23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

date XX/XX/2019 tried to login and Bluebird by American Express website is offline. 
The site is down right now cant get food cant withdraw money or make purchases stranded with no way for me to transfer funds no action where taken when i called about issue customer service just keeps hanging up on me with no answers please help asap!! this unexceptionable
Product: Mortgage

My mortage company, Regions bank, put hazard and flood insurance on my home loan before I was able to sell it. They didn't notify me only my EX husband who was also on the loan. They sent no documents to the address of the property they were insuring. I am the one who lived in this home. When I went to close I had to pay over {$25000.00} in force placed insurance. I have all the statements from the bank that show they sent my Ex everything and me nothing. I am trying to get my money back.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX 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. 

XXXXXXXX XXXX XXXX XXXXXXXX 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

XX/XX/XXXX - I receive a call about fraud in my account, on the phone for over an hour trying to solve it but I had to get off the phone because of an appointment. Account gets locked. 

XX/XX/XXXX - I send Ally bank the information they requested ( selfie, photo of my ID and SSN cards ) XX/XX/XXXX - account is still locked. Husband and I are on the phone for an hour trying to solve it. Phone gets disconnected, no call back XX/XX/XXXX - account is still locked. Can not access any of my money, either in checking or savings
Product: Credit reporting

Ca n't get my annual free report from Experian online. Gives bogus response that it ca n't pull file for security, this is a lie, since the other credit bureaus can. They just want me to sign up for their own overprice {$20.00} a month service. They have done this continuously year after year and I am sick of it that they are premiered to get away with it. I am not going to send them anything additional in the mail when XXXX and XXXX can give my report right away with no problem.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy 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

I recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove these accounts from my report, they are hurting my ability to obtain auto loans. 

XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX
Product: Debt collection

I have been harassed for years by Rent Recovery Solutions LLC. I have disputed the matter as this is a fraudulent account. I have contacted the consumer to have removed continuously being hung up on and threatened. I have had it removed from the XXXX and also the XXXX report but for some reason, they will not remove this account from XXXX. It has cost me several hundreds of dollars trying to have removed. And it is causing me issues with housing. Please help as this is my last resort. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 ) American express reported it back on my credit as Charge off in XX/XX/XXXX? The account was closed on XX/XX/XXXX of XXXX. 9 years way past Statue of limitation again in the State of VA! 
3 ) Damages to my Credit that is causing higher interest rates, declined on credit, I am seeking {$2000.00} per year for the past 11 years of XX/XX/XXXX I am expecting this to be taking off my credit IMMEDIATELY as well as a check for damages. 
4 ) Once again here is the proof of police records and my credit where American Express reopen 5 ) When American express tried to take me to collections back in XX/XX/XXXX of I asked them to validate my once again I sent them the police report! Not only American express can not Validate my debt! They send me other personal information of XXXX XXXX XXXX, XXXX XXXX, and a court case? 
I expect an IMMEDIATLEY ACTION of this off my credit report and a Check of {$22000.00} payable. This is outrageous and I am very furious about this!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX  XXXX. 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account and these inquiries do not belong to me. I have also included an identity theft report. 

Account info Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Original balance {$120000.00} Highest balance {$0.00} Terms 66 Months Hard inquiries XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX
Product: Mortgage

Beginning in XX/XX/XXXX, FEMA deemed our property was in the 1 % flood zone. The address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Texas XXXX. Our condo is the ONLY one listed due to the bottom floor closest to the water with a 6+ foot retaining wall. 
( XXXX XXXX XXXX ) which is a 'constant level lake ' since XX/XX/XXXX. In XX/XX/XXXX, our mortgage company, WELLS FARGO, sent a notice for us to fax our condo insurance ( outside ) and our personal contents inside to their company headquarters which we did. The building our condo is in has 5 units and is insured for {$1.00} XXXX. Our contents are insured for approx $ 80K. In XXXX, we were notified that WELLS FARGO was requiring us to insure with XXXX XXXX XXXX a policy for $ XXXX ( which is exactly what we owe on their note in the last 3yrs of our mortgage ) We phoned Wells Fargo and mentioned that this was NOT FLOOD INSURANCE, but MORTGAGE INSURANCE. They told us that if we paid the $ XXXX.policy in full that our {$1000.00} payment would not change for XX/XX/XXXX, which we DID! After paying in full for the policy for XX/XX/XXXX, our payment increased and and ESCROW was set up for XX/XX/XXXX. We have called and protested their actions at least 12 times, only to have been ignored. Our last 2 payments have not only increased substantially ( which we have paid ), but during our last call to Wells Fargo this month, they indicated that on XX/XX/XXXXour complaint would be reviewed. We are submitting this complaint to have your agency to STOP this situation after 6 months of turmoil!
Product: Debt collection

