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

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 
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 XXXX business days after the date of receipt. 
15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I seen some inaccurate information which lead me to file an identity theft report with the ftc! The inaccurate information was XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX I did not apply for any of these products, my information was compromised, please remove these inquires from my credit file, thank you in advance, below is the new and old ftc report numbers
Product: Mortgage

I have paid two and three payments per month on my mortgage note Loan Number : XXXX with Truist bank and they are prepaying/taking interest on those extra payments rather than applying it to principal correctly. My principal balance is not going down even by the normal amount of one payment from statement to statement. I am requesting a full-audit of my mortgage loan by a 3rd party. This is the worst banking experience I've ever had to deal with and the last time I called Truist, I told them again over an hour and a half conversation, the principal balance isn't going down per my payment history from statement to statement and they are taking double and triple interest payments. I didn't have any payment due until XX/XX/XXXX. I made a payment earlier this week, all toward principal. I received an email today saying my XX/XX/XXXXXXXX  payment is past due and my principal balance went up again, not down, despite just paying over {$1600.00} principal payment. 

I want my entire mortage payment history audited and I don't want it done by their incompetent customer service workers on the phone who continuously create an even bigger mistake than the first one I reported. In looking at my online statements, it's obvious, they're taking my money and not reducing the principal balance accordingly. 

On one of my statements, it showed my interst portion of the payment was under {$200.00} and now they're all over $ XXXXmonth - this is indicative of my principal balance going up not down - this bank has never gotten it right. I need my entire mortgage audited for proper application of my payments to principal and ensure my principal balance is accurate because I can tell it's not even close. The latest response to my complaint from the bank is to issue me a late payment without notification today, when the last time I looked at it earlier this week - no payment was due until XXXX, XXXX  -- yet the principal balance didn't go down!!! Please help.
Product: Debt collection

On XX/XX/2021, HARRIS LTD has added a derogatory mark on my credit report ONCE AGAIN. ( XXXX ) After further investigation and research, the debtor STILL could not provide original contract nor signatures. This account has transferred/sold and I am and have NEVER been responsible for the accounts. Debtor 's creditor did not verify this collection with me! There hasn't been no form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt as anyone can send a bill saying its mines. According to the FCRA, Harris LTD has violated my rights as a consumer ONCE AGAIN and I am requesting legal action to remove this account from ALL THREE CREDIT BUREAUS. Additionally, this company has responded to my most recent complaint irresponsibly, accusing me of the person who may have stole my identity.
Product: Mortgage

Lenders do not use the standard Loan Estimate form. Lenders give customers a very hard time when the standard Loan estimate form is requested. In some instances, lenders refuse to provide the form.

I believe the use of a form that deviates from the standard document is intentional and a way to confuse customers and make it harder for us to comparison shop.

I was not aware that the standard form existed, or that it was a requirement that they provide it until 1 of the 3 lenders I spoke with told me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Companies are reporting information that do not belong to me on my credit report. I've been denied credit because of this. I've called and talk to numerous people about this error. I am being ignored. Again these accounts do NOT belong to me. I have no idea. 

XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX/XXXX XXXX Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all XXXX credit bureaus on ( date of XXXX letter ) regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over ( date since XXXX letter was sent ) and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last four years I have submitted a request to all majors credit bureaus to update my name due to name change. I have submitted documentations, such as court documents per name change, birth certificate, and social security card as well as a letter of request. 
I
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I called Capital one to let them know of the issue with reporting. They agreed late payments shown would be removed. XXXX, XXXX, XXXX XXXX. Three were removed but the XX/XX/2020 is still showing. The negative reporting is now affecting my credit and employment status in this pandemic. I would like to request the derogatory remarks and late payment reporting on my credit report to be corrected and removed as agreed previously. Thank you kindly in advance for your help and I appreciate your help dearly.. Many Blessings to you and yours, XXXX XXXX
Product: Student loan

Today XX/XX/22 XXXX ( XXXX ) tried to call Sallie Mae about delaying/skipping my payment for XXXX. When I called I talked to a customer service rep who told me that they recently changed their process for this action. When I said that they didnt notify me about this change she stated that they havent told anyone about the change as it just happened in XXXX. I asked to her transferred to another person and the next lady said the exact same thing, as they havent told any of their customers about this change. Making it harder for borrowers to delay/skip a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX website is not user friendly whatsoever. It will not let you dispute an error. 

