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

I was a member of  XXXX   XXXX   XXXX , which was acquired by Pentagon Federal Credit Union. The process of merging, transferring, and issuing new account numbers were phased-in over three months :   XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX  .     I have had a  XXXX  Visa card ( " loan account '' ) since  XX/XX/XXXX  that I paid via my accounts page. My accounts page included my savings account and I would pay my Visa by simply transferring money from the savings account to the Visa account. During the phase-in transition however, the banking accounts ported over to the Penfed website  in   XX/XX/XXXX  , but not the Loan accounts ; those would not phase-in until  XX/XX/XXXX .      In  XX/XX/XXXX  I sent a secure message to Penfed customer service about making my Visa payment, the response was to mail it, and I was provided an address. I se nt a Bill Pay p ayment from my main banking institution to the address provided. I verified that it had been delivered. A few weeks later I receive a letter saying my payment was not received, so I sent another Bill Pay payment overnight via  XXXX  and it came with a tracking number. I verified with the  XXXX  ' website that it too had been delivered. Both payments were sent and received before the due dates.     On   XX/XX/XXXX , I  receive a credit alert from  XXXX  that Penfed reported my Visa account as 30 days late. The effect of this reporting tanked my  credit score.      When I called Penfed 's customer service I was told that they were behind on processing former  XXXX   XXXX   XXXX  loan payments.
Product: Credit reporting or other personal consumer reports

I am writing with the utmost urgency to demand immediate action regarding the fraudulent accounts and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith : Expunge all fraudulent accounts from my credit report. 
Provide written confirmation that these items have been removed. 
Conduct a comprehensive investigation into how these accounts were erroneously reported. 
Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint to TRANSUNION regarding unauthorized inquiries reflected in my credit report. Upon reviewing my credit file, I noticed that several companies have accessed my credit report without my permission. These inquiries were made without my knowledge or consent, and I did not authorize any of these companies to review my credit history. As a result, I believe that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, specifically the provision that requires a company to have a permissible purpose before accessing my credit information. I respectfully request an immediate investigation into these unauthorized inquiries and that the TRANSUNION will remove them from my report. I am also requesting that the companies responsible for these unauthorized inquiries provide documentation showing that they had the required consent or permissible purpose to access my credit file. I trust that your agency will take the necessary steps to address this violation and ensure my credit report is corrected in accordance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Toyota motor credit 2018 XXXX XXXX XXXX was paid and never a collection account Account # XXXX I recently reviewed my credit profile and noticed inaccuracies. According to the Fair Credit Reporting Act, Section611 ( 5 ) ( A ) of the FCRA, you are required to promptly DELETE ALL information that is inaccurate, or which can not be verified this account was paid off by insurance and gap coverage and was never a collection account and needs to be updated as. 

I request you provide proof of this account being late. This account was paid in full and was paid off. 

Please provide a detailed description on all procedures used in your process to determine complete accuracy of information provided The following derogatory accounts are untrue and incorrect. I am demanding that this account be updated to be paid as agreed never late Once you have finished your investigation, send me a update credit report to the address stated above
Product: Credit reporting, credit repair services, or other personal consumer reports

Elite Financial in XXXX, SC filed a judgement against me for an unpaid balance on car loan. I paid the judgement off on XX/XX/22 in the amount of {$1700.00}. However, they never filed a satisfaction of judgement with the county clerk and it is still showing on my credit file as a judgement. I am in the process of re-financing my home and my current lender needs something from Elite Financial that states it is paid. They are refusing to provide me that documentation and saying it is noe their responsibility to have it removed. This is impacting my closing date and affecting me financially. I have a copy of the check that was sent to them as well as a disbursement document from my previous lender if you need that. I would appreciate you helping me get this matter resolved as soon as possible. Thank you and let me know if you need further information. 

Thank you.
Product: Credit reporting

The consumer reporting agency has repeatedly falsified information on my credit report.the false information has made a drastic negative impact on my credit score, this impact has prevented me from goals such as home ownership among others. The reporting agency has updated information on several accounts that have been closed for a extensive time, thus violating the fair credit reporting act. The following are closed accounts that have updated as late or past due in recent months. 
1.XXXX - closed XX/XX/XXXX showing past due in XX/XX/XXXX also showing incorrect amounts2.XXXX - closed XX/XX/XXXX showing as past due in XXXX3.XXXX ( XXXX ) closed XX/XX/XXXX showing as past due XX/XX/XXXX4.XXXX ( XXXX XXXX ) closed XX/XX/XXXX showing past due XXXX5.XXXX closed XX/XX/XXXX showing past due XX/XX/XXXX6.tsi XXXX closed XX/XX/XXXX showing past XX/XX/XXXXThese items are reporting as if they are recently past due, thus leaving new creditors to believe my current situation is such that I may not pay them responsibly.
Product: Credit reporting or other personal consumer reports

