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

XXXX XXXX [ XXXX XXXX XXXX # XXXX ] XXXX XXXX CA XXXX XXXX TransUnion Consumer Relations Re : Pre-Arbitration Demand to Correct Inaccurate Information and Identity Theft on Credit Report Dear TransUnion Consumer Relations, I am writing this letter to formally demand correction and resolution of several inaccuracies present on my credit report, as well as to address the issue of identity theft. As provided under the Fair Credit Reporting Act ( FCRA ) and other applicable laws, I request your immediate attention to these matters. Enclosed are two exhibits supporting my claims, along with a copy of the Federal Trade Commission ( FTC ) Identity Theft Report. 
XXXX. Inaccurate Accounts : Upon reviewing my credit report, I have identified three accounts that contain inaccurate information. These accounts are as follows : Account XXXX : Creditor : XXXX XXXX Account Number : XXXX Inaccuracy : FRAUD ACCOUNT Account XXXX : Creditor : XXXX Account Number : XXXX Inaccuracy : FRAUD ACCOUNT Account XXXX : Creditor : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Inaccuracy : FRAUD ACCOUNT XXXX. Inaccurate Inquiries : Additionally, my credit report shows several inaccurate inquiries that I did not initiate. These inquiries have the potential to negatively impact my creditworthiness and financial standing. The incorrect inquiries are as follows : Inquiry XXXX : Creditor : XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry XXXX : Creditor : XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry XXXX : Creditor : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry XXXX : Creditor : XXXX Date of Inquiry : XX/XX/XXXX Inquiry XXXX : Creditor : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. Identity Theft : According to the enclosed FTC Identity Theft Report, I have reported the occurrence of identity theft and the fraudulent accounts associated with it. The exhibits attached to this letter clearly demonstrate that these accounts are not mine, and I request their immediate removal from my credit report. 
Please be advised that the open dates on the accounts mentioned above are all different, further suggesting inaccuracies in the reported information. 
I hereby request that you promptly conduct a thorough investigation into these matters and correct the inaccuracies on my credit report in accordance with the FCRA. Your failure to act promptly XXXX result in legal action, including arbitration, to protect my rights under the FCRA and other applicable laws. 
Kindly send me a written response within 30 days from the receipt of this letter, detailing the actions taken to correct the inaccuracies and remove the fraudulent accounts. Furthermore, I request that you provide a free updated credit report after the corrections have been made. 
Please direct all communications related to this matter to the address and email provided above. 
Thank you for your attention to this serious matter. I expect your prompt response and resolution. 
Sincerely, XXXX XXXX Enclosures : 1. Exhibit 1 2. Exhibit 2 3. FTC Identity Theft Report
Product: Credit reporting, credit repair services, or other personal consumer reports

Loancare continues to report my information to the credit buro as Foreclosure proceedings started to XXXX into the month of XXXX. 

I sent a letter to the credit buro asking for recognition of foreclosure rescinded, including court print out and this has been ignored and Loancare has confirmed inaccurate information bringing yet further damages to my well being and financial situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, Capital One Auto Finance reported my account as " 30 days past due '' which was incorrect. I'd never paid my account late. I contacted them directly and they refused to update my account status. I then disputed the inaccuracy of their reporting directly with each credit bureau which then confirmed through Capital One AF that the status was accurate, but it is not. Additionally, each credit bureau is reporting a different " delinquent payment '' month which further process the inaccuracy of the reporting. 

In XX/XX/XXXXXXXX XXXX  XXXX reported a collection account to XXXX on behalf of XXXX. I directly disputed the validity of this account with the credit bureau with no resolve. Additionally, I contacted the collection agency by mail since I'd not received any formal communication about this alleged debt prior to reporting which is a violation of the FDCPA. I've yet to receive a response from the collection agency and the account remains on my XXXX credit report.
Product: Credit card or prepaid card

Called XX/XX/XXXX to request that account be closed before annual fee posted. Agent said 'their systems were down ' so she could n't give me a confirmation, but assured me the account would be closed and there would be no annual fee charged. No surprise, the card was not closed, the fee was charged, and they are refusing to refund it saying they have no record of my call and their systems would ALWAYS magically have a record of the call even if the systems were down.
Product: Debt collection

please see the court documentation that has been provided to support this dispute claim against executive management, a debt collection company
Product: Credit reporting, credit repair services, or other personal consumer reports

THE COMPANY, XXXX XXXX XXXX, AND XXXX XXXX XXXX, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION XXXX AND EQUIFAX WILLING REPORT THIS FRAUDULENT INFORMATION. ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. XXXX5 USC 1692 ( a ) ( 1 ) The term Bureau means the bureau of consumer financial protection, XXXX, Equifax, XXXX, and XXXX are assumed to be credit bureaus and there is only one Bureau in that is the Consumer Financial Protection Bureau. On XX/XX/1933, XXXXongress enacted HJR 192 to suspend the gold standard in to abrogate the gold clause. This resolution declared that whereas in the holding or dealing and gold affect The public interest, and therefore subject to proper regulation and restriction and whereas the existing emergency has just closed that provisions of obligations which purport to give the obligate the right to require payment in gold or a particular kind of coin or currency... Are inconsistent with a declared policy of Congress... In the payment of deaths. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in an amount of money policy and ... Every obligation here to four or here after and cured, shall be discharged upon payment, a dollar for dollar, and any coins or currency which at the time of payment is legal tender for public and private debts. 15 US C1681 ( 3 ) ( e ) The term investigative consumer report means a consumer report a portion thereof in which information on a consumer character, general reputation, personal characteristics, or motive 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 acknowledged concerning any such items of information. This company also violated 15 USC 1681 ( b ) Permissible purposes of consumer report, I never gave this company written consent to report this alleged account. Remove these account immediately or pay me {$250000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

LendingUSA is reporting negative information to my credit report. 
-Two year payment history is not updated. 
-Payment status incorrect -Date last active incorrect -Date of last payment incorrect
Product: Credit card or prepaid card

{$50.00} payment was sent from my XXXX XXXX XXXX - Checking Account to Amex on XX/XX/XXXX instead of XX/XX/XXXX due date. ( One Day late ) Reason : Post office placed my mail on the wrong apartment mailbox. Therefore, Amex Credit Card Rep ADJUSTED XX/XX/XXXX LATE FEE on XX/XX/XXXX, but failed to remove the corresponding finance charges of {$1.00} at the time. This failure on their part, resulted into later months statements balance. Refer to statements of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. In addition, refer to transactions obtained from bank pertaining American Express Card all these years and never late. You can also see that now in XX/XX/XXXX I am being reimbursed by American Express {$1.00} for that " supposed '' late payment on XX/XX/XXXX. This whole issue of late payment for {$1.00} is greatly impacting my credit report and credit score in XX/XX/XXXX.
Product: Credit card

on XX/XX/ I called Bank of Hawaii credit card department to verify the scheduled payment to my account because of a credit on a refund from XXXX XXXX XXXX. 

Balance due prior to the refund was {$4000.00}. and scheduled to be paid on the XX/XX/XXXX XXXX XXXX 

I was informed that the refund of {$1400.00} from XXXX would reflect the scheduled payment and " No more then the balance on the card could be paid legally on a credit card and I need not worry ''. 

On XX/XX/ I checked the balance on my checking account and discovered that BOH charged my checking account the full {$4000.00}. 

When I call BOH to get a refund I was told that the earliest I could get a refund would be 7 to 10 days by mail. Unacceptable since I had other schedulded payment due. 

With no concern I was told that mailing the refund was the fastest way to recieve the refund. 

This is a hardship that I will have to figure out with the lease of care by BOH.

Refunds should be applied a lot sooner. I was told that if I went to BOH and withdrew {$1200.00} cash from my credit card, which is a crediton the card, I would be charged fees. 

I am left to deal with this on my own ; refunds should and with todays technology can be applied. 

As a long time account holder with BOH, I am upset that they took the " I don't care attitude ''. 

