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

I have disputed with XXXX XXXX which is a debt collection agency which is a third party collecting on behalf of XXXX XXXX XXXX with the following credit bureaus XXXX, Transunion, and XXXX. For the amount of XXXX. After I disputed the alleged debt it came back verified which I dont understand how they never sent me what I requested which was proof of existence of alleged debt, and the alleged original purchase agreement with the original creditor and signed by all parties involved never received anything I also sent Portfolio a cease and desist letter on XX/XX/2024 and asked for the same information I received nothing for the past 6 months I have been disputing inaccuracy on my credit report of this alleged debt.
Product: Mortgage

Specialized loan servicing LLC ( part of first bank ) took over my mortgage back in XX/XX/2022. They didn't take out my XXXX payment on the XXXX. I called. They stated they had difficulties with the transfer from the previous mortgage owner, XXXX XXXX XXXX not to worry it will be drafted on either the XXXX XXXX or XXXX. So I called back on the XXXX and they stated they still having difficulty so we'll be no later than the XXXX. And they uploaded a copy of the mortgage payment for XXXX which showed the XXXX and XXXX payment will be drafted on XX/XX/XXXX. I called to make sure this would happen as I did not want to be late on a payment. They assured me this would happen and nothing would be reported to the credit company. On XX/XX/XXXX, they did not take out my payment. I logged in and it said because I was late on the XXXX payment I was ineligible for overdraft. So I signed in paid it for XXXX and XXXX XX/XX/XXXX. They did not report it to The credit bureau is that as the law. But they still have it marked on my account that I have a late payment. Because of this, I'm unable to request PMI removal because you have to have not had a late payment within the past year. I called multiple times about this and when you call, they say they can see everything I'm saying is correct. this needs to be removed! I do not want any late payments on my account so I can get the PMI removed. They are not helping with this. I've repeatedly asked and they keep insisting that I've made the payment late. They made the payment late!
Product: Credit card or prepaid card

Re : Fraud on Debit Visa Debit Account|Case # XXXX On XX/XX/21 I received an email from coinbase stating, Action needed : your Coinbase Card is suspended. The email went on to explain that they discovered a phishing attempt from a