23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

4th request, XXXX XXXX XXXX or now called Dovenmuehle Mortgage, has been asked numerous times to fix my XXXX credit report and make it consistent with the other XXXX credit agencies. They fix it, then they change it, and again they 've done one more time ... .I do n't like the vindictive games they play. These games have forced me to unfairly pay real money for a higher rate on my new mortgage. I 've asked them 50 plus times to fixed this, most recently, on XXXX/XXXX/XXXX, I asked that they once again remove the FLASE sentence " Settled - Less than full balance. '' I 've been dealing with this since the closing back in XXXX ... Now almost two years later they still are power play games with the information. You helped to finally make progress on the matter, but they still have not taken your words seriously enough. I am submitting another request because they now have once again made the credit report worse by wrongly adding in late payments as illustrated in my XXXX/XXXX/XXXX XXXX Credit Report, which is now worse than the report on XXXX/XXXX/XXXX. I do n't want to force the issue of fines and penalties ' on XXXX but sincerely they 've cost me real money by the not taking the matter of correcting my report seriously.
Product: Credit card

In early 2020 my identity was stolen, I called all my Synchrony accounts and had them put on hold. I was promised that I would not be charged for anything I did not purchase. Since that time I have been complained to Synchrony SYNCB/Amazon that I did not make these charges, but they still filed a complaint on my credit report due over 90 days. The amount is {$870.00}, as at the time I had canceled SYNCB/PAYPAL, SYNCB/LOWE 'S, SYNCB/HOMEDEPOT , SYNCB/AMAZON AND several other just through SYNCB ? The number I was given on the back of my credit card was in a foreign country, I could not understand their English and they could not understand me.
Product: Debt collection

Midland Funding has inaccurately reporting on both my XXXX and XXXX credit reports. I never established any contract with this company and they are trying to collect a debt I do n't owe them and they are in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is no sufficient information to support Equifax 's claim. I have no financial obligation to these companies. I disputed this information last month but not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX  XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX  ) XXXX, XXXX/XXXX  ( Original Creditor : XXXX  ) XXXX, XXXX/XXXX ( Original Creditor : XXXX  ) XXXX, XXXX/XXXX  ( Original Creditor : XXXX  ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX  ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX   XXXX XXXX ) XXXX , XXXX ( Original Creditor : XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Subject : Urgent Removal of Inaccurate Debt from Credit Report Pursuant to Applicable Laws Dear Sir/Madam, I am writing to dispute an erroneous debt that has been reported on my credit file, which I believe is in violation of relevant laws and regulations. After a careful review of my credit report, I have identified a debt that does not belong to me, and I kindly request your immediate action to rectify this inaccurate information by removing it from my credit report. 

I would like to bring your attention to the following details regarding the incorrect debt : Creditor : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Amount : {$5500.00} Date of Inclusion : XX/XX/2022 Please also remove all unrelated Address 's and Phone # 's other than the heading. 

As per my understanding of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate, outdated, or does not belong to me. Furthermore, the FCRA requires credit reporting agencies to conduct a reasonable investigation within 30 days of receiving a dispute notice and remove any inaccuracies promptly. 

Therefore, I request the following actions from your end : Conduct a thorough investigation into the disputed debt and verify its accuracy. 
Provide proof of validation for the debt in question, including documentation that demonstrates its legitimacy and ownership. 
Notify me promptly of the results of your investigation within the legally mandated 30-day timeframe.

If it is determined that the debt is invalid or inaccurately reported, remove it immediately from my credit report. 
Furnish me with an updated and corrected copy of my credit report reflecting the removal of the incorrect debt. 
Please note that the presence of this inaccurate debt on my credit report has adversely affected my creditworthiness, causing undue harm and potential financial repercussions. It is crucial that you take prompt action to address this matter and restore the accuracy of my credit report, in full compliance with applicable laws. 

Thank you for your immediate attention to this urgent matter. I expect a timely resolution and the removal of the inaccurate debt from my credit report, as mandated by the FDCPA and FCRA. Failure to comply with these legal obligations may result in legal action to protect my rights under these laws. 

I anticipate your cooperation and appreciate your swift action in resolving this dispute. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I applied for a Citi bank checking account and completed bonus requirement for {$3000.00} direct deposits while back and still havent got the {$320.00} bonus yet. When I inquired from Citi Bank about the bonus I received a response from the Citi bank executive team below regarding complaint The direct response that I received from Citi Bank was that I qualified for the bonus, and it will be deposited to my account on or before XX/XX/XXXX. 

