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

Unfamiliar late payments I know nothing about. I have one XXXX XXXX on which I pay the minimum balance for, and a XXXX  checking account.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 

Below are the accounts I am requesting to be reinvestigated : 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: Debt collection

An account through Allied Account Services was taken out in my name XXXXXX/XX/year> the original creditor is XXXX XXXX XXXXXXXX XXXX. The loan type is " collection agency. '' I did not take out this loan or make this account. This account was either made fraudulently or is fraudulent. I only came to know of the account when checking my credit score through XXXX XXXX. I have froze my credit and made a dispute with XXXX XXXX. 

More information about this fraudulent charge : their address : XXXX XXXX XXXX XXXX XXXX, XXXX, New York XXXX Phone Number : XXXX I found this information on the XXXX website, I never had any knowledge of this company prior. This is fraud.
Product: Student loan

On XX/XX/2019 I submitted all the correct forms and documents for my Income Driven Payment Plan including my tax return and pay subs which were all up to date and printed clearly. At XXXX this morning, I received a statement that the documents were not properly sent, the information was illegible and that I would have to file again. But when I called today at around XXXX XXXX, a service representative said that this time I could just write down my gross income on a blank piece of paper, in my own handwriting, send that in and it would be accepted ... They're going to take my word and a signature on a piece of paper to officially verify my information as an official document for my payment plan. When I asked if I could send it in the mail officially, the service representative seemed hesitant to let me do that. They are purposely prolonging the period so that I will have to pay the full amount. They are almost completely impossible to get a hold of. Whenever I send in documents like my name change and official documentation for that, they either claim that they didn't receive it, or it was ineligible. They have still not updated my name change, even though I have submitted that in early XXXX. 

I am tired of submitting the same documents, which are faxed clearly and are marked as received from my fax machine, only for them to say that they are processing my return two weeks later, and then replying that my loans have been denied for the same information two weeks after that.
Product: Credit reporting or other personal consumer reports

None of my credit accounts on my credit report match. The credit bureaus stated all of my information on my credit report is accurate and verified. How is that possible when the balance owed, payment status open date, date last active is incorrect, and date last reported are not accurate on all of my accounts. I attach my credit report below. THIS IS GROUND FOR REMOVAL. THEY ALSO VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 604 A SECTION 2. 15 USC 1681 SECTION 602 A states I have a right to privacy! The law states clearly a consumer reporting agency can't furnish an account without my written instruction. I haven't given my permission for them to furnish my accounts.

These need to be corrected by next week or me and my husband will pursue an attorney for damages this has caused my credit.

He is already threatening to pursue an attorney based on this same issue and I will do it too if this if not corrected in 7 days.

This was supposed to be corrected months ago!
Product: Prepaid card

Disputing a transaction and the length of time to get refunded
Product: Mortgage

On XX/XX/XXXX I initiated the refinance process with Wells Fargo which is the holder of my current mortgage. 

The pricing would save me just shy of {$500.00} a month so I opted to go with Wells Fargo over a broker believing I would close in a relative timely manner. 

On XX/XX/XXXX I indicated my intent to proceed based on the estimates received from Wells Fargo. 

In that agreement I paid {$550.00} in up front costs on XX/XX/XXXX. 

My appraisal was completed by XX/XX/XXXX and Wells Fargo had it in hand. 

I had to pay my old XXXX mortgage rate so that was almost {$500.00} I did not save. 

My initial closing date was set as XX/XX/XXXX which meant I would need to make an additional old mortgage payment so another {$500.00} I would not save. 

My closing was pushed because they said they hadn't heard from the title company. Closing was pushed XX/XX/XXXX. 

By XX/XX/XXXX I had heard NOTHING from Wells Fargo when I reached out they said they hadn't heard then later said that the titlle company didn't show a record of the request and they would have to " re-submit '' though I suspect the request was never made and they can not provide proof that it was. 

