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

To my complete and unbiased knowledge ( * XXXX XXXX XXXX * ) has a responsibility to ensure accuracy and completeness on ANYTHING you are reporting on me pursuant 15 U.S.C. 1681. Having the understanding and position, I am requesting that you forward me any supporting or justifying documents you have on my file allowing you to report this alleged eviction.

I am expecting a response from you within 30 days from the dat you receive this letter. If said documents can not be produced, please delete these evictions from my report immediately.
Product: Debt collection

Received notice of medical debt collection on my credit report in XXXX of 2025. Disputed the debt twice with credit company, requesting letters of verification and validation. Debt has not been validated in writing despite two requests. The new ruling on medical debt means this should not have been put on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the collection account listed on my credit report related to my former XXXX auto insurance policy ( Policy Number : XXXX ). 
Creditor Name : XXXX XXXX XXXX ( XXXX ) Original Creditor : XXXX Insurance My XXXX auto policy expired on XX/XX/XXXX, and I did not authorize any renewal or extension. 

However, XXXX unilaterally extended the policy for 18 days and billed me for this period. Since I had not requested this coverage, I did not make the payment, and the balance was wrongfully sent to collections. 

I later settled this collection on XX/XX/XXXX, and my account balance is now {$0.00}. Despite this, the collection remains on my credit report, severely impacting my credit score. My credit score is dropped from XXXX to XXXX just because of this unauthorized collection notice reporting. 

Since this was an unauthorized extension and not a valid debt that I agreed to, I request that this collection account be removed from my credit report under the Fair Credit Reporting Act ( FCRA ). 

Please investigate this matter and remove the collection from my credit report. I would appreciate a written response confirming your actions. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Information not correct for XX/XX/2022 it was pay as agreed
Product: Credit card or prepaid card

I purchased a couch and love seat from Ashley furniture online on XX/XX/22 using my Ashley XXXX credit card. An hour after making the purchase I canceled the order. Ashley furniture charged me for the canceled items. Neither the store nor sychrony bank will help me remove the charges even though it shows the order was canceled.
Product: Credit reporting or other personal consumer reports

I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported on XX/XX/21 that they deleted my XXXX  finance account due they could not validate account and deleted my charge off. I have attempted to reach out to the original creditor and credit reporting agencies since last XXXX and Experian and XXXX still have not deleted account
Product: Checking or savings account

I opened a Citi priority checking account with a promotion of {$700.00} if a minimum amount was maintained for a certain duration. The account was opened in XX/XX/2020 and all terms were fulfilled sometime in the Fall. I called and was told a W9 form needs to signed ( nobody told me this was a requirement ). So in XXXX, I went into a Citi branch and signed the form. I called numerous times since then and was told to wait 5 business days each time. I believe Citi has deceived me each time as the {$700.00} promotion has yet to be deposited.
Product: Mortgage

This company is poorly managed and unaccountable for anything. 

I emailed the company on XXXX, to ask if I could set up automatic payments on the XXXX and XXXX of each month because that is not an option on their online bill pay. As of XXXX, I still have not received a response. 

On XXXX, I received an email from XXXX XXXX about refinancing my mortgage to a lower interest rate. on XXXX, I responded to XXXX by repeating my request to be removed from their marketing list. I told him ( again ) that I am not interested in doing any further business with this company. XXXX, XXXX confirmed he was removing me from that list. XXXX, I received another offer to refinance my mortgage with them. 

I told XXXX and his brother ( I can not recall his name right now ), during the closing process and after we closed that I am completely disgusted by this company and will not do business with them in the future. I was very clear about not wanting to receive any sales or marketing attempts from them and that I wanted to be removed from selling or sharing my information with anybody. 

Please advise if this should be a second complaint : My closing process was drawn out with them. They were unable to manage the paperwork and sent forms with incorrect mortgage rates on them to the notary, who was helping me sign the paperwork. Had I not been paying attention, I would currently be paying a higher rate than we negotiated. I'd like my entire loan application and paperwork reviewed by the CFPB - recommend reviewing all VA Loans, at a minimum. 

This company makes it difficult to communicate with anybody, to inquire about anything, or to gain any sort of ethical assuredness.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding an inaccurate credit reporting issue on my Home Equity Line of Credit ( HELOC ) account with XXXX Bank. This incident marks the first delayed payment in my XXXX credit history. 

I have been a customer of XXXX XXXX for over XXXX years, always ensuring timely payments, as my HELOC account is set up with automatic payments. However, while I was traveling outside the country, the automatic payment scheduled for XX/XX/2024, was returned due to insufficient funds in my XXXX XXXX checking account. Unfortunately, I received no email or text communication notifying me of this issue. 

