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

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXXXXXX XXXX XXXXXXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are currently credit inquiries listed on my report that were not authorized by me : XXXX, XXXX XXXX XXXX, XXXX ( Equifax ) XXXX XXXX XXXXXXXX XXXX, XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) Equifax Mortgage Ser XXXX XXXX, XXXX ( all three bureaus ) XXXX XXXX  XX/XX/XXXX ( all three bureaus ) I did not authorize or benefit from these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

After calling Transunion on XXXX XXXX and speaking to a U.S. Rep in regards to the following inquires XXXX  XXXX XXXX -- -- Inquiry fromXX/XX/XXXX XXXX XXXX XXXX -- -- Inquiry fromXX/XX/XXXX XXXX XXXX -- -- - Inquiry from XX/XX/XXXX XXXX XXXX  XXXX -- -- -Inquiry from XX/XX/XXXX XXXX -- -- Inquiry from XX/XX/XXXX XXXX XXXX -- -- -- -- Inquiry fromXX/XX/XXXX XXXX XXXX XXXX -- -Inquiry from XX/XX/XXXX XXXX -- -- Inquiry from XXXX XXXX XXXX XXXX -- -- Inquiry from XX/XX/XXXXXXXX XXXX XXXX XXXX -Inquiry from XX/XX/XXXX I inform the woman that I did n't authorize these inquiries and she stated they will be deleted.I checked this morning and I still have those inquiries on my credit report. These inquiries are really having a negative impact on my credit as I 've been trying to clean this up for months. It take a few minutes for someone to key in my information but this company take me through XXXX to remove something that they easily allowed to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Date Opened : XX/XX/18 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Dear Sir/Maam I am writing to formally request the deletion of my credit account information from your records, in accordance with permissible purposes as outlined in relevant privacy regulations. 

XXXX XXXX XXXX bank Permissible Purpose Justification : I am invoking my right to request the removal of my credit account information based on permissible purposes, as provided for in [ relevant privacy regulation or law, e.g., Fair Credit Reporting Act ( FCRA ) ]. The grounds for this request are [ briefly describe the specific permissible purpose, such as the closure of the account, completion of the credit reporting purpose, or other relevant justification ]. 

Please find attached any necessary identification or documentation to facilitate the efficient processing of this request. I anticipate that the deletion of my credit account information will be completed within the XXXX business days specified by the applicable regulations. 

I appreciate your prompt attention to this matter and trust that the removal of my credit account information will be conducted in accordance with the relevant privacy laws. 

Thank you, so much for your time.
Product: Debt collection

I HAVE AN ACCOUNT THAT IS FRAUDULENT WITH YOUR COMPANY THAT NEEDS TO BE RESOLVED IT IS REPORTING ALLTHOUGH IT WAS CREATED AS A RESULT OF MY IDENTITY BEING STOLEN THIS ACCOUNT IS NOT RECOGNIZED.
Product: Credit card

I called and advised the bank account they were using had issues and asked for other methods of payment as they continue to be advised just a banking account. After calling and complaining then they finally advised my account number to use and that I would not receive a card. So, the information would not allow me to log in because I was never provided the account number needed to log in. I have never dealt with such bad communication. This company takes no accountability for the horrible customer service provided. Call after no with no help has now cause bad information on my credit report. I've asked time after time to has this issue to escalate to upper management with a supervisor pretty much calling to point every finger to me. After all m complaining finally I was told what the issue with no help to resolve what could have been resolved. After a review and research this company has done this to many consumers and have been able to get away with this for a long time.
Product: Debt collection

On XXXX XXXX, XXXX I order a copy of my credit report. Report number XXXX, on that report I found RGS Financial XXXX XXXX XXXX. For {$200.00}, Date opened XXXX XXXX, First reported XXXX XXXX, Partial account number # XXXX. 
I did not receive notice of right to dispute.This is being report on XXXX, report number # XXXX
Product: Debt collection

Summary : In XXXX of XXXX I became aware that XXXX XXXX had placed a debt on my credit report ( all 3 agencies ) for a debt collection from XXXX XXXX in XXXX, NY. I disputed this collection in XXXX of XXXX. I also filed a policy report with XXXX XXXX and their phone number is ( XXXX ) XXXX. I also filed with CFPB. This debt was found not to be mine and was removed from my credit report. 

