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

I called the creditor and this credit has been payed since may however still reporting i have requested and sent 3 certified letters addressing this and no action has been taken The account XXXX XXXX XXXX associated with the number XXXX is inaccurately reporting a rating of CollectionOrChargeOff on my credit report. As a consumer, I have the right to dispute any inaccurate information, and I hereby demand the immediate deletion of this account. Upon reviewing my credit report, I noted that the account is reported as opened on XXXX and shows a date of last activity as XXXX. These details are inaccurate and must be corrected without delay. 
Additionally, the report lists a last verified date of XXXX. As per the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), you are required to provide me with the specific information and methods used to verify the accuracy of this account. I also demand documented proof of the claimed balance of {$430.00}, which I firmly dispute. 
In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), the courts emphasized the responsibility of credit reporting agencies to verify disputed information thoroughly. Similarly, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reinforced that inaccurate or unverifiable information must be removed. Lastly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX further establishes that consumer reports must be accurate and complete. I trust you will comply with these legal standards and promptly address this d
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 'm looking forward to the deletion of the following items in my file ASAP. Thank you. 
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: Bank account or service

The interest on my Synchrony Bank Walmart credit card went up without any notice. The banks that own credit cards want to be able to do anything they want to their customers, hiking up the interest rates, since theyre variable.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Number : XXXX
Product: Debt collection

My situation is very sad. 

I arrived in the U.S. a few years ago and just a few years ago I got my social security.

They are deliberately placing a debt of over {$40000.00} on my credit that is not mine for something rented. 

How can this be possible, when I barely have my social security to be able to responsibly work here in the United States. 

This XXXX XXXX XXXX with an account number of XXXX are deceiving me by placing this debt on my credit when it is not mine. 

I CHOOSE NOT TO BE DECEIVED AND TO BE PROTECTED BY THE SYSTEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loans with Navient and XXXX  reporting negative that was always kept in forbearance or Deferrment but continue to report multiple past due amounts ( hindering my home buying process ). Also bringing credit up and down because continuously taking balances down then up again causing serious drops in my scores.Also the timeframe of these loans they should no longer be reporting on my reports.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX account XXXX im a victim of identity theft..I was incarcerated the time this account was open I have all the supporting documents far as police report, verification of release from my probation and verification of release from police station ..I ask that these things be removed off my credit file they are causing pain and suffering I come home from jail and these things are effecting me ..I ask that these things be removed within a timely manner..I want to get this handled in a professional matter, this is a major lawsuit this is violating my rights and I will be forced to take legal actions please can we get this resolved without having to take the next step which is court I believe a family opened up this account because my documents came up missing while I was locked upthank you god bless
Product: Debt collection

I am writing regarding the above-referenced account. Under 15 U.S. Code 1692c of the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that you cease all communication with me regarding this debt, except as permitted by law.

Under 1692c, debt collectors must respect a consumers request to cease communication. Therefore, I demand that you immediately stop all communication regarding this account unless : You confirm that no further collection efforts will be made, You notify me of specific actions you intend to take, such as filing a lawsuit, or You provide legal notice as required by law.

Please note, this letter does not constitute acknowledgment of the debts validity. If you believe this debt is legitimate, I request full validation under 15 U.S. Code 1692g ( b ), including documentation to verify the debt and your authority to collect it.

Failure to comply with this cease-and-desist request may result in my filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) , the Federal Trade Commission ( FTC ) , and the Georgia Attorney Generals office for violations of the FDCPA. 
Thank you for your prompt attention to this matter. I expect written confirmation of your receipt of this letter and your intention to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft when I was XXXX. My personal information was used to get credit cards. I have tried to fix this numerous times, but Transunion still hasn't removed these accounts. They know I was underage but do nothing about it I have spoken to many people. They are not doing the correct dispute and following the FCRA This is the company : XXXX XXXX XXXX There are three accounts with them
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXT XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX & CO XXXX XXXXR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX DC XX/XX/XXXX XXXX XXXX
Product: Mortgage

We were making regular payments to Citibank for a HELOC. 
Payments were automated using our bank 's online bill pay system. 
Payments were made every month, on time. 
However, Citibank changed the amount without informing us. 
Then they reported a late payment on the account which severely affected our credit. 
Be the time we were notified, Citibank already reported a late payment the the credit agencies. 
We immediately corrected the amount and brought the account up to date and then asked Citibank to remove the credit report since they did not notify us of the changes in time. 
They denied our request. Our credit score suffered because of this miscommunication.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled this account and the company I settled it through said they would allow me to dispute it off of my report after settling, but when I tried to dispuyebit experience instantly responded amd said the investigation was complete and I am seeing no updates, please help.
Product: Credit card or prepaid card

