23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Mortgage

I attempted to contact Cardinal Financial Company on three occasions : XX/XX/XXXX, and XXXX, XXXX. 

I received my escrow analysis. From the analysis, it looks like I have a shortage of {$210.00}, which spread out over 12 months of payments adds {$17.00} and brings my total monthly payment to XXXX. Based on the data in the electronic system and on the new payment analysis, Cardinal 's documents indicate a monthly payment of {$2100.00}. This would result in an overpayment of {$190.00}. Further on the payment coupon, included in the Escrow Analysis, I am provided an option to pay the full shortage of {$210.00} or have a monthly increase of {$2100.00}. 

In short, the Escrow Analysis contains multiple inconsistencies, which have now been hard coded into my revised payment plan. I have sought clarification from Cardinal Financial Company via their secure portal and have not received a response. This new payment goes into effect on XX/XX/XXXX and I am concerned about the errors in documents provided by Cardinal.
Product: Credit card or prepaid card

I have previously filed a complaint on XX/XX/2023 reference complaint ID XXXX. I am disappointed that Capital One used an excuse to avoid fixing the issue. They claimed it was submitted by person who is not an authorized party. They claimed they called multiple times, but in reality they only called once and left a voicemail. They were quick to decide an excuse avoid my concerns. I have attached the letter that I received from them.
Product: Credit card or prepaid card

Someone I do not know hacked my computer and made fraudulent charges on my account amounting to {$12000.00} and was made on XX/XX/2013
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the Experian and XXXX credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX, XXXX XXXXXXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$2900.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$2300.00}.
Product: Prepaid card

I received an Amex eGift Card. This includes an email You have received an American Express eGift Card from Delivery@orders.amexgiftcard.com. And on there I clicked the link to validate and print the card, which loads on https : //balance.amexgiftcard.com/ # /account and shows a balance. I attempt to use this on XXXX ( using {$1.00} less than the face value of the card ). And the transaction is declined. I then tried again with various other amounts less than the full face value. Many people have reported having this problem starting this past year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experican refuses to remove the duplicate accounts on my credit report from XXXX XXXX XXXX after being provided proof of duplication.
Product: Payday loan, title loan, personal loan, or advance loan

I entered a payment arrangement for XXXX XXXX company thru a collection agency named Triton Recovery. I was paying {$300.00} weekly and towards the end of my agreement I feel behind on the last two payments of the agreement due to hardship of the agreement. I was contact by one of their agents via email and via phone, she was not very nice about the situation and basically was trying to force a payment. So I agreed to pay {$750.00} the next day to avoid paying another {$4000.00} that I could not afford. I requested a payoff letter for the {$750.00} paid off for the loan and did not get a payoff letter. Recently they have been calling me about defaulting on the loan which is not correct. I responded to the voicemails by calling their number, but they did not respond to me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1692c. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 15 USC 1692c states ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
Product: Mortgage

I found a notice of a 30 day late payment on my credit card so I called the company bc I have always paid my mortgage on time and typically over the required amount. It said on the report that I was was past due for XX/XX/year> however, I had made my standard payment that month. I was told later that my payment had increased from approximately XXXX to XXXX, however, I never received written notice of this increase and therefore had paid the XXXX that month. My payment history will show that I almost always paid over for months priory bc it was important to me to keep this account in excellent condition and I would never jeopardize that by paying the amount I did in XXXX which was clearly the same amount it had been every month prior
Product: Credit reporting or other personal consumer reports

After many request, The credit reporting agency is refusing to complete a thorough investigation, as well as sending the necessary proof of accuracy and HOW they have proved that these accounts are indeed accurate.

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 and cause a great amount of stress.

I am now requesting the description of the procedure followed to determine the accuracy and completeness. According to 15 USC 1861i ( a ) ( 6 ) ( b ) ( iii ) of the fair credit reporting act, I am now requesting the description of the procedure followed to determine the accuracy and completeness of these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Please verify the open date on this collection. I do not recall this - please verify this and remove it if it is in fact inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX - This is also completely inaccurate. - This is inaccurately reported on my report. 
XXXX - XXXX - This is also completely inaccurate. - This is inaccurately reporting on my report. 
XXXX XXXX XXXX XXXX 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 forward me an updated credit report after you have completed your Investigation and corrections.

Additionally, I am requesting the ORIGINAL CONTRACT with the appropriate signature. Your cooperation and prompt attention are greatly appreciated.

