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

XXXX  XXXX XXXX. XXXX  XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX US DEPARTMENT OF EDU DEPT OF EDXXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX US DEPARTMENT OF EDU DEPT OF EDXXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX US DEPARTMENT OF EDU DEPT OF EDXXXX XXXX XXXX
Product: Mortgage

My home is mortgaged through Nationsatar Mortgage, DBA Mr. Cooper. My homeowner 's insurance and property taxes are escrowed. They have the policy information for my homeowner 's insurance. They failed to pay the renewal, now over a month past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

BARCLAY HAD XXXX XXXX XXXX REPRESENT THEM AND FILED A JUDGEMENT IN XXXX GENERAL DISTRICT COURT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX I PAID {$2400.00} ON XXXX. WE CONTACTED XXXX XXXX XXXX AND PAID IT IN FULL AND THEY PRMISED BARCLAY CREDIT CARD WOULD REMOVE THE COLLECTION AND ALSO NOTIFY THE COURT THIS HAS BEEN PAID IN FULL. THEY HAVE DONE NEITHER AND STATED THEY WILL NOT REMOVE IT OR MARK AS SATISFIED IN THE COURTS BECAUSE IT WOULD RUIN THEIR REPUTATION. I HAVE SPOKEN TO THEM THREE TIMES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a claim with the CFPB, asking that they look into the information that Transunion is reporting. This was probably the laziest " investigation '' I have come across! Transunion responded to my complaint with the word " updated '' next to each item of the disputed information. Yet, the disputed items still remain inaccurate and unverified! I demand a reinvestigation and I do not consent to E-Oscar! Transunion obviously has no respect for my privacy! Transunion never addressed not responding to my disputes upon confirmation that they were received via USPS tracking. Transunion did not address my right to privacy being violated by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX. Transunion never addressed how these companies obtained my nonpublic personal information such as my social security number and other personal details which I did not provide them with or consent to them having! Transunion did not address how XXXX 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 never gave me the opportunity to opt out of consumer reporting. If I established a relationship with these financial institutions, where is the adequate clear and conspicuous disclosure notice that was allegedly signed upon establishing the relationship!? Transunion did not address how the information is inconsistent with other major credit reporting agencies. Who is right, who is wrong? If Transunion can not provide me with physical proof establishing 100 % accuracy of their reportings, they ned to delete the information! Lastly, Transunion did not address the incorrect payment data for XXXX XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX, Do not delete these two accounts, just update the payment information to on-time, being that I did not miss any payments! Overall, updating information is not proof of an investigation! There were serious claims that they did not address or provide me proof of.
Product: Credit card or prepaid card

good afternoon, I have a Home Depot account on my credit report that belongs to someone else and is affecting my credit due to the fact that the account has a balance, that person called the company and asked for my removal and it has been 3 months and nothing has happened.. if you could please help me out with this situation.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Reference number : XXXX Case name : XXXX XXXX Case number : XXXX The detail of my complaint is as follow : I received a letter from Bank of Americas Legal Order Processing, indicating that they received a subpoena, summons, or both pertaining to the above reference case. As a result, Bank of America will release my financial records to the law firm. 

I called Bank of America and told the representative that the party has mistaken my identity for someone else, and Bank of America should not release my financial records. 

The representative said they were able to match my information. Again, I told the representative that I only have a checking account and after checking with the legal department, the agent said the social security provided by the law firm requesting my financial records is not a match. The number is for another person, not me, and is not a match. However, the agent insisted that Bank of America will  release my financial information per the law firms request. 

When I asked the representative to fax or email the county clerk authorized subpoena or summons, she refused. 

Please investigate this matter and inform me of the results. 

Sincerely, XXXX XXXX
Product: Debt collection

I submitted letters of verification to the credit bureaus to validate collection and negative accounts on my credit report by requesting and sending me a copy of my signature on contracts with all companies on my credit reports that are showing negative or collections i.e. paramount recovery systems I sent certified letters off to all three credit bureaus on XXXX XXXX, XXXX. I heard back from the credit bureaus stating the account was valid but did not produce a copy of my signature on a contract. I.e. paramount recovery solutions. 

