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

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT by FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 

XXXX XXXX XXXX  XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$700.00} ; XXXX XXXX XXXX  XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance Owed : {$5800.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance Owed : {$550.00} ; XXXX XXXX ( Original Creditor : XXXX  ) XXXX XXXX XXXX : {$160.00} ; XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX Reference # XXXX ; XXXX XXXX Balance Owed : {$780.00} ; XXXX  XXXX Balance Owed : {$460.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate and is being filed by myself, XXXX XXXX XXXX, XXXX filing this complaint because my mortgage loan was not approved by the bank because of this account opened in my name due to identity theft. I did not open this fraudulent credit card account opened by by a person with the name XXXX with XXXX Bank. This was already investigated by the XXXX Police Department back in XXXX it was concluded that this account was not opened by me at that XXXX XXXX XXXX my identity. This account is still showing active on my Experian credit report which automatically denied my mortgage application. I am not responsible for this account because it was opened fraudulently and this account needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I was approved for tax exemption in XX/XX/2022, retroactively, the extra money that was paid for tax hasn't been returned to me. 

I caught XXXX in XX/XX/2022. I requested a forbearance due to other medical issues with me and my XXXX XXXX kids. Royal Pacific offered forbearance program. I was told this verbally that I could request forbearance and that I could call back and request to pay what I missed at the end of my loan.. This was explained to me over the phone with my wife. I was told verbally ( with my wife next to me ) by Royal Pacific to ignore correspondence regarding the program ( I don't remember the name but it would require me to raise my interest on my loan ). They told me to ignore the bills they gave me. When I called them back they informed me that the VA doesn't allow partial payments and that I would have to have all of it due which is XXXX dollars ( figure is an estimations don't have the paper in front of me at this time typing this ). I missed XXXX payment due to Medical issues, which I planed on making up on XX/XX/XXXX. They are now sending collection letters for the XXXX even though a person reached out to me to sign up for the CA COVID-19 financial program. Her name is XXXX XXXX and she left a message on my phone. I did this but Royal Pacific won't even wait, they keep sending me threading letters about collections, they verbally deceived me about the forbearance program Royal Pacific Offers. I have had to call them ( Royal Pacific Funding Corp ) numerous times to find out what is happening with my loan. Nobody has called me back about this. I called Royal Pacific on XX/XX/XXXX and asked someone to call me and nobody did. This has happened numerous time since Royal Pacific has administered my loan. I am a XXXX veteran and I am in danger of losing my home. They are understaffed ... ......
Product: Debt collection

I received XXXX letters with different account numbers from this collection agency stating that I oweXX/XX/XXXXmoney. I have never received any bills from XXXX and have always left a credit card on file with them. I had my wife place a call to this collection agency and it went to a personally messaged mail box. We then called XXXX and had them check our accounts with nothing pending found. Checking online we found numerous people complaining that this company attempts fake collections in XX/XX/XXXX name. I will turn these people over to every agency that I can find as I will not tolerate this sort of scam.
Product: Credit reporting or other personal consumer reports

I was a DCU member at the XXXX, Massachusetts branch for many years. I had noticed in my credit report that in XXXX, DCU Corporate in XXXX, Massachusetts had listed my account as a Charge-Off. I tried disputing the matter through XXXX since it had been 7 years and XXXX denied it. I reached out to DCU several months ago and they stated they never listed anything as a Charge-Off and that I was in good standing with them, so, I tried disputing the matter once more and XXXX denied once again. I called DCU on Friday XX/XX/XXXX and they said that my checking account had a negative balance of around {$150.00} and told them I had paid this off years ago and that no one notified me that I owed any money on the account. The sales representative spoke to collections department and collections said they said I didn't owe anything and was not sure why I had a charge off to begin with since I didn't owe anything. The supervisor of collections also couldn't see anything and couldn't figure out why I had a charged off account. This greatly upset me because it has impacted my credit for a long time and was falsely reported by the bank and had a false charge-off reported which is unacceptable.
Product: Payday loan, title loan, or personal loan

The loan was taken out XXXXXX/XX/XXXX, and the payment was {$100.00} a month. I paid on time until XX/XX/XXXX when I was admitted into the hospital for XXXX XXXX XXXXXXXX. I contacted them and told them I would be unable to make a payment until late XXXX which the manager agreed to because of circumstances. But they not only called and texted every day at least 3 times a day, they started calling from their own private cell phones even after XXXX ; XXXX. I would tell them I was in the hospital and they would say ok but then call me again in a few hours. When I got home I started making payments but then they said the payments went up even though I was paid up. Its getting out of hand, Ill make a payment and constant texts and calls stating I didnt or I owe more money. I feel violated that every employee has my personal cell on THEIR personal cell phones. That isnt right.
Product: Debt collection

