23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

There are three dept collectors in which someone else used my identity or are just fraud. 

XXXX XXXX XXXX, Date claimed XXXX, XXXX, XXXX amount {$240.00} Original Creditor : XXXX XXXX XXXX XXXX, I did not receive any services from this company. This is fraud. 
I attempted to call and was sent to an answering machine, I found this very odd. 
XXXXXXXX XXXX XXXX XXXXXXXX Date Claimed : XXXX, XXXX, XXXX amount {$280.00} Original Creditor : XXXX XXXX XXXX I did not receive any services from this company. This is fraud. 
I attempted to call and the call was dropped twice when I asked the automated system to talk to an operator. I found this very odd as well. 


LVNV Funding LLC Date Claimed XXXX, XXXX, XXXX amount {$460.00} Original Creditor : Just XXXX XXXX  XXXX I did not receive any services from this company. This is fraud. 
They sent me a collections to my address with the wrong last name labeled on the letter. as, XXXX XXXX. I attempted to call they are not open today XXXX, will try again on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE BANK OF XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX BANK OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX BANK XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX our lender discovered AMEX had listed our old, closed account as " Charged Off '' in the amount of {$3900.00}. This prevented me from getting a mortgage. I have been corresponding with AMEX via snail mail since XX/XX/XXXX and made telephone calls only to be told that the information is correct. I mailed copies of bank statements, all payments totaling the amount listed as " Charged Off ''. AMEX has mailed me copies of statements, with the last statement showing payments of {$500.00} paid XX/XX/XXXX, {$800.00} paid XX/XX/XXXX, {$1000.00} paid XX/XX/XXXX, {$610.00} paid XX/XX/XXXX, {$1000.00} Paid XX/XX/XXXX all total {$3.00}, XXXX ; and they will still not remove the words " Charged Off ''. I have not received a 1099 for this and neither has the IRS showing it as income for me. The credit reporting agencies will NOT make any changes because AMEX continues to say I did not pay it in full, this is untrue. I have requested the documentation AMEX gave to the credit reporting agencies and have yet to receive that from AMEX. I have written 7 letters with copies of bank statements and copies of their own website showing XXXX balance when I made the final payment on XX/XX/XXXX, with copies to XXXX, XXXX, XXXX, Better Business Bureau oXXXX XXXX XXXX, TX, Texas Attorney General with no resolution for correction.
Product: Credit reporting or other personal consumer reports

I am writing to address a serious matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) concerning the reporting of account XXXX. It has come to my attention that your company has reported inaccurate information to the credit reporting agencies, which is a direct violation of my consumer rights. 

The account in question was paid in full in XXXX, and it is erroneous that XXXX XXXX is reporting the date last active as XXXX. This discrepancy misrepresents the accurate information regarding the account status and activity. 

Furthermore, there was a prior agreement that this account would be removed from my credit report upon payment. Despite this agreement, the company has failed to uphold its commitment, resulting in a direct violation of my rights to have a fair and accurate credit report. Lastly this company is nonexistent, so there is no way that you could have verified this information. I have called the number provided and googled the address and the company is XXXX XXXX, so Equifax and XXXX are reporting inaccurate information. 

I am formally demanding the immediate removal of account XXXX from my credit report. This removal should be completed within 30 days from the receipt of this letter to avoid further legal action. It is imperative that your company rectifies this situation promptly to ensure compliance with the FCRA. 

Please consider this letter as an official notice of my intent to pursue legal action if the requested removal is not executed within the specified timeframe. I trust that you will take this matter seriously and take the necessary steps to address this issue promptly and effectively.
Product: Student loan