The company is in violation of my consumer rights as outlined under the FCRA. According to the FCRA, all information on a consumer credit report must be 100 % accurate and verifiable. 
The company has included fraudulent, inaccurate accounts on my consumer credit file making that a violation of the law. I am a victim of identity theft and have no knowledge of these accounts. I have reported this incident to the FTC and included a copy of the report with this complaint.
Product: Checking or savings account

Bank of America has twice allowed a thief to change information on my accounts, necessitating my spending countless hours over XXXX months, primarily due to their evident inability to secure a Preferred Clients account. As a result my account was frozen until I was able to come into a branch and provide proper identification. That alone took XXXX XXXX hours. Yet that same week, on XXXX XXXX the thief was back manipulating Bank of Americas astoundingly ill trained personnel. This despite mountains of notes on my account regarding security, SMS confirmation and verbal passwords. To add insult to injury I had to leave my family alone as I spent my XXXX XXXX speaking to several Bank of America. employees. Then again on XXXX XXXX. I could not believe how absolutely incompetent Bank of America had been, considering that their core business is to keep its clients accounts safe. 
Only after I submitted a complaint with CFPB dis I get a response from Bank of America. In both in this instance as well as in XXXX ( pre-frozen account period ) it was merely to have a perfunctory and non-communicative branch called XXXX XXXX to allegedly discuss my complaints. In both cases their Resolution Specialists XXXX XXXX XXXX and most recently XXXX XXXX XXXX contacted me with an artificial deadline. I responded to both via email and via telephone. I never heard back from XXXX and have been waiting several days to hear back from XXXX. The latter contacted me in the final hours of XXXX. While a colleague XXXX XXXX from Bank of Americas Regulatory Compliance Department actually called me on Saturday XX/XX/XXXX. Nothing was resolved in XXXX and there is no indication that this Regulatory Compliance Department will make amends for the chaos that theyve allowed. As they are clearly trying to run the clock out, apparently in hopes that the issue will vanish. 
Bank of Americas inability to fulfill these fundamentals leads to compromising the security of Bank of Americas consumer business clients, which is at the core of this division of Bank of America. 
Considering Bank of Americas complete failure at their core functions, perhaps they should consider divesting from consumer banking. Given their evident lack of interest and laughably inept personnel facing their clients.
Product: Mortgage

I am in the process of refinancing my house, and currently having trouble receiving the correct pay off letter from my current loan service provider Specialized Loan Servicing LLC. When the original request was placed by XXXX XXXX ( XXXX ), the new mortage company, the Pay Off letter they received had the escrow funds applied to the principlal, as an arbitrary decision by XXXX. Since the letter was received i have called several times and requested the pay off no to be inlcuded, as this funds will be used to pay my taxes and insurance in XX/XX/XXXX and i will use as part of closing cost. 
On the first call XX/XX/XXXX, the XXXX representative indicated that this is their policy, and i indicated that i disagree as the Escrow money should not be commingle with principal payments. The representative review with their manager and approved the exeption. ( XXXX was the agent name ). 
On the second call XX/XX/XXXX, a place a tree way call including XXXX rep XXXX. The XXXX rep was unwilling to help me and hang up the call on us. 
Third call i requested to speak with Manager, XXXX ID XXXX, she indicated that first request was denied, which i was never told an approval was required, and that she will submit a second request. 
I have been contacted by XXXX that still Pay Off letter is pending an my refinance lock rate is expiring ... i really want this XXXX company to be reviewed as this seem to be a Consumer Predatory Practice. 

