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

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX Balance : {$2.00}, XXXX XXXX  XXXX Balance XXXX {$4.00}, XXXX XXXX  XXXX XXXX Balance : {$4.00}, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion today regarding my credit report. I saw that on my most recent copy of my credit report that there were a total of 15 fraudulent credit inquiries listed on my credit report from various creditors including credit cards and auto loans. I did not apply for any of these accounts and notified transunion of this. I asked Transunion to place these inquiries under a fraud dispute investigation and was told by the representative on the phone that they can not dispute any credit inquiries on credit reports even if they are related to fraud. Transunion is in violations of the FCRA by not disputing information on my credit report related to identity theft. I am filing a complaint against this company for that very reason. A credit bureau MUST dispute anything on a credit report that is related to fraud or they are in violations of the FCRA. I demand that the following inquiries be disputed on my credit report immediately. XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX   XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX   XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP
Product: Money transfer, virtual currency, or money service

This is a two party complaint against Capital one bank and XXXX XXXX. On XX/XX/2019, I made a {$250.00} transfer from XXXX XXXX  going through XXXX to XXXX XXXX XXXX at Capital One. I was told from XXXX that their was an error in the number but that it had been corrected and the monies was placed in her account on XX/XX/19. I called numerous times to Capital one and my daughter, and XXXX to no avail, no one wants to return the {$250.00} that neither one of us received, putting the blame on the other bank. The money was found but is in limbo and as of today XX/XX/2019, we have still not received the funds. 

Capital One bank General correspondence/complaint XXXX. XXXX  XXXX XXXX XXXX XXXX, UT XXXX CapitalOne.org XXXX XXXX complaint ID XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I review my credit report, I realized that the same accounts were erroneous. The 3 credit Bureaus are required to update these accounts. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Please reinvestigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$80.00}
Product: Credit card or prepaid card

On or around XX/XX/2019, Discover sent me an email for a Promo APR of 1.9% for 9 months on new purchases.  I clicked through the link and got a message that I was enrolled.  Around 5 weeks later, on XX/XX/2019, I received a second email with the same offer.  Immediately after receiving this second email, I sent a message to Discover to ensure that the purchases I made in reliance on the offer from the XX/XX/XXXX date were subject to the promotional offer.  I was told that they did not have a record of me clicking through (which I most certainly did as I advised my mother who I support to make purchases, when she could, with Discover given the promo rate). They said they could not apply it retroactively but that it would apply starting the next day, XX/XX/2019.  Thus, I now have nearly $1,000 in purchases (as I had no previous balance on the card, or it was paid in full every month), for which they should be applying the promotional rate but are not.  Furthermore, Discover does not give any confirmation, other than the screen when you click through, that the rate was applied.  Thus, at no point was I advised, until receiving the second email, that the offer did not go through (when the web page very clearly said it was activated).  This is deceptive and misleading.
Product: Credit reporting or other personal consumer reports

Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer, and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX
Product: Payday loan, title loan, or personal loan

Attempt to make additional principal payment. Additional principal only payment denied. Although it was being made on top of regularly scheduled payment.
Product: Debt collection

XX/XX/year> RA Roger Collection XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX Dear ( RA Roger Collection ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have sent multiple dispute letters to TransUnion regarding inaccurate information on my credit report. Despite providing evidence, XXXX has failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). Specifically : 15 USC 1681e ( b ) : TransUnion has not ensured the maximum possible accuracy of the information in my credit file.

15 USC 1681s-2 : TransUnion has continued to report inaccurate information after I provided notice of disputes.

15 USC 1681i ( 5 ) : TransUnion has reinvestigated and reinserted disputed items without notifying me, as required by law.

15 USC 1681c ( c ) : TransUnion has reported obsolete information that should have been excluded from my credit report. 

Recently, I became aware of the lawsuit filed by the CFPB against TransUnion on XX/XX/year> titled " CFPB Sues XXXX for Sham investigations of Credit Report Errors. '' According to the CFPB, TransUnion has failed to conduct proper investigations and has even reinserted errors on credit reports, which aligns with the issues I've been facing. 
XXXX 's failure to comply with these laws has caused harm to my creditworthiness, limiting my access to credit, employment, and housing opportunities.
Product: Credit reporting or other personal consumer reports

Midland Credit Management placed a ( collections ) on my consumer report without providing disclosure prior to making such report. Midland Credit Management has also violated my rights by making such report without my consent and instructions as it pertains to such report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I reached out to Equifax in regard to multiple inaccurate information that needs to be deleted from my credit report. I sent a letter first class mail via USPS with tracking XXXX. I did not receive a response from your company, nor did I see any updates to my credit report. 

On XX/XX/2020 I decided to reach back out to Equifax because of the incorrect unverified information you are reporting on my behalf which is against the law. A few days passed and I still did not hear back. Imagine looking at your credit report and seeing incorrect information that does not belong to you, it makes you go mad. My second attempt was mailed via USPS certified mail with tracking number XXXX. 

