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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Civil Liability Allegation under Section 60.810 Negligence of Noncompliance I am writing to formally dispute the civil liability claim brought against me under Section 60.810, alleging negligence of noncompliance. I respectfully request a thorough review of this matter, as I believe the claim is either unfounded, lacks sufficient evidence, or does not accurately reflect the circumstances surrounding the situation.

Attached to this letter, I have included supporting documentation that corroborates my position and demonstrates compliance with the relevant obligations.

Request for Resolution : In light of the information provided, I kindly request that you reevaluate the claim and consider dismissing it. If further clarification or documentation is needed, I am happy to provide additional information or attend a meeting to discuss the matter. 

I trust that you will review this matter fairly and impartially. Please confirm receipt of this letter and provide an estimated timeline for resolving this dispute. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. My XXXX XXXX XXXX account ending in XXXX was having unauthorized funds withdrawn from it via online access. Upon discovering that my account was compromised XXXX transferred my balance of XXXX into a new account which ends in XXXX and restored my funds. The old account was suspended but not terminated, this allows for the automatic bill pays to still be made from this account. Long story short my above account for XXXX XXXX XXXX XXXX was paid but later reverse due to the account being frozen, fallout from the identity theft ( paperwork included ). I was not aware of this payment reversal and the next month payment was taken to cover this reverse payment. This happened for a couple of months. I was making the payments thinking they was on time when I was paying the last months note. This finally resulted in a XXXX late payment. I was alerted by XXXX XXXX  that I was 30 days late on my payment. I called XXXX XXXX XXXX XXXX and they explained that I had a reverse payment and they took the following payment to cover that payment. I quickly made a double payment to rectify this account. Keep in mind the amount of funds in my account. I opened this account in XXXX of 2021 and have had a perfect payment history up until this point. 
I am requesting that this late payment be removed due to the fallout from the online identity theft. The Identity Theft Report FTC Report Number XXXX and proof of my identity is enclosed with this request. I have also enclosed a copy of my old bank statement from XXXX where the account was suspended, and funds transferred to account ending XXXX. Bottom line if my automatic payments had not been uninterrupted by the criminal act of someone compromising my account the payments for this account would have continually been made in a timely fashion. 

Pursuant to section 605B of the Fair Credit Reporting Act, which requires you to block the information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter and await your reply. If you have any questions, please do not hesitate to contact me for more documentation or information at ( XXXX ). 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian & XXXX  are both reporting this erroneous account for XXXX XXXX -XXXX - I am unaware of this and I have never got a notice regarding this debt. 
I have tried to contact XXXX and it just goes to a recording and hangs up so I can not reach them. This is not valid and needs to be removed
Product: Mortgage

I have a VA home mortgage loan with Flagstar Bank since XX/XX/XXXX I received a letter dated XX/XX/XXXX stating that my loan was transferred to XXXX XXXX XXXX Bank and this was my 15 day notice, the letter was delivered by the USPS, first class on XX/XX/XXXX. When I called Flagstar Bank to ask why it was being transferred, the customer service representative " it is just banking, how it is done '' she then said because the loan was being transferred I would have a sixty day " grace '' period to make the XXXX payment to XXXX bank. Asked about the letter being delivered with only 8 days left in the customer notice, she said " the XXXX took 7 days to go from XXXX to XXXX ''. I disagreed with that statement and said " the customer is supposed to get 15 days notice '', if it takes 7 days to deliver it is not 15 days. 
I investigated XXXX bank and called their customer service number, the " 60 day grace period '' is false, only 15 days. The bank is also a " debt collection agency '' with an abusive track record. The bank, from the reviews that I have read, is only interested in forcing the customer in foreclosure by any means, losing paperwork, rewriting the rules, increasing penalties and not having a customer service representative stay with your case. 
I feel that this transfer is a poor choice and that I will be spending money on a lawyer and answering harassing phone calls. 
XXXX this is not how I want to spend my remaining years fighting with a profit driven bank. 
I have included the transfer letter and several pages of customer reviews of XXXX bank practices. 
Thank you.
Product: Debt collection

a collection agency called National Credit Adjusters put a collection account on my credit from a payday loan. I never had an account with XXXX XXXX. I contacted this agency and informed them that it is not my account and requested validation via Certified mail. They won't send me anything and they continue to report this mistake on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The Experian credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below. As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