XXXX Contact : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CO XXXX P XXXX F XXXX
Product: Debt collection

Robocall from XXXX asking for payment of medical bill for my deceased mother-in-law that has been paid to XXXX XXXX Hospital, XXXX, Fl.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX 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: Mortgage

I had mortgage payments scheduled through my bank 's bill pay service, scheduled for the XXXX of the month. The last payment was sent out on XX/XX/XXXX but was not cashed until XX/XX/XXXX. This incurred a late fee of {$120.00}. Previous payments were being cashed within XXXX days of being sent out and did not incur late fees.The mortgage servicer does not indicate on their website when the check was received, only when it was cashed. They refused to refund the late fee. I can not believe that it took 18 days to mail the check and have it processed ; something else is going on here.
Product: Debt collection

A collections company, Afni, is attempting to collect a debt from me on behalf of XXXX XXXX XXXX. I was never contacted by XXXX XXXX XXXX directly. They are saying I owe {$1600.00}. Apparently sometime back in 2021 this occurred. I had also had this issue with XXXX, and it was discovered my identity was stolen including my social security number. XXXX closed my case after their internal investigation. I have not been able to speak with anyone from XXXX XXXX XXXX since they referred this to a debt collector and after speaking with Afni the debt collector, they told me XXXX XXXX XXXX doesn't recognize any identity theft and that I still owe the money. How do I get any resolution with XXXX XXXX XXXX if they won't speak with me one on one?
Product: Credit reporting, credit repair services, or other personal consumer reports

An account with the XXXX XXXX XXXX was opened fraudulently, without my consent. I went through a year-long investigation with the XXXX XXXX XXXX after which they concluded that the account was a fraud account. I received a letter on XX/XX/2021 confirming it was a fraud account, and since then they have failed to delete the account from my credit reports. I received a second letter dated XX/XX/2021, confirming they have now sent deletion requests to the major credit bureaus. When I have tried to contest and delete these items myself, the bureaus have failed to comply despite providing copies of Police Reports, Identity Theft Affadavit, Correspondence with XXXX XXXX XXXX and the two letters from XXXX XXXX XXXX  confirming the account was fraud and that it should be deleted. Copies of these letters are enclosed.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. 

XXXX XXXX XXXX XXXX : True identity fraud XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I tried to apply for credit and learned that I was denied. After searching many channels to understand the reason for the denial, I learned that my information was leaked through the Equifax data Breach. I am not sure why has happened, and I should not have been denied credit.
Product: Credit card

My closed Lord & Taylor credit card account is now with Capital One. I have always paid more than the minimum every month and was never late. I called to ask for a one time credit courtesy for a late fee that was charged to the account in the amount of {$29.00} today Saturday XX/XX/2024. I made the payment one hour after the deadline time of XXXX on the due date of Friday XX/XX/2024. The Supervisor said she can not waive the late fee because the company policy does not permit any late fees to be waived. 
I think this is unfair because of me being a loyal customer of Capital One, who always make payments on time and was late by one hour should have this fee waived.
Product: Credit card

Around XX/XX/2023, I called Citibank # regarding fraudulent charges that I did not authorize and to close my account. I called again XX/XX/2023 and was passed from one person to another. I asked them to report to the credit agencies and to correct it as it is affecting my credit score and my credit. 
I called Citibank # XXXX, then was asked to XXXX The amount was {$4200.00}. Credit card : XXXX fraudulent charges. 
Another credit card : XXXX also fraudulent charges- not sure of the amount. 

I am so scared to use Citicard again and have not until these issues are resolved.
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 the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX, # XXXX.
Product: Credit reporting or other personal consumer reports

Ive sent this company a cease and desist yet, this company has refused to adhere to the federal guidelines. More so, my countless requests have been ignored to resolve this matter. This company has also been found to impose as a collection agency where in fact this company is not legally licensed nor insured to collect in the state of XXXX. Please have this company cease all collection activities as this is my last attempt to resolve this outside of court. 

* XXXX has blatantly disregarded my numerous certified dispute letters in regards to this XXXX account which is XXXX XXXX XXXX which is present on my credit profile. I have sent multiple method of validation letters requesting how they verified this debt. Also advising of the irrefutable factual inaccuracies pulled directly from their website. Lastly asking for a contract bearing my signature that I owe XXXX. Yet, to no avail the disputes was closed multiple time with no method of validation toward the validity of the debt. XXXX instead of being in compliance with the FCRA chose to update the inaccuracy instead of deleting said account. This is a clear violation of my civil rights and FCRA guidelines.
Product: Checking or savings account

Date Opened : XX/XX/2016 Date Closed : XX/XX/2016 I did not give permission to report this to anyone because I have a right to privacy, according to 15 USC Code 1681 Section 4.
Product: Debt collection

The company 's name is Affirm and I've attached their link below. 