They havent kept the promise, and the bonus has not been deposited as of today and when I inquired about the bonus last week, The Citi bank rep told me that I qualify for the bonus and that she will investigate the matter and then I received a correspondence from Citi Bank this week that I am not qualified for the bonus. 
I want to emphasize that Citi Bank executive team rep and the customer care gave me false information and I keep sending {$1000.00} direct deposit as of today due to false info that I received from the Citi Bank reps including one from Executive team. 
I visited Citi Bank office in XXXX to inquire about the bonus and manager XXXX XXXX inform me that he can see his internal notes that I qualify for the {$320.00} bonus from the previous communication that I had with Citi Bank.
Product: Credit card or prepaid card

I received an alert through XXXX XXXX notifying me that I had a new card on my account. I knew I did not apply for a card anywhere and the card says it was for XXXX XXXX I then received a paper statement in the mail showing what purchases were made and the location. I don't even have a XXXX XXXX near me or did I open the card when I have plenty of other cards. I am also a XXXX year old women who would not buy a ton of mens suits and jewlery.
Product: Checking or savings account

I had an existing CD with Ally Bank that was maturing on XX/XX/2022. I attempted to manage this maturity via the Ally Bank Web Portal numerous times both prior to and post maturity of the CD, but the Ally Bank Web Portal would not save my instructions. I attempted to call Ally Bank at XXXX numerous time during the 10 Calendar Day Grace Period. Wait times were always in excess of 30 minutes and I could not get thru. My objectives was always to renew this CD with Ally Bank for 13 months at a 2 % APR. Instead, I was automatically renewed into a 5 Year CD with an APR of 2.95 %. I finally got thru to a human being at the Ally Bank on Monday XX/XX/XXXX ( after a 25 minute wait ) and was told " that there was absolutely nothing that Ally Bank would do ''. I was put on hold multiple times and asked to speak with a Supervisor. After another XXXX minute wait, I was transferred to XXXX ( XXXX XXXX XXXX ). I was told that my only options were to stay in the 5 year CD or pay an early withdrawal penalty of {$7400.00}. 

It seems like Ally Bank makes it virtually impossible for a Customer to " Manage Their CD '' and then elects to put them into whatever product that best suits Ally Bank I have been a loyal customer of Ally Bank for nearly 13 years. I am incredibly shocked by this treatment and can not believe it is legal
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Tx. XXXX XX/XX/2023 To whom it may concern, This is an investigation request letter. I recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate with all the credit breaches happening. I asked that certain items be investigated when I saw that the creditor has reported on my consumer report information inaccurately. 
I am writing to request a detailed description of the investigation process carried out by the three-credit agencies regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681I ( 7 ).

Under Section 15 USC 1681I ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

1. [ Name of Account & Account Number ] : Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately.

2. [ Name of Account & Account Number ] : Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately.
Product: Debt collection

Diversified Consultants, Inc. had a derogatory account on my credit report for an account belonging to XXXX. I am a victim of identity theft, I've already disputed the validity of this account and it has been removed from my credit profile twice. I recently moved and now I am once again starting to receive harassment via telephone and now U.S. mail regarding a debt that is not mine. Furthermore I have NEVER done business with Diversified Consultants therefore they have no right to contact me or harass me for a debt that is not even owed to them. The account number on the notice is XXXX and agency reference number is XXXX. The amount Diversified Consultants is threatening to damage my credit over is {$220.00}. Again, I have no business with Diversified Consultants, never have and I do not owe a debt to them or XXXX. I would like for them to discontinue contacting me and to leave my credit profile unbothered.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). This account may not be reported as unverified information without providing any supporting information within the legally allowed time range. The account is shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This was a car load with XXXX XXXX XXXX in XXXX XXXX XXXX  account number ( XXXX ) XXXX The original amount of this account was {$27000.00} it was open XX/XX/XXXX and my last Paymen was in XX/XX/XXXX after I made the last payment the rep congrats me and told me you will get your tittle after couple of days they start calling me that I owe {$300.00} and is late I come in and paid it off but my issues is I was impacted with Covid I lost everything I was struggle to feed my family they even give me a break on the payments thats how I gat into the two late payments which I keep call them about I was told they put it in the system already is not going to be count against me the other once I lost my job but still manage to make the payments all the is with a 30 days grace period this is really counting against me since now am trying to put my family in a home
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX, XXXX, XXXX  XXXX, XXXX  XXXX, XXXX, XXXX  XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX, Dept of ED/XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX reported to the Equifax that I applied for credit I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation of my Consumer protection rights.
Product: Payday loan, title loan, personal loan, or advance loan

I was given a check through the bank " XXXX XXXX  '' of XXXX Texas and Instructed to take the check to becu " to create a papertrail. '' Being that it was not disclose to me in that order.
Product: Mortgage

I sent Planet Home Lending a FOIA request for documentation showing where the funding came from to fund the mortgage loan we have. The documentation was delivered to the address at Planet Home Lending in XXXX, CT on XX/XX/XXXX. Nothing has been received from them. 

The request was filed with them for personal knowledge to find out where the funding for the mortgage came from, if they collateralized the loan note, the original promissory note, and to show any documentation as to if they purchased the mortgage from XXXX Mortgage or if it was transferred to them. 