In XXXX of XXXX, I noticed a 'new ' collection for the same debt through a different debt collector via a notification from XXXX. The collection was from EOS CCA  XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX. I had received no written or verbal communication from them. I have contacted the 'collector ' and explained the circumstances and have sent written letter and same documentation as provided in XX/XX/XXXX to XXXX XXXX 

It would appear as though this same debt/collection was 'resold ' to a new debt collector even though XXXX XXXX and XXXX XXXX knew this was fraud/identity theft. I am requesting this immediately be removed from my credit. The only place this debit is currently reported is to XXXX and it was disputed as fraud in XXXX of XXXX. 

Contacts : XXXX- Collection agency placing XXXX XXXX debt credit file, disputed and removed. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX - Noticed this collection on XXXX credit report and disputed it. 
EOS CCA XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions. I have asked for the information to be deleted and not just and investigation with these accounts. Still violating my rights and must be removed. They continue to not even read this complaint, its not investigation, its violation of my rights.
Product: Vehicle loan or lease

This company is charging lates fees and accessing them in the total balance due but not adding the amont applied to fees. They are continuelous adding to the late fess but never taking off payments. Instead, they are applying what they call " Extra amounts '' to the principal balance which is crazy. 

With each late payment the fee is 5 % of the total due which is anywhere from {$8.00} to {$12.00} that show on my account. When a payment is made, they are NOT covering the fees and instead adding to the balance and amount due, thus making you pay more in the end each month. 

I was behind one month on my payment but the late fees show {$240.00} which is not 5 %. 

They have basically never added any payment where they have listed late fees to the actual fee. I have attached a chat transcipt between one of their employees and myself where they could not tell me why the amounts paid are not covering whats listed on the bill in full. Also attached screenshots from the website that show late fees added and which months and where I have made payments where they were not covered which is why the late fee balance is so high. 

Magiclly i could not access my statements online but I have requested those from then as well. You can see from the chat transcript.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting inquiries on my credit report that I did not authorize. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I have requested TransUnion to remove these inquiries on two separate occasions. I am requesting your assistance in having this incorrect information from my credit report as it is impacting my credit score. 

Thank you
Product: Mortgage

The title company say I have a mortgage on that I paid off. I have put a few payment receipts in a zip file I attached via the upload.
Product: Money transfer, virtual currency, or money service

I have tried initiate a consumer international wire transfer in branch with the bankers for XXXX  days in a row, show my paperwork, do their verifications multiple time, was assured with multiple agents from remote security team that everything is good and my XXXX transfer would go through and this is an urgent XXXX transfer. It has got cancelled the next day multiple times, even the in branch personnels have no idea why and how to help, they have tried escalated multiple time to no avail, the end result always was a canceled XXXX transfer with no clear reason.
Product: Mortgage

