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

I am a paid member of XXXX, XXXX, and XXXX  and was able to screenshot multiple inaccuracies on my 3 credit reports of several negative items that do not match one another in listed balance, dates of alleged late payments, and/or authorization. I am challenging these negative items appearing on my XXXX  report, I want them removed from my credit reports immediately. I have disputed thought the 3 bureaus and 2 have not listed the items as under investigation in over 30 days, violating the Credit Repair Act. I am not able to secure housing for my wife and kids during COVID as a result of these negative items appearing in a credit check for any home rental company 's applications. Please help us. 

1. XXXX  XXXX Acct - Dates do not match XXXX, Unauthorized, Company in class action lawsuits for illegal activity. 
2. XXXX XXXX - Dates do Not match XXXX, Company in Class Action Lawsuits for illegal activity. 
3. XXXX  XXXX XXXX XXXX - Dates do not match XXXX, balance incorrect 4. XXXX  XXXX XXXX XXXX - Dates Do not match XXXX, balance incorrect 5. XXXX  XXXX XXXX XXXX - Dates do not match XXXX, balance incorrect 6. XXXX  XXXX XXXX XXXX - does match XXXX  XXXX, unauthorized, unknown. 
7. XXXX  XXXX - Insufficient information, does match XXXXXXXX XXXX XXXX XXXX unauthorized, unknown 8.XXXX Mobiloans XXXX Original Creditor Not listed, Terms Not listed, No payments have been reported on this account, Highest balance significantly exceeds credit limit. Unauthorized, Class Action Lawsuits for company-recent Settlements of {$860.00} million for illegal activity. 

Hard Inquiries XXXX  : XXXX XXXX XXXXXX/XX/21 XXXX  XXXX  XXXX XX/XX/21 XXXX  Hard Inquiries XXXX  : XXXX XXXX XX/XX/21 XXXX  XXXX  XXXX XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX XXXX XX/XX/21 XXXX XXXX XXXXXX/XX/21 XXXX : XXXX XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX XXXX XXXX XXXXXX/XX/21 IXXXX XXXX XXXX XXXX XXXXXX/XX/21
Product: Credit card

I was a previous member of Costco while the primary card was still XXXX XXXX. I cancelled my Costco membership in XXXX 2016 and constantly checked my XXXX XXXX account to make sure that there was no remaining balance. I was unaware that my balance would be switched over to CitiBank and now I have accrued multiple late fees and interest which has also had a detrimental affect on my credit. I have never missed a single payment to Costco nor XXXX or any other credit card prior to this incident. If I was aware of the switch over of my balance to CitiBank I would have paid it off. I will gladly pay off the original amount I owe, but it is unacceptable to not be able to remove the accrued interest and fees. The CitiBank representative that I spoke to was XXXX, ID : XXXX. I am not okay with the service that was provided and I expect Costco and CitiBank to resolve this issue.
Product: Debt collection

I do not have any outstanding medical claims with any company. This is not my account.
Product: Credit card

Bank XXXX XXXX AAA credit card was taken over by Comenity Capital Bank in XX/XX/XXXX. At the time my account had a credit of {$130.00} ( attachment page 1, 2 ). A check of {$130.00} dated XX/XX/XXXX was issued ( attachment page 3 ).

Unfortunately, due to postal delay, I did not receive this check until XX/XX/XXXX. I went to XXXX XXXX XXXX and they told me that this check has past its validity of 120 days, I needed to request Comenity Capital Bank to re-issue a check. 
I wrote, explained the situation and attached copies of the credit card statements along with the invalid, in-cashable check. They replied and promised to investigate ( attachment page 4 ). 
Comenity Capital Bank replied on XX/XX/XXXX ( attachment page 5 ). They declined to re-issue the check and stated the purchase was paid in full at the time. I wrote to Comenity Capital Bank and explain that it is not about a disputed purchase, it is a check past its validity date. I asked again for a new check. 
To this date, I have not had a reply. 
Please help me to remedy the situation. Thank you.
Product: Checking or savings account

