23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2019, FCO contacted me via telephone to advise that of debt owed ( {$180.00} ) to XXXX  XXXX XXXX. Since this was the initial notice of any debt owed to XXXX XXXX XXXX, I requested the representative to send me documentation to validate the debt and amount owed. At this time, I provided the FCO representative my mailing address, to send the documentation. 
A few weeks later on or about XX/XX/2019, I received a 1-page notice that stated that an outstanding balance ( {$180.00} ) was owed to XXXX XXXX XXXX with no details or any other proof to substantiate the debt. Although no specific details or proof were provided regarding the debt owed, in good faith, I decided to pay the debt. I was the guarantor for my daughters apartment at XXXX  XXXX XXXX while she was in in XXXX  and she had to move-out at the end of her lease in XXXX, due to an unforeseen XXXX and complications. Upon move-out, I contacted XXXX  to ensure that all outstanding debt was satisfied ; she had a XXXX-balance and the apartment was left in good condition upon move-out. 

Please be advised that I never received any notice from XXXX  XXXX of a balance owed until a FCO representative telephoned me in early XX/XX/2019. As previously stated, I was notified of the balance and upon notification, I requested documentation to substantiate the validity of the alleged debt owed. A few weeks later in late XX/XX/2019, I received a notice of the debt from FCO and immediately commenced payment on the debt. The first payment was remitted on in early XXXX and I continued to remit consistent payments. Due to my own unforeseen circumstances ( divorce ), I was unable to remit the outstanding balance in a lump sum payment. Hence, I remitted consistent bi-weekly payments until the balance was paid in full. 

Since I immediately commenced payment upon notification and continued to remit consistent payments, it was my understanding that the account would remain in good standing and not be subject to negative credit reporting. To my utter shock, I discovered in early XX/XX/2019 that the account had been reported to the credit bureau as a derogatory account. I immediately contacted FCO to inquire about the derogatory credit reporting and requested that the derogatory remark removed from my credit profile. I was advised that the derogatory reporting would not be removed because I did not remit payment or secure a formal payment plan upon initial notification of the debt owed; I had been notified previously of the debt owed in XX/XX/2019 but failed to mail payments. Per the representative, notices were mailed to addresses in XXXX, XXXX  - XXXX XXXX  ( I had not lived at this address in more than 3 years ) and XXXX, XXXX  ( I have never lived in XXXX ). I explained to the representative that i did not receive the previous notices ; they were mailed to a former address and unknown address. Thus, I could not dispute or pay a debt that I was not aware of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, I did not authorize or benefit from the following accounts. 

- XXXX XXXX  - Account # XXXX I have attached a copy of an identity theft report filed with the Federal Trade Center and demand you cease and desist from the presentment of all information alleged to be mine in order to avoid any possible liable for the identity theft or data breach of personal information. 

15 Usc 1681 ( c ) - Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who asserts in good faith a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft. 

Also attached below, I have obtained a copy a third- party of my 3 credit bureau report from XXXX and it will also show how XXXX has fixed the error but XXXX  & XXXX  have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 reporting or other personal consumer reports

I previously reviewed a copy of my credit report and found some fraudulent accounts and this is hurting my ability to obtain credit and is against the Fair Credit Act and I would like this account to be removed from my credit history so I can obtain credit. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX - Chase approves me for {$95.00} annual fee World of XXXX personal card. 
XX/XX/XXXX - Chase approves me for {$150.00} annual fee Southwest Premier personal card. 
XX/XX/XXXX - Chase Approves me for {$95.00} annual fee Ink Preferred Card. 
XX/XX/XXXX - Chase shutdown all of my accounts, personal and business. 
Chase provides inconsistent reasoning, from " rewards abuse '' to " high spend on cards '' when calling. However, all actions were being performed within the allowances provided by Chase ( credit limit, credit limit transfers, approved cards by chase by fully legit means ). 