Most sincerely, XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a student loan back in XX/XX/XXXX, eventually due to financial issues I could not pay back the loan and the loan was sold to a different student loan servicer called Navient sometime in XX/XX/XXXX and the collection process started again but I did not receive any notices in the mail or calls over the phone, nothing informing me that they were collecting on the student loan. Since I live in Florida and hurricane Irma came around during that time they put the payments on hold until around XX/XX/XXXX. 3 months later I finally find out because I noticed my credit score dropped substantially and I looked to see why and I find out about Navient and that I'm 90days late on the student loan payments, so I immediately pay everything in full since I have a better job now and have continued to make payments on time since then but the damage was done, my credit was set back big time and it will continue to hur me for the next 7 years. I called Navient and explained what happened.. They state that they only accept letters mailed to a certain dept to address those kinds of issues, seems like businesses do that to make it harder for consumers to get things fixed. I sent the letter around XX/XX/XXXX but I haven't received any sort of response. I understand that the student loan was something I am supposed to be responsible for and I tried to be back when I tried to pursue a higher education but if I have known ahead of time that the transition happened with Navient 8 years later I would have committed to the promise I originally made when I was 18 especially since I have become a much more responsible adult over those years but the 90 day late payment tells a different story about me, one that says I'm irresponsible, that I don't follow up on my promises. It has set me back on reaching my financial goals like buying a home and getting a good interest rate on my car. I hope by doing this it can help set things straight
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity T
heft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the following Accounts, has violated my rights. 

DPT ED/AIDV- Account # XXXX, XXXX, XXXX XXXX XXXX # XXXX XXXX Account # XXXX XXXX- Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX- Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX- AccounXXXX XXXX XXXX  XXXX XXXX- Account XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX Account # XXXX 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 Also there are unauthorized Inquiries that are not made by me and need to be removed immediately according to FCRA Section 609 & 611. 

XXXX XXXX  XXXX Date Inquiry : XX/XX/XXXX - XXXX XXXX - Date Inquiry : XX/XX/XXXX - Equifax XXXX XXXXXXXX - Date XXXX : XX/XX/XXXX - XXXX XXXX XXXX Date Inquiry : XX/XX/XXXX XXXX XXXX XXXX - Date Inquiry : XX/XX/XXXX - Equifax XXXX - Date Inquiry : XX/XX/XXXX XXXX XXXX XXXX - Date Inquiry : XX/XX/XXXX - XXXX XXXXXXXX - Date Inquiry : XX/XX/XXXX - XXXX XXXX  - Date Inquiry : XX/XX/XXXX XXXX XXXX XXXX - XXXX Inquiry : XX/XX/XXXX - XXXX XXXX XXXX - Date Inquiry : XX/XX/XXXX - XXXX XXXX XXXX - Date Inquiry : XX/XX/XXXX - XXXX
Product: Mortgage

Due to XXXX  I have been unable to make my payments and had to skip XXXX  of them. But I have been making regular payments since then. I tried to make a payment on XX/XX/year> and their automated system and the online system wouldnt let me make a payment. I then called and spoke to someone who was ready to accept my monthly payment but advised me that I wasnt going to be current which I knew. I was then transferred to a. Supervisor because I wanted to make sure that the system was unlocked so I could make payments as before on the phone. The supervisor refused to accept the payment I was about to make and refused to unlock the system. He stated that unless I could make the entire payment amount he would not accept any payment and ended the call. Instead of allowing me to make the regular monthly payment and stay XXXX months behind he instead refused my payment and preferred to move toward foreclosure.
Product: Credit reporting or other personal consumer reports

I filed a FTC report for identity theft because my personal information was exposed in a data breach of over XXXX XXXX consumers personal information. I would like and appreciate to have all accounts showing on my credit report removed immediately pursuant to 15 USC subsection 1681. Ive sent my request for immediate removal to all XXXX credit bureaus.
Product: Debt collection

This is the last time im going to say this. Next step will be to file law suit.. PROVIDE ME PROOF THAT I OWE YOU!!!! I dont care about an account statement that will not hold up in court. You are not XXXX  XXXX and you can not speak on their behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone got a student loan in my name and the company won't remove this fraudulent account from my credit report even though I've already disputed and proven this account is not mine.
Product: Debt collection

XXXX and Transunion are refusing to remove the debt from XXXX XXXX XXXX off of my credit report for a apartment in the amount of XXXX. This debt does not belong to me I have a completely different address from what has been listed. I was married and shared two different homes over the course of the years in XXXX not in XXXX where this apartment is located. XXXX has removed this item off of my report because it does not belong to me, but Transunion and XXXX have yet to send supporting documentation that it is me. I have not went to court as a result of this debt which would be required for an eviction. I would like this removed promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

We refinanced our existing loan and closed on the loan on XX/XX/XXXX. We were told that as long as the refinance was completed before the due date of our old loan ( XX/XX/XXXX ) that it would not report late. The refinance closed on XX/XX/XXXX as planned and the company ( XXXX XXXX ) that held our old mortgage received the paperwork by XX/XX/XXXX. However, they then proceeded to put a 30 day late payment on our ( me and my husband 's credit reports ). They have been so completely rude to us during this process as well. Almost as if they are putting the late payment on our reports because they are upset that we did n't refinance with them or keep the loan with them. Regardless, their reporting is illegal and inaccurate and they refuse to fix the issue. They even put a late payment on our report for XX/XX/XXXX so we have 2 30 day late payments on our reports even though we were refinanced by XX/XX/XXXX. We have a late pay for XX/XX/XXXX and XX/XX/XXXX on our report. It has been a horrible experience and i would hope that no one else has to go thru anything like this. We have already tried working with the mortgage company and correcting the reporting with the credit bureaus but been unable to fix the issue. Please help us any way you can.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to pull both my credit report and credit file and was given the message from XXXX, XXXX and Equifax that using my social security number, that I would not be able to retrieve my consumer report and file.
Product: Mortgage

I got a tax bill my supplemental property taxes which in California is my responsibility although I was never told this in my  seven years of home ow nership. I have h ad two o ther lenders and in the past have gotten a letter saying I have a tax bill that is not covered or that there is n't enough money in the escrow account etc.. I am given the option to pay it or I can do nothing and they will pay it and my monthly payment will go up. I have not received anything from this company and I did not even receive my tax bill in the mail. I got a bill in the ma il  X/XX/2017  saying my tax bill was delinquent and I had to pay. I also have a {$420.00} fee now. I called the company and  all they said was it is not their responsibility. They said I can send the bill in and they will take it out of my escrow account I told them they should pay the fee but they just repeated it not their responsibility.This company also paid my homeowners insurance late. I had to call my insurance company and talk to them and pay a late fee, so I am really unhappy with their customer service and I do not appreciate them paying my insurance late and my not letting me know about my tax bill and letting me they are not responsible.
Product: Credit card

I submitted complaint XXXX XXXX XXXX. I received this complaint closure letter today ( XXXX XXXX ) with the following text : 'We reviewed the complaint you submitted to us on XXXX XXXX, 2015. Although complaints can be submitted on behalf of others, the bank has indicated that it is unable to process the complaint without authorization from the consumer. No further action will be taken on this complaint. The consumer can submit a complaint on their own behalf by contacting us ' This makes no sense. I AM the consumer and I filed the complaint. Since filing the initial complaint, Diner 's Club has closed my account in retaliation.
Product: Mortgage

I am trying to short sale my property, the Lender is Banco Popular Puerto Rico. I hired a Real Estate Company and the real Estate broker has a remote Short Sales ' processor/negotiator. 

BPPR won't grant my third Party Authorization, it was originally faxed and e-mailed to the bank and the bank 's employees requested to bring the paperwork in person. 

My Realtor and I walked into the bank on XX/XX/2018 and handed the Listing Agreement, the Purchase Agreement and the Third Party Authorization form to XXXX XXXX her phone # is XXXX, email : XXXX the lender still won't grant the third party authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$230.00}
Product: Debt collection

I have a a unverified account from Portfolio Recovery. I had previously disputed this account. I have never done business with PortfolioRecovery. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Portfolio Recovery Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Portfolio Recovery Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number