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

To Whom It May Concern, I was looking at my credit report. I noticed a few inaccurate information on my credit report on XX/XX/XXXX. The following inquiries I believe to be fraud as I never authorized them to run my credit or gave anyone permission to run my credit. I have no accounts with these people. XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. Again I never signed anything with these companies and would just like this removed so my credit is accurate. I also have a XXXX XXXX account that I was late once on XX/XX/XXXX. The customer service rep said they would remove it back in XX/XX/XXXX as a common courtesy but from looking at my score it appears was never removed. I also have another late fee from XXXX XXXX back In XX/XX/XXXX and they also they said they would remove it since I've since always paid on time. The reason I was late with those cards was because while working for fed ex at the time I had got injured on the job.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXXXXXX XXXX # XXXX and 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 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: Debt collection

XXXX XXXX is inaccurately reporting a fraudulent debt on my credit file. 

I have provided proof showing there is an address inaccuracy between the information they are reporting and my legitimate credit file. I have attached screenshots documenting this. 

I have also attached the correspondence received from XXXX XXXX regarding this account, as well as my official FTC Identity Theft Report related to this matter. 

Despite clear evidence of identity theft and reporting inaccuracies, XXXX XXXX continues to furnish this fraudulent information to the credit bureaus, in violation of the Fair Credit Reporting Act ( FCRA ) 605B. 

I have complied with all legal requirements to demonstrate that the account is the result of identity theft, yet they have not deleted the account as required by law. I have attached down below and ftc identity theft report as well as my current Experian info summary proving that address is not mine. Like I have said multiple times this debt is not mine I never financed anything and even the signature on file is fraudulent I dont sign anything with initials. 
Kindly remove this from my credit report immediately.
Product: Mortgage

I have not been re-reimbursed for the remainder of my escrow account after the mortgage loan payoff. I have called several times and keep being told a stop payment will need to be submitted along with a new check issued and that this will take several weeks. Each time I call they say they need to submit the paperwork, apparently nothing is being done. 

The following are the dates that the mortgage company PHH has on their website about the refund. I received a letter from PHH mortgage on XX/XX/2018 with the loan payoff details but there was no check enclosed. 

Applied Date Due Date Description Amount XX/XX/2018 Escrow Funds Disbursed to Borrower - {$390.00} XX/XX/2018 XX/XX/2018 Loan Paid in Full {$65000.00} It is now XX/XX/2018 and the check has not been sent out yet. I am being told another 5 business days I should see this check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this XXXX XXXX XXXX account number XXXX on XXXX  The credit report of ( Credit Reporting Company ) shows these items were deleted from my credit file, Now these items have been reinserted on my credit report. In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA S 611, Procedure in case of disputed accuracy ( 15 U.S.C. 16811 ], Requirements relating to reinsertion of previously deleted material. Certification of accuracy of information. If any information is deleted from a consumer 's file pursuantto subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( a ), consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinserted date. ( I ) a statement that the disputed information has been reinserted ( 11 ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy-or completeness of the disouted information. I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action Your agency may avoid such action by immediately deleting this listing from my credit report
Product: Credit card

IT WAS STOLEN MY PERSONAL INFORMATION WAS STOLEN, I NEVER HAD BUSINESS WITH BARCLAYS BANK DELAWARE, FRAUDULENT ACCOUNT WITH THOSE CARDS.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX please remove any variations of my name they are not accurate. My current and only address is XXXX XXXX XXXX XXXX, WV XXXX XXXX. My SS is XXXX   DOB XX/XX/XXXX.Please delete the following addresses from my file they are not accurate: XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, WV XXXXXXXX XXXX XXXX XXXX, OH XXXXI HAVE  CELLPHONE NUMBERS ON MY FILE THAT DO NOT BELONG TO ME PLEASE DELETE THE FOLLOWING NUMBERS: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX company is falsely reporting a late payment to Experian. I tried to remedy the issue with the company on multiple issues, to no avail. In short, the payment did not process on the due date, so I called to remedy the issue, and thought everything was solved, until I received a notification for a late payment. This was for a payment due in XX/XX/2020. Had I not been able to make the payment, I would have called prior to the due date and asked for assistance as provided by the CARES Act, due to COVID-19. 

There are discrepancies ( as I have included proof of in the attached file ) with XX/XX/XXXX electronic record keeping system, and it causes me to question the record keeping practices of the company as a whole, and the validity of the information furnished to the credit bureaus overall. On XX/XX/2020 XXXX attempted to process 3 payments at the amount of {$190.00}, in the total of {$580.00}. This amount was {$190.00} more than authorized to come out and {$190.00} more than actually owed at the time. This is also not the date or the amount I discussed over the phone with a representative. I discussed a one-time payment of around or about {$390.00}. The only record XXXX seems to have of the {$390.00}, is in the notes, and not annotated on the financial records. Despite someone trying to correct this issue on XXXX behalf, before I caught it, the payments still processed through our account. This is also reflected on the XXXX website transaction history where it shows 3 payment reversals effective on XX/XX/2020 ( Im sure due to an employee/the system recognizing the error before we did ), as well as a fourth payment attempt on XX/XX/2020. The records for the fourth payment attempt also falsely read that the payment was not received until XX/XX/2020, despite our bank records ( see attached ) showing otherwise ( that payment was received on XX/XX/2020 ). We also incurred almost {$60.00} in returned item fees, due to a discrepancy on XXXX behalf of attempting to take {$580.00} out of our account at once. In addition to this, I was under the assumption that we were a month ahead on payments from the initial start. This is an account that I have with my ex-husband, so we only put what's needed in there for the timeshare payment, and nothing more. 