As proof of my identity, I have included copies of my drivers license. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Sincerely, XXXX XXXX
Product: Debt collection

I had XXXX done at the Hospital XXXX. I received a statement from them stating that I owed XXXX I called the Hospital and explained I would need a payment plan to pay the amount I owed. They sent out paperwork that I filled out and returned to them. After waiting and not hearing anything I called them back 2 times to try to find out about a payment plan. I was told both times not to worry, that they were overwhelmed and would get back to me. I received a phone call from the Revenue Group stating they were taking over my account. We agreed on an amount and I was told they would send out a statement in a couple of weeks. 
I received a phone call from the Revenue Group about a month later asking me why I have n't paid on my bill. I told them I was waiting for a statement from them. They informed me they sent out XXXX statements. I never received these statements or any kind of validation notice from them in the mail. I verified my address with them over the phone. In good faith I sent them a check equal to XXXX payments and reminded them that I still have not received any type of paperwork from them. The check was cashed about 2 weeks later. As of today we have not received a receipt, validation notice, or any kind of written statement from them. If they are sending them out, I am not receiving them. I do not wish to be called by them again insinuating I am not paying my debt. I am more than willing to pay what I owe, but I would like some type of receipt or statement proving that I am sending my money to the correct place.
Product: Credit reporting or other personal consumer reports

The consumer is reporting that my auto loan is charged off/written off/profit loss but wont send me a 1099-C. The balance is also showing on XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just reviewed my consumer report and found that there are still unauthorized inquiries. I already communicate to TransUnion requesting for reinvestigation unfortunately the issue remains unresolved to this day. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXXI Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inaccurate charged off accounts on my credit reports that I have been disputing for some time. Each bureau is reporting completely different information concerning the accounts with XXXX and XXXX XXXX. 

XXXX is reporting different last active dates and open date. 

XXXX XXXX is reporting different account numbers, last active dates and open dates. 

If all bureaus get their information from the same place, how is it that they are all verifying different account information? They are in clear violation the law and my rights as a consumer and I am requesting that these accounts be deleted from my credit report and all documents concerning this debt be sent over to my mailing address.
Product: Debt collection

Good Afternoon, i first noticed that i had a collection open with Hunter Warfield, i contacted them what it was about and i was told that it was from a broken lease, and i replayed that i didnt terminate a lease with XXXX XXXX, and didnt renew my lease. i requested a copy of the claimed lease and they couldnt provide it. i asked if paying this would delete the collection from my account several times and every response was a blank message. can you please assist me with this, when i moved out of my apartment at XXXX XXXX XXXX, i was served with an evition notice either pay in 3 days or return keys. i returned my keys to the office in the drop box. after the first complaint the collection mark was removed from two of my credit reports, but it still remains on my XXXX report, since they cant proove that i owe this dept it needs to be removed from my XXXX  credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 section 602 states : I have a right to privacy.

15 USC 1681 section 604A states : a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan for late purpose.
Product: Checking or savings account

I opened a safe checking account with Bank of America about three years ago. The reason I opened this account was so I could never over draw my checking account. 

I was living in a hotel for a few months last year. I was charged several times for charges that were not authorized and in fact were suppose to be credited to my account. Bank of America Allowed these charges to go through when I didnt have money in my checking account. When they never allowed charges to ever go through before. These charges were placed on 2 different occasions a and I submitted a claim with Bank of America. They paid 3 of out of the 6. 

This has caused so many problems for me I no longer have a checking account cause it was closed due to my account being over drawn XXXX dollars I feel like I was taken advantage of and Bank of America refuses to help me
Product: Checking or savings account

My daughter, XXXX XXXX, had a checking account with Wells Fargo ( XXXX ). 
She got caught up in an online fraud. Wells Fargo allowed an obviously fraudulent check be deposit into her account for {$1500.00}. Her account never even had {$1500.00} in it and had never even made a {$1500.00} deposit before. While they put this amount into her account, they did flag a subsequent {$1000.00} check. In the meantime, they allowed her to XXXX ( from her Wells Fargo account ) to scam XXXX address. My daughter made a mistake. However, Wells Fargo needs to take ownership that they both processed a bogus check, which allowed the bogus XXXX check and an additional XXXX for {$500.00} to go through. {$1500.00} total.
Product: Credit reporting, credit repair services, or other personal consumer reports

ILLEGAL REPORTING OF INCOME ON MY CREDIT REPORT, no INCOME IS ALLOWED TO BE REPORTED ON A CREDIT REPORT The IRS generally considers canceled debt of {$600.00} or more as taxable, and settling debts for less than what's owed can increase your tax liability depending on your tax bracket and the canceled amount. UNDER IRS PUBLICATION 4681 Being that the following accounts were all charged off and over {$600.00} which is taxable income and reported to the irs as taxable income please remove the following accounts immediately from my credit report for illegally reporting income on my credit report. Income is not allowed to be reported to a credit report or suppose to be a factor within a credit report. 
IF EVERY DEBT IS CONSIDERED INCOME BECAUSE ITS CONSIDERED A SECURITY INCOME CANT BE REPORTED ON MY CREDIT REPORT NOR IS IT SUPPOSE TO BE! WHEN A CHARGE OFF IS FILED THE FOLLOWING COMPANIES FILED A 1099-C A CHARGE OFF IS CONSIDERED A SECURITY, WHICH MEANS IT IS CONSIDERED INCOME! ALL DISCHARGED  DEBT ACCORDING TO IRS PUBLICATION 4681, ALL CHARGE OFFS OVER {$600.00} DUE TO THE IRS ARE CONSIDERED INCOME! INCOME IS NOT ALLOWED TO BE REPORTED TO MY CREDIT REPORT! 

