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

To Whom. It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying I had some identity theft on my credit card, so I want to make sure everything is correct because I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of, which made me write to you all. Also I printed out my equifax reporting and i have XXXX hard inquires i have no idea of i did not give written consent to any of these false inquires. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a ) 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), and 1681i ( a ) ( 1 ) ( C ) 1681i ( a ) ( 2 ) 1681i ( a ) ( 3 ) 1681i ( f ) ( 3 ) and 1681 Sec.604A Sec.2 ,15U.S.C. 1692 ( C )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have XXXX  days to complete this investigation. Please investigate the following accounts and remove them if anything is miss Hard in quires Equifax 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

Hello My name is XXXX XXXX reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of ( XX/XX/2023 ) Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. I have attached Documentation below.
Product: Credit reporting

I wrote to credit reporting agency this XXXX attempt to get the following XXXX items deleted from my credit report. The following collection item is entirely wrong. 

XXXX XXXX # XXXX A/C # XXXX have no contract with XXXX XXXX so I am not sure why are they placing this account in collection. I asked, If I have signed something, please send me a copy of signed contract otherwise immediately delete this collection account as it is having negative impact on my score. 

According to Fair Credit Act, they must furnish me details of how a collection account is placed on my name and with details, I required signed and executed contract. 

I previous disputed such items, and also sent them a court judgement where a Judge of XXXX County has clearly stated that I, XXXX XXXX, am not personally responsible for this account. You returned stating that this Account number is not being reported on my credit report and referenced it as Account # XXXX. However court judgement which is attached here states that Account # which is NOT XXXX XXXX 's responsibility is XXXX. 
They have stated that you have verified information from sources, however no such verification process system was explained and documents used was sent to me. 
I contacted the Creditor and no adequate response was received.
Product: Credit card

I fell ill in late XXXX XXXX XXXX XXXXXX/XX/XXXX and was out of work with no pay for XXXX weeks. I contacted XXXX Credit Card company late XXXX for financial assistance as I could not get my feet back on the ground once returning to work. I originally was told I qualified for credit protection, that I have been paying for the entire time I had this card. I did exactly what they told me to do supplied with a note from my doctor. I did not hear back for over 30 days ( the time told it may take to process ). When I reached back out I was told by a supervisor I was declined from the program as it turns out I did not meet the requirements for credit protection like they originally thought. Because I was not out of work for XXXX days or more, it was only XXXX days, they declined the protection. Keeping in mind I only signed up for credit protection as my chronic documented medical illness was supposed to be covered by their protection provided I have doctors notes of being under a doctor 's care for a significant amount of time ( as it is in all my other credit cards too, suffering from illness for XXXX years now so I am always sure to check this ). The supervisor was extremely rude saying if I was sick for longer I would qualify but I was about XXXX week short of that. He said I could do the re-age program and sent me over to sign up for that. Lovely woman got me all set up, she told me if I sign up to split my delinquent amount up into XXXX autopay monthly payments my account would be current so long as I made all XXXX payments. I have made XXXX of the XXXX ( XX/XX/XXXX and XX/XX/XXXX ) and got a notice of my account still being past due ( today XX/XX/XXXX ). I contacted the company to which I was told the re-age program does NOT bring accounts current until AFTER the payments are made, thus my credit will be hit when the XXXX days ( month XXXX ) of the program ends. I would never have signed up for this program if it was going to affect my credit, I would have worked to try to find other arrangements to make my account current. Now, we are months into trying to get assistance to no avail all while my credit is taking massive hits. The only thing I was told repeatedly today when asking how this re-age program will affect my credit and what options I have is a repeated response " we report fairly and accurately, I recommend calling in for further assistance. '' At this point, this response seems extremely sketchy that they offered me this program but will not speak to how it affects my credit. In doing some research on my own I'm seeing re-age programs are illegal? I am at a loss and don't even trust this company so looking for assistance from anyone who can tell me what is going on, what is best for me, and how this credit card has impacted my credit score.
Product: Payday loan, title loan, personal loan, or advance loan

Calling 4 or 5 times a day. Calling my corporate office and giving personal information on voicemails and people who are not me.
Product: Checking or savings account

This complaint is regarding my online baking with Citizens Bank ( Citizens Financial Group , Inc. ). I am using my online baking bill pay feature to pay a credit card bill at XXXX XXXX. The Citizens Bank bill pay feature allows you to enter an " Amount '' to pay  and a " Deliver By '' date. On Monday morning XX/XX/XXXX, I entered the " Amount '' of  {$3200.00} and the " Deliver By '' date of XX/XX/2018 and submitted the payment. After the payment is submitted I received a confirmation page indicating that the payment was scheduled for a '' Deliver By '' date of XX/XX/2018. 

