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

XXXX XXXX Attn : Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Dispute of Account - Possible Fraudulent Activity Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the existence of an account associated with Portfolio Recovery Associates XXXX which is listed on my credit report. The specific details of the account in question are as follows : Creditor Name : Portfolio Recovery Associates Account Number : XXXX Date of Account Opening : XX/XX/ After a meticulous review of my credit report, I want to bring to your attention that I have no knowledge of this account, and I dispute its legitimacy. I have not opened, authorized, or engaged in any transactions with Portfolio Recovery Associates. 

The information reported, including the original balance, past due amount, and the status of the account, does not align with my financial activities or history. Given these discrepancies, I am deeply concerned that this account may be the result of fraudulent activity or identity theft. 

I am formally asserting that this account is not mine, and I firmly believe it to be a case of fraud. In light of this, I am requesting an immediate and thorough investigation into the origin of this account. I kindly ask for your cooperation in rectifying this matter promptly.
Product: Mortgage

This is a follow up to Complaint XXXX which was submitted on XX/XX/XXXX. 

After our Mortgage servicer voluntarily dismissed their foreclosure action they have refused to take payment on our mortgage citing the fact that they had started a foreclosure action and because of that their system won't allow payment to be made. That conversation happened around XXXX CST on either XX/XX/XXXX or XX/XX/XXXX of 2021. The representative of Idaho Housing and Finance Association  said that the call had be escalated to a supervisor and I would be getting a call back within a few days. It is now a month later and there has been no communication from Idaho Housing and Finance Association. 

On top of that when we checked my wife 's credit score my wife 's credit score had been negatively impacted by Idaho Housing and Finance Association and had not been fixed. 

It should be noted that the companies lawyers broke the rules of Iowa Civil Procedure at least once during litigation by submitting a document saying that they had held a Trial Setting and Discovery Conference with us. This should have amounted to lying to the court as this would have been a step that is required for any case that is heading to trial
Product: Credit reporting

CURRENTLY THERE ARE XXXX ADRESSES LISTED ON MY CREDIT REPORT. 
PLEASE REMOVE THEM AND LIST ONLY MY PHYSICAL ADDRESS OF : XXXX XXXX NY XXXX THE XXXX XXXX WERE THE LISTED WITH THE PHYSICAL ADDRESS NOT AS SEPERATE ADDRESS THESE WERE STILL CONSIDERED THE XXXX ADDRESS 3 YEARS AGO DURING ROAD CONSTRUCTION I WAS PROVIDED XXXX XXXX XXXX SO I DIDNT MISS ANY MAIL DELIVERY THE XXXX WAS PROVIDED FOR MISSING MAIL ISSUES DO TO OTHER PEOPLE STAYING AT THIS RESIDENCE I WAS ALSO RECONSTRUCTING MY DRIVEWAY THIS PAST 12 MONTH AND SOMETIMES MY MAILBOX AT THE PHYSICAL PROPERTY ADDRESS WAS NOT ACTUALLY UP PLEASE REMOVE BOTH XXXX ADDRESSES FROM MY CREDIT REPORT, ALL CONSTRUCTION HAS BEEN COMPLETED AND OTHER RESIDENCE HAVE MOVED I WILL BE RETURNING BACK TO THE PHYSICAL ROAD ADDRESS.
Product: Mortgage

Chase Bank holds the Mortage to my house. Chase put XXXX XXXX XXXX a collection agency out front as of XX/XX/2020 to collect my Mortage payment. 
When I called for payoff information I was sent information to make wire transfer to Chase Bank account number. I bank with Chase, my Mortage is Chase by way of XXXX. Chase is still auto debit my account taking the mortgage payment. Chase charged me {$35.00} to send money from my Chase account to them Chase to pay my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 : also consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Dealer Services was paid in full, they were only paid late because of their insurance and its ineptness not due to any fault of my own. They have refused to fix the status of the account for years. 