I understand that there is 20 business days for them to respond to the FOIA request. However, 20 business days would be either XX/XX/XXXX or XX/XX/XXXX. I am writing this complaint to ensure that there is a proper response from Planet Home Lending as they have failed to respond to the initial request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two Synchrony Bank account were disputed through XXXX on XX/XX/XXXX because the balances were paid in full through the courts on XX/XX/XXXX. 

On XX/XX/XXXX disputes were returned and data in my XXXX credit report was updated. 

Experian changed the charge off date on an account that was originally reported as charged off in XXXX of XXXX to XXXX of XXXX with the information they received from Synchrony Bank. 

The original, correct reported information before my dispute showed the account was charged off by Synchrony Bank and reflected on XXXXXXXX  credit reports in XX/XX/XXXX. 

On XX/XX/XXXX once the dispute made through XXXX  was complete, the charge off date changed to XX/XX/XXXX. My late payment history changed from 2+ years to 0 months, and dropped my credit score 30+ points. 

The account original charge off date was not being disputed in my initial dispute made through Experian. The only thing being disputed was that the balance was paid in full, but did not reflect on my credit reports. 

The erroneous information Synchrony Bank furnished to XXXX  and published to my credit report changed my accounts XXXX and deletion/purge date on my credit report. This is illegal re-aging. The false information listed on my credit report has significantly hurt my credit scoXXXX and caused various amounts of undue stress to me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX {$550.00} US DEPT ED XXXX {$4800.00}
Product: Checking or savings account

XX/XX/year> I deposited my husband 's payroll check from XXXX in the amount of {$1500.00} at the branch. I then receive an email stating my funds was on hold and would not be available until XXXX XXXX. We have kids and bills. This is unacceptable. It's a payroll check.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is posted two times, once on the date of the XXXX  and again on the date of XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - date of XXXX  The Accident dated XX/XX/XXXX was 100 % not my fault, the other driver rear ended me and I won a settlement in the case for the other driver 's neglect. 

XXXX XXXX
Product: Credit card

I have a Macys American Express card. In XXXX XXXX, I noticed that there were XXXX charges listed on statement that were fraudulent charges ( XXXX purchases from XXXX store that were shipped to XXXX, but I live XXXX ). I called Macys immediately and was told to file a " Statement of Fraud '' and send to the Fraud Investigation Department. I filled this paperwork out and faxed to Macys on XXXX/XXXX/XXXX. I followed up and was told that paperwork was received and my credit card would be cancelled. I specifically told Macys in my phone call and on the letter that was faxed with the fraud report that I did not want another card and wanted this current credit card cancelled immediately. I thought all was taken care of, but continued to receive a statement from Macys showing the fraudulent charge as outstanding, however, there was no interest or minimum payment due, so I figured that eventually the balance would be taken off since was fraudulent. 
I called Macys on a number of occasions to ask why I kept receiving this statement with an outstanding balance, and they assured me that the card had been closed out and the balance would be taken off. In XXXX XXXX, the statement started to show a minimum payment due - as if I was supposed to start making payments on the fraudulent balance! I called the Macys ' fraud department on XXXX separate occasions after receiving this statement and was put on hold and eventually disconnected. I could not reach anybody at the credit company. On XXXX XXXX, XXXX, I drove to Macys at XXXX XXXX XXXX to speak with a manager. The manager took me in a room and place a phone call to the credit department and handed me the phone to speak with the person on the phone. 
The manager left and I never saw her again. In the meantime, I was place on hold and eventually spoke with a lady named XXXX # XXXX who indicated that she was in the XXXX location. I explained to XXXX my problem, and she put me on hold for XXXX minutes. Eventually she got back on the phone and told me that I would be receiving a letter stating that my account had been cleared. It is XXXX XXXX, XXXX, and I have not received this letter, however, I just received a statement from Macys American Express with a NEW credit card account and the balance from the card that had fraud has been transferred to the NEW Account! The NEW account is showing that I have a past due amount. I never gave Macy 's permission to open a new credit card in my name and I specifically told them in telephone conversations that I did not want a new account and I wanted the old account closed immediately. I have been on some forums and realize that there are many people who have had this problem with Macys credit, and I am concerned that my credit score will be affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act # numbers XXXX XXXX, and XXXX XXXX  XXXX, have 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 states a consumer reporting agency can not furnish a account without my written instructions
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. XXXX  Account name : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit reports from all three credit bureaus and to my amazement I noticed many late payments on an old CLOSED account that I was NEVER late for. This same account shows PAID AS AGREED on my report just one month prior. Also, not only is this reporting as inaccurate late payments on my credit reports, but this erroneous account is showing TWICE on my report as a duplicated account on my credit report! I have attached both the inaccurate account and the duplicate that is reporting. I have also attached the same account that shows PAID AS AGREED/NEVER LATE. 
I demand that you reverse this account immediately to PAID AS AGREED as I was never late on this account.

Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified to PAID AS AGREED on my credit file.