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

There is a medical collection showing on my XXXX credit report that should have been deleted MONTHS ago. This collection is from Absolute Credit in XXXX, ME and the medical practice it is from is XXXX XXXX XXXX who agreed to DELETE this collection several months ago and requested Absolute Credit to send a DELETION REQUEST to XXXX, but it is STILL showing on my report a good XXXX months later. If this is not IMMEDIATELY deleted from my credit report, I WILL be taking legal action against XXXX AND Absolute Credit and will be seeking monetary damages for FALSE CREDIT REPORTING. I have uploaded an image of the collection.
Product: Credit card or prepaid card

I am a CapitolOne credit card holder. I drove over 50 miles to a CapitolOne Cafe from XXXX County, Fl to the City of XXXX XXXX, Fl in XXXX XXXX County on XXXX XXXXafter XXXX to pay off my credit card. I placed {$260.00} ( XXXX {$100.00} bills and XXXX {$20.00} bills ) in cash inside the ATM. Three days later, I checked my account and it said that I still owed {$270.00}. I contacted a CapitolOne dispute agent and he said it would take up to 10 days to investigate. On XXXX XXXX, I contacted CapitolOne and the agent said that I would be credited for the payment but it would take up to 30 days for the investigation to complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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: Debt collection

I received a summons to appear in court on XX/XX/year> at XXXX for an XXXX XXXX Credit Card bill that I owed in the amount of {$2200.00} I showed up but was told that court would not be in session that day. The clerk said that I would be notified of the next session but I never was. A few days ago I received a notice from XXXX XXXX saying that they would be taking the money out of my account on XX/XX/year>. I did not get to have my day in court and it was not my fault. The law firm handling the case is Zwicker & Associates XXXX XXXX XXXX  XXXX XXXX XXXX TN XXXX Phone XXXX Attorney XXXX XXXX. My Bank is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX
Product: Credit card or prepaid card

hi this is my situation on XX/XX/2021 I got a rental car from XXXX XXXX and use my secured credit card from wells fargo to pay for the secured deposit my credit card its secured with a {$300.00} dollar deposit I made when I apply for the credit card on XX/XX/2021 I got XXXX  for unpaid tiket and the car was pick up from the police in pound lot when I got out on XX/XX/2021 a transaction of XXXX from XXXX XXXX was paid from my credit card I didn't authorize the transaction becuse I was XXXX, the amount its way over the limit of the card and when I call to dispute the transaction Mr XXXX XXXX XXXX start questioning me if I did rent the car? if the amount was incorrect? how much I think was the correct amount etc I manage to fill the dispute and the bank only reembrush XXXX on XX/XX/2021 another charge of XXXX was paid to XXXX XXXX and one more on XX/XX/2021 for XXXX putting my card over the limit for XXXX I dont use the card anymore Im afraid of more charges coming up now I been charged interest on purchases getting a message { over the limit amount its due inmediatly } have not recibe a resolucion only e-mails saying ( we're making a progress on my dispute ) time goes by and my credit my has been hurt my XXXX  is killing me Im XXXX  all day every day thanks for the help XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Mortgage

I originally sought my home loan from XXXX XXXX XXXX, eventually the billing was assign to Freedom Mortgage and have no problem, however a Total Fees & Charges appeared XX/XX/XXXX Mortgage Statement. When I called via cellphone my explanation was pass from one customer service to another. I wrote a letter XX/XX/XXXX asking explanation why I was being charge for {$30.00} Fees. Instead I received a photo copy of Transmittal Sheet of Payoff Request and Borrower ' Certification & Authorization which has nothing to to do with my complaint. Again on XX/XX/XXXX I wrote a letter and including " A. Settlement Statement ( HUD-1 ) " Im obligated to pay only what is stated on this loan and not receive any response at this point of time.
Product: Credit card or prepaid card

Fraudulent Charges Bank of America After some consideration, I request that my ATM Debit charges are removed from the following bank and checking accounts. 
Amount - {$250.00} Please do not send a replacement card. 

XXXX Please remove the said account and closed the debt that is in question as the debit was reported stolen and lost. 

Amount - {$100.00} Please do not send a replacement card. 

XXXX Bank Please note that the accounts in question are closed and noted to be overdrawn. Please remove the account from the credit check. 