I am simply asking now to be accurate across all 3 bureaus. My issue is with XXXX who shows this debt is unpaid when it was paid IN FULL!
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : ( XXXX  XXXX ACCOUNT NUMBER XXXX ) I have attached all the relevant documents pursuant the above section of the law. I demand all the above fraudulent accounts be DELETED immediately within 4 days of being notified of the identity theft or I am requesting compensation for {$1000.00} per violation along with damages I haveThis Company has been notified with numerous letters and has failed to validate the debt related to identity theft. My accounts have not been investigated thoroughly, I have not received the requested documentation that shows any contracts, and validation. Pursuant 15 U.S Code sS 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency of ( 1 ) Appropriate proof of the identity of the consumer : ( 2 ) A copy of 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. This has damaged my reputation and the company has failed to respond to my dispute letter that included an identity theft affidavit along with the requested identity proof documents. SEE CERTIFIED MAIL TRACKING NUMBER SENT TO ( XXXX  XXXX ACCOUNT NUMBER XXXX ) XXXX SENT TO XXXX  XXXX XXXX SENT TO XXXX VIA XXXX CERITIFED MAIL XXXX SENT TO EXPERIAN VIA XXXX XXXX MAIL XXXX SENT TO XXXX VIA XXXX CERTIFIED MAIL 15 U.S. Code sS 1681n- Civil liability for willful noncompliance ( a ) In General Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) Such amount of punitive damages as the court may allow ; and ( 3 ) In the case of any successful action to enforce any liability under this section, the costs of the action together with with reasonable attorneys fees as determined by the court. 


I have attached all the relevant documents pursuant the above section of the law. I demand all the above fraudulent accounts ( XXXX  XXXX ACCOUNT NUMBER XXXX ) ) be DELETED immediately within 4 days of being notified of the identity theft or I am requesting compensation for {$1000.00} per violation along with damages I have suffered due to not being able to obtain credit.
Product: Prepaid card

Hi, I purchased XXXX gift cards on eBay from seller : paypal digital gifts, XXXX cards ( {$25.00} and {$100.00} ) on XXXX/XXXX/16 and XXXX card for {$100.00} on XXXX/XXXX/16. I tried to use them 2 months ago and balance on all XXXX cards said XXXX. I contacted paypal, the rep told me it was confirmed I never activated the card and will investigate and get back to me. 2 months after I called and paypal said there 's nothing they can do and transferred me to ebay, ebay said there 's nothing they can do as too much time passed to open a claim, I tried to tell them I bought gift cards that do n't expire and did n't expect the balances to be 0 months later, they gave me the email to the seller instead. I emailed the seller ( both email accounts ) numerous time and did n't get any replies. I heard that paypal digital gifts by accident posted the gift card numbers on line, so everyone was able to use them before the actual buyers. I 've read that many have gotten refunds already and some are just given the runaround. I keep calling and emailing paypal and they just tell me there 's nothing they can do. I do n't want to be out {$220.00}, someone has to be responsible for this. Anything you can do to help would be greatly appreciated as I have exhausted all my options. 

Thank you
Product: Credit card

I have tried repeatedly to close my Sears account. It 's an automated phone system and you can not speak with someone. My account still has not been closed. I received a new card just yesterday.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Experian by certified mail on XX/XX/2020 for investigations into these issues, and they were not corrected. Which they should be because the account is closed or has been closed due to transfer so they are not required to be on my credit report no longer. They keep trying to tell me I need to verify my identity and I have with ID, Social Security card, and utility bill. 

They left these account as is on my credit report. 

XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I original had a payday loan that has been paid off for 2 years. Today I looked at my checking account and they charged my account {$120.00} for a maintenance fee. I have not requested any money from this company and never received documentation that stated they would hit my checking account with some random fee. I have disputed this with their company as well as my bank. I did not authorize this transaction and made my payments on time every month and the balance was paid off 2 years ago. They have taken advantage of me as a prior customer because they still had access to my bank account. The company name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX.
Product: Credit reporting or other personal consumer reports

in According with the fair credit reporting act.the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I have every right by law to eliminate these accounts from my credit that affect without reason, I believe that these companies have incorrect information that I would like to remove from my credit report I dont recognize those hard inquiries that show bellowl ; 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

The accounts listed below are not mine and could not be mine because I was incarcerated on the dates they were open in prison. I have shared this with all 3 bureaus and sent proof of everything and asked them under 15 U.S. Code 1681c2 that the items be taken off and they only removed one and never responded about the others. So I asked them under 15 U.S. Code 1681d to prove they are mine which I know they cant because they are not and was never responded to. 

