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

On XXXX XXXX I requested an investigation on Acct # XXXX XXXX XXXX XXXX for {$370.00} to send me verification and validation that this account belongs to me but they did not the proper documents I requested. Only responded after 30 days on XX/XX/year> saying its been verified and updated. My consumer rights has been violated and I demand this account be deleted. Pretaining to 15 USC 1681 7i and FCRA SECTION 623 ( A ) ( 2 ).
Product: Credit reporting or other personal consumer reports

I'm disappointed by your claims & am rejecting on the basis that you lack any material fact to support your claim... Please DISPUTE THESE ACCOUNTS! Or I will be seeking a legal remedy from you. Frustration, distress, annoyance, and outright anger. These emotions stem from the painstakingly slow response and the repeated denial of my identity theft claim by your bureau. Let 's be clear ; this situation is nothing short of a nightmare. I've been grappling with unauthorized accounts and transactions, and the toll it has taken on my financial well-being and peace of mind is immeasurable. The emotional rollercoaster I've endured is beyond distressing. I expect a written acknowledgment of this dispute letter and a clear commitment to investigate my identity theft claim promptly. XXXXXXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXXXXXX. Please delete these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX to XX/XX/XXXX, my Equifax credit score went from XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX. 
I went to my Equifax.com because I was concerned why as I make all my payments XXXX percent on time. On their application website, under the alerts. Its stated that I had a bankruptcy on my record. I have not filed for a bankruptcy nor do I intend to file for a bankruptcy. However, there are 4 joint accounts I share with my husband who no longer lives with me and has not lived with me since XXXX. I have a protection order in place and he has filed for a XXXX  XXXX bankruptcy. But, has stated in the papers that he intended to continue making those payments. However, I am making those payments every month. And I make them on time. When I called Equifax to inquire as to why they stated I have a bankruptcy, even though I went and looked to see under Public Records, there isnt one. And, furthermore, none of these creditors has the legal right to make that claim against me as I have not filed for bankruptcy and theyre still getting the monthly payments each and every month. That is illegal. Equifax and the Creditors in question had no right to make a remark on my credit report stating a bankruptcy on me when I am not nor have not filed or have been part of filing for a bankruptcy.
Product: Credit reporting or other personal consumer reports

Experian continues to violate my rights and report incorrect information, the information has been removed by the other credit bureaus with no issue, because they know the information is inaccurate, this is why EXPERIAN has a class action lawsuit against them, because they think they can do whatever they want.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not removed 19 " negative '' credit designations that were connected to XXXX. The issue with XXXX was resolved and all accounts show as paid for student loans. I am now paying and in good standing with the XXXX XXXX XXXX with respect to all student loans, but I was advised they would remove any negative impact on my credit report. And yet these 19 separate " negative '' designations remain in my credit report despite being told that being in good standing with the XXXX XXXX XXXX would fix any issues with my credit. I request these negative designations from XXXX in Experian be removed. Thank you.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I submitted my dispute to TransUnion regarding several false and inaccurate claims on my credit report I asked them to conduct an investigation into the matter and they said they would however they now say my disputes are completed and didnt send me any documents relating to there investigation no purchase agreement no contract or proof that I have any dealings with them or contracts I signed nothing not one thing with my signature stating I owe them and they didnt remove the information from my personal info, emails, addresses, name spellings, jobs, numbers and they didnt not remove or prove any of those inquiries that are not directly linked to an open account are mine no documents and they didnt upgrade my late payments to PAANL status and TransUnion didnt remove the negative accounts I disputed and would not properly investigate my claims
Product: Debt collection

I did not go to the XXXX this bill is not mine. they company has failed to send any signed agreement by me to pay for any services.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent account on my credit. Please remore these accounts from my report, they are hurting my ability to obtain credit. This is a violation of 15 U.S code 168i ( 5 ) removal of inaccurate invalidated credit information. XXXXXXXX XXXX  - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I made a regular monthly payment in the amount of {$950.00} by check to XXXX XXXX in XXXX, Georgia for my XXXX mortgage payment. The payment was made on the due date of XX/XX/2021 and well before the late payment date of XX/XX/2021. 

