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

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/18 I sent a certified letter to Capital one requesting validation of a debt that they claim I owe. On XX/XX/18 I sent a second certified letter requested validation to no avail. I requested validation pursuant to the FDCPA. I requested validation that is competent evidence bearing my signature, showing that I have or ever had some contractual obligation to pay them. Both debt validation letters were ignored. I have copies of returned certified receipts see attached. signed received on XX/XX/18 and XX/XX/18. On XX/XX/18 Capital One sent me a letter by FEDEX from account manager XXXX XXXX threatening me with a law suit. Capital One failed to validate this debt as I requested Capital one violated the FDCPA by not making this debt as DISPUTED within 30 days. Capital one continues to harass me about this account. I got a notification that my disputes were completed. I pulled my XXXX report on XX/XX/18 and XXXX on XX/XX/18 and noticed that not only were they not deleted but Capital One continue to report that I owe this debt. of {$6000.00}. I can prove that Capital One owe me damages of {$1000.00}. per part XXXX of the FDCPA. I have attached all of my supporting documents which continue to validate the debt without proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a chapter XXXX bankruptcy listing on my file and several accounts listed in the chapter XXXX listing, I want proof of this listing as I never recall filing this. Also unauthorized inquiries and an account that I was never late on. I am enclosing a letter of detailed explanation.
Product: Checking or savings account

On XX/XX/XXXX, I purchased materials for my deck from XXXX 's for {$2100.00}. On the same day, a charge of {$190.00} was posted to my account from XXXX 's. On XX/XX/XXXX, a charge of {$14000.00} was posted from XXXX 's. On XX/XX/XXXX, a charge of {$500.00} was posted, causing my account to become overdrawn by {$530.00}. All three charges were pending on the same day but were posted over the next few days. These circumstances prove that Truist Bank structured these charges to generate an overdraft fee. I believe that this is a deceptive practice and that Truist Bank has done multiple times in the past.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting an inaccurate Bankruptcy on my credit report i have asked on numerous occasions to fix the problem and they keep coming back as verified and correct with XXXX i have attached a copy of my XXXX which doesn't show a bankruptcy being reported and unauthorized credit inquires removed
Product: Credit reporting or other personal consumer reports

DELETE HARD INQUIRIES : XX/XX/XXXXXXXX XXXX XXXXXXXX TransUnion XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXXXXXX XXXX TransUnion XX/XX/XXXX XXXXXXXX XXXX TransUnion XX/XX/XXXX XXXXXXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX Transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

Below is the dates and the tracking numbers to the disputes I sent to transunion to delete some accounts and credit inquires that I did not apply for and accounts that aren't mine. Transition has not responded back to me or proved that it was me that applied for credit or accounts. 
XXXXTracking number : XXXX XX/XX/2021 Tracking number : XXXX XX/XX/2021 Tracking number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted CITIZENS BANK NA & they told me I've never missed a payment, yet XXXX and XXXX refuses to update me from being listed as XX/XX/XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX and XXXX job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to update these damaging negatives from my profile. 
CITIZENS BANK XXXX Date Opened XXXX XXXX, XXXX Balance : {$280000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a small business revolving charge/Credit Card account that was opened by my XXXX. Unfortunately, it is attached to my Social Security number, and is showing on my XXXX, XXXX XXXX, and Equifax reports. I have asked the issuing bank to assist, they tell me that I must reach out to the credit reporting bureaus. I filed complaints with both banks and was denied by XXXX  and Equifax. The business account is still on my personal credit report and is dragging down my personal credit score. XXXX XXXX removed the account without issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Monday, XX/XX/XXXX, I attempted to get service from XXXX XXXX in my name. They placed me on hold to check my credit. After a while, they returned and said that they had pulled the credit report with Equifax and found out that there was a block on my credit. Since I had no idea why my credit report would be blocked being that my credit rating is XXXX A, I was told by XXXX XXXX   to contact Equifax and ask them to unblock my account. By this time it was approximately XXXX XXXX I called Equifax and got a recording saying that the system was being updated and to call back the next day. 