Please see the attached PDF for a more detailed explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied and got approved for a discover credit card account XX/XX/2020, thereafter, upon the company 's request, identity verification documents and forms were requested in order to proceed to open the account. On XX/XX/2020, I faxed the documents which I later found out they were denied because they say the fax documents came back to dark to read. So I decided not to proceed with activating the account. 
On XX/XX/2020, I recieved a letter from Discover saying that they were unable to successfully complete the application review and process until the verification documents were complete which they failed to do so. 
On XX/XX/2020 I recieved another letter notifying me that my account has been closed because my personal information was unable to be verified yet instill the account is listed on my XXXX  credit report account as active as the account was never even activated. 
Today, on XX/XX/2020, I called Discover to ask them to remove their account form my report and they told me that it could remain on my credit report for 10 years when usually when a credit report account has been cancelled or closed, the account information is removed immiedately. 

When this account account was never even activated
Product: Checking or savings account

I had to contact y'all about the disputes I had filled, and they keep telling me they are still reviewing its been a whole week that they are still saying the claims numbers are XXXX and XXXX and XXXX and XXXX and XXXX and XXXX and XXXX and XXXX and XXXX I want y'all to proceed all my disputes and credit me back a total of {$720.00}.
Product: Checking or savings account

Citibank sent my new Citi Priority Debit Card ( CPDC ) to a non-address in XXXX by omitting the last digit of my house number in my mailing address. And my mailman did not ask if anyone in my row of townhomes was expecting an evelope from the US. 

As a result, my new CPDC was returned to the sender and subsequently destroyed. 

My mailing address had been entered incorrectly or changed in my account without my permission, as the email sent by Citibank informing me of the imminent arrival of my new CPDC was full of abbreviations, a shortcut that was not my doing as my communication with Citibank service representatives on XXXX shows. 

Moreover, the change mailing address feature in my online account has been disabled for some time. 

In order to have another CPDC sent to me, Citibank required that we go on the phone. 

We did just that and Citibank proceeded to have me fail their personal question test, because the service representative asked me for an " alias '' which I might had used when opening this joint account instead of for the name of the co-holder, who is my father. 

The confusion threw me off, and I told the representative I had heard what sounded like the mentioning of my father 's name at the end. When pressed for an answer to a possible " alias '' used, I could only say " none of the above ''. 

I was told that I had failed the personal question test. One strike against me, and I was out. 

I would like to add that several of the multiple choices provided for the " alias '' I was asked to choose from, were poorly pronounced XXXXsounding names. 

I ask Citibank : Where is that training for cultural literacy and an end to racism? I expect a well-known American multinational financial services provider to be more professional. 

PS : I have attached XXXX ( XXXX ) screenshots of evidentiary materials to support my case. Attachments # XXXX show our communication on XXXX and an email from Citibank ; XXXX # XXXX shows my expired CPDC.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had late payments on an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy this account has not been late on payments Ive attached a copy of my report.I 'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete XXXX statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!
Product: Credit reporting or other personal consumer reports

I received a letter from Equifax XX/XX/XXXX ( XXXX  ) pertaining to a dispute I filed on XX/XX/XXXX. This dispute regarded several accounts that were a mix of previously and newly disputed information. With that being said, I received the results via mail XX/XX/XXXX. My results came in and there are multiple things deleted as well as showing not currently reported on my consumer report. However, this letter does not reflect on my FICO nor XXXX  score. It is going on 3 weeks since these results came in. 
There is also one particular account in the amount Of {$1700.00} that still remains on my report. It was deemed as being owned by me however, the reason that it was disputed was not for fraudulent charges or anything pertaining to the ownership of the account. This account was disputed for not having complete information on my FICO 8. The information still remains the same. It shows the amount owed, account number, and date opened. It does not show whom the debt belongs to, or any information for me to contact the collector. This is a violation of the FCRA for not displaying complete and accurate information. I had a similar account with the same dispute reason that was removed in this investigation. However, both of these accounts were being disputed for the same exact reason. This information should not have been modified but removed off my report entirely for originally being incomplete. 
I also have a charge off that was paid for less, and when disputing, the first time was not acknowledged, or notated on my credit report. In this most recent investigation, I requested that they charge off be removed due to the fact that it had been paid. Regardless of if it was paid in full or paid for less once the charge off is paid and was never notated on my report, it was a violation of the FCRA. I, the consumer, have the right to dispute any inaccurate information on my report. I disputed these items and did not receive satisfactory results. You can clearly see on the Equifax letter that was sent to me. It states we have reviewed your concerns in our conclusions are collections that have not been paid in full will remain on your credit file seven years from the date of first delinquency. However, I was told by the bank that developed my collection that the remaining amount would be forgiven, and that the status would be paid in full. This is a complete misconception all the way around and I am requesting that this information be removed off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report from XXXX, XXXX and Transunion and saw and incorrect account being reported. Ive contacted the collection agency and they were unable to validate the debt. They threatened to sue if I didnt pay the debt but provided no information. I want the debt removed as it is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account # XXXX {$1300.00} written off XXXX XXXX Account Showing twice ( Inaccurate, Unverified ) Unverified and Inaccurate Reporting of Charge-Off on this account This listed item is inaccurate and incomplete and represents a serious error in your reporting. I deny that this is my debt, and if it is my debt, I deny that it is still a valid debt, and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my knowledge and I have no contractual agreement with XXXX XXXX. Not reporting 100 % accurate information as required by section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act. The Consumer Credit Reporting Reform Act of 1996, Public Law No. 104-208, 110 Stat. 3009, imposed legal duties on entities that furnished information, or were otherwise acting as the sources of information to Experian, including collection agencies. 

