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

Dear Consumer Financial Protection Bureau, I am writing to express my deep concerns and frustration regarding the recent investigation I conducted on my credit report. The findings of this investigation have not only caused me severe emotional distress but have also uncovered several unverifiable, invalidated, inaccurate, and questionable items. I believe it is essential for your agency to ensure that all information reported on my credit report is 100 % accurate, in accordance with the Fair Credit Reporting Act. 

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), it is clear that credit reporting agencies are obligated to maintain the utmost accuracy when reporting consumer information. Unfortunately, these accounts that I have identified are in clear violation of these statutory requirements as they are not reporting information that is 100 % accurate.

I would like to bring to your attention that the credit reporting agencies have acknowledged these discrepancies in my credit report. However, their response and action taken thus far have been insufficient, and these inaccuracies continue to affect my financial well-being.

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and ensure that the necessary corrective actions are taken promptly. It is of utmost importance that my credit report accurately reflects my financial history, as these inaccuracies have significant implications for my financial future.

Thank you for your prompt attention to this matter. I look forward to a timely resolution of this issue and appreciate your dedication to upholding the integrity of credit reporting in accordance with federal law.
Product: Debt collection

I do not have knowledge of this debt that is attempting to be collected. In violation of FRCA and XXXX laws.
Product: Credit reporting or other personal consumer reports

XXXX ; EQUIFAX AND XXXX have me listed as NAMES that are NOT my name. AND they have ALL different addresses that are not my current address. 

I recently sent all 3 of these companies a COPY of my current State of New Jersey Drivers license with my Full Legal Name and Current Address for them to update their records and they have not. 

Also I do not have ANY alias or Also known as Names, these ALL should be DELETED IMMEDIATELY with these addresses that do not belong to me.
Product: Debt collection

I am a victim of identity theft in which my social security number along with other identifying information has been utilized in order to apply for and/or secure accounts with various financial institutions. 

In XX/XX/2021, I received an alert notifying me that an account was added to my XXXX credit file with a past due payment history. I immediately contacted the company, NetCredit, on XX/XX/2021 in which I was advised to submit a police report. On that same date, I submitted my police report along with my FTC Identity Theft report. On XX/XX/2021, I received a response indicating that they completed their investigation and confirmed it was not fraud, therefore, taking no further action to remove the account. 

Prior to this instance, there was also a credit inquiry placed on my XXXX credit file from NetCredit. After contacting XXXX and the XXXX XXXX XXXX advising that the inquiry was fraudulently done, the inquiry was since removed. 

I do not understand how NetCredit refuses to acknowledge the documentation submitted and remove the account in once instance, but agrees that the actually application/inquiry was fraudulent and removed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute to Equifax for the last past few months involving identity theft and they refuse to block the fraudulent information. I have sent a copy of an identity theft report along with a police report and the status of the account has not changed. XXXX and XXXX has acted and removed the information already.
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 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX 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: Mortgage

I have had a horrible experience with my mortgage from BB & T from the start. However, this latest issue has really frustrated me. My intention from the start has been to pay {$1600.00} towards my loan, XXXX a month. My monthly payment is around {$2700.00} and the remainder is to be used to reduce the principle. The reason why I am paying XXXX a month is to reduce the interest that accrues on my loan. After contacting the bank today, I learned that they do not apply my {$1600.00} payment to the balance of my loan until the full monthly payment is received. The money sits in a " suspense account ''. Therefore, I do not pay less interest at all. However, BB & T has my cash that they can use to invest and earn profits for themselves!!! Their customer service told me that their system is not set up to support bi-monthly payments. 
However, on top of all of that, BB & T sold my personal information to multiple organizations. Since closing I have received multiple letters in the mail from different companies offering to help me pay my mortgage and suggesting that I consider making bi-monthly payments because it will reduce my overall lifetime mortgage cost. It is just wrong that BB & T does not offer bi-monthly payments to their customers but will sell your information to other companies offering to do just that! 

This is just a fraction of my issues with BB & T. In addition, they lost my original loan paperwork with all of my personal information on it. To date I have received no follow-up on that issues, so as far as I know it 's still lost. And, I had a horrible experience with my mortgage loan officer who was incompetent and incredibly rude. I would refinance in a heartbeat if it were n't so costly!
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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 and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please 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 and pursue legal action. 