I have also filed a 1099-c on XX/XX/2023 which was accepted by the Irs and then mailed to XXXX XXXX  and then directly was emailed & directly mailed to their CEO & CFO with a copy of the 1099-c, which I have submitted here. 

Please immediately delete the following accounts immediately from my credit report! 


XXXX XXXX  CHARGE OFF FOR {$880.00}
Product: Checking or savings account

Denied Access to Funds Imposed Unfair Overdraft Fees Failed to take Action when reporting Unauthorized charges, Deceptive Practices Negligable Securitization Failure to Preform Duties
Product: Mortgage

Please refer to my ongoing complaint. 

In the process of my ongoing complaint ; I have identified another MAJOR issue with the servicing of my mortgage with Chase Home Mortgage. 

Original : # 1 ) my payments are being misapplied # 2 ) Chase is telling me it is my responsibility to notify Chase when they misapply payments New # 3 ) Chase has dual records of my payments. I get transaction date when I obtain my records online, but a separate report send to me has " posting date '' showing the " posting '' an average of 2 to 3 days after the payment is posted. On average, Chase is charging me two to three days of extra interest due to this [ improper ] payment posting. 

Summary of NEW issue *please note that corrections were made AT MY REQUEST - Chase tells me that I have to notify them whey they misapply payments ( which is part of my original dispute ) Payment Received Payment " Posting '' Original Issue ( # XXXX ) XXXX/XXXX/XXXX XXXX/XXXX/XXXX no interest posted on this date XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX *correction - posted as of XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX no interest posted on this date XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX *correction - posted as of XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX no interest posted on this date XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX *correction - posted as of XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX no interest posted on this date XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX *correction - posted as of XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX no interest posted on this date XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX *correction - posted as of XXXX/XXXX/XXXX
Product: Debt collection

My girlfriend and I moved out of our ( XXXX at XXXX XXXX  ) apartment on XX/XX/XXXX. We paid our rent in full, in addition to the required fees per the online invoice. Nine months later ( late XXXX ) we received a collections request from National Credit Systems Inc on behalf of XXXX at XXXX XXXX indicating we owed {$210.00}. There was no detailed explanation as to what the debt was for at all. 
On XX/XX/XXXX we responded ( via registered mail ) to National Credit Systems disputing the debt and asked for debt validation. It wasn't until XX/XX/XXXX we received a letter from National Credit Systems demanding payment or our credit would be affected, and no explanation or validation of the debt owed included in the letter. 
We checked our credit and found out that National Credit Systems had attached our credit back in XXXX of XXXX. 
On XX/XX/XXXX we wrote another letter back to National Credit Systems ( sent registered mail ) explaining to them that we still have not received a debt validation letter from them and that they have violated several sections of federal law by their actions and/or nonactions. We have yet to hear back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint XXXX Has taken more than 60 days therefore accounts it must be deleted. 

accordance with the Fair Credit Reporting act XXXX XXXX  Auto Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX has 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 a account without my written instructions. 

all wrong address must be deleted.
Product: Credit reporting

I sent a letter to Equifax on XXXX/XXXX/2016 in regards to inquiries on my credit report that I have not authorize, apply for a job, credit, nor was credit granted to me. I asked for them to provide documentation showing proof of my authorization. On XXXX/XXXX/2016 I received a letter from Equifax that provides information about inquiries although it does not resolve the my concern. I also placed a fraud alert on my credit file the end of XXXX to try to alleviate anything further and I have since had inquiries reported on my file. I contacted Equifax on XXXX/XXXX/2016 to discuss my dispute and ask that they be removed since I did not authorize. I was told I needed to contact each creditor and ask them to request the removal. I have since contacted each creditor by phone and by letter. When contacting by phone I was advised that I need to send a letter so I proceeded with the letter. I have not received a repspone from the creditors so I contacted Equifax one more time to state that I contacted the creditor and that I have not heard anything. I was advised to allow additional time even though it has been 30 days with no response. I would like the inquiries to be removed from my credit file as I did not authorize them. Any assistance would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.