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

I am writing to formally dispute and request the removal of late payments from my credit report, which were inaccurately reported by XXXX XXXX and XXXX XXXX Credit Card. These late payments have adversely affected my credit score and financial standing. Pursuant to the Fair Credit Reporting Act ( FCRA ), I believe that these entries violate my rights under the statute, specifically under 15 USC 1681 Section 602, which ensures my right to privacy.

Furthermore, under 15 USC 1681 Section 604 A, Section 2, it is explicitly stated that a Consumer Reporting Agency ( CRA ) can not furnish information regarding my account without my explicit written instructions. I have not provided such instructions to XXXX, XXXX, & XXXX, and therefore, the inclusion of these late payments in my credit report is a violation of this provision. 

Moreover, according to 15 USC 1666B, a creditor is prohibited from treating a payment on a credit card account under an open and consumer credit plan as late for any purpose. I assert that the late payments in question were made within the appropriate timeframe as stipulated by this statute and should not have been reported as such. 

I kindly request that you promptly investigate this matter and take the necessary steps to remove these inaccurate late payments from my credit report. I also request that you provide me with a written explanation of the actions taken to rectify this issue. 

Please consider this letter as a formal dispute under the FCRA, and I expect a timely response in accordance with the law. I appreciate your attention to this matter and look forward to a swift resolution. 

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

I have disputed this account, filed a police report, and submitted a FTC complaint. I recently pulled an Experian credit report, upon reviewing my credit report in XX/XX/XXXX, I noticed a XXXX XXXX XXXX mortgage account # : ( XXXX ) balance : {$XXXX} opened XX/XX/XXXX this is either a mis-print or a fraudulent account. There was also a host of inquiries as well included here : XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX  XXXX  XXXX ( XX/XX/XXXX ) & ( XX/XX/XXXX ), XXXX XXXX   XXXX  ( XX/XX/XXXX ), XXXX/XXXX  ( XX/XX/XXXX ), XXXX   XXXX  XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX  XXXX XXXX  XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) I did not apply for credit with any of these companies nor have allow anyone else to use my credit or social security number to apply for credit with these companies.
Product: Credit card or prepaid card

I received a bill from XXXX XXXX for my XXXX XXXX  credit card. The amount was XXXX. At the end of XX/XX/XXXX I mailed in a check for the amount of XXXX along with the payment stub. On XX/XX/XXXX it was sent through my account and XXXX was deducted. Then on XX/XX/XXXX the paper check came through my account and another XXXX was deducted. I called my financial institution on the XX/XX/XXXX. They credited my account, but on the XX/XX/XXXX they debited my account because they said XXXX had to fix it. So I have spoken with XXXX on several occasions but they still have not given me my money. Now I am so stressed about this it is causing me to shake. Please help me.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M IN HELP OF SOME ASSISTANCE DEALING WITH A COUPLE OF ACCOUNTS THAT ARE APPEARING ON MY CREDIT REPORT THAT ARE NOT MINE.
Product: Credit card or prepaid card

I opened BBVA credit card through their customer service in XXXX. I have been told I can got 50000 points after 4000 spend plus 10000 additional points after my first use my credit card equal total 60000 points in 3 months. I finished their Spending requirement. Then I just received 50000 points only. I called customer service they said the 10000 points ending in XX/XX/XXXX. They cant give me these points. I felt so disappointed about BBVA. If you cant offer me, you should tell me before I apply. So I think they said that, they should honor it.
Product: Credit reporting, credit repair services, or other personal consumer reports

At this point I don't know what to do anymore. I'm sitting here crying while typing this complaint. This is my second complaint, I was accuse of not being me? I've been going through this process way too long and I can't take it anymore. I'm in distress and I truly feel like I'm being taken advantage of and I feel like I am being ignored. In my first complaint XXXX  responded saying I wasn't me I'm sick of going back in forth. Again, I submitted a dispute XX/XX/2020 and have yet to recieve any indication that my disputes are being investigated and I haven't received any results. In section 611 a it's stated that a failure to investigate the items I disputed within 30 days is a reason to remove those items from my credit report and it's now been over 40 days. I demand that these accounts be deleted immediately or I will be filing for litigation due to the stress you have caused me and my family.
Product: Credit card or prepaid card

