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

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX XXXX Number XXXX
Product: Mortgage

OnXX/XX/2016, Irefinanced my existing mortgage and closed on a new loan with Commonwealth Mortgage , LLC in the amount of {$250000.00}. 
The rates and associated closing costs that Commonwealth initially provided me changed after multiple times after committing to proceed. The Closing Disclosure paperwork at Closing did not match any I had seen to date - nor did it match the final version I had signed off on three days beforehand. 
Both prior and after receiving the final disclosure to review on XX/XX/2016, I was concerned with its accuracy and both called and emailed multiple people at Commonwealth who encouraged me to sign off without clarity implying that a potential discrepancy was likely do the payoff schedule dates. ( See attached correspondence reminding me of potential loss of deposit ( {$500.00} ) if not signed off on. 
Since closing, XXXX DID ADMIT that there was an error in my loan estimate and I 'd be receiving a refined based on their oversight. Commonwealth then informed me that they would be seeing my loan to XXXX XXXX XX/XX/XXXX XXXX. 
The notices I received from both lenders regarding loan transfer on XX/XX/2016 reflect different principal amounts ( Commonwealth shows a principal balance of {$250000.00} and XXXX shows {$240000.00}. 
More importantly - both lenders amortizations schedules differ from one another - and neither adds up to the amounts associated with the total proposed to pay over the life of the loan ( or principle/interest/TIP ) on ANY of the Loan Estimates or Disclosure Estimates provided throughout the process of refinancing - or at closing. 
To-date I have requested, a revised final closing disclosure multiple time that matches an amortization schedule and have not received either. Because my initial payment on the loan is due this month - and it 's more than two months after the date of closing, I 'd like assistance in reviewing all of the documentation I 've compiled to support this timeline in an effort to get clarify, revised paperwork and possibly revised rates to reflect what was initially quoted to me in order to secure the loan. 
I look forward to someone 's reply and hopefully a resolution to the lack of clarity and accurate documentation associated with my new loan. Please advise if there 's someone I can send a more detailed summary with emails/rate estimates/disclosures and closing documentation, which outline ( and prove ) the oversights relating to refinancing with Commonwealth Mortgage. 
In addition to my address, I 've also included my phone and email. Thank you in advance for contacting me at your earliest convenience.
Product: Debt collection

Professional Finance Company has placed inaccurate information of a debt of {$340.00} on all three credit bureaus. I've requested documents that were used to verify the accounts as being accurate. I've requested Validation and have received a bill. No signatures, no contracts, just a bill that I have enclosed in this complaint. I do not owe Professional Finance Company any money for any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up request of XXXX due to the company closed it. 
The creditor 's attorney responded to my attorney that they will withdraw this account in XXXX. So my original request is that both collection company and creditor need to eliminate this record in all 3 bureaus include XXXX ( They did the XXXX already in XXXX so need to be done on XXXX )
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XX/XX/XXXX -- {$4100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$710.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$360.00} XXXX XXXX XX/XX/XXXX -- {$360.00} UNKNOWN XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I bank with XXXX. 

XXXX XXXX I deposited a check for around XXXX via mobile app. This is my paycheck as a XXXX. 
I am a XXXX to my friends Business, XXXX XXXX XXXXXXXX XXXX. 
The check bounced due to insufficient funds. It was returned. Fees were charged. 
My friend gave me a new check after adding more money in the account. 
I again depostied it via the mobile app. It was not showing anything to be available, and the check was " on hold '' or " pending '' i dont remember the language used. 
I was near a Chase Bank Branch, so I went in to ask them what was going on with that check. 
The teller informed me that because my account was flagged due to the bounced check that this check did not go through when i attempted the mobile check deposit. He said maybe it was because of the amount of money it was for, or because of the flag, but not to worry he could deposit it in person. 
He gave me a receipt, and showed me the new date that I can expect to have access to my money. 
already annoyed because it was another XXXX weeks, all i could do was wait. 
So I did wait, and still no deposit. 
I was connected to all kinds of different special customer service numbers, and they said my account was restricted and onl hold because of the check being deposited TWICE. 
I was XXXX. I took all the actions Chase asked of me to, and had been on the phone with them or in person multiple times every week. They froze my accounts for over a month. No access to my money, no access to paying my bills on time, etc. This was a very serious long term problem, that STILL has not been resolved. They have many notes on my account, and everytime I go in there I leave thinking they really figured it out. And again I leave disappointed. 
Because this was my friends Business Account from XXXX, I had her involved too. 
The money, left the account twice. That's right, her XXXX XXXX account has a XXXX withdraws for this same check. 
The money, close to XXXX is somewhere in limbo. XXXX of my Accounts at Chase was Closed. And this is a huge mess created by XXXX eager and under trained Bank Teller who deposited a check that was already deposited. 
I need to have access to this money and/or my friends XXXX account needs to get back the money. 
This error of the teller has cost me XXXX of dollars in late fees, and has impacted my credit score. I will keep making complaints until its resolved and amends are made.
Product: Credit reporting or other personal consumer reports

