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

I've reached out to XXXX XXXX XXXX several times to resolve this issue. My insurance company sent them a check for total {$10000.00} for total loss of the vehicle on XX/XX/12, the checked cleared on XX/XX/XXXX. I've attached a copy of the check for your review. XXXX never applied the payment to my account. They still have not located the check, although, I've sent them a physical copy of the checking containing the date, signature, and addressee of the check. This money has never been applied, after following the same steps each week of faxing them all the required documentation of the payment. I pray that you all can help me, I worked so hard to improve my life by make strides in my credit, only to have it diminished by the company. I've done everything they've requested, including emailing and faxing the checked they cashed. Pleasd help resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my bill for account MACY'S/DSNB ( opened XXXX XXXX, XXXX ) did not go through when it was on the auto-bill in the bank XXXX XXXX. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern and dissatisfaction regarding the handling of fraudulent items on my credit report, particularly in response to my initial attempt to have them removed. 

I provided detailed documentation and evidence to support my claim of identity theft and fraud. However, despite the seriousness of the issue and the evidence presented, the fraudulent items remain on my credit report. 

This failure to address the issue adequately is unacceptable and has caused significant distress and uncertainty. It is imperative that these fraudulent items are promptly and thoroughly investigated and removed to prevent further harm to my financial well-being and reputation. 

I expect a prompt and satisfactory resolution to this matter and request confirmation of the removal of these fraudulent items once the necessary actions have been taken. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX **** XXXX : {$2600.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$920.00} XXXX  XXXX Balance : {$380.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$2600.00} XXXX XXXX Balance : {$3000.00} XXXX  XXXX Balance : {$920.00} XXXX XXXXXXXX XXXX : {$380.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$920.00} XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX Balance : {$0.00}.
Product: Debt collection

I have never in life had a XXXX bill. My credit report says i owed the and it was sold to collections. It is stopping me from getting a personal loan, I would like it removed asap.
Product: Credit reporting or other personal consumer reports

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that. 1. INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THESE ADDRESSES AS THEY ARE NOT MINE XXXX XXXX XXXX XXXX XXXXXXXX Ga XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXXPLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Debt collection

XXXX acted solely on the information they recieved from the collection agency and ignored documentation sent to them by me requesting specific documentation which will lead to negative impact on my credit without cause. Which is totally unfair. I feel that these false accusations should be removed from my credit report and XXXX should be investigated for unfair practices
Product: Debt collection

I applied for a credit card of {$300.00} in XXXX. I assumed because of it being over 7 years that it was deleted/removed off my credit. However after moving to different states, they stated that I was receiving letters but I was not. Until XXXX when I received a summons to go to court to get sued. Now Im paying back for something over 15 years ago and it on my credit report
Product: Credit card or prepaid card

American Express XXXX denied my claims when I got scammed out of tickets and used their card to purchase them.
Product: Checking or savings account

I became aware of a settlement from Wells Fargo due to excessive overdraft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau is reporting inaccurate information on credit report with Macy 's.
Account went from OK XXXX-XXXX, LATE XX/XX/XXXX, CHARGED OFF XX/XX/XXXX NO DATA XX/XX/XXXXXX/XX/XXXX, BACK TO CHARGE OFFXX/XX/XXXX, BACK TO NO DATA XXXX-XX/XX/XXXX, BACK TO CHARGE OFF XX/XX/XXXX-XX/XX/XXXX CHAGED OFF ON SEVERAL OCCASIONS
Product: Student loan

I attended XXXX University in XXXX XXXX, VA from XXXX to XXXX. During that time, I received yearly student loans to pay my tuition. After I graduated, I got a deferment from repayment. Unfortunately, in the 18 years since I graduated, I have lost my original loan paperwork and I don't remember exactly when I started to repay the load. 

Currently, my student loans are serviced by Navient. I started working for the federal government in XXXX. Shortly after that, I had my school loan payment automatically deducted from my paycheck. I retired in XXXX of XXXX and contacted Navient in XXXX of XXXX to find out how much I still owed on my loans. 

