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

I had XXXX XXXX credit card that I closed in XXXX. I just check my credit report recently and it is showing as a negative mark on my credit. I have called the credit card company and they show my account was paid and is good standing but the late payment errors are still showing up on my credit report. This is affecting my credit and I would like this resolved immediately. I called XXXX XXXX but they said that it was an error and there records show that I am in good standing but they can not help me resolve it. They told me to contact the credit bureaus to have them adjust it. So basically they have been no help and have done nothing to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

They did not accurately verify that my XXXX account was in fact closed. I have disputed twice and they still have not updated the information and removed it from my report. They are inaccurately reporting repossession on my XXXX account even with payment history documents attached.
Product: Debt collection

We had contacted Southern Management Systems multiple times to try and settle a debt and the case manager gets mad at us and starts XXXX us out demanding we give her her money now.
Product: Checking or savings account

I was sent a check from someone online of XXXX and took a picture of what was sent and later on the amount was taken from my account and caused my account to decline I cant access it along with my parents cards declining.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXXXXXX XXXX XXXXXXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXXXXXX XXXX XXXXXXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXXXXXX XXXX XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXXXX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report
Product: Mortgage

Wells Fargo invited us to take advantage of the Home Affordable Refinance Program in XXXX 2015. We applied to refinance at a lower rate. My credit score is XXXX and income more than qualify for a refinance with no additional money requested. I 've been with WF since they bought Wachovia and do all my banking with them. We did not ask for additional money, just a lower rate on our current small loan. During the process, WF called my government client so many times that the client complained. We gave all the documents requested. In the last stage, they came back and asked for a XXXX for rental property because they wanted to know why we had a loss. What does that have to do with a lower rate? We did not submit it. Much later we got a survey request from WF asking us to be honest and tell them why we did not proceed with the application. I wrote the same to them and now more than a month later - Nothing from WF. What is the point of asking if nothing is being done or even said?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX Account number XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

On XX/XX/2018, my sister sent me a recorded voicemail addressed to me regarding a civil complaint that was to be sent out as a court summons. The message was threatening and I was surprised as to why and how it was sent to my sister. XXXX XXXX, a local process server, left me this message with a contact number which I called immediately which is XXXX. I was told that I had a XXXX XXXX debt. At the time, I did have the mentioned debt but it was already being handled with a legitimate creditor. That day I made an inital payment via debit card of {$430.00}. For the next five months ( XXXX ), {$170.00} was automatically deducted from my card. Yesterday, I stopped future payment with the companys billing services ( XXXX  ) and also contacted my bank to stop any deductions as well. Yesterday, I got a voicemail from XXXX XXXX, a lead paralegal of the firm. Her number is XXXX. The past two days Ive tried to contact her but I only get her voicemail. There is also a possibility that they reported my refusal to pay remaining balance to credit agencies. My score suddenly dropped 5 points immediately.
Product: Credit reporting or other personal consumer reports

I have an account that was placed back on my credit report at Equifax credit reporting agency. This is in clear violation of FCRA 611 ( a ) ( 5 ) ( C ), which prohibits the reinsertion of previously disputed items without proper notification and documentation. No such documents was provided to me.Also the account which is XXXXXXXX XXXX account number : XXXX had been removed due to the direct results of a data breach. FCRA section 605B and 15 U.S.C. 1681 ( I ) 7 this account needs to be removed in four days.Also I have unauthorized inquiries that appears on my credit report that I had addressed in a dispute resulting from the data breaches and they will not remove and they are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. FCRA section 604 ( c ) inquiries made without my explicit authorization violate federal law. Also, FCRA section 605B which protects consumers against fraudulent accounts caused by identity theft or a data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have my XXXX  credit report from XXXX 2020. It shows the list of accounts that were deleted, yet the other bureaus were not updated. I made contact with the creditors to ask for a deletion letter to be sent to the other bureaus. The gave me the complete run around. They do not have the correct address or phone number for me, the account number I gave them did not pull up in their system, they had to use my name to find it. I advised this could be why they sent deletion status to XXXX  because when my dispute was received they had no information to pull the account up. The account was NOT verified in their systems. 