This is about not being able to communicate in any way with Experian. 
In XXXX I had a few incidents of people starting accounts in my name. As a response I froze my credit with all the agencies. This year I would like to co-sign a small student loan for my granddaughter. Logging in to Experian, they accept my email address but not the password they gave me in XXXX When I try " forgot password '' it does not recognize my phone number. I try calling and they are all robot drivin. After failing to have the robot unfreeze my account. I ask to speak to a representative. No success. After hours of trying different numbers and having the same conclusion, I try XXXX. I am able to speak with a live person and they unfreeze my account. 
My real problem with Experian is that the loan company, XXXX XXXX, says they are unable to use XXXX I will have to have Experian lift the freeze. I spent another couple of hours and could not get any help at all. Time is running short for my granddaughter and I hope you can help me resolve this.

There are many sites with consumers having the same complaints
Product: Credit reporting or other personal consumer reports

Experian does not properly investigate disputes and fails to remove or reinsert errors on reports, threatening consumer+ access to credit, employment, and housing
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 
XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX Balance : {$4800.00} FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$290.00}
Product: Checking or savings account

This is a follow up to my existing complaint. Bank of America is still keep my accounts open and are pigeonholing my funds until after XX/XX/XXXX. They are actively gaining interest with this account and refusing to exposure my closure when federal regulations state this account should have been closed days after closure. Further, they have my Account locked effectively having my mortgage, childs tuitions, and car payments are all being returned. No one is assisting Ms this company needs to be held liable immediately I have followed up with my states attorney generals office, the OCC and FDIC
Product: Credit card or prepaid card

I had signed up for an American Express Business Gold card. The promotion was to spend {$5000.00} and received XXXX MR points. I recently canceled the card and Amex took away the bonus points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid two old credit card accounts I had with XXXX XXXX XXXX XXXX. I filed a dispute with experian and provided proof of payment and that the account should show a XXXX balance. They have refused to update my report and correct the information. They claim that since XXXX said the account wasnt paid that they wont fix it. So know I am facing a higher interest rate on a loan and may not be even able to qualify for the loan due to their incompetence. I just want my credit report to be accurate which should not be to much to ask.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was paid in full with agreement to full deletion. 

Account was updated as paid in full but not deleted. 

Called and spoke with a supervisor on XX/XX/2020 and was promised deletion and letter in the mail. 

Never received letter and deletion did not occur. 

Called several times to have corrected and still has not been corrected. Multiple calls have been disconnected and refusal of call backs.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to delete these inaccurate items in my file. 
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: Debt collection

Credit Corp Solutions opened a collection account against me without providing me any proof, letter or correspondence. I began receiving constant phone calls from this company, often multiple times a day, early in the morning and late at night. 

I contacted this company requesting proof of the debt and I was told I could only be provided proof if I agreed to make payment arrangements to settle the debt they are attempting to collect. I refused to agree to their terms as to my knowledge I owe no outstanding debt to any creditor or lender. The person who I spoke to was very rude, unprofessional and stated they would be reaching out to my employer to garnish my wages to pay this debut. 

The phone calls to collect a debt by this company have continued. At this point it's become harassing and I feel unsafe. Every time I look at my phone it seems like I have a missed call from them. It's beginning to feel like I'm being stalked. They keep calling me and won't stop. 

I've contacted an attorney and they've advised me to reach out to you, the CFPB, to try settle this matter before I escalate any legal action against this company. I'm requesting for this company to cease and desist from contacting me as well as to remove any delinquency or collection remark on my credit report from the credit bureaus such as XXXX, XXXX and XXXX and I am requesting for all debt attempts to subside.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, Months ago I received notification that two collection accounts had been added to my Equifax Credit Report. They are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$500.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$220.00} ) Since that time I have submitted dispute letters to Equifax requesting that they send me copies of the information they have in their file used to validate that this is my debt. 

On XX/XX/XXXX and XX/XX/XXXX I received two documents from XXXX that was typed by their office stating I owe the debt. They did not provide proper documentation. Also, prior to these collections showing up on my credit report I had never received any information from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, My last dispute was filed in XXXX ; to date my concern ( s ) have not be adequately addressed. I am requesting that XXXX XXXX XXXX XXXX XXXX XXXX / Equifax remove these items from my credit report. 