YOUR COMPLAINT I am writing to formally dispute a collection account that has appeared on my credit report. This account, which I believe to be inaccurate, is causing significant harm to my credit score and overall financial well-being. I have requested information regarding this account multiple times, yet I have not received any details about its origin or the specific debt it pertains to. I do not owe any money to the Treasury Department, and I find it troubling that this account has been reported XXXX separate times without any accompanying documentation or explanation. Furthermore, I would like to note that XXXX has removed this account from my credit report because they could not find any reason for its presence. This reinforces my belief that the account is erroneous and should not be affecting my credit standing. The lack of information has left me confused and concerned, as I have not been notified by any collection agency regarding this supposed debt. As I am currently unemployed and relying on government assistance while seeking employment, the presence of this collection account is particularly detrimental to my situation. I kindly request that this collection account be investigated and removed from my credit report ASAP, as it appears to be reported in error. I believe that a thorough review will reveal that I do not owe this debt, and it should not be affecting my credit standing. My credit score on XXXX and TransUnion has dropped by over 100 points which is causing me mental health issues and caused me tremendous financial harm
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, my ex-husband and I applied for a XXXX XXXX credit card account, which had a {XXXX} credit limit. On XX/XX/XXXX, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX granted our divorce. However, we did not include the XXXX XXXX account in our divorce due to an oversight, therefore, the account was never closed at the time of divorce. In XX/XX/XXXX, I tried logging in to make a payment on the XXXX XXXX  account as I normally would do. On this particular date, I was unable to log into my account. The error stated that the account was locked due to the account being closed. I immediately called XXXX XXXX ( Comenity Bank ) to inquire about why the account was closed. They informed me that the account had been included in my ex-husband 's XXXX  XXXX bankruptcy case, therefore, the account was written off and closed. I asked if there was a way that I'd be able to keep the account open and continue making the payments, so it wouldn't affect my credit and was told that there was nothing I could do to reopen the account but that I could call back to make sure it wasn't reported negatively on my credit report. In XX/XX/XXXX, I called XXXX XXXX  after noticing that my credit score had been impacted due to them reporting that the account was closed because of a bankruptcy filing. They agreed to change the reporting to simply show the account as closed. Which was reflected as such until recently. On or about XX/XX/XXXX, I noticed that my XXXXredit score dropped again due to a remark being added to the Comenity Bank/XXXX XXXX  account again. Shortly thereafter, I received a letter from Key Jewelers dated XX/XX/XXXX stating that they had received my letter dated XX/XX/XXXX, and that they had updated the reporting to the credit agencies. However, I never sent them a letter requesting such change, and they had already agreed to have it reported simply as closed due to my ex-husband having filed the bankruptcy not myself. Currently, the status of the account states that the " credit grantor can not locate consumer '' as of XX/XX/XXXX. However, I called them on XX/XX/XXXX and the representative, XXXX, stated that this was likely an incorrect reporting and that I should report it to the credit agencies as well as write them a letter. This account continues to impact credit decisions, when it shouldn't. I was not involved in including this in my ex-husband 's bankruptcy and have explained to XXXX XXXX and Comenity Bank that I'm more than happy to continue making payments on this in order to not have it continue affecting my credit but they've agreed to make the change so it doesn't negatively impact my credit.
Product: Credit card

My XXXX balance due ( as of XXXX close ) was ~ {$21000.00}. XXXX was due XX/XX/XXXX. 

I have autopay set up. 