I received an Escrow Account History correspondence dated XXXX/XXXX/XXXX with an itemized accounting for my XXXX escrow payments with US Bank Mortgage account # XXXX. The escrow correspondence has incorrect accounting on it and when I called US Bank Mortgage, today XXXX/XXXX/XXXX at about XXXX PST to XXXX, the phone rep ( XXXX? ) told me the itemized accounting on this escrow correspondence is not correct. On the escrow correspondence it says XXXX/XXXX/XXXX had {$0.00} actual payments to escrow. However, I made the full payment in XXXX XXXX which included money that was supposed to be deposited to escrow. The phone rep had no explanation for why this letter is wrong. He instead told me he would send me a detailed payment history for XXXX which " shows '' I did in fact pay XXXX, and he also said that the detailed payment history will say that the bank did put the money into escrow. I told the rep that I need an updated/corrected annual Escrow Account History correspondence with the accurate records for all of XXXX, which matches the detailed payment history he described -to show, in fact, US Bank did apply the escrow money correctly. The rep said he can not resend me the yearly Escrow Account History with the correction, nor could the rep send me something in writing acknowledging their error and clearly reflecting the correct accounting record. WHAT I NEED : Essentially, I want proof that US Bank applied the correct " actual '' escrow for all of my monthly payments in XXXX ; basically a corrected version of the Escrow Account History correspondence for XXXX. DOCUMENTS : I am attaching a picture of the itemized lines from the Escrow Account History correspondence which shows the " Actual '' " Payments to Escrow '' was {$0.00} for XXXX/XXXX/XXXX. Also, attaching the monthly statements for my mortgage for XXXX and XXXX XXXX, to show that I made the payments and that their payment records reflect indeed an " actual '' payment to escrow should have taken place.
Product: Credit reporting or other personal consumer reports

Experian please be advised that I sent a dispute letter to you challenging incorrect information on my credit report on XX/XX/2024. It is my understanding of the law that you are required to complete your investigation within thirty days. I will attach my dispute letter that is dated, and time stamped. I do believe your company is in violation of the FCRA for false and inaccurate reporting of the following accounts : XXXX Account Number : XXXX Remove this account due to misleading and false reporting. This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. XXXX Account Number : XXXX Remove this account from my credit report due to it being over XXXX XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX I never had an account with this collection agency and this account does not list the name of an original creditor. This debt was never validated. XXXX XXXX XXXX XXXX  Account Number : XXXX This is not my account, and the creditor could not verify this information. XXXX has since removed this account. My information was compromised in the XXXX data breach. XXXX Account XXXX : XXXX You are reporting inaccurate information such as disparities in the High credit limit last reported and date last active. This is a violation of the FCRA.
Product: Mortgage

Im the Fiduciary for my deceased fathers Estate. I attempted to get the payoff for the home. When I called XXXX and requested the payoff amount for the mortgage. They then referred me to the law firm ( XXXX XXXX XXXX XXXX ) handling the foreclosure. I requested from them in writing the payoff amount of the loan along with the amount needed to reinstate the mortgage. The law firm requested fiduciary documents. I provided those documents and they notified me theyd contact XXXX regarding my request. XXXX came back with documentation stating that I must provide some type of contract before they can provide the payoff amount for the mortgage. This is a violation of Reg 1026.36 ( C ) ( 3 ). Their refusal to provide the payoff amount prevents me from fulfilling my court appointed duty as Fiduciary, and from trying to save the home from foreclosure. This should be more transparent. The mortgage company/lender should be able to provide the amount needed to payoff the house mortgaged by them. A contract from some other third party has nothing to do with them being able to provide a payoff.
Product: Debt collection

I have no idea who or what this {$180.00} is for. Not mine
Product: Bank account or service

a certificate of deposit which I have left to automatically renew for over ten years recently went dormant. The only way I found out what happened was to ask the XXXX bank and trust why I did not receive the monthly statement. I think they should have notified me first. I understand there can be legal complications which arise from dormancy. Do n't think this should be allowed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all have been deleted from my credit report. Transunion is still reporting inaccurate historical information to my consumers report check whit XXXX all vendor has Been deleted please update
Product: Credit reporting

Experian shows charge off as status every month for XXXX months. Should only report as charge-off for XXXX month.
Product: Credit card or prepaid card