Amount - {$110.00}, - {$180.00} Please do not send a replacement card.
Product: Credit card or prepaid card

My chase amazon card was declined for a catering order I had placed for my brothers funeral in the amount of {$710.00}. I contacted chase around noon today XX/XX/2019 and was asked the last 4 numbers of my chase savings account and the other user on my account. I responded that I did not have a savings and I am only authorized user. Customer rep told me they would call me back in 10 minutes to keep the line open. I didnt receive a call back after an hour so I contacted chase. From the first call I thought someone was using my card fraudulently. I spoke to the rep who transferred me to a supervisor XXXX who said the card was activated and the transaction would process. Called the catering company and card was declined. I then used my XXXX  XXXX card to pay for the order. XXXX XXXX texted me asking if I was authorizing purchase and I responded yes. Contacted caterer and XXXX  XXXX was declined. I contacted chase again spoke to rep was told the initial questions are used to trick people to see what there answer would be. She told me the CVV code was incorrectly being input by the caterer and I responded that I had gone over the numbers and CVV used was correct. She told me the card was cleared for the purchase and she would monitor it for 24 hours. Called caterer - card declined. Use a MasterCard  which processed. Went to use chase amazon at restaurant at XXXX pm tonight in the amount of {$63.00} - it was declined. I was told by chase I was not over limit. Still frustrated figuring out multiple declines after several conversations with chase stating the card would be ok to use. Embarrassed as the caterer kept suggesting I was over my limit which I pay my card in full every month and chase confirmed that I was under my limit with the {$710.00} transaction. Never been declined by either chase or XXXX  XXXX before - today after multiple assurances that I was all set and card would be monitored to make sure transaction would clear - it never did
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I sent information to Equifax regarding the validation of this account which is shiwing as XXXX. I have only received generic information regarding the account, none of which shows that I owe this collection action. In fact, I received on XX/XX/XXXX another letter from another creditor stating that they own this account I'm currently awaiting verification of this debt from this particular company Credit Bureaus are supposed to report accurate information upon investigating incorrect information. That has not been done with this company. 

I am requesting that Equifax and XXXX follow suit of XXXX and remove the following information from my credit report. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed a medical collection that does not belong to me on my credit profile with XXXX XXXX the collection agency, XXXX, Transunion and XXXX in the amount of {$1200.00} starting XX/XX/22. They claimed it was opened on XX/XX/22 but was not reported on my credit report until XX/XX/22. I have sent a dispute letter to XXXX, Transunion, XXXX and XXXX. I have not received anything from XXXX as to whether this collection actually belongs to me and they have added this to my credit reports with a commercial address. In fact, XXXX removed it from my credit report, Transunion removed it from my credit report and added it again 1 week later without any notice of the investigation process. 

XXXX has verified it as accurate today, XX/XX/22. There is no way that XXXX actually investigated this because had they did their investigation they would see that I don't live in a commercial building and I supplied proof of my residence with my drivers license. How can XXXX say that it meets requirement of the Fair Credit Reporting Act when they clearly haven't done an investigation. Who did they verify this information with? I would like proof of where they confirmed this information showing the medical procedures and proof of my signature. I do not want it added back to my credit reports now that I have pointed out the mistake. I hear that XXXX is being sued for allowing commercial addresses to be reported to consumers profile and it looks like I may be a victim of this. I would like this deleted from my Transunion and XXXX credit profiles.
Product: Mortgage

Throughout XX/XX/XXXX, Loancare/XXXX  contacted me daily to remind me that my forbearance period, under the CARES Act, was ending and that I would need to resume my regular monthly mortgage payments ; the documented end date of which was XX/XX/XXXX ( see attachment 1 ). I resumed paying my mortgage payment as requested via check dated XX/XX/XXXX ( that Loancare/XXXX  processed XX/XX/XXXX ). Upon applying for my partial claim loan afterwards, I was told by their representative ( XX/XX/XXXX ) that I did not have to make the payment that they had been relentlessly requesting daily for the entire month of XX/XX/XXXX. The FHA COVID-19 Partial Claim documents sent to me via Loancare/XXXX  ( dated XX/XX/XXXX XXXX stated that the sum of the partial claim ( {$11000.00} ) would be for monthly payments during the dates of XX/XX/XXXX through XX/XX/XXXX. [ note the partial claim loan is for months beyond the original XX/XX/XXXX forbearance end date ] ( see attachment 2 ). 

So, as noted above, LoancareXXXX requested a partial claim loan beyond the period of my forbearance, after doggedly instructing me to make a mortgage payment immediately after the stated forbearance end date, i.e. XX/XX/XXXX ( which I complied with ). In essence, LoancareXXXX , incited the paying of an unwarranted extra mortgage payment, that they, in turn, used in a way that I did not authorize. They refused to credit this payment as a normal monthly mortgage payment when requested, despite already having funds to cover beyond the entire forbearance period via the partial claim. Furthermore, according to my recent mortgage statements, this XX/XX/XXXX payment was applied in such a vague and nebulous way, that LoancareXXXXXXXX own employees could not identify and explain how the payment was utilized ; for example, when asked about this, I was told by 2 agents that this extra payment was applied entirely to my principle ; something that I did not request or intend it to be used for. Again, upon examining my recent statement ( s ) from XXXX, XXXX, XX/XX/XXXX ; and a requested record of my account history from LoancareXXXX  ( see attachment 3 ) ; these documents give no indication of my mortgage payment of {$770.00} being applied, in its entirety, to the principle. When I called them again ( XX/XX/XXXX ) about this, an agent admitted that the payment was not applied to the principle as initially stated ; showing that even they were having great difficulty understanding their own calculations, statements, etc regarding this payment. With millions of people having gone into forbearance during the pandemic, I cant even imagine how many people this has no doubt happened to ; they should be given fair warning.
Product: Credit reporting or other personal consumer reports