It was very difficult to get an exact accounting of my loan history from Navient. They sent me a two-page history of my loan payments for the years XXXX through XXXX. In addition, they sent me a very confusing printout of my loan activity beginning in XXXX. They did not explain the reasoning for how my loan payments were being applied before XXXX. 

Also, it appears my principal loan amount changed over the years. On one of the Navient reports it says my original loan amount was {$80000.00}. On that same document, it says my original loan amount was {$84000.00}. In the report they sent me that covers the years from XXXX to XXXX ( although the years XXXX to XXXX are very confusing ) it shows that I made payments every month by automatic deduction from my paycheck in amounts varying from {$310.00} to {$380.00} per month. Because the report is so disjointed, I can not be sure of the exact amount that I have repaid so far. Nonetheless, my calculations indicate that I have paid more that {$32000.00} on my school loans. However, their report shows that I still owe {$80000.00}. In other words, despite my re-paying more than {$32000.00} on this loan, my principal has only gone down about {$4000.00}. 

When I took these school loans it was my understanding that these were low-interest loans guaranteed by the federal government. I know many people have defaulted on their school loans, but I am not one of those people. I paid the required payment every month for many years. I just want my original loan amount calculated correctly and repayment be made fairly, in accordance with the intention of the loan programs. It seems to me that Navient has abused its responsibility to the students and the federal government.
Product: Debt collection

Ive been filing disputes for months abt this unauthorized fraudulent account. I received an email alert from XXXX credit that said my email and social had been detected on the XXXX XXXX  Later that day I changed most of my passwords due to this being the XXXX time this year this happened. I noticed in my spam there were several emails from loan and credit card companies. I have reason to believe either and old neighbor or relative opened this account without my permission for years. This account was sold to collections which is further damaging my XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute a charged-off account reported by XXXX XXXX XXXX across multiple credit reporting agencies. As the Trustee of the trust account associated with this debt and the Executor of the associated contract, I am demanding the immediate removal of this account from my credit report due to the inaccuracies and inconsistencies in the reporting. 

The account details and discrepancies across reporting agencies are as follows : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Installment Account Condition : Closed Date Opened : XX/XX/XXXX High Balance : {$0.00} ( Experian, Transunion ) ; {$13000.00} ( Equifax ) Account Balance : {$0.00} ( Experian, Transunion ) ; {$0.00} ( Equifax ) Last Reported : XX/XX/XXXX ( Experian ) ; XX/XX/XXXX ( Transunion ) ; XX/XX/XXXX ( Equifax ) Amount Past Due : {$0.00} Limit : {$0.00} Remarks : " Transferred to another lender '' ( Experian ) ; " Purchased by another lender '' ( Transunion ) ; " Charged off account '' ( Equifax ) Responsibility : Individual Account Past Due - 30 Days : XXXX ( Experian ) ; XXXX ( Transunion ) ; XXXX ( Equifax ) Past Due - 60 Days : XXXX ( Experian ) ; XXXX ( Transunion ) ; XXXX ( Equifax ) Past Due - 90 Days : XXXX ( Experian ) ; XXXX ( Transunion ) ; XXXX ( Equifax ) The reported inconsistencies are as follows : High Balance : There is a {$0.00} balance reported on Experian and TransUnion, yet {$13000.00} is reported on Equifax. 
Last Reported Dates : The dates of last reporting vary significantly between agencies, with Experian showing XX/XX/XXXX, TransUnion showing XX/XX/XXXX, and Equifax showing XX/XX/XXXX. 
Past Due Information : The past due amounts across agencies differ in terms of the 30, 60, and 90-day periods, which is inconsistent and incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentialality under 15 USC 1681. 

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 XXXXXXXX XXXX  XX/XX/XXXX XXXX USC 1681 section 602 A states I have right to privacy.