On XX/XX/2020 I reached out again in regard to the same inaccurate information. The letter went out via USPS first class mail with tracking number XXXX. I still have not heard back from your institution and the incorrect information is continuously reported each month. 

On XX/XX/2020 i signed up for a digital credit monitoring service online and after seeing the incorrect information being reported on my behalf i was saddened to my core. I reached back out to Equifax via first class mail with USPS tracking number XXXX. I have not heard back from Equifax. I have asked them to mail me back when they have any updates and i have not received a letter from them. 

Equifax is currently reporting 7 different variation of my name to which 6 are incorrect and the correct name is not listed as a " name '' but an alias.Keep in mind i sent a copy of my passport, ID card, Social Security card to Equifax to update their incorrect information. They have not responded to any of my mail correspondence and it has been well over the thirty-day window of response. I have asked Equifax to remove these unverified, inaccurate, and fraudulent information from my report and they simply wont comply and continue to break the law.
Product: Credit card or prepaid card

Comenity bank has mis-allocated funds paid towards promotional plans. Payment have been applied as purchases, thereby increasing the balances owed higher than the original purchase. I had a plan from XX/XX/XXXX - XX/XX/XXXX. I have paid that in full, but each time I have called and spoken to a representative to have funds specifically allocated to that account, the payments have been applied as purchases rather than a credit to the amount owed. That account is in dispute, but on my statements from XXXX, XXXX and XXXX, payments intended for another promotional plan that was dated XX/XX/XXXX - XX/XX/XXXX were applied to the paid in full account which expired in XXXX ( XXXX on my XXXX statement, and {$260.00} in XXXX. ) The original purchase price was {$960.00}, but the balance now shows as {$1300.00} Comenity Bank stated that I would not have to pay anything towards the disputed amount, but their system has automatically applied that money to the disputed plan and they refuse to move it despite their stated policies. For the account expiring on XX/XX/XXXX, {$260.00} was moved from the funds designated for that and also applied toward the paid account in dispute in XXXX of XXXX. In XXXX, that balance was {$940.00} and in XXXX it shows as {$1200.00}. If I am making large payments every month, how can that be? The statements clearly show purchases instead of payments or credits. They refuse to do anything about it except to dispute the charges. How is one supposed to obtain a correct balance due to these erroneous payment allocations? Further, they had changed their allocation rules in XX/XX/XXXX, so, in essence, they changed my contract during the life of the contract. I need some assistance to resolve this matter. This is not ethical, I believe illegal, and certainly a deceptive practice in order to force the consumer to pay interest on what was originally stated to be an interest-free program. Please see the attachments to illustrate the errors and allocations I have described.
Product: Checking or savings account

I deposited {$50000.00} to a new XXXX checking account in XX/XX/XXXX. I needed a new checking account and they were offering a {$500.00} promotion if you made two direct deposits and had a {$50000.00} balance for 6 months. I made sure to meet all of the requirements, confirmed that I met the requirements on XX/XX/XXXX and am now being told that I do not meet the requirements and that I wo n't be getting the bonus. I have attached a letter they sent me stating that I did indeed meet all of the critieria and that I will be receiving the bonus. I called in yesterday ( XX/XX/XXXX ) and today ( XX/XX/XXXX ) and was first told they had no record of my calls, that letter or anything. After an hour and a half on the phone they finally " found '' it but still said I wo n't be getting it. 

I also uploaded a screen shot of my account showing that I met the qualifications of the promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sir or Madam : To whom it may concern The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I XXXX XXXX XXXX XXXX XXXX XXXX Credit CardXXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX XXXXInquiry from XX/XX/XXXXXXXX XXXX Closed : XX/XX/XXXXXXXX XXXX XXXX Closed :XX/XX/XXXXXXXX XXXX Closed : XX/XX/XXXX $ XXXX XXXX XXXX XXXX - XXXX XXXXNeeds Attention Last reported : XX/XX/XXXXXXXX XXXXNeeds Attention Last reported : XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX XXXX ss XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Mortgage

When I received my Annual Escrow Account Disclosure Statement, I discovered that my Hazard Insurance and my City Taxes had increase, which totaled approximately {$900.00}. This obviously meant that my monthly escrow payment would increase. In reviewing the statement closer, I also discovered that my hazard insurance had been paid twice during XXXX fiscal year, essentially eating up my entire escrow and taking me into the red. 

Further, I have been told by several representatives that my hazard insurance was {$800.00} last year and essentially that amount was what was slated to paid. My hazard insurance payment has never been less than {$1000.00} since XX/XX/XXXX. In XX/XX/XXXX, prior to the last years yearly analysis, the amount of the insurance increased to {$1700.00}. When I asked why there was only {$800.00} slated for my insurance, I was told because that was how much the bill was last year. Clearly, it was not ( please see attached ). These errors have cause a {$400.00} mortgage increase, as I have arrearages, as well as an additional cost to cover the increase in my taxes and insurance. 

