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

otice to Correct Credit Report Dear __________________ Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

Item Number Company Name Account Number Comments 1.XXXX XXXX 2.XXXX 3.Ally 4.XXXX  Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX Name XXXX XXXX XXXX Address XXXX, Mi XXXX Town, State and Zip XXXX Social Security No XX/XX/1972__________ Date of Birth
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allowed their security system to be breached, exposing 143 million persons ' information. However, they are charging {$30.00} to freeze my credit report and protect myself from their negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent Ally letter asking that late payments be removed as we did not agree with late payment reports, they mailed back letter saying they would not change anything they agree with what was reported, after I sent letter they locked me out of my online account so I could not get in and make my payments, when you call you have a hard time getting someone who speaks or understands English. They always say we will look into it and get back with you but nobody ever does.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a XXXX  I was doing online classes through XXXX XXXX college. I was able to receive student loans to pay for my classes. My loans monthly payment amounts were minimal amounts that were paid every month. After being hired by the local XXXX XXXX, I qualified for a loan deferment plan. This plan allows my loans to be deferred every year up to ten years. Due to a time delay in the deferment processing in XXXX of this year my accounts showed late payments of 90 days. I was told all late payments would be removed from my credit report in approximate 30 days, but the late payments are still reporting. This has dropped my credit score about 70 points and has really hurt me trying to obtain credit for a new home and new vehicle. I would love to have this issue resolved as soon as possible. I have tried disputing these inaccurate accounts with the credit companies, but have not gotten anywhere.
Product: Credit card or prepaid card

On XX/XX/2020 XXXX XXXX I received a phone call from the Anerican Express Serve company, my caller ID SHOWING ( XXXX ) same exact number shown on the back of the American Express serve card. Telling me that my card had been compromised and that I have charges coming in from Florida for {$80.00} {$60.00} and another charge of ( Im not sure., ) Did I do these charges? I stated I was in Colorado and absolutely not!!! I did not do those charges. The gentleman then stated he was shutting my card down immediately, and that they would be sending me out a brand new card in a 24 hour period. He stated I have nothing to worry about and they caught the fraud in time. I checked my account, and at that point all of my money was still inside my account. In the morning on XX/XX/2020 my money was still in my account on my American Express serve account # XXXX. Around XXXX XXXX on XX/XX/2020 I received a email from American Express Serve stating that my Password had been changed and asked if it was me who had changed it, if not I was to contact them immediately through the telephone. I called their XXXX and was on hold for over two hours during this time I went back and looked at my emails and I received a new email from American Express Serve stating that my transfer was a successful at XXXX and {$520.00} had been taken out of my account and some kind of a transfer to a unknown name of which I did not do! The name was XXXX XXXX ... I DO NOT know this name, I know nothing of this person and I did not do this transfer! I spent 5 1/2 hours waiting for American Express Serve Fraud department to answer, once they answered I spoke to a XXXX ( not sure how to say or spell ) she stated that she would report the fraud and that I would be receiving a phone call from somebody else with a record number, during this time I received a phone call from a XXXX  from American Express serve giving me a fraud number of XXXX. And then she proceeded to tell me they have 10 business days to investigate the fraudulent charges and would be emailing me back with an answer of what they had come up with the results. On XX/XX/2020 I received two emails From American Express Serve stating they had done their investigation and they have determined no error occurred at that transaction question and was authorized. Therefore the transaction is not eligible for credit to my account. I have filed a police report # XXXX and # XXXX With The XXXX Police Department. I have also filed a report with the XXXX XXXX XXXX FDIC, and all three reporting credit bureaus for fraud. I have wrote a certified letter to American Express Serve asking them to explain why my fraud claim was disregarded and how they came up with their decision, along with the proof of why the transaction was considered legal? when it was not.
Product: Mortgage

Our mortgage was transferred to Fay Services from XXXX XXXX XXXX as of XXXX/XXXX/16 due to us being behind on payments. On XXXX/XXXX/16, we made a payment of {$1800.00} which cleared our bank on XXXX/XXXX/16. On XXXX/XXXX/16 we made a payment for {$1800.00} which cleared our bank on XXXX/XXXX/16. On XXXX/XXXX/16 we made a payment of {$1800.00}. This check was sent back to us with a letter stating that they could only accept the full balance due for payment. Our XXXX/XXXX/16 statement had a balance due of {$6700.00}. On XXXX/XXXX/16, we sent a payment for {$6700.00} paying the balance in full as the letter requested. On XXXX/XXXX/16, we received a check from them in the amount of {$1800.00} refunding our XXXX/XXXX/16 payment. To date they have not applied the {$6700.00} payment and have put our house into pre-foreclosure. I called on XXXX/XXXX/16, when we received the check in the mail. I left a message for our account manager, and he still has not called me back as of XXXX/XXXX/16. I finally got to another representative on XXXX/XXXX/16, who hung up on me in the middle of explaining our payment application issue. My husband called on XXXX/XXXX/16 and left a message for our account manager and has not received a call back either. He spoke to another representative who said he would look into our {$6700.00} payment and call him back by the end of the day. He did not receive a call back. I checked our account online this morning, and not only have they not applied the {$6700.00}, but they have put a property preservation notation on our account for the pre-foreclosure. In addition, they told my husband we would owe additional late fees for the money that they returned back to us. Our XXXX/XXXX/16 statement shows a late payment will be assessed if the full balance of {$6700.00} is n't paid by XXXX/XXXX/16. They are holding onto our funds to accrue late fees, and sending payments back so they can continue to refuse payments for payment not being paid in full.
Product: Debt collection