Credit Collection Service : Acct # XXXX -- {$110.00} XXXX Spoke to XXXX the supervisor, who advised that a dispute was received and a response was sent to the bureau as invalid.
Product: Debt collection

HI i tried contatcing the credit union that had this issue on my report on them. I written in complants and I disputed it numerous amounts of times. I never was addressed the issue and they never did try to update or fix the problem that I was having .I got a paper sent to my address saying that it has been sent to an attoney and they sent papers the documents on this. It comes from comentity bank and it is XXXX XXXX XXXX XXXX is the number account that is all I can view based on the issue that is presented to me at the time prior to me having XXXX  this issue needs to be resolved I can not XXXX and uses XXXX and can not be bothered in this way and their has not been anything done about this at all just got worse and sent lertters to me. They also never helped me address the situation and get it fixed and removing this off my credit causing it to fall lower and lower durning the breech i was afffectted and my data was hacked I never checked it around the time but these days when I do i can see that it has some shocking items under it that is now mine.
Product: Student loan

Hello. I applied for the 5 year XXXX  loan forgiveness with aidvantage.com and I was denied. They want me to fill out a new form however this is not possible because I have worked at 2 different XXXX  and I do not have access to the previous principal. I provided them with evidence of 5 years of XXXX  at 2 XXXX XXXX XXXX with the signature of each administration. I also signed the section 4 form and dated it. 

My data is supported through my 2 images titled : my data # 1 and my data # 2 which both have the signatures of my admin and one of them has my signature and date.
Product: Credit card or prepaid card

TD Banks also referred to as XXXX XXXX for XXXX XXXX  : 1. Called a year ago after getting late notice and late fee and were told our payment was late but no explanation as to how it was late as my wife pays the bill same amount same time always. They waive the late fee without explaining how it was late. 
2. Fast forward to now and we get a collections notice and 4 late fees that are payment is behind.

3. Call customer service who identifies that the payment has been going to the wrong address for some time, and they forward to the correct address, but still charge late fees.

4. We correct our bill pay address since we did n't know it changed, requested Customer Service or Collections to waive those 4 late charges ( {$39.00} Each ) as the payment was clearly always bill paid on time in the same amount and was in the hands of the company until they forwarded it again therefore making it late. 
5. Request was denied by both customer service and collections even after explaining situations, purchasing a new bed with the same account, and both requests were denied.
Product: Credit card or prepaid card

Please see attached documents for details. Last year I was a victim of a scam by a company and was made to purchase some equipment on my Chase Credit Card and was given an account number to pay off my card. They said I have been added as an authorized user to make the payment from that account. I called Chase Bank to make the payments and the lady confirmed that the payments went through. To be sure I waited for my statement to confirm payment. Once I got the statement stating so I assumed the payments went through I then shipped the equipment. Then I received a letter from the bank saying my account has been closed due to the high amount of purchases. Because of my auto payment there was a credit of {$100.00} for which they sent me a refund check. Now this year after closing my account and sending me statement confirming XXXX balance and sending me a refund check they sent me a letter that I need to make the payments. If the payment did not go through initially, why did their rep confirm it did and why did they send me XXXX balance statements and a refund check. Either it was an error on the reps part for not confirming I am an authorized user, or someone at the bank was a part of the scam who might have put my name there. I had sent a letter and also spoke to someone over the phone and requested them to check what happened, because it was a shortfall in their system or policy that someone can just make a payment using any account number and the rep does not check if the person is authorized to do so and process the payment. And why does the bank send XXXX balance statement to mislead the customer. There has been no response related to this matter from Chase Bank and now they have reported non payment and my credit has been hit because of an error or negligence of their rep and their system.
Product: Credit reporting

I called Experian to have my personal information corrected after I pulled my credit report. I told the agent that I spoke to that there were several addresses being listed on my credit report that were neither mine nor addresses that I have ever resided at. The agent stated that he would not remove nor update incorrect information on my report. I informed the agent that I have lived at the same address for over 13yrs and they addresses that were being reported could not be accurate. I have had the same address listed on my TX Drivers License and with my employer as well. My address has not changed in 13yrs. The agent I dealt with was rude and unwilling to assist me in correcting incorrect information.
Product: Mortgage

