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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX OF XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I was a victim of a hit-and-run accident sustaining multiple injuries. My medical bills have been paid by my auto insurance and medical insurance. I have XXXX active insurances for which I pay huge amounts as premium. The so-called Collection Agency named XXXX XXXX  has been threatening and intimidating and this was reported to CFPB. My insurance company sent the proof that the original creditor ( an ambulance company named XXXX XXXX XXXX  ) was paid for their service. Transunion was given all the proof of payment by XXXX and still they refused to remove it from my credit report and reporting false information. Transunion is colluding with the collection agency and Transunions action is unlawful. The collection agency repeatedly lied to CFPB on multiple occasions. XXXX  times I filed dispute through Transunion website with testimony and proof that I am not responsible for this and my auto insurance and medical insurance paid all legitimate amounts. The proof is again attached and Collection Agency is still attempting to threaten by keeping Negative false information on my Credit Reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am frustrated in regards to the accounts that are not associated with me, I have filed an identity theft report and faxed it over to all 3 bureaus, I have contacted Experian, XXXX, and XXXX  via phone, fax, and certified mail. I haven't had any luck in getting anything resolved. I am trying to buy a home, and accounts that are not associated with me are coming back and reporting negatively which is impacting my score tremendously. These accounts have been lingering on my account since 2014 The following accounts where tied to my name which I havent opened : XXXX XXXX in the amount of {$590.00} XXXX XXXX in the amount of {$450.00} XXXX XXXX XXXX in the amount of {$450.00} XXXX XXXX XXXX in the amount {$220.00} XXXX XXXX XXXX XXXX in the amount of {$550.00}
Product: Checking or savings account

Hello! Someone opened my correspondence at this address XXXX XXXX  XXXX XXXX XXXX fl XXXX and used my information to request a card that the bank sent him and that person made changes to my cheking account like adding another different phone number and the bank made it very easy all those changes that bank error caused a lot of damage Such as overdrafts in my account And errneous activity in my account balance I lost a lot of funds and I applied twice for a crdit card and they denied it to me due to an error by the same bank for his negligence and dishonesty.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report XXXX XXXX Balance Owed : {$6400.00} XXXX XXXX Balance Owed : {$9100.00} XXXXXXXX XXXX XXXX Balance Owed : {$8400.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$9100.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX A XXXX Balance Owed : {$2900.00} XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against [ Name of Credit Bureau or Creditor ] for failing to respond within the required 30-day timeframe as mandated by the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ). 

On XXXX XXXX, I submitted a formal dispute regarding 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 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 which contains inaccurate and unverifiable information on my credit report. According to the FCRA, the credit reporting agency and/or the furnisher is required to complete an investigation and respond within 30 days. However, as of today, I have received no response. 

Since the required timeframe has elapsed without proper verification, I demand the immediate deletion of the disputed account ( s ) from my credit report, as failure to verify within the given timeframe means the information must be removed per FCRA 611 ( a ) ( 5 ) ( A ).

Requested Resolution : Immediate deletion of the unverified account ( s ) from my credit report.

Written confirmation of the deletion. 
An explanation of why the investigation was not completed within 30 days. 
I request CFPB intervention to ensure compliance with the Fair Credit Reporting Act and to protect my consumer rights.
Product: Debt collection

Ditech calls all times of the day and night the representative is rude and disorderly. The supervisor is never available and the person who is representing me is rude and nasty
Product: Checking or savings account

on XX/XX/XXXX at XXXX XXXX  My institution which is Found Debit Card allowed three debits for {$100.00}. Only one should have been Debited. XXXX XXXX XXXX XXXX additional times and told me that it was a glitch in the system. I contacted my debit card customer service as well as XXXX XXXX XXXX card letting them know about this error on their part. Found provided me provisional credits in the amount of {$210.00}. 

Today Found took {$100.00} from my account. I contacted and asked for and explanation. Found told me in an email today XX/XX/XXXX " Unfortunately, your dispute case was not decided in your favor and provisional credits provided in your account has been removed. I sincerely apologize for the inconvenience. Email from XXXX '' This is stealing from me and totally unacceptable. Please help or direct me to the parties that can get this resolved. They have proof that XXXX XXXX XXXX a mistake and XXXX XXXX  clearly admitted the mistake.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/XXXX, I applied at Post Lake Lending for a {$1200.00} loan. I needed the loan because I fell behind on rent, and XXXX was approaching. 

After applying for the loan and verifying my Bank information, I received an approval and a document to sign. After reviewing the document, I decided that this loan was not the best option for me. On XX/XX/XXXX, I got a call from Post Lake Lending. The lady on the line asked if I wanted to continue pursuing this loan. I told her I did not because after reading the loan disclosure, I did not want a loan with a 200 % APR. The lady assured me that I read the document WRONG, and that the APR did not accumulate until after a year. If I paid the loan within a year, I would not pay interest. I agreed and signed the document. 

I also inquired about how to make my payments. The lady told me that I could only make my payments over the phone, and Id be notified 3 days before the my due date via email with a payment reminder. 

