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

I sent a letter on XX/XX/XXXX, requesting you to remove fraudulent accounts and information was well as the unaithorized inquiries that are UNKNOWN to me. I came across the Federal law and according to the Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts and information not later than 4 business days after the XX/XX/XXXX. Ive already included these fraudulent accounts and information in my previous Complaints & I am including it again. Please once more, I request of you to please remove the following items off of my Credit File as soon as possible : 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 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. Also, please send me any documents you found along the wat if your investigation for me to verify my self about these disputed items. If you find no documents claiming that the items have been verified, immediate removal of the disputed items will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

I've been tryin to remove incorrect information from my report over a year now. 
I have account XXXX on my report that shows : First of all, the dates of an activity are years apart. XXXX shows XX/XX/XXXX, XXXX XX/XX/XXXX and Experian XX/XX/XXXX. Based on above information, one of the dates may be correct, but 2 others obviously not. Or maybe all 3 are incorrect. This information is inaccurate and violates my rights. 
Second, if the dates of a last activity are XXXX and XXXX then how is possible that on XX/XX/XXXX XXXX reported positive activity? 
Experian did not delete this mistake when I was trying to solve it last year. Instead they asked me to contact creditor. 
I did contact the creditor and haven't received any proving information from them. 
Last time I sent letter to XXXX in XXXX and they haven't responded ( see attached Return Receipt ).

So now I'm being kicked from one to another wasting my time and nerves.

I need a help of authorities in this matter. Thank you.
Product: Checking or savings account

XX/XX/2019 : Insufficient Fund Fees of {$34.00} XX/XX/2019 : Insufficient Fund Fee Of {$34.00} XX/XX/2019 : Insufficient Fund Fee of {$34.00} XX/XX/2019 : Insufficient Fund Fee Of {$34.00} I called Chase Bank To Resolve These Debits Of The Various {$34.00} Fees. All I was told was I'm Sorry, it is against our policy to remove these fees by the banker on the phone. I also talked with the manager on the phone and was told by the manager that there was nothing he could do, and the insufficient fund fees remained. I was told I needed to keep an eye on my statements in the future, and was treated very rudely. I told the Manager I received a small XXXX check as my only source of income, he rudely denied my request to remove and credit the four {$34.00} fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

YesterdayIwenttothecardealershipandtestdroveacoupleofcars.I'mindeepthoughtofgettinganewvehicle.Iwenthomeandcheckedmycreditreportjusttomakesuremyscoreisuptopar.WhiledoingsoInoticedacoupleofitemsonmycreditreportthatarenotmine.Thisisunacceptable.Ineedtheseitemsdeletedfrommyreport.I'mworkingonthisallonmyown.IcontactedthepoliceandFTC.Thesearetheitems:XXXX,XXXXXXXXXXXXXXXX,XXXX,XXXXXXXXXXXX,XXXXXXXX,XXXXXXXXXXXXXXXX,XXXXXXXXXXXX,XXXXXXXXXXXX,XXXX,XXXXXXXX.inquiries:XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

Regarding my XXXX credit card account - XXXX, on XX/XX/year>, I spoke with XXXX at XXXX XXXX customer service department. I explained my account was never late and it had been paid in full and closed. I informed XXXX the account was showing as unpaid due to the continuing accrual of unpaid interest every month, but the account had been closed/paid and this was in error. XXXX reviewed the account and agreed that the monthly interest accrual was indeed in error. She corrected everything regarding the account, as far as the late fees and interest accrual along with updating the " Late '' status of the account in XXXX 's account computer system. XXXX said she would send an " Adverse Action Letter '' explaining the incorrect reporting status of this account to all 3 credit reporting bureaus. However, after XXXX days following this corrective action by XXXX XXXX and submitting the account status update letter to the XXXX reporting bureaus, all 3 of my credit reports are still showing as being either 120 days/150 days late for this account. Would you please contact the 3 reporting bureaus and have this late status corrected/deleted and then have the account status updated to paid-never late for all 3 reporting bureaus. Thank you or your help in this matter.
Product: Debt collection

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Dear Sir/Madam, I am writing to formally dispute the collection accounts reported by LVNV Fundings LLC with the account numbers XXXX & XXXX on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate or incomplete on my credit report. 
After reviewing my credit report, I believe that the account is inaccurately reported and request that it be removed or corrected. Please note that the following information applies to my case : 1. Account Number : XXXX & XXXX XXXX. XXXX XXXX : LVNV Fundings LLC 3. Date of Reported Collection : XXXX XXXX, XXXX If the collection account is a result of a reporting error, I ask that you remove this entry from my credit report. Additionally, if the debt has been paid, or if the collection agency fails to verify the debt within the 30-day period outlined by the FCRA, I request that the account be removed in compliance with the act.

Please investigate this matter promptly and provide me with a written confirmation of the outcome. If the collection account can not be verified, or if there are other inaccuracies, I ask that it be deleted as required by law. 
Thank you for your attention to this matter. I look forward to your prompt response. 