Chase refused to discuss the matter with me, left me stranded without any prior notice of concerns or attempt to appeal the manner, probably because i booked my entire overseas wedding with the Chase Sapphire Reserve and they didn't want to risk that insurance coverage. Chase also refused to refund the prorated annual fees. My XXXX Card and Southwest Card deserve prorated annual fees and Chase refuses to refund it. I had my Southwest card open for only ~3 months but Chase wants to keep a full 12 months worth annual fee. It seems intentional they bait, approve me into a card, then, without ever telling me before at any point, cancel and keep their annual fee from me, or that they had concern of my account activity, or wanted to try and work with me over a concern.
Product: Credit reporting or other personal consumer reports

I was removed as an authorized user on my wife 's credit card and the other 2 credit reporting agencies removed it as an open account but Experian did not. I have a letter from the credit card company that states I am not responsible for this account but Experian continues to list it as an open account despite the fact that I have disputed this twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize this account, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.
Product: Checking or savings account

My aunt has an automatic payment set up through her checking account that needs to be cancelled. I was recently added to the account as her attorney-in-fact after she was deemed incapable of handling her own affairs. The automatic payment can not be cancelled. This post week I went to my local branch, sent messages through the online banking portal, and called the customer service department. I was told by all that, because the automatic payment was set up under another online user account, only that user can access the automatic payment. Company representatives can not access it or adjust it in any way. My aunt has never owned nor knows how to use a computer, so my best guess is that a banking associate assisted her by creating an online profile and setting up the automatic payment on her behalf. My only recourse for canceling the payment is to close the account.
Product: Debt collection

On XXXX i received a notice via mail from XXXX XXXX XXXX, XXXX XXXX XXXX that I owed a debt of {$2200.00} to Discover Bank. They presented incorrect information on the notice. The letter date they have listed is XX/XX/2022. They also stated that I had to write to them by XXXX otherwise they would assume the debt is valid and continue their collection efforts. It is very concerning that I am just now receiving this notice on XXXX after the date that they said I needed to respond. I feel like they purposely delayed sending this until well after XXXX so they could make it appear that I did not respond within that timeframe so they could continue with their collection efforts. The letter we received on XXXX is the first and only time we have heard from this law office. The reference number listed on the letter is XXXX. The Discover account number is XXXX. I have attached the letter that was sent as well as confirmation from USPS on when the letter was out for delivery.
Product: Mortgage

In 2003 I purchased the real property known as XXXX XXXX XXXX, XXXX, Maryland XXXX in XXXX County. Thereafter, I entered into a mortgage with XXXX XXXX XXXX XXXX XXXX. The Note was for {$480000.00} and refinanced XXXX outstanding mortgages. I have made the mortgage payments. Last year my loan was transferred to mortgage servicer BSI Financial. I have made attempts to determine my Rate, Payment, and Balance as I feel the loan has not been serviced correctly. When I call BSI I have been told to speak with different persons there who give me different answers. On XXXX XXXX, after being away for a couple days, I came home to my house having been ransacked, and furthermore, my house having been winterized and put under lock and key by my mortgage company 's proxy. I have had no foreclosure action instituted against me, and I have made every effort to comply with the terms of my loan.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

wrong address wrong information showing on credit report
Product: Checking or savings account

On XX/XX/year>, a fraudulent deposit was made into my check account via XXXX deposit. I contacted Citizens Bank regarding my findings, I was then told that the fraud department with look into the claim. Since then no one called me, nor sent mail regarding my fraud claim. I called on XX/XX/year>, to find out the status of their findings. And was told that my account is being closed, after calling the bank about and fraudulent deposit into my checking account. I feel that I was discriminated against because I am a XXXX man. I wasnt respected by the bank from the beginning of my complaint. All the bank sent me was a copy of the deposited check, and a letter indicating that the check might not clear. Because some inconsistency with the signature on the check. They never gave me a complaint number, nor did and reached out to me at all. I found out that my account will be closing soon, after contacting Citizens Bank on XX/XX/year>. I deemed this to be XXXX, discriminating and disrespectful towards me as a XXXX American citizen. I never encountered a situation by Citizens Bank before. And I dont think its fair for them to close my bank because I called and reported fraudulent activity against my account. If they close my account, my name will be sent to check systems or put on a XXXX list for life. All I want is justice in this matter, or I will be filing a lawsuit for discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to the credit bureaus and haven't heard anything from them. I've given them ample time but did not inform me of their investigation results. I'd like to get this information to see why the bureaus are reporting a few things differently and failed to support such reporting. 
The accounts - XXXX XXXX XXXX XXXX XXXX Account Number : XXXX****, XXXX. XXXX Account Number : XXXX****, XXXX. XXXX Account XXXX : XXXX**** were reported on my credit report and send disputes but failed to respond and with no proof of responsibility.
Product: Credit card or prepaid card

I recently applied for a credit card. The card was denied to me by your bank. Please see the reason ( s ) provided by your company. It appears the reasons are based off actions your company established such as accounts you closed. Closed accounts closed by bank should not be counted as negative. Please be specific as to which portions of my credit report were used and which accounts you used in your consideration if any and what information about the accounts you used. Please open requested credit card account immediately. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : 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: Vehicle loan or lease

In XXXX this year I went from leasing my XXXX XXXX XXXX to purchasing it. With the help of a car dealer I obtained a loan to purchase the car. 

