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

This is actually the consumer XXXX XXXX, I am submitting THIS request because I recently looked at my credit report and noticed so many inaccurate information being reported. I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. I feel the inaccurate information that is being reported in regards to my name on ( MY CONSUMER CREDIT PROFILE AND THIS IS> is adversely affecting my credit report and costing me thousands of dollars in interest every year. I am requesting an investigation into the inaccurate information on my credit report by writing a letter to Experian. The information below is inaccurate and needs to be deleted immediately. 

child support enforcement Account Info Account number XXXX Account status Closed Date opened XXXX XXXX XXXX  Account type Child Support Balance on XX/XX/XXXX Loan Amount
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$84.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$7000.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$84.00} XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$7000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$950.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$1100.00} XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I opened a checking account with Bank of America and they offered a XXXX dollar bonus for depositing {$1000.00} of " qualifying payments '' within 90 days. 

I met the requirements and recieved the XXXX dollar bonus, which was deposited into my account. 

Bank of America has recently been found to have witheld their bonuses and making false claims. Bank of America contracts provide a provision that if an account is cancled for any reason other than voluntary owner request or inactivity, all reward points get forfeited. 

Luckily, I was able to utilize the reward bonus prior to my checking account being closed ( they did this with my credit card account, too ).
Product: Mortgage

1. On XX/XX/XXXX Valon Mortage acquired my loan. When it came time to pay my property taxes they contacted the county of Utahs tax assessors office. 

2. The tax office informed them that I did not owe any taxes due to the fact that I was under a veteran tax abatement program. It wasnt until XX/XX/XXXX that I directly contacted Valon and they responded by stating that I did not owe any taxes. 

3. So between XX/XX/XXXX, and XX/XX/XXXX they failed to communicate this issue. The Lack of communication meant that I continued to pay each month the additional {$300.00} dollars towards my escrow account. 

4. With a high balance in my escrow account I decided to fire Valon from holding my escrow account. So on XX/XX/XXXX, I completed the necessary form in order to stop this action. 

5. On the XXXX of XXXX they still did process the action of reimbursement. So I spoke to XXXX, she was a customer service college from Valon. 

6. My only request was for them to expedite the process of reimbursing me. She then contacted XXXX the manager of the escrow department. XXXX reply was no. My reply to XXXX was to stop the auto-pay. She then proceeded and stopped the auto-pay. 

7. So on XXXX XXXX I contacted Valon again, and asked if the payment could be expedited? The person responded by stating that it will take an additional 14 days for processing it and sending it through a non traceable means. ( Snail-mail ). 

8. I then replied by stating that this was unacceptable and suggested that they send the check via XXXX XXXXXXXX or USPS priority air. 

9. I have not received a new reply from Valon on expediting the escrow payment. I am not going to accept their policies on standard processing times. This is my money and I deserve better.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Auto loan XXXX initiated contract date XX/XX/XXXX was paid in full as agreed in the amount of {$15000.00} on XX/XX/XXXX prior to the 72 mos contract date. Ally was initially contacted on XX/XX/XXXX and was told we had to wait until the payment cleared on XX/XX/XXXX for it to be removed from credit report. I called back on XX/XX/XXXX and was advised that i missed the XXXX reporting of XXXX but that it would be sent XXXX to all credit bureaus and not to dispute the account or balance. I called on XXXX and was told that it was sent on XXXX. I checked with all 3 credit bureaus on XXXX and was told nothing was received and that creditors send monthly reporting in electronically and it would hit their system in " real time '' and show on my report. i contacted ally again on XXXX and asked to speak with a manager after I was told I would have to wait until the end of the month for it to be reported. The manager apologized and said she could send me a paid in full letter and creditor letter via email- i received the paid in full but was unable to view the creditor letter. She also said she would send a request over to their credit reporting team to see if there was an issue and follow up with me. I called back XX/XX/XXXX after I checked with the credit bureaus and was told XXXX received the account was paid in full as agreed but XXXX and XXXX had not received notifications since XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX. I was told by Rep XXXX I needed to wait until XXXX for Ally to send notifications to those credit bureaus and that she saw the request from XXXX sent by the manager and that there was an update done XX/XX/XXXX. 
I asked to speak with a manager and was transferred to XXXX who said the she would send an updated request to the credit reporting team but that it could take up to 45 days for them to review and resolve. At this point, I have submitted disputes with the credit bureaus and included supporting documentation and was told the company is not responding. I am submitting a complaint to XXXX and CFPB as I believe the company is intentionally misrepresenting my credit account with them and are violating credit reporting guidelines indicating there is a balance owed. As indicated, I have reached out to the company numerous times and have received no resolution within the appropriate time frame and am being penalized for paying my account off early prior to accumulating high interest charges.
Product: Debt collection

