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

I filed a complaint about this already ; however, the information is on all 3 credit reports. On XX/XX/XXXX I looked at my credit report from XXXX XXXX it showed a payday loan from Midwest Recovery Systems.
I do not recall ever taking out a payday loan from them or the XXXX the alleged original creditor.
I called all the numbers for Midwest Recovery Systems found on the internet and provided on the credit report, none are good working numbers.
I have never received a collection agency call or letter, a validation letter, a chain of title showing this collection agency owns this debt, nor a balance, it is fraudulent.
On XX/XX/XXXX I found that all 3 major credit reports show this debt.
Midwest violated the Federal Debt Protection Act by reporting a debt without sending me notice and verifying that in fact it is mine and the balance is correct and the statute of limitations has not run. This collection agency is operating in the shadows and does not seem to really want to resolve debt nor operate within the law. The company should be fined and this debt taken off all credit reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a Victim Of identity Theft, someone is using my Personal Information without my Authorization they got in to my Banks accounts and open credit cards using my Name I filed a report to protect me from this situation so this matter will be Resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

Formerly, I made an investigation regarding some items with inaccurate information and after checking my report I recognized that some items are still incorrect, with a confirmed status. Please correct the following items : XXXX XXXX Balance : {$17000.00}, XXXX XXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention an issue regarding the late payments that appear on my credit report. After reviewing my credit report, I have identified several instances of late payments that I believe are inaccurate. 
I understand the importance of maintaining accurate and up-to-date credit information, and I am committed to ensuring the correctness of my credit history. I kindly request your assistance in investigating and correcting these discrepancies as soon as possible. 
XXXX XXXX XXXX and XXXX XXXX I believe that these inaccuracies are impacting my credit score negatively, and I would like to request the removal or correction of the late payment information associated with the mentioned accounts. I have attached supporting documents, including payment receipts and statements, to substantiate my claim. 
Please provide me with written confirmation once the investigation is complete and the necessary corrections have been made to my credit report. I also request that you send an updated copy of my credit report reflecting the corrections to the address listed above.
Product: Credit card or prepaid card

On XX/XX/XXXX I went to XXXX XXXX and tried to use my card only to be told to call card services. When I called I was transferred to two different people before I was read a letter describing how Commenity Bank illegally ran my credit report and decided to decrease my limit after I had been a loyal customer since XX/XX/2018. I did not authorize the credit check. This is one of two Comenity Bank accounts that I have, both of which I have issues with. I have other cards and I have never had these problems arise.
Product: Checking or savings account

In 2022 I was getting charged for a year for XXXX XXXX XXXX which is bankrupt and now called Health Care Finance LLC. Health Care Finance LLC is still charging my card {$88.00} for treatment every month that is not being sent to me anymore. I have tried to dispute and put my account on hold and I've been told a multitude of different things. I just want to put a stop to these XXXX charges I still have left, for no apparent reason. If a company is bankrupt can they keep charging you? Please investigate. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This are all fraud inquiries I have not given any of these creditors permission to pull or access my credit under FCRA by these being fraud and the creditors reporting them they need to be removed immediately : I am reaching out for assistance for removing of inquiries that were not authorized by me. I did not apply for credit nor give anyone permission to apply for credit using my personal information for Equifax, XXXX and XXXX XXXX. I am requesting each of the credit reporting agencies remove the below inquires immediately from my credit reporting due to FCRA if information is inaccurately reporting it needs to be removed. I am not reaching out to each creditor because they are not reporting the information Equifax, XXXX and XXXX XXXX is reporting the information and need to correct the information. 

XXXX : Equifax Mortgage Solution-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Equifax XXXX Equifax Mortgage 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 Equfiax mortgage XXXX XXXX
Product: Debt collection

I received a notice dated XX/XX/2020 from Halstead Financial Services stating that I owe XXXX/ XXXX  XXXX {$900.00}. I have never done business with either company. This account does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I send this complain to inform the TransUnion credit bureau that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 card or prepaid card