XXXX Account Number : XXXXXXXX XXXX XXXX Account XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX  Account Number : XXXX ; XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date of XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date of XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Mortgage

In XX/XX/XXXX XXXX updated my authorized Scheduled Recurring Payment Method for my Mortagage through PNC Bank and there is no way to unauthorize old payment payments from previous loan providers through their online portal. They said I signed a form but that never happened as my loan was sold to PNC from my previous Mortgage provider years ago. They are now charging me a {$30.00} non-sufficient funds fee because they did the XXXX separate payments for the normal Mortgage payment amount from XXXX separate checking accounts ( old account and new account ) without me knowing what would happen after updating my account online in XX/XX/XXXX. This is despite paying on time and in full for my required obligations. I didn't receive a letter notifying me of the issue until XX/XX/XXXX and called them as soon as I received this notice as I didn't receive any electronic or phone notice for the {$30.00} non-sufficient funds fee. On XX/XX/XXXX They told me I had to call them to update it which I had no idea about and that was not disclosed anywhere on their website when I updated my mortgage payment account. I have paid on time and in full the entire time since PNC assumed my mortgage from another provider and it seems unfair to me as a financially savvy person to have to pay this {$30.00} fee despite my efforts to do everything correctly!
Product: Credit card or prepaid card

I made a purchase on XXXX on XX/XX/21 for {$280.00}. Because of covid I had to cancel and I was in a dispute with the host. XXXX and the host refused to refund that amount so I filed a credit card dispute, During the initial stages XXXX agreed to refund {$46.00}. These created some confusion because there ended up being 2 credits and 1 debit on my account for {$46.00} because I called to reduce the total dispute by {$46.00} because they voluntarily refunded that. After dozens of back and forth with both companies XXXX decided to refund that dispute on XX/XX/XXXX, This coincides with the time of Citi stating in my disputes that they resolved the case in my favor and were going to grant the payment of {$280.00}. But, with the reduction of {$46.00} it should have been {$230.00}. But instead of that they refunded two credits of {$20.00} and {$26.00}, if you do that math it is {$46.00}. This means, between the two {$46.00} credits I received {$93.00} back, which is number not related to anything with the dispute. So, with that said, Citi owes me {$280.00} - {$46.00} - {$46.00} = {$180.00} still. I have called Citi several times to inquire on this but all they do is say that they will send an audit to the team that made that error. Please send me {$180.00} via check or credit to my card.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my report and found several items on there to be inaccurate. Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general is after anu reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the Consumer reporting agency shall- ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

I sent a letter on XXXXXX/XX/year> asking them to re-investigate these accounts listed below. 

Inquiries - ( XXXX  ) Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

Inquiries - ( XXXX  ) Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

Inquiries ( XXXX XXXX XXXX  ) Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

Inquiries ( XXXX XXXX XXXX ) Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. Can you please look into this matter.
Product: Checking or savings account

I called to close my account with TD Bank on XX/XX/2021. Im going to be charged fees for not having funds in the account. I transferred the funds so I can close the account. 

They will not close my account and I dont want to be charged fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent account listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2015.
Product: Debt collection

Date unknown- not listed. Amount {$2000.00}. Showing as a charge off. XXXX was never provided to me
Product: Debt collection

I am disputing a collection account from UNITED REVENUE, which is reporting a debt related to XXXX XXXX XXXX The account details are as follows : - Account Name : UNITED REVENUE - Account Number : XXXX - Original Creditor : XXXX XXXXXXXX XXXX - Balance : {$1400.00} - Status : Collection account On multiple occasions, I have requested validation of this debt as required by 15 USC 1692g. However, I have not received adequate validation, and the debt collector continues to report this debt on my credit report. Additionally, there have been instances of harassment during the collection process, which violates 15 USC 1692d. 

Despite my disputes, XXXX has verified the information as accurate without providing the method of verification. This lack of transparency and failure to validate the debt appropriately is causing undue harm to my credit standing.
Product: Credit reporting or other personal consumer reports

I was a victim of the Equifax data breach. And I would like to have the negative information deleted. I'm reaching out to you to help me get this information deleted because Equifax is doing nothing.
Product: Credit reporting or other personal consumer reports

I was told by TransUnion that everything was verified when i know for a fact that the accounts that were disputed were not accurately reporting or in completeness and according to the FCRA the credit agencies and the furnishers are suppose to report the information accurately and in completeness. XXXX XXXX AND XXXX XXXX XX/XX/XXXXI don't recognize and XX/XX/XXXXl XXXX is reporting the payments and balances are reporting different on each credit agency.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I realized my address and phone number were incorrect on my XXXX fXXXX anuto loan account after a payment was made. I have absolutely no association with that address or phone number. I contacted them to correct the information and where this information was obtained it was not on my initial loan application and had not changed since then. 