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

Back in XXXX & XXXX of XXXX, XXXX XXXX XXXX stated they did not receive a payment from me, with the two credit cards I had with the company and that information is inaccurate, payment has always be made to the company. Late payment ( s ) was reported to the credit bureaus, XXXX shows account was paid as agreed, no negative information was placed on the two accounts that I had with XXXX XXXX, under my XXXX credit report so I am requesting this negative information be removed from XXXX and TransUnion as well due to inaccurate information being placed on my credit reports. Late payments being reported to XXXX, but not with TransUnion and XXXX.
Product: Credit reporting

In XXXX 2015 I discovered that I was the victim of identity theft. Someone using my name obtained XXXX credit cards using a XXXX, Oregon address. The total balance on these XXXX cards was around {$40000.00} ( XXXX XXXX, XXXX, and XXXX ( a credit union in Oregon ). I filed a police report along with formally contacting all XXXX credit reporting agencies and the XXXX credit card companies. I received written confirmation from each of the XXXX credit card companies that these accounts were fraudulently obtained. I subsequently received confirmation from the XXXX of the XXXX credit reporting agencies ( XXXX and XXXX ) that they had removed all information relating to these XXXX accounts. Equifax removed XXXX of the XXXX ( XXXX XXXX and XXXX ) but refuses to remove the third ( XXXX ). I have contacted XXXX directly who confirm they have now twice sent the confirmation of fraud to the XXXX agencies. I have put XXXX fraud investigations in with Equifax XXXX written, online, and over the phone and I keep getting the same response that the XXXX account " belongs to me ''. I have attached as evidence the letter I received from XXXX in XXXX, 2015 verifying that they view this account as fraudulent. This letter was faxed ( and verified as received ) to Equifax on XXXX/XXXX/2015 but they continue to list this on my report. 

It is clear to me that other information from Equifax is erroneous and not consistent with that seen with the other credit reporting agencies. Both XXXX and XXXX list my current employer as XXXX which is correct as I have been an XXXX here for 4+ years. Equifax lists my most recent employment as XXXX. This was a position I held 30 years ago as a college student.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) 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 in those account to be removed.

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.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( 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 1002 and It was never provided.

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

Delete the late payments from my consumer reports
Product: Debt collection

I was recently made aware that XXXX XXXX was attempting to collect a debt on a previous account. At the time of closing my account with XXXX XXXX, I was made aware from the customer service representatives that the amount was incorrectly stated that was owed. That representative at the time said she will escalate the issue and have a supervisor look into the issue and a member from management would be in contact. I did receive a call shortly after from a XXXX named XXXX, who had explained that there unfortunately was an issue within their system and the issue will be correctly rectified to the amount owed of {$210.00}, at which time you can make your final payment when you return the equipment in XXXX of the local support centers. I waited XXXX business days as XXXX explained and then brought my equipment to be returned at the local support center in XXXX XXXX, RI. At that time I was told the amount was still incorrect, but they will accept all of the equipment now. The management of the support center has also explained the amount owed was incorrect and we will get this rectified as soon as possible. The amount was never correctly rectified and I have now received a correspondence from XXXX XXXX that a debt collection company, XXXX XXXX XXXX XXXX will be contacting me in the future for the amount owed ( which is incorrect ). This is one of the many reasons I terminated my relationship with XXXX XXXX, as the customer service is unacceptable. I want to pay the correct amount of {$210.00} and have my account closed permanently and in good standing. I closed the account and terminated the service, the company did not. I am more than willing to pay the correct amount owed and do not feel this should have been handed over to a debt collection company given what has occurred. The communication within the internal teams of this organization are horrendous.
Product: Checking or savings account

Recently, I have been a victim of identity theft. My information was compromised and I have been dealing for the last two months with the aftermath. My Debit card was used for an unauthorized transaction on XX/XX/XXXX  for the amount of {$1900.00}. I did not authorize this transactions and was unaware of it and I did not authorize anyone else to use my ATM/Debit card in any way. 


Pursuant to the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of unauthorized transaction. See especially 12 C.F.R. 205.6, 205.11. the amount should be fully credited back to me. 

But Citibank , N.A . ( My bank ) sent me a letter that I am responsible for the unauthorized and fraudulent charge. 

Citibank Dispute ID # : XXXX This is an illegal act by Citibank and I should get my money back. 

I am attaching a copy of each of the following documents to this letter : A copy of my Identity Theft Report which includes : My FTC Identity Theft Report The police report about the theft of my identity The letter from Citibank stating that I am responsible for the fraudulent charge and they will not credit my account.
Product: Vehicle loan or lease

To Whom It May Concern : My name is XXXX XXXX XXXX and I am writing in regards to a credit dispute that was wrongly put on my report and my wifes, XXXX XXXX XXXX, report. 

Our issue is with US Bank. They hit both of our account for late payments for a leased vehicle that we traded in. I tried several times calling them and discussing this issue and they refused to provide any help at all. 

At the time they hit my credit report with this false claim my score was XXXX, and now it is XXXX. 
At the time they hit my wifes credit report with this false claim her score was XXXX, and now it is XXXX. 