The due date on the XXXX XXXX CC was XX/XX/2018. On XX/XX/2018 I noticed a late fee from XXXX XXXX in the amount of {$32.00} as well as {$51.00} in interest ( I pay the full amount every month to avoid interest ) and called XXXX XXXX. They stated that they did not receive the check from my bank as of yet. The waived the late fee and asked that I check back in a day or two as maybe it was in transition. 

On XX/XX/2018 I checked my online baking and it stated " Check # XXXX was mailed to XXXX  XXXX Credit Cards for receipt byXX/XX/2018 '' however XXXX  XXXX still did not receive the payment. I then called Citizens back and they stated that the check was sent out, possibly on the XX/XX/XXXX and that it was the US Mail who did not deliver it yet. 

My complaint is directed at Citizens deceptive wording on when the check is delivered. Using the words " Delivered, '' " Delivered By '' and stating " Check # XXXX was mailed to XXXX XXXXXXXX Credit Cards for receipt by XX/XX/2018. '' are inaccurate. Because of this I incurred interest and a possible late fee not to mention a hit to my credit history. 

Additionally when I called Citizens Bank and had to wait 26 minutes on hold for someone to speak with, they started to tell me that the word " Delivered '' and " For Receipt '' means it could have been mailed or sent electronically from the bank on that date and that XXXX XXXX would not receive it for 3-5 days however they didn't seem sure themselves.
Product: Mortgage

I am an employee of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have undergone extensive vetting and no financial irregularities were found in my background. 

The thrust of the SunTrust allegations are XXXX pages of charges that are identified by the name of " XXXX XXXX '' with no address, no social security number, and no personal identifying information. In fact, the documents do not have an account number. Furthermore, each XXXX of the XXXX pages are marked as " XXXX XXXX of XXXX '' so this is not a running list of charges. In addition, there are no vendors listed and no vendor identifying information - only amounts and dates. 

In XXXX, an author named XXXX XXXX wrote a book entitled " XXXX XXXX '' which chronicled how this kind of paper is created in order to exploit consumers. The " paper '' sells for pennies. He said that in one such " XXXX XXXX '' foreclosure, the Defendent merely asked for a " sworn statement '' from the bank attesting that the charges were made by the Defendent ; and the bank immediately dropped the foreclosure. 

It looks like Truist sold this " bad paper '' on XX/XX/XXXX for {$2400.00}. On the other hand, I have spent a small fortune on my home and it is worth {$400000.00}. This is an illegal foreclosure that must be stopped!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these items 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
Product: Payday loan, title loan, or personal loan

Recently I took out an XXXX personal loan with this company. I have tried to tell them XXXX is too much to pay each month. They don't seem to want to compromise such as a smaller payment over more time.
Product: Mortgage

This complaint against Wells Fargo has to do with their actions during the subprime mortgage lending period. The documents being sent with this complaint will show their actions two months prior to the illegal closing on the property located at XXXX XXXX XXXX XXXX XXXX WV XXXX. It shows the actual date of XX/XX/XXXX, with a 6 % interest rate. In XXXX of XXXX, we were not even a year complete, from filing XXXX  XXXX bankruptcy. Up until the memo went out XX/XX/XXXX, we ended up with a completely new mortgage specialist, and all the lower interest rates disappeared as well. The XX/XX/XXXX commitment letter the monthly payment is XXXX. Upon the actual closing the monthly mortgage payment was XXXX Ive also proven Wells Fargos company was the closing company and the title insurance company XXXX title company and XXXX XXXX were affiliates of Wells Fargo. So the internal memo from the title company to the closing company is more evidence of the conspiracy then and Wells Fargos continued denial of everything they have been found guilty of have admitted to the numerous laws broken. The SEC allowing Wells Fargo to be fined rather than prosecuted for Wells Fargos actions during the subprime mortgage lending period. The same time period we became the victims of the biggest criminal enterprise in the history of XXXX schemes bank closings. Wells Fargo has knowingly and willingly not only broke numerous laws, caused the XXXX housing market crash and devastation, the reason the CFPB was started. Supposedly to help consumers with getting compensation.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding an account reported by Navy Federal Credit Union that is appearing on my credit report. I am requesting the immediate removal of these accounts due to severe negligence in handling my account information and the lack of verification for its accuracy.