This loan as initiated on XX/XX/XXXX, and the original loan application ( which I still have a copy of ) is all correct information, and auto debit was set up without issue 10 days after the loan was signed for. 

On XX/XX/XXXX, I received a notice on my credit report of a late payment from the payment that was returned by my bank and filed a dispute with the credit bureau and the lender. I have received no information, calls, emails, or written correspondence from them and have not received any resolution to the late payment/info dispute. 

Since then, the bank has been contacting my family by name, who have no association with the loan or any of my personal information and I have not given consent for them to be contacted on my behalf, as many as XXXX times per day requesting that they contact me or make the payment on my behalf ( which they have no legal basis to do, ask, or acknowledge my loan ). 

This includes a total of XXXX calls to a 3rd party regarding my loan on XXXX Sunday ( XX/XX/XXXX ). The times he was contacted was XXXX PT, XXXX PT, XXXX PT, and XXXX PT. Not only does the initial call they regularly make go against FDCPA regulations, theyve now started to contact and provide personal information and attempt to collect payment from them on a Holiday. Screen shots from the 3rd partys device have been added below to substantiate the time of these calls.

Lastly, the lender has made no attempt, despite my actionable contact and correcting the information on their online portal, to correct the information on my actual credit file, including the address, late payments, and cease contacting 3rd parties on behalf of my loan.
Product: Debt collection

Midland Credit Management XXXX XXXX {$1900.00} XX/XX/XXXX By not replying in a timely manner to my initial letter on XX/XX/XXXX, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company
Product: Credit reporting or other personal consumer reports

This account was listed as a insurance claim on XX/XX/2020. All the information that is being reported to the credit bureaus is inaccurate. XXXX XXXX XXXX XXXX hasn't sent none of the information to me that they keep reporting to you in the feedback. They did not provide the original XXXX nor did they send me a offer letter. I can't access this account on their website because they locked the account years ago. They have been sending the corresponding letters to the online portal and not the address I have on file. So, therefore I never received letters from them via postal mail. 

15 U.S. Code 1679c I have the right to dispute inaccurate information on my credit report. 
Since XXXX XXXX XXXX XXXX has reported inaccurate information on my credit profile that is not verified or accurate it has to be removed. The reporting of this account is wrong and all the dates are wrong. Also, they didn't ask for my permission to report this account to the credit bureaus. I want this account removed immediately. 15 usc 1681s-2 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.

15 USC 1692g they did not provide the correct validation of this debt if the debt was paid off by the insurance company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the wrong name on my credit report and old previous addresses that don't belong to me as I never lived there
Product: Credit card or prepaid card

I have pleaded to capital one to remove the most recent XXXX missed payment reports on my credit. I am currently going through financial hardship waiting for unemployment which has yet to approve. I recently paid off the card and has been making sure it stays in the positive. I have been a good customer.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. 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 MONTHS REPORTING LATE 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 XXXX days before the payment due date.

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

I have requested proof that this information was mailed or delivered XXXX  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 card or prepaid card

Chase Bank is running a 3rd quarter bonus promo for Freedom card where you get times 5 points for shopping at Department Stores. 

1. I went on Chase website and clicked on Shop Through Chase to shop at XXXX XXXX. 
2. XXXX XXXX it clearly listed on my Shop Through Chase transactions. 
3. XXXX XXXX is also clearly listed in the Department stores list for this quarter eligible for 5 points provided by Chase. 
4. Chase tells me " I see the charge you are referring to reflects as " XXXX XXXX ''. Further, it is listed under the category of " XXXX XXXXNot elsewhere classified ''. Hence, your charge does not qualify for the same. '' 5. I have no control of how visa assigns categories, but Chase has clearly listed XXXX XXXX in the eligible Department stores list. 
Chase is clearly manipulating customers to use XXXX XXXX is the Department store eligible for bonus points but at the end refusing to award the points. Thanks