Checked my credit report and saw a collections account that was sold from XXXX XXXX XXXX to a mysterious LVNV FUNDING stating I owe {$630.00}. I know nothing about this debt and I did not agree to any account being sold and I do have a XXXX XXXX account and I have statements dating back to XXXX where my balance was current and on time. I am requesting a debit validation letter, I would like to see my file from XXXX XXXX to check the validity of my XXXX XXXX account that was not XXXX dollars and was in fact closed by me. I never agreed to pay this LVNV FUNDING and I never have received anything from them.

-This LVNV account is not mine -I do not recognize an account with them XXXX XXXX has been paid -The balance listed is innorect -The account has been reported as of today as possible identity theft because of the collections status and amount claimed as owed and an FTC affidavit was filed oXXXX XXXXXX/XX/XXXX. 
I am asking the CFPB to investigate this matter and look into this company LVNV funding because a brief view of the company 's XXXX XXXX XXXX reccord is deeply concerning and troublesome, seems like many others are facing threats and credit reporting misinformation by them. I have never received a phone call or statement or anything from them claiming this debt, where are they obtaining my information and if they are attempting to collect a debt where is the statements being sent? This is a serious matter. 

I am invoking my rights under the FCRA section 's 609, 605 as well as the accuracy of this inquiry via FCRA 623 are requested for this LVNV FUNDING on my credit report. 

I am requesting the above matter specifically my XXXX XXXX accounts entire history from date credit was applied for to date of last payment and all payments made / contract entered into date and credit limits as well as the contract of any 3rd party regarding the sake of this allegeged debt the ficticiously created and I would like all documents send to my address on file.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, these incorrect addresses remain listed : These incorrect addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXX XXXX XXXX, XXXX, CA, XXXX & XXXX XXXX, XXXX XXXX, CA, XXXX
Product: Credit card

I purchased XXXX item on XXXX/XXXX/2016 using my BEST BUY credit card which is managed by CITIBANK. I do n't use the card that often so it 's not a bill I get on a regular basis. About a month after my transaction, I realized that I had not received a statement. I went online and found out that I had been switched to paperless billing against my knowledge. The bill was due that day so I used my bank 's online bill pay to pay the balance in full. I contacted CITIBANK and told them that they never sent me the bill and that I had paid the balance in full. Another month went by and I did not receive a statement. Since I only get statements when I have a balance I assumed everything was fine. An email was sent a few days later stating that I needed to pay my bill. I checked my account online and saw that I had been charged a late fee. I contacted CITIBANK and contested the late fee and told them again that they were in error. I thought the issue had been resolved. A week ago, I checked my account online and CITIBANK never took the late fee off and they charged me another late fee for not paying the first erroneous late fee! They have charged me XXXX late fees for XXXX transaction that they never billed me for! The bill was electronically paid in full the day that it was due. This has been going on now for three months. They have started calling me multiple times to pay these late fees. 
CITIBANK : 1. Switched my billing preference to paperless against my knowledge or consent. 
2. Never sent me a bill ( three months later and still no bill ) 3. Even though I paid the bill in full when I realized their error, they still charged a late fee. 
4. Charged an additional late fee for not paying the first late fee. 
5. Harassing me every day to pay these bogus late fees. 
I have excellent credit. I pay my bills on time and work very hard. I am sick and tired of companies taking advantage of people. I believe that CITIBANK intentionally switched me to paperless against my knowledge. I will not pay these fees! My balance should be zero on this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item are being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATED all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed... 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX  XXXX XXXX U.S. DEPARTMENT OF EDUCATIONXXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate late payments currently being reported on my credit file. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to ensure that all information reported by credit bureaus is fair and accurate. The late payments in question are erroneous and do not reflect the true status of my account ( s ). 

