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

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX XXXX Balance : {$78.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX  XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX creditor XXXX XXXX Balance : {$91.00} Original creditor : XXXX Balance : {$550.00} Original creditor : XXXX Balance : {$130.00} Original creditor : XXXX Balance : {$78.00} Original creditor : XXXX Balance : {$1500.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX PL XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$78.00} XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX Balance : {$91.00} XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX Inquired on XX/XX/2021 2021
Product: Credit reporting or other personal consumer reports

I have sent numerous emails and certified letters to all companies involved without any response. I Have sent letters of validations without any response. XXXX XXXX XXXX  has no evidence that that account belongs to me, and I have also contacted the company, and they too have no account with my name or any official signed document with my signature on it stating that account belongs to me.
Product: Checking or savings account

TD Bank closed my personal business account back in XX/XX/2021 because I had cashed business checks into the account and I didnt know this was allowed. It was closed without noticed and when I called I was told to get in contact with their demarketing department. I Left numerous XXXX with that department the first type months and did not get a call back. I finally visited a branch to see why TD closed my account. After a few days, the banker working with me was finally able to tell me it was because of the checks. He later told me that the funds would be released if I could prove the business was in fact mine. I wasnt able to provide the paper work right away. But I did eventually. Submitted my articles of corporation to TD to release the funds. I still havent heard back from their demarketing department and no banker at the branch is able to help me or get a hold of them either.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate late payment ( s ) reported on my consumer credit report under the Fair Credit Reporting Act ( FCRA ). The account in question, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> shows late payment ( s ) that I believe are incorrect.

Specifically, these late payment ( s ) were not reported to XXXX, which raises concerns regarding the accuracy and consistency of the reporting by your agency. Under the FCRA, credit reporting agencies are required to maintain the accuracy and completeness of all information reported on consumer credit files. 

I kindly request that you conduct an immediate investigation into this matter, and upon confirmation of the inaccuracy, I ask that you delete the account and the associated payment history from my report. I have enclosed copies of my XXXX credit report to substantiate my claim, as well as any other relevant documents for your reference. 

If you can not verify the accuracy of the reported information, I request that the inaccurate late payment ( s ) be removed from my credit file as mandated under the FCRA.

FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i report containing information solely as to transactions or experiences between the consumer and the persen making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Mortgage

RE : XXXX XXXX XXXX, XXXX, MA, XXXX The mortgage is now with Community Loan Servicing LLC, and they are attempting to foreclose. Community Loan servicing sent me a letter on XX/XX/XXXX, reference XXXX, that foreclosure proceedings would be started if XXXX XXXX ( also on the title of my home and responsible for paying the mortgage, on the note ) does not contact them. 
Attorney XXXX XXXX XXXX submitted in writing a document to XXXX Court, signed on XX/XX/XXXX, stating that his client, XXXX XXXX had been paying his mortgage. 
There is no contact from XXXX XXXX or from XXXX XXXX with additional information. 

Furthermore, there have been a number of forced entries in to the home and the XXXX Police have repeatedly refused to file reports. 
This occurred again on XX/XX/XXXX, even after a police officer stated that a window was open at the house during an investigation after an XXXX alarm went off at XXXX XXXX. 
Someone appears to be watching the house. 

Regards, XXXX XXXX XXXX
Product: Checking or savings account

Problem with a fee reflecting on a day after purchase as a singular fee when I have a record of the specific transaction reflecting all transactions for that day including the purchase I got an extra fee for.
Product: Credit reporting or other personal consumer reports

My deep frustration and utter dismay regarding the ongoing presence of fraudulent accounts on my credit report, despite my repeated attempts to have them removed. I demand immediate action to rectify this egregious error and restore my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I can not overstate the frustration, XXXX, and inconvenience this situation has caused me. I have spent countless hours communicating with your bureau, providing the necessary evidence, and patiently waiting for resolution, only to be met with repeated indifference and inaction. Your lack of responsiveness and inability to resolve this issue promptly is not only unprofessional but also exacerbates the harm done to my financial well-being. 
Failure to comply with my request will leave me with no choice but to take legal action against your bureau for negligence and noncompliance with the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws.
Product: Mortgage