CarMax Auto Finance Loan Number XXXX CarMax Auto Finance is erroneously reporting to all credit bureaus a XXXX  day late payment for the month XXXX of XXXX. I had made the XXXX payment ( which was due on XX/XX/XXXX ) on XX/XX/XXXX ( not XXXX  days late, receipt attached ). Upon calling CarMax Auto Finance I was informed that the payment that was being reported late was the XXXX payment. I have correspondence from CarMax ( please see attached ) confirming that my XXXX payment was extended XXXX month ( per their catastrophe relief program ). Therefore this late payment was reported by error and now CarMax is refusing to delete the late payment from all credit bureaus. This is affecting my credit and I need help as I have not been able to resolve it. 
Thank you in advance XXXX XXXX
Product: Credit reporting or other personal consumer reports

These inquiries were not authorized by me. 
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

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress youve caused me. My information was also impacted by the equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

This complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent information consists of a personal credit card account opened at XXXX XXXX on XX/XX/year>. This account has resulted in several fraudulent appearances on my consumer FICO credit report. I've attached a list of the inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. The aforementioned account and inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. The aforementioned account and inquiries are the result of identity theft and fraud. I have attached a copy of the FTC identity Theft Criminal Complaint number as proof from the US Federal Trade Commission that the aforementioned consumer credit account and inquiries.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XXXX ) since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. a charged off account should NOT include an active payment history. this is inaccurate information falsely manipulates the statute of limitations. you failed to investigate this account properly and your neglect has violated my rights. Iam demanding a deletion of the following account : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Demand for Method of Verification Unverified Account Dispute XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing regarding an account reported on my credit file that I believe is inaccurate and unverified. I recently reviewed my credit reports from all three major credit bureaus, and this account does not appear to have been properly investigated. 
Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy of any information you report and conduct a thorough investigation when a consumer disputes the validity of an account. Based on my review of reports available to me, I believe this account is inaccurate, and your failure to properly verify it is unacceptable. 
I am also aware of the recent lawsuit involving the Consumer Financial Protection Bureau ( CFPB ) and Experian, which highlights failures in proper investigations and handling of consumer disputes. I urge you to ensure that your practices align with the standards required under the FCRA.

To resolve this matter, I demand the following : 1. A detailed Method of Verification ( MOV ) that outlines how the information for this account was verified, including : The name and contact information of the party who provided verification. The exact steps taken to investigate my dispute.

Copies of any documentation used during the investigation process.

2. Immediate action to either perform a thorough reinvestigation or delete the account from my credit file if verification can not be properly substantiated.

Please note that under 15 U.S.C. 1681i ( a ) ( 7 ), I have the right to be provided with a detailed description of your reinvestigation process and the method by which you verified the account. Your failure to provide this information will leave me no choice but to escalate the matter further.

If you can not verify this account within the legal timeframe, I demand its immediate deletion from my credit file. Continued reporting of inaccurate information is a violation of federal law and may result in a complaint filed with the CFPB, my states Attorney Generals office, or further legal action.

I expect a written response with the requested information within 30 days of your receipt of this letter. Please send all correspondence to the address listed above.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am complaining about Experian and XXXX credit reporting agencies. I have submitted numerous disputes regarding inaccurate information on my credit file to both companies with no resolution. I sent all my disputes through CERTIFIED MAIL WITH RETURN RECEIPT, and have all documentation proof ready upon request for this investigation. I am tired of both of these companies slandering my credit file and defaming my character. The erroneous information that they are reporting is drastically affecting me from applying for credit and from qualifying for a mortgage. Everytime I dispute inaccurate information I get an automatic response stating the accounts are VERIFIED. As far as Experian my most recent dispute was sent ceritifed mail on XX/XX/19, the company then sent a response on XX/XX/19 stating they will not re-investigate the same disputes because it was already " verified '' previously. The following accounts XXXX # XXXX, XXXX  XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX and XXXX XXXX and XXXX  # XXXX all need to DELETED and REMOVED immediately from my Experian credit file. Also the bankruptcy on file is inaccurate and needs to be removed. As for XXXX, XXXX XXXX XXXX, XXXX XXXX # XXXX and a bankruptcy all are inaccurate and UNVERIFIED and need to be REMOVED immediately from my credit file. I have also submitted a complaint to the State of MI Attorney General 's office regarding both companies and seek to have this problem mediated in a quick, professional manner. Otherwise, I will proceed with filing a lawsuit against both companies for their willful violations and I will seek compensation for provable and punitive damages I'm entitled to under the law!