I want XXXX and Experian to both investigate XXXX XXXX XXXX account on my credit reports. 

XXXX XXXX XXXX has reported that I am 30 days past due on my payment which is completely false. I have made all payments on time. I want XXXX to make the correction on my credit report as I am not 30 days past due. I have proof from XXXX XXXX XXXX account website that I have made all payments and I am not 30 days past due.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

there are items on my credit report that are not mine and they need to be removed from my credit report XXXX XXXX XXXX NUMBER XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX  XXXX THESE ACCOUNTS ARE FRAUD AND THEY SHOULD NOT BE ON MY CREDIT REPORT. I CONTACT THEM CREDITORS AND THE COMPANIES
Product: Payday loan, title loan, or personal loan

On XX/XX/2021 I applied for a loan through XXXX XXXX. I received an offer from Lending Club. On XX/XX/XXXX I received an email from Lending Club stating my loan had been funded in the amount of {$32000.00} and payments were sent to my creditors. Because I saw this email after hours I had to wait until Monday to call them. When I spoke to them, I told them I wanted to loan cancelled as I had neither received or signed any paperwork on the final terms. The paperwork they sent me was in the same email as the email telling me the loan was funded, but it was all blank. I was told the loan would be cancelled. I also received an email stating it was cancelled. A few days later I noticed one of my creditors had been paid off. I again called and was told the loan had been cancelled. I asked to speak with a supervisor but no one was available. I requested a call back to discuss and have yet to receive one. I called back again and requested a copy of the promissory note and disclosure be sent to me. They advised I could log in to my account and get it. I informed them it is blank and that I had not ever signed anything. At this point all the creditors have been paid off. They then told me it would be my responsibility to call the creditors and have the money sent back to the loan company. I do not believe I should be responsible for a loan I never agreed to or signed for.
Product: Debt collection

Judgment with Reference # XXXX, reported on XXXX/XXXX/2012 appears on my credit reports. Base on understanding, I do n't remember being served. I am writing this complain so that this judgment can be justified and/or removed from my credit reports.
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 tocare, that I want to dispute specific items in my credit file that do not belong to me, or that I have signedany agreement. The items I'm challenging have nothing to do with any transactions I've done orauthorized to gain products, services, or money. Please remove the following : XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$4500.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$2900.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX is not reporting a closed date on my XXXX and XXXX reports. I have disputed more than 3 times to no avail. My Experian reports the account was closed on XX/XX/XXXX. That would me I would have had access to the account and that is not the case. 

Account : XXXX The account was closed in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked several times for the fraud alert to be removed from my Experian, XXXX, and XXXX credit reports. These companies placed fraud alerts and personal statementsnon my credit reports with out my permission. I NEVER ASKED THESE COMPANIES TO PLACE FRAUD ALERTS ON My CREDIT REPORTS. Please remove ALL FRAUD ALERTS from EXPERIAN, XXXX and XXXX. I also need to make sure my address is current. The only address and contact infomration that should be on my credit report are below. I have 2 phone numbers. REMOVE ALL PERSONAL STATEMENTS FROM MY EXPERIAN, XXXX and XXXX reports. THE ONLY ADDRESS AND PHONE NUMBERS I HAVE ARE BELOW. I have asked so many times over and over and over for this to be updated. Its getting really fustrating. 

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

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit 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 was not notified in the time frame. 
1. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.