Here are the key issues that have led to this complaint : 1. **Negligence in Account Information** : I have noticed that the information associated with this account on my credit report is inaccurate and does not reflect my actual account status. Despite my efforts to resolve this directly with Navy Federal, they have failed to provide timely and accurate updates regarding the status of these accounts.

2. **Failure to Verify Account Information** : I have requested that Navy Federal verify the accuracy of the information reported to the credit bureaus, but I have not received a proper response or verification. I have attempted to contact them multiple times via phone and written communication, yet they have neglected to provide me with the required documentation or confirmation to prove the validity of these accounts. 
3. **Violation of Credit Reporting Laws** : Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate reporting, and Navy Federal has not provided sufficient proof or corrected the errors associated with these accounts. Their failure to act in a timely manner has caused undue harm to my credit score and financial well-being.

I respectfully request that the CFPB investigate this matter and assist in ensuring that Navy Federal takes immediate act
ion to remove this inaccurate account from my credit report. I have also included copies of the relevant documents, including communication with Navy Federal and my credit report showing the erroneous account.

I trust the CFPB will treat this complaint with urgency, and I look forward to your prompt assistance in resolving this matter. 

Thank you for your attention to this serious issue. Should you require any additional information or documentation, please feel free to contact me at the details listed above.
Product: Debt collection

This is my second request for payment history and the correct amount balance that is due. With the correct statement of all fees. Please send invoice for services or goods. So i can remit payment to the appropriate principle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted request to Transunion regarding removing the below inaccurate items from my credit report. To date I have not received a response. 

1. This inquiry was not authorized! 
XXXX XXXX XXXX XX/XX/2020 Please remove this fraudulent inquiry from my credit report. 

2. This inquiry was not authorized! 
XXXX XXXX XXXX XX/XX/2020 Please remove this fraudulent inquiry from my credit report. 

3. This inquiry was not authorized! 
XXXX XXXX XXXX. 
XX/XX/2020 Please remove this fraudulent inquiry from my credit report. 

4. This inquiry was not authorized! 
XXXX XXXX XXXX XXXX XX/XX/2020 ; XX/XX/2020 Please remove this fraudulent inquiry from my credit report. 

5. This inquiry was not authorized! 
XXXX XXXX XXXX XX/XX/2020 Please remove this fraudulent inquiry from my credit report. 

6. This inquiry was not authorized! 
XXXX XXXX XX/XX/2020 Please remove this fraudulent inquiry from my credit report.
Product: Debt collection

For the past 5 years, I have been sent a bill for an XXXX XXXX XXXX XXXX account that was a result of identity theif. I have filed an affidavit and a police report two times. I have recently won an award for {$250.00}. From the fairshake group about this debt. It is not my debt. I never lived at the address nor had a mobility account through XXXXXXXX XXXX XXXX that I did not pay. This is a fraudulent account.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of an account reported by Fair Collections and Out on my credit report. The account details are as follows : XXXX XXXX : Fair Collections and Out Account Number ( partial ) : XXXX Balance : {$9900.00} Date Opened : XX/XX/year> This account has been reported without my authorization or consent to disclose my personal information. Under the Fair Credit Reporting Act ( FCRA ) and other applicable privacy laws, I have the right to know how my personal information was obtained, shared, and reported. 

I hereby request the following : 1. Proof of Authorization : I demand that Fair Collections and Out provide documented proof that I authorized them to access, disclose, or report my personal information.

2. Proof of Account Ownership and Authority : I request documented evidence verifying that I have a legal obligation to this alleged account. This should include : The original signed contract or agreement that establishes my responsibility for the debt.

Documentation that authorizes Fair Collections and Out to collect and report this account in my name.