On XX/XX/XXXX, I received a text message notification that I owe over {$200.00} for an XXXX purchase that was made in XX/XX/XXXX. I immediately called Affirm to report this as fraud because I did not make any purchase from XXXX during that time. Affirm assured me that their XXXX XXXX would handle my fraud claim and they would resolve the matter in XXXX business days. They also assigned a claim number to my case - XXXX. On my first call, they told me that I should not make any payments. I specifically asked if my credit score would be impacted, to which they responded No.

Unfortunately, Affirm did not resolve my fraud claim and they have been sending me repeat text messages and emails every day for the past 2 months. I called them today on XX/XX/XXXX for an update to learn they still haven't resolved my case. I asked once more if my credit would be impacted and this time they said Yes. I asked to speak with a supervisor and was denied that right. I also asked if my case can be expedited and they could not give me a clear answer. 

This is extremely frustrating and I do not want me credit to be impacted by a fraudulent loan that I never requested. 

The support team has been very unhelpful and they appear to be understaffed. I am in need of assistance with resolving this matter urgently. 

https : //www.affirm.com/ Respectfully, XXXX XXXX, XXXX XXXX Attorney at XXXX )
Product: Debt collection

I have two accounts from the same collection agency Eastern account system # XXXX and # XXXX. I have no knowledge nor was I contacted about this debt. I never received a phone nor did I receive a bill or statement of these two accounts. I have called to see what the debts were the man on the phone said it name was XXXX and that I owed nearly XXXX. He explained it was for medical bills. Any medical bills I had were paid by my insurance. He advised one was for a medical scan and the other was medical testing. I disputed these bills after never receiving validation. Per credit report it states unable to locate. My credit report and doctors whom I still use currently have accurate information and neither my doctors nor creditor agency have a issue locating me. I have never been made aware that is a bill/bills with unpaid amounts of money. I would like validation and all proof that these debts. Never received information nor option to dispute the information reported to XXXX. 

Acct number ending in XXXX is dated XX/XX/XXXX {$350.00} Acct number ending in XXXX is dated. XX/XX/XXXX {$370.00} The amounts of money are similar. 

Recently XXXX reports that collection agency attached one of the accounts as a brand new collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted proof that the debt with XXXX/XXXX was satisfied and at XXXX balance and all 3 bureaus claim that they investigated and verified that there was still a balance. Even the creditor verified that they responded with XXXX balance but nobody wants to update. I WANT THIS DELETED AS IT IS NOW INCORRECTLY REPORTED BY ALL 3 BUREAUS!
Product: Debt collection

I have no knowledge of the a debt thats being reported on my credit report. I 've disputed this asked for verification of the debt and with no response from the company, I called the listed original creditor and informed them and was told I must contact NCC, no one will give me information, I filed a police report and disputed with CRAs, this is ruining my credit and its not my debt! When I call NCC I constantly get transferred and hung up on when they realize im not paying a 2k+ debt that is NOT MINE!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a certified letter to Experian last month requesting verifiable proof ( an original consumer contract with my signature on it ) for a few accounts listed. I received the results of my dispute report yesterday with no proof at all stating its verified. These accounts/creditors have reported on my Experian report and have also failed to provide any documentation as well. I would like for this matter to be resolved as soon as possible.
Product: Bank account or service

My complaint is agents 5th 3erd Bank I have the bank on line option with my checking accounts, I do n't understand nor can I ever get an explanation on why my account on line seldom reflects the actual balance in my account. I have received many overdraft charges for this reason. On Monday XXXX XXXX I deposit my pay check for XXXX, on that day my balance said I had XXXX ( the deposit takes 24 hours to credit my account ) so I have XXXX, plus XXXX pending. I make XXXX credit card payments that equal XXXX. On Tuesday XXXX XXXX I check my account and I 'm overdrawn XXXX. My rent check had been deposited on Monday by my landlord, but it did not get proses until Monday night, it was for XXXX, now what I do n't understand is if my credit card payments and my rent check were proses on Monday night and I had XXXX plus XXXX pending, how could I be overdrawn? How is it that my online account knows I have XXXX pending but my actual account does not? They intentionally ignore the deposit that is going into the account, hit me with XXXX overdraft charges, then suddenly credit the deposit and withdrawal the service charges. How is it that they never credit the pending deposit first? 
My on line account knows that there is a pending deposit it shows me on my on line account, I feel that 5th 3erd does this totally on purpose to charge me an overdraft charge. 
I hope you can understand what I 'm saying, I 'm not the only person that sees this, that Bank has hundreds of complaints against it. Pleas help they have taken hundreds of dollars from me this way and it just does n't seem fair, they mislead or blog face lie via the on line banking.