On XX/XX/2017 I ended a contract as a " booking agent '' for a moving company. As the booking agent I purchased leads on people moving from several online lead generators. When my contract ended, so did my need and authorization to purchase leads. I noticed in late XXXX or XXXX that I had been charged over {$20000.00} on my companies business Ink card from the vendors I used to use to purchase leads for but no longer was. I have attempted to resolve this with chase for the past 18 months and with the merchants themselves but at this point no one is willing to do anything. They do not have any documentation to support that the charges were made by me, because they were not. It has been a nightmare and now Chase is reporting the late payment on the Ink card to my personal credit. Also, the company I was contracted by is being sued by the state of Florida for deceptive business practices.
Product: Checking or savings account

I was paid {$4700.00} in XXXX by my employer and {$1700.00}. someone used my debit card ( I never had a debit card and let US Bank know this ). They went XXXX miles from my house to ATM 's in XXXX XXXX, withdrawing {$800.00} ( 4 ) times and {$440.00} and smaller amounts as well all while also purchasing at lots of stores. I reported this fraudulent activity to US Bank, and they subsequently closed my account due to their " banking decision ''. This has left me scrambling as I had to contact my employer and change my payroll deposit account and they have over {$3500.00} of my money that they are not refunding. 

I spoke with a banker yesterday over the phone, and he said, " I can not tell you exactly when your account will close and we will send you a check but it could be longer than 3 weeks '' .This leaves me very tight and in an unfavorable position, all due to US Bank trying to scapegoat responsibility for them allowing fraud on my card.
Product: Credit reporting

In XXXX XXXX I moved into an apartment complete at XXXX XXXX XXXX XXXX XXXX XXXX MA and received electric services through XXXX. In XXXX XXXX I moved from the apartment into a new apartment located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA and called to close account, but account was never closed and billing remained in effect until XXXX while new tenants during that time were receiving services. The creditor has refused to work with me on this matter by recalculating what I owe and is reporting as a collection to all XXXX credit bureaus even with verification that I was not a resident during the months billed XXXX XXXX XXXX. I have filed numerous disputes through the creditor, collection company and all XXXX credit bureaus but have been unsuccessful. I recently filed a compleint with the Department XXXX XXXX XXXX who has denied my claim because it is in collection status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to removeitems that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX ; DEPT OF ED XX/XX/XXXX
Product: Credit reporting

I am a victim of identity theft and have some fraudulent and unauthorized collection accounts and credit inquiry listed on my Experian credit report that do n't belong to me. The following accounts do n't belong to me : XX/XX/XXXX, XXXX , XXXX {$1200.00}, XX/XX/XXXX, XXXX/ XX/XX/XXXX , XXXX/XX/XX/XXXX, XXXX
Product: Mortgage

The Claim : Our HELOC mortgage payment sent to SLS Loan Servicing ( SLS ) in the amount of {$10000.00} has been erroneously endorsed by XXXX XXXX ( XXXX ) and misapplied and erroneously credited to an unknown account at XXXX. SLS was notified of the error on XX/XX/XXXX but to this date refuses to either acknowledge receipt of the check or to sign an Affidavit of Forgery or Misapplied Funds that will allow our bank, XXXX XXXX XXXX ( XXXX ), to pursue a claim against XXXX for the erroneous endorsement and/or proper credit of the misapplied funds. 
The Facts : In XX/XX/XXXX we opened a HELOC account with XXXX XXXX. That loan was apparently sold to a securitization owned by an unknown investor on an unknown date sometime before we made the first draw on the HELOC on XX/XX/XXXX. Servicing on the HELOC was transferred to SLS sometime around XX/XX/XXXX. We sent the {$10000.00} mortgage payment by personal check ( the " Check '' ) to SLS via USPS addressed to their designated XXXX in XXXX GA ( see attached copy of front and back of the Check ). On XX/XX/XXXX the Check was erroneously endorsed by XXXX as payable to one of their accounts and on XX/XX/XXXX the Check was cleared by XXXX and the {$10000.00} was disbursed to an unknown payee. On or before XX/XX/XXXX we discovered that the proceeds of the check had not been credited to our HELOC, and on that date we filed a claim with the Postal Inspector at the USPS and complained in writing to SLS requesting SLS to either correct the misapplication of funds or sign and send to XXXX an Affidavit of Forgery or Misapplied Funds so XXXX could pursue a claim against XXXX. We signed and delivered such an affidavit to XXXX on XX/XX/XXXX. On XX/XX/XXXX we contacted the XXXX Ethics Line by email to request an investigation, since XXXX or one of its clients was the apparent recipient of the misapplied funds. On XX/XX/XXXX we received a letter from SLS ( copy attached ) disputing that they had ever received the Check and disclaiming any responsibility for the misapplication of the funds from the Check. 
Current Situation : The HELOC matures and final payment is due on XX/XX/XXXX. We have paid the outstanding balance down to approximately {$10000.00} but will have difficulty paying off that remaining balance if we do not recover the {$10000.00} in misapplied funds. We have an on-going ethics investigation pending at XXXX, and have recently discovered that the loan syndication may have been purchased by XXXX, who SLS told XXXX Ethics is currently the owner of the HELOC. ( XXXX = XXXX XXXX XXXX XXXX XXXX. ) Since we are still investment clients of XXXX XXXX, we have requested an investigation at that entity as well. In our view, the funds are currently held by XXXX on behalf of XXXX, but the funds were erroneously deposited in the wrong XXXX account by SLS. However, XXXX has now essentially washed their hands of the situation ( see attached letter ), even though they are the key to tracing the funds at XXXX either through their auditing of the internal routing of the Check, or by providing the necessary affidavit to XXXX so it can trace the source of the erroneous endorsement at XXXX.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a car loan that I didnt approve of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681 ( a ) ( 1 ) - the banking system is dependent upon my consumer reports being fair and accurate to me. XXXX and Experian continues to report a bankruptcy on my credit report when I have disputed and sent them proof several times from XXXX XXXX that they were unable to verify the accuracy of the bankruptcy and has removed it from my report. I just recently obtained documentation from the United States Bankruptcy Court as well that sates they do not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers ' credit files. Experian and XXXX has both sent me letters stating that they reached out to the Court and the information came back verified which is a total lie considering their response. I don't understand why they continue to tell me that it has been verified as accurate. Pursuant to 15 USC 1681 ( a ) ( 2 ) - this careless mishap that these companies have caused has ruined my reputation, and has adversely affected my creditworthiness. I am being denied credit because of their grave errors which has caused me severe XXXX and anxiety.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am responding to your recent communication regarding an alleged debt you claim I owe. This is not an acknowledgment or acceptance of liability for this debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request that you validate this debt by providing detailed information and documentation regarding its origin and your right to collect it.

