23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I am forwarding this correspondence to request an independent investigation regarding the latest investigation I requested regarding my account with XXXX XXXX. There were numerous inaccuracies reported. 

First, the TransUnion reports that I had paid late consecutively from XX/XX/XXXX until XX/XX/XXXX. This is false. As this vehicle is a lease, paying late those many times would 've caused XXXX XXXX to repossess the vehicle. This did not happen. Furthermore, the payments reports for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as being late are also incorrect. The original payment date at the time of the origination of the lease was changed to a later date in the month during the course of the lease. 
Likewise, after this investigation was completed on XXXX/XXXX/XXXX, I watched my score plummet nearly XXXX points after the request of the investigation. It is unclear how this investigation would cause my score to change. Also, inaccurately reported is the status of this account. This account is NOT CLOSED. The lease is open and active, per the XXXX XXXX online site. The lease is not due for completion until XXXX/XXXX/XXXX. 
Subsequently, I have enclosed the payment history for this file as well as the status of the file from XXXX XXXX indicating that the file is STILL OPEN and CURRENT. I request that all inaccuracies be deleted from my credit report and history and that my score be restored the XXXX points that were decreased as a result of this investigation. An investigation into the accuracy of information on your report should not be penalized in the way my report and score has. My current standing with XXXX XXXX on this account is paid/open and in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter to Macys for acct XXXX asking them to send me proof of signed agreement and/ or payment histroy. 

I received a letter in the mail from them stating that they information they reported was correct. They verified the information to the bureau but did not send me what I asked for to verify it to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an address update which is XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past year I started paying more attention to my credit report. I found a few things that I didn't recognize and also found out that I was a victim of the XXXX breach. I have a fraudulent XXXX XXXX account on my report that is showing " charged off ''. Initially I contacted XXXX XXXX directly and received very little help. I then received some bad advice from a repair agency that said since the balance was only {$71.00}, it would be easier to just pay it and it would be deleted faster. Needless to say, they were wrong. I then went through the process of filing identity theft. XXXX immediately investigated and deleted the account, TransUnion has not. This fraudulent account is drastically affecting my score and finances. I've done everything to try to fix it. Please help me make this right.
Product: Credit reporting or other personal consumer reports

The presence of this account has caused me significant distress, even affecting my XXXX XXXX XXXX I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid Contract Callers the debt that I owed them of XXXX and that status should be paid in full. They reported the same debt XXXX  on my XXXX  report and only closed XXXX of them. I have an open collections for XXXX that needs to be completely deleted as they only closed XXXX of them as paid in full. So it looks like I had XXXX collections rather than the XXXX that was valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to XXXX and Equifax to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., 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 XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, the below credit inquires on my credit report were not authorized by myself. I have communicated with the companies personally and have all stated that there is no record of an inquiry in their system. I am asking that Experian honor my word that the below are fraudulent inquires and remove them as requested through their dispute services on several occasions and the credit agency have not responded correctly. 

Inquires that are fraudulent : XXXX/XXXX : XX/XX/2018 XXXX XXXX Auto Finance : XX/XX/2018 XXXX XXXX XXXX : XX/XX/2018 XXXX XXXX : XX/XX/2018 Thank You for your support.
Product: Mortgage

My loan is through cross country mortgage. Im in a forbarrence I have signed an agreement and made 3 payments. Everytime I called to make payment they debt my bank the correct amount except the final payment they set up the payment for {$30.00} under. Evertime I called I was on hold for hours and now they are saying this violated agreement and I won't be able to restructure my loan and will have to pay past due in full..this issues was caused by them not setting payment up correctly. I called and they even took 4 payment in a row and was about to make a 5 payment when finally said the agreement was broken. I've tried talking to them multiple times and they don't want to resolve the issue..now they said the are mailing new agreement paperwork over to start the process again. 
I would never though a company would take the wrong payment on purpose and then blame me for there mistake. I'm XXXX XXXX  XXXX and have short term memory problems and they are saying this is my fault. Every month I call and say I want to set up payment that's due. I can't seem to get any help
Product: Mortgage