I had a HBSC credit card ending in XXXX that had a XXXX balance. We got a statement for charges from XXXX and call the fraud department. HBSC refunded the charges and told us that the balance was back at XXXX. The next month came and the charges were still showing. We called them back again and stated that we did not own and were told that they were canceling the account and we did not owe anything. Well, this month we got hit on our credit report saying that we have a delinquent payment for HBSC charges. When we called them on XX/XX/21, the guy names XXXX stated that we were refunded the fraudulent charges but they keep the finance charges from the fraudulent changes and has accrued late fees to the tune of {$99.00}. They also told us they opened a new account and transferred this balance to a card that ended in XXXX. We told him this was not acceptable and wanted to speak to his supervisor. He would not allow us to talk to his supervisor and hang up on us when we asked for his employee number as we were making a fraud report. This is a fraud as we have talked to HBSC on 5 different occasions to get this corrected. They want to charge finance charges and late fees on fake charges.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX BANK - XXXX XXXX XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

Our closing date was originally scheduled for XX/XX/XXXX but we never received the clear to close from XXXX XXXX. We and multiple individuals on our behalf have been trying to receive an answer on what is delaying this process for the past 5 days and no one will return our calls.
Product: Credit reporting

I had an account listed on my credit report as not being paid for a radiology group. I just found out that the bill was paid in XXXX and it should not have been on my credit report as unpaid. The XXXX XXXX called the credit bureau in regards to this account having already been reported as paid and to take the charge off. I believe this has caused me to incur higher interest rates than if it had not been on my credit report. How can I go about changing this to look like it was n't just paid but should have never been on the report to begin with?
Product: Checking or savings account

This complaint is in response to lack of recourse from an ATM deposit made on XX/XX/XXXX in the amount of {$1900.00}. A deduction in the same amount was made on XX/XX/XXXX. Furthermore, a overdraft fee was levied on XX/XX/XXXX in the amount of {$35.00} and a maintenance fee of {$15.00} was levied XX/XX/XXXX. 

This incident is a repeat occurrence from a deposit back on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Experian, XXXX, and XXXX authorities about the possibility of fraudulent accounts being opened using my customer information. I begged everyone to delete these accounts since I had no idea how they got there. All three companies advised me on how to keep track of things and fill out an FTC form. I submitted my information on XX/XX/XXXX. Even though I had sent my letters more than 30 days ago, the accounts that weren't mine were still shown in my documentation since they had been " confirmed. '' This issue frightens and bothers me since it makes it impossible for my family and I to purchase a home. On XX/XX/XXXX, I called the XXXX businesses again to inquire about how they could verify that these accounts belonged to me. They advised me to contact the debt collectors directly because they were unable to assist me further. Every bank that the client called and left a message with had been dialed improperly ; they had no idea who I was or what the accounts were about. I checked the internet to make sure I hadn't made a mistake. My friends recommended me to go to the CFPB website. I'm hopeful this will work because my family and I are eager to buy the house we've been looking for.
Product: Credit card

There was over {$4500.00} in fradulent changes made on my credit card without my knowledge. The credit card company, BacklayCard, changed my address to XXXX XXXX XXXX, XXXX, MA without my authorization so I was n't aware of these changes. I never lived at this address so they should n't have changed my address. 

I was contacted by a collections agency several months later trying to recover the funds. At the time I let them now these are fraudulent changes and asked them to to put me in touch with the credit card company ( when I call directly I get automatically transferred to the collection agency. ) They refused but said they would let the credit card company know and they would contact me directly within the next XXXX days. A month later I was contacted by a different credit collections company. I told them the same thing and they refused to put me in contact the credit card company unless I had a police report. I filed police report and faxed them a copy. However I just checked my credit report and these charges are still showing as past due. This is now preventing me from getting a car loan because it 's significantly impacting my credit score. I could use some help getting this resolved asap. 

In summary, I did not make these and the bill was sent to the wrong address without my authorization so I was n't aware of the charges. Now the credit card company wo n't speak with me and they keep sending me directly to a collection agency. I filed a police reporting regarding the incident and faxed it to the collections agency but the charges are still showing past due and it 's significantly impacting my credit score. I do n't know who to send this to at BarclaysCard to get these charges removed and my credit score repaired asap. 

Thanks for your help!
Product: Vehicle loan or lease

My issue is with Fifth Third Bank. Account ending in XXXX. It is a car loan. My aggravation lies on the fact that they just make the auto pay feature more difficult than it should be. It's silly. I tell them to set up an auto pay for my loan in which they already have my account info and make payment from, but they will not set it up. It is not their policy, and they tell me to call a number that you can only reach at certain times to set it. Now I have never heard of a loan company do this as far as making a car payment. However, they can authorize a payment in advance on specific dates and multiple dates, but not reoccurring. It's ridiculous. it just a cheap way for them upcharge your loan account additional fees and other penalties at the costumer 's expense. Again, they have my info and I have had to get on the phone with them on a few occasions making the same complaint. I call to try and set this auto pay side of the bank is already closed but yet the customer service center is open till XXXX eastern time.
Product: Mortgage

