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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York, New York XXXX : XX/XX/XXXX SSN : XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I reviewed my credit report on XX/XX/XXXX and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, VT XXXX XX/XX/XXXX 4. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX 6. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX I demand that these things be investigated and removed from my report in accordance with the provisions of the Fair Credit Reporting Act. It's my understanding that you'll double-check these items with the creditor who uploaded them. Please eliminate any information that can not be verified by the creditor. I realize that you must finish this reinvestigation within 30 days of receiving this letter under 15 U.S.C. Sec. 1681i ( a ).

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX and XXXX XXXX has a fixed rate mortgage loan with United Wholesale Mortgage ( UWM ). Our mortgage payment was {$10000.00} since inception. In XXXX of this year, UWM sent me an email that they were completing an escrow analysis as the loan payment includes property taxes and homeowners insurance. The results of the analysis was that due to my homeowners insurance increasing, my loan payment was going up to {$10000.00}. The homeowners insurance changed from an annual fee of {$1000.00} to {$3100.00}. This {$2000.00} increase amortized over twelve months should have resulted in a payment increase of {$170.00}. UMW increased my loan payment by {$660.00} to {$10000.00}. Since XXXX of this year, I have reached out to UWM five times in an attempt to correct this error. I've asked for another escrow analysis after I confirmed that my property taxes did not change. UWM has not responded. I have asked to take my homeowners insurance out of escrow so that I could pay it myself and they responded that due to the terms on the loan, i could not pay my own insurance. The dates that I reached out to them are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I would like my loan payment reduced to {$10000.00} or be allowed to take my homeowners insurance out of escrow and pay it myself and keep the payment at XXXX.
Product: Credit card or prepaid card

XXXX charged a regular monthly charge of {$8.00} on my credit card. I had never had any communication with XXXX and never authorized any payment to them. I believe the payment was charged due to my wife 's card expiring ( she had an account with XXXX ). However, I view with great surprise that XXXX will allow a husband 's account to be debited where a wife is not paying, especially with a digital good where the most sensible resolution is simply to stop the subscription. I already spoke with XXXX ( customer service ) and XXXX ( Fraud dept ) but they did not offer a satisfactory resolution and could not explain how this had happened.
Product: Debt collection

Upon checking out credit reports, my husband and I found a joint collection debt saying it is on behalf of an apartment complex we lived in. The collection agency has never contacted us in any format and neither had the apartment complex. We never received our security deposit back, but never was called or mailed a bill ... or contacted by the collections company ... who appear to have added more than {$100.00} in fees to the supposed debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

US Bankruptcy Court Georgia XXXX ... XXXX... I have previously disputed U.S. Bankruptcy Georgia XXXX XXXX XX/XX/2016 ... with the credit bureaus and in response you verified the item as accurate stating that they have verified the information with the Court. I contacted the Court and their responseis enclosed. It is clear they do not report to the credit bureaus for that matter ; therefore the credit bureaus original response verifying the item with the Court was either an error or a lie. Either way the reporting requirements do not comply with FCRA and the information must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have various accounts on my credit file that are reporting erroneously. I had a few collections included in my Bankruptcy that was discharged on XX/XX/20 and they are still currently updating. This is a violation of the bankruptcy stay and these accounts need to be removed from my credit file as they have affected my credit scores and continue to effect my credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

After viewing my most recent credit report, I noticed unauthorized inquiries. I have never give consent for these company to pull my credit report :
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX # XXXX is reporting an account with a balance to my credit that should not be on there. I settled this account a while back and it says it is settled on my credit report, but it is still reporting a balance. It should not have a balance on it and I need this account removed.
Product: Credit reporting or other personal consumer reports

There are two satisfied accounts from XXXX XXXX on my credit report that I have been requesting for removal for over 90 days. The company only has a fax number in which I have faxed several requests, and the XXXX XXXX has failed to respond. 

XXXX XXXX has poor communication and most of their agents provide incorrect information whenever someone is available to answer calls after several attempts to contact them.
Product: Money transfer, virtual currency, or money service

Was supposed to receive my direct deposit but never received it, with little to no explanation
Product: Checking or savings account