I made XXXX {$5000.00} payments on XX/XX/XXXX, from XXXX different bank accounts. I received a pop-up message on the app indicating that these payments would reduce my autopayment by the amount of these payments. This should have resulted in an autopayment of ~ {$11000.00}. 

The following week I attempted to use my credit card only to learn that transactions had been blocked. When I called, I was informed that it's because the autopayment of $ XXXX had not cleared. When I explained that I had made XXXX payments totaling $ XXXX prior to the due date, so the autopayment should not be in the amount of $ XXXX but $ XXXX. 

I was transferred to a specialist who confirmed the $ XXXX payment from XXXX, my credit union, had cleared. I then had to call back to connect with a second XXXX to confirm the second payment of {$5.00} cleared my XXXX account. This second citibank XXXX called XXXX with me on the line and confirmed that this second payment had indeed cleared. 

I was assured that I would have access to my credit balance on the XXXX. This didn't happen. When I logged online this morning, I noticed that my account had been involuntarily closed, and the erroneous $ XXXX payment was returned. 

So now I am facing NSF fees at my bank for this payment that was made automatically, by citibank in the wrong amount by {$10000.00}.
Product: Money transfer, virtual currency, or money service

I received a cheque of apps. XXXX USD and I was asked to pay XXXX USD to a 3rd Party in a contract against my XXXX XXXX. 
1 week later the cheque was withdrawn and account got overdraft by XXXX USD. 
All the relevant details has been attached in pdf.
Product: Debt collection

The social security number belongs to the social security administration and anything purchased with that identifier number is an obligation of the UNITED STATES. 18 U.S.C 8 Any attempt to collect a debt from me is guilty of the False Claims Act ( FCA ). 31 U.S.C 3729
Product: Credit reporting

Transunion has ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly delete all information which can not be verified. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint # XXXX concerning Transunion stating a negative item was removed yet it was not. Transunion said on XX/XX/2018 that they would investigate this issue and give me a response. 

I received another Proof of current mailing address request again from Transunion. The first request I received was on XX/XX/2018 ' I am confused as to why Transunion is stalling in removing the negative item from my credit file ( XXXX ). Something they previous said they removed already.
Product: Mortgage

I am filing a complaint on Plant Home Lending of XXXX, CT. 

My complaint is regarding deceptive and unethical business practices in reporting past due payments to the credit bureaus. 

It all started when they assumed my loan in XX/XX/2021 and I was notified in XXXX of this change. In the first written documentation, I was informed that I could set up automatic payments. I elected to take this option, as noted, and sent back the required documentation for ACH setup via fax and US mail. I received a confirmation letter stating that my ACH setup was correctly in XXXX for XXXX payments. 

After receiving a letter that my payment was late, in XXXX, I called, again and immediately paid and re-setup another ACH system setup via their OLD portal for XXXX and future payments. 

The following month I received another letter, mid-month stating my payment was late. I AGAIN called and made the payment immediately for XXXX and XXXX and again set up another ACH auto payment in the NEW portal as instructed by the customer service agent. The agent told me that the OLD portal wasnt working correctly. 

It appears that my effort in establishing and following a new customer onboarding process wasnt successful. This organization reported me to the credit bureaus as a late payment because the on-boarding materials and documentation were running two to three weeks late and or did not arrive. 

If you review the files and sequence of events, I tried my best to work within the Planet Home Leading system to establish an ACH auto payment following the process that was given to me. With your letter arriving weeks after the dated letters, I would not have known of any issues. 

I am requesting assistance in removing the credit bureaus ' report and or noting to the credit bureaus that the sequence of events was an error on Planet Home Lending. Planet Home Lending claims they reported correctly, but they failed to state that the error was on their behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to request the method of verification for dispute initiated on XX/XX/2021, and the subsequent response received on XX/XX/XXXX. 