After attempting to get to the bottom of this issue and come up with a resolution ( as I can not afford a {$400.00} mortgage increase ). I reached to Huntington Bank on XXXX occasions between XX/XX/XXXX and XX/XX/XXXX : XX/XX/XXXX ( this date is approximate ), XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Eventually, I was told I needed to speak to the Escrow Escalation department and was transferred. I left a messages on XX/XX/XXXX and XX/XX/XXXX because when I was transferred the call went straight to voicemail on both occasions. I left my name, contact information, and loan number the first time and then added the property address the second time. I have yet to receive a return call. Clearly, the individuals handing my escrow account fail to pay attention to basic billing and I should not have to pay the consequences of someone elses foul up. My payment was due on the XX/XX/XXXX and the longer this issue lingers on, the more likely I am to be late on my mortgage payment, which I never have. I also think its unfair that my credit has been affected as the arrearage was added to my loan amount.
Product: Credit reporting or other personal consumer reports

XXXX is no longer a loan servicing company and it's still being reported on all three of my credit reports. Also, my loans have always been in forbearance, and it never reflected that on my credit report. 
My loan is not being reported by the new server and that information is not accurate because I pay what I am supposed to be paying and that with XXXX. 

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers are required to ensure that only accurate and verifiable information is reported. The following inaccuracies require immediate correction : XXXX no longer services my student loans My loans were consolidated, and XXXX is no longer the rightful servicer. 
XXXXXXXX XXXX continued reporting is unauthorized and inaccurate Since my loans were consolidated, XXXX has no valid claim to continue reporting on my credit file. 
My loans were in forbearance prior to consolidation The negative reporting does not reflect the correct status of my loans before they were consolidated. 
Under the FCRA ( 15 U.S.C. 1681i ), I am requesting the immediate removal of this inaccurate account from my credit report. Please conduct a full investigation and provide me with : Verification that XXXX has the legal authority to continue reporting this account. 
Documentation showing that my loans were not in forbearance before consolidation. 
The method and findings of your investigation. 
If you can not verify the accuracy of this information within 30 days, I request that this account be permanently deleted from my credit report per the FCRA. 

Additionally, please provide me with a corrected copy of my credit report once this dispute is resolved.
Product: Debt collection

ECMC has been reporting to credit bureaus that I've been paying them since XXXX. Not only do I not have any sort of contract with ECMC, but I have not been paying ECMC since XXXX. 

On many occassions they have been asked for evidence, but they continually violate the laws, rules and regulations that require them to provide evidence that I payed them, or that I ever had a contract with them in any shape, form, or fashion. 

They are clearly operating in dishonesty, and erroneous illegal practices.
Product: Credit reporting or other personal consumer reports

Lenders are not able to pull my Equifax report. Multiple have tried. And they all get a pop up saying information from your inquiry has identified by the consumer as fraudulent and therefore credit report is not available. I have tried calling with no answer. I have submitted all documentation online at least twice to have my last name changed from my old last name to my new last name thinking that may be the issue. Nothing has been taken care of or corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm on autopay for a closed credit card with XXXX XXXX XXXX and they reported me late in error.
Product: Debt collection

I have sent numerous correspondence requesting documentation of debt owed. I have no knowledge of this account being opened as it is not mine.
Product: Debt collection

I DO NOT KNOW WHY THESE XXXX KEEP TRYING TO CONTACT ME AFTER TELLING THEM THEY MUST STOP! THEY DO NOT HAVE EVEN A REASON TO CALL ME BUT THEY STILL KEEP TRYING!!! 
STOP THEM AND PUNISH THEM WITH ALL THE LAWS THAT APPLIES TO THIS SITUATION!!! 

XXXX XXXX XXXX, a debt collector. 
XXXX XXXX XXXX, XXXX, DE, XXXX I AM REPORTING THEM TO ALL LAW ENFORCEMENT AGENCIES POSSIBLE!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Want to freeze my credit reports - had no trouble with XXXX XXXX and XXXX - but EQUIFAX is IMPOSSIBLE. 
After input all the information in their website and force to create an account with them, and answer the identity questions, a box comes up and says " Please give us a call We can't complete your request at this time. 
Please call the Customer Care team '' and gives a phone number of XXXX. 
Calling this number is futile : I have tried FIVE times. They put you in a recording loop, tell you that you can do it online ( which is untrue ), offer to call you back by pressing '1 ', and if they do in fact call back it's like a robocall that says " your client is on the line. press 1 to connect '' without any identification of who is calling - so I of course did not press '1 ' When calling the 888 #, after leaving you on hold in excess of 30 minutes, the recorded loop stops, and then goes to a fast busy signal. 
THIS COMPANY SHOULD BE BANNED FROM  COLLECTING/STORING PERSONAL INFORMATION unless a consumer OPTS-IN.