In late XXXX - early XXXX, I authorized automatic payments to XXXX XXXXXXXX XXXX chase credit card among other credit lines. In XXXX, I notified XXXX XXXX she was no longer authorized on this account. After I notified XXXX XXXX, I called Chase Bank and cancelled/ closed all automatic payments being made on her behalf. There were multiple reversals completed by Chase Bank. This was an ongoing issue for a couple months. I notified Chase Bank on multiple occasions to file fraud charges, and dispute multiple charges. These charges were reversed and credited to my account. I again contacted Chase to try and find resolve for this recurring issue. Chase advised me of XXXX options : XXXX close existing checking account and open a new one. XXXX. Contact customer service and issue a stop payment order ( which I would have to pay a fee to do ). I opted for option XXXX, I closed the existing account and open new one. After this occured, I noticed some automatic payments going to chase credit card. When I called and asked I was told that it was going to my chase credit card. After a while and kept questioning it, I compared the automatic withdraw ( auto pay / ACH ) with my payments to credit card and found a discrepancy. I called and asked what account this was being sent to, during multiple times of calling to inquire, before I was able to get the name ( had to be switched between multiple departments ), the call would go idle, or get dropped. Each time trying to contact took approximately XXXX minutes, then the call would end, go quiet, not have anyone on the other line and not in the queue. I was finally able to find out who the payments were being sent to, which i then tried to escalate the issue multiple times and show this person was found to be fraudulent. My many attempts did absolutely nothing. Still to this day ( XXXX years ) there are still payments being made to an unauthorized account and Chase says there is nothing they can do about it.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXXXXXX XXXX  Account Number : XXXX Inquiries : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/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 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: Credit reporting or other personal consumer reports

I am writing to delete the following information from my file. The item I need deleted is listed below. I am a victim of identity theft and did not make the charge. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed a copy of the FTC 's Identity theft affidavit. Please delete the item as soon as possible. 
Gramm-leach- Bliley Act : 15 USC 6801, Negative accounts : 15 USC 1681 Account Verified : 15 USC 1681i XXXX XXXX : Inquiry Date XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am writing to update/correct my personal information on file with your company. 

Please update my address : XXXX XXXX XXXX Please update my name : XXXX XXXX My only social security number is XXXX My only correct date of birth is : XX/XX/1967 My only employer : State of Michigan I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and checked that I had an inaccurate account that needed a positive and quick response. There is a discrepancy on my credit report and the balance on the account is inaccurate and incomplete. I am consumer by law and my information was misused. I listed below the item with discrepancy that indicates the company name, balance and date of last reported : XXXX/ {$8700.00} / XX/XX/2022
Product: Checking or savings account

I've been waiting for atleast a month for my check that was sent to novo bank and they haven't told me the status or how much longer it can take, Novo bank has already said if any type of money was deposited into the account or was waiting to be accepted in the bank account it would be sent back or a check will be sent in the mail at the owners address on file, I've tried responding in different ways but they jsut send the same message over and over again and not tell me a status of when the check will arrive, they've also closed my account out of nowhere and didn't tell me why.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion removed two of my credit accounts that were not advised to. I tried to call and get a resolution, all three persons lied to the reason why. One person was a supervisor. they only provided their first name. non would provide ther employee id for verification. I had the company on my phone to ask about the issue. They have not received calls back from their contact at Transunion, nor will anyone give accurate information. bot my credit accounts with XXXX XXXX and  XXXX finance are up to date and are open accounts. both have been reporting to Transunion and XXXX  for a year. There is no issue with XXXX, so im not sure why they removed these positive accounts from my credit report. When i asked them to let me speak to another dept or someone higher up, they said there is no one else but customer svc and marketing. which i know is an untrue statement. Transunion refuses to fix the issue. They removed any account from jewelers, new coast direct, and ncd. they are all legitimate companies for credit building. I'm in the process of buying a home and one account was removed XX/XX/21 the other XX/XX/21. The vendors are doing an investigation, but Transunion is refusing to provide any information. Can you help us?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, KEYBRIDGE MEDICAL REVENU added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, Keybridge Medical Revenu has violated my rights as a consumer multiple times and I'm requesting legal action to remove this account immediately!
Product: Debt collection

The Co. we are making the complaint against is : Resurgant Capital Services L.P. Sherman Acqusition, L.P. regarding an old XXXX Credit card from XXXX. There were 3 judgments made : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX first for {$4800.00} then jumped to {$9700.00} don't really understand how they could even try to collect {$4000.00} let alone XXXX the credit card itself was only a couple hundred dollars. 
I bought my home XX/XX/XXXX didn't even know about this Company or that the credit card still existed until they garnished wages after the 3rd judgment was made in XXXX, they also attached a lien on my home, we filed Bankruptcy XX/XX/XXXX. Bankruptcy was discharged XX/XX/XXXX so debt is NOT owed but they never released the lien. We have been trying to get a hold of Resurgant Capital Services L.P. for the last 45 days first phone call was XX/XX/XXXX told us to call back within 5-7 business days, called back XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, at least once a week since then, last phone call made to them was today XX/XX/XXXX, We have even asked to talk to a Supervisor. Every time we call they tell us it is under review, call back on a certain day ... We just want paperwork with release of all judgments and lien and they keep telling us the same thing, it's under review. They have our paperwork / file right there what else do they need to review?!
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. | experian consumer reporting violation under 12CFR 1026.13, 15USC1681s, EXPERIAN has reposted closed accounts over multiple month against FCRA consumer reporting guidelines, experian has been continuing to report accounts that were they never authorized under regZ of TILA and more. PLEASE SEE ATTACHED.
Product: Credit reporting, credit repair services, or other personal consumer reports

ExperianXXXX XXXX XXXX 

I have written to all of them severally and also made uncounted amount of phones calls to the above companies, but they have delayed the removal of several derogatory information on my credit report till date.

