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

I have disputed this account with XXXX, XXXX and Equifax several times. Most recently on XX/XX/. I asked for a contract and proof of debt. I did not receive any documentation of the this alleged debt until I filed a complaint with CFBF. 

My problem is with the verification of this account. How was the account verified as accurate as reported on my credit report? XXXX, XXXX and Equifax all allegedly completed it's investigation into the account it came back verified. XXXX XXXX provided me with an " itemized '' bill that I have never seen before. The bill does not have my correct address on it nor is it accurate. It has an address different from the address on my credit report and a different address from the driver license that they attached to the bill. The driver 's license belongs to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, Texas XXXX however, the bill belongs to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Texas XXXX. My name is XXXX XXXX XXXX, I have never resided at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. This account has been mixed up or merged with another account. It is not accurate. 

Be advised that this IS NOT a dispute or another opportunity for you to reinvestigate the previous dispute. The period to conduct such a reinvestigation has expired and shall not be extended by law. In lieu of the disputed information, you willfully failed to conduct a reasonable investigation. As a result, please delete this account. Additionally, as per the FCRA, you are liable to me for damages for you conduct. In addition to deletion of the disputed account, you are demanded to send a check in the amount of {$1000.00} payable to XXXX XXXX XXXX.
Product: Mortgage

We have already submitted several complaints about same situation and now I have just found out more information which is destroying us and needs rectified immediately. One of past complaint numbers is XXXX. This should help you get the other and all past case information. Thank you. 
The new case info I just found is that Bank of America placed info in our credit file that states we had a foreclosure started. I warned them at least 2 years ahead of situation that was coming and they did not do mod until we missed payment. We made late penalty and then made payments during mod process until we were advised by BoA not to any more. But BoA still kept late payment time adding up.BoA messed up several times delaying everything. When finished mod. BoA only extended high interest rate ( 5 3/4 % ) and made loan 40 yrs instead of 2 % for 30 yrs even though our monthly set bills where over the ratio required. Then we missed the XXXX mortgage payments also with BoA and so we went through Save the Dream Ohio and BoA messed up again even with us warning them ahead of time up front not to make the mistake they did. BoA just brought it current which was of no use as we could not make payments and needed it paid off with Save the Dream funds. It took several more months to get BoA to get act together and finally with the remaining Save the Dream funds and added funds we borrowed from Family got XXXX paid off completely. We were told we could refi in 1 year on XX/XX/XXXX. Now have tried and just found out BoA messed up again. BoA placed foreclosure inforemation on our credit report such that 1st they do not have the late payment off untill XX/XX/XXXX not XX/XX/XXXX, then also because of foreclosure info ( which we did not have ) making a XXXX on some refi banking thing. We can not refi untill XX/XX/XXXX at all. BoA is killing our finances and Family. BoA executives should be taken to jail as we at a point were working with the executive offices of BoA. All this requires fixing immediately and even compensation for BoA 's hardships, pain and suffering they have caused us and I am sure many others. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed I had fraudulent accounts on my report. There was also an inquiry that I didn't authorize. Please remove these fraudulent accounts from my report because they are hindering me from obtaining credit. I don't recognize these accounts. 

XXXX XXXX XXXXXXXX XX/XX/XXXX {$1800.00} XXXX XXXX XXXX XX/XX/XXXX {$550.00} XXXXXXXX XXXX  XXXX XX/XX/XXXX {$800.00} XXXX XXXX XX/XX/XXXX {$420.00} XXXX XXXX XXXX XX/XX/XXXX {$410.00} XXXXXXXX XXXX XXXX XX/XX/XXXX {$710.00} XXXX XXXX  XX/XX/XXXX
Product: Checking or savings account

