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

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, 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. 

XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXXXXXX XXXXXXXX # XXXX, XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights XXXX 

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 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 reporting or other personal consumer reports

I recently noticed unauthorized hard inquiries on my credit report which I did not authorize. Under the Fair Credit Reporting Act ( FCRA ) 1681b, companies must have a permissible purpose to pull my credit report, and I have not given consent for these inquiries.
Product: Credit card or prepaid card

I was diagnosed with XXXX XXXX XXXX and was told that would need to undergo XXXX. So in anticipation of being out work I notified my creditors to let them know of situation so that I can utilize my XXXX benefit that I knowingly and purposely apply for as a smart consumer especially because I have XXXX  XXXX. All companys were ok with applying my benefit except for Barclays after numerous attempts to exercise my benefit that I pay for which I applied for during the application process for the credit cards. They refused to use my benefit and then just this week I received a letter from a collection agency attempting to take me to court to collect the debt that didnt have to happen had the creditor applied he XXXX benefit I was paying for. This is unacceptable and demeaning and by now have increased in charges due to interest and fees that I should not be liable for since I was paying for a benefit to protect me in case of hardships.
Product: Payday loan

I received two e-mails and a text message from cashnetusa.com saying their check was returned by my bank do to insufficient details. It was in reference to a loan I supposedly applied for.They asked that I submit my personal bank information and fax them a voided check. I NEVER applied for any loan from this business. I do n't know what they 're talking about. I was the victim of identity theft in 2012. It may be that someone is trying to obtain funds under my name or this business is trying to solicit my personal information in a dubious manner.
Product: Mortgage

I had an existing HELOC from US Bank which I wanted to close by refinancing from another bank. I requested for a payoff statement from US Bank which they provided with amount due based on a date an a per diem. I submitted the payoff statement to XXXX  XXXX  and they sent a check on XX/XX/2023. XXXX XXXX sent extra money to cover any delay in processing, postal delay etc. 

US bank returned this Check back to customer ( Myself ) stating they they can accept the payoff if the amount is in excess of XXXX from payoff statement and it took few weeks for XXXX to cancel the old check and process a new payments. 

Due to this delay I ended up paying ~4 weeks of interest to US bank and when I talked to a customer agent and escalated this, I was told an investigation will be done and possibly apply the new payment back dated ( Date when the original check was received ) but US bank refused to refund me for the interest for this additional 4 weeks. 

I asked several time to US bank 1. When I received a Payoff statement, there was no mentioned that US bank will refused the payment if payment is XXXX excess from payoff due. 

2. After several requests, US bank is not able to provide any rules or terms which shows this policy. 

3. My new bank XXXX was not aware of this policy from US bank, they told me any excess payment made by them is generally refunded to customer with in few weeks. 

4. I have called several time to US bank and ask them to provide some written documentation of where is this XXXX policy rules and provide me some written documentation of why my the requested was denied, I have waited for a long time and there is no response from them. 

5. I talked to some supervisor as well but US bank is not resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Mortgage

Acquired new mortgage XX/XX/2021. Paying extra for principal reduction every month and every month it is misappropriated. Have made several calls and emails about this to correct and asked that a note made on account to correct future mistakes. Same mistakes continue. Property taxes were never paid out of our escrow account even though we have more than enough in escrow. Got warning letter from tax collector that house was going to tax deed auction. I paid the taxes plus late penalty and fee to taxcollector out of our checking account. Called XXXX  company about this and have been passed to multiple representatives who are equally inept to help us in what seems like a straightforward and easy administrative task. It is now XXXX and we have not received our tax money refund from escrow. We have received a letter saying they need more time. after many attempts and wasted time we are at a dead end with this untrustworthy, incompetent organization pretending to be a mortgage company. We need help getting our money back and ensuring they start managing our funds appropriately. Homeowners insurance is due soon and that's also in escrow. I dont have faith in this company after their performance for 9 months.
Product: Checking or savings account

I received an insurance check from my Insurance company made payable to me and the mortgage company. The mortgage company signed the back of the check and returned it to me, to be deposited into my Etrade checking account. I submitted the check using the mobile banking app, as there is no physical branch in my state. The check was rejected, per email sent to me, because it was made payable to me and the mortgage company. I called Etrade bank and was informed they do not accept checks made payable to the account holder when someone else is listed as the payee and not listed jointly on the account. When someone receives a claim check related to a property insurance claim and a mortage is associated, the mortgage company will always be listed on the check as a joint payee. This bank has placed me in a difficult postion and I can not begin to rebuild my home until this check is deposited and funds are available. I am left we no option to deposit my check with Etrade because their system rejects the check when attempting to re-deposit. I reached out to the insurance carrier and they said never before has this happened to any other clients.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 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 - business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 

These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$9300.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$3800.00} ; P. O. XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AS XX/XX/XXXX I HAVE NOTICE FRAUDULENT INQUIRES IT IS NOW XX/XX/XXXX THE 3 CREDIT BUREAS AND THE COMPANIES LOSTED BELOW TOOK MORE THAN 45 days to respond according to the " FAIR CARES ACT '' ALL COMPANIES INVOLVED ARE NOW VIOLATING THE LAW! 
REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY BEFORE I HAVE TO MAKE LAW SUIT!!!! 

Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type All Banks Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX Phone number By mail only ( tel : MAIL % XXXX ) XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Banks and XXXX & XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX ( XXXX ) XXXX  XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Banks and XXXX & XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX ( XXXX ) CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I closed this account when the annual fee was due. There was an annual fee of {$140.00} that was not refunded when I closed the account. Without my knowledge, late fees and interest accumulated on this annual fee, which should not have happened since this is a bank fee.

On XX/XX/XXXX, Banco Popular reported my account as opened and delinquent, which caused my credit score to drastically decrease 60 points overnight due to this bank error. It will be difficult for me to get a financial loan with this erroneous bank error on my credit report.

On XX/XX/XXXX at XXXX XXXX XXXX XXXX stated she closed my account and refunded all the fees, but failed to state that the bank would remove the erroneous delinquent account on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My online access seems too changed. I tried to login online and I can't recieve my username or PW to the email on file. I have been calling EXPERIAN for 3 days and I cant get through the automated prompts. I think someone has accessed my account and changed my experian login information. My email associated to the account is XXXX. My contact is XXXX. I've tried calling and can't through to customer service this is very frustrating. There was concern so I tried accessing my credit file and now I cant access it. I have tried multiple times to send myself the username to reset my PW and the emails are not coming through. And yes I checked my junk mail they are not there. 

I need assistance accessing my account online to access my credit report!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX
Product: Checking or savings account

How much did you all send after both savings and checking paid out and how much was sent from each account, and when? You are required by law to give me the amounts, and when those funds were mailed out. On recordings today, no one was able to give me any info. I was promised I'd get the funds, on recordings, by XX/XX/XXXX. You cut off access to where I can not see what funds were legally available, and legality dies in darkness ... and you all hoped to kill me or wear me down due to my XXXX. You all closed my account due to about 8 fraud claims, which you all admitted was fraudulent ... my identity has been hacked 3 times over 2 years ... you all didn't care, because I'm simply a XXXX American, my wife, a XXXX Veteran ... and we are utterly useless to you all. You say to report fraud, but on recordings, you all stated that I had too many legitimate claims and therefore, you all illegally closed my account, and made sure I had no way to access the account, in order to observe your illegal behavior in regards to my checking and savings account ... and the only funds that went into account was Social Security XXXX Monies ... and today, no one can tell me how much was in each account, and when checks were mailed out to me! I want answers today. You say it was all negative on XX/XX/XXXX ; however, on XX/XX/XXXX, on a recorded call by me, I was told over XXXX bc refunds kept coming through, and savings, I was told had over XXXX. XXXX told me those amounts, while XXXX told me today, lies. Also, they will not let me see my account to dispute anything, and they will not give me access to any of my statements for this entire year. 
Thank you for your time. 

Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and 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 reported to be removed/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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report reflects accounts that I have not opened. I would like these fraudulent charges and accounts removed and my score restored
Product: Checking or savings account

USbank has an advertised promotion on their website where they give you a bonus of either {$500.00} for opening a new account with a deposit of {$5000.00} or {$750.00} for depositing {$15000.00} and keeping that balance for 60 days. I opened my account at a branch and went over the details with the help of client relationship consultant XXXX XXXX on XX/XX/2023 and deposited {$15000.00} in cash. On XX/XX/2023 there was an " XXXX XXXX XXXX '' on my account for the amount of {$41.00}. I didn't understand what the charge was about because everything should have been free according to the terms of my opening my Silver Business Checking account. I reached out to their customer service and was told that I would be charged {$0.00} per {$100.00} for over XXXX units! I didn't know what she was talking about because this was a brand new account and when I did the initial deposit to open the account I was never told that I would be charged for making a deposit! This is an absolute scam and this bank is defrauding the public by making them open these accounts and then using our money and then denying the bonus on a technicality they did not disclose. Which bank charges their customers to open an account and deposit money??? This is an absolute scam! I can't even get anyone at their branch to pick up the phone and the customer service representative emailed the client relationship consultant that helped me open the account and CC'ed me on the email and still no response!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Mortgage

I've submitted paperwork TWICE to the mitigation department and have not gotten any response. I have applied for a loan modification over 30 days ago. 

When I call, they give you the runaround. The lender is supposed to be helping people with government backed mortgages and is not operating in good faith.
Product: Credit reporting or other personal consumer reports

Please recheck, why until now these negative accounts are still here it's been a while since I've done this. I have filed a complaint with the FTC for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter.
Product: Debt collection

On XX/XX/XXXX my credit score very abruptly dropped from a XXXX to the XXXX which made me look around for what could have happened. I found out it was a XXXX XXXX XXXX that had sent me to Kingston Data & Credit after I knowingly canceled the account more than a year ago now. I wasnt sent notice of any of this happening by either group. There is no information or receipts to identify what the debt is exactly but its more than {$300.00} and as a XXXX XXXX XXXXXXXX XXXX XXXX  its a lot. I looked around for the collection company to attempt to see whatever the debt is, I found I need a claims number and being I was sent nothing its just sitting there probably building interest. It is now nearing the end of XXXX and Im beginning to get worried about it and sent a dispute through XXXX XXXXa to try and get some kind of response back. I believe that the collections company or the original creditor did do something wrong though by not sending me anything before reporting me to the credit bureau or even informing me of any kind of debt.