About a month ago, I stated receiving letters from Shellpoint ( a division of Newrez ). The letters stated I needed to provide them proof of my flood and hazard insurance through the condo Homeowners Association. They stated if I fail to provide proof of these insurances, they would be forced to buy coverage on my behalf. I have tried for two consecutive weeks to get Shellpoint this information. I have called two different representatives and had them talk me through the process. Before hanging up, both representatives stated everything looks good and that all requirements have been satisfied. Yet, I keep receiving letters saying I need proof of insurance. The last person I spoke with was on XX/XX/XXXX. That individual has an email address of XXXX This lady assured me I had sent her all necessary documentation and that I would not be billed for additional insurance provided by Shellpoint. However, the letters keep coming as if these conversations never occurred. I should not be double billed for homeowners insurance because of Shellpoints ' incompetence. Please help me resolve this issue with Shellpoint so that I am not double billed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ORIGINALLY DISPUTED THIS ITEM WITH EXPERIAN XX/XX/XXXX FOR XXXX XXXX XXXX XXXX IN THE AMOUNT {$19000.00} STATING THAT THIS WAS A FRAUDULENT ACCOUNT. I INCLUDED A COPY OF MY IDENTITY THEFT REPORT THAT WAS FILED WITH THE FEDERAL TRADE COMMISSION LISTING THE ABOVE MENTION ACCOUNT, DRIVERS LICENSE, AND SOCIAL SECURITY CARD. EXPERIAN DID REMOVED THIS ACCOUNT FROM MY CREDIT REPORT XX/XX/XXXX. IN XX/XX/XXXX THIS ACCOUNT REAPPEARED BACK ON MY CREDIT. I DISPUTED THE ACCOUNT AGAIN XX/XX/XXXX FOR EXPERIAN TO RESPOND WITH THE ITEM REMAINS ON MY CREDIT. PER SECTIONS 605B, 615 ( f ) AND 623 ( a ) ( 6 ) OF THE FCRA THIS ACCOUNT SHOULD HAVE BEEN DELETED AND BLOCKED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. DPT ED/XXXX XXXX {$4800.00} XXXX XXXX XXXX  XXXX {$4000.00} XXXX XXXX {$380.00} XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX {$84.00} XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX {$68000.00} XXXX XXXX XXXX {$2000.00}
Product: Credit card or prepaid card

See attatched XX/XX/XXXX STATEMENT. XXXX SENT XX/XX/XXXX {$200.00} & {$280.00} TO COVER MERCHANTS NOT DELIVERED ITEMS. ( XX/XX/XXXX BOTH THESE ARE NEW CHARGES. ) ** XX/XX/XXXX TOTAL CREDITS APPLIED THIS PERIOD ARE {$910.00} ALL CREDITS ARE PERMANET FROM MERCHANTS. USAA REVERSES MERCHANTS CREDITS NEVER PROVIDING PERMANET USAA CREDITS APPLIED TO BALANCE AND USAA STEALS THE MERCHANTS CREDITS CLAIMING THEY ARE USAA CREDITS. USAA FABROCATES FRAUD PLACING TEMPORARY CREDITS TO BEGIN AN INVESTIGATION XX/XX/XXXXXX/XX/XXXX ** AFTER MERCHANT PAYS XX/XX/XXXX {$200.00} & {$280.00} MERCHANT CREDITS STOLEN AFTER MERCHANTS PAID FOR UNEARNED INCOME TO STEAL MERCHANTS CREDITS AS THEIR OWN. SEE TRUTH ON STATEMENT XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander consumer usa has reported a miss payment on my payment activity for the month of XXXX claiming that I did not make any payment for the month of XXXX and the past due amount is {$250.00} and I disagree with that. Ive made that payment I even paid more than that, {$250.00} to be exact ( $ XXXX {$28.00} ). I have uploaded the receipts. I have used XXXX a company authorized by Santander to receive payments on its behalf. The Santander website wasnt working and I wasnt able to make online payment. I have called customer service and they have advised me to go to a moneygram or XXXX XXXX location to make the payment. They can retrieve that phone conversation since the call was recorded. I did exactly what she told me to do and I even called back to give the reference number that was given to me by XXXX. It is not my fault if your website wasnt working. Nevertheless, I went to a XXXX  location in XXXX to make my XXXX payment. I did not miss a payment in XXXX. I have had that car loan for 6 years now and I have worked hard every single day to not miss a single payment so, do not mess with my credit!! That car loan is almost paid off I only have 1 ( one ) more payment to pay off that loan. Do not mess with my credit!! 
You reported to the credit bureau that my overall balance is {$920.00} which is not true because on your own website as of today XXXX XXXX it shows a different overall balance amount of {$330.00}. The XXXX payment with XXXX has finally been updated. Update my credit report, I did not miss a payment in XXXX.
Product: Checking or savings account

I called Bank of America because so many unknown charges and every time I put money in my account I would have to immediately transfer it or Bank of America would just charge me and take money from my account with no explanation and every time I called and they just said it was my fault it was my fault and so today I had {$25.00} in my account which I transferred out into my XXXX not even an hour later I check my Boa account and its {$30.00} in the negative?? Mind you I purchased nothing at any point in time all I did was a transfer for several hours I couldnt get a hold of anybody and when I did I was explain that these charges keep happening and I received about XXXX minutes of silence on my phone and was told word for word I didnt even know how to do any of this and XXXX seconds later I was hung up on, aside from the fact Im already beyond frustrated that just XXXX  me in the chest Im not asking much but to be respected and listened to and at least know that the people Im calling for help know how to do there job I still havent gotten a hold my money is being taken till this day and nobody is helping me and I have no idea how to get in contact with Bank of America
Product: Credit reporting, credit repair services, or other personal consumer reports

Was not using XXXX XXXX at this time because the state of nj had revoked my driver 's license and I canceled policy. Don't know why it was turned over to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX XXXX XXXX XXXX : {$420.00} Account Date : XX/XX/2022 Please remove all names other than " XXXX XXXX XXXX '' and remove all previous addresses. 