I received a letter in the mail on XXXX XXXX, XXXX from paramount recovery solutions stating they received notification for validation and attached documents with contained a break down of services I received at a hospital which includes : my name, social security number, date of birth, diagnosis, diagnosis codes, and insurance information. I was not aware that my very personal and private information was contain in these documents that were addressed to me in an erroneous address that could have been sent to the wrong address ( the document had the wrong city ) and my information could have been compromised and may have been comprised.
Product: Debt collection

When I was initially alerted about this debt, I requested debt validation and proof that this collection agency was licensed to collect on debt in XXXX  XXXX DC. After several requests, that information was never provided and months later this account is still being reported as a collection on my credit reports. Neither XXXX nor this debt collection agency have properly validated this debt. There is no way an account previously included in bankruptcy should appear as a new collection years later. Furthermore, this company isnt licensed to collect debt in XXXX XXXX DC.
Product: Credit card

I have an account with Citi Costco for over a decade however, my biggest complaint is the customer service and the lack of security, anyone can call in and have your account cancelled without showing prove of who they are as this bank hires weak, incompetent people that don't even speak English, all their customer service is routed overseas. If you try to get anything done as simple as activating your card, they will mess up and block your account, so you have no access. My complaint stays and I will not remove it because I am telling the facts. I had my account closed which I am an authorized user on it and recently had someone call and get it cancelled without any evidence or security check or verification at all from customer service showing how weak and easy it is to breach and mess with someone. I am owed rewards points at least {$600.00} which I won't receive, these people are unethical, sloppy and have no accountability at all. There are millions of one-star negative reviews for Citi Bank and all of their products including their credit posted online along with all the scam and frauds associated with them. Additionally, another problem I had with them is their random decrease in spending limit without warning or reason despite ruining your credit, additionally they already ruined my credit history by shutting down my account so easily due to one malicious call from an unauthorized user and now are trying to lie through their teeth about it. I am not receiving a credit score from XXXX due to this mistake as it now unscoreable and the quick and appalling and abrupt closure of my credit account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Flat XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XX/XX/2024 Avant LLC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, IL XXXX REQUEST FOR 1099c Dear Sir/Madam, I am writing to request a copy of the 1099c form for the debt that I owed to your company, which was charged off. The debt in question is related to account XXXX and was charged off for the outstanding balance.. 

As tax season is wrapping up, I noticed that I have not received the required forms for a reported charge off. It is illegal to withhold a 1099c. When you are the fiduciary you have a responsibility to the trust. If you have submitted a 1099c to charge off the debt on the IRS side but did not supply a copy to me that is willful negligence and you are preventing me from being in compliance with the IRS. If you have not submitted this debt on your profit and loss, then this is considered tax fraud for manipulating the loss with a failure to report. I will exercise my right to use form 3949a information referral & form 211 which is reported to the whistleblower address for the IRS. I will also file a police report and report this to the Secretary of State in which your entity is registered.

It is essential for me to have all the necessary documentation regarding my financial affairs, including the charged-off debt. I understand that it is a requirement that your company file a 1099c form for this debt, and I kindly request your assistance in providing me with a copy of this document. According to the IRS a 1099c is a notice to the IRS that the financial institution has forgiven or canceled a debt of {$600.00} or more. You are blatantly enforcing an alleged debt after you have received a tax benefit from the charge off.

Having the 1099c will enable me to accurately report the charged-off debt on my taxes and ensure compliance with all tax obligations. I would greatly appreciate your prompt attention to this matter and the timely provision of the requested documentation. I need to resolve this matter efficiently and appreciate your cooperation in helping me meet my tax responsibilities.

Thank you for your attention to this request. I look forward to receiving the 1099c for the charged-off debt as soon as possible. 

Sincerely, XXXX : XXXX, XXXX
Product: Checking or savings account

Ally Bank is not responsive. On XX/XX/XXXX I received XXXX emails from Ally " we restricted your accounts because we detected suspisious activity on XX/XX/XXXX. You may not be able to log in or transfer money out of your accounts. '' I was on vacation but did call Ally on XX/XX/XXXX and they told me it was their error and there was no suspicious activity. I asked if they were sure? They said " yes '' I verified balances. At this time all the money was there. I checked on XX/XX/XXXX and my balance was fine. I checked on XXXXand {$91000.00} was missing from my savings account! I told Ally I did not authorize this transfer. They said they called me twice, but I never received the call. The phone number they had was not mine! I opened a case XXXX. I can not speak to the fraud dept., the customer servics reps. have no information. Ally negiligently release my money in a wire transfer to XXXX XXXX, never notified me or verified it was me. I am still missing the money with no response or help from Ally.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX BALANCED {$760.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : Also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Debt collection

I was not living in the state of XXXX at the time of these charges, as stated before this is identity theft and I have no knowledge of these charges.
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Mortgage