My servicer Ditech Mortgage put an impound account for property taxes on XX/XX/2016. I was behind in my taxes and i know that this is my responsibility. I made the XX/XX/XXXX payment as per my statement of {$1600.00} and added {$100.00} for the escrow account. XX/XX/2016 I leased a vehicle and discovered that there was a ( 30 ) day late payment on my credit report. I called Ditech and they insisted that the new payment of {$2300.00} was instituted with the XX/XX/XXXX payment, therefore creating a late payment, even though I paid the payment due for {$1600.00} as per the statement. I send letters to them the first time and they insisted that I was wrong. I tried a second time on XXXX to resolve this issue. I was told to make the payment for the XX/XX/XXXX due date, and add the {$690.00} that was not paid in XX/XX/XXXX and they would process the paper work to remove the late payment. I sent a check for {$3000.00} that cleared by bank on XXXX XXXX. When I went to make my payment for XX/XX/XXXX I discovered that Ditech put all of the {$3000.00} towards the escrow account and nothing for the principle and interest payment thus creating another late payment due for XXXX XXXX payment. DiTech has kept the XX/XX/XXXX payment in suspense and has not applied the payment to principle and interest. I find this to be deceitful and possibly illegal. The issues are the XX/XX/XXXX payment that is being held in suspense and the XXXX XXXX payment that was applied in full to the escrow account. I am attaching my communications with them and my cancelled checks and the communications that i have had with them. All payments from XX/XX/XXXX thru the XX/XX/XXXX payments were made on time before the XXXX of each month. not to mention that Ditech has been sending duplicate invoices monthly with conflicting information : I am attaching the XXXX invoices for the XX/XX/XXXX payment dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Note : Even though all of the statements show past due, all payments were made before the XXXX of each month Written responses from Ditech indicated that I would be assigned a representative, However when you call them, you can not get to talk to the person assigned and have to talk to a different person each time. It is important to note that Ditech admits that they had a computer glitch and that was the reason for the mandatory escrow account did not show sooner. Copies of this communication attached including the escrow account history shoiwng the XX/XX/XXXX payment credited to the escrow account and not the principle and interest. Your help with this matter is appreciated. Sincerely, XXXX XXXX XXXX
Product: Credit card

I had purchased a camera from XXXX XXXX, to be specific a XXXX camera XXXX XXXX. I never received the product. After contacting XXXX XXXX an agent had submitted an order for a replacement, I also have that order on my XXXX XXXX app as proof. Within 24 hours the order was canceled. I contacted XXXX XXXX again and an agent told me it had been canceled due to the product being out of stuck but she would submit a request for a refun. After not receiving further communication I contacted XXXX XXXX again & they stated I wouldnt be receiving a refund nor the product. Which is unfair because each agent told me something differently. Now I also tried disputing thru capital one and they denied me. Which makes no sense because I have never had this happen before. Why would I pay for a product I never received? Im a college student its not like I just have that money laying around
Product: Credit reporting

A credit inquiry from Clarity Services Inc. for XXXX XXXX, XXXX is showing on my XXXX credit report. I have made no credit applications in recent history. The CFPB action against Clarity Services Inc in XXXX does not seem to have been effective in altering their illegal behavior.
Product: Credit card

On XX/XX/2023 I called Truist bank to request a new debit card because mine was part of a scam. As of today, XX/XX/XXXX I have yet to receive my new card. I called their XXXX number on the back of my old debit card to see what the issue was and was hung up on. I thought it was just a poor connection with my phone so I called again, it happened again. A total of 6 times this customer service hung up on me! In this situation they were very defensive and I was definitely not being treated as should have been. Highly disappointed
Product: Mortgage

In XX/XX/year>, Amres Corporation colluded with my seller. The collusion altered my loan amount and purchase price of the property. I believe I have been a victim of predatory lending.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am incredibly upset! My underlying reaction to the erroneous thing on my acknowledge report sent as expressed in a previous message on XXXX. Today is XXXX. Ordinarily by law, you should react inside 30 days. During these troublesome occasions, all of you have been given an augmentation which I comprehend. In any case, it has been well over the expansion period given. I have exhorted you on in excess of 3 unique events. I am beginning to accept this is a slow down strategy on you all 's end. I request your organization eliminate this mistake from my credit report or face suit. On the off chance that you don't eliminate this wrong data promptly I will document a formal complete with the FEDERAL TRADE COMMISSION! I am staying aware of the entirety of my records and types of correspondence with you on this issue just if there should be an occurrence of documenting a grievance with the FTC on the off chance that you keep on choosing not to collaborate. In Wenger v. Trans Union Corp., No 95-6445 ( C.D.Cal.Nov. 14, 1995 ), you will be considered answerable for your choice not to not agree. My family and I are being compelled to pay higher loan fees and denied by numerous organizations when attempting to buy essential necessities to get by during this troublesome monetary period. In the event that your next reaction to me isn't a unique application with my mark on it or a letter expressing that the deceptive data that is disregarding the Fair Credit Reporting Act isn't erased I will proceed with my FTC grievance. As shown by the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by government law to affirm, through the real check of the principal stamped purchaser contract, all records that you post on a credit report. Else anyone paying for your itemizing organizations could fax, mail, or email in a bogus record. I interest to see clear proof ( i.e. : a unique purchaser contract with my mark on it ) that you have on the report for the record recorded underneath. 

Your failure to quite check these records has hurt my ability to obtain credit. Under the FCRA, wrong and mysterious data must be erased from a consumer 's credit report.
Product: Credit reporting or other personal consumer reports

Accts dont belong to me, I am a victim of identity theft, I will upload my documents