On XX/XX/2021, I was reviewing my credit reports from XXXX, XXXX, and Equifax when I discovered that the mortgage account had been reported as having a 30 day late payment for the month of XXXX. I immediately called XXXX XXXX  and they told me that they were showing all my payments had been made on time and were current, and that someone from credit reporting would call me back that day. I got a call back but was told that I would need to email a copy of my credit report to XXXX XXXX to get the issue resolved. I emailed a copy and detailed what was happening. I also left a voicemail, which was not returned. 

After receiving no response from Ms. XXXX, I called her again, and again received no response. Customer service attempted to transfer me to XXXX XXXX, and I again was just transferred to voicemail. I have a receipt that shows the payment made on XX/XX/XXXX as well as an image of the cancelled check I used to pay. I need this late payment removed from my credit report and it seems that no one at the bank is responding. 

I have attached copies of my Equifax credit report and cancelled check used to make the XXXX payment.
Product: Credit card

Made a payment of XXXX on XXXX to Bank of America, then immediately deleted it and processed a payment for XXXX. The system took the deletion and only showed XXXX payment for XXXX. I checked my account and both payments went through, I called spoke to agent XXXX oper ID XXXX and manager XXXX XXXX ID XXXX on XXXX, explained what had happened. They refused to refund me my XXXX as they stated it would put me over my limit. I informed them why did n't they just decline the charge that was accidently put on by my son while on his honeymoon. He give them the Bk of America card but meant to use a different card. They approved the charge, but wont give me my money back for the payment of XXXX that was supposed to be deleted by their system.I told them I do not have the funds in my checking acct and need it for my husbands upcoming XXXX as he has XXXX. His XXXX is scheduled for XXXX and I can send documentation. I need my XXXX back and it was their system fault not mine that it did not delete the payment, but instead processed both the XXXX & XXXX. Like I said their system indicated that it was canceled. This happened to me last month when I made a on line payment of XXXX & received a confirmation # .I followed up on that payment & called when I saw that it did not post. The agent advised that they had system issues that day & I would need to resubmit my payment. I told her I had a confirmation # but she said that does n't help. So I made another payment for XXXX as I did not want my account to reflect that I did not make my payment. Lo & behold both payments were processed. I called again to no avail ... So that 's twice their payment system has messed up and hurt me financially.. Please help me get my money back, I 'm desperate and broke & will start getting return payments in my checking account. 
Thank you!
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX I started to file bankruptcy. Before I finalize the discharge I talked with a bank manager at my branch about my personal credit line over draft of XXXX attached to my checking acct, I was told that anything or over draft that at the time was not going to have any effect with filing BK and will remain open as I continue paying my monthly payment I will have access the use of this acct. So my BK was discharged XX/XX/XXXX. I was notified by letter two years later XX/XX/XXXX after BK Chapter XXXX discharged that they noticed I filed BK Chapter XXXX and they were closing the use of my overdraft personal credit line protection due to BK filing discharged if knew that they were going to close my acct anyways I would have continue making payment to it for the next two years after bankruptcy never late and always making a payment, at the time so since I was told one thing by bank manager in XXXX XXXX XXXX XXXX handling my acct and two years after discharge a totally different scenerio With letters attached. Im not going to pay off and should be not a open negative acct since I could have added to my BK. This is not fair and I want to be compensated for bad open neg acct by how it is reported taken off My credit report and discharge on my BK or just forgive debt, or reopen acct for use and I will pay it off if they reopen it these are the options and as fair consumer finance operation and integrity of Rabobank and our Government It should be resolved, without it stressing me out or my credit report. Thank you and I wait your response XXXX XXXX
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX NA XX/XX/year> 2023
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Conserve, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