At this point my closing was pushed to XX/XX/XXXX which would mean another month of not realizing the savings I was supposed to see. 
To that date my loss was : {$550.00} in up front costs {$1000.00} ( roughly ) in unrealized savings On XX/XX/XXXX I was informed that Wells Fargo had received the paperwork on my title and needed only to complete verification of employment. They said they began that on XX/XX/XXXX. As of XX/XX/XXXX no one from Wells Fargo has contacted my employer and I am in daily contact with my employer XXXX the entire HR department ) that they have not received a request. 

I have contacted XXXX XXXX and XXXX XXXX on a regular basis and no progress has been made. 

At this point I have a closing date of XX/XX/XXXX but I don't believe that will happen either which will mean I will be paying XXXX mortgage at the old rate which equates to : {$550.00} in up front costs {$1500.00} XXXX roughly ) in unrealized savings TOTAL ROUGH COST TO ME : {$2500.00} Meanwhile I have confirmed with others that chose a different broker that they closed within three weeks and another friend who has been in the same limbo with Wells Fargo. 

My contacts at Wells Fargo are : XXXX XXXX XXXX ID XXXX Tel XXXX Ext. XXXX XXXX XXXX XXXX Mortgage Processor ( SAFE ) NMLSR ID XXXX XXXX XXXX extension XXXX
Product: Debt collection

XX/XX/XXXX Letter claiming to be.from XXXX XXXX  was fake Logo and invalid Address for XXXX XXXX on notice XXXX XXXX did not sell my debt to LVNV Funding. Resurgence Acquistions LLC Contact info is not given and XXXX XXXX XXXX and XXXX XXXX are both using alternate address and names when reporting debit and on XX/XX/XXXX and XX/XX/XXXX accessed my credit report XXXX XXXX and gave data to XXXX XXXX which they used to unlawfully do employment background check to locate my employer and determine assets and income sources The proof of debt used is a statement that was not original or copy of valid statement it was a forgery. The proof of service Document filed under Case XXXX in XXXX XXXX XXXX XXXX was not served the usps status states label created but never brought to postal agency for mailing. A debt collector XXXX used this fake notice and other incorrect documents and assigment of debt has incorrect file name and different file given in court proof of debt with false info to acquire a default judgement without serving me and that collector failed to provide proof he was an attorney for LVNV funding and used another XXXX party business XXXX XXXX to unlawfully do an employment background check to locate my actual employer garmish my wages. Which has remained uncollectable because my earnings are below poverty limits and I receive public aasiatance for health insurance and food stamps. 

XXXX XXXX used invalid documents in XXXX XXXX XXXX XXXX and also filed XXXX against my primary residence They and XXXX XXXX XXXX have falsely been reporting to XXXX, XXXX and XXXX an inflated balance amount every month without any validation as to the calculation used or proof they own the debt instead I have multiple letters that state different entities and various addresses used for each business named above that debt should be paid to that is not the entity that filed with the courts and is not the business named by CitiCard that my debt was sold to.
Product: Credit card or prepaid card

I have a new account with Fortiva and the first payment was due XX/XX/2023, they have reported the account 30 days late on XX/XX/2023!! I called and spoke with a supervisor over there on Friday XX/XX/XXXX. Her name is XXXX, she advised me the account was not reported late. I advised her that I have proof from XXXX and XXXX that account has been reported late.. I would like for them to resolve this issue and correct error reported to credit bureaus!!!!! This is hurting my credit file and was done in error!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to advised one of my creditor was paid in full as of XX/XX/XXXX XXXX which I open XX/XX/XXXX. The balance showed on my experian acct as XXXX I then get a result stated it came back as accurate 2days after I submitted the dispute which they didn't even verifiy with the creidtor so I called XX/XX/XXXX and spoke to a rep who 3 way the call with me and the creditor who confirm the account has been paid off in full the experian rep stated he will process the account as closed/never late paid in full well I gor the result back XX/XX/XXXX and he submitted the update for the wrong account an account for XXXX   that I had already paid in full last year prior to opening another loan I need this to be resolve Experian is no help anytime I try to update correct issue this is the 3rd complaint I had to report because of thier incompetent
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act, 15 USC 1681 section 602 A states that I have a right to privacy, 15 USC 1681 section 602 A section 2 It also states a consumer can not furnish a account written instruction.
Product: Checking or savings account

I would have insufficient funds knowing there was a money deposited into the atm into the account. A lot of times it would say it posted my child support checks but the money never seemed available or seemed low in my account knowing I hadnt spent any of it. And being charged over draft fees an atms fees never seeing the money again.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in 60 days to be removed.