Specifically, I request the following : 1. The name and address of the original creditor.

2. A copy of the original agreement or contract that created this alleged debt.

3. Documentation showing that you are legally authorized to collect this debt, including a copy of the assignment or purchase agreement between your agency, the original creditor, or any intermediary parties. 
XXXX. A detailed account of the amount claimed, including principal, interest, fees, and other charges. 
5. Proof that the debt is within the applicable statute of limitations for collection.

Until I receive this documentation, I request that all collection efforts, including reporting this alleged debt to credit reporting agencies, cease immediately as the law requires.

Please note that I am keeping records of all communications related to this matter. Failure to provide the requested documentation will result in a debt dispute and may be reported to the appropriate authorities for further action.

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous of letters, the dates XX/XX/2019 with tracking number XXXX, disputing an account with Equifax, original creditor being XXXX XXXX. Equifax has failed to provide me with any physical verification of any such account ( XXXX XXXX ).
Product: Vehicle loan or lease

I disputed this account for months they keep reporting it to my credit report Kia finance on XX/XX/2012 balance XXXX
Product: Debt collection

Direct Recovery Services @ ( XXXX ) XXXX Sent my mother a text message and repeated phone calls to my mother about my debt after I told them NOT to reach out to my mother. Called my sons phone number and it was a recording saying this message is for XXXX ... ... if you are not XXXX please hang up now, ( the recording then paused for 3 seconds then the recording continued all ) this is an attempt to collect a debt any information obtained will be used to collect a debt ... .. They ( Direct Recovery Services ) can not legally tell anyone I owe a debt. When I reached out to them ( DRC ) and asked them how they are finding these numbers they said they use my social security number. I have asked them to STOP reaching out to my friends and family regarding my debt. They reached out to my ex trying to " verify '' my address and I have a restraining order against my ex for domestic XXXX. When I shared this with DRC they said legally they can do all the above and more. Now my ex has my address and family and friends know I owe a debt!!!!
Product: Mortgage

On XX/XX/XXXX I submitted a complaint through the CFCB regarding Bank of America. Obviously, Bank of America is playing games they claim in their CFCB response they were sending the response directly to the consumer because they could not confirm who submitted the complaint. First, the complaint was initiated through the CFCB. Certainly, the institution was aware of who the complaint came from. 

Second, Bank of America provided 2 letters dated XX/XX/XXXX and XX/XX/XXXX requesting additional time to respond to my complaint. Their letters dated XX/XX/XXXX was not received until XX/XX/XXXX and their letter dated XX/XX/XXXX was not received until XX/XX/XXXX. Oddly, their letters are dated approximately 2 weeks, prior to forwarding them to the consumer. 