Collection company refuses to provide information as to name of creditor. They only provide a database listing showing my name and an amount allegedly owed. I have recently suffered from identity theft, and have had a number of claims for services that have been provided in states where I do not live, and have never lived in or have not lived in for 10+ years.
Product: Checking or savings account

I used my Citibank check to deposit {$5000.00} into my own XXXX  XXXX XXXX account on XX/XX/2019. Later on Citibank returned the check resulting in XXXX XXXX XXXX closing my account citing suspected fraud activity, and charging me {$24.00} returned check fee. I have enough funds in my Citibank account, and Citibank told me I have not activated the account feature to use the check. I have never been told of this feature that needs activation, even when Citibank sent me the first box of check. So I think I was not fully informed of the details of this account, and Citibank should be responsible for this chaos.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my consumer credit report by XXXX, XXXX, and Experian for Account : XXXX XXXX  ( Account # XXXX ) Specifically, XXXX is reporting the account as " Pays account as agreed '' with a " 30 days past due '' delinquency. Experian is reporting " Paid account/was 30 days past due '' with a " 30-day delinquent '' status. XXXX is reporting " Paid or paying as agreed '' but does not indicate a payment status. These reports are inaccurate and need to be updated to reflect " Paid on time '' and " Paid as agreed '' for all accounts. 

These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of this account be updated to reflect " Paid on time '' or " Current, '' and the worst delinquency status be updated accordingly to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( FCRA ), particularly Section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Additionally, I request a thorough investigation into these disputed late payments as per Section 604 ( a ) ( 3 ) of the FCRA and written confirmation of the investigations completion, along with details of any actions taken to rectify this matter. Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within 30 days of the date of this letter. Thank you for your attention to this matter.
Product: Debt collection

I was a cosigner on my husband car that was almost 3 years ago I communicated with debt collectors before they removed it off my account which was with Chrysler capital also the car was given back to the people without a hassle and all of a sudden these people XXXX XXXX for XXXX which they said it was open on XXXX XXXX 2017 which is false information and have my critic messed up I am trying to get my life in order trying to get things together and I feel like these people is purposely trying to tell him tear me down it is really stressful so my life and me trying to change is a woman growing from a young lady I just want to do was write in life and I 'm constantly being not down for days that was n't me all I want is things to be done correctly and not falsely accused on my behalf could you please help me sincerely XXXX So my life and me trying to change is a woman growing from a young lady I just want to do was write in life and I 'm constantly being not down for days that was n't me all I want is things to be done correctly and not falsely accused on my behalf could you please help me sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Letters were sent certified mail and phone calls were made regarding these issues listed below without resolution : Unauthorized Inquiries : XXXX XXXX XXXX XXXX, XX/XX/2021 & XX/XX/2021 XXXX, XX/XX/2021 XXXX  XXXX, XX/XX/2021 Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Ga XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Incorrect Phone Numbers : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of Identity Theft. My information has been exposed in the XXXX data breach. The following items are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my updated personal credit report and found that unauthorized credit inquiries are still present. It seems my credit with you has been compromised. Despite sending an FTC report # XXXX, these items have not been removed. I previously contacted the companies listed below, asking them to remove these inquiries from their records and erase them from all credit reporting agencies. They assured me they would comply and resolve the issue. Each company received a certified letter stating that the inquiries were unauthorized, and I requested their removal. I ask that you immediately delete the unauthorized inquiries mentioned below. The purpose of this complaint is to remove several unauthorized hard credit inquiries from my credit report. There are still SIX ( 6 ) unauthorized inquiries listed below. I also attached here my new FTC report for your reference, with number XXXX. I am dismayed by your lack of responsibility. When will Equifax remove all the highlighted hard inquiries from my personal credit file? My requests have been ignored for months. Please stop the delay tactics and remove the following inquiries : 1. XXXX XXXX XXXXXX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX 4. XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX 5. XXXX XXXX XXXXXX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX. Per Fair Credit Reporting Act Section 605B ( a ) you are requiring to remove any items which was opened without my knowledge, consent or authority within 4 business days with ( 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. This complaint is to notify you if you do not REMOVE the listed inquiries on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. This is your FINAL WARNING. Please REMOVE the INQUIRIES resulting from a faulty credit reporting.
Product: Checking or savings account