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

I contacted the agency regarding the information and no actions were taken. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my Rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX & XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$60000.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2400.00} ), XXXX XXXX XXXX ( Date Opened :, Balance : {$0.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$640.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$910.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$830.00} XXXX  XXXX ), XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$880.00} XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX Opened : XXXX XXXX, XXXX, Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am consumer. I am XXXX XXXX XXXX, XXXX # XXXX. This written by me and not a third party or law firm. TransUnion is obligated by FCRA to report accurate accounting consumer has advised all reporting is still inaccurate and missing data. I requested TransUnion send METHOD of VERIFICATION in 15 days three times. I have not received it. TransUnion has continued to violate my consumer protected rights. I am NOT requesting a reinvestigation and I am NOT requesting e-oscar report. According to LAW TransUnion had 15 days to provide the documentation used to verify my disputes. TransUnion must provide me with the name of the person spoken to, documentation used, consumer signed wet ink signature written. If TransUnion does not have documentation to show there were in fact accurate it must removed ASAP. Consumer is seeking monetary damages according to FCRA 15 USC 1681o, Civil liability for negligent noncompliance and 15 USC 1681n civil liability for willful noncompliance violations {$10000.00}. TransUnion commission file number XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX will be filing form 211 treasury omb form to audit consumer account. XXXX is securitizing consumer data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed some fraudulent unauthorized unrecognizable hard inquiries that I did not give permissible purpose to furnish please delete these inaccuracies and I also provided proof of credit report and ftc report XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/year> Bank XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX Balance : {$70.00}
Product: Debt collection

I AM CURRENT ON ALL CHILD SUPPORT AND COLLECTION MUST BE REMOVED FROM MY ACCOUNT. Please remove the entire " XXXX '' efforts from my credit report, from XXXX XXXX XXXX ( XXXX ). 

please see attached, and remove the collection efforts. 

See letter dated XXXX 

XXXX amount should be {$0.00}. 

Not owed ; not due. 

Please remove from the credit report. 

XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I want reported accounts removed - XXXX XXXX 
 Equifax
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Hello, I trust this letter finds you well. I am writing to bring to your attention a matter of significant concern regarding my consumer file. Pursuant to 15 U.S. Code 1681c-2, a consumer agency is required to block the reporting of any information identified by the consumer as resulting from alleged identity theft within four business days of receipt. Regrettably, it has been over 30 days since I reported this issue to you, and I am concerned that your agency is in violation of this law.

I have been a victim of identity theft, and I am requesting the immediate removal of the following items from my consumer report : Please see attached Identity theft Report.

These accounts should not be furnished on my consumer report, as their presence is in violation of 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ), any consumer reporting agency may furnish a consumer report under the consumer to whom it relates. I want to emphasize that I never provided written consent to any consumer reporting agency to report information on my consumer report, which constitutes a violation of my rights as a federally protected consumer. No consent is identity theft. 
As a consumer, I am demanding the immediate deletion of the accounts listed in my attached Identity Theft Report. I expect your agency to take prompt action to rectify this situation in accordance with the law. I have attached documentation supporting my claim for your reference. 
Thank you for your understanding and cooperation in this matter. I look forward to a timely resolution. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I have a new loan with XXXX XXXX. I want to pay it off in full ( I no longer want the car ). I have tried calling XXXX XXXX multiple times, but the IVR will not authenticate me. 

I have also sent in numerous emails over several business days asking for the payoff details and the only response I have received is asking me to call the phone number that will not authenticate me and for the " complaint '' shown as resolved/closed. 

It is clear XXXX XXXX is delaying providing me with payoff details in order to run up the interest charges for the loan which is in direct violation of Florida law which allows prepayment with no penalty. I have worked in good faith and provided all documentation the loan requested, but I can not get ahold of anyone at XXXX XXXX nor have I had any success in receiving information regarding how to pay off the loan in full despite numerous attempts.
Product: Credit card or prepaid card

XXXX spproximately 30 days ago, sometime around the beginning of XX/XX/2023, I discovered that my Chase credit card balance reflected {$3000.00} in unauthorized charges. In addition, several months had passed since I received a paper statement in the mail. I contacted Chase via phone to report these innaccuracies and inform them of how concerned I was that someone had apparently been able to gain access my card. I wasn't able to get any resolution with them at the time I made the report and I paid the balance in order to avoid my credit being affected and so that I could continue to use my card. I deposited a total of {$3700.00} for this reason and as soon as I did this, Chase immediately closed my account without notifying me or attempting to follow up with resolving my complaint and crediting me the {$3000.00}. They also took the {$700.00} I had intended to use to purchase something I needed then completely locked me out of my account. I have been unable to access any of my statements for the timeframe that these charges were made so I can't provide you with them at this time.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XXXX ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following is the only name. address, date of birth, and employer that should be put on my report : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX