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

My account with XXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit card or prepaid card

On XXXX XX/XX/2022, I received a TD Bank Visa Debit Card ( XXXX XXXX in the mail via USPS. I did not apply nor do I conduct any banking with TD Bank. On XXXX XX/XX/2022, I contacted TD Bank fraud ( XXXX ) XXXX and spoke with XXXX ( fraud customer service associate ). I provided XXXX with my information and she informed me she was revoking this card reported as fraudulent. My hope was that she would also close out any bank account that was fraudulently set-up to request this TD Bank Debit XXXX, but this first needed to be reviewed by TB Bank fraud team.
Product: Credit reporting or other personal consumer reports

please CC all companies you are finding below THAT ARE HIGHLIGHTED. XXXX XXXX XXXX XXXX XXXX XXXX CC : EXPERIAN XXXX : XXXX XXXX XXXX XXXX XXXX XXXX CC : SOS OF FLORIDA. This notice is to inform you that someone unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile.. The purpose of this letter is to dispute the validity of the debt being claimed under the XXXX XXXX XXXX XXXX ( XXXX XXXX ). I strongly believe that this alleged debt is in direct violation of the XXXX XXXX XXXX XXXX, which prohibits any form of debt bondage or involuntary servitude arising from human trafficking. I am a victim of XXXX XXXX
Product: Checking or savings account

Dear Sir/Ma'am, My name is XXXX XXXX XXXX XXXX I have a XXXX incorporated in XXXX, USA. Company name is XXXX XXXX. 

I have been using XXXX XXXX  ( XXXX XXXX XXXX ) from a few years, a few weeks back XXXX requested some documents and proofs from me for which I provided. 

As per them I was not using my account as per their compliance, which I do not challenge if it was right or wrong, but when they closed my account I had approximately XXXX $ balance in it. 

I have been trying to recover my funds, I have emailed them several times and requested how can I recover my funds which were locked in my account but they do not reply, neither they have any call support. I have been trying to recover my funds from a long time as this is effecting my day to day business expenses. 

I would be grateful if you can please file a formal complaint for mercury so I can recover my funds. 

Here are the bank details ; Beneficiary Name : XXXX XXXX Account Number : XXXX Type of Account : Checking Beneficiary Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX Receiving Bank Details Wire/ACH Routing Number : XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX My email address on mercury was XXXX. 

Thank you. 

Regards, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Kindly expedite these fraudulent accounts from my credit report, as they are not mine and were unknown to me. Per USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.
Product: Debt collection

Amount : $ XXXXThis letter is to inform you that the validity of this debt is disputed. I am unaware of this account and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). As we both know, I have the right to dispute this account, request for verification, and/or request for validation of this debt. 
This is the XXXX time that this company had listed a debt in my name and I believe they are playing a fraud game and I wish bring a suit against this corporation. I have previously disputed their entries, yt every 6-7 months, they re-appear attempting to collect money that is not rightfully theirs ; a debt that is not mine. 
Something must be done about this company. The internet is full of stories of this company sending out debt letters to people where the money does not belong to them or their identities have been stolen. 
I need to know how to I file a harassment claim against these unscrupulous collection agents! 
Am I going to be going through this for the rest of my life with this company? 
SOMETHING MUST BE DONE ABOUT THEM!
Product: Checking or savings account

XXXX checks were issued by Bank of America seem to be stolen with my name deposited into my account signatures are forged
Product: Credit reporting

I have disputed these accounts a few times already asking for validation and Transunion has failed to provide me with the documents they have on file to verify this account. Under the FCRA anything unverified needs to be removed. These accounts also are reporting incorrectly. Payment history is incorrect and Transunion needs to remove these accounts. I have attached file with CIRCLED payment history errors. They go reporting " 0k '' status for a few months then they go late 90,120, 120, 120,120,120,120 ( How can it be 120days late for 7 months straight ) it Then goes to " X '' ( Unknown is NOT proper reporting ) to " Ok '' status then again same late Cycle again. These ca n't possibly be my accounts because I have not made any payments on these accounts so these accounts need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal car was broken into and personal information was stolen. information included I.D, social security card and birth certificate on XX/XX/XXXX. A police report was filed and 2 days later I froze my credit score and placed a fraud alert on my credit. The thief, however, was still able to open a credit card and account with XXXX XXXX XXXX  and over-drafted the card for a total of {$620.00} with my personal information. The thief also used another address and phone number to open this account. An address and phone number I've never had or seen in my life. I currently have a XXXX credit score because of this and all three credit bureaus are reporting the account on my credit report as " charged off ''. I'm trying to get the XXXX XXXX credit card account removed off my credit report and move on in life. I've opened investigations with all three credit bureaus regarding this matter and have also opened an investigation with XXXX XXXX on XX/XX/XXXX. I submitted a digital copy of the police report to all three bureaus on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Convergent Account Number XXXX XXXX XXXX XXXX, Account Number XXXX U.S. Department of Education, 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousnessXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX CO ) XXXX Balance : {$240.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX  XXXX IL XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Debt collection

