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

The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent inquiries to my credit file. As a result, I disputed these identity fraud inquiries with this company on XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. But until now, as I am writing to you, this company is still reporting these fraudulent inquiries contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. Please REMOVE this fraudulent information from my credit report, as per 605B of the Fair Credit Reporting Act : XXXX XXXX, Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX I am attaching the dispute letter/documents I sent to this company on the XXXX and my FTC report, in case they need to reference or review.
Product: Debt collection

I contacted Macy's/DSNB on XX/XX/2020 regarding a delinquent account on my credit report. I wanted to settle the amount, since the credit was for {$300.00} and the amount owed is {$550.00} ( past due ). They informed me that the could not handle the account and then provided me with another number, XXXX. I then contacted them to see if I could settle the account since I do not have the {$550.00}. They informed me I was not eligible for a settlement ( something about the 7-years statute of limitations ) and could only take care of the account if I send them a MO, check via mail in the full amount. They indicated this was law and I told them how I was not informed about this until now.
Product: Checking or savings account

I use TD Bank on XXXX XXXX, XXXX XXXX NJ XXXX. On XX/XX/XXXX I received a letter and copy of a check for my rent dated XX/XX/XXXX8 from my Land Lord. The check was stamped 'Account unlocated and so the courtesy check from TD BAnk was not honored.. I took both letters into TD Bank XX/XX/XXXX I was informed that the even though the money was in the account the check was not honored because the bank manager preferred for me to buy their checks and that I used 25 courtesy checks a month. This not true. I get 3.They didn't accept the letters. I asked for the manager and told she was unavailable. XXXX XXXX. I contacted TD BAnk 's corporate office with this complaint and was told that the check should have been honored and I can't be forced to buy their checks. My landlord was charged for a return check and I was late on my XX/XX/XXXX rent. I returned to TD Bank the on XX/XX/XXXX and spoke with a representative there and was told the manager stopped payment on the courtesy check, even though the funds were available and that the manager makes the rules and she preferred I purchased their checks. She could do anything. I then attempted to take money off my Debit card and suddenly my pin number was no good twice. I again reported this to TD BAnk, Corporate. I was forced to use and pay ATM fees to cover my bills. The rent money was withdrawn and turned into money order. There were 2 tellers both doing nothing and I waited and waited. On XX/XX/XXXX, I went to make a withdrawal and deposit and asked for 3 courtesy checks. The teller ( who refused to give me her name ) She immediately went into saying I can only get 3 courtesy checks. I told her I can't manage a checkbook and end up with fees for bounced checks. She informed me that the fees would be the same for courtesy checks. She's harrassing me to purchase their checks. For over a year I get and sign for 3 courtesy checks and I always have to sign for them. Today I was handed the checks without a signature needed. This made more more uneasy. I asked why I didn't have to sign and was told I just didn't. This was also reported to TD Bank Corporate office today and they agreed that all courtesy checks should have been honored and they would look into it. Now when I go to the bank, no one wants to serve me or they give me a speech about buying their checks. This unfair treatment and refusing to pay checks and forcing me to purchase theirs is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I have submitted XXXX requests to have a negative report removed from my Chex system. Ive requested documents with my signature to validate the negative report and they keep sending me the bank statements. This is not sufficient evidence and does not have my signature on it. The bank that reported the negative information knows it wasnt me bcoz it wasnt my card used. I was the one who reported it to them but held me responsible because their reasoning was a pin was used so it was authorized. I want solid evidence like surveillance photos. I requested for copies of the checks deposited with my signature on it. The bank nor Chex system could not provide this to me. This is my right to have solid evidence with my signature and they cant provide it because I never authorized these transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

They continue to put hard inquiries on my report ever so often and I havent filed a credit report through this company not once. CAP ONE NA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX CAP ONE NA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX CAP ONE NA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX CAPITAL ONE AUTO FINANCE Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX TX, XXXX CAP ONE NA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Several Inaccurate information on all three of my credit reports. I have hads fraud Alerts, Security Freeze, and Credit monitoring etc .... I have Public record reported Status of Bankruptcy XXXX and XXXX there all different and I have 17 negative reported late and now a REPOSSESSION. I have never ever been late with any of these creditors. I have taken every precaution to protect my credit and to have third parties reporting inaccurate information as Verified Accurate is against my rights and has caused me a great amount of stress effecting my health. I will submit all documents in regards to have these inaccuracies removed for Permanent to all three bureaus.
Product: Credit card

Called and asked for a lower interest rate, having financial issues. Was told multiple times by multiple chase operators the only was to lower or stop interest is to close the account. Was told still had to make minimum payments but interest would stop. I close account and the interest never stopped. The NOW say I was given wrong info, but will not honor what they told me. I stopped paying card, and now 90 days past due, my credit dropped from XXXX to XXXX. They are charging XXXX percent
Product: Credit reporting or other personal consumer reports

See response from the company on my complaint from XX/XX/2024. 
It has been over 30 days and XXXX XXXX XXXX XXXX XXXX failed to respond or send requested validation information by law. 



Company responded STATUS Company responded on XX/XX/2024 RESPONSE TYPE Closed with explanation Company 's Response We have received your complaint and it is important to us. XXXX XXXX XXXX XXXX XXXX ( XXXX ) has submitted your dispute to the creditor and requested they provide us with debt validation. Once validation is received in our office, it will be forwarded to you. We have updated the XXXX major credit bureaus ( XXXX, XXXX, Transunion ) with the disputed status of this account. The consumer XXXX contact our office directly at XXXX or email us at XXXX with questions or if further assistance is needed.
Product: Mortgage

In XX/XX/XXXX we got a Home Mortgage Equity LOAN, not equity line, originating with XXXX XXXX. At that time and with our poor credit we had to go with a high fixed rate of 12.25 APR interest. We signed up for a 15 year loan that is supposed to be completed in XX/XX/XXXX. After getting the loan we put our heads down and just kept it paid. My wife and I have been paying this loan for 11 1/2 years. Recently XXXX sold (? ) our loan to Select Portfolio Servicing ( SPS ). Today I received the first statement by mail from SPS and was very confused when the figures were computed. In XX/XX/XXXX we took out a 15 year Home Equity Mortgage Loan of {$25000.00} ( XXXX XXXX XXXX dollar ) with 12.25 % APR interest rate, and as of today we owe, according to SPS, {$24000.00}!! We have n't missed any payments and have paid on time. According to the statement, the payment due is {$260.00} a month with {$26.00} going to Principal and {$230.00} STILL going to Interest. I called them today to find out about getting the correct amount owed where it should be and the lady I spoke to insisted that the numbers were correct. So after paying {$260.00} a month for 11 1/2 years on a {$25000.00} ( XXXX XXXX XXXX Dollar Loan ), we still owe ( according to SPS ) {$24000.00}. According to these numbers we have paid approximately {$33000.00} in interest, yet only {$3600.00} has gone toward principle on a {$25000.00} loan at 12.25 % for 11 1/2 years. When I asked how this loan could possibly be paid off by XX/XX/XXXX, she stated that " there will be a balloon payment at that time ''. I then asked the amount of the balloon payment and she said " It 's not on here. '' referring to our paperwork By my calculations our " balloon '' payment will be {$12000.00} IF every monthly payment from this point is applied to the principle, which it wo n't. The other issue I 've discovered is that in XX/XX/XXXX, XXXX had our loan balance amount at {$23000.00} outstanding, but somehow SPS has increased that amount to {$24000.00}. So they are charging us an additional {$610.00} for a " Deferred Principle ''. I asked that we be mailed the paperwork SPS has for our loan and they claim they will send it in 5-7 business days. This must get sorted out or e will never be free of a loan that is supposed to mature in XX/XX/XXXX.
Product: Debt collection

Portfolio Recovery has tried multiple ways to contact me. I have asked them to stop. I have even disputed them on my credit report. I am being harassed over {$460.00} that was taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont have account I have several inquiries that have to be that inquiries reached capital one on XX/XX/XXXX and was transferred XXXX x with no help or resolution to get this removed it is theft not me theft of identity for some attempting to apply in my name I reached XXXX XXXX department they saying file FTC report to get the inquiries removed frustrated and hurt capital one Was terrible XXXX transfers. I have even signed up last year to stop all mailers for card solicitation in my mail box and notice last inquiry was XXXX. I need them removed please tearful plea.
Product: Credit reporting, credit repair services, or other personal consumer reports

on my credit report shows I had a lease opened up under my name, this is not mine..I DONT WHEN OR THE AMOUNT FOR THIS LEASE
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX XXXX, XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Product: Credit reporting or other personal consumer reports