Capital One does not offer their credit card customers viable alternatives to contact them besides telephone. They are unable to assist with anything substantial on social media either and only offer " general '' customer service items via those platforms. It is very inconvenient for customers to have to call Capital One directly and go through their automated system to try and get a live person on the phone. Capital One should offer it's customers a chat option and secure email option to contact them after the customer is logged into their Capital One credit card account on their website. This is extremely frustrating they only offer 1 way of contact to answer questions or resolve any account items in this day and age. They have not had another viable contact method for credit cards for years now.
Product: Credit card or prepaid card

I have a loan with NAVY FCU. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and NAVY FCU with no successful resolution. XXXX and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/2018 ) and I was never 60 days late ( XX/XX/2018 )
Product: Credit reporting or other personal consumer reports

Please note this account is not mien and the company doesnt provide me any proof. i need this account deleted i am attaching all proof i have. MY address is XXXX XXXX  XXXX XXXX XXXX  XXXX  fl XXXX Account number name & # XXXX - XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of the XXXX and XXXX XXXX Breach and I decided to review my credit file and noticed that there are multiple inquires that i never authorized or companies that I gave permissible purpose to or was extending credit for so they have zero written or expressed consent to have pulled my credit report. I have already filed and FTC Identity Theft report which I have attached along with a copy of my ID and a billing statement. Please remove these inquiries as they are fraudulent and were not authorized by me. 

I noticed I left out XXXX inquiry from my dispute from XX/XX/XXXX : XXXXXXXX XXXX - XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I reported Wells Fargo Mortgage for adding extra fees to my mortgage for the last few years, and they refused to send me a retro payment of extra fees that shouldn't be on my account. I have an escrow of {$1900.00}, that should be sent to me as an overage for this year. All of my taxes for the year are paid, and there should be a refund sent. Wells Fargo has refused to change my account as open on my credit report, and refuses to report my on-time payments to the Credit Bureau XXXX Here is my last receipt of reporting them online : 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 This e-mail is to acknowledge our receipt of your correspondence on XX/XX/2021. 

Please be advised that the entity you are inquiring about is subject to supervisory oversight by the Consumer Financial Protection Bureau ( CFPB ) for certain consumer protection laws and regulations. Accordingly, we are forwarding your correspondence to that agency, at the address below, for appropriate attention. 

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Website : www.consumerfinance.gov Phone : XXXX Fax : XXXX TTY : XXXX We hope that this information is helpful to you. 

Sincerely, Federal Reserve XXXX XXXX XXXX Please do not respond to this message. If you need to contact us, please use the information listed below. 

Phone : ( XXXX ) XXXX | TTY : ( XXXX ) XXXX ( via a relay service ) | Fax : ( XXXX ) XXXX www.FederalReserveConsumerHelp.gov | Federal Reserve XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to Equifax, XXXX and XXXX requesting an investigation of the following inaccurate accounts reporting on my credit report XXXX days ago. The credit bureau claim that they completed a reasonable investigation with the furnisher of the accounts and verified XXXX XXXX that the accounts listed below are accurate. However, the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score Account numbers XXXX & XXXX financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Problem is BBVA Compass Bank explicitly told me it takes them two days to process a payment. ( the representative told me this ) so if the due date is XX/XX/XXXX, and my banks online payment check arrives on the XX/XX/XXXX, the two days of processing incurs a late fee even though the payment arrived on time, the XX/XX/XXXX. In order to avoid the late fee, they claim I need to have the payment arrive two days BEFORE the due date. 

Most recent example was this : My bank 's online check ARRIVAL date was set two days prior to BBVA Compass Bank 's due date of XX/XX/XXXX. So the check arrived on XX/XX/2018 which is a Friday. The payment finally posted to my BBVA Compass Bank account on XX/XX/XXXX. XX/XX/XXXX is a Saturday, the XX/XX/XXXX is a holiday the XX/XX/XXXX is working day and they post the XX/XX/XXXX. {$37.00} late fee is charged. 