This is a response for National credit system complaint # XXXX. National credit system said in response theyre a 3rd party debt collection confirms I never signed a contract with National credit system. no knowledge. National credit system also said that the charges were not assessed by National credit system. If national credit system did not assessed these charges how do they know if I actually owe this and they are the ones reporting to my credit. CRAs what is that? If national credit system has an account with my name on it and also want to collect they would have to provide information and verify by law. Also the information that was attached on this response can not be pulled up. Document that I need to fully verify this account.

1. The amount of debt 2. The name and address of the original creditor 3. The date of the last payment 4. The date of the default 5. Proof that the statute of limitations has not expired 6. A detailed accounting of all fees and interest added to the debt 7. Assignment contract 8. My social security number to verify its me.

15 u.s code 1692g
Product: Debt collection

This is a second complaint again st ATG C redit for another account they recently added to my credit report. I received no notice that this was being added to my credit, I only found out about this account when I discovered they had already reported it to my credit. The account number according to my report is "  XXXX  '' and the balance is {$6700.00}.     I do n't know what this debt is for but this is not only time a company has come after me for this debt. I have already dealt with  XXXX  other collection companies who are also actively pursuing me for the same dollar amount on a debt that is not mine.  XXXX  of them was called  XXXX   XXXX   XXXX  with an account number of  XXXX  and another collection company was called  XXXX   XXXX  with an account number of  XXXX . They are also reporting this same account on my credit report. I am including a screenshot from a recent report which shows how these other  XXXX  collection companies are reporting this same debt on my credit. I do n't understand how this is even possible. How can this company decide not to send me a notice of a right to dispute this debt AND report this debt again on my report for a third time??? I have never been provided with validation of these accounts from any of these companies. What scam are these places trying to play on me?
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information that your bureau currently holds in my credit report. This information is incorrect and constitutes a violation of my rights under Title 15 of the U.S. Code 1692.

Specifically, Title 15 of the U.S. Code 1692, which deals with the Fair Debt Collection Practices Act, prohibits debt collectors from using unfair or unconscionable means to collect or attempt to collect any debt. It has come to my attention that your bureau has reported accounts that are inaccurate and misleading, thereby violating my rights under this law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is continually reporting a XXXX XXXX account inaccurately. In the payment history for this account it shows it as 180 days past due for consecutive months. This false reporting is damaging my credit reputation. Similarly, they are reporting a XXXX XXXX account as charged-off for consecutive months as well. This is illegal as this is false reporting for which they are willfully being non-compliant in correcting this.
Product: Money transfer, virtual currency, or money service

I submitted a complaint to XXXX on XX/XX/2021 detailing XXXX XXXX 's fraudulent activity towards my account ( Complaint XXXX ). XXXX improperly closed the complaint upon receipt of an irrelevant response from XXXX XXXX. XXXX XXXX 's response contained no facts related to the complaint and referenced an unrelated money transfer. 

Please reopen the complaint XXXX and compel XXXX XXXX to respond to the specifics of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting inaccurate and unverifiable information on my credit profile. I have reached out to dispute this information and they said the information was verified. I have reached out the court and they furnished me a letter stating they have not verified nor reported any information any credit reporting agencies.
Product: Mortgage