Aargon Agency Inc. is calling me at XXXX. Per Aargon 's records, they know that I moved out of XXXX and now live in XXXX as I am the one who updated that information with them.
Product: Mortgage

I paid off my mortgage with Nationstar Miortgage in XXXX 2015. When I called to find out what the final payment was I was informed to send a few XXXX dollars more to cover additional interest that might be due. I was sent a refund check on XXXX/XXXX/15 for {$330.00} which bounced when I deposited in my bank. I was charged a {$12.00} returned item fee by my bank. I have contacted Nationstar numerous times and was told that the check would be resent to me. Finally today I got an email from the supervisor that I spoke to who now states that someone tried to cash the check twice and that if given approval they will reissue a check. I do not understand how a financial institution can bounce a check. In addition I have not received the Satisfaction of Mortgage document which I am now told it is my responsibility to obtain. I have had numerous mortgages and I own a number of homes and have never heard of such a thing. I am always sent the document as soon as it is recorded for which a fee is charged. I do not know what else to do to get the money that is due me and the document that I need to sell the house.
Product: Debt collection

I received an alert from a credit monitoring service that Medicredit has placed a collections on my credit report today and i have never received proper communication to try and resolve said debt. It listed today that they have been trying to collect a debt since XXXX, yet it appeared on my report today, XX/XX/XXXX. I immediately contacted Medicredit to resolve the debt and asked them to please remove from my 3 credit reports as I am in the process of purchasing a home. They provided me with a receipt for payment but informed me they will not remove the negative information for 7 years. 

It would have been nice and helpful if I would have at least received a phone call or letter informing me I have a debt prior to any collections. And it would have been nice in good faith they would understand my current situation of purchasing a home to consider removing this from my reports. I have already filed a dispute as well as mailed letters of goodwill to the 3 reporting agencies. This is an old account and I had zero knowledge prior to today of this account. It makes me wonder what else may pop up on my report unannounced and unexpectedly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX - XXXX... 
XXXX - XXXX... 
XXXX XXXX - XXXX... 
XXXX XXXX XXXX XXXXXXXX... 
XXXX XXXX XXXX XXXX XXXXXXXX I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has allowed XXXX XXXX XXXX continues to report false derogatory information to the credit bureau.. I have disputed this information several times with no resolution. Due to this inaccurate reporting, I have been denied a home and Jobs. I have provided XXXX and equifax with court documents from XXXX County Clerk of the circuit court to validate my claim.Equifax has never investigated my claim regarding XXXX and has allowed them to continues to harass and retaliate against me by adding negative remarks and extra fees every time a dispute is filed which cause my credit score to decrease monthly.
Product: Credit card

On XX/XX/XXXXXXXX  I went to Sun Coast Credit Union to speak to a customer service manager about two unauthorized withdrawals made by XXXX XXXX XXXX CA in the amount of XXXX each was charged to my credit card. The manager called the Sun Coast Credit Union cardholder, and stated that once they finish the investigation, the money will be put back on the credit card amount of {$19.00} [ Transaction ] Trans Date XX/XX/XXXX Post Date XX/XX/XXXX Description XXXX XXXX XXXX CA {$9.00} Trans Date XX/XX/XXXX Post Date XX/XX/XXXX Description XXXX XXXX XXXX CA {$9.00} = {$19.00} My problems is instead of giving me an advancement to my credit card, Sun Coast Cardholder charge my credit card again {$9.00} three time a total of {$29.00} ( See Statement Closing Date XXXX XXXX  ) [ Payments, Adjustments and Other ] Trans  Date XX/XX/XXXX Post Date XX/XX/XXXX Description DISPUTE {$9.00} This is a double charge Trans  Date XX/XX/XXXX Post Date XX/XX/XXXX Description DISPUTE {$9.00} This is a double charge Trans  Date XX/XX/XXXX Post Date XX/XX/XXXX Description DISPUTE RESOLUTION {$9.00} All these disputes are double charges in the amount of {$29.00} I only had two disputes : how did I get here? These are extra fees I should have not been charged. 