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

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


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unknown company checking credit known as XXXX , XXXX. 

On XX/XX/XXXX, I received a XXXX XXXX  letter which provided notification of application denial of credit which was conducted by XXXX XXXX XXXX XXXX dealership in XXXX Tennessee. In addition, XXXX XXXX  representative advised that XXXX is scheduled to Experian. The letter specified that they have four credit bureaus which they derived information to XXXX XXXX. These are the following credit bureaus which they have either received information from or request credit information from XXXX , XXXX, XXXX XXXX XXXX XXXX, and XXXX  XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX. In early XX/XX/2018, upon telephone contact XXXX XXXX denied any knowledge of XXXX , XXXX and referred all questions to XXXX XXXX dealership. In early XX/XX/2018 upon initial telephone contact, the representative XXXX customer service advised that XXXX was not used and they have no knowledge of the company known as sagestream. However, they confirmed this information was listed on there denial letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous disputes to each credit bureau as well as XXXX XXXX XXXX XXXX regarding a credit card balance. On XX/XX/2023, I sent another dispute with identity theft affidavit and proof to Equifax and each of the other credit bureaus via certified mail return receipt as well as XXXX. Equifax received the affidavit and letter and proof on XX/XX/2023 XXXX signed by an employee at collection at the post office. Per FTC requirements, upon receipt of the FTC identity theft affidavit, a creditor is required by law to block the identity theft related account from the credit report permanently. I called and spoke with a representative on XX/XX/2023 regarding the FTC Identity Theft affidavit and their violation of FCRA 605B by refusing to block the account. The representative reviewed the letters and information and indicated that they will not block the account at this time, regardless of the requirement by FCRA to have blocked the account by XX/XX/2023 per the 4-day rule. At this time, the agent hung up on me. Call recorded and recording linked on uploaded document. XXXX received the FTC affidavit and information on XX/XX/2023 and the account is required to be blocked within 4 business days, which is XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey on XXXX/XXXX/2021 I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 30 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30-45 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 30 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache and stress you have given me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX and I submitted this claim myself and no third party involved. I XXXX XXXX XXXX XXXX, Natural Person and creditor. I submitted A FTC identity theft report to remove this fraudulent account XXXX. They received the FTC and told me it will be off on 24-72hrs. But I checked my credit report. Seven 30 days later and it is still on my report. According the Fair Credit Reporting Act 15 U.S.C 1681 Section 602. A block was suppose to happen within 4 business days after the date of receipt.
Product: Checking or savings account

I was recently in a car accident the other driver didnt have insurance she decided to write out a check for XXXX BMO put a hold on my account due to the check I tried reaching out to the other driver no response Im not able to open no type of checking account
Product: Checking or savings account

I opened a new Citibank XXXX XXXX and Checking Accounts back on XX/XX/2023, and successfully deposited {$5000.00} on XX/XX/2023, from my local XXXX XXXX XXXX XXXX Account. Then additional deposits with a total Accelerate Savings balance of {$15000.00}, by the end of XX/XX/2023. On XX/XX/2023, I received an email from Citibank that my account will be closed within 60 days. The email simply states : Based on a recent review of your account, we found that you have violated the terms per the client manual. There were no specifics given in the email as to what terms exactly I violated. I have contacted Citibank multiple times this week since receiving this email, and Citi Representatives quoted the same statement in the email without adequate explanation why the account is closed. When I asked them how to get the remaining funds back, they said I will be receiving a letter in the mail with a detailed statement and a check of the remaining balance, which is around {$15000.00}. The Citibank agents I talked to either find excuses to disconnect me or tried to transfer me somewhere else where nobody understands what I was talking about and then transferred me again. It's been a real nightmare dealing with Citibank Customer Service. They have been extremely rude and nasty. As a consumer, I've diligently pursued all avenues to rectify this situation but ended up being put into a hopeless position as where I am now. It's ridiculous and beyond frustration. My accounts are totally blocked and I can not even log onto my accounts to view my balances. That's why I have decided to file this complaint. Thank you for your assistance in this very important matter. Sincerely, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX my XXXX  loans were forgiven. 

XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I file a Dispute with Experian. I informed them that my XXXX  loans were forgiven and to update my XXXX  loan status & balance. I made sure to include loan documents for each dispute. Each time Experian denied my dispute claiming that the information was correct. I did contact XXXX  ( loan service provider ) in XX/XX/year> to confirm if they were able to directly contact Experian and they expressed that they could not.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( XXXX Credit Card ) I have three existing XXXX  XXXX Credit Cards but unfortunately, for just about 2 weeks now, my XXXX credit card has been giving me tons of headaches.. 

XXXX XXXX claimed that they only report once every cycle or month to credit bureaus, infact they did. For my latest statement balance, I only owed {$110.00} which was reported to the credit bureaus reflected as part of my credit report. But just last week, XXXX XXXX has started to GIVE INACCURATE information to XXXX and Transunion. They have forwarded my RUNNING balance which has affected my score. I made a dispute directly to the credit bureaus and Transunion has rectified the initial report, but XXXX XXXX still gave them an inaccurate information for the second time. My current running balance is at {$480.00} and at anytime, it will change. 

My GREATEST ISSUES : 1. Why XXXX XXXX is reporting my running balance even if they have already reported my statement balance.
Product: Credit reporting or other personal consumer reports

I have been receiving multiples calls from this agency about me owing XXXX XXXX.An account can not be furnished without my instructions and it has been annoying I constantly get calls and no one is trying to help. I have no idea about this account. It was opened fraudulently.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I submitted a dispute to transunion about three accounts on my credit report which was in accurate. XXXX, XXXX XXXX personal loan and XXXX XXXX 
I asked to verify that XXXX and XXXX XXXX are not my accounts and provide me with documentation. Transunion has not verified the accounts nor sent me the results.
Product: Debt collection

The company Capital One has reported inaccuracies to the consumer report file. Account has been reported as a charge off, past due account. The debt security provides a bond and coupons for previous months all that show proof of the XXXXXXXX XXXX  within the company and would highlight that all dividend payments received from the coupons via the electronic funds transfer act are due to the XXXX. 

It is of truth the borrower has funded the entire transaction when the borrower signed the promissory note. The bank/Capital One has no legal claim to a loan since Capital One did not bring an equity to the transaction. It is of truth that the borrower has a superior claim in equity since the bank/Capital One has not taken a loss according to generally accepted accounting principles. Proof of such loss would in fact be required to be reported to the IRS for accurate book-entry reporting. As that is a federally implication of fraudulent activity if not reported accurately. Securities Exchange Commission advises that all false and fraudulent activities pertaining to securities are reported for the protection of the investors and there securities and shares within a company. 

I am requesting all errors and inaccuracies being reported to the consumer report file be removed and correct reporting is reported. All payments owed to I the investor from the dividend payments that capital one received from the XXXX XXXX  via the electronic funds transfer act be disbursed to I the XXXX. 

Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 there was a few hard pulls made without my authorization. I believe this to be the car dealership. I never authorized the following inquiry pulls XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 2x all on the date I mentioned earlier XX/XX/2019. There is also another inaccurate date and pull of XXXX  on XX/XX/2019. I have called transunion, XXXX, XXXX   in the past and they never updated this as they said they would. I never signed anything or gave anyone authorization to run my credit without my knowledge on all the above items.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting 2 accounts to my credit report that i do not recognize, i have tried to as them to verify/validate. this debt 4 times and i have yet to receive a signed contract for either account. XXXX has deleted thhem both as thhey are not able to verify/validate this account ... experian delteed one ... XXXX has not deleted. any ... .are. they not supposed to follow suite by law? i need this deleted immediately as they are in violation