On or about XXXX XXXX, I attempted to deposit 68 XXXX series savings bonds into an existing account at M & T bank in XXXX, DE. I was informed by the branch the bonds had to be sent to their main branch for processing. Long story short, after two weeks and being told they were still being processed, I received a call stating the bank no longer processes bonds. Even though the bonds were not processed, the bank stamped them and now the bonds can not be cashed by another bank. In order to cash them, the original bank needs to send me a letter giving the treasury permission to cancel the stamp in addition to submitting a special form to the treasury and now mailing them into the treasury.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 DPT EDXXXX Account Number : XXXX Delete this account. 
6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DPT EDXXXX Account Number : XXXX Delete this account. 
7. there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Delete this account. 
8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 DPT ED/XXXX Account Number : XXXX Delete this account. 
9. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DPT EDXXXX Account Number : XXXX Please remove this non-compliant account from my credit report per FCRA and FCBA 10. there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Delete this account. 
11. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX DPT EDXXXX Account Number : XXXX Delete this account. 
12. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DPT EDXXXX Account Number : XXXX Delete this account. 
13. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX DPT EDXXXX Account Number : XXXX Delete this account. 
14. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DPT EDXXXX Account Number : XXXX Delete this account. 
15. there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulently accounts on my credit report. Please remove these accounts, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX or/and XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company Capital One. I did not open or authorize this account. Even though it has a XXXX balance this account was not opened by or used by myself. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and is inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the FairCredit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.
Product: Mortgage

I have contacted the company XXXX times requesting that they send me somehow a statement of the taxes and interest payment on my mortgage from XXXX. The first two attempts to get this information occurred before XX/XX/XXXX. I dont have the dates when I called them because I just simply trusted that they would follow through on my request. at some points, I spent XXXX hours on the phone with their representatives, trying to work through the system to get a simple statement that I never received. I explain to them that I have difficulty that there are problems with and that there are constant issues with mail delivery in the city where I live. I receive mail that is supposed to be delivered to other parts of town on a regular basis. I am assuming if they sent the statement to me that it was delivered to some other address that never sent it on to me. There has never been a problem with this account because I have adequate funds to pay my mortgage and payments are deducted directly from my checking account. I just want the statement that never reached me. I also explain to them that I can not file my XXXX taxes without this information. Thank you.
Product: Checking or savings account

Dates from XXXX to present day XX/XX/XXXX there were multiple occasions over the years that I received an overdraft fee from Navy Federal. The exact amount of these overdrafts is unknown since its been years.
Product: Checking or savings account

I have been charged 3 times overdraft fees for insufficient funds. I get the alerts a day after the fees have hit. Both alerts have been text and emails which have been a day or 2 late. Bank states that it's my fault that I should have paid more attention to account. Why have alerts yo help me when the alerts dont really help. I would have transferred funds from another account if I knew.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Experian did not remove all inquiries that was not affiliated with my open accounts I provided police report that clearly states that I was an victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

This being my last result before the court system is involved. I demand that the following inaccuracies be removed and or corrected on my consumer report. I had no idea that the credit reporting agencies were actually acting in a manner that I did not authorize or give my consent. Pursuant 115 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer I require everything listed in this complaint is removed/deleted/corrected immediately. This is my complaint and I have completed this on my own for myself. 
XXXX XXXX, XXXX XXXX ( late payment XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX late payment ), XXXX XXXX XXXX, AL XXXX ( remove address ), remove all of the following unauthorized hard inquiries XXXX, XXXXXXXX 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: Debt collection

In XX/XX/XXXX I received a call from Critical Resolution Mediation LLC. I had an old XXXX card from XXXX. I settled with them at {$890.00} per month for 3 months. In XXXX I received a notice from Indiana Court I was being sued for this debt. I checked my bank account and nothing was pulled. I contacted XXXX  XXXX  XXXX about this and explained I had made arrangements for this to be settled, what should I do? The attorney I spoke with said he was going to sue me for {$8200.00}, I said the last I knew the original balance was about XXXX and some change. ( I'm not sure the debt was from XXXX ). I hung up on him, he was determined to get the {$8200.00} and nothing else. I then called Critical Resolution Mediation LLC back, and spoke to XXXX XXXX the person who this was initiated with. He said he didn't know why the funds were not pulled, but if I could add an additional XXXX then he could pull this out of legal, and it would be paid. I had to pay the whole amount at that time, actually had to take it to the XXXX bank and deposit it into the account, ( I checked the teller before depositing to make sure the account is what he said it was ). I received a settlement letter in my email. I knew there was a court date pending, and since I never received anything else from the courts I thought it was all taken care of. On XX/XX/19 I  received a judgement from the courts saying this attorney went ahead and sued, and was awarded a judgement to garnish my wages. I'm at a loss, I have all my documents except the XXXX statements. Please tell me what I can do.
Product: Checking or savings account

XX/XX/year> did not receive two of my direct deposits today. Confirmed with capital one they are having technical difficulties with their direct deposit system with no timeline when it would be corrected. The amount that is due to be deposited is close to {$4000.00}.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Credit card

