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

I am writing to formally dispute inaccurate information on my credit report provided by XXXX XXXX and reported to TransUnion and XXXX. The discrepancy involves the reporting of my first late payment, which XXXX XXXX asserts occurred in XX/XX/XXXX. However, I have concrete evidence that my initial late payment was in XX/XX/XXXX. 
This misinformation has adversely affected my credit standing, and I believe it is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). According to Section 611 of the FCRA, consumers are entitled to accurate and up-to-date information in their credit reports. Moreover, Section 611 ( a ) ( 1 ) ( A ) stipulates that inaccurate information must be promptly corrected or deleted. 
I have attached documentation clearly demonstrating that the first late payment occurred in XX/XX/XXXX, not XX/XX/XXXX. As per Section 611 ( a ) ( 7 ) of the FCRA, I kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter, considering the evidence provided. 
Furthermore, I assert that XXXX XXXX has misled the credit reporting agencies, and their failure to rectify this inaccuracy constitutes a violation of the FCRA. Section 611 ( a ) ( 5 ) ( A ) ( i ) emphasizes the obligation of credit reporting agencies to conduct a reasonable reinvestigation upon receiving a consumer dispute. It appears that such an investigation has not been adequately performed in my case. 
In light of the evidence and the apparent violation of my rights, I request the following actions : * Immediate  removal of the complete account information from my credit reports with TransUnion and XXXX. 
* A comprehensive and diligent investigation into XXXX XXXX 's reporting practices to ensure compliance with the FCRA. 
* Assurance that XXXX XXXX rectifies any inaccuracies promptly to prevent further harm to my credit standing. 
I appreciate your prompt attention to this matter and your assistance in resolving this dispute. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report it says other names that I am known as is XXXX XXXX XXXX. I never use XXXX on any formal application of any type. There is another XXXX XXXX that has used my identity in the past. I received a letter in the mail several months ago from Synchrony Bank/Pay Pal credit ( SYNCB/XXXX ) about an account in the name as XXXX XXXX that was past due. I called and told them I never opened this account. They sent a letter for me to fill out that I attested it wasn't me. I mailed the letter back. This week I received another letter from them saying the account was past due. I called back and said again, this account is not mine. The account is showing on my credit reports as past due. The credit limit is {$3900.00}, current balance {$4300.00}. The date opened was XX/XX/XXXX, date of last payment was XX/XX/XXXX as shown on the credit report which doesn't make any sense given the account wasn't open then. The company contact is SYNCB/XXXX, XXXX XXXX XXXX, XXXX, FL XXXX, XXXX. I have tried twice with this company to dispute this account that it is not mine and I did not apply for this account.
Product: Debt collection

This letter regarding the account listed above, which you claim that I have with your company. I am requesting validation made pursuant to the Fair Credit act.

Please be aware that any negative marks found on my credit reports from your company for a debt that I don't owe is a violation of the Fair Credit act FDCPA 807 15 USC 1962e, therefore if you can not validate this debt, you must request that all credit reporting agencies delete the entry.
Product: Checking or savings account

On XX/XX/XXXX I used my US Bank account to fund a transaction in error. I did not realize I used this account until XXXX in which I immediate took action to resolve the issue. I updated my address and contact information, contacted US Bank about the fees assessed against my account ( {$36.00} on XXXX, {$25.00} on XXXX, {$36.00} on XXXX when the fee originally fee could not be charged - this charge should not have occurred ), {$25.00} on XXXX ). Over the phone, I was told that they could only waive the two {$36.00} fees because the two {$25.00} fees were placed by the branch. I moved to NJ, there is not a US Bank near by, I had a friend make two deposits into the account on XXXX, which left the balance negative {$49.00}. He spoke with the US Bank in Nebraska who said that they ca n't waive the fee, that the branch where the account was opened is the only place that can waive the fees. On XXXX, another {$25.00} fee was placed for being negative for more than 7 days. On XXXX an automatic payment was made which resolved the negative balance. 

I called the local branch where I opened the account and XXXX denied my request to waive the fee. I called the CS number and they said they could not help because they can only waive 2 fees a year. I 've never had a fee in my 8 years of banking with them. I asked for an exception and was denied. I spent over 2 hours on the phone trying to get my issue resolved. 

I would like to understand how the second {$36.00} fee was charged, it does n't make sense or seem fair that a bank can charge a fee for their own fee being declined. And the last {$25.00} fee would not have happened if the bank teller on XXXX provided accurate information that the bank would not waive the two {$25.00} fees to start with.
Product: Mortgage

My loan with SLS was service released. I never received any notification from either SLS or the new servicer. Now my payment is late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report i noticed several inaccuracies regarding my student loans.On XXXX XXXX closure of XXXX XXXX 3 colleges where closed by the department of education due to reporting and lack of information they were mandated to keep XXXX College where i attended took out several loans without my knowledge.clearly fraud was committed at this school.
Product: Checking or savings account

On Monday XX/XX/XXXX morning, I discovered through Capital One email that there were a series of fraudulent ATM withdrawals totaling {$2100.00} using my ATM debit card. 

After calling Capital One to report the fraudulent activity, I discovered that the suspect had intercepted and used a card that was shipped to my residence address. The suspect activated this renewed debit card using my identity, reset the PIN number, and withdrew the funds from my checking account. 

The claim number is XXXX I immediately reported the 6 withdrawals and 2 fraudulent check deposit all as fraudulent activity.  On Friday XX/XX/XXXX, an investigator from Capital One called me at XXXX XXXX. He soon decided that I had an " involvement '' in this, based on the assumption that I disclosed the PIN number of the ATM debit card to this suspect. I strongly denied this, but the investigator proceeded to tell me that my claims will be denied, my funds will not be covered, and Capital One will proceed to terminate the service relationship with me. I lost all online access to Capital One banking soon after. 

On XX/XX/XXXX Sunday, after I visited local police precinct, I was told to ask for an affidavit from the bank. I called Capital One to ask for an affidavit of this event. 

On XX/XX/XXXX, I called Capital One again, and I was told that the dispute is closed ( from here, I took a written notes of Capital One 's agent 's description, and I quote verbatim ). I was told that " the case  was elevated, but was denied and there is no longer further recourse ''. 

On XX/XX/XXXX, I filed FTC Identity Theft Report, describing the incident and my personal financial loss, all truthfully under penalty of perjury. 

On XX/XX/XXXX, I received a physical letter from Capital One, stating that they deny my claim. The only reason stated on this letter was stated, " We finished looking into your claim and didn't find that an error happened ''. 

OnXX/XX/XXXX, I went to local police precinct again. I showed my FTC report as well a 
s Capital One 's denial of claim letter. Again I was told that they can not accept my case because Capital One didn't find any crime had occurred. I am at total loss because Capital One would not cover my la
rge financial loss, at the same time my local police would not start any investigation into this identity theft crime. It is incredibly frustrating that despite all the time and location of the fraudulent ATM transactions recorded, none of the parties involved would look into this case, and I am left with a large damaging financial loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

For ten years the same issues has occurred and Equifax hasn't paid one dime of restitution for the their error filled reporting, their failure to protect consumers, and their irresponsible reporting of others information on this consumer. This is creating personal as well as financial hardship that ought to be compensated. Through their insecurity of credit reporting information they have continually reported others information on my credit report, allow some person or entity to open up an account in my name without the benefit of their own social security number but reporting on my report. 

I demand these items be removed immediately Department of the Treasury account number XXXX, this account belongs to social security number as verified by this very entity ending in XXXX, not my social security number. 

In respect to reporting of an account stated as XXXX XXXX XXXX, this account was opened with social security number XXXX, not mine, which indicates a deliberate act from an address I don't live at, but still reported on my credit report. 