15U.S.C 1681 section 602 A. states I have the right to privacy.

15U.S.C 1681 section 604A. section : 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 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. 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any other consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I obtained my full credit reports from the credit agencies XXXX, XXXX and Experian and noticed that my reports were incorrect or were missing some information about my credit card charge account XXXX available credit limit. My XXXX XXXX Account has reached out to all credit report agencies and have stated they sent in information but have not been given the correct and proper assistance with reporting the accurate information for my credit card account. 
All credit reports for my XXXX account should be showing a balance of {$16000.00} as the credit limit of 1 year and 4 months of credit age. XXXX has notified me that the credit report agencies are not cooperating with their company on reporting accurate information they have sent out and reached out to the three credit report agencies. 
I have attached the proof of emails from XXXX about this matter as well as proof of the credit limit and information for this credit account. 

This account called XXXX account number XXXX current credit limit is {$16000.00} total and needs to be updated on all credit report agencies also the payment history should show one year and 4 months of positive payment history. 

The following incorrect information being reported currently as followed : Experian is not reporting any information currently for this account at all after confirming with XXXX that the information I have listed above is on my credit report when it is not. XXXX are currently reporting a credit limit of {$0.00} with only one month on time payment even though the account is two years old this information is incorrect. Experian has also stated they have been having problems with their data issue with reporting files but has yet to get back in contact or give an update to me or XXXX account. XXXX is lastly reporting a credit limit of {$12000.00} when the credit limit is {$16000.00} and credit age is 1 year and 4 months. 
This account called XXXX account number XXXX current credit limit is {$16000.00} total and needs to be updated on all credit report agencies also the payment history should show one year and 4 months of positive payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple complaints identifying identity theft on my report well over 4 business days ago. Because my rights have been violated I am demanding that the accounts that I have identified as being the result of identity theft be blocked or removed from my credit report no later than four business days after the receipt of such information that I have sent over in accordance with 15 USC 1681 c-2.

See multiple previous submissions through CFPB portal showing accounts identified as identity theft.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
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, credit repair services, or other personal consumer reports

THIS COMPANY HAS BEEN CAUGHT PUTTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT BEFORE! AND HERE THEY GO AGAIN! THEY DID NOT EVEN SEND ME A LETTER OR NOTICE FOR THIS SO CALLED ACCOUNT THAT I AM UNAWARE OF! THIS ACCOUNT JUST POPS UP ON MY CREDIT REPORT! THAT IS A VIOLATION! 15 USC 1681 ( N ) ( B ) ALSO I AM DEMANDING FOR THE WRITTEN CONSENT/ CONTRACT WITH MY SIGNATURE SAYING THAT I GAVE THEM THE RIGHT TO ACCESS MY MEDICAL RECORDS AS WELL AS PERMISSION TO REPORT ANYTHING TO MY CREDIT REPORT! BECAUSE WHERE DID THIS ACCOUNT COME FROM???!!! I AM CONFIDENT THAT WAKEFIELD & ASSOCIATES IS A PREDATORY COMPANY WHO HAS MULTIPLE VIOLATIONS FOR FRAUDULENT REPORTING!!! THIS IS UNACCEPTABLE!!! SOMETHING NEEDS TO BE DONE ABOUT THIS COMPANY!!!
Product: Payday loan, title loan, or personal loan

American First Financial was to put me into a holding of the loan or repayment plan, because I started to experience lack of work due to covid-19 early on. Instead they closed off loan and today refused to give me a chance to settle debt. the representative would not even discuss account with me. I told him no collections agency was assign WHY can't I settle it. They added close to {$700.00} in fees I believe. I can't even get a fair print out for account activity. He told me to pay off a large balance somewhere between XXXX ( reported on my credit report ) to XXXX ( by  representative ) I believe. I made my payment regularly until this happen. My whole loan was paid except a small portion.
Product: Credit reporting, credit repair services, 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. 
XXXX  Account # XXXX, has violated my rights. 

LIST ALL ACCOUNTS HERE : XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX - XXXX * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file.

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 an 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, credit repair services, or other personal consumer reports

It appears that my file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXXL XXXX Balance : {$110.00} XXXXL XXXX Balance : {$140.00} XXXX XXXX Balance : {$180.00} XXXX XXXX Balance : {$66.00} XXXXXXXX  XXXX Balance : {$50.00} XXXX XXXX Balance : {$50.00} XXXX XXXX Balance : {$50.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.