When I called Equifax the next day, my husband was with me. We got a recording again saying to call back in 30 minutes because the system was being updated. After 4 or 5 times of calling and getting the same message again, we managed to get hold of a live person. After giving her my social security number, full name, date of birth, current address, several previous addresses, she went on to ask for all my credit cards, balances and credit limits. After giving her all the information I had available, and more, she said I had flunked the security question. When I told her she had never asked me the security question, and what was the security question, she refused to tell me what the security question was and said that I had flunked it already anyway. We asked to speak with a supervisor. She said there were no supervisors available, and to call back in half an hour. This went on for most of the day, with the same results. 

After all the above failed attempts, we called back and managed to speak with a very helpful rep called XXXX. He asked for my personal information and then told me the system was down. I told him about all my previous calls and how frustrated I was with having to answer all the extraneous questions about all my previous addresses, credit cards, etc.. He said he would only needed me to answer one additional question to identify myself, which I did. He then said that the previous people I spoke with should have told me right away that they could not unblock my account because the computer was being updated, instead of putting me through the third degree with all the questions that were totally unnecessary. He apologized for all the other reps. I asked him if, since I had already made so many calls and gotten the same responses, if a supervisor could contact me when the system was up and running again. He said it could be arranged, and went ahead and arranged for me to get a call back by COB Wednesday, XX/XX/XXXX. 

No supervisor called on Wednesday. My husband and I then proceeded to call back today ( Thursday ) again, only to go through the same situation all over about answering a million questions to prove my identity, being put on hold several times, and finally telling us to call back in two hours because the system was still down. Rather than continuing with this harassing game, we decided to call your office directly and spoke with your very helpful representative called XXXX. XXXX advised us to fill out this form and submit it.
Product: Mortgage

I was scammed due to their leak of information on or around XX/XX/XXXX. I lost a {$1000.00} in money orders, they state they never received. I'm told there is nothing they can do. On XX/XX/XXXX, I sent {$1300.00} in money orders, over night, to them. Trying to reach this service is unbearable. I have been put on hold every time I have called, up to an hour or longer. I called to make sure they received the next money orders and they stated they had not received them. I called again on XXXX XXXX, gave them all the tracking information to locate the money orders. On the same day, there was a man taking pictures of my home for them. When I tried to stop him, he just kept driving. I called again on XXXX XXXX. I was informed they had shredded the money orders because I didn't send enough money to them. I am now {$2800.00} behind due to negligence and their refusal to help me. They are a horrible company who claim to want to help but aren't. I cant be the only one this is happening to. A Mr. Cooper owns Rushmore Services and has was supposedly fined at one point. Someone PLEASE help me to get out from under the claws of this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account from XXXX XXXX XXXX  owing over {$45000.00}. Experian continues to report that Im to pay {$45000.00} per month even though I sent them proof that I have an agreement to pay {$250.00} per month. All other agencies has corrected to monthly payment amount but Experian refuses to thereby causing my credit score to stay low and creditors believe that I pay over {$45000.00} per month in child support which is not true. I have been disputing for 2 years from XXXX Now Experian is refusing to accept my disputes which is against the law. The will not fix my credit report
Product: Credit reporting or other personal consumer reports

Check systems changed my code to the security freeze without my consent. I provided the correct number for a lift as I've done twice before when needed.it is noted on the document provided. They will not provide me with another number verbally due to their mistake.
Product: Credit card or prepaid card

I have had a Capital One Spark card for my company for six years and recently received notice that I was being charged a late fee, which was certainly news to me since it was on autopay and has been for a very long time. After talking to multiple reps, what they claim happened is my autopay was set to a fixed amount ( {$50.00} - covered the minimum and then some ) and, without any charges being posted in a 30-day window ( card wasn't used ), the minimum payment due became {$53.00} and because autopay didn't pick that up, and because no one notified me, I was immediately charged a {$39.00} late fee and my rate jumped to 31.5 %. Further, after they did the rate change, they go back and recalculate interest on the prior month, which made my amount due jump even higher.

