23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have been having problems with Card Services- Dispute Resolutions XXXX XXXX XXXX, XXXX GA XXXX starting XXXX of this year with incorrect information not updating personal information restricting my access to my accounts via debit card unable to provide any resolution also identity theft unauthorized transactions including no security measures in place also replacement of debit cards that were not received sent to different addresses including unable to forward mail labeled undeliverable I would like a thorough investigation into these card service and woul like to file an extensive complaint. Also including rerouting of mail including mail fraud
Product: Debt collection

Millenium Financial Group, is trying to collection on a debt I open with XXXX 's in 2008. That debt is outdated and should not be able to be collected on. I have paid out all my accounts with XXXX in XXXX, Tx. What best describes my situation was not above as an Outdated account that is trying to be collected on. There needs to be a check box for Outdated debts as well for my situation just as well as other consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are due to identity theft and need to removed and blocked immediately. I have attached a copy of FTC Report and Police Report to this correspondence. 

The following fraudulent accounts need to be removed and blocked immediately under FCRA or legal actions will be taken against XXXX. These accounts were opened by someone who stole my identity and use my information without my permission. I am requesting for XXXX to block and remove these fraudulent accounts immediately within four day of receiving my FTC report. 

1. American Express Account # XXXX Balance :  {$3600.00} 2. American Express Account # XXXX Balance : {$3700.00} 3. XXXX XXXX XXXX Account # XXXX Balance : {$550.00} 4. XXXX Account # XXXX Balance : {$3000.00} 5.XXXX XXXX   XXXX Account # XXXX Balance : {$8600.00} 6.XXXX XXXX XXXX Account # XXXX Balance : {$5500.00} 7.XXXX XXXX XXXXN Account # XXXX Balance : {$28000.00} 8.XXXX Account # XXXX Balance : {$3500.00}. 

Under FCRA, XXXX has four days to remove and block these accounts. If not, I will reporting your company to XXXX XXXX, Consumer Financial Protection Bureau as well as my Attorney General Office due to your negligence.
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 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX Owed : {$0.00} XXXX  XXXX Owed : {$0.00} XXXX XXXX Owed : {$95.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Owed : {$2200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Owed : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Owed : {$930.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$2200.00} XXXX XXXX XXXX XXXX Owed XXXX {$17000.00} Date Opened : XX/XX/2021
Product: Debt collection

This company called me and indicated that if I paid them, they would remove the negative information from credit report. After reluctantly making the payment, the information remains and they have no even updated the balance. I've called and written numerous times, but have not received a response. Additionally, after reviewing the medical bills in question it appears that I paid much more than I originally owed. I have also started to receive collections related to this already paid debt. So, did this company have the authorization to even collect this debt?
Product: Mortgage

On Friday, XX/XX/2019, I called in to make a payment by phone. At that time, I authorized a payment in the amount of {$2000.00}. I was given a confirmation number ( XXXX ). On XX/XX/2019, I checked my banking account and discovered that {$4000.00} had been withdrawn for payment. I did not authorize that amount. I want the funds returned to my account.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX - XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative. I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action.
Product: Credit card or prepaid card

On the day of XX/XX/XXXX I got an email alert from my bank stating that someone is trying to use my name to open up an account from Citi bank my bank provided the contact information. I immediately contacted the other bank which is ( citi bank ) and they told me nothing with my info was in there system. Yesterday on XXXX XXXX  I get another alert that my credit score had been dropped upon checking my credit report I noticed a new account for Goodyear XXXX/ Citibank I have no knowledge of this, I've never applied for nor have I done any business with this company. Please help me remove this from my credit and prosecute those responsible.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and found proof that they illegally reporting inaccurate information about me. the alleged collection account is not only listed as being OPEN but also having as having a PAST DUE BALANCE. I sent a dispute letter past 45 days and no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card and was denied due to fraudulent accounts reported on my credit history! I would have never been aware of this unless I applied and I am shocked to have even seen such accounts and wonder what's the real process for this to have happened without my authorization or knowledge. I would like these accounts eliminated from my credit history before I seek legal action. I have no money nor time to waste on foolishness. I am irate and in disbelief that not once was this verified before being added to my credit report. Please remove these accounts as soon as possible so that I can build my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Bk which is clearly not mine is reporting on my credit file with Transunion. XXXX  and XXXX  have removed the error but Transunion still refuse to delete it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all these fraudulent inquiries from my credit report. INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have an eviction on my record from XXXX XXXX Apartments in XXXX XXXX XXXX, Utah. XXXX Apartments filed a retaliatory eviction against me. We went to court and settled that I would pay the remaining rent balance and not post anything online and move out at the end of XXXX 2015. I complied with everything that was agreed upon in court and in return they was supposed to give me neutral renters history. However after paying the balance which was agreed upon XXXX XXXX Apartments made extra demands for money that was not part of the settlement and have issued an eviction on my record. XXXX XXXX Apartment not only filed the illegal eviction but attempted to extort more money from me because of my military status and fear that an eviction would negatively affect my career.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Reporting XXXX ( Account Ending in XXXX ) To Whom It May Concern, I am writing to dispute inaccurate and inconsistent reporting of the XXXX account ending in XXXX on my credit report. Although the balance is listed as {$0.00}, this account contains numerous inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). 