I opened a home equity line of credit in XXXX. I charged {$880.00} against the account in XXXX of that year and paid off the balance of {$880.00} within 21 days. Today I discovered that KeyBank charged the account {$2.00} interest on the loan, in XXXX XXXX, but never notified me of the interest charge. There were no statements, no hits on my credit report and no notifications in my email. They attached a lien on my home for the {$2.00} and never notified me of this additional development. I went to close the open account on XXXX/XXXX/XXXX, just to find out that I owed an additional {$28.00} for the lien charge. There were no past due statements, emails, phone calls, explanations, apologies, or responsibility owned by the bank. The bank manager was condescending when I asked for some manner of recourse or requirement to refute the bill.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not sure how this works but I have defiantly got some bad infomation on my credit report. I do not recall having any of the following account on my credit report. I have never even heard of these companies : XXXX  XXXX  # XXXX XXXX  XXXX XXXX # XXXX**** XXXX XXXX XXXX # XXXX**** XXXX  XXXX # XXXX XXXX   XXXX # XXXX XXXX XXXX XXXX XXXX XXXX I would like to request that they send me a full account/application etc so I can go over theses accounts and get to the bottom of this.
Product: Credit card or prepaid card

On Wednesday, XX/XX/XXXX, I logged into my Chase card app and elected to pay the minimum due on both of my cards, which was {$40.00}. That payment was processed the same day and posted by Friday, the XXXX. Payment was due on the XXXX. 
On Monday the XXXX a random payment of {$170.00} was taken out of my checking account and applied towards my Southwest CC with Chase. This payment was never authorized and made after the minimum due was already processed. The company is trying to say that because I was enrolled in autopsy, I have no say in this transaction but I still have proof I paid before the due date and that it was posted. 
I will note that the {$170.00} amount is completely random, was not even related to my remaining balance on the card, and that NO additional payments were made on my second card with Chase, even though both cards have the same due date, indicating to me that a human must have pushed that payment through. 
There was also a payment in XXXX of ~ {$560.00}, which I didn't authorize but was willing to accept as a typo on my part since I had gone in to raise my minimum due to {$50.00} in light of the Fed interest rate hike... But now that payment seems suspicious under the current circumstances.
Product: Mortgage

My two mortgages were sold to Sun Trust in XX/XX/2021, I was not aware of this re-sale of my mortgage until XX/XX/2021, so I made payments right away after I realized my mortgages was sold to the new lender, Suntrust. I filed a dispute through Suntrust a few weeks ago, my dispute was denied and when I called the dispute center and Suntrust told me they called me and left a message for the sales of my mortgages. But I checked my phone logs and voice messages and it turned out I have never received a call or any voice message from Sun Trust. So I filed a complain about Suntrust and questioned if Suntrust made its best due-diligence to inform me that my loans have been transferred and I had a few missing payments. today I received the response from Sun trust. I will attach the letter here. I have a question about the Sun trust 's response. The company knew that my two loans were newly transferred to them and I have never made any payment since the transferring. The apparent reason is that the borrower might not have received the notification and not aware of the changes. Should Sun Trust make sure to let me know or make sure that I am aware of the transferring? On the letter they said they have made a few attempts to call me but unsuccessfully in reaching me. This is ridiculous! First they told me my late payments wont be reported on my report, and then told me Sun Trust called me and left a voice message to inform my missing payments, and now they told me They have made a few attempts to call me but unsuccessfully in reaching me. I have my mobile phone call logs from XX/XX/2021 to XX/XX/2021 attached here. No one from sun trust even called me for any reason. If sun trust called me please show me which number you attempted to call and when you made the calls. Please provide your proof that you have made the attempts to call me and leave me the voice message..
Product: Debt collection

I have ordered a bedroom set from XXXX XXXX in 2016. The one I wanted only came in king I was told I had to wait for queen to be delivered.i was told it would come in 3 weeks. I signed the papers and made my first 2 payments. 3 weeks rolled around no bed. I was told it was on back order. 6 weeks later the furniture store closed down and I never got my bedroom set I called them and told them several times they only care about collecting thier money not that I was scammed. This can be verified the location was XXXX XXXX mall.
Product: Student loan