This card is not used often ( just a backup for groups who don't take our corporate XXXX ) and with six years of perfect history, and having never missed a payment on any card ever, this is apparently how Capital One operates - which they confirmed, on a recorded line. I'm already issuing a payment to pay off the full balance so this account can be closed, but a rate of 31.5 %, for someone with an extended history of perfect payment history for both this card as well as all others, should be illegal.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX XXXX XXXX {$750.00} XXXX XXXX XXXXXXXX XXXX XXXX {$6300.00} XXXX XXXX Balanced {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 a account without my written instructions
Product: Mortgage

Since the day XX/XX/2022 merger of SunTrust and BBT into Truist Bank, Truist has been misapplying our fixed principal and interest loan payments continuously every month. We have paid this loan early every month for years prior to merger to present date. Since Truist has not applied our payments correctly to this date nor have we been able to get this resolved through the bank itself after many, many hours in person and on the phone with multiple people, it has affected the true balance of this debt and interest calculated. It seems we are the only ones following through as no one has contacted us from Truist Bank regarding what is being done to correct or fix the issues that they are having internally. Interest is accrued daily and since my balance is not reflecting the correct amounts due to the misapplying of our payments, that is affecting what my true balance of my loan is as well as interest charged and has been since XX/XX/XXXX of XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally inform you that I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following fraudulent accounts and unauthorized inquiries from my credit report : Fraudulent Accounts : XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1300.00} XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Closed : XX/XX/XXXX XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$850.00} Unauthorized Inquiries : XXXX. XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, ND XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$6800.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX Balance : {$3400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX Balance XXXX {$3400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00}
Product: Debt collection

I am a victim of unfair debt collection practices. The company RADIUS GLOBAL SOLUTIONS LLC is knowingly furnishing false and misleading account information in my name to XXXX XXXX, XXXX, XXXX, and others. The company is stating that I owe a debt to them which I do not owe to them. I do not have any association with the company and never entered into any contracts with the company. The company should not have any of my non public personal information including but not limited to my name, address and phone number. Because I never engaged with the company, it means that my personal information was obtained without prior consent directly from me, which means it was obtained by means of identity theft and deceptive forms. These actions are ruining my credit reputation and are causing damages to my household. I will not tolerate unfair debt collection practices. I am seeking justice and remedy.
Product: Debt collection

This debt was completely unknown before commonwealth financial systems reporting it to all three credit reporting bureaus. I received no prior notice of debt owed to them. I never entered into any written contract with commonwealth financial systems. After disputing it, requesting verification and validation, reporting them to the consumer financial protection bureau, and to the XXXX XXXX XXXX, the debt was removed from my credit report numerous times, then placed back on again every week as a new debt. I received notification from their offices through the XXXX XXXX XXXX showing proof that they agreed to cease all collection efforts and no longer service the alleged account. After I replied to the XXXX XXXX XXXX that I was satisfied with their response ( on XX/XX/2019 ), they flagged my credit report with the collection AGAIN on XX/XX/2019. 

This company is harassing and negatively affecting my credit score.
Product: Debt collection

I received A letter that my account had been turned over to I.C. Systems. I believe this collection attempt is in error, as it refers to a XXXX account that was closed in XXXX 2015. After the account was closed, I contacted XXXX after receiving a bill, and they informed me that their billing had simply not caught up to their emails, and that I owed nothing on the account. 
I attempted to contact IC System via their website and the phone number listed on their letter, but the website does not exist, and the phone number rang once and held.
Product: Credit reporting or other personal consumer reports

Discover Card is reporting a Discover Cad Account balance that was charged off with the IRS and received a tax benefit of a tax credit. Please find attached XXXX that shows that although Discover card has plainly charged off this debt but failed to file a XXXX for the benefit of the debtor. Case law provides that if a creditor takes the position to charge-off of a debt owed by debtor, that they can then no longer report this debt as outstanding on debtor 's credit report as that would be INACCURATE. I request that all bureaus cease the reporting of this account on my credit report. I demand that this be deleted. I am currently homeless and it is illegally reporting this debt on my credit report after they have received the tax benefit. I never received the XXXX so I filed one on behalf of Discover as is beyond 36 month requirement to file and provide the debtor with a copy. I demand that this account is removed from XXXX, XXXX and XXXX as it is inaccurate. 