Multiple customers have contacted us, XXXX XXXX XXXXXXXX, XXXX, about marketing encouraging them to refinance. On XX/XX/2021, a customer dropped off a marketing piece he assumed was from XXXX XXXX  XXXX, XXXX We do not currently have a direct mail campaign. The marketing is coming from E Mortgage Capital and misleads the consumer into believing we are encouraging them to refinance. The marketing piece uses XXXX XXXX XXXXXXXX multiple times yet names their company only once. There is no E Mortgage Capital company branding, no NMLS # listed for WY, and only a phone contact # for their sales representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following dates indicate late credit card payments on my credit report : - XX/XX/XXXX ( Preparing for XXXX to XXXX ) - XX/XX/XXXX ( XXXX - XXXX ) - XX/XX/XXXX ( XXXX - XXXX ) - XX/XX/XXXX ( XXXX - XXXX ) - XX/XX/XXXX ( XXXX - XXXX ) - XX/XX/XXXX ( Permanent Change of Station - Relocation ) - XX/XX/XXXX ( Permanent Change of Station - Relocation ) - XX/XX/XXXX ( Military Training ) At the time of these late payments in XXXX, I was in the process of deploying/deployed to XXXX in support of Operation Freedoms Sentinel. As an XXXX XXXX Service Member, there are not always timely notices for combat deployments and/or Field Training Exercises. In XXXX, I was in the process of a Permanent Change of Station due to ongoing military obligations. In XXXX, I was attending military training with little to no internet or telephone access. I say that not to justify why the payments were late, but instead to show that the late payments are not a true indicator of my actual creditworthiness. Since that time I have been an exceptional customer paying every month on time. The late payments have been unsuccessfully disputed with the three major credit bureaus. I have enclosed a copy of my Duty Orders with this letter for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE BANK XXXX NA # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX ( XXXX ) XXXX I want the above account removed from my three credit reports. XXXX TransUnion, Experian, and Equifax XXXX This account says that it was discharged in a bankruptcy. This account was NOT included in a bankruptcy. This account DOES NOT belong to be me and I want this account removed ASAP. 


XXXX  XXXX # XXXX XXXX XXXX   XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX I also want the above account removed from my three credit reports. ( XXXX, XXXX, and XXXX ) This account says that it was XXXX  in a bankruptcy. This account was NOT included in a bankruptcy. This account DOES NOT belong to be me and I want this account removed ASAP.
Product: Debt collection

I, XXXX XXXX, am writing this letter to notify the proper party that I revoke the wage assignment, also I am a victim of identity theft and this acct was opened fraudulently without my consent. I am asking that you all cease and desist from all communication and collections.
Product: Vehicle loan or lease

This letter is regarding an account, which you claim I owe {$14000.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Debt collection

I spoke with rep. named XXXX on the XX/XX/2019 and asked for her to email me the details of the debt I owed. I told her once I receive the email I will look into the debt, verify that she and the collection agency she works for are legit, and would be contacting her after a couple of days. She has called my cell phone twice a day everyday since. 
This morning she called and left me a voice mail at XXXX XXXX  which is in violation of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I went to a gray XXXX XXXX in XXXX XXXX XXXX to trade in a vehicle. I discussed in the parking lot with the salesman my income and such. They proceed to run my credit with many banks without verifying my income or any information about me with an application. pretty much they used made up data to run my report. Where is the credit app? Ive tried to resolve this multiple times. everyone seems to think it's funny except XXXX XXXX. Since they think it's funny, I would like to seek damages according to : 15 U.S. Code 1681n - Civil liability for willful noncompliance. I want XXXX dollars per willful violation for damages to myself, business and employees. I will submit evidence
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items immediately : XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2022, I changed the autopay amount on my American Express to the total amount due - as opposed to the total statement balance and received confirmation from Amex that my change had been confirmed. 
On XX/XX/XXXX, however, I noticed that Amex had deducted from my bank both the changed autopay amount as well as the original statement balance. 
When I called Amex customer service to ask for an explanation, I was not able to get one that made any sense as the person at their outsourced phone bank in XXXX - after putting me on hold numerous times, could not provide any rational explanation. In the wake of this, I wrote a letter of complaint to American Express and have yet to received a reply. I took the precaution of cancelling autopay in order to avoid any further such surprises. 
On XX/XX/XXXX I scheduled to payment for the full balance due on my Amex in preparation to closing my account. When checking my bank account online XX/XX/XXXX, I saw that my full balance has indeed been paid and I had a XXXX balance. But I also saw a credit from Amex for {$430.00} ( which was the autopay amount I scheduled on XX/XX/XXXX ). When looking at my Amex account online on XX/XX/XXXX, I saw that they were now billing me an adjustment of the exact same amount. 
I called Amex customer service on XX/XX/XXXX to ask them to explain this boomerang credit/adjustment for the same amount and, after an hour on the phone being put on hold numerous times, was unable to get XXXX. I then asked that American Express explain this fiasco in writing and was told that she would note this but could not tell me when I might receive an explanation. 
I could, of course, pay the {$430.00} that Amex credited to my bank to return the " adjustment '' that appears on my statement, but am concerned about what further surprises American Express might have in store for me. I have stopped using my card and switched all recurring payments to other credit cards, so I should have a XXXX balance.
Product: Credit reporting or other personal consumer reports

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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. Please see attached file for these items I am complaining. 
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.