I have received a Demand for Payment Notice ( Attachment # 1 ) dated XX/XX/2016 for a {$990.00} Rate Lock Cancellation Fee which is based the Rate Lock Confirmation Acknowledgement and Agreement and {$420.00} for a Appraisal fee. 
I have abided the terms of the mentioned agreement and do not owe these sums. When I called to try and resolve this demand notice, the American Heritage Capital representative, XXXX XXXX XXXX, refused to acknowledge the requirements of the agreement. American Heritage Capital LP Rate Lock Confirmation Acknowledgement and Agreement states " in an effort to recoup any cost associated in processing and underwriting your loan, a {$990.00} Lock Cancellation Fee will be imposed if you withdraw or cancel your loan application and subsequently close with another lender within 90 days of the original lock date on the same property ''. ( Pg XXXX of Attachment # 1 ) This agreement was signed on XX/XX/2016 which means the 90 day period ended on XX/XX/2016. 
American Heritage Capital LP has deemed that the rate lock was cancelled as stated in the Demand for Payment Notice. As I offered to send to XXXX XXXX, please accept this signed letter as my attesting that the same property was not closed on with another lender within the specified 90 days. Attachment # 2 is a copy of my current Mortgage Loan Statement just paid on XX/XX/2016 providing evidence that no closing occurred. Since the Rate Lock Confirmation Acknowledgement and Agreement specifies that any costs associated in the processing and underwriting your loan are included in the {$990.00} USD Lock Cancellation fee, there are no grounds for American Heritage Capital LP to request any other costs incurred including the {$420.00} Appraisal Fee. 
As mentioned above, American Heritage Capital LP Rate Lock Confirmation Acknowledgement and Agreement states that a {$990.00} fee will be imposed if I withdraw or cancel AND subsequently close with another lender within 90 days of the lock, and I did not close with another within 90 days of the lock. Therefore, I do not owe American Heritage Capital LP any costs. Please help me obtain written confirmation from American Heritage Capital LP that this matter has been clarified and is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX OF XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX creditor name is incomplete and I am not certain what the name of the creditor is? 
account numbers are truncated and they don't even match. 
date of first delinquency is incorrect. 
date of last activity is incorrect. 
payment history is reporting incorrectly. 

This account has numerous inaccuracies and I fail to understand how it has been verified as accurate? Did you investigate? What was the process that you used? Who did you talk to? Was everything Metro2 compliant? I don't think so!
Product: Checking or savings account

On XX/XX/2023 I called ( XXXX ) XXXX ( the automated system verified my account by hanging up and calling me back ) to inquire about a refund from XXXX in the Amount of {$48.00} for a product that I didnt receive. There was only {$6.00} deposited and I was inquiring why while I was put on a brief hold there was roughly a {$150.00} that was moved out of my account and the balance showed {$0.00} and the called dropped. 
I called back ( XXXX ) XXXX the automated system verified my account by hanging up and calling me back. I was explain that I was on the phone with a representative and she was checking on a partial refund from luminess as I was explaining that the {$150.00} that was moved to my checking account which made it a total of {$340.00} the total went to {$0.00} so now my checking and and credit builder count has been depleted and the call dropped. 
I called ( XXXX ) for the XXXX time I explained to the representative that I called to inquire about a partial refund today I was given as I was on the phone with the representative my money was moved from my credit builder account account into my checking account then transferred to someone That I dont know who it is it was stolen while I was on the phone with your customer service. 
I have been given the run around for a week and a half with you all I am very dissatisfied as a customer I have been given a different story every since the day I have called to file a report. My money was stolen Im just asking out for justice. As of XXXX XX/XX/2023 XXXX XXXX I have filed my 15 Rebuttal and still have yet to receive any documentation on how they determined a denial! 
Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a fraudulent account from Moneylion LLC listed on my credit reports from XXXX, XXXX and XXXX. The account was an installment loan. I did not obtain or authorize any such loan. I disputed the information with the credit reporting agencies and further filed an identity theft report with the FTC. The credit reporting agencies presumably conducted an investigation into the account, but the results of the investigation did not modify the fraudulent and incorrect information listed in my credit reports. I have made multiple attempts to contact Moneylion LLC. In my email communications with them, a customer service representative directs me to call a hotline and can not help me via email. However, the " dedicated '' hotline has a wait time of 300 minutes ( 5 hours ). It seems to me that Moneylion does not want to solve the problem. It also appears to me that the credit reporting agencies did not actually conduct an investigation and did not provide any useful information on the fraudulent account beyond a generic status update. Since this fraudulent account is now flagged as overdue, my credit score has dropped over 100 points.
Product: Credit reporting or other personal consumer reports

I was late for my student loan many many years ago due to my bank changing bill pay company. I have never been late after that. That was back in XXXX. It's still over the 7 year threshold. I called to ask them when I was late, and the representative on the phone said I already disputed the charge. It's been over a year and it's still on there.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Balance : {$280000.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items listed still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, Experian, XXXX, and XXXX  stated in writing that they've verified that these items are being reported correctly? Who verified these accounts? They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.