This is the fourth time I have called BBVA Compass Bank on this problem. They can not have a certain due date, then claim it takes two days to process and charge a late fee. They need to have the late triggered two days AFTER the due date if they want to process for two days. 
I called BBVA Compass Bank and they reversed the fee but charged a minimum {$1.00} in interest fees
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion has reporting a negative item on my credit for the last few months, and i have tried to work with them concerning ( XXXX XXXX XXXX ), the account should be open and they has it reporting closed. i still have the automobile and are paying notes on my car that i purchase in XX/XX/2017.Please help me in resolving this matter
Product: Credit reporting or other personal consumer reports

I need to obtain validity of the debt and documentation proving such.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft I have tried several times to provide police reports, affidavits, ftc reports, dispute letters, court documents and everything I have been asked to provide. 
Still these accounts remain on my report
Product: Debt collection

They 've called a few times to explain my options for repaying student loans within the same week. I 've explained my work schedule and that I 'm in the habit of doing research on companies I 've never dealt with before paying them any sum. Agreed to call them back Wednesday afternoon ( after work ). The follow up was to contact me at work to further push the issue while I was at work on Wednesday.
Product: Mortgage

Truist has changed the amount due multiple times without notifying me prior to the due date. They have also charged me for fees that they havent notified me they would charge me for and can not explain what the fees are when I call about them. Not a single department knows what the fees are. I spend hours every month trying to find out what the fees are and have them removed. Each time Im told the fees will be removed but yet the fees show up the next month. Ive never been in default nor have I missed a payment.
Product: Credit reporting or other personal consumer reports

Over the past year, I've filed disputes for incorrect information on my credit report. I received emails and letters from the credit bureaus stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate. 

TU : XXXX XXXX | XX/XX/year> : Account number : XXXX, I never authorized these inquiries. 30 days should be enough time to investigate and delete. 

XXXX  XXXX : Account number : XXXX, I dont remember having a charge-off. 30 days should be enough time to investigate and delete. 

XXXX  XXXX : Account number : XXXX, I dont remember having a charge-off. 30 days should be enough time to investigate and delete. 

XXXX XXXX XXXX : Account number : XXXX, I dont remember having a charge-off. 30 days should be enough time to investigate and delete. 

XXXX : XXXX XXXX | XX/XX/year> : Account number : XXXX I never authorized these inquiries. 30 days should be enough time to investigate and delete. 

XXXX XXXX XXXX : Account number : XXXX, I dont remember having a charge-off. 30 days should be enough time to investigate and delete XXXX : XXXX XXXX | XX/XX/year> : Account number : XXXX I never authorized these inquiries. 30 days should be enough time to investigate and delete. 

XXXX  XXXX : Account number : XXXX, I dont remember having a charge-off. 30 days should be enough time to investigate and delete. 

XXXX  XXXX : Account number : XXXX, I dont remember having a charge-off. 30 days should be enough time to investigate and delete. 

XXXX XXXX XXXX : Account XXXX, I dont remember having a charge-off. 30 days should be enough time to investigate and delete.
Product: Credit reporting or other personal consumer reports

[ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ] TransUnion Dispute Department [ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Subject : Dispute Regarding Inaccuracies in My Credit Report XXXX  XXXX Account To Whom It May Concern, I am formally requesting an investigation into inaccuracies reported on my XXXX XXXX account. Under the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 8 ), the Truth in Lending Act ( TILA ), and the CARES Act, creditors are required to report accurate information and correct any errors.

In the report provided by TransUnion, I have identified the following errors : 1. Incomplete payment history : TransUnion does not report any payment history for this account, which is inconsistent with the other bureaus.

2. Missing key details : Dates such as the last activity, closure date, and reporting date are either missing or incomplete.

3. Days past due not reflected : TransUnion does not report the late payment days accurately, while XXXX and XXXX include these details. 

These inaccuracies negatively affect my credit history and violate the FCRA, TILA, and CARES Act, particularly if COVID-19 relief measures were not properly reflected on this account. 

I request that TransUnion initiate an immediate investigation and work with XXXX XXXX to correct this information. Please send me a detailed update on the outcome within the legally allowed timeframe. 

I look forward to a prompt resolution Sincerely, [ XXXX ] [ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did - not Authorize / Authorizations the use of personal credit / view and/or open new accounts, IDENTITY THEFT VICTIM - XXXX DATA BREACH ... 