Oh, on XX/XX/2023 I was reviewing my bank statement for my Chime checking account and noticed that there was a duplicate transfer to cash app made at XXXX XXXX on XXXX. I filed a dispute with Chime for the {$200.00} duplicate transaction. Chime denied the claim by the next morning then refused to tell me why for 10 days when they finally didnt tell me why none of the reasons for my dispute were correct they didnt investigate anything they are not handling disputes correctly they say I could file or a bottle, so I filed a rebuttal. They denied that without even giving me time to submit any additional
Product: Debt collection

XXXX XXXX XXXX is about to start garnishing my wages. I need help preventing a wage garnishment. They supposedly sent me a written notice on XX/XX/23 which I have not received. 
I don't know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon retrieving my credit report I found that Transfinancial Companies had placed an account in the amount of {$940.00} and  then said the would send validation of the account after requesting this information several times. Once I received the validation of the account it was a gross violation of my HIPAA rights. I did not sign anything in order for my personal medical records to be released to this company or any other company. With such a violation I would ask that the account be removed immediately from my credit reports.
Product: Debt collection

On XX/XX/year> a company called Elevate Recoveries LLC opened a collections against my credit. Listed under Original Creditor Name it again lists the company Elevate Recoveries LLC. I have never been contacted by or associated with Elevate Recoveries LLC nor do I owe any money that would be sent to a collection agency. I have never received notice in any way that I owe this debt and have never heard of the company listed. Upon searching the company, it appears as though many others have come across this issue and also say they have no association and no reason why this would come up on a credit report. The amount owed states {$1200.00}. This is a false claim and I will dispute it until I can prove this is untrue and is taken off of the credit report. I have also made a report with the XXXX
Product: Payday loan, title loan, or personal loan

Company sent an email stating account was delinquent. No loan was given, merchant reports Affirm declined purchase. 

I contacted Affirm, told that it was being taken care of. Complaint submitted as requested through Affirm website. Supporting evidence attached as requested. 

Debt dispute sent to Affirm via certified mail. No response. Account reporting on credit report as past due.
Product: Checking or savings account

I already filed a complaint, # XXXX, Bank of America denies to accept my claim because they say they have documents that show that I used the atm card or authorized someone to use the card to make a charge of XXXX dollars. 
I have requested them, over 7 times, to send me those documents but they never send them to me and I keep receiving letters telling me the same thing over and over again, now they want me to send them the bank statements where it shows I didn't authorize the charge, I know, doesn't make any sense, this is going in since the first week of XXXX. 
Bank of America does not accept this is an unauthorized charge to my checking account, what else can I do?
Product: Credit card

I request that the fees and interest charges accumulated in the amounts of {$190.00} and {$280.00} accumulated during XX/XX/XXXX-XX/XX/XXXX in regard to my accounts ending in XXXX and XXXX be reimbursed to me. During that time period, XXXX XXXX erroneously charged my cards and would not cancel my membership as agreed. After several months of disputing the legitimacy of the charges, the company finally admitted wrongdoings and attempted to reverse the charges through Discover. However, XXXX XXXX informed me that Discover would not accept the reversal. So they sent me a check for the charges. By that time the above-stated fees and interest had accumulated. Discover refused to take the charges off my accounts and closed my accounts. They stated that the reason for closing the account was that I did not give them updated income verification within their timeline. I do not recall receiving any correspondence requesting that information. When asked why they didn't call me, I was given a made-up phone number. I have paid the fees and interest charges so that it would not further damage my credit. However, again, I want reimbursement of payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two credit inquiries on my credit report that I did not do from Credit plus on the XXXX and XXXX of XX/XX/2022. I did not authorize and of the inquiries and have no idea. Kindly assist.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to dispute for the XXXX time the following information that appears on my Transunion credit report as of XX/XX/XXXX ( XXXX dispute XX/XX/XXXX ) ( XXXX dispute XX/XX/XXXX ) : Tradeline # XXXX XXXX XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and has a balance of {$9800.00} with XXXX late payment delinquencies for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
I previously disputed this account with XXXX  XXXX directly online on XX/XX/XXXX with supporting documents regarding the late payment delinquencies reported during the year of XXXX.On XX/XX/XXXX, XXXX  XXXX submitted a response back in writing after their investigation indicating the following : There are no delinquencies reporting for the month ( s ) of ( XXXX XX/XX/XXXX ). Overall, XXXX XXXX failed and/or neglected to investigate the primary credit reporting concerns, which is a violation of the FCRA. However, consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. Please send me proof of your previous investigations and proof of the negative payment status for this account or delete the negative information in this account. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. 
Also, since Transunion is limited to accepting uploaded files in a certain format, I have submitted the audio recording of my conversation with the furnisher/creditor XXXX  XXXX to the CEO XXXX XXXX via email, which supports my dispute and request for the late delinquencies for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to be removed.