15 USC 1681 section 604 A Section 2. It States a consumer reporting agency can not furnish a account without written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account ( XXXX ) Name ( XXXX ) and Number ( XXXX ) : Record type : Public Record : XXXX XXXX bankruptcy dismissed ; Reference number : XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX - To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I  respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 

What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 

Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX Circuit Court, XX/XX/XXXX.. 

Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( XXXX, XXXX or XXXX ) this action might constitute fraudunder both Federal and State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent
Product: Debt collection

Crown Asset Management , LLC - XXXX, Georgia XXXX Violated the " Fair Debt Collection Practices Act '', ( 1 ) By purchasing a former Creditor 's Debt, that originated with XXXX XXXX & trying to Collect their " Own Debt ''. ( 2 ) Seeking Interest & Fee 's without a " Contract ''. I had written a letter of dispute to Crown Asset Management & their acting Attorney 's - XXXX - XXXX, Fl. XXXX. But they have chosen to have me appear on a Summons for alleged Debt, without good cause. I signed " No '' written Contract or agreed to any terms or conditions with any Collection Agency, such as Crown Asset Management LLC. I wrote my letter in my dispute. " I conditionally consent upon proof of claim & upon proof of cause. If you can provide a signed Lawful Contract with equal consideration ; Full disclosure & Lawful terms & conditions of the Alleged Debt to " Crown Asset Management , LLC. That I signed a contract or obligated to pay any, or all of the alleged claimed funds Crown Asset Management. I am under " No '' Legal Obigation to any collection Agencies & my written contract was with XXXX XXXX. Neither Parties responded to my Request, because they knew, all too well, they could n't. Now I must defend myself in Court of Law & being the Victim of mischievous & unfair practices by these parties. I am asking for Fair Justice & to investigate this serious Matter & prevent such Activity from occurring in the future with other poor Victims. Respectfully Submitted
Product: Checking or savings account

Account Number : XXXX I'd like the 9 charges of $ XXXX  monthly maintenance fee to be removed, and the amount returned to my account. 

I signed up for a promotion, and did not receive the promotion. I also did not receive my statements. I moved in XXXX, and just recently received my statements for the past 9 months. I updated my address for this account. 

Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed two credit disputes with LexisNexis in regards to a bankruptcy being reported on my consumer credit Public Records profile. My last certified dispute letter was dated XX/XX/2020. I requested that they provide me the original documentation bearing my signature and method of verification for this public record and all associated accounts or promptly delete. LexisNexis responded to my last request. The response letter was dated XX/XX/2020. LexisNexis stated on page 2 the following, " After a reinvestigation of the data in question, LexisNexis verified that bankruptcy case number XXXXXXX is accurately reporting on your LexNexis Risk View Report. '' LexisNexis did not provide the original documentation bearing my signature or their method of verification in this matter.
Product: Credit reporting or other personal consumer reports

This is in reference to inaccurate information that DEPT.OF ED/XXXX is providing to EQUIFAX and EQUIFAX is publishing to my consumer file.The inaccurate information is in regards to late payment ( s ) which never occurred and is being represented as 120 days late in XXXXXXXX XXXX  but timely payments on months prior and my accoint were never late on any payments. UNDER ( FCRA ) CREDIT REPORTING AGENCIES ARE REQUIRED TO MAINTAIN ACCURATE AND COMPLETE INFORMATION. FCRA 607 ( b ) ( 15 U. S. C 1681 e ( b ) .. BE CLEAR IM NOT ASKING FOR VALIDATION BUT IT TO BE REMOVEDFROM MY EQUIFAX CREDIT FILE OR UPDATED TO POSITIVE PAYMENT HISTORY
Product: Credit reporting or other personal consumer reports

Inacurate information Reporting on Credit Report. These are the Accounts That I Mark Inacurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