I opened the checking account on XX/XX/XXXX with the bonus offer : " XXXX, XXXX} per month for 10 months. Reward payments will cease at the earlier of reaching XXXX total or XXXX consecutive cycles from the date you opened your account. To be eligible to receive monthly bonus you must satisfy the following transaction activity requirements : have an ACH deposit to your account of {XXXX} or more during your statement cycle ; OR, complete 10 Point-of-Sale ( POS ) transactions during your statement cycle, using your XXXX XXXX XXXX XXXX linked to your account. " Until XX/XX/XXXX, the XXXX consecutive cycle ended, I had 10 cycles with equal or more than XXXX POS transactions in each cycle. So on XX/XX/XXXX 's statement, the 10th XXXX bonus should be posted. However, it was not. I online chatted and the agent confirmed that {XXXX} should be posted on the statement of XX/XX/XXXX. She said I need to contact the branch to let them manually correct the error and give me the bonus. I called XXXX and the agent confirmed again that the bonus should be posted. He submitted a case for me and promised I will get a response by Monday XX/XX/XXXX. But until today, I did not receive any response and no bonus posted in my account.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am writing to formally dispute and report fraudulent accounts and unauthorized activity appearing on my consumer credit reports with XXXX, Experian, and XXXX. These accounts were not opened or authorized by me, and I have never had any dealings or agreements with the entities listed below. 

I assert my rights under the Fair Credit Reporting Act ( FCRA ) and demand a thorough investigation and resolution of this matter. The FCRA ( 15 U.S.C. 1681 ) ensures my right to dispute and correct inaccurate information on my credit report and obligates credit reporting agencies and creditors to address fraudulent activity.

The fraudulent accounts and hard inquiries appearing on my credit reports are as follows : XXXX XXXX XXXX XXXX Account No. # # # # # # XXXX XXXX XXXX Account XXXX. # # # # # # XXXX Experian XXXX XXXX Account No. XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX Account No. XXXX XXXX XXXX Account No. XXXX XXXX XXXX Account No. XXXX XXXX XXXX XXXX Account No. XXXX XXXX XXXX Account No. XXXX XXXX XXXX XXXX XXXXXXXX Account No. XXXX XXXX XXXX Account No. XXXX XXXX XXXX Account No. XXXX XXXX XXXX [ Account Details Unavailable ] XXXX XXXX XXXX [ Account Details Unavailable ] These fraudulent accounts have also resulted in several unauthorized hard inquiries and collections accounts that are negatively impacting my creditworthiness. 

Actions Requested : Immediate Removal : I demand the removal of all fraudulent accounts, inquiries, and collections items associated with them from my credit reports.

Investigation : Conduct a full investigation into these accounts and inquiries, and notify me of the results promptly.

Prevent Further Damage : Flag my credit reports to prevent any future fraudulent activity.

Supporting Documentation : To assist with your investigation, I have attached the following : A copy of my government-issued ID. 
A recent utility bill or proof of residence. 
A copy of my credit reports highlighting the disputed accounts. 
Under the FCRA, you are required to investigate my dispute within XXXX days. Please provide written confirmation once the fraudulent items have been removed, along with an updated copy of my credit report reflecting these corrections. 

I trust that you will take this matter seriously and act promptly to resolve this issue. I can be reached at the contact information above if further documentation or clarification is needed. 

Certification : I affirm, under penalty of perjury, that the information provided in this affidavit is true and accurate to the best of my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection on my account from XXXX XXXX total amount was {$3000.00}. I logged into my case online on XXXX and was offered to settle for one discounted payment of {$2000.00} to which I accepted and made the payment. I have attached screenshots of both the offer, me submitting the payment and the payment clearing my account. XXXX updated my credit report to show that now a current balance of {$1000.00} remains and is in collections, rather than showing a {$0.00} balance & closed/settled for less than full balance or just altogether deleted from my credit report. 

I filed a dispute through experian.com on XXXX in which I provided the same screenshots provided with this complaint showing the settlement offer and my payment being made and cleared. However, today, XXXX, I just received notice that my dispute results were ready and that the information reported is accurate. However, it is NOT accurate and I provided evidence to that fact and now and am unable to dispute the debt again online.
Product: Money transfer, virtual currency, or money service

This transaction was unauthorized because the service ( PayPal ) charged the account in question when there was no justification for doing so, because the money in question had been returned to PayPal over 2 weeks prior to the event in question. In addition, PayPal engaged in various examples of anti-consumerist behavior. 