3. Proof of Compliance with FCRA ( 15 U.S.C. 1681b ) : If my personal information was accessed without permissible purpose or lawful authority, I demand its immediate removal and may pursue further action for violation of my consumer rights. 

If Fair Collections and Out is unable to provide sufficient evidence to prove my authorization and account liability, I request that TransUnion promptly delete this entry from my credit report in accordance with 15 U.S.C. 1681i ( a ) ( 5 ).

I have enclosed a copy of my credit report highlighting the disputed account for your reference. Please complete your investigation within the XXXX period required by the FCRA and XXXX a written response confirming the outcome. 

Failure to verify the legitimacy of this account or comply with federal laws XXXX result in further legal action to protect my rights.
Product: Debt collection

XXXX XXXX XXXX my son was diagnosed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was accepted into a XXXX Financial assistance program that stated any medical bills my insurance did not cover this program would! Next thing I know I am getting a collection notice from unc for a medical debt! Notice came from Bull city financial for this medical debt please help!
Product: Credit reporting or other personal consumer reports

I've discovered unauthorized or misleading items XXXX XXXX XXXX Balance - U.S. Bankruptcy Court Bankruptcy : XXXX XXXX Reference number : XXXXXXXX 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 card or prepaid card

CITIBANK REFUSES TO GIVE ME ACCESS TO MY OWN ACCOUNTS CREDIT DEBT CHECKING! THEY ALOWED THOUSANDS OF DOLLARS OF FRAUD OUT OF MY ACCOUNTS AND THEY TOOK MONIES OUT OF MY ACCT ON AN AUTO PAY WITHOUT MY AUTHORIZATION! WHEN ARE YOUGOING TO DO SOMETHING? THEY OWE ME THOUSANDS OF DOLLARS FROM FRAUDULENT CHARGES AND CHECKS THEY LET OUT OF MY ACCOUNTS THAT WERE NOT AUTHORIZED! THEY REFUSE TO PAY ME BACK! ITS MULTIPLE ACCOUNTS! DEBT, CREDIT, CHECKING ACCOUNTS, SOME ACCOUNTS ONLY XXXX XXXX AND SOME ACCOUNTS ARE JOINT WITH MY MOTHER XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : 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  Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

They have been asked not to contact me but, they call me several times a day. The phone number that they keep contacting me from is XXXX. The company 's name is Synchrony Bank. This is from a very old credit card dept. I have kept all the calls on my recent calls for proof of all the calls they have made to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

After the recession in 2008, I decided to do a loan-modification on my home because the value of my home went from approximately {$400000.00} to {$200000.00} and my home was " underwater ''. After agreeing with the new amount that I had to pay, ( which I paid in a timely fashion ) Wells Fargo reported the new payments to the credit bureau as late, which negatively impacted my credit scores. 

I was unaware that this occurred until I went to purchase a new home. At that time, I was informed that I would not be able to purchase another house, among other things, until the latenesses are removed from my credit. 

Wells Fargo did an injustice to me by reporting my agreed payments as late.
Product: Credit reporting or other personal consumer reports

I am writing to report a case of identity theft. The fraudulent accounts and hard inquiries that are still showing on my credit reports, despite my efforts to have them removed. I sent out my letter on XX/XX/XXXX, and they received it on XX/XX/XXXX. However, to this date XX/XX/XXXX, the fraudulent hard inquiries have not been removed from my credit report. 

I have also reached out to the company responsible for the fraudulent activities, they closed the accounts but that closure too is not reflecting on my credit reports yet. The fraudulent accounts on my account are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please remove the following fraudulent inquiries too from my credit report : XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have attached my FTC reports, ID, proof of address, and SS card for your reference. Please resolve this asap.
Product: Credit card or prepaid card

Chase XXXX Account # XXXX Chase sent me promotional email on XX/XX/XXXX that any purchase of over {$100.00} can be split in payments without fees and interested until XX/XX/XXXX. 
Than when I made two purchases on XX/XX/XXXX that wanted to split using this promotion offer, their reply was they can take away this promotion for any reason. Nothing changed on my account, yes they can take it away from my account for any reason but they need to inform me by phone, e-mail, regular mail that they took it away or that my account no longer eligible for that offer!!!