**FCRA Violations** Under the FCRA, Section 1681, credit bureaus are required to report only accurate and complete information. Furthermore, according to Section 1666b, consumers have the right to dispute any inaccuracies on their credit reports and expect a timely investigation and resolution of such disputes. 

The incorrect reporting of late payments is having a significant negative impact on my credit score, which in turn is affecting my ability to secure credit, housing, and employment opportunities. This is not only unfair but also a violation of my rights as a consumer under the FCRA. 

**Legal Implications** Should this matter not be resolved promptly, I will have no choice but to seek legal representation. Please be advised that if this issue escalates to a legal dispute, the credit bureau will be liable for all associated costs, including but not limited to : 1. Attorney Fees : Estimated at $ XXXX {$500.00} per hour, with a total cost potentially exceeding {$5000.00} depending on the complexity and duration of the case. 
2. **Court Costs** : Filing fees and other court-related expenses, estimated at {$500.00} to {$1500.00}.

3. **Damages** : Under the FCRA, you may be liable for actual damages suffered by me as a result of your failure to comply with the law, including any emotional distress caused by the erroneous reporting. Statutory damages may also apply, with potential awards ranging from {$1000.00} to {$10000.00}, depending on the severity of the violation. 

In light of these potential legal costs, I strongly urge you to take immediate action to remove the inaccurate late payments from my credit report. Please provide me with written confirmation that these items have been removed, or provide me with documentation supporting their accuracy within 30 days of receipt of this letter. 

Failure to address this issue in a timely and satisfactory manner will result in the initiation of legal action to enforce my rights under the FCRA. 

I trust that this matter will be resolved quickly and amicably, and I look forward to your prompt attention to this serious issue. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX This letter is a formal way to assert your rights and encourage the credit bureau to correct the inaccuracies without escalating the matter to a legal dispute. Make sure to send the letter via certified mail with a return receipt to ensure that you have proof of delivery.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND MY PHOTO ID TO OPEN FRAUDULENT ACCOUNTS AND TO APPLY FOR ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit card or prepaid card

A Capitol One credit card was opened frauduntley in my name on XX/XX/XXXX. I was made aware of the account on XX/XX/XXXX when I received a letter from Capitol One claiming that my payment in the amount of {$880.00} was returned by the financial intuition. I called to inquire what the letter was about because I did not have a Capitol One account at that time. I spoke to a representative XXXX, ID # XXXX who claimed to put a freeze on the account and transferred me to the fraud department so I could file a fraud claim where I spoke to XXXX, ID # XXXX. I was told at that time the card would not be approved for any further charges. I then filed a fraud alert with all 3 credit burea 's. Shortly after filing my claim I received a letter from Capital One that they balance and information in their records is correct. I then after filed another fraud claim against this account and thereafter with with every collection agency. Capitol one then proceeded to take me to court in XXXX, XXXX. I filed an answer with the court dening doing business with Capitol One and that the account was opened by someone else and that I have been attempting to make Capitol One aware of this to no avail. On XX/XX/XXXX Capital One Bank by and through its undersigned attorneys voluntarily dismissed the case but Capital One is still reporting the debt as a charge off with credit burea 's
Product: Checking or savings account

I was paying someone through the bill pay portion of my corporate checking account and somehow the payment was sent to my late wife 's Chase credit card ( that has been closed since she passed away 2 years ago ). I immediately advised the bank of this error and informed them that this card was my wife 's credit card and that I had no responsibility related to the card. I have dealt with the branch and numerous " back office '' staff members and still have not received a refund. It has been over 6 months and I can not get a straight answer on when my {$2600.00} will be returned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the two Collection Agency and the accounts have be paid in full. Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following names are on my XXXX report and I have disputed them and they have not removed it from my report. I have not used any of these names and I need it to be removed from my report. XXXX XXXX, XXXX XXXX or XXXX XXXX. Under the U.S.C 1681 section 602A, states that I have right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.