I've asked XXXX to remove this from my credit report since this account does not belong to me. XXXX supposedly did an investigation and came to the conclusion that the account is mine. Two accounts from Bank of America appear on my credit report, one of which is mine and I've always paid on time and another which is the one that I'm disputing that is not mine. The account that is not mine is affecting my credit in a negative way and I would like to have it removed from my credit report.
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 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 months that are reported late 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Last Four of Social : XXXX Account Number : XXXX Dates of Delinquency : XX/XX/2019 The consumer is violating my rights under the FCRA to conduct a reasonable reinvestigation and told me via email that they do not have to response to be inquiries regarding the delinquency on my credit profile. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumers file is inaccurate. ( XXXX v. XXXX XXXX XXXX. ) My inquiries about the delinquencies on my credit profile are not frivolous. 
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating : Account Number : XXXX Dates of Delinquency : XX/XX/2019 Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please tell me how you verified these items. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Please delete let late payments on the account immediately.Please forward me an updated credit report after you have completed your Investigation and corrections. Your cooperation and prompt attention are greatly appreciated. 

Best Regards,
Product: Credit reporting

There is a collection on my TransUnion report from XXXX which is not mine. I have never had XXXX service and believe this to be identity theft. I am in the process of notifying TransUnion and reporting the fraud as well as placing a security freeze, but the site is bogged down and does not work properly. I also do not believe that the site itself is as secure as it should be. In addition, when I try to request a free copy of my report, it says that I have already gotten it, and I have NOT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I REFINANCED MY CAR WITH A NEW LENDER ( XXXXXXXX XXXX ) IN XXXX OF XXXX. My old lender was XXXX XXXX XXXX. Experian reported my old XXXX account XXXX XXXX XXXX as closed in XX/XX/2021 with one late payment. Then in XX/XX/2021 Experian reported the account opened again and reported two more late payments when my Account with XXXX was closed and Paid in Full. I have disputed this account several times with Experian and have received no response on this matter. I even sent them an invoice of several violations to my credit file including this one along with an invoice for remedy and a affidavit of truth notarized back in XXXX and I have not received any correspondence. Tracking number XXXX In accordance with the Fair Credit Reporting act. The Listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX Experian, XXXX, and XXXX is violating my consumer rights by : Reporting Inaccurate Information on my consumer file which includes 1.Experian is reporting two extra late payments for XXXX and XX/XX/2021 when account was closed since XXXX and Paid. 
2.Experian reported my account closed in XXXX XXXX then reported it opened again in XXXX and added two late payments XXXX is reporting two late payments as well for XXXX and XXXX of XXXX when account has been closed since XX/XX/2021 XXXX. Opened dates are all different for each consumer reporting agency. 
XXXX is XXXX Account status as closed. Experian is reporting as paid. XXXX is reporting as closed XXXX. XXXX is reporting XXXX extra late payments for XXXX, XXXX, and XXXX of XXXX 

Information on all three consumer reporting agencies are all different and inaccurate all across the board. 

I disputed this account several times with all three CRA 's and all three CRA 's stated that my account was properly investigated or they did not respond at all. How is that possible when the open date, payment history, date last active, account status are all inaccurate for all three CRA 's. This is ground for account removal from all three CRA 's and monetary relief because my rights have been violated under 15 USC 1681 section 602 A which states my right to privacy 15 USC 1681 SECTION 604 A SECTION 2 which also states a CRA can not furnish a account without my written instructions. 

Also Experian took more than 30 days to complete investigation and the other two CRA 's XXXX and XXXX did not conduct a proper investigation and didn't respond at all. 
Tracking NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I consumer XXXX XXXX, sent XXXX a request for my consumer report. They have not supplied me with a copy of my consumer report.
Product: Checking or savings account

Our Mercury Bank account was locked from online access on XXXX/2023, so that we can not see the balances or any transactions simply because an incoming ACH payment was not in my name. I explained via email to Mercury Bank 's compliance department that the ACH was in a dba of ours and even provided documents to prove that but Mercury has so far ignored us. {$10000.00}. was confirmed via email from Mercury as transferred from the account yesterday to another ( linked, external ) account of ours and they did email us the confirmation that this was done, but this was before Mercury compliance locked the account so now we don't even know what is going on or if Mercury in fact made the transfer. And another ACH deposit arrived in the bank account today and we don't even know what happened to it or what our balance is. This is NOT the way to do business over something as minor as the name on an ACH not matching the account holder name which actually the name DOES match our dba. If a bank has an issue with an incoming ACH it must either accept it or return it to the source it CAN NOT both accept the ACH and then refuse to honor a customer 's order to transfer the funds out - that would be a violation of federal Banking regulations to provide confirmation that a transfer was made and then not make it, let alone to hold funds in our account and also not honor the transfer out request.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.