XX/XX/XXXX, I received my first email regarding my due date for my first payment for XX/XX/XXXX. The email doesnt specify the payment amount. On XX/XX/XXXX, my account was overdraft $ XXXX from Post Lake Lending . Infuriated, I called their customer support. I was informed that this {$300.00} payment was scheduled every 2 weeks, which would equate to me paying a total of {$9000.00} to Post Lake by the end of my loan agreement. I expressed to the gentleman that I was on the phone with that I read something like this in the disclosure, and I opted out of the loan. But was then called by a lady that called me assured me that I did not read the loan agreement right, and I would not pay interest on the loan if I payed it within under a year. He told me that the lady should have read me a disclosure.
Product: Credit card or prepaid card

On XX/XX/2019 I noticed my payment for my promotional purchases did not go through due to issues with their website : https : //d.comenity.net/wayfaircard I spoke with a customer service representative to see why my payments did not go in as scheduled for the promotion purchase that was expiring XX/XX/2019 that expired resulting in a finance charge of {$400.00}. I discussed that there was issues with the their online payment system but I did get a website confirmation that the payment was scheduled to be paid. The payment however did not complete so the promotion expired and I was charged the finance charge {$400.00}. I disputed the charge with the Comenity and their resolution was that I did not pay it off in time disregarding the efforts that I did attempt to pay it off before the expiration. 

There was a separate promotion purchase that was expiring XX/XX/XXXX. I noticed once again that the payment did not go through for this as well. I called the XXXX at approximately at XXXX on XX/XX/2019 to  resolve this issue as well. I was told that since I was in within their grace period of 3 days since it expired on the weekend that if I made the payment over the phone I would not be charged a finance fee of XXXX. However on XX/XX/2019 I was charged the finance fee. I spoke with another account manager and she stated that since the payment went through at approximately XXXX PST it would not post the next business day so I was responsible for the finance charge.
Product: Checking or savings account

Despite my multiple attempts, Chase Bank has consistently declined my requests to open a new account due to a supposed outstanding balance. This has become a perplexing issue, particularly because I have already contacted their Recovery Team and confirmed that there are no remaining debts under my name. Their representatives have assured me that I am indeed eligible to apply for a new account without any hindrances. This persistent discrepancy between the bank 's response and the recovery team 's assurances has left me feeling frustrated and unsure about how to proceed.
Product: Credit reporting or other personal consumer reports

This account was charged off in XX/XX/year>. Since then, it has been repeatedly updated as charged off every month. This is an update on the payment history. A charged-off account should not include an active payment history. This inaccurate information falsely manipulates the statutes of limitations. You failed to investigate this account properly, and your neglect has violated my rights. 

I am demanding the deletion of the following account : XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I hold a " Customized Cash Rewards '' Visa credit card issued by Bank of America. B of A has removed benefits from the card without notification. Cardholders such as myself were informed we have these benefits, many of which are insurance or some form of insurance ( e.g. Auto Rental Collision Damage Waiver ), when in fact we are not insured. In addition, the company has made it extremely difficult to learn what benefits the card actually has. This contributes to the problem and could be intentional. The difference in benefits on my card is documented in two guides I have obtained from B of A in XXXX and XXXX. These two documents specify the same effective date ( XX/XX/XXXX ) but different and diminished benefits. 

On or before XX/XX/XXXX I built a spreadsheet of the benefits offered by my credit cards so I could keep track of which card was best for each purchase. Some offer better benefits, others better rewards, etc. My then-named " Cash Rewards '' card from Bank of America was the only one that didn't have the benefits guide available on it's website. I had to call in to request it, which I did. I was mailed a " Your Cardholder Benefits Guide '' as seen in the attachment, page 1. It detailed five card benefits effective XX/XX/XXXX : Purchase Security, Warranty Manager Service, Auto Rental Collision Damage Waiver, Travel and Emergency Assistance Services, Lost Luggage Reimbursement, and Roadside Dispatch Program. 

In XX/XX/XXXX, I thought one of those benefits, Purchase Security, would apply to a purchase I had made. I had a very difficult, lengthy and poor customer service experience ( not the issue here ) trying to find out if it would help me. I was surprised to find out that my card did not have the Purchase Security benefit though I had never been notified as such. I then tried to get a copy of my current benefits guide. It still was not available on the card website and I had yet another difficult, lengthy and poor customer service experience obtaining one. After hours of effort, one was mailed to me and it is attached starting with the letter at page 2. To my surprise, my card had been stripped of all but two of the five original benefits effective the same date : XX/XX/XXXX! I received no notification but given the effective dates, there's clearly a problem here. I brought the issue up to customer service and they said there was nothing they could do.
Product: Credit card or prepaid card

I am disputing American Express ' presentation of three auto-payments that were not authorized by me, and were not applied to my American Express account ( in the total amount of {XXXX} ). I did not notice the fraudulent withdrawals until early XXXX as my husband was in and out of the hospital for many weeks. I contacted American Express help desk and was told that American Express could n't help because the bank was the one that authorized the payments. I then contacted XXXX XXXX, and they did review the transactions, but they explained that payments are made to American Express based upon the information American Express provides. 
Attached is a print-out of my account showing all withdrawals made by American Express. 
In addition to withdrawing unapproved funds, the withdrawals were not credited to my American Express account. 
Attached are copies of my American Express account covering the fraudulent withdrawals which show that the withdrawn funds were not credited to my account.
Product: Debt collection