I am very concerned with how my payments have been applied to my student loan account with navient. I have paid over XXXX back on a balance of XXXX and still have a balance of XXXX. I also have concerns about excessive charges for loan servicing as well. Please help.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

On XXXX XX/XX/2022, I sent PHH Mortgage notice of error in the payment of property taxes for my home. Follow-up emails were sent regarding this nonpayment in XXXX, XXXX, and XXXX. Last week, I received notice from the XXXX XXXX government that these taxes remain unpaid. To date 50 business days have now passed since PHH Mortgage received the initial notice of error. At the end of XXXX, I sent them written notice to immediately make full payment including any late fees or penalties and send me proof of payment. Their response was the same I received with every contact - I would hear something in five business days, which to date I never have. Yesterday, I informed them that if this was not dealt with the same day, I would file a complaint with the Consumer Financial Protection Bureau. I feel that they have not fulfilled their obligation to correct their error within 30 days. I am seeking your help to compel them to immediately make their payments.
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I recieved a 1099-C ( Cancellation of Debt ) for the following charged off account listed below. After checking my most current report on XXXX and XXXX the updated information stated this account was still being reported. The account can not be reported as a charge off on my credit report. PLEASE CEASE THE REPORTING AND DELETE THIS BARCLAY ACCTS # XXXX BOTH ACCTS ARE STILL BEING REPORTED i'M ATTACHING 1099C AND XXXX AND XXXX REPORTING I'm attaching a letter from Portfolio Recovery where I paid them a settlement to delete this account off my credit report on XX/XX/23.
Product: Debt collection

Nationwide Recovery Systems is reporting on my credit bureau a balance due for their client XXXX XXXX XXXX XXXX of {$430.00} for a service rendered date of XXXX. I had insurance during that ER visit, confirmed with the insurance company that the hospital filed a claim. It appears that this collection agency 's client did not submit a claim. My insurance representative spoke with the collection agency and asked for them to provide proof of claim filing and they would be able to rebill. The collection agency was not cooperative as they stated their client did not have insurance info provided to them by the hospital. The collection agency needs to contact their client to provide proof of claim and remove this debt from my credit files until their client processes their claim properly. I will fully insured and am not in a position to pay out of pocket an additional {$430.00} due to a providers billing error.
Product: Credit card or prepaid card

So I had over XXXX XXXX dollars in unauthorized transactions I told netspend my documents and things got stolen out my car it had my pin and account and everything on there copies of my i.d . my w2s. I didnt know my things were stolen because I haven't drove that car for a while because didnt have insurance and registration been expired n it's not my family car. So netspend ended up cancelling my dispute because no error witch is XXXX because these transactions happend in Arizona and XXXX XXXX I live in XXXX Utah and was at work during these times it happened. XX/XX/XXXX Arizona $ XXXX {$34.00} ] XX/XX/XXXX XXXX {$200.00} {$2.00} {$200.00} {$2.00} {$200.00} {$2.00} {$0.00} {$0.00} {$0.00} {$2.00} {$100.00} $ XX/XX/XXXX XXXX Now XXXX XXXX XX/XX/XXXX {$520.00} {$310.00} {$2.00} {$300.00} {$2.00} {$300.00} {$2.00} {$300.00} {$42.00} ] XX/XX/XXXX {$300.00} {$2.00} ] XX/XX/XXXX {$81.00} Also there is a bunch of fees with most these transactions like XXXX mostly all the fees are In XXXX and it doesnt show when I login the app after I tried disputing them it only shows if I download my statement witch i be happy to do and send you guys. Netspend will not help me what so ever n all these where unauthorized transactions and they said no error. Its upsetting and XXXX especially when I have been a loyal customer and had lots of money go in this account n never had a problem but when my credentials and things got stolen I called n told them right away n they didnt care at all.