I became aware of the missed payment at the end of XXXX, when a friend who was checking my mail sent me a screenshot of a letter from XXXX XXXX the XXXX period had already passed. Despite this, I immediately logged into my account and made a payment of {$1500.00}. However, the payment was posted on XX/XX/2024, and was consequently reported as delayed to the credit bureaus. 

I also sent a formal request via postal mail to XXXX Bank, asking for this delay to be waived and for the reporting to be corrected, but I have not received any response yet. 

Given the circumstances : I was traveling internationally and did not receive timely notification from XXXX XXXX XXXXbout the failed payment. 
I took immediate action to make the payment once I became aware, well within the XXXX mark. 
This is the first delayed payment in my entire XXXX credit history. 

I respectfully request that XXXX XXXX correct this error and remove the late payment from my credit report to prevent further damage to my XXXX XXXX. 

Thank you for your attention to this matter, and I look forward to your assistance in resolving this issue.
Product: Credit reporting

A new name was added to my Trans Union credit report It lists a middle initial I do not know who added it I do not have a middle name or initial
Product: Credit reporting or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. The items below should all be updated to paid as agreed on my consumer report. As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because I've been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney General 's Office, XXXX XXXX XXXX  and Federal Trade Commission ). In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX  Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

company calling for subject that does n't live here or that I have no contact with, I have asked them twice not to call here and was promised that they would not call again. they are calling and leaving messages every day again
Product: Debt collection

Me XXXX XXXX XXXX XXXX and my daughter ( XXXX XXXX XXXX s state taxes have been intercepted by XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX collection agency, Financial Asset Management Systems INC ( FAMS ), addressed at XXXX XXXX, XXXX, GA XXXX # XXXX. The year of XXXX, XXXX XXXX started making {$25.00} payments and was able to get the original bill amount of {$1800.00} down to XXXX. XXXX XXXX then paid the remainder balance of {$1200.00} on XX/XX/XXXX because FAMS stated that we would receive all back pay of State Taxes they confiscated from both of us. We never received anything. This as been a long drawn out process that should have never happened. Theres also 2 different account numbers on one account which shouldnt be. Acct # XXXX ( {$1800.00} ) and Acct # XXXX ( {$1200.00} ). We both are due a refund because they have been overpaid. Please help. Thank you in advance. 
XXXX XXXX XXXX XXXX
Product: Mortgage

I have a home mortgage with Well Fargo, that they brought from the closing lender I had 3 years ago. I was told my payments would be around XXXX-XXXX with a downpayment. I am locked in at a rate of 3.75 percent and I do not have a variable mortgage where it is suppose to jump. Well they jumped my payments to XXXX without my consent and are now telling me because of my escrow account. I do not agree and I believe that no one should be able to go in and just change your mortgage payment like that especially when you signed a contract.
Product: Mortgage

Issue with Wells Fargo trying to increase my escrow monthly payments on 2020. Wells Fargo claims that my escrow account will be unfunded. However, according to my calculations, by keeping with current escrow payments, added to the escrow balance as of XX/XX/2020, and after paying taxes and home insurance, there will be an actual surplus of {$3700.00}. Neither my taxes nor my home insurance will increase this year as a matter of facts, taxes will be decreasing by {$270.00} this year. Details and numbers bellow : Escrow balance {$5100.00} As of XX/XX/2020 Escrow remaining 2020 payments {$13000.00} As of XX/XX/2020 8 payments of {$1600.00} Total Escrow deposits end of 2020 {$18000.00} 2020 Taxes ( {$12000.00} ) 2020 Home Insurance $ XXXX XXXX ) Total 2020 payments ( {$15000.00} ) Escrow surplus ( deficit ) {$3700.00}
Product: Credit reporting or other personal consumer reports

Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : ALL DEPT OF XXXX/ ED In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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 a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antidotes the report by more than seven years.

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.

I demand the collections be removed from my account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$610.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$610.00} -This is not my account.
Product: Money transfer, virtual currency, or money service

I received a check from the XXXX v checkr settlement fund. I'm just getting around to opening my mail due to being out of the country and the account this check is from is now is closed. check no : XXXX routing : XXXX account : XXXX is where the check was issue from. I have written the company and have not heard a response. The check was returned by my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the XXXX XXXX XXXX XXXX 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 XXXXXXXX
Product: Debt collection