My personal details was compromised and used for fraudulent purpose, and i reported the fraud alert when I returned from XXXX XXXX  for my country 7-8years ago.

The FCRA Law, stated clearly what is expected of the credit agencies after 2 years, and still they have not deleted and remove all the fraudulent addresses/credit card/loans/student finance details reported on my profile.

Its over 6years now, and they still left the negative information on my credit file and it has affected my life and my family. I have just recently reported a fraud alert again.Please HELP
Product: Vehicle loan or lease

I recently traded in my XXXX XXXX for {$10000.00}, and financed for a {$25000.00} XXXX XXXX XXXX. The finance manager financed for {$22000.00} and added unauthorized GAP and protection package. The lender stated that on their end it looks like I did not put down a deposit for the car at all. I called the finance manager almost daily and left messages requesting the added packages be cancelled, and to discuss why the loan amount was so high. He never returned my calls until I threatened legal action via small claims. He finally sent the cancellation paperwork for me to sign, but never sent any follow up or confirmation. He refused to discuss the loan amount and laughed when I said I have rights. He spoke to me in a very patronizing way while attempting to further manipulate me into a deal I did not want. While handling my paperwork he " disclosed '' that his mother passed away the week before. This is a tactic used to distract and manipulate. He also asked me to meet up for coffee the next day to " finish up paperwork ''. When I finally got in touch with him, after over a month of attempts, he stated that he had been on vacation because of his mothers death. Excuses and manipulation to avoid accountability and responsibility. 

The XXXX was also sold to me with a bad battery that I had to replace out of pocket a month to the day I bought the XXXX. The battery was over 5 years old and the dealership just changed the sticker on it. The dealership put in writing that they would refund the cost and have yet to do so. When I call, the sales team members refuse to transfer me to the manager and they are often very aggressive and rude.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theft all of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$9000.00} ; XXXX  XXXX XXXXXXXX XXXX XXXX : {$6500.00} ; XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXX/XX/2023.
Product: Credit reporting or other personal consumer reports

On XXXX of XXXX my credit card POLICE AND FIRE FEDERAL CREDIT UNION Is showing a late payment when the account was never paid late. Please fix and update account Police and fire federal credit union - account number XXXX
Product: Credit card or prepaid card

In XXXX I received a XX/XX/XXXX notification that my credit score dropped over 100 pts. 
I discovered that a credit card with XX/XX/XXXXCitibank was opened fraudulently. I called the company in XXXX after placing disputes through XX/XX/XXXX. 
Citibank told me they sent my account to fraud. The account was closed a couple months later, after my score dropped even lower. 
Today XX/XX/2020, I called citibank again because my credit score is still in the low XXXX, when it was previously high XXXX. The agent today told me that my account was never sent to fraud, and that it was only closed. I asked for him to send my account to fraud. 
I calledXX/XX/XXXXand they advised me to send the fraud report to FTC so that I can receive a letter to send to them to further investigate the fraud.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and 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: Mortgage

We have a fixed mortgage on our home - we have always paid out mortgage on time and always online via the web portal of the financial institution that services the loan ( previously XXXX ). Recently our mortgage was transferred to another financial institution and the servicing of the mortgage was transferred to CENTRAL MORTGAGE COMPANY. 

We received details in the mail from CENTRAL MORTGAGE COMPANY how and where to make our new monthly payment. We followed directions on their website WWW.CENTRALMORTGAGEONLINE.COM as to how to make the monthly payment. We set up our account but they want us to pay {$5.00} per month as an additional charge for the 'convenience ' of making the payment online. Principal + Interest + their $ 5 monthly fee. 

In the past 16 years since we have been paying our ( various ) mortgages with different banks and servicing companies - we have never had today more than the agreed amount of the monthly mortgage payment. This is a bogus and erroneous charge and with add {$60.00} per annum to our payments and {$900.00} over the lifetime of the remaining balance on the loan. 

I called CENTRAL MORTGAGE COMPANY direct to see if there was a way to resolve this and they advised it was their policy for internet / online payments. 

This is price gouging - we have never been charged a fee previously by our original lender or their servicing company. 

Can you please investigate this as CENTRAL MORTGAGE COMPANY is unwilling to waive this charge. 

Thank you.
Product: Debt collection

I thought a charity that a had relationship with the hospital paid the remaining balance