This complaint is targeted towards the lender who holds my loan, XXXX XXXX XXXX - the main problem is this lender is aggressively trying to foreclose this loan, despite me showing my ability to abide by a recently-terminated repayment plan - timeline below : Late XXXX : Borrower falls behind in Mortgage, due to unexpected dip in buisness revenue, combined with having to pay recently-hired staff out of personal funds ( held off Mortgage a few months in order to make payroll ) ; Early XXXX : Business revenue begins returning to prior levels, and laid off staff ( only use part-time 1099s now ), kept ( & continues to keep ) expenses low XXXX XX/XX/XXXX : Borrower tries to get loan modification on his own from lender XX/XX/XXXX : Lender rejects loan modifocation XX/XX/XXXX : Borrower contacts law firm for representation to get loan reinstated by lender XX/XX/XXXX : Lender rejects modification submited by law firm XX/XX/XXXX : Borrower meets w/law firm to begin bankruptcy preparation XX/XX/XXXX : Bankruptcy filed XX/XX/XXXX : Borrower completes credit counseling XX/XX/XXXX : Borrower begins bankruptcy payments to trustee ( has kept these current, even though amount has been adjusted upward 3 times ) ; XX/XX/XXXX : Borrower begins making mortgage payments to lender again ( did not realize when he should start, since statements are no longer sent ) XX/XX/XXXX : Lender informs Law Firm of payment defieciencies ; new agreement crafted with provisions to make up XXXX - XXXX misssed payments XX/XX/XXXX law firm informs borrower of new monthly requirements, borrower misses this update XX/XX/XXXX : Lender informs Law Firm of borrower 's failure to make up payment deficencies ; ( Borrower still making orginal payments every Month ) XX/XX/XXXX : Law Firm again alerts Borrower that Lender claims Borrower is failing to keep up with payments ; Borrower submits proof of payment ( XXXX - XXXX XXXX, still not realizing that additional monthy amout has been contractually agreed upon ; XX/XX/XXXX lender cancels agreement, moves forward with foreclosure process XX/XX/XXXX - Borrower finally realizes additional montly committment, asks law firm to contact lender to be allowed to bring agreement into complliance XX/XX/XXXX : Counsel for lender returns message that request to reinstate was denied Based on the latest calculations as of XX/XX/XXXX, a total of XXXX XXXX rough estimate, based on extra {$680.00} not being paid from XX/XX/XXXX - XX/XX/XXXX XXXX would bring the loan back current with the terms that were signed as of the XX/XX/XXXX agreement. The borrower is willing to reconcile this with one payment ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have 19 inquiries reporting on my credit report on Experian that are without a firm line of credit. I have circle all 19 inquires on my credit report and included them as an attachment below. Credit bureaus may only report inquires that are 1. FIRM LINE OF CREDIT * ( result of open acct only ) 2. COURT ORDER 3. LEASE AGREEMENT * ( result of apartment rental application ) 4. EMPLOYMENT These inquiries are do not have a firm line of open credit connected to them. 
The FCRA Law require everything on your credit report to be accurate, valid and complete. These 19 inquiries should not be reporting on my Credit Report.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORT. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
13. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
14. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted my dispute letters for the erroneous information on my credit report. I have not received any response or validation in over 30 days. And the items are still on my report and have not been removed as the law states.
Product: Debt collection

I received an alert from XXXX XXXX showing National recovery agency has reported a debt that they alleged I owe from XXXX, I never received any notice to dispute the validity of the debt, also they have the opened date as XX/XX/XXXX. On the credit it is showing that XXXX XXXX is the original creditor, which they failed to bill the secondary insurance. 

National Recovery agency is not licensed in the state of Maryland to collect, per Maryland guidelines you have to be licensed in the state of Maryland in order to collect a debt.
Product: Money transfer, virtual currency, or money service

They close my account down for no reason took the money that I had in there for no reason and didn't give me my money back
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I got hit with a late fee. The reason for this is because I never got the bill and it kept going to my spam folder. I had called XXXX about this matter and they said if I made the payment and paid the account off in full they would remove this late fee as good faith since i've NEVER been late. For some reason they did not remove the late fee on my credit report which is the current situation. I have tried to call them a few times about this manner and they seem to not know what there doing and giving me the run around.
Product: Checking or savings account

I have requested to close my albert account since XX/XX/2022. They refuse to close my account or transfer any money out of my account claiming " Our team is actively working on this. Once we have an update, we'll reach back out. We appreciate your patience as we continue to work on this '' I have asked what they are working on : 1. The reason why my ACH deposit was returned 2. Why they have not documented my when I have requested a dispute?

3. Why they are not withdrawing funds?

4. why my account is still open? 

I get the same generic response. 

I have no notification of funds being help or why my account is not closed or " suspended ''
Product: Money transfer, virtual currency, or money service

they told me I could not have access to my funds, although i had the debit card in my possession, obviously the perps are close by to me because they came to me and stole pin while I wasn't looking. 

I called and they asked me to verify my identity and asked for a copy of my drivers license which I submitted, they claimed they didn't receive it but I noticed that they were using it and did not give me my XXXX I am still waiting for a check for XXXX from them.
Product: Money transfer, virtual currency, or money service

The Revolut XXXX continues to deny my correct Social Security Number in the new account verification process and make my new created account unavailable to use.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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