JP Morgan Chase " JPMC '' offered me a credit card through XXXX XXXX. After receiving the credit card with the promotions JPMC allowed me to make purchases, recieve promotional flight miles and pay my bill. The bill payments were on time and there were no issues with the credit crd purchases nor the payments to the creditor. After paying my initial balance I had a small balance that was paid on time as agreed. Soon thereafter, JPMC closed the account for a reason that they would not give. After multiple calls to JPMC refused to give a reason for cancelling the credit after two bill cycles and 100 % on time payments. Because of this my credit dropped, and JPMC would no longer take minimum payments as agreed in the initial contract. JPMC not only wouldn't give a reason for the cancellation of credit account they also refused to allow me to speak to anyone that would give me clear information about why this account was closed. There was no violation of the terms for the credit card, my credit worthiness had not changed in a negative direction. At this time JPMC is showing a discriminatory practice with taking away the credit that was extended and agreed upon. I believe that the demographics and my pertinent personal identifying information has caused JPMC to cancel the credit agreement. In canceling the agreement I believe the credit file should be deleted from my credit report with no traces of negative impact to my credit history, report or score.
Product: Credit reporting

I wrote the credit reporting company to dispute that they have a bankruptcy listed on my credit file. I asked for information on how they verified this to be my account that they are reporting incorrectly. They have responded that they verified that this is my account. They stated that this was verified and no change to my report. They indicated that it was verified by US Bankruptcy Court KY XXXX so I contacted the courts and they said that they do not verify anyone 's information and all my records are frozen so I want to know where they are obtaining this information. They are boldly reporting false information and reporting their false investigation methods.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft ; I have mailed police report, identity theft report and proof of ID to Experian to dispute unauthorized inquiries reporting to my credit file. I have an extended fraud alert that prevents accounts being opened in my name but it does not protect against the inquiries from the attempts
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently in the past 6 months has disputed negative/unverfied items reporting on my Equifax, I spoke with a representative at Equifax and was told clearly that they would not submit my dispute letter that i mailed out to them on XX/XX/2020. Equifax clearly has not and will not respond to my 4th dispute letter that I mailed on XX/XX/2020. Attached is proof of my 3rd and 4th dispute letters that I mailed out to Equifax, with them not processing the 4th dispute letter.
Product: Credit card or prepaid card

I purchased merchandise in XX/XX/XXXX and paid through my bank on time, however, the company claimed my payment was received a day late. I called in XX/XX/XXXX and explained the situation and they waived the late fees as a courtesy, and informed me that my account was zero. Thereafter I started receiving late fees again after my account was zeroed. I don't understand why I have to keep paying fees if my account was cleared in XX/XX/XXXX. The problem is that I am a full time employee and night time XXXX so I didn't even see the late fees until XX/XX/XXXX - by now they are compounded and I don't know what to do. They should be ashamed for exploiting customers like this.
Product: Mortgage

This is just an inquiry about mortgage insurance. I had a financial gift from a friend to purchase a house and in the interest of keeping my monthly payment low, my most important criteria, I opted to pay the mortgage ins up front, lump sum, so it would n't be added to my monthly bill. I was XXXX and it was my first home purchase, in 2014. I did this solo with no outside assistance, and though my intellect is good, financials make my eyes cross. Aside from that, everything is done so quickly, it 's hard to grasp what is actually happening. I opted to buy it up front, in the amount of {$4000.00}, thinking this would cover me for a few years until my record was established, and though they did ask me more than once if I was sure I wanted to do this, I do n't know if consequences of this decision were relayed to me. I do know nobody said this was not a wise decision, that I would likely end up losing more than I was getting. When my mortgage was sold after about a year, that money vanished. I 'm sure my mortgage insurance payments would not have been $ XXXX for 12-18 months, and mortgage ins never came up with the next mortgage company. When I refinanced with a different company, I was told that money was gone. I 'm just wondering if there 's any possibility of recouping a portion of these funds. If not, I have to accept that, but it seemed, at least in hindsight, that this was an area in which I was taken advantage of, being a novice in this situation. Thank you.
Product: Checking or savings account

I want all my " citi '' accounts closed and a check for the balance mailed to me.