My credit card payment of {$99.00} was due XX/XX/XXXX. I logged into my account on XX/XX/XXXX to make a payment. This company stops all payments at XXXX XXXX, I logged into my account at about XXXX CT so that was after their cutoff time. That cutoff time is crazy. I made my payment on XX/XX/XXXX and all credit card companies should honor that payment on that day. This credit card company should honor my payment and not give me a {$40.00} late fee for my payment that was made on the day it was due. It is ridiculous to think they get my payment but then steal {$40.00} from me. {$40.00} to me is like a {$1000.00}. They should be made to honor all payments that are made that day. Now they get {$40.00} from me which now causes them to collect even more interest from me and makes it harder for me to pay down the debt. So they lock me in to them and strangle me more. I'm paying them and they should not make it hard to pay down the debt. Totally unfair. Also, they did not notify me of suspicious charges on my account so they were collecting interest off of {$150.00} worth of fraudulent charges on my account which XXXX  me even more. At minimum they should at least refund my late fee instead of fleece me. They fleece all customers on interest and fees which is shame especially when i make the payment on the due date. the day does not end at XXXX ET. The day ends at XXXX  and XXXX is not XXXX
Product: Mortgage

My mortgage statement erroneously reflects a deferred balance of {$13000.00} after a mortgage reinstatement of {$42000.00} was paid in full. This amount was good through XXXXXXXX XXXX. My current mortgage servicer is not providing me a complete history of the loan, despite several requests. My current mortgage servicer or predecessor failed to provide an accurate reinstatement figure which my attorney requested on XX/XX/2011. The servicer failed to provide me any written agreement in which I agreed to defer any balance since timely reinstating the loan. 

An amount of {$13000.00} was deferred to the end of my maturity date in one lump sum as stated by Select Portfolio Servicing ( SPS ), per the previous servicer XXXX XXXX XXXX ( XXXX ). In SPS response letters I have gotten no explanations or proof of this amount being actually owed other than SPS claiming the deferred balance is a separate amount owed from an interest bearing balance. Many other assumptions were given to me via phone calls by multiple representatives. Through Appeal letters, Qualified Written Request, Error Resolution Notice and other communications my servicer continues to deprive me of the information requested. Copies of mortgage reinstatement letter provided by XXXX XXXX, letter of apology from XXXX regarding conflicting information and Motions to Compel Compliance with settlement and Motion for Sanctions were submitted to SPS for review.
Product: Debt collection

Collection company " Convergence '' called me at XXXX, XXXX and XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Collection Agencys Name and Address MIDLAND CREDIT MANAGEMENT INC Dear Sir/Madam : I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act.

I am disputing this debt because I do not owe it.

Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report infor- mation correctly, violates the Fair Credit Reporting Act.

Finally, please note that I do not

wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ).

Thank you for your attention to this matter.

Sincerely,
Product: Checking or savings account

I had applied to a couple of jobs 2 weeks ago and I recieved a text message from the phone number XXXX saying " Hello, Good Day, I hope this message finds you in good health. Im Mr. XXXX XXXX from the company " XXXX holding ag '' your resume which was reviewed by the company 's talent acquisition team, will be paid XXXX per hour during working hours, I believe you will be ready to know more? '' they gave me an interview through XXXX  and mentioned that I got hired, they told me that I needed a few equipment to start working on that following Monday and they were going to provide me with the equipment by sending me check, I received the check the next day of XXXX dollars deposited into my Chase bank account while doing all this I was keeping contact with them via XXXX  messages, I have all the evidence and paperwork they had sent me to sign them and emailed it back to them like 3 days later the check still wasn't deposited so I called my bank they told me they were verifying the check the lady I spoke with called another department to see if it was verified at the end of the call she told me that they verified and that there was nothing wrong with the check it didn't seem fake or anything like that so the amount was already in my account so I send them the money they asked me for through XXXX which I have the email of the persons I send the money too I sent XXXX in total to them and XXXX of those was through a visa card the 3 emails I sent it to are XXXX ( XXXX XXXX ) registered as " XXXX '', XXXX ( XXXX XXXX ) registered as " Rainal '' and XXXX Registered as " XXXX '' they also got my social security number two days afterwards I log into my bank account my bank account was and is negative XXXX dollars so I called my bank and they told me the check was fake and that I had to pay the amount negative in the account because I send the money voluntary without knowing it was a fraud job and when I went to speak back to the person he had blocked me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft, I have requested that this be removed from my account over the last 6 months, I called equifax spoke to a supervisor and was advised that the only way to have these items removed are to make a complaint because that is the onky way that they will remove these items. I feel as if that is horrible to treat someone who is alreasy going thru something like this in that way.