I'm trying to understand why the car dealer, XXXX XXXX XXXX XXXX XXXX ( XXXX ), took over 1 month to pay out Chase Auto Finance at the end of my lease. This final late payment caused severe damage to my credit rating. 

Below I've detailed the chronology of events in XXXX and XXXX this year. I have documentation to confirm each event. I believe that I need XXXX to admit fault for paying Chase 's auto lease department over 30 days late for the final payment on my lease, causing me to lose 159 points on my FICO credit rating. 

Chronology of Events : My lease with XXXX expired on XX/XX/XXXX On Saturday XX/XX/XXXX, 2 weeks before the expiration, I paid a {$3000.00} down payment for purchasing the XXXX. XXXX told me that I would get financing without any issue. 

During the week of XX/XX/XXXX I was contacted by XXXX and told that I needed to make the down payment by check and that the credit card down payment would be returned. This was frustrating because I had to drive back to XXXX and submit the check. I did this on Saturday XX/XX/XXXX. 

On XX/XX/XXXX XXXX informed me that he needed to switch lenders. We switched to XXXX. 
On XX/XX/XXXX XXXX confirmed that the loan had been accepted by XXXX. 

OnXX/XX/XXXX, 49 days after my initial {$3000.00} down payment, XXXX finally made the last payment to Chase to close out the lease. This payment was due on XX/XX/XXXX ( I believe ). XXXX also paid a late fee which was not passed on to me. XXXX paid the following amounts : {$21000.00} & {$700.00} and the late fee. 

As a result of these late payments my credit score plummeted from XXXX to XXXX. ( The timing is awful because I'm trying to get a mortgage for a house ) Thanks XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX account with account XXXX XXXXXXXX opened on XX/XX/2017 and a balance of {$0.00}. 
The current payment status of 30 days past due is incorrect because the balance due on this account is {$0.00}. 

Please investigate the inaccurate information per 15 U.S. Code 1681 this account is being reported inaccurately and these matters are hurting my credit score and per Fair Credit Reporting Act ( FCRA ), the inaccuracy of this reporting needs to be deleted asap. Per CFPB laws and regulations, I am demanding this in accurate account be deleted now or be subject to penalty and civil action lawsuit with a violation of {$1000.00} per day this inaccurate account with inaccurate information is being reported. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three major credit bureaus, XXXX, Equifax, XXXX. Have refused to erase fraudulent accounts as well as accounts 7 years prior and older on my credit report repeatedly unlawful updating, and refusal to delete after these accounts have not been verified as my accounts. Theyre refusal to identify these fraudulent accounts have brung nothing but hardship on my life after I have done everything by law to dispute these accounts. These fraudulent accounts and 7plus years accounts on my report are as followed : XXXX XXXX XXXX acct # XXXX. XXXX XXXX acct # XXXX. XXXX XXXX XXXX acct # XXXX. XXXX XXXX acct # XXXX. XXXX XXXX XXXX XXXX acct # XXXX. XXXX XXXX XXXX XXXX acct # XXXX. XXXX XXXX XXXX acct # XXXX
Product: Debt collection

XXXX enables identity theft and fraud by failing to take steps to verifies subscribers identity when installing services. XXXX prefers to report debt to credit bureaus, even after evidence is provided of the fraud and the process that XXXX lays out is followed. 

In XXXX of XXXX, I became aware of several fraudulent accounts on my credit reports after doing a credit check. I reported the fraud to the FTC, contacted each company that reported a debt and attempted to gather information on how each account was opened. One of the companies was XXXX. A debt of {$1000.00} was reported by XXXX XXXXXXXX XXXX XXXXXXXX, which is a collection agency for XXXX. After explaining the circumstance and following XXXX 's process of reporting, XXXX still refused to remove the derogatory form my credit file. I filed a dispute with the credit bureaus in XXXX of XXXX and after an investigation all the fraudulent accounts were removed including XXXX. 