Originally, a {$3900.00} payment had been processed in error to an online vendor. Dispite immediately contacting the vendor and PayPal and telling with them ( pleading ) that not only was this an error but also there were vastly insufficient funds in the account and that it would be unsuccessful. Days after I made contact ( and after getting a positive response from the vendor ), PayPal processed the transaction and the account was overdrawn. Over the course of the next 2 weeks, I would become trapped in a nightmare of financial abuse at the hands of PayPal and my bank ( XXXX ). PayPal would go on to repeat the charges a total of 5 times, 3 of which occurred after the initial payment had been returned to them from the vendor and all of which after I had initially contacted them to stop the payment. All of the replies I got were vague copy-pasted renditions of policy, most of which did not apply in this specific situation, and never once did I get an honest reply about something being done to solve the problem. 

When the vendor did return the money, it was less the {$110.00} that the vendor charged in transaction fees, an amount they should have returned due to the nature of the cancelled transaction. The vendor claimed they are contractually allowed to keep these fees under any circumstance, which, aside from making no financial sense, was never articulated to their buyers in any reasonable way ( when they informed me of this policy, after the transaction occurred, they had to direct me to a single page, hidden on their website, that contained a poorly written paragraph intimating as much ). PayPal told me that they would not be honoring their responsibility to protect their customers and would be siding with the vendor in the dispute. 

To add the gravest insult to injury, after denying the dispute to reclaim the {$110.00} in fees, PayPal then went ahead and charged the entire {$3900.00} transaction to my bank account again ( this was the 5th time ), despite the fact that this money had already been refunded and the dispute specifically stipulated it was only in regard to the {$110.00} in fees. Either this is the grossest incompetence perpetrated by a financial institution that should disqualify PayPal from handling money ever again, or it was done on purpose as an attempt to punish their customer for standing up for themselves. Due solely to the repeated overdraft fees incurred by a single transaction continually pushed through by PayPal, I have lost {$180.00} to 5 rapid, repeated overdrafts, all while I was stuck on the side-lines, begging to be treated like a human being. This is before considering the pain and hardship caused by my account being unjustly stuck in the negative and unusable for about half the time elapsed in the past 2 weeks.
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 {$14000.00}, {$330.00}. 
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. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$330.00} -This is not my account.
Product: Debt collection

XXXX XXXX XXXX XXXX billed me for a debt I did n't owe, for a service I did n't received, so I let them to into my account and take {$96.00}. So I then canceled their contract because I do n't want to deal with them anymore. 
But Transworld Systems is still billing me for {$96.00}, and I refuse to pay them XXXX for nothing. I want Transworld to stop billing me, and I want them to clear up the damage they did and are doing to my credit report. Therefore, I need your help. I have copies of this paid non-service. This racket has gone on long enough. Please stop them/. Please punish XXXX of them.
Product: Credit reporting or other personal consumer reports

Collection account on my credit report shows open account from XX/XX/year>, I did not open an account in XXXX of XXXX and i dont know the creditor. The creditor is XXXX XXXX XXXX. phone number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a loan in XX/XX/XXXX and paid it of in XX/XX/XXXX. It was reported as so for the following months.

Recently, I took out another loan with the company in XX/XX/XXXX. Suddenly, the old account began reporting as 60 days late. I contacted them and they fixed it, however, it is now reporting 30 days late from XX/XX/XXXX and XX/XX/XXXX. This is after for the past 9 months it has reported on-time. Why would my credit report on an account that was closed 3 months ago suddenly change???

I am in the middle of a refinance and this is very detrimental. I respectfully request that this account be updated to all payments on time, as has been reported every month until now - months after the account was closed. This is erroneous information and in contradiction to what has been previously reported.