I sent a letter to Enhanced Recovery Company stating that I pulled my credit reports and noticed an unfamiliar collection on my credit reports, which I had not been aware of. Rightfully, I requested VALIDATION of the debt, requesting PROOF that I am indeed the party bound by CONTRACTUAL OBLIGATION to pay the debt. I requested PROOF OF AN AGREEMENT with their client that authorized them to collect on the alleged debt, and most importantly, an agreement BEARING SIGNATURE of the alleged debtor wherein he promises to pay the creditor. They provided NONE of the aforesaid VALIDATION. All I received was VERIFICATION in the form of a phone bill with my name on it. No VALIDATION whatsoever that this account belongs to me or that I entered into a contract. Yet, they continue to report this inaccuracy on my credit reports. When I initially filed a complaint with the CFPB, Enhanced Recovery Co. responded that they received my request for validation and that they " verified '' ( not validated ) the account. VERIFICATION and VALIDATION are not interchangeable! There is a difference between " validation '' and " verification ''. I did NOT request verification. I requested validation! They have not been able to furnish anything that proves that I am contractually obligated to this account in any way or that this account belongs to me. They are unable to VALIDATE the contract, yet continue to tarnish my credit worthiness by reporting this inaccurate information to multiple credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury also defamation of character. I can't get a job nor can I apply for credit.
Product: Credit card

I have been getting calls from someone claiming to be from XXXX XXXX XXXX in regards to an Indigo Card. 

I've explained to the caller I dont have an Indigo Card, have never applied for one ... and I have had a credit lock on my account for a few years now. 

I also have my number in the " XXXX '' list and they are bypassing this. 

These calls are being originated in various phone numbers with slight variation on the last 4 digits. 

Thus far, I gotten a call from : XXXX, XXXX, XXXX This is definitively fraudulent activity.
Product: Credit card

I always pay my credit card bill in full every month. The billing period for my credit card statement ended on XX/XX/2024. Even though I paid my credit card statement in full and my payment posted on XX/XX/XXXX, I was still charged a {$29.00} late fee and {$9.00} interest. I contacted CitiBank and they agreed to waive the late fee but not the interest because they expected payment in full on XX/XX/XXXX which is XXXX  days before the end of the billing period. 

I don't think it is fair to charge interest when the outstanding balance is paid in full and posted before the end of the current billing period.
Product: Credit reporting or other personal consumer reports

I have student loans with provider XXXX XXXX. 
XXXX XXXX never sent me any correspondence in writing to my address. 
I was unaware that it was time to start paying my student loans back. 
I know there was some delay due to covid and political decision making. 
I was waiting to get a bill from my loan provider to start paying. That letter never came. 
They were however able to contact credit agencies and crash my XXXX XXXX by XXXX points. 
As soon as I found out about any past due balance, I quickly paid it and am current in my account. 
I know now that they were sending emails to an email I no longer monitor. 
I would like them to remove their negative reporting to the credit agencies. 
I am sure they are required to send me some type of statement in writing before they destroy my credit.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$6700.00}
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this account ( A ). It is not permitted to report this account as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/year>, made a purchase through Paypal ( synchrony Bank ) for an XXXX item. 

Purchased additional shipping protection for any damages. 

The item arrived damaged but was accepted. 

I contacted the seller regarding the issue, but there was no resolution. The seller would not honor shipping protection nor rectify the damages. 

Contacted PayPal and opened a claim against the seller. Paypal found in favor of the seller. 
I reopened the claim ( I believe ) 6 times with the same result. 

I am left with a damaged item and no resolution to make it functional.
Product: Checking or savings account

On XX/XX/XXXX I called the company in regards to the withdraw amount. I then went in person to the physical location XX/XX/XXXX to have my account frozen and a claim filed. Told the process should take no more than XXXX to XXXX week. The check was withdrawn from my account for {$2400.00}. XXXX email was sent about my account being frozen, no claim number or contact information provided. 

XX/XX/XXXX Called for further information XXXX went into physical location to ask about the status of the fraudulent check. Again told the mater was being investigated. 

Called XXXX I called XXXX times and the call drop. No information was provided. The agent told me the check was fraudulent but then the call dropped and I was never called back. 

Called XXXX, I called XXXX times was told by customer service that the situation was to complicated to explain but they were continuing to investigate my account. No claim number or further information was provided. 

Called XX/XX/XXXX I called 3 times. The XXXX told me my claim was closed. Refused to give me the claim number or any information about the check or where my money had been withdrawn to. Refused to cc me into an email to the person investigating my account. Second time my call was dropped and never returned even after providing call back numbers.
Product: Credit reporting

I want to have this issue removed from XXXX and XXXX as well
Product: Debt collection

My attorney had assured me that the collection issue was handled, yet it continues to show up on my credit report. Each credit report thus far shows a different amount. I call to get an answer and they refuse to speak with me and said they would only speak with my lawyer. I cant afford to pay my lawyer anymore money when he told me it was handled. Im asking this permanently be removed from my credit report.