We traded in our lease vehicle with US Bank on XX/XX/XXXX with XXXX XXXX. XXXX XXXX sent US Bank a certified check for the amount of the loan. At this point we no longer had possession of the leased US Bank vehicle. 

We then began paying the new lease payments to XXXX XXXX, all on time and full payments. Fast forward three months, and US Bank hits my bank account saying they have not been receiving payments. 

Multiple times during this time period I called US Bank, or had them call me, and told them about all the details and they assured me nothing like this would happen. 

When we got hit with the credit claim, I dug into it and found out that the first check that XXXX XXXX sent was int eh wrong about. It took US Bank 2 weeks to send this back to XXXX XXXX. XXXX XXXX then corrected the check and sent it with certified mail back to US Bank. 

At this point US Bank received the check on XX/XX/XXXX. US Bank then set on the check for almost three weeks, not cashing it until XX/XX/XXXX. 

The prior to paragraphs can be verified by XXXX XXXX as they provided me those dates based on the certified mail received date and the check cash date. 

Hopefully the above information is enough for you to see the US Bank handled our claim very very badly. I would be very interesting in filing a claim against them if that is possible. My credit is now poor when 3 months ago it was at XXXX. 

I hope to hear from someone soon. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT LISTED WAS OPEN FRAUDULENTLY I DID NOT OPEN THIS ACCOUNT SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA & # 39 ; s. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Mortgage

After an escrow analysis done by round point mortgage company back on XX/XX/XXXX my payment went up by {$550.00}. On XXXX my payment was still the same as the past 7 months {$2800.00}. But in the following three months went up as follow : XX/XX/XXXX ... ... {$3400.00} XX/XX/XXXX ... ... {$3400.00} XX/XX/XXXX ... .... {$3300.00} The first time that I contacted customer service was back in XXXX. Customer service told me it was because there was an XXXX XXXX XXXX XXXX I added with XXXX. I contacted XXXX XXXX immediately, they used to be my insurance company the previous year ( XXXX ) but I switched to XXXXXXXX XXXX XXXX XXXX XXXX since XXXX Prices went up. XXXX confirmed that my policy was cancelled on XX/XX/XXXX and provided me and Round Point with the cancellation documentation. 

From the dates XX/XX/XXXX to XX/XX/XXXX my insurance company was with XXXXXXXX XXXX XXXXXXXX. My policy amount was {$2700.00} and that was added to my escrow with Round point and they sent payment to them. 

On that XX/XX/XXXX Escrow analysis that Round Point did, I noticed that XXXX was added back in my Loan. I talked multiple times with customer service with round point, and told them about the issue and about my payment increase. Till this date all Round point has done is " INVESTIGATING '' my case with no solution. They order a new escrow analysis and escalated my case I don't know how many times. I do know that I've spent hours in the phone with them. 

I sent multiple emails with all the paper work from XXXX, XXXX, and no results. I talked on the phone with them ( XXXX and XXXX ) and asked them to sent Round point a copy of the cancellation paper work to see if that worked but haven't hear from them. In two days a fourth payment of {$3300.00} will be withdrawn from my account, making my extra payment more than {$2000.00} that I'm not responsible for. 

I talked to my Realtor about this issue, and her title company lawyer suggested to file a complaint with you. Hopefully I can get this issue resolved before I ran out of my savings money to cover their error. 

Thanks!
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 XXXX  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

Remove these inquiries, as I have no information about them, and the company conducted them without my consent.
Product: Credit reporting or other personal consumer reports

report number XXXX for dates XX/XX/XXXX  & XX/XX/XXXX  requested proof of being late on this account. 
response was " we have validated and verified with the original creditor that the late payment in question is accurate ''
Product: Mortgage

since XX/XX/2022 my loan company has not taken my payments or booked my modification. I signed a document for my modification and they will not book it with my payments. They have to resolved the issue in the last 3 months.
Product: Credit card or prepaid card

Bank of America allowed a credit card be opened without my knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Pursuant to section 605B you must remove the fraudulent inquiries. I have included FTC report # XXXX along with a cover letter and drivers license and utility bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous requests to this agency asking for their method of verification for bankruptcies on my credit file. The company continues to respond that they are investigating my dispute. This is not a dispute! Im asking for the method used in verifying the information and the name of the furnisher of the information that they are reporting. They have previously stated that the information was provided by the bankruptcy court or XXXX XXXX. I have yet to get a direct answer from this bureau as to how they are verifying the information. I have documentation from the bankruptcy court that they do not supply bankruptcy information to the credit bureaus. Therefore, to say that they verified any information with the bankruptcy court is not true. I also followed up with XXXX XXXX and the information they have is also not matching up with the credit bureau report. I have attached these documents for the credit bureau to review each time. Yet they continue to state they are investigating my dispute. This is NOT a dispute and should not be treated as XXXX. I want the direct method they are using for verification and the name of the direct furnisher of the information because its not the bankruptcy court or XXXX XXXX.