Im in the middle of getting a mortgage, and these irresponsible and inaccurate reporting is affecting my loan, I demand they removed immediately.
Product: Credit card or prepaid card

I recently checked my credit report to notice that there was an American Express account that was opened under my name with a address in XXXX XXXX, CA that I have never been affiliated with. 
Opened : XX/XX/2022 Balance : {$12000.00} I called Amex fraud department but I have yet to hear back from them.
Product: Debt collection

In my credit report accounts are reported that I do not recognize, Porfolio recovery # XXXX I do not have an account with them XXXX # XXXX I do not have an open account with them. XXXX XXXX # XXXX I do not have an account with them. Also requests for credit that I have not made XXXX-2017 XXXX XXXX, XXXX-2017 XXXX / clear I need to not mix in my credit report someone else 's information and addresses.
Product: Credit card or prepaid card

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 713,719, I presume that no debt, nor therefore any such debt, in fact therefore exists
Product: Credit card

Bank of America did not send me an XXXX statement. As a result they could charge me a late fee for not paying on time and increasing my APR ( on my XXXX statement ). I have disputed this fraud practice multiple times but BAC refuses to address my concerns.
Product: Mortgage

XXXX house fire, insurance paid check $ XXXX to rebuild, total loss. Mortgage Company keeping XXXX XXXX, been trying to get this back since XXXX. Mortgage holder since they purchased our loan on XXXX. I have never been late with this mortgage in the XXXX years been paying on it, we have about XXXX value at this time and only owe $ XXXX, so no reason why they will not reimburse our monies there holding. They want a clean lien release but until I get my monies cant complete home to be rebuilt. Builder needs too be paid.
Product: Debt collection

On XXXX XXXX I received an alert that I have a collection on my report. I never received a call or letter from franklin collection service. I called the agency they stated it 's from XXXX for service I never received. I leased my home for 3 years and during this time I became a victim of identity theft. I submitted a dispute to the creditor they reported it again as a new debt. I also checked this collection agency is not authorized to collect debt in Michigan.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, rep from the company called me about my bill, I had do not call on my account since XX/XX/2017, I had been off sick due to XXXX XXXX which I was just coming out of the doctors office I asked the rep why she was calling me told her repeatedly that I was sick and that she shouldnt be calling me, I told her I was not feeling well I would take care of my be she kept talking told her again Ive never been late on a bill have excellent credit and I hung up, XX/XX/XXXX another rep called me for the same reason I advised rep I have dont call me before I answered they called me repeatedly over n over so I could answer I was very ill told rep I had got bad health news regarding my hurt she continued I hung up
Product: Mortgage

Regarding Community Loan Servicing Our mortgage was to be paid in full in XXXX, XXXX, however, at that time, we were told that we had one late payment ( untrue because we were set up on auto pay ) and no other explanation but we still owed {$6600.00}. We sent {$2100.00} in XXXX, XXXX but it was returned because we did not have a pay plan in place. We called to set up a pay plan of {$630.00} per month and started paying {$700.00} per month starting in XXXX and the payments were in a holding account and not being applied.. Our last payment was made on XX/XX/XXXX. XXXX ( husband ) tried calling on XX/XX/XXXX to make a payment. He was on the phone for about XXXX hours. The first person told him that the payment was {$280.00} but wasn't sure after looking at our account. He was transferred to another person who stated we owed {$140.00} but still wasn't sure and then was transferred to a XXXX. Our regular XXXX who XXXX had spoken to in XXXX was not available. He spoke with XXXX XXXX and XXXX stated that our account was paid in full and not payment was due, I ( XXXX, wife ) then logged on to our account and yes, it showed our account was paid in full I think. We do not know where we stand at this time. XXXX has called without success and I have emailed XXXX different email addresses trying to get this figured out. I even got a read receipt from one email but still no contact and no solution. I am enclosing documents and I hope you can make better since of it than I can.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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, inaccurate, and false information consists of a utility account XXXX with a balance of {$430.00}. As well as an address XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. According to the Fair Credit Reporting Act ( FCRA ), specifically **15 U.S.C. 1681s-2 ( a ) **, any information reported must be accurate.
Product: Credit card or prepaid card

I won an online auction through XXXXXXXX XXXX  XXXX house for a classic dodge truck. The online ad misrepresented the truck 100 % and they will unwilling to cancel the auction and refund my money. I never took possession of the truck, and they have since resold it. I contacted Capitol One and opened a dispute for both charges from XXXX which totaled {$3900.00}. Case numbers XXXX and XXXX. Initially they credited my account, then decided to add the charges back onto my account with copies of the 2 payment receipts. Neither have my signature on them and I already explained to them when I opened the dispute that XXXX was unwilling to refund me in person. I still do not have possession, I never signed anything, I never registered the truck in my name, and they have already resold it to someone else. 

