although shipping damage rarely happens please take a minute to inspect the cover when the carrier company deliivers and refuse delivery in the event damage is found. '' Despite not accepting delivery for the damaged item, the seller charged my Citi Card credit card, and a dispute was initiated with Citi on XX/XX/XXXX. 

Citi Card 's response was to ask me to return the merchandise and request a credit. THE MERCHANDISE WAS NOT RECEIVED/ACCEPTED, which was made painfully clear to Citi. I demanded that Citi reverse the charge or else provide me with documentation that the merchandise was delivered/accepted. 

Their response dated XX/XX/XXXX stated, " We have reviewed the information you provided regarding your dispute. We no longer have any available means to assist you in this matter since the time frame in which to resolve a dispute has passed ''. 

Citi then proceeded to report the balance as delinquent to credit rating agencies, despite never following up to see that the merchandise was not received.
Product: Checking or savings account

Wells Fargo charge me many overdraft fees over the years ( since 2009 ). I know they are in settlement and they tried to send me a {$35.00} check saying they charge me overdraft fees. Even though its was more than one time. My account is closed ( I closed it for this very reason ) would I still have a case within the settlement?
Product: Credit reporting or other personal consumer reports

I am writing to urgently notify you that I have fallen victim to identity theft, leading to several fraudulent entries on my credit report. These 3 unauthorized accounts and 8 inquiries were added without my knowledge or consent, and they must be addressed immediately. 

INQUIRIES - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already filed an official identity theft report with the Federal Trade Commission ( FTC ), and I am demanding the immediate removal of these fraudulent items to restore the accuracy and integrity of my credit report.
Product: Debt collection

I sent a letter to USA FUNDS letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and USA FUNDS refuses to delete the fraudulent accounts from my credit report stating in a letter its verified. USA FUNDS provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit. Below is the account information USA Funds needs to delete. 
Account Name U S A FUNDS Account # XXXX Account Name U S A FUNDS Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Summary : EQUIFAX CREDIT BUREAU failed to provide me with requested paper copy of my Credit Report on file for rewording ( or removing ) of a XXXX Consumer Judgement that exists since XXXX in my Equifax Credit Report awarded to Bank XXXX XXXX XXXX in XXXX by XXXX XXXX XXXX. Since State of XXXX has a Statuatory Limitation Law of XXXX years & Federal Statuatory Law of XXXX years on Debt Collection, this XXXX mark on my credit report needs to be removed or reworded to Negotiated Settled as legally appropriate. 

As background, failure of Equifax to address the XXXX XXXX correciton on my credit reports, I have been barred from any types of consumer credit, such a personal loan or pass a credit check necessary for me to sign a apartment lease.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$620.00} and XXXX XXXX XXXX Date opened XX/XX/XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Mortgage

loan # XXXX Serviced by XXXX XXXX. 
I purchased a house on XX/XX/XXXX, closed with XXXX XXXX and mortgage was obtained via broker XXXX XXXX XXXX  company. Lender- United Wholesale Mortgage. Prop taxes due XX/XX/XXXX supposed to be paid with funds a seller provided at closing. Title company held funds because the tax bill was still on old owner name, by the time the tax bill was switched on my name, the funds were lost somewhere between the XXXX XXXX, XXXX XXXX XXXX  and UWM. My mortgage is escrowed, so all transactions supposed to be handled by lender/servicer. The servicer for my mortgage is XXXX XXXX. When I received my tax bill with interest and penalties ( iao XXXX ) in  XXXX, because it was never paid by lender/servicer/title company, I reached out to XXXX advising them on this issue. I was told to send them tax bill for processing. They paid the tax bill along with interest and penalties iao XXXX from my escrow on XX/XX/XXXX. However, this is invalid transaction because I should not be responsible for taxes because old home owner provided funds at closing to pay those taxes and someone has those money. When I called to UWM I was told that I should not be responsible for that tax bill or interest and penalties- it will be paid by lender. My escrow has negative balance because XXXX took money out of it to pay the bill+ interest and penalties while lender- UWM advised them to pay out of their account. I was told by UWM that broker XXXX XXXX XXXX  company sent them a check to cover taxes and they will be responsible for paying penalties and interest. Since XX/XX/XXXX funds have never been deposited back to my account. Again, those funds were provided by seller and I should not be charged for that bill. XXXX XXXX/XXXX XXXX XXXX/United Wholesale Mortgage/XXXX  should absorb XXXX because it was their fault they lost the seller 's funds for taxes. I have tried to resolve this issue for over 2 months by now and none of those companies are cooperating. I am being told the same information " funds will be posted back to your account '' but nothing is being resolved.
Product: Debt collection

I am writing to formally address the collections account attributed to LVNV Funding, as serviced by Resurgent Capital Services ( hereinafter referred to as " RCS '' ), currently reflected on my credit report with an outstanding balance of {$590.00}. 
To date, I have initiated disputes regarding this alleged debt with the three principal credit reporting agenciesXXXX, XXXX, and XXXX the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Despite these repeated disputes, and in an effort to resolve this matter amicably, I have extended a settlement offer to LVNV Funding. This offer was made notwithstanding my assertion that this debt does not belong to me. 
The presence of this account on my credit report for an extended period has caused significant and unjustified damage to my creditworthiness. Furthermore, I have formally requested that LVNV Funding/RCS provide validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). To date, they have failed to produce any such verification. 
Upon reviewing the credit reports from all three major bureaus, I have identified a total of sixteen ( 16 ) errors, including but not limited to discrepancies in the dates of delinquency, the amounts allegedly owed, and the reported status of disputes. These inconsistencies call into question the validity and accuracy of the information being reported, thereby further compounding the harm to my credit profile. 
I hereby demand immediate action to rectify these errors and a thorough investigation into the legitimacy of this debt as reported by LVNV Funding/RCS. Failure to resolve these issues in a timely and satisfactory manner will compel me to pursue all available legal remedies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act DPT TREASURY  XXXX and XXXX XXXX have 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I have tried for several months now to get Equifax to unfreeze my credit report. Equifax has yet to do so. Several companies are trying to report good accounts to Equifax but Equifax isn't allowing the information to be reported. I sent a copy of my drivers license and social security card and they asked for more information so I also sent the same documents multiple times along with a utility bill to verify my current address. Equifax will not even update my file and everytime i file a complaint all I get is the boilerplate response that my complaint is under investigation. Will someone PLEASE do something about what Equifax is doing. This is beyond ridiculous!!!!!!