Was contacted by Dynamic Recovery Solutions in regards to a debt from XX/XX/XXXX. I asked to be mailed a statement of debt and received a statement by mail on XXXX/XXXX/XX/XX/XXXX 

Current Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX/XXXXXX/XX/XXXX and spoke to their billing department and was told that all there was no open account and they did not send anything to collections. I have no debts on my credit score and Dynamic Recovery Solutions " helpfully '' informed me that if I paid them then nothing would go on my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filled fraud on my social security number already and still none of the negative reports are off my report. I 'm looking at this report and it look like it belong to someone else. Some of it simply is n't mine and some is very old and should be off no matter how times it get sold to different collection agencies. For example : XXXX XXXX XXXX on page 11, I 've never heard of, and even from this report it should be off. XXXX XXXX XXXX is at 16 years old and should be off my report.XXXX XXXX # XXXX # XXXX # XXXX I know nothing about and is false, Never heard of XXXX XXXX # XXXX before and should not be on my report, Never heard of XXXX XXXX XXXX # XXXX, and should n't be on my report, have not had an account with XXXX XXXX # XXXX, which is reporting here under the name JH PORTFOLIO DEBT EQUITI. # XXXX XXXX of these things I do not know of and is fraud and should not be there. Some are too old to be there as well. XXXX XXXX XXXX XXXX XXXX # XXXX is false those are false balance owed. I am also requesting the inquiries be taken off my record as well, because I have not applied for credit of any kind from anyone to explain all these inquiries. I have filed identity fraud on my social security number, and had a fraud alert put on my credit. I am amazed at all the false reports on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The XXXX Credit Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. ( CAPITAL ONE XXXX )
Product: Credit reporting or other personal consumer reports

INFORMATION EQUIFAX WANT TO VIFIED
Product: Vehicle loan or lease

My loan was with Axos Bank. I sold the vehicle to another entity. Almost 2 weeks after the loan was fully paid off, they just deducted another regular month 's payment from my account. The loan was fully satisfied yet they did not cancel the autopay arrangement. 

When I messaged them, all they gave me were directions on how to cancel autopay, which doesn't help after they've already deducted almost {$420.00} from account that I hadn't accounted for. Now I risk NSF fees for other bill obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States i have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Vehicle loan or lease

I've been paying {$340.00} a month for XXXX to Ally Bank XXXX XXXX XXXX Never have missed a payment till covid happened I've taken a huge financial hardship and burden the last 2 years especially with the economy the way it is. I have XXXX kids work full time and own my house. I've consistently called emailed and chatted online with countless people at Ally Bank. Nobody will offer any help they have me upside down in the loan. I've barely paid anything off and I've paid thousands and thousands of dollars. They refuse to do a payment modification for financial hardship. They offer absolutely zero compassion or any options. This is absolutely unacceptable and just wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Been A Victim of Identity. Someone has use my Identity with Out My Consent I did not Authorize anyone to open theses fraud accounts using my personal Information
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit card

Card was paid on XXXX with {$1500.00}. This card has declined from XXXX until XX/XX/year>. When we called Chase they said it takes a while for the payment to be applied. We paid on XXXX and can't use the card even up to XX/XX/year>. That's deceitful. They show payment was made and applied on XXXX but won't take hold off card and can't explain why other than saying it takes a while to be applied when they show it's applied on XXXX.
Product: Checking or savings account