Lastly, On XX/XX/XXXX I contacted the CFCB and they were able to read me a response letter from Bank of America I had not received. The letter read to me by the CFCB agent from Bank of America addressed the institutions past attempts to contact me by a number that no longer exists. 

In closing, this matter does not warrant a conversation, but a sufficient written response. I updated the institution with my new information 2 years ago. Since XX/XX/XXXX I am in receipt of 2 letters requesting additional time to respond to my complaint. Both letters are dated 2 weeks, prior to receiving them. On XX/XX/XXXX I contacted the CFCB and they read me their response letter that only addressed their attempts to reach my phone. 

However, Bank of America retains my home and email addresses for contact as well. In addition, I have an online account in which there were no contacts or messages provided by the institution. I strongly believe the institution has no legal ramifications to sufficiently provide a written response to my initial complaint. Bank of Americas response read by CFCB has no weight and it overall dwells on their attempts to contact me by phone when there are other alternatives of contact. I find their response unsatisfactory and demand that I have a written response to my initial complaint in its entirety dated XX/XX/XXXX.
Product: Checking or savings account

Every month around the the XXXX I received {$2200.00} for my social security XXXX payment to my checking account at JPMorgan Chase my account number is XXXX for the last several months Chase Bank is still my government entitlement and refuses to return the money to me he's a government benefits I believe this is a serious crime they belong to me not to Chase and Chase refuses to return them to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a previous complain which is closed without proper resolution # XXXX. 
This is regarding hard Inquiry in my credit report from unknown agency XXXX   Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX These are coming in Trans Union and XXXX   both and I do not remember I have not authorized any one of them doing it. 

So If this is not authorized so they can't hit my credit,
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize nor consent to the following inquires being furnished on my consumer reports, see attached
Product: Checking or savings account

During the pandemic 2021 the credit reporting agency experian aloud you to receive and monitor your report for free each month. Somehow I was upgraded to receive reports from all three credit reporting agencies I never authorized this. When I noticed it 9 months I had been getting billed for the upgraded the whole time. I contacted them and they reimburse me for two payments. I was told to contact my bank to receive the remaining balance. The bank credited my account with {$250.00} and 3 or 4 weeks later the bank took the {$250.00} back. I was informed that to much time had passed before I call to inform them of this unauthorized transaction. My bank is XXXX XXXX I'd like to see if I can recover this from the bank or experian?
Product: Credit reporting or other personal consumer reports

I sent your company a letter on XX/XX/XXXXXXXX  to request that you please include the additional information attached to my credit history report. As of yet, the account has not been added and I have not received a response. I am an authorized user on a XXXX XXXX card for my family member and you are not reporting this information. XXXX is already reporting this account. You may verify this information with the source, and I have included their contact details. Please see the referenced account below and see the attached dispute letter dated and time stamped and add the following account to my credit report : XXXX XXXX XXXX  XXXX Authorized user Credit limit {$30000.00} Open date XX/XX/XXXXXXXX  Contact XXXX
Product: Mortgage

We closed on our home in XX/XX/XXXX. We financed through XXXX with a monthly payment of {$5500.00}. As a part of closing, XXXX paid the tax bill to XXXX XXXX on XX/XX/XXXX in the amount of {$7400.00}. The mortgage was sold to Mr. Cooper in XX/XX/XXXX. Mr. Cooper paid the taxes again in the amount of {$12000.00} which caused our escrow account to go into deficit. XXXX XXXX noticed the error and sent a refund check of that same amount to XXXX, who is Mr. Coopers third party tax paying service in XXXX of XXXX. That check was cashed in XXXX of XXXX according to the XXXX XXXX XXXX XXXX. In XXXX of XXXX, we were informed that our Monthly mortgage was increasing to {$5900.00} because of the deficit in the escrow account. After spending several hours of our own time researching all of this, we spoke with Mr. Cooper who after XXXX weeks of back and forth said they did have the check and it would be refunded in XXXX days. They said until it hit the account we were still responsible for the deficit and would have to pay the higher mortgage for it.
Product: Student loan

Discover Student Loans On Saturday XX/XX/XXXX, I received a phone call at XXXX about my missed payment. I believe that is outside of hours that a company should be calling about a missed payment. I called Discover at XX/XX/XXXX to stop calls and only communicate by email or regular mail. I was told OK. 

Then today XX/XX/XXXX, I have now received 4 phone calls. I resorted to scheduling a payment to stop the calls. On happened while I was with a doctor for my child. 

This constant harassing about a payment at most two weeks late is too much.