A company reached out to me stating that I owe a debt, yet there was no supporting documentation for this claim. I want this account to be removed from the consumer report immediately. I do not know this company and I am sure have not been in a contractual agreement with them. I want this account to be removed immediately.
Product: Debt collection

Portfolio Recovery Associates , LLC Did not give me the opportunity to dispute this da debt Under the FAIR DEBT COLLECTION PROTECTION ACT.
Product: Mortgage

I have not received a response to my previous correspondence regarding the errors or decisions that have been made on the account. Since XX/XX/2023, there have been additional changes to the account. 

For reasons unknown to me, the following decisions and errors have been made on my account : 1. Failed to reinstate the account in accordance with the HAF program.

2. Returned Txhaf payments.

3. Blocked my ability to make regular monthly payments.

4. Placed my account into a loan modification without my consent or knowledge.

5. Informed me of their intentions to accelerate the mortgage.

I don't understand why these decisions have been made. As I stated in my correspondence to PHH dated XX/XX/2023, I can afford the monthly payments. 

Additionally, due to the fact I can no longer afford to protect/defend my home ownership rights within the deed of trust against errors and mistakes made on the account. My family and I have lost peace of mind and enjoyment in our property, knowing that despite my ability to pay, PHH has refused to reinstate the mortgage without explanation since XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an eviction sealed by the court on XXXX XXXX 2022 and it is still showing up on my rental history. Apparently transunion is responsible for this portion I am not entirely sure. I contacted the courts but they said they can not even see my case anymore so I have to go through this process now.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 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 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: Vehicle loan or lease

In XX/XX/XXXX I purchased a RV trailer from XXXXXXXX XXXX XXXXXXXX in XXXX, XXXX for an amount of {$60000.00} on a 9.24 % interest rate term of 240 months with BMO Bank/XXXX XXXX XXXX XXXX . My monthly payment is {$550.00} with a daily periderm of {$14.00}?? ( something cent ). I have made payments greater than the monthly payment regularly and none of the extra money went to the principal amount, nor credit to the next monthly payment. I have a complete history of payments and nine of them have 100 % went to interest, not a cent to my principal amount. My current amount owed for the loan ( XX/XX/XXXX ) {$58000.00}! I am in negative equity amount of $ XXXX now! When I spoke with the bank manager, XXXX XXXX XXXX : XXXX, she originally told me that something was wrong with the amounts and would look into it. After a week, she told me that they set-up the loan to be paying interest up front ( like a mortgage loan ). I have had many of those and have never had anything like this. She then tried to explain that because I was late on a few + {$30.00} late fee, I was accruing additional interest. That was the reason for the different principal/interest amounts for each payment and the reason for all NINE payments of 100 % interest payment to the bank loan. She then told me that I have fallen a month behind on the payments and that was another reason for the payment amounts to principal/interest. As of XX/XX/XXXX I am now ahead on payments and after I have raised concerns about the disbursement of payments, my last payment broke down as follows ( XXXX XXXX XXXXXXXX $ XXXX {$220.00} ). My payment history of Principal/Interest is either 100 % interest or more interest than principal. I would like all my past payments to be revised and/or the loan restructured!!! I want the credit of payments to be corrected, so I am not financially stuck with a predatory loan and the years it would take to get out from the absurd amount of negative equity this loan has caused. I have also requested all payment history and an amortization of the payment with no response. They BMO web account will only give me eight months of payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset because how can the bureaus just place information on my report without my knowledge of where exactly the information even came from so I sent off a letter on XX/XX/2020 to this date on XX/XX/2020I have not heard or received information from them regarding issues that are misleading and unverified I know this has to be a violation of my consumer rights because it has been over 60 days now without a response. I just hope they find out who the information belongs too and remove it from my profile. I do appreciate the quick response and the removal of inaccurate accounts.
Product: Debt collection

I received a call from Credit Corp solution for a debt I don't know anything about.
Product: Checking or savings account

I have a personal checking account at Usbank. In XXXX XXXX I durable power of attorney on my roommates account while he was out of town. During the time he was gone I managed his account with no issues. In XXXX XXXX he returned and took over all his own financial affairs. In XXXX of XXXX, he committed fraud on his account and Usbank is holding me responsible and has frozen all my account along with all my money. My roommate claims to have taken responsibility for his fraudulent activities. However the bank refuses to reinstate my account and release my funds. The bank has documentation of how the fraud was committed and I am not part of it. It is crystal clear. 
Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$3700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$8200.00} ; XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am asking for the following account to be deleted on my Credit report ; These accounts listed below does not belong to me, I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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

This XXXX account was deleted from my Experian credit report and Experian put it back in my credit report the investigation was finished and the account was deleted from my credit file it has not been reinserted back into my credit file the credit law says that and account that has been deleted can not be inserted back into a credit report i have attached documents that prove this account is fraud