My wallet was stolen at work on XX/XX/XXXX around XXXX. I got a text notification from my credit card company that over {$3000.00} was charged at XXXX XXXX by XXXX. I quickly froze my credit card ( XXXX ) and then checked by debit cards which are through another bank ( USAA ). I found one additional charge at XXXX at the same time for {$180.00} that I did not make. I called USAA to report this as fraud because my wallet/cards were stolen and to close those cards. I then made a police report through the sheriff office on XX/XX/XXXX. By XX/XX/XXXX, I was told by my workplace that I had to make a new police report through the XXXX which I did. I then called USAA on XX/XX/XXXX in the early afternoon to give them the XXXX case report number and that I would upload the police report when I got it. By XXXX on XX/XX/XXXX I got an email from USAA XXXX they were closing my claim and deeming it not fraud. I called them the next day to inquire why and was told it was because the chip in my card was used and that I did not report it stolen. They did confirm that they have record of me calling on XX/XX/XXXX to close my cards because they were stolen and that they had the police report number. Despite this, they are claiming that I did not report it stolen so the charge is not fraudulent, and I still owe it. I am trying to reopen it the claim now that I have the full police report ( it took a couple weeks due to the holidays and it being an active investigation ), but I was told they would put in a message, and someone would review it within XXXX to see if they would even consider reopening it. I also want to note, that I am not the only person whose wallet was stolen that day at my workplace. XXXX other people 's wallets were also stolen by the same woman witnesses saw and they have on video tape at XXXX XXXX. If needed, I can see about obtaining that footage from the police as well because she is described as a larger XXXX woman and I am a smaller white woman as further proof that this is actually fraud.
Product: Mortgage

In the month of XXXX I saw early on that XXXX XXXX had withdrawn two payments for my account instead of one, which caused my mortgage payment to go NSF. I called my mortgage service provider around the XX/XX/XXXX-XX/XX/XXXX to notify them of the issue. they said it wasn't a big deal and to just submit the payment online again and it would be fine. I submitted again and the funds had not been cleared yet by my bank which resulted in ANOTHER NSF payment to the mortgage company. Post that payment I made two others that cleared my account but were returned a few days later. When I called they said my account had been placed as certified funds meaning the will only accept XXXX XXXX, cashiers check or Money orders. My bank if mostly an online bank and I am unable to go them and get a cashiers check. XXXX XXXX has upper limits on transactions and I would be forced to send them two transactions with fees of {$50.00} each. And given that the amount of each would not satisfy the amount owed they would more than likely return those as well.
Product: Bank account or service

This is to express XXXX concerns about HSBC banking. I began the process of transferring my investment accounts out of HSBC ( XXXX, VA ) in latter XXXX of XXXX the process was completed by the end of XXXX. I later closed all of the remaining accounts. When I returned home in XXXX after a partial winter residence in the XXXX of USA, there was a credit card bill from HSBC. I informed the branch manager where I previously banked ( XXXX, VA ) that I had not used the credit card and no one else should have been able to use them because I had closed all accounts with HSBC. I wrote a statement and submitted it, but HSBC continues to send me a bill with interest. I have spoken to my previous branch manager several times, but the problem has not been resolved and they continue to send me a bill. I want the billing to stop. I did not use the credit card ; the account was closed and should not have been used by anyone. Evidently, I would not know, the credit card account was not closed ; I did not use it. XXXX ) I transferred my investments to XXXX. They handled all of the paper work. HSBC charged me fees for a time period when XXXX had the investments. I was not working with anyone in the months prior to transferring my investments from HSBC. When HSBC could not justify a fee payment, they took money without permission or informing me out of my Money Market account to pay themselves an unearned or deserved fee. That was the point when I severed all ties with HSBC ; I closed everything. I first moved my investments for XXXX reasons : a ) they were not at all helpful and responsive when I wanted to refinance y home at a lower interest rate. b ) After the persons I was working with left the company for other jobs, no relationship was established with me and when I made a request, no action was taken on my investment account. I am urging other to take heed and look for a bank that will serve you with integrity. XXXX ) Also, they cause me to loose over a thousand dollars by not cashing an old check. They took the check and gave me a piece of paper that the XXXX XXXX would not honor. They should have given back the check so that I could have had it reissued. XXXX egregious acts ... .stay clear.
Product: Credit reporting or other personal consumer reports

TO : Whom It may Concern This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that CONSUMERreporting agencies excercise their grave responsibilities with fairness, impartiality, and a respect for the CONSUMERS right to privacy.

I demand the deletion of all personally identfiable information from my CONSUMER report with the exception of : MY FULL LEGAL NAME : XXXX XXXX MY ADDRESS : XXXX XXXX XXXX XXXX, La. XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses. 
Please delete these outdated addresses and update the address with the one above!!! 

My only phone number is XXXX Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( A ) ( 4 ), I am a federally protected CONSUMER and have a right to privacy.

Not granting me my rights is in direct violation of 15 USC 1681 and all subsections.

Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give consent for this company to use my personal information for any reasons and by doing so have violated my rights and privacy. Not Only did they use my information they also used inaccurate information at that, damaging my reputation. The Company I am Referring to but not limited to is Equifax, Credit Bureau XXXX.