In XXXX of XXXX, XXXX reported through XXXX XXXX XXXX the same debt and I again disputed with the credit bureaus and the derogatory information was deleted. In XXXX of XXXX XXXX again reported the same debt through Radius Global Solutions and I am disputing this again. 

XXXX should be held accountable for failing to prevent fraudulent accounts and continuing to harass consumers with fraudulent debt reporting. There should be a regulation that requires XXXX to validate the identity of its customers at the time of installation of services, this will prevent future instances of fraud.
Product: Credit card

I purchased a XXXX security system back in 2020 and through XXXX, a line of credit was opened with Fortiva to purchase the cameras at XXXX XXXX APR. I was notified last week that my XXXX XXXX had dropped, and after looking into it found that my Fortiva line of credit was closed and a credit card had been opened in my name with them instead, which was not authorized by me. 

This dropped my average age of accounts by XXXX  months for a credit card that I had no knowledge of and did not approve. I called Fortiva to figure out how and why this happened and after telling them that I was recording the call for legal purposes I was informed that I can not record calls and they could not assist me.
Product: Credit reporting

I received credit information regarding a background screening results for pre-employment. XXXX Mortgage XXXX has placed on my credit report that I have a XXXX lien mortgage agreement with them. XXXX indicates on my credit report that I opened an account with them on XXXX/XXXX/XXXX. I DID NOT sign a XXXX lien mortgage agreement with them. According to XXXX I have a XXXX lien mortgage that totaled {$90000.00} and I have a balance of {$62000.00} and I owe a past due amount of {$28000.00}. On my credit report XXXX indicates that in the prior 15 months I was 120 days late XXXX times. ( Due the math ). XXXX indicates on my credit report that I signed a XXXX lien mortgage to pay them {$680.00} for 120 months ( 10 yrs ). According to the credit report, I stopped making payments from XXXX XXXX so as a result it looks like I have made regular payments of {$680.00} for the past 12 yrs ( XXXX/XXXX/XXXX ) which totals my payments to XXXX to be {$99000.00}. Which I haveNOT. XXXX reports on my credit report that I stopped making payments as of XXXX XXXX. Since this was my last payment with XXXX I would like to review any payment records and my cancelled checks up to XXXX XXXX. According to XXXX as of XXXX/XXXX/XXXX I am 120 days past due. I had a XXXX lien mortgage with XXXX in XXXX on XXXX address and I had a XXXX lien mortgage with XXXX XXXX in XXXX on another address. XXXX resulted in foreclosures in XXXX and XXXX. In my opinion, I believe XXXX XXXX would not have allowed me to purchase another home in XXXX with a XXXX lien mortgage on my credit report with XXXX. At the time of that XXXX purchase I had a credit score of XXXX. Please investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to complain about incorrect credit information which is appearing on my XXXX   credit report for a bank of america credit account. 

Bank of America on XX/XX/2020 reported my account as 30 days late to XXXX. This update flagged my account negatively and brought my score down by 45 points. 
I worked with bank of america to resolve the issue and have then correct it at their end ( I have a letter from Bank of America which confirms the correction ) .However the department within bank of america which communicates with credit bureaus has not corrected the information on their end and is still relaying older, incorrect information related to my account to XXXX. 

I also worked with XXXX to rectify this error by providing them supporting documentation from the bank but XXXX  needed additional confirmation from bank of america to remove deliquency and bank of america 's internal systems have not been appropiately synched and updated all the way through to reflect this error. 

I have been thrown in circles by both of these companies- XXXX and bank of america credit reporting department . Bank of america, on each call confirms that from their end the account is current and has never been late however bank of america 's credit reporting department which interacts drectly with the credit bureaus has been providing XXXX  information that account was 30 days past due in XX/XX/2020. 
This is a pure example of missing links in the process which bank of america uses to update and make changes to credit bureau reporting as well as inefficiencies of credit bureau to be able to accurately verify information with banks. 

I am not sure which company 's process is broken but I am victim of this broken dysfunctional process which has negatively affected me and is hindering me to move forward in my home buying process. 

I would like to request XXXX  to remove 30 day deliquency attached to my bank of america credit account and also appropiately update my score back. The day deliquency was posted, my score dropped by 45 points and I am hoping that it will be reverted. 

Looking forward to a resolve, I will be ahppy to provide any supporting documentation needed. 

Thanks