XXXX XXXX Account XXXX charged off. {$19000.00} written Unverified and Inaccurate Reporting of Charge-Off on this account This listed item is inaccurate and incomplete and represents a serious error in your reporting.The account balance of {$19000.00} charge off reporting is inaccurate and not reporting 100 % accurate information as required by section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act. The Consumer Credit Reporting Reform Act of 1996, Public Law No. 104-208, 110 Stat. 3009, imposed legal duties on entities that furnished information, or were otherwise acting as the sources of information to Experian, including collection agencies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type Collection XXXX XXXX XXXX Account XXXX Unverified and Inaccurate Reporting of These listings item is inaccurate and incomplete and represents a serious error in your reporting. I deny that this is my debt, and if it is my debt, I deny that it is still a valid debt, and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my knowledge and I had no contractual agreement. Not reporting 100 % accurate information as required by section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act. The Consumer Credit Reporting Reform Act of 1996, Public Law No. 104-208, 110 Stat. 3009, imposed legal duties on entities that furnished information, or were otherwise acting as the sources of information to Experian, including collection agencies. 

These addresses are fraudulently reporting and incorrect and should be deleted ( I attached a notarized affidavit including my drivers license and utility bill with proof of residency ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Opened roth ira account. Deposited {$10000.00}. Ally Bank has refused to allow access to the account for nearly a year. Deposit was in a Ally Bank subsidiary LLC account.

Ally has no LLC subsidiary account active in the state of Hawaii. Not likely to be able to sue a businiess organization that does not exist. Ally bank in the past has paid out XXXX XXXX dollars for fraudulent representations. The bank is nothing but thieves and not very clever ones.
Product: Debt collection

TODAY XX/XX/2020 1 APPLIED FOR AN AUTO LOAN AND UNFORTUNATELY WAS LOAN NOT APPROVED BECAUSE WHEN THEY RAN MY CREDIT. I WAS TOLD THAT THERE WAS AN ACCOUNT IN DEROGATORY STANDING ON MY REPORT. I DON'T KNOW WHAT THEY ARE TALKING ABOUT SO I LOOKED THROUGH MY CREDIT REPORT MYSELF AND SAW THE ACCOUNT THAT DOES NOT BELONG TO ME. THE ACCOUNT IS NET CREDIT-XXXX .... {$7300.00}. I DID NOT OPEN THIS ACCOUNT AND I DID NOT ALLOW ANYONE TO OPEN IT IN MY NAME USING MY PERSONAL INFORMATION. I DID NOT BENEFIT ANYTHING AS A RESULT OF THIS ACCOUNT BEING OPENED IN MY NAME WITHOUT MY PERMISSION NOR DO I HAVE A CONTRACT OR AGREEMENT WITH THIS COMPANY
Product: Debt collection

I had added XXXX lines to my account with XXXX. My husband suddenly bailed on our marriage and cancelled those XXXX lines, incurring early termination fees. We each made a {$200.00} payment toward the {$1700.00} bill. The account was turned over to collecttions. Neither payment was reflected in the balance they were seeking. Within two months, I received bills from a different collection agency, again not reflecting our payments. I made regular payments to them on a monthly basis. A woman from the agency contacted me and proposed a settlement agreement. ; if paid {$210.00} for the next 3 months, the debt would be settled. I agreed and fulfilled my portion of the contract. She told me I would receive a letter after my last payment within 30 days stating the account was satisfied in full. The letter never arrived. I called her back ; she told me to call the " escalation department. '' When I did so, the phone was either not answered or answered by someone who just said hello and then hung up on me. Next, I received a bill from another collection agency asserting that I owed the amount that was supposed to have been written off. At this point, I have paid the entire balance ; there 's nothing to write off. The last collection agency is still trying to get {$600.00} from me. I was deceptively treated. XXXX has written off this account ; these people are trying to milk me for more money.