See, e.g., In re XXXX, XXXX B.R. XXXX, XXXX ( XXXX. XXXX. XXXX XXXX ) ; XXXX Bank XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX ( Ct. App. XXXX ). In XXXX recent case, a federal district court found that a creditors issuance of a Form XXXX is enough to plausibly suggest that Plaintiffs indebtedness XXXX cancelled. XXXX v. XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX, at XXXX ( XXXX XXXX. XXXX XXXX, XXXX ). In making this determination, the court noted that XXXX of the XXXX identifiable events listed in XXXX C.F.R. XXXX that trigger a creditors duty to issue a Form XXXX are all forms of debt cancellation. Id. Further, some courts have reasoned that it would be inequitable to allow a creditor to pursue further collection of a debt in cases where the debtor, in reliance on the Form XXXX, includes the cancelled debt in his or her gross income when filing his or her personal income tax forms. XXXX XXXX, XXXX B.R. at XXXX ; In re XXXX, XXXX B.R. XXXX, XXXX ( XXXX. XXXX XXXX XXXX ). 

Therefore, in addition to removal of this account from all my credit bureau reporting agencies immediately, I would like to compensated damages for the reporting on my report illegally for every year that this was illegally and inaccurately reported.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had three late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/year>, XX/XX/year>, and XX/XX/year>. I'm now requesting you investigate and provide verifiable proof with records showing that I have had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Mortgage

I received a notice that a mortgage payment to Shellpoint Mortgage had been returned. When I checked my bank, they had no sign of the return. I let the mortgage company know that. they told me I needed proof. My bank provided a screen shot of the payment coming out. I waited weeks for a response and got none. I called again and was told to provide a statement within the timeframe of the return. I did so and then called back to verify that it is sufficient. I was told the screenshot is not, so I asked about the pdf statement from the bank. The operator, XXXX XXXX who identified as a team lead told me that she couldn't provide that information and that a manager would not be there for over a week that could. She then told me that if I didn't pay the previous month 's mortgage by the XXXX it would hit my credit. I have been unable to get response for weeks and not I'm in danger of having my credit affected unless I make a payment with no assurance of where that payment will end up.
Product: Credit card

Quite simple:1. Amex canceled my company 's business card based on an assumption that they concede was in error. 
2. In canceling the card, the points associated with the card were forfeited. 
3. All attempts to remedy the issue with Amex failed. 
4. I was very reluctant to pay the balance because of the points that were forfeited and insisted that the points as well as the card be reinstated. Remember Amex admits that the original issue was due to an error on their part. 
5. In effort to resolve the issue, I agreed to continue to pay on the balance. 
6. The agreement would then require Amex to reinstate the card as well as the forfeited points. 
7. Although I continued to pay down the balance, Amex did not adhere to what was agreed. 
8. Consequently, Amex, although this was a business card, moved the balance of the business card to my personal credit profile as a delinquency/collection. 
9. This has resulted in a precipitous drop in my credit score. 
Note : As I remember, the relationship between Amex and myself spanned nearly 10 years if not longer without a single issue or late payment.
Product: Mortgage

in 2008 I tried talking with XXXX of the XXXX at Wells Fargo main headquater about me be an late on my morgage payment and the lady I talk with said if i didnt have the payment in XXXX days she would have a XXXX to came and put my belong on XXXX XXXX, XXXX weeks later a XXXX put a notice on my door saying that I have XXXX weeks to get out.