SPS/Select Portafolio Servicing , Inc During the refinance of the mortgage in the pay of statement pay a escrow refund {$230.00} dollars This included fore taxes and insurance mortgage. During XXXX SPS they dont pay taxes to the city of XXXXi between XX/XX/XXXX to XX/XX/XXXX. In XX/XX/XXXX I paid XXXX. 
They was collecting from my check account {$940.00} dollars automatically every months payment. That included a escrow of XXXX in XXXX. The first 5 month XXXX SPS take from my check account {$1500.00} dollars. I paid to the XXXX XXXX for XXXX {$3100.00}. I was paid my insurance too though the association during this years from XXXX. I had several with SPS paying XXXX dollars more less.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I have late 30 days late payment from American Honda financing on XX/XX/XXXX on XX/XX/XXXX. Do to covid -19 I ask for to delete this late payment on my credit bureau. I also send out good will letter to them and later i got the letter from them saying they can not delete this information. They are the one who told me if i use covid19 as reason they will consider this matter and delete this information. 

Account # XXXX Account Name : American Honda financial
Product: Debt collection

Midland Credit Management claims I owe {$1700.00}. They have reported the amount multiple times on my credit report which lowers my credit more than a single report. Furthermore, they claim on their website that I made a payment for {$5.00} on XX/XX/2021 towards the allegedly owed amount. I never made such payment and my checking account statements will reflect that. I don't understand why they would do that - perhaps to subvert the statue of limitation of the alleged debt. Of note : a previous lawsuit involving Midland Credit Management resulted in being settled in my favor.
Product: Debt collection

IC SYSTEM are attempting to collect {$250.00} debt from XXXX XXXX., which was paid, XX/XX/XXXX thru the debt collection agency XXXX ... After paying I received the confirmation # XXXX ... The derogatory mark was removed from my credit report until XX/XX/XXXX ... I've informed them of this and provided the same info ... I also disputed the claim and they refused to rectify the error. I haven't held any accounts with XXXX in years so there's no reason for this same mark to reappear after being paid.
Product: Credit reporting or other personal consumer reports

I Recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am trying to build my credit to buy a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of a charged-off account that appears on my credit report. The details of this account are as follows : Creditor : XXXX XXXX Account Number : XXXX Account Type : Revolving account ( Credit Card ) Bureau Code : Individual account Account Status : Closed Monthly Payment : {$0.00} Date Opened : XX/XX/year> Balance : {$8400.00} Under Section 611 of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that may be inaccurate, incomplete, or unverifiable. I am requesting that you conduct a thorough investigation of this account with XXXX XXXX  to verify its accuracy. If this account can not be fully verified with all required supporting documentation, please remove it from my credit report immediately.
Product: Bank account or service

I just received an alert from XXXX. It says I applied for a credit card form CBNA and listed this address. I DID NOT APPLY FOR A CREDIT CARD. This is an error or stolen identity.
Product: Checking or savings account

XXXX I called in to National Bank of Arizona ( subsidiary of Zions Bancorp . ) in regards to a notice dated XX/XX/year>, that we received in the mail regarding a fee change to our checking account ( see attached ). 
-Starting XX/XX/year>, the bank was going to start charging for a feature ( viewing check images ) that was originally free. I called on XX/XX/year> to unenroll the account from this feature, to ensure we were not charged this fee. 
-The customer service rep. set expectations that it may take up to two billing cycles for the feature to be turned off, in which I asked " would we still be charged the fee, even thought the account is unenrolled from the feature '' and she said YES. 
-I logically explained how that penalizes depositors who unenroll in a timely fashion, just because it takes the Bank 2 billing cycles to complete something.

-Escalated this to a manager, " XXXX XXXX '' who said well if you get billed a fee, call in and we can do a one-time courtesy reversal. I then inquired about other unenrolled clients, who still get charged a fee, don't see it, and don't call in for a reversal ... does the bank just keep the fee? 
-She could not give me answer about what they were going to do with the fee charged post unenrollment. I recommended she speaks with her compliance department so they can rectify the charging of the fee before it happens.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Experian is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I spoke with a woman XXXX at Vance and Huffman in regards to a debt owed on apparently 2 accounts. One of them XXXX could not give me any information into what this debt was only the name XXXX, I explained to XXXX I would like to dispute this charge because I have no idea what it is or who XXXX  is. The next payment I was told was from XXXX and I owed XXXX dollars from the now-closed XXXX. 
I explained to XXXX that I am out on a leave of XXXX and have only a little income but am willing to make some form of an arrangement, That was settled and I then get a call from family members the next day that XXXX from Vance and Huffman are looking for me.They have repeatedly called the family from my sister n law my son, daughter someone in my family who lives in Kentucky! It is harassing! I called to inform them to stop on XX/XX/XXXX and when I dialed the number XXXX it rang and a woman answered and never a mention of the company it was just hello like I was calling someone home.I am not sure if this is a scam but I gave my debit card number.The woman spoke to me rudely and sharp and I just don't get it.I am a XXXX worker who works on a XXXX XXXX and I am tired, stressed and worn out and I do not deserve this kind of treatment
Product: Credit card or prepaid card