I have been paying my XXXX XXXX student loan of approximately {$70000.00} for 21  YEARS. I have paid on time. My interest rate is 3.5 % interest. After 21 YEARS of payments, ED Financial says I still owe {$68000.00}. My husband, who took out XXXX  loans with XXXX at the same interest rate at the same time, now has a balance of {$38000.00}. I have contacted Ed Financial several times to ask for clarification about how this arithmetic is being done and can not get any information, plan, supervisor. Nothing. They are absolutely unresponsive. Customer service is non-existent. If I type my information ( length of loan, interest rate, principal ) into an ordinary online loan calculator, I get that my balance should be around {$30000.00}. But according to ED Financial, my balance is more than double that figure, and they are not being held accountable to disclose how they are calculating my loan and why it's still so high. 
On top of all that, no two phone reps ( after hours of waiting ) have the same information. I do not feel heard and I do not feel informed about my options for refinancing. When they told me to sign up for income-driven repayment plan, my monthly plan DOUBLED. I am nearly XXXX XXXX XXXX and I on social security.
Product: Credit card or prepaid card

I have had a credit card with Home Depot for a few years. I needed to fix my home up and it was best option at the time when I signed up. I make my payments monthly as agreed, over the amount required. I've never missed a payment since opening the account. My interest & fees is around {$86.00} which doesn't make sense to me. My minimum payment is around {$29.00}. I pay at least {$100.00} each month towards it. I am XXXX XXXX XXXX and receive a fixed income through the government.
Product: Credit reporting

I called transunion and tried to get them to delete inquiry 's that they deleted and put back on without giving me notice.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit card or prepaid card

XX/XX/2018 {$660.00} I disputed a charge that I did not receive sevices for from XXXX and Bank oF American from XXXX and the charges has reappeared.
Product: Credit card

I was notified that Chase Bank approved a XXXX Credit Card in my name without my permission. I requested they cancel it and provide me root cause. I wanted any documentation providing the reason this card was opened in my name. I want the timeline of events and any information that will help me identify the person who stole my identify or I want them to tell me they did it by mistake. They refuse to do so unless I go out to multiple websites they own and fill out multiple pages of requests. I said I can not do that and made a verbal request and they refuse. It should be the sole responsibility of Chase to provide all information pertaining to this error, regardless of what format the request was made, until I am satisfied. I should not having to jump through hoops designed to fatigue people into just giving up. I want a documented account of the investigation so I know how this occurred and can decide what to do next. THis is fraud. This is illegal, I deserve answers without having to go to multiple websites, credit bureaus, and down right disregard for what is right. Furthermore, if Banks should not be allowed to provide such cumbersome process to get information based on mistakes they made. They should be required to provide any assistance needed, in any way or format, to rightsize the issue.
Product: Credit reporting or other personal consumer reports

Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number : N/A, Biased. Fix the balance information. 

XXXX XXXX XXXX  | XX/XX/XXXX : Account number : N/A, Biased. Fix the balance information. 

XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Biased. Fix the balance information. 

XXXX | XX/XX/XXXX : Account number : N/A, Biased. Fix the balance information. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Biased. Fix the balance information. 

XXXXXXXX XXXX | XX/XX/XXXX : Account number : N/A, Biased. Fix the balance information. 

XXXX  | XX/XX/XXXX : Account number : N/A, Biased. Fix the balance information. 

XXXX | XX/XX/XXXX : Account number : N/A, Biased. Fix the balance information. 

XXXXXXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Biased. Fix the balance information. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Biased. Fix the balance information. 

XXXX | XX/XX/XXXX : Account number : N/A, Biased. Fix the balance information. 

XXXX | XX/XX/XXXX : Account number : N/A, Biased. Fix the balance information. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on ( XX/XX/XXXX ) to remove the unauthorized inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the bureaus are required to remove/block any inquiries or information not later than 4 business days after the ( XX/XX/XXXX ). 