2. The following personal information is incorrect Name : XXXX XXXX XXXX As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report on this day over 30 days l have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) of the Fair Credit Reporting Act clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items fro my credit report it have been over 30 days, as a result these items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I was paid up on my Toyota Financial lease to XX/XX/XXXX, so I " shut off '' the automatic payments on their website. I went back into their system in XXXX to turn it back on but the system failed. I made the payment in XX/XX/XXXX when I saw the system didn't work to make my payment. I turned the auto payment on again in XXXX and it again didn't work. I made 3 payments in XXXX, along with speaking to an agent who confirmed there seemed to be technical issues and I would not have late payment markers. I close the account in XX/XX/XXXX as I bought a new vehicle. However, AFTER THE ACCOUNT WAS CLOSED, Toyota Financial added the late payment markers for two months onto my account. I again called Toyota who said that their payment system showed " odd '' automatic payment system entries from XXXX to XX/XX/XXXX. The customer service and retention reps agreed with me that there should not be late markers because the system did not appear to be operating correctly. However, the credit review team will not speak with me and will not change the late markers, which is impacting my credit as I try to refinance my home. I filed a complaint with XXXX XXXX as well, but was told that due to Covid-19, their review teams are not working and their website is not working either to follow up on my complaint. I am contesting that it was Toyota 's auto payment system that caused the two late payments in the Fall of XXXX, that Toyota told me at the time and during my complaint that these late markers should not have been applied, and Toyota retroactively added the markers only after I closed their account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a debt reporting from XXXX XXXX XXXX and XXXX on my credit report. I have complained to the reporting bureaus and they keep stating the debt was verified but I have yet to receive correspondence validating this debt is mine. I called XXXX XXXX today and the automated system could not locate the account using my social security number. Once I spoke to a live representative, I asked them to verify where they have been sending correspondence and they stated they last mailed in XX/XX/XXXX to XXXX XXXX XXXX XXXX in XXXX Ga. I told them I do not live in XXXX. Rather than investigate the origin of the account, the representative attempted to get me to provide my correct address for an update-I did not do so. I have not lived in XXXX since XXXXthe address they listed is a public college dormitory that belonged to Georgia XXXX XXXX and was sold to Georgia XXXX XXXX at the end of the XXXX school year ( a year after I last lived there ). The credit report states that the account was originally opened in XXXXhow can an account attached to an address I have not lived at since XXXX have been opened credibly in XXXX? This debt does not belong to me and is fraudulent. My tax returns, wage statements and other documentation will prove I have not resided in XXXX when this account was opened. The bureaus keep updating this information when I dispute it as accurate, but have yet to provide me with proof of how they verified the debt. The disputes have finished in less than a week with a verified status.
Product: Checking or savings account

Account ending XXXX XXXX : On XXXX XXXX there was a debit from XXXX XXXX XX/XX/XXXX Pound XXXX - Misc Specialty Retail {$83.00} plus Foreign Exchange Rate Adjustment Fee {$2.00}. 

Called Chase on XX/XX/XXXX to report fraudulent activity on a debit card associated with my account. I do not have a debit card for this account, nor do I use XXXX ( they could see my transactions to confirm this ). I was told they would reverse these debit items. 

I just received letter XX/XX/XXXX that they researched this & found that I did authorize this debit which is false. 

I was at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  at the time. There had been NO transactions on this account since XX/XX/XXXX. 

I will now once again contact Chase to try to resolve this but could use your assistance in this matter.
Product: Credit card or prepaid card

On XX/XX/XXXX I made my payment on my apple card through the apple wallet. However there appeared to be an issue with processing the payment on Apples side as it didnt post until the next day which charged interest. I called and spoke to XXXX on XXXX who is a supervisor who opened a dispute on XXXX the dispute was resolved in my favor and the interest was credited back. However in doing so the company Cancelled the payment and did a manual credit in doing so they placed a hold on the payment until XX/XX/XXXX I called again on XXXX and spoke to XXXX another supervisor at apple who agreed that the payment should not be held as the already hold the funds and it was just a simple back dating of the payment. He advised that he would escalate this up to the customer advocacy team and that I should have a call back later that day. I have called every day since the XXXX and continue to get a different answer every time. Meanwhile my payment is on hold and I have no use of my card and its causing my autopay 's to be rejected.