On XX/XX/2021 the attorney handling the refinance of my home sent a check in the amount of {$7400.00} to my Barclay Credit Card ( XXXX XXXX ) to pay it off. 
I have proof that the check was cashed on XX/XX/2021. 
The payment has not been applied to my account. 
I have reached out to Barclay credit cards starting on XX/XX/2021 and have provided them with a copy of the cashed check and everything else they have asked. 
I have been checking in with them on a weekly basis and have not had any resolution. 

This was a large payment and I am extremely frustrated that after 5 weeks of trying to have this resolved- I am not any closer. 

Can you please help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act these Accounts listed below, 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 XXXX XXXX XXXX XXXX, North Carolina XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : .The following address is does not belong to me I have never stayed at the addresses listed below please delete them XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX OH XXXX I have attached my ID and utility bill to verify my current address CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, NC XXXX Also upon looking at my credit report I have noticed accounts that are not mines please delete them 1. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
2. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 
3. The following personal information is incorrect XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. The following account is not mine XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 
5. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
6. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
7. The following personal information is incorrect XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
8. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
9. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
10. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. The following account is not mine XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
12. The following account is not mine XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
The above accounts are not me and the are hindering me from obtaining new credit please remove within 30 days thank you
Product: Checking or savings account

I deposited a {$1000.00} check to my Citi bank account on XX/XX/XXXX due to selling my house. This was a cash offer check from the lender I used. When I deposited, it said my funds would be available. Later in the day, Citi blocked me from viewing my online account. I called multiple times to verify the check along with the maker of the check. He also verified by answering their questions and I was right with him in the same room as he answered while at his banking institution the funds came from. Citi keeps stating there is no record of a verification when I have called numerous times. Now over a month later, they sent me my remaining funds that were in the account ( XXXX ) on XX/XX/year>. I called on XX/XX/year> which is the date I got the check and they still state there is nothing they can do about my XXXX dollars until the maker calls, WHICH HE HAS. they wont bounce the check back to him either. Theyre holding my funds, wrongfully closed my bank account, and not giving a care in the world to fix the matter at hand. Someone please help me gain my funds. I sold my house and have nothing to show for it. I needed the funds to move and its been a hassle since.
Product: Credit reporting, credit repair services, or other personal consumer reports

rerpoting incorrect information 15 U.S.C 1681 SECTION 604 A SECTION 2 FAIR REPORTING ACT XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX I do not recognize these inquiries on my credit report and did not authorize them to my knowledge. I have reached out to companies regarding these inquiries and have not received any responses on multiple dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no financial obligation to the accounts/companies. I requested a description of the procedure used to determine the accuracy and completeness of the information reported but credit bureaus only provided a computer generated print out which is unacceptable by the FTC.. An itemized printout does not represent verification..Remove the accounts asap.. XXXX XXXX XXXX ( Original Creditor : 10 XXXX ) XXXX, XXXX XXXX ( Original Creditor : 07 XXXX UNIVERSITY TUITION 2 ) XXXX
Product: Credit reporting or other personal consumer reports

Please know the information on my credit report is not correct. I've listed addresses, employers and inquiries that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately.
Product: Credit card or prepaid card

I just had a terrible experience with Capital One regarding my XXXXXXXX XXXX card. Fortunately I record all calls as I am told Capital One do as well. I wasted 46 minutes on the phone only to be disconnected as the third agent I was speaking with was troubleshooting with me and filing a report so someone could get back to me. OF COURSE NOBODY IS CALLING ME BACK. 

I am supposed to have a credit on my account for {$270.00} from XXXX XXXX ''. IT DOES NOT SHOW ANYWHERE and I attempted to call up " customer service '' to rectify this issue. 

It does not show anywhere online, on my XXXX. Just in your mobile app that I happened to download. 

This is not going to work. I need to be able to have confidence that capital. one can display credits, charges, correctly etc. It's basic. 

How can I have confidence in capital one 's ability to charge me correctly if they can't display charges/credits online? 

Please advise. 

XXXX XXXX XXXX XXXX XXXX