The accounts are XXXX XXXX XXXX Opened XXXX {$130.00} XXXX Opened XXXX {$580.00} XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX And the following inquiries XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX, XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX, XXXX XXXX, XXXX My Identity Theft Report reference number is XXXX and my police report number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There are things on my credit report that I have no idea about, I've asked for proof of who they are, there are random bills and they can be from anywhere due to fraud. I've never received anything from the company or who they are. XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I've been living at my current address for less than a year and the debts are fraud. I'm getting law enforcement involved. For companies to report do XXXX, XXXX, and Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Georgia XXXX XXXX Account # XXXX & XXXX  Account # 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: Debt collection

This debt has been sent to Phoenix Financial Service from XXXX XXXX. I previously reported this fraudulent charge from XXXX XXXX  when the submitted to Resolve. They have now let it be submitted to another collections company. The stated from my prior complaint that they would absolve this debt and issue.
Product: Checking or savings account

Ive filed complaint after complaint after complaint with Wells Fargo, Oregon Governors office, FTC, Oregon Attorney General, CFPB, XXXX, OR Div of Financial Regulation, Office of the Comptroller of Currency, SEC and still Wells Fargo will not transfer my assets out to the company I have hired to manage them. IT HAS BEEN 7 MONTHS! I filed a complaint with you and the response was INCREDIBLY UNACCEPTABLE! I am asking for help not asking WF to respond. They send letters stating " We are aware of your concerns and we take them seriously and are working on it ''. Ive heard this same response 10 times now. NOTHING IS HAPPENING!!!! 

XXXX XXXX XXXX XXXX XXXX promised me he would call me daily with an update. HE has called only once in the last week. I have to call any WF number I can to get connected. Then and only then does he give me an update. 

WELLS FARGO IS HOLDING MY ASSETS HOSTAGE!

I need help getting funds and assets OUT OF Wells Fargo! If you can't help- WHO CAN?????????
Product: Mortgage

I initiated a refinance and during the initial call I was told a few things. 

Total fees would be {$3100.00} ( title : {$1500.00} & Origination {$1600.00} ) my total closing costs were {$5300.00}. 

I was told XXXX would purchase my points as a promotion. The closing disclosure has a charge of {$1500.00} charged to me. 

I was told I would be refunded half of the {$570.00} appraisal. I can only assume this is in " other credits '' on my closing disclosure but I don't know. 

Every time I questioned the closing docs the answer was " these things are always so wrong ''. 

This entire process was based on lies from agents working with XXXX. I believe this is fraud.
Product: Credit card or prepaid card

I received a {$500.00} electronic gift card from Macys from a relative. Since I preferred having a physical card that I could keep in my wallet, I went to my local XXXX, VA XXXX and asked them to convert the electronic card to a physical card. After much reluctance on Macy 's part, they did not. 

However, a few weeks later, I tried to use the new physical card but was told that it had a XXXX balance. I also checked the balance of the old electronic gift card and it also had a XXXX balance. Therefore, the staff at the XXXX, VA store - due to fraud or negligence - lost the entire {$500.00} amount during the conversion process. 

I have called Macy 's multiple times but the representatives said they could not help. Instead, they referred me to an email address. After a delay of nearly two months, I received an email cryptically saying that Macy 's can not help with this matter. There was no explanation or discussion and no way to further contact Macys about this matter. 

Macy 's owes me {$500.00} and I intend to pursue all legal remedies to recover that amount.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX -DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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
Product: Mortgage

My loan was originated with XXXX XXXX on XX/XX/XXXX. The servicing was sod to PennyMac. In XXXX I checked my escrow after receiving my tax statement and made them aware that I had changed to 4 % tax status. At the end of XXXX I received my refund. I received a letter from PennyMac stating I had no insurance on my home and it would be forced by The lender if I did not prove coverage. I called my Insurance agent and we started the process. On XX/XX/XXXX I was notified by my agent that the insurance had to be paid today or coverage would be declined again. I spoke to 4 different people about this and finally XXXX was helpful and called the Insurance company on a 3 way and helped me handle it. 

The complaint is that because when PennyMac took over servicing they did not contact the Insurance company and change the Mortgage E Clause and this caused the insurance to be declined. I have heard this from several people/friends. One of which PennyMac forced insurance and it was because XXXX XXXX sold her loan to PennyMac. I am concerned that this is a pattern. I checked the internet and it is the responsibility of the new servicer ( PennyMac ) to notify the Homeowners insurance company and change the Mortgage E clause. 

I am in the Mortgage industry so I understand where the problem lies. I am concerned with other borrowers that do not know the process having increased premiums/monthly mortgage payments that they can not afford. It took me 1.5 hours to correct this. What about the borrowers that can not take time from work to handle this? 

I appreciate your time and I hope that this will not affect anyone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # listed below has violated my rights. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX Currently on-time 1 Missed Credit cards XXXX XXXX XXXX Currently on-time 3 Missed Other loans XXXX XXXX XXXX Currently on-time 4 Missed XXXX XXXX Currently on-time 4 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX XXXX, XXXX XXXXXX/XX/XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of ed/XXXXXXXX Department of education XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A. 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 witout my written instructions.