Capitol One still has not refunded anything to my card and I am still being charged for a product I never received or signed for.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, my nephew sent me a text message asking me to send him some money. I sent him {$40.00} ; after sending him the money, my nephew called to tell me that he could not get into his account, so he created a new account. My nephew told me he had a new phone and could not access his old Cash app account. I contacted Cash app to inform them that I sent the money to my nephew 's account, and he can no longer access it. They told me to have my nephew contact them, which he did. Cash app told him they could not transfer the money to his new account ; then Cash app told me to request a refund because they could not send the money back to me, nor could they cancel the transaction. So I asked for a refund like I was instructed to do by a Cash app employee. Today XX/XX/2022, I looked into my Cash app account. I realized that the refund request had been denied ; I contacted my nephew to see if he had received the money or rejected the request for a refund ; my nephew told me, no, but he still could not get into the account. Cash app is not offering him any help, and he did not deny my request for a refund. I contacted Cash app to see what was going on with the account, and they rejected a request for a refund. They could not give me any information other than we can't refund your money back to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a chapter XXXX bankruptcy and included XXXX XXXX. The company refuses to acknowledge that they are filed in bankruptcy has added their information to my credit report again as well as on in my tenant records. The company can no longer dispute the Chapter XXXX because they did not file it with the trustee and the company has to stop putting the charge back on my credit report. They have told the credit bureau that my claim about the bankruptcy is not true but the credit bureau will need to contact the US Bankruptcy Court to see if the information is true and they have not done this, they only accepted what the car dealer has given them which is not true.
Product: Credit reporting or other personal consumer reports

I am writing to challenge the existence of specific hard inquiry documented in your response from the Complaint ID XXXX. Despite your assurance that the creditor responsible has an internal fraud process, I find it unacceptable that Equifax permitted such inquiry without obtaining my explicit consent as a consumer. 

XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no XXXX party involved.Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This complaint is to follow up on any response from you after 30 days of investigation. As I reviewed my Credit Report I noticed that there is still an item that is reported as erroneous and incorrect information. Despite the previous written request sent to XXXX, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of these accounts. It is unacceptable to continue reporting these accounts as unconfirmed information without producing proof within the time allowed by law. 

XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days 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 Equifax data breach and may have gotten into hands of the wrong person.
Product: Credit reporting or other personal consumer reports

This is an ongoing issue with this company which is operating out of security fraud aggravated identity theft, forgery. violations of the Hobbs Act, RICO Act, tax invasion money laundering and UCC laws banking laws. XXXX XXXX XXXX XXXX an authorized representative at Bank of America and signs off on securities at the SEC. Every in grantor name has a priority lien against it per UCC filing so this company is in violation of UCC laws and Trust laws with all bank accounts are in trust under grantor control.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to fix my credit report for a while now. I believe I am a victim of identity theft. When my credit was pulled 2 years ago ( 2017 or so ) there was a lot of misinformation. The report actually showed that I was deceased. I am very much alive. So, I contacted Experian and sent in my information by mail, and not only was my issue never resolved but no one ever contacted me. When I called in to check on the status of the credit report errors, I was informed that they hadn't received anything by mail. And so, I'm stuck with the same issue. My SSN is not recognized by XXXX, XXXX XXXX, or any of the credit bureaus. I can not check my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the portfolio recovery accounts on my report multiple times. XXXX XXXX have not sent me a contract showing my interest rate nor my signature. According to the 609 ( a ) Credit if something cant be verify it must come off my credit. They will send me a summary of a account but they dont have no original documentation. I will be reporting them to the the Arizona attorney general in 2 weeks if this is not of my Credit report.
Product: Mortgage

as soon as I applied for forbearance, my mtg started charging an unknown fee of {$17.00} each month. They indicated this would never happen. I have asked them about this and they have not replied. 
This last month, I noticed it was shown as a late fee, even though I wasn't late. I think this is illegal!