I financed XXXX product and was directed to TD Retail Card Services. I applied and got credit for my purchaseI was directed to set up XXXX portal to make payments etc. Payments are due on the XXXX if each month. If payment is late you incur a late fee. Their terminology is misleading because it states up to a certain amount. Its very confusing the wording in the contract and it wasnt until much searching I found TD retail card XXXX  is associated with TD bank, Im a XXXX  on a fixed income and my SSA payments arent deposited until second week of each month. This was very difficult to budget for as TD card services is not flexible in adjusting the due date. I explained situation to several CS reps who handle the myonlineaccount.net that they have set up, Ive had to incur multiple {$40.00} late fees because company is unreasonable and will not work with consumers. This is becoming a hardship because with outrageously high late fee its difficult to pay down balance. This company is unyielding and greedy and taking advantage of people struggling to pay bills. This company is not willing to work with consumers, theyre simply lining their own pockets with greedy practices. XXXX and other large companies use TD Bank. Buyer Beware
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES AND MADE A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$23000.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting and inaccurate balance to transunion and the the bureau refuses to validate the correct information. There are 5 accounts with the same account number yet they are saying I owe them which I paid them off. I requested a detailed account history which has yet to be provided. Any incorrect information should be validated or removed! 

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity.
Product: Payday loan, title loan, or personal loan

On XX/XX/2018, I contacted cashnet via chat to get a quote on my payoff for my loan. I already had a scheduled payment to be taken out my bank account on XX/XX/2018. When I contacted the company in XX/XX/XXXX, I was quoted for the days XX/XX/XXXX-XX/XX/2018. I was quoted {$310.00} for XX/XX/XXXX, {$310.00} for XX/XX/XXXX, and {$150.00} for XX/XX/XXXX after my scheduled bank draft of {$160.00} making it equal to {$310.00}. I was told that I until Midnight of XX/XX/XXXX to make any of these payments for payoff by online or calling in. I decided to pay it off on Friday since a payment was coming out anyway. We are all human by working and dealing with life issues so I called on XX/XX/2018 at XXXX to make the payment of {$150.00}. I was put on hold and was on hold for over 2 hours. I stayed on hold because the payment needed to put in before midnight. While on hold I went on the website so I can make an online payment. To my surprise that wasn't an option. Also I see that the phone lines close at XXXX. So, I was on hold while no one was there!!! Why didn't the hold message say this or let me know it was closing soon. This is unfair practice and unacceptable. The phone lines should let customers know that the phones will be closing soon. There should also be an online payment option since this an online loan. I contacted the company by email with photos of my hold time. They responded by giving me a higher quote because a new day has passed. This is unfair because I called before the deadline and was put on hold and stayed on hold while no humans were there. And, I didn't see an option to pay online.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/202XXXX XXXX  withdrew {$120.00} from my checking account they continue to withdraw $ XXXX  monthly they're supposed to be fixing my credit, but have not done so yet! This was supposed to be a rent with the option to buy plans as long as I agreed to work with XXXX  to repair my credit, it's been 6 months they received {$150.00} each month plus I still have not received a home to live in while they continue to take my money. I constantly call, and leave emails and never get any return calls I feel this is a fraud and I am getting ripped off they're supposed to help me get into a home and all they're doing is taking my money!!!
Product: Debt collection

Portfolio Recovery Associates deliberately changed the date of first delinquency on a consumer account from XX/XX/XXXX to XX/XX/XXXX in order to park a debt on my credit report in the amount of {$1600.00}. The credit reporting deadline expired XX/XX/XXXX, therefore XXXX XXXX and XXXX deleted the account in early XX/XX/XXXX. 

On XX/XX/XXXX, Portfolio Recovery added the same debt for {$1600.00} back to my XXXX  credit report by falsifying the Date of First Delinquency. I asked XXXX to investigate, but XXXX  closed the investigation without revealing their method of investigation and only updated my report to read Consumer disputes after resolution. Portfolio Recovery Associates in collusion with XXXX violated the Fair Debt Collections Act and the Fair Credit Reporting Act by falsifying my credit history and knowingly re-aging this account with the intent to cause further damage to my credit and make the delinquency appear more recent than it is. 

Due to their fraudulent act, the account deletion date has been illegally moved from XX/XX/XXXX to XX/XX/XXXX.
Product: Debt collection

Payment was made through insurance and company has been informed multiple times but still applying debt not owed to credit report.