Disputed Information and Inconsistencies 1. Date Opened : Different dates are reported across bureaus ( TransUnion : XX/XX/XXXX, XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX ). 
2. High Credit Amount : Inconsistent high credit amounts ( TransUnion : {$1400.00}, XXXX : {$0.00}, XXXX : {$1000.00} ). 
3. Credit Limit : Conflicting credit limit values ( TransUnion : {$1000.00}, XXXX : {$1000.00}, XXXX : {$0.00} ). 
4. Last Reported Date : Different dates of last reporting ( TransUnion : XX/XX/XXXX, XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX ). 
5. Date of Last Activity and Payment : Inconsistent dates for the last activity ( TransUnion : XX/XX/XXXX, XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX ) and last payment ( XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX ). 
6. Comments and Payment History : Comments and 2-year payment history are inconsistent across all bureaus.

Violations 1. 15 U.S.C. 1681e ( b ) : FCRA mandates maximum possible accuracy in credit reporting. These inconsistencies clearly fail to meet that standard.

2. 15 U.S.C. 1681i ( a ) : Credit reporting agencies are required to investigate disputes and correct or remove inaccurate information promptly. 

Requested Resolution I request that XXXX : 1. Delete the XXXX account from my credit report entirely due to its multiple inaccuracies and inconsistencies. 
2. Provide written confirmation of the resolution and any updates made to my credit report.

Supporting Documentation 1. A copy of the XXXX credit report details highlighting the inconsistencies. 
XXXX. Correspondence from XXXX XXXX XXXX  regarding the account transfer and their refusal to issue a 1099-C.

3. A copy of my government-issued ID and proof of address for verification. 

Please investigate this dispute promptly and notify me of your findings within 30 days, as required by law. 

Sincerely, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I contacted the Creditors and let them know that I do not have any accounts associated with their Financial Institutions and I did not authorize or give permission for credit check with the inquiries soft or Hard. ( XXXX XXXX XXXX is the only Authorized ) All others are reporting Falsely. 
On XX/XX/year> I contacted Experian spoke with Representative name XXXX for 20 minutes and 39 seconds as he kept telling me that he can not remove the Hard inquiries felt like my XXXX XXXX was elevated. XXXX experian rep gave me the phone numbers again for each creditor which I've already told him that I contacted, then called XXXX and XXXX and advised them according to the FCRA- Fair Credit Reporting Act unauthorized & unverified Items must be removed. 

I am requesting the Removal of all Hard Inquiries from all 3 credit bureaus for False reporting inaccurate unauthorized information to my name. 
*EXPERIAN- 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: Checking or savings account

I opened a new checking account with Regions Bank. I used the link to Regions Bank, copied and pasted the coupon code to get {$300.00} bonus. After successfully completing the requirement, the bank refused to pay by saying they didn't see the coupon code applied to my application. I email them the screen shots that I took. They still refused with the same reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company took more then 30 days to days to respond to my complaint which violates the standard set forth by federal law and the FCRA. A proper investigation did not take place. They failed to produce my written consent allowing XXXX XXXX XXXX XXXX XXXXXXXX to release my private information. I have no proof of contract with this company XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Credit Information Under 15 U.S.C. 1681 Dear XXXX, I am writing to formally dispute the reporting of a closed account on my credit report, specifically the account with the number XXXX, which was opened on XX/XX/XXXX. I believe this account is being reported inaccurately and request that it be removed from my credit report. 

I would like to bring to your attention that I never provided written consent for any creditor to furnish my information or obtain my information as mandated under 15 U.S.C. 1681b. Therefore, I dispute the validity of this account being reported on my credit file. 

The details of the account in question are as follows : - Account Number : XXXX - Account Type : Credit Card - Date Opened : XX/XX/XXXX - Status : Closed Given that I did not authorize this reporting, I am requesting that you conduct a thorough investigation into this matter. If you are unable to provide the necessary documentation showing my consent for the reporting of this account, I ask that you promptly remove it from my credit report. 