Please send the following information used to verify the validity of : XXXX XXXX XXXX XXXX ACC # : XXXX XXXX XXXX XXXX ACC # : XXXX XXXX XXXX XXXX ACC # : XXXX The name of the original creditor The creditors address and telephone number The persons name they verified the dispute with The documentation used to verify the dispute In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right under FRCA, Section 616.
Product: Debt collection

This company has reported a collection amount of {$520.00} to the credit bureaus and it is negatively impacting my credit. It is being reported as a past due balance and I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Product: Credit card or prepaid card

I bought laptop from XXXX XXXX charged my credit card {$1200.00} for purchase then XXXX put another hold on credit with same amount overdraft my card over limit. I called Bank of America who issued my visa credit card and they told me its processing and we can not make claim on it. I contacted XXXX they said its going to clear once item shipped which never happened although purchase received. I filed fraud complaint against XXXX. And now I m filling against Bank of America who should have recognised the double charge and fix it but they want to charge me fees so they overdrafted my credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my driver 's license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within four days upon receipt of this correspondence.I have recently obtained a copy of my credit file, and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be removed entirely and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Jefferson Capital Systems {$700.00} XXXX XXXX : Police Report/identity Theft Report, FCRA Sections 605B, 615 ( 1 ). 623 ( a ) ( 6 )
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you have broken law. You are unlawfully reporting unauthorized accounts on my consumer report that has violated my federal protected rights to privacy and confidentiality under FCRA law 15 USC 1681. I have not given permission to furnish anything on my credit profile. You have violated me pursuant to 15 USC 1681 ( b ), the permissible purpose of my consumer reports. You have no permissible purpose by law to contact third parties with my private and personal information. Your offenses amount to Aggravated Identity Theft pursuant to Title 18 U.S.C felony punishable 102BA. You have knowingly transferred, a felony punishable with up to 2 years of imprisonment, in addition to civil liability up to {$1000.00} per violation. You are also in violation of 15 USC 1692g. My instructions are for you to delete these accounts 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
Product: Credit card or prepaid card

This will be the third complaint through CFPB in regards to this issue. In my last two complaints ( the last being # XXXX ), I was expecting to hear a response relevant to my complaint, and I am still waiting for this. 

As my last two submissions, I attached the chat dialogue wherein I was assured by the online customer service representative that Citibank has been paid in full. If you would review the chat ( I will attach again ), you will see I was clearly informed this was so. I have received the letter Citibank speaks of where they informed me of the situation regarding the payment I attempted to make. This is not my issue. I do n't know how I can be any clearer. And I would like a response in that regard and not Citibank avoiding that issue a third time. 

To clarify, my issue is I was informed and assured the balance ( {$990.00} ) was paid off in full, and more specifically that Citibank has been paid, they received the amount and that no amount is owed. I am going by that information. And this account needs to be marked as I was informed, as paid, and to be closed as I do not wish to do business any longer with a bank that lies to its account-holders. I will not let this issue go until Citibank follows through on the information they gave to me.
Product: Credit card or prepaid card

I upgraded my credit card in XX/XX/2021, charge for new credit card paid was {$390.00}. One of the benefits is FREE PRIORITY PASS for travel lounges etc. Four months into the card the PRIORITY PASS people are saying my credit card does not qualify. HOURS ON THE PHONE WITH CAPITAL ONE with no resolution. CLEAR CASE OF BAIT AND SWITCH BY CAP ONE. VENTURE X IS A SHAM
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several incorrect accounts. I have asked for these accounts to be verified in the past and have provided an FTC report and have a CFPB profile where I've repeatedly complained. Some accounts have been returned to my profile incorrectly. Here is a new FTC number regarding this account : FTC Report # XXXX I was notified that the CFPB has filed a lawsuit against Experian and I have been experiencing the same across all 3 bureaus! I'm requesting these accounts be removed or corrected immediately as it is affecting my chances of getting a house, car and other items. XXXX, XXXX and Experian all violate my rights as a consumer, as well as federal laws. I would like all reported accounts to be removed corrected immediately! 

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