Furthermore, this is at tribal loan company that should actually not be reporting to credit bureaus in my state at all.
Product: Debt collection

XXXX account was paid and settled through the debt collections refused to remove from credit report after being paid
Product: Credit card

For the past several years - at least 3 and probably more - I am continually being asked by Capital One to update my income. I have received letters about this via the US Postal Service. I have received emails about this to the email address Capital One keeps on file for me. And immediately after logging into my Capital One account I continue to receive numerous notifications telling me to update my income information. A few years ago when this first started these income requests were infrequent - approximately once every 2 or 3 months. In the last three months, the requests have been more frequent. They now only occur immediately after I log into my Capital One account, approximately every 3rd or 4th time I log into my account. 

Due to this increased frequency, on XX/XX/2017, I called the Capital One Executive Office at XXXX. I talked to XXXX. Essentially I told him what I described above. My purpose for calling the Capital One Executive Office, and not the regular Capital One credit card phone number, was due to my desire to speak with someone who could put an end to this - to cease these continued and continual requests for the same information that Capital One already has. Towards the end of our conversation, as I pointed out to XXXX and as XXXX acknowledged, my providing this information is voluntary. And as XXXX explained to me, I have the right not to update this information. 

Unfortunately, the phone call to the Capital One Executive Office was completely ineffective. The frequency with which I am being asked for this information has continued unabated. But as of today, XX/XX/2017, Capital One added a new twist to this. Prior to XX/XX/XXXX, when I got this screen immediately after logging into my account, I had one of two options to choose. Option # 1 was to continue ( to update my income ). Option # 2 was something to the effect of " remind me later '', or " not now '', or " go to my account ''. In other words, prior to XX/XX/2017, I could choose to ignore this screen and go directly to my account. But as of XX/XX/XXXX, only one option existed - " continue ''. So what Capital One did as of XX/XX/XXXX was to force me to go to the next page to update my income. If I did not do this, Capital One provided no other way for me to bypass this and access my account. In essence, I was denied access to my credit card account information. I have attached a PDF version of the income request screen as it appeared on XX/XX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion removed 2 bankruptcies from my report but refused to remove the other two. I sent all the credit bureaus a letter from the Bankruptcy court that says they do not report to credit bureaus. I have a freeze on the other third parties ie XXXX and still Transunion have them on my consumer credit report causing me damages and injuries. I got declined for credit 7 times because of the unlawful reporting pursuant to 15 USC 1681, identity theft and violating my rights to privacy. No prior written consent was given, therefore no authority to violate me or my good name. TransUnion is acting in bad faith and must indemnify me and make me whole. Violation amount of {$10000.00} USD. If this is not removed in 72 hours, a lawsuit will be filed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a 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 item of information, other than records of convictions of crimes which antedates 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.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I opened an account with XXXX. Used the card at the local XXXX store. Never received a bill from XXXX. Received a collection letter from XXXX XXXX  who apparently runs the XXXX credit card saying I never paid the bill of approximately XXXX. The charged be twice that amount in late fees. When I inquired with XXXX as to why I never received a bill. They informed me that the e mailed the bill to my email. I never requested e billing. So as soon I I received the collection notice from XXXX XXXX  I paid the entire balance. XXXX issued a negative report to the credit bureaus that resulted in a dramatic drop in my credit score. I purchased furniture from a local retailer last year and the same thing happened. Turns out XXXX was also the credit card issuer for this store as well. Bottom line is XXXX XXXX  deceptive practice of forcing e billing on consumers without notification and their aggressive collection reporting is harming senior citizens like myself and needs to be stopped.
Product: Vehicle loan or lease

Us Bank reported on my credit report late on XX/XX/XXXX and on XX/XX/XXXX. 
i contacted USBank on XX/XX/XXXX to check those marks, and the representative : XXXX, confirmed to me that she dose see a payment on XXXX of XXXX and on XXXX of XXXX.