Please send me a copy of my updated credit report reflecting any changes made as a result of this dispute after your investigation is complete. 

I appreciate your immediate attention to this matter and look forward to your response within the 30-day investigation period required by the Fair Credit Reporting Act. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Amerassist AR Solution Account # XXXX, XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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. 




XXXX AR XXXX  Account # XXXX, XXXX. XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A States 1 have the right to privacy. 

15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a count with out written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 am writing to formally dispute inaccuracies on my credit report that may be a result of the XXXX data breach. I believe that the following information is inaccurate, and I am requesting that it be investigated and corrected immediately. The specific issues I am disputing are as follows ( See attachments ). I suspect this error stems from the XXXX data breach that occurred in 2017, during which my sensitive personal information may have been exposed. As a result I request that you investigate the disputed information, provide me with the results of your investigation and correct or delete any incorrect or fraudulent information. Enclosed I have included the following documents to support my dispute. A copy of items highlighting the inaccurate information, a copy of an identity theft affidavit and a copy of my photo identification card. Please complete this investigation with in the 30 days time frame required by the fair credit reporting act ( FCRA ). If you determine that the disputed information is inaccurate, I request that you notify me and all other credit reporting agencies to update their records accordingly. Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice i have fraudulent accounts on my report. Please remove them, they are hurting my ability to obtain credit.
Product: Debt collection

The original cred itor is GE Capital Bank. I  had  a Gap a nd  Old Navy Store c ard with them. I got behind on both accounts. They were both charged off.They were also both bought by  XXXX   XXXX . I got a notice from  XXXX  recovery o n   XXXX   XXXX   XXXX  . I settl ed out for both of the debts. ( Gap- {$300.00}  ) and ( Old Navy- {$3 00 .00} ). Th ey both was settled after the charge off. However, i never received my requested letter that the debt was paid and they never reported differently on my credit report. I have a collection account with them now with minimum information. I would like both debts removed from all  XXXX  credit bureaus due to violations of the Fair Debt Collection Practices Act and Violation of the Fair Credit Reporting Act. They are reporting different high balances on my reports. This is wrong. They also are not showing the full account number on my reports. The reporting activity dates are off and inaccurate. Please help me resolve this.
Product: Mortgage

I paid off the mortgage in full on XX/XX/XXXX. The payoff amount was originally listed as {$30000.00}, which I paid. However, based on the contents of the attached letter, there was a refund due of {$13.00}, which was supposedly issued on XX/XX/XXXX. I never received that refund if it was indeed due to me as stated in the attached correspondence. My latest call to SPS on XX/XX/XXXX, I was told that it was in dispute and to call back in a month or so. First, I never issued a dispute ; this is a fact, not a question or dispute. I am seeking your help to resolve this issue. 

The following are screen shots of correspondence from SPS, and nowhere in that list is there a letter acknowledging that SPS sent me a refund.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Experian and XXXX Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Experian and XXXX Credit Bureaus are responsible for their tenacious rebelliousness. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

1. Pennymac mortgage increased my payments in a letter on XXXX XXXX XXXX  from {$1200.00} to {$2300.00} due XXXX XXXX XXXX Two things happened, First, unbeknownst to me my XXXX XXXX XXXX XXXXXXXX application was incomplete and beginning XXXX XXXX XXXX  I began working with the XXXX XXXX XXXX XXXX to correct this issue. It is resolved as of XX/XX/year> but not yet reflected in my escrow. Second, XXXX paid XXXX insurance companies when I had changed policies. XXXX XXXX XXXX XXXX raised my premium from {$920.00} on XX/XX/XXXX, XXXX to {$3100.00} for XX/XX/XXXX, XXXX causing me to obtain a cheaper policy at XXXX. Because XXXX paid both policies, my escrow was at {$0.00}. This was a XXXX over payment and I dont understand why it the old company payment was not refunded the premium. 

XXXX. I have spent literally hours on the phone and with XXXX message center regarding the XXXX XXXX XXXX XXXX. 
XXXX increased my mortgage payment by several hundred dollars a month for 30 months to cover the escrow deficit. The taxes were corrected and refunded to me by XXXX XXXX and I paid {$3000.00} directly to escrow, however in the meantime I have been paying an increased mortgage amount. The escrow account is now balanced but XXXX performed an escrow analysis and insists I still pay the increased mortgage amount! 
Please advise of any actions available to resolve the payment amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies have used my credit for hard inquiries and I never allowed them permission to use my information or to run my credit. I have contacted the dealships and told them they need to fix this issue and they did not follow up with me. 




Captial one Auto Finance Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX , XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The ExperianXXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$7500.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX