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

I'm disputing the following accounts in Pursuant to FCRA 611 ( a ) ( 5 ) ( b ), and the fact these accounts are not mines, and unknown and unauthorized by me, and I'm requesting that the 3 major credit bureaus block these accounts. XX/XX/2019, the 3 major reporting credit bureaus response was " accounts verified ", verified by whom, what time, what date, and what physical documentation. And electronic Verification can not be accepted as proof so with that said either your company block these accounts or send me signed, sealed physical documentation of the accounts you and your companies are reporting. Please remove the following unauthorized accounts. 

1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) Dept of ED/XXXX {$7300.00} 4 ) Dept of ED/XXXX  {$5400.00} 5 ) Dept of ED/XXXX {$3900.00} 6 ) Dept of ED/XXXX {$3000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an XXXX XXXX XXXX XXXX XXXXXXXX and XXXX. Ive already included this report in a previous letter & I am including it again. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are not complete and accurate.

I sent a letter asking them to make sure everything is complete and accurate.

They haven't sent me back anything about the investigation. They are ignoring my disputes.

And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 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.

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting or other personal consumer reports

The results said the items I disputed were no longer on my credit report which as of today they are still reporting. Under the FDCPA please remove XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I WANT TO GET ME AND MY CHILD A PLACE TO STAY AND I REALIZED THAT I HAVE DAMAGES ON MY CREDIT REPORT AND ACCORDING TO THE 15 U.S.C 1681 LAW THERE SHOULD NOT BE ANY FDAMAGES ON MY CREDIT REPORT THAT IS A DEFIMATION TO MY CHARACTER
Product: Credit card or prepaid card

US Bank Reliacard has ruined my life My card was frozen in XX/XX/XXXX. This card account held every penny I had to my name. I complied with their demands and sent proof of identity, proud of address, both current and previous, as well as a forwarding address that I was at currently, and account information for verification. I sent it by email. I sent it by fax. I have it to them verbally. This went on until XX/XX/XXXX! In that time, while my card was frozen, I could not eat. I was stranded out of state, 700 miles from home. I then lost my home and all my belongings because I had no way to get home, or pay my bills, for three months. They cost me everything. They eventually mailed me what appeared to be a check in late XXXX. However, upon trying to cash the check. I could not. After numerous calls to US Bank Reliacard, they finally informed me I must take the check to one of their US Bank branches in person. There is only one of their banks in the entire state, and it is still over four hours away. Which was impossible. I never did make it to a branch in person. 

In addition, my wife had just XXXX XXXX, I'm told. I was not there. I have had to continue this ridiculous process yet again in an effort to retrieve the funds from my wife 's account. This has gone on from XX/XX/XXXX up to today, XX/XX/XXXX. Four more months have passed and I send them POA, MPOA, Affidavit of heir, other notarized documents indicating my status as next of kin, Agent by proxy, and court stamped documents naming me Adminstrator off my wife 's estate. I have sent images of her social security card. Images of both our drivers licenses. I have sent them her death certificate. All have been sent over 20 times. Five times a month, for over for months. They have not replied to any single question I have asked. They have not acknowledged receipt of emails or documents. They have done absolutely nothing to resolve this problem. Did I mention my name is even on my wife 's account? " In care of '' ... My name, clearly on the account with my wife, and yet they continue to ignore my rights and obligations. 

US Bank Reliacard had literally cost me absolutely everything I possessed in the entire world and has had nothing to say about it at all.
Product: Credit card

I spoke I a representative from Kohls Charge via phone on XX/XX/2022. During this call, I informed the representative that I was experiencing a financial hardship. I explained that I wanted to bring my account current, with lower monthly payments. The agent explained that I could benefit from a financial hardship payment plan, that would allow me to pay $ XXXX. I asked the agent if my account would be closed after enrolling in the program. The agent advised me that my account would NOT be closed. I then agreed to enroll in the program. After enrolling, I received a letter in the mail a few weeks later, saying that my account has been closed due to my enrollment in the hardship program. Since then, I have been asking Kohls to listen to that call, so that they can hear the agent telling me that my account would not be closed. Kohls will not listen to the call. The charge off of my account caused my credit score to drop significantly. I would not have enrolled in the program had I known my account would be closed. This is why I specifically asked if my account would be closed upon enrollment in the program. This is not fair credit reporting.
Product: Checking or savings account

My debit card is frozen. Theres {$110.00} in the account but Citizens Bank claims they cant send me a text with a number to confirm. Even though my cell number is on my account. 
They keep giving me the run around and wont tell me what causing this. Im XXXX, home bound except for doctors appointments and I can not come in to my local branch as Im unable to XXXX. 
I do all of my shopping online so this really interferes with my day to day living.
Product: Debt collection

This is an attempt to collect on a medical bill that was and/or should be paid by the State Of Arizona. The medical care was contracted under an industrial injury. The injury occurred XXXX2016. The State of Arizona has an claim # XXXX for payment of this service. 

I have told the practitioner who to contact and how to be paid. I believe the state has already made payment and the practitioner is attempting to double bill.
Product: Credit card

Brief summary : Wells Fargo added my approved credit card to someone's existing profile instead of creating a new profile for me ( as I've never had any WF products before ), and I have not yet been able to activate or use the credit card nearly a month after being approved. 

On XX/XX/XXXX, I applied and was approved for the Wells Fargo Autograph credit card with a credit limit of {$11000.00}. Several days later, when I received the credit card in the mail, I attempted to create my online profile and activate my card with no success, as I kept getting a message stating the information I was providing did not match. I called in and was transferred around until they eventually advised me that I needed to go in person to confirm my identity, as my profile with them was showing different information. 

On XXXX, I went into a local branch where the banker confirmed that somehow my credit card was added to someone else 's profile. He explained that he was able to see all my information was correct in the credit card application itself, but when he searched for my profile, nothing was pulling up with my information because the credit card was already assigned to another person 's profile ( essentially, a profile was never created for me in their system ) that seemed to have the same first name as me and nothing else in common. That same day, after many calls by the banker, we were advised my issue would be escalated to the Executive Office and provided a case number. They also initiated an identity fraud dispute despite my protests, as I was not disputing the authenticity of my credit card application ; however, the representative advised it needed to be done as well. 

I called the Executive Office the following week, on XX/XX/XXXX, and was advised the case would be assigned to someone to be worked on. I was advised the person 's name was XXXX  who confirmed a few days later that this process could take 7-10 business days to resolve, as I was calling every couple of days. 

Today, XX/XX/XXXX, I called in again and was transferred to a new person named XXXX, who advised that they actually had just received this complaint and that it would take 10 business days to resolve. 

I asked XXXX to be transferred to a supervisor or manager but was advised they were not available and that they would give me a call back. I have been told multiple times that someone would be in contact before, yet never once have I received a single call from anyone ; I've been the one to always call in. 

This is extremely upsetting, as this essentially meant that nothing was done in those first 7-10 business days. I first applied for this credit card at the end of XXXX, and at this point, I have yet to be able to activate/use it nearly a whole month after applying.
Product: Credit reporting or other personal consumer reports

I sent XXXX letters dated on XX/XX/year> to these 3 credit bureaus, XXXX, EquiFax, and XXXX to inform them of inaccurate information ( late payment removals/derogatory ) concerning 3 closed accounts that needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

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

Months ago, I have sent a letter to the XXXX credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please delete the following items that are harming my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ally Bank submitted fraudulent information to XXXX XXXX after I left their company in order to retaliate, harass and intimidate me.
Product: Credit card or prepaid card

Well my credit card and my email had been hack in XX/XX/2019. Back when capital one was hack. They said they close my account before that happened which that's a lie cause you dont know how long that person who hack in their system. Before they caught them had information. So thing was chang on my personal setting. So I'm not paying I always paid on time. When that happened I was hurt. But they said I got to pay the balance. No way buddy!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB Complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX Balance Owed : {$940.00} XXXX is reporting a different information from other bureaus. This account was never late and I always make my payments on time. This account is only reporting as late in your bureau. If your record keeping had been accurate, this account should have never been late. Per FCRA, reporting of account information must be accurate ; I need this account updated immediately. Thank you. 

XXXX XXXX Balance Owed : {$0.00} - Please check the Payment History and Status information on this account. It is entirely wrong, to begin with. I was never late on this account because I make my payments on time. My record shows that I never missed a payment. Please update all late immediately. The current status is all wrong and a scorable category. Please update for legal accuracy. Thank you. 

XXXX XXXX Balance Owed : {$3200.00} - XXXX Credit Bureau is reporting different information from other bureaus. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX XXXX Balance Owed : {$0.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate information. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you.
Product: Credit card or prepaid card

In XXXX of 2015 I opened my first credit line with Synchrony Financial through Amazon.

I have been paying my loan off for the past 6 years & I have recently gained access back into my Synchrony online account to review why my balance is in fact increasing rather than decreasing when I have been paying 2X the minimum payment towards my loan for the past 6 years. 
Upon reviewing my recent statements I noticed that 65 % of my loan payment has been allocated to my a mysterious " Card protection fee '' for the past 6 years. This fee was initially a couple of dollars on my first statement which was under a line item of a " Security 5 Fee '' which ultimately led me to believe it was a general fee that was included with the credit line. Once I had accumulated a larger credit balance & had opted for paperless statements this fee was raised to $ XXXX {$48.00} over the past 6 years. Which i had no idea about. 
I have gone through all of my emails & any mail that I had stored from Synchrony & Amazon from when I signed up for the credit line in 2015 from which I could not locate any information regarding that I had signed up for a " third party service '' as stated by the Synchrony account manager. So for the past 6 years I have been paying 65 % of my payment towards a product that I never agreed to sign up to nor did I even receive any information in regards to this. The worse part is that Synchrony has not once notified or even informed me that I have been paying for these services instead they have been allocating 65 % of my monthly payments to this fee & increasing my total credit balance due to the payment I am making is not covering the interest on the loan due to the 65 % going to this mysterious fee that was scrupulously added to my account. Synchrony has not even tried to contact or inform me of this practice even though my credit balance has increased almost {$1000.00} due to my interest payment being $ XXXX {$15.00} short on every monthly bill because 65 % of the payment is being allocated to this fee.
Product: Credit reporting or other personal consumer reports

Congress finds there is a need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I am the authorized representative and original creditor on behalf of : XXXX XXXX XXXX Upon review of my credit report, I have noticed discrepancies in the information reported by XXXX, XXXX and XXXX. It appears that there are inaccuracies regarding the debts owed and listed on the consumer report. As the original creditor, I request a thorough and FULL investigation into these discrepancies and a FULL disclosure of the consumer files you have on record. In accordance to FCRA the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. ALL listed accounts are an invasion of privacy and extortion of credit. Nelnet is not in compliance with FCRA and are reporting inaccurate, unfairly and impartial information causing the consumer harm in extending credit and defamation of financial character. Nelnet, Account No. XXXX, Date of Account XX/XX/year>, I would like to receive the PROMISSORY NOTE connected to my student loan ( XXXX ) in demand for accord and full satisfaction of the principal loan amount. Securitization of the assets was not disclosed to the consumer which would have essentially affected the consumers conscious decision making on the goods or services from Nelnet. This would constitute Non Full Disclosure and unfair or deceptive acts or practices and a host of other violations listed below : FCRA SEC. 5 : unfair deceptive acts or practices 12 CFR 1026.13 15 U.S. Code Credit Billing : 1666. Correction of billing errors 1666a. Regulation of credit reports 1666b. Timing of Payments 1666c. Prompt and fair crediting of payments 1666d. Treatment of credit balances 1666e. Notification of credit card issuer by seller of return of goods, etc., by obligor ; credit for account of obligor 1666.f Inducements of cardholders by sellers of cash discounts for payments by cash, check or similar means ; finance charge for sales transactions involving cash 1666g. Tie-in services prohibited for issuance of credit card 1666h. Offset of cardholders indebtness by issuer of credit card with funds deposited with issuer by cardholder ; remedies of creditors under State law not affected 1666i. Assertion by cardholder against card issuer of claims and defenses arising out of credit card transaction ; prerequisites ; limitation on amount of claims or defenses 1666i-1. limits on interest rate, fee, and finance charge increases applicable to outstanding balances
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had XXXX late payments on a account i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments on this accounts that I have included screenshots inside this complaint in on dates of XX/XX/22 XX/XX/22 Please investigate and provide proof with statements showing that these payments were late, if proof cant be provided i demand these payments to be updated as paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached
Product: Mortgage

There are XXXX issues here. 

XXXX. I am trying to closeout my mortgage ( Bayview ). I have XXXX more payment left to pay. The mortgage company just sent me an escrow statement saying what my new payment will be in XX/XX/XXXX. My last payment should be next month. I have my house on the market to be sold. I need clarification. I tried numerous times to call but I never could get through to address this issue. 

XXXX. About XXXX years ago XXXX XXXX changed my address of the property. The mortgage company still has the old address ( XXXX XXXX XXXX XXXX noted on my mortgage documents. I received the formal documents of the change address XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX and sent those formal documents to the mortgage company ( Bayview ). They have yet to change the address to the new address XXXX XXXX XXXX XXXX XXXX in my mortgage documents. I need them to make that change to receive the correct Deed of the property. I sent the formal document electronically to the mortgage ( Bayview ) company weeks ago. Before I submitted the document, I called a told XXXX of their representatives what the issue was. Nothing has been done to correct this issue.
Product: Student loan

I recently looked at my credit report and noticed a new entry a charge off by PHEAA/AES/XXXX which I assume refers to a student loan I co-signed. This account was turned over to a collection agency XXXX, XXXX XXXX XXXX 5 years ago. I have been making monthly payments to the collection agency for 5 years. I have not missed a payment. How can this account be recently added and listed as a charge off?