XXXX XXXX XXXX XXXX  ; XXXX XXXX ; XXXX XXXX ; EQUIFAX MORTGAGE SOLUT XX/XX/XXXXXXXX  ; EQUIFAX MORTGAGE SOLUT XX/XX/XXXXXXXX  ; XXXX/XXXX/ XX/XX/XXXX.
Product: Mortgage

We were holding " interest only '' mortgage for more then five years and paid monthly charges in amount of {$1300.00} including taxes and insurance ( see attachment ) This is an amount we could afford and we never missed a payment. Our credit history is good.The payment varied each year depending on a rate change but never changed to much. In XX/XX/2018 we received notification from Ditech financial that our program would changed to ARM starting from XXXX and monthly payment will be {$2100.00} ( see attachment ). We can not afford this amount. We addressed the company and spoke to a loan officer XXXX XXXX XXXX # XXXX on the phone regarding possible refinancing with smaller payment charges. We were denied on the basis of insufficient income. 
What is the option then- to sell the house? Why Ditech changes the rate program without our permission? It is going to ruin our budget. 
Please help.
Product: Debt collection

I pay my bill every month it is due on the XXXX and I pay before.I continously get phone calls from XXXX at XXXX XXXX location, every day starting on the XXXX of each month except weekends from her telling me.to return her call.She had asked me previously if she could call, I told her no unless my bill wasn't paid by the XXXX, which it has.However she continues to call
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several hard inquiries on my credit report that resulted from the XXXX data breach in XXXX  where my social security number was found. The hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. After reviewing my credit report, I noticed multiple hard inquiries that I did not authorize or initiate, and I believe they are directly linked to the breach. I would like to clarify that I am not associated with these inquiries in anyway, nor did I consent to them, Given the circumstances surrounding the breach, I respectfully request that these inquiries be removed from my credit report as they are inaccurate and unfairly impact my credit score. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and realized some alarming information. I found there were fraudulent accounts that I have no knowledge of. I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made. I believe I am a victim of Identity Theft.

These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts. This is in clear violation of my Fair Credit Reporting Act ( FCRA ).

I ask that the accounts listed below be removed because its in clear violation of The Fair Credit Reporting Act section 15 U.S. Code 1681i - Procedure in case of disputed accuracy. I ask that the accounts and inquiries be investigated thoroughly and as a result removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about the ongoing issue of unresolved fraudulent items on my credit report. Despite multiple attempts to remove these fraudulent items, they persist on my credit report, causing me significant financial harm and emotional distress. 

I would like to provide a summary of my efforts to address this matter : I first became aware of the fraudulent items on my credit report. Immediately, I reported the fraudulent activity to your credit reporting agency and initiated disputes for each of the fraudulent accounts. 

Subsequently, I have made numerous attempts to dispute these fraudulent items by providing all necessary documentation and evidence to support my claims. I have also been in continuous communication with the creditors associated with these fraudulent accounts to rectify the issue. 

Regrettably, despite my unwavering commitment to resolving this matter, the fraudulent items continue to appear on my credit report, and they have not been removed, updated, or properly investigated by your agency or the creditors involved. 

These unresolved issues on my credit report have caused me significant financial hardship and emotional distress. I have followed the proper dispute procedures and expected a timely and accurate resolution of my credit history. 

I kindly request that you take immediate action to thoroughly investigate and remove these fraudulent items from my credit report. Additionally, I ask for a written response outlining the steps your organization will take to rectify this matter and prevent future occurrences of fraudulent items on credit reports. 

I am aware of my rights under the Fair Credit Reporting Act and other applicable laws, and I will not hesitate to take legal action to protect my rights and interests if this issue remains unresolved. I am asking for your assistance to remove the following fraud items : XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXXXXXX Balance Owed : {$510.00} XXXX XXXX XXXXXXXX Balance Owed : {$540.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$540.00} XXXX XXXX XXXXXX/XX/XXXX.
Product: Checking or savings account

