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

Dear Consumer Financial Protection Bureau, I am filing this complaint against XXXX XXXX XXXX for their continued failure to remove fraudulent information from my consumer report, despite proper notice and submission of all required documentation under the Fair Credit Reporting Act ( FCRA ). 
Over three months ago, I formally notified XXXX of identity theft involving fraudulent accounts opened in my name at XXXX XXXXXXXX XXXX ACCT # : XXXX ROUTING NUMBER : XXXX and Truist Bank ACCOUNT NUMBER : XXXX ROUTING # : XXXX What I have submitted to XXXX on XXXX XXXX and XXXX XXXX A police report : A signed identity theft affidavit Additional supporting documents verifying the fraud Despite this, XXXX has failed to block or remove the fraudulent information from my file. Their inaction is a clear violation of my rights under : 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block identity theft-related data upon proper notice 15 U.S.C. 1681b, for furnishing my report to third parties without a permissible purpose while it contains disputed and fraudulent data This inaccurate and uncorrected reporting has harmed me by impacting my ability to open new accounts and conduct everyday financial activities. 
Requested Resolution : I respectfully request that the CFPB : Investigate XXXX for noncompliance with the FCRA Require immediate and permanent removal of all fraudulent accounts and entries associated with this identity theft Hold XXXX accountable for failing to act within the required timeframe I am prepared to submit all evidence and correspondence to support this complaint. 
Sincerely, XXXX XXXX XXXX XXXX Email Address : XXXX XXXX
Product: Debt collection

I signed up for Invisalign treatment at a dental clinic called XXXX XXXX in XXXX, NY. I signed up for a payment plan at the clinic, but then I needed to sign a second set of forms before I could officially begin the Invisalign treatment. I contacted one of the clinic 's employees that has been handling my treatment process and told them that I wasn't ready to sign the second set of papers and that I wanted to put it on hold for the time being. My contact at the dental clinic agreed not to begin my Invisalign treatment. But then I started getting a multitude of calls from this company called Commenity Bank, up to 5 calls a day and deleted about 15 voicemails this week. I reached out to my contact at the clinic for assistanceo n the matter, but I'm not getting any response back from them.
Product: Credit reporting or other personal consumer reports

The credit bureaus stated everything was properly investigated. But how is that possible if the open date, date of last activity and much more is not accurate.. 

In accordance with the Fair Credit Reporting Act. The ground for removal has also violated my rights under 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 US.C : 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions The credit bureaus took more than 30 days to complete my investigation. 


XXXXXXXX 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 According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

This morning I received an alert from XXXX that there was a negative entry to my credit. When I checked, there is a collection of {$380.00} from Financial Assistance in XXXX WA. We have NEVER received anything from XXXX telling us what this debt is for. In XXXX 2016 We moved out of an apartment called XXXX XXXX in XXXX, WA. The moveout fee they charged us was {$560.00}, and after negotiation they agreed that we owed only {$190.00}, which we paid to XXXX in XXXX. But never have I been contacted from Financial Assistance regarding owing {$380.00} and I have no idea what this is for. The company 's address is XXXX XXXX XXXX XXXX XXXX, WA XXXX and their number is XXXX. Please help me with this. I have no idea what this money is for and I ca n't have this negative entry going against my credit. The only way I even knew this exists is from the XXXX alert that there was a negative entry on my credit report and this is incorrect. Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dated XX/XX/2019IXXXX XXXX has submitted a letter that this XXXX XXXX account be deleted.Account Number XXXX
Product: Mortgage

XXXX to present paid out of my pocket my taxes that were due got bills in the mail. Paid over {$6900.00} dollars from XXXX to the present and they were suppose to be escrowed out of monthly mortgage payment from XXXX and never was being paid by my mortgage co. to find out that my monies went toward another customers loan at Ocwen and I was told this my managers at Ocwen. Emails history statements recd from Ocwen. I have receipts of all my taxes and I am requesting reimbursement of what I paid from Ocwen. They are giving me the run around. Several complaints against Ocwen see their website. I need help and assistance through this and I want to be reimbursed for all this money I Paid for my taxes that were suppose to be going towards my escrow account for my taxed to find out from the beginning XXXX my money was being applied to someone else 's account at Ocwen. Please help I have receipts payment history emails from mangers at Ocwen.
Product: Debt collection

I've disputed the item multiple times through the consumer reporting agencies and the debt collector. No one has provided an organic contract between me and the debt collector. According to the original company they don't have any records of me owning a balance. Please explain how the original company has no record, but the debt collector does. This item has injured my estate. The item is preventing me from obtaining housing.
Product: Debt collection

I am writing to request your help. I tried to resolve this issue with TD Bank previously and did not receive any type of help. I am just asking what is fair. TD Bank is reporting a late payment on my credit report that occurred due to my mail being stolen and preventing me to receive any statement or late notice for me to honor. I am aware it is my responsibility to make sure the payment is delivered on time however, I did not receive my statement. I even reported this to the law enforcement agencies ( see attached proof ). 

I have always made my payments on time and will continue to do so. After realizing the payment date, I immediately made the payment, but by that time I was already marked late. 

Again, this was a situation that I could not control. Now I have a perfect record of on-time payments. I am requesting that TD bank removes the late payment from my record. By the time of the late, I had over {$50000.00} in the bank, which was more than enough to make the payment. This was not a money issue and I did never mean to be late. 

I feel stressed out with this situation. I even had to go to the doctor because I started experiencing health issues. I am demanding what its fair.This late payment is related to fraud. It is my right to dispute inaccurate information and have it removed, according to the FCRA. 

Account information : TD Bank USA/Target Credit. Account # XXXX. Opened XX/XX/2018, limit {$500.00}, status : paid and closed. This is the last step that I am taking before taking this issue to the next level and let the XXXX XXXX county courthouse take a decision.They have committed multiple violations under the FCRA, such as FAILING TO INVESTIGATE ACCOUNT AND FAILING TO MARK ACCOUNT AS DISPUTED AFTER THEY RECEIVED MY DISPUTE NOTICE. This is causing me financial and mental issues because my financial life is being ruined, I have not been able to obtain a loan of over 1,000,000 dollars and just because the late that TD Bank is reporting, which was not my fault. 

Thanks to whomever reads this complaint. See attached : - Letter sent to TD Bank and proof of fax ( which they ignored ) - Bank statement showing funds - FTC Report.
Product: Debt collection

Today between the hours of XXXX and XXXX XXXX the General Manager at JD Byrider on XXXX are XXXX XXXXXX/XX/XXXX and I were having a conversation about another agent, XXXX, and the illegal repossession of a XXXX XXXX XXXX XXXX I have contacted legal counsel and asked XXXX for contract, tracking number for a right to cure letter they stated was sent certified and payment history. XXXX and I were going back and forth. He then stated, I was trying to be nice to you but now you aint going to XXXX get XXXX! And hung up the phone. He called me from this number. XXXX
Product: Debt collection

On XX/XX/XXXX I received an email from XXXX XXXX informing me of a debt they were trying to collect for XXXX. I have had the same phone provider for almost 10 years now, so I replied to the email on XX/XX/XXXX asking them to please verify the debt they're claiming is mine. I have not received anything from XXXX XXXX. I am however getting bills from them, the most recent being XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items 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 items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Started to call : XXXX Started with an attorney XXXX/XXXX/XXXX Presented an possible option XXXX/XXXX/XXXX Submit required info : XXXX/XXXX/XXXX Sent Paystubs and ID for 3x XXXX/XXXX/XXXX Did not receive any communication by mail or phone until after my lawyer got involved. I also tried to email 2 different emails given to me by National recoveries ( after my lawyer was involved and they bounced back. ) This complaint is with XXXX XXXX XXXX, who has taken over my student loan. My loan was {$49000.00} after consolidation and this company added 13,000 to my balance. I tried to call the company 6 times and was transferred multiple times and then put on hold for 30 minutes to an 2 hours each call. No one would answer the call. I could never even get a voicemail. After multiple phone calls and hours on hold but could never get a person to handle my call. Shortly after they served a garnishment to my company. Now I was forced to hire an attorney to just simply try to set up payments. Per the federal government I am intitled to a rehabilitation program, but they will not allow me to initiate one even with an attorney involved. They will not even send me or my counsel a breakdown of the loans and the additional XXXX in fees added to my loan. Do they even own my loan?!!! They said they over nighted a packet twice now and I never received it. Then they stated my loans were in my maiden name and I had to proof my current last name. I provided ID and multiple other forms along 4 paycheck stubs. 3 times, directly off of my computer and the ID was enlarged. They stated they were not ledgable, so we sent them again making sure they were crystal clear and were told they were out for review. WHY would they need me to prove my identity when they have enough info to show who I am, as they are garnishing my wages through my employer. Now they will not even answer my attorneys calls and if I call from a different number and speak to a manager, when I disclose who i am, they say I am not allowed any information because I have an attorney. I am now being garnished on the 5th paycheck ( 4x higher than any payment ) and can not get resolution. I calleded the Student.ed.gov and prior student loan servicer and was told they can not do anything, This is taking a hit on me financially and killing my credit. I am now also not eledgible to help my daughter obtain student loans, so i am forced to pay out of pocket for her college. I am not trying to run from my loans, I am just trying to get into the rehab program. I am legally intitled to a rehab program after 9 payments BUT the XXXX that has already been garnished far surpasses the 9 payment option, that i should have been given 4 months ago. I need help in stopping the garnishment and getting put onto the rehab, which is my legal right ASAP. I am now also forced to keep paying an attorney to try to at least have a little help in the matter and that is not even helping.
Product: Credit reporting or other personal consumer reports

These below listed items were fraudulently reported Collection Agencies/ Creditors Account Numbers 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: Checking or savings account

On XX/XX/XXXX my account was robbed I contacted them sent in police report sent in all documents that was needed call back they still haven't put anything in the computer I asked to speak to higher up management or anyone that can help me with this case no one can help me it's a month later XX/XX/XXXX call back for the money that was taken out of my account they still tell me I have to wait 45 days I think that they're in cahoots with whoever took {$3700.00} out of my account I'm about to be put out of my home I went to the police I sent police reports I sent everything that they needed and they're still not trying to give me back my money I need help
Product: Debt collection

This is not my account. I'm unware of this account and did not have the opportunity to dispute before this information was placed in my credit report. Please provide the validation of debt, method of validation and assignment of debt. 

RESURGENT/LVNV FUNDING # XXXX Please remove account.
Product: Mortgage

I reached out to the Company via this Platform and received a response that is not any where near what I was told by the representatives that I have dealt with. 

They claim that a letter was sent that in conjunction with what was done. I was told By their XXXX XXXX that seeing as we were trying to get our loan refinanced as not only have housing prices risen but that rates had dropped and we wanted to lock in the better rate that we had been given. 

What prompted this was the fact that our house price had gone up without explanation and when reaching out could not get anything from them until they called trying to collect the amount that was left off. That is one reason why we wanted to refinance as the communication is beyond poor. In the previous complaint they addressed this portion and that is it. 

What was failed to address was the rep said he was getting with credit to keep any late notices off so that we could get the refinance completed and that it would hold off for 60 days so that this could happen due to their noncommunication. 

It was not a week later that this hit according to the lender that we are trying to use that this hit after talking to him. This is a case in point as to why we want to go else where no one here sticks to what they say.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts from XXXX XXXX on my Equifax report which are business accounts under a tax id and should be on my business credit profile only. While XXXX and XXXX XXXX, still Equifax reports it to my personal profile causing me damage.
Product: Credit reporting or other personal consumer reports

I request that the unauthorized inquiries be removed immediately from my credit report. Enclosed/Attached are copies of my credit report highlighting the disputed inquiries, along with any relevant documentation such as the FTC report ( if you have a copy or reference number, include that here ). 

Please investigate this matter and inform me, in writing, of the action that will be taken regarding these inquiries. I would appreciate a prompt response to this issue and the removal of the inquiries to rectify inaccuracies in my credit report. 

Thank you for your prompt attention to this important matter. Should you require further details, please do not hesitate to contact me directly. 

Sincerely, XXXX XXXX
Product: Debt collection

This is a debt I dont know anything about I have no contract with ad adstra
Product: Checking or savings account

On XX/XX/XXXX I had a check deposited into my account Check # XXXX Bb & t Bank charge me an overdraft fee twice. I called the bank on the same day to make a deposited into my account to avoid the fee. The same day the check was presented to company is the same day they charge me the overdraft fee. The did n't wait for the next business day to charge the fee, like they normally do. And also, on that same date I was also hit with another overdraft fee for a {$2.00} withdrawal. So thats two overdraft fee 's in one day. Fast forward to today XX/XX/XXXX. I went to the atm to make a deposit ( XX/XX/XXXX last night. My account said XXXX and change ... I wake up this morning XXXX check to my account. And now another XXXX over draft fee. ( How ) if i made a deposit last night of {$110.00} and was already XXXX and cents. I am starting to think this bank is robbing me ... {$100.00} in fees in under two weeks. and they ca n't do anything for me ... I ca n't afford these types of fees. Its starting to look like predatory. I would close this account. But its not in my best interest at this present time. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wayfair credit card ( Comenity bank ) incorrectly report my account delinquent when its not.I have contacted them, promised to update my credit report as current.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

EQUIFAX Collection : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance {$260.00} Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Collection : XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance {$260.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance {$520.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance {$500.00} Inquiries : XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 Collection : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance {$260.00} Inquiries 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

Out of the blue I received a letter stating I owe this company money. I phoned to see what this matter was in regards to. After being transferred to 3 different people, I reached someone claiming to be a XXXX XXXX @ XXXX XXXX. XXXX XXXX stated I had a car repossessed in 1997. I explained to her I never had a car repossessed. She tried to find further information and stated she could not find anything. I started laughing and asked her if this was a joke. She got upset and put me on hold and never returned to the phone. 

1997 is 21 years ago and out of the blue I receive a letter. Not sure what is going on here but this is absurd and needs to be reported
Product: Credit reporting or other personal consumer reports

My account with with those 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 those account 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.

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 reporting or other personal consumer reports

There is an unauthorized inquiry on my credit report that I did not authorize or initiate. This inquiry is harming my credit score. I contacted the creditor to dispute it, but they have not offered proof of my approval or taken steps to remove it. I request its prompt removal from my report. ''