^^^^^^^^^^XXXX IInfomation^^^^^^^^^!!! 
Inquiry details XXXX XXXX, XXXX XXXX Inquiry from XX/XX/2018 ^^^^^^^^^^^^^XXXX^^^^^^^^^^^^^^!!!! 
Inquiry details XXXX XXXX Inquiry from XX/XX/2018 Utilities & Fuel XXXX Mort Inquiry from XX/XX/2018 Misc. 
XXXX XXXX Inquiry from XX/XX/2018 Misc. 
XXXX Inquiry from XX/XX/2018 National Credit Cards/Airlines XXXX Inquiry from XX/XX/2018 National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/2018 Bank Credit Cards XXXXNeeds Attention Last reported : XX/XX/2018 {$650.00} 30-59 Days Late XXXX XXXX XXXX XXXXNeeds Attention Last reported : XX/XX/2018 {$380.00} Credit Cards XXXX XXXX XXXXNeeds Attention Last reported : XX/XX/2018 {$2900.00} 30-59 Days Late XXXX XXXXNeeds Attention Last reported : XX/XX/2018 {$650.00} 30-59 Days Late XXXX XXXX XXXX XXXXXXXX XXXXNeeds Attention Last reported : XX/XX/2018 {$380.00} 90-119 Days Late
Product: Credit reporting, credit repair services, or other personal consumer reports

MY CREDIT REPORT HAS ACCOUNTS THAT DO NOT BELONG TO ME. I HAVE NO IDEA HOW THESE ACCOUNTS ENDED UP ON MY CREDIT REPORT. I AM A VICTIM OF IDENDETITY THEFT. THIS IS NOT FAIR TO ME BECUASE I DIDNT AUTHORIZE ANY OF THESE ACCOUNTS OR INQUIRIES.
Product: Debt collection

LVNV FUNDING is claiming that I owe them {$2300.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Checking or savings account

Account was frozen suddenly on XX/XX/year>, I received an email saying to call to resolve it but once I call they say nothing can be done, our mortgage will be reported late and we are in the middle of trying to refinance it, and my special needs son will not be able to get his life saving medication due to this disruption
Product: Debt collection

amount was paid in full months ago before collection attempts, agency is unresponsive to my information and continues to harass me with calls and letters
Product: Mortgage

Hello- We filed for forbearance through the CARES Act in XX/XX/XXXX due to our finances being impacted from COVID-19. We came out of forbearance on XX/XX/XXXX. We signed an agreement acknowledging that the payments missed including interest. The document also stated the payment deferral will not change any other of our mortgage terms. Instead of the lender deferring those payments to the end of the loan they increase our loan amount by {$26000.00}. Our loan went from {$300000.00} owed in the beginning to {$330000.00}. I don't understand why the payment amount due during that time went from {$26000.00} deferred to an additional {$26000.00} on top of it. Our home isn't even worth {$330000.00}. If we would have made those payment instead of entering forbearance the amount owed would be {$270000.00} I feel like they are double dipping so to speak. And penalizing us an additional {$26000.00}. 
We tried to talk with them and they even seemed confused on how they got to the figures. Now they will not answer any questions and told us to get an attorney if we needed further info. We have received 3 different amounts from various statement and feel they are calculating the forbearance wrong from the cares act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I owed money to a credit card company called XXXX XXXX in XXXX and received a chapter XXXX bankruptcy discharge in XXXX.. since then I have had trouble on occasion with getting loans and have discovered every time It 's disputed they put it back on my report and this to my knowledge is against the law. I HAVE SUFFERED WITH HIGH INTEREST LOANS BECAUSE OF IT. I WANT TO SUE THE XXXX XXXX AND ALL THE CREDIT REPORTING AGENCIES FOR NOT FIXING THIS PROBLEM. I had my attourney try and take it off twice since my discharge and it keeps coming back. I have the same problem with XXXX XXXX XXXX but already collected a small class action settlement from them but if they still refuse to take it off can I sue them directly? I deserve compensation for my troubles and am tired of fighting these bully banks and lazy credit reporting agencies that do nothing to keep truthful information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXX Account # 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, public record bancruptcy XXXX, has violated my rights . 

15 U.S.C 16811 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 instruction s
.
Product: Checking or savings account

I received a debit XXXX card from usbank on XXXX XXXX. I do not have an account with them or have recently opened one. I was informed from my employer that someone filed Unemployment in my name and I have gotten all of the forms in the mail from them ... PIN number, password, amount of weekly amount. I have filed with unemployment about the fraudulent claim but Im still worried there are other issues going on with my information. The address on all of my letters had the wrong house number too ... XXXX instead of XXXX. Thank you ... XXXX XXXX