I called XXXX  again and complained about the unauthorized charge to my credit card. The customer service representative stated that the company ( XXXX ) only granted one refund per year. ( Refund Granted just 1 ) [ Payment, Adjustment and Other ] Trans  Date XX/XX/XXXX Post Date XX/XX/XXXX Description CREDIT VOUCHER XXXX XXXX  $ ( XXXX ) Talked to the manager second time all these fee charges to my credit card Im not understanding why this is happen, manager didnt have an answer she called credit cardholder which is a call center confusing problem not resolved? I was only refunded {$49.00} There are 4 disputes ( XXXX ) each charge to my credit card. {$39.00} There are 3 dispute resolutions ( XXXX ) each charge to my credit card. {$29.00} There are 1 Cr adj/charge-back proc ( XXXX ) credited to my credit card. {$9.00} There is 1 debit adj-rev/charge- back Cr ( XXXX ) charge to my credit card {$9.00} Total of XXXX was charged to my credit card about two disputes WOW! 
Please look into this matter at your earliest convenience.
Product: Credit reporting or other personal consumer reports

I sent a letter out on XX/XX/XXXX to XXXX, transunion, and XXXX. 

However the credit bureaus said the completed the investigation and everything was 100 % accurate.

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I would like to know who did they talk to?

How did they complete this investigation? This is considered fraud and against the law.
Product: Mortgage

On XXXX XXXX I made an online payment with Homebridge Loan Servicing Inc. and received immediate confirmation of such. 
This payment was not debited from my account and they subsequently transferred my loan to another servicing company. 
I have written and called on numerous occasions and no one has even investigated the matter, much less resolved it. This company is poorly run and has had numerous problems in the past with its web-site and with debiting mortgage payments appropriately, even to the point recently where they improperly debited numerous accounts and had to provide refunds. 

XXXX XXXX XXXXXXXXXXXX
Product: Debt collection

A letter was sent to National Credit, informing them to send a purchase agreement and debt validation document. This company is a debt collector and they did not provide any of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent off the investigation letter to make sure all of my accounts were properly investigated, and to make sure everything was 100 % correct. The credit beaureaus stated that the date the account was opened was XXXX. That information is incorrect. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2. 

The law clearly states a consumer reporting agency can not furnish an account without my written instructions.m I havent given these accounts written permission to furnish these accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late Payment remark associated with XXXX XXXX is inaccurate and incorrect. Numerous attempts with each credit bureau have been made to address this issue to no avail.
Product: Debt collection

At XXXX XXXX on XX/XX/2021 American Express called my work phone number and my cell phone number at the same time. These are harrassing phone calls and I have asked them to stop calling me repeatedly. Calling me at work puts me at significant risk and will not be tolerated.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter sent to : XXXX XXXX XXXX  To Whom It May Concern : I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program and I saw two incorrectly trade lines for an account from XXXX XXXX for XXXX, one is {$410.00} and one is {$220.00}. Both account statuses show past due and they should not say that as these debts are not owed. I am requesting both a validation and " verification '' as well as the signed HIPAA release with my signature as the item being reported to the credit bureaus by XXXX XXXX is a VIOLATION of the HIPAA Act of 1996. 

XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by XXXX providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against XXXX XXXX as well as XXXX should this item not be deleted within t10 business days and until the debt has been validated and verified. XXXX XXXX is in direct violation of HIPAA regulations, and they are facing fines up to {$1000.00}, even possible jail time. I am seeking a legal remedy immediately as I have contacted Legal Services to obtain an attorney for free to file suit against XXXX XXXX, XXXX XXXX, and all 3 credit bureaus : XXXX, Equifax and XXXX. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from Radius Global expeditiously as I have no idea where this debt is coming from and I do not owe this company any money. 

Additionally, I can prove that at the time of service, I was both unemployed and homeless. I completed the financial assistance forms, which should have taken care of any costs associated with my medical care.
Product: Checking or savings account

Chase reference case number : XXXX Hello, I went to a chase branch to confirm my address and ID. 

This account has been closed more than 6 months ago. I need a resolution. 

I do not accept the recall request.