First Midwest Bank at XXXX XXXX XXXX, XXXX, Illinois, is discriminating against me for being a XXXX  XXXX  XXXX. They would not allow me to cash {$100.00} of my {$400.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  check # XXXX issued by the U.S. Treasury on XX/XX/2019, in their bank lobby. I needed {$100.00} so I could continue to pay for my {$30.00} XXXX bus passes through the winter months when my mobility afoot will be restricted, but the Teller only allowed me to withdraw {$80.00} in defiance of the Check Clearing For The 21st Century Act. To add insult to injury, they then assessed my third - {$36.00} Overdraft Fee to date since the inception of my account on XX/XX/2019, against my First Midwest Bank Easy Checking account. This time, they assessed the - {$36.00} Overdraft Fee against my {$41.00} check # XXXX to XXXX XXXX that I had to pay as a mattter of necessity for my cold 64 degree Fahrenheit apartment. However, for all tense and purposes, I should have never been assessed a - {$36.00} Overdraft Fee as according to their own records at XXXX XXXX XXXX I had a {$380.00} Balance at the time the - {$36.00} Overdraft Fee posted on XX/XX/2019. Under the Expedited Funds Availability Act, the bank Teller should have had a fidcuiary duty to advise me that I was Overdrawn on XX/XX/2019, ( if this was indeed the case ) for at which time i would have been glad to return on foot on XX/XX/2019, once the {$400.00} check cleared as the streets were still free of hazardous ice and snow at the time ( which isn't the case now ). I have never endured so frequentt of Overdraft Fees in such a short succession of time in my life so I feel that First Midwest Bank is Redlining me for being perceived as an inferior XXXX  minority. I will be switching banks soon, but wanted to report this matter in case an investigation needs to be launched in order to protect more vulnerable customers at Frist Midwest Bank from such predatoy conduct. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

False Credit Inquiries were made on my credit reports ( XXXX, Transunion and XXXX ). I had spoken to the Federal Trade Commision and was assured that the inquiries would be removed from my credit
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I was recently polishing up my credit to try and purchase a house. I had filed bankruptcy in XX/XX/XXXX and dismissed said bankruptcy in XX/XX/XXXX. Upon viewing my recent credit report, I was made aware of some charge offs that I needed to pay off. Chase was one of the accounts I needed to pay off. I contacted Chase using the number given to me on my credit report. Amount showing owed on all 3 credit bureaus is {$3000.00}. I first contacted Chase on XX/XX/XXXX and spoke with a customer service rep who explained to me that the the account was closed in XXXX and they are no longer actively collecting on this account. I asked to be transferred to the charge off/recovery dept. I got transferred to several depts and finally spoke to a gentlemen that told me I needed to speak to the bankruptcy department. I explained to him that Chase never filed to receive bankruptcy money and that the account according to them was charged off before my bankruptcy. That department was closed because it was XXXX XXXX XXXX I then called the following day XX/XX/XXXX. The bankruptcy dept said the account was not flagged bankruptcy so they transferred me back to the charge off dept. I spoke with a gentleman that said I could not pay on this account. I explained that is showing up on my credit report as a balance owed and also as late. On all 3 credit bureaus it is also showing late payments all through my bankruptcy through XX/XX/XXXX because I originally attempted to dispute it through the credit bureaus. He said maam there is nothing we can do for you. I then called on XX/XX/XXXX to see if I could get a letter stating that they are no longer actively collecting on this account. She attempted and said she could not but they were gon na update my account and I needed to call back in XXXX hours but not over the weekend. I called XX/XX/XXXX to attempt to get the letter. I spoke with customer service rep. I have a recording of the conversation. She said that I needed to fax a letter to Chases communication dept and they may be able to draft a letter for this special circumstance but I could pay no money to decrease the balance owed. I have not heard anymore from them. I attempted to file an arbitration with them but they have not answered my complaint from XX/XX/XXXX. I just applied for an apartment and was denied because of chase charge off.
Product: Debt collection

I asked the company in writing to provide documentation that I provided them with a HIPAA release to access medical information associated with this debt. The company refused to respond to the original letter or a follow up letter sent 45 days after. Creditor refused to remove from report after failing to verify the debt.
Product: Checking or savings account

I went through an drive-through ATM to withdraw {$200.00}, and I did not receive my money, I immediately call the number on the ATM machine, they I had to call the numbers on my card, I also went into the bank they said I had to the numbers on my card because they could do anything about it, so I called file a claim, couple weeks later they temporarily refunded the money back into my account, and then on XX/XX/XXXX they reversed it back, so I was sitting with negative {$200.00} in my account. When I received more money into my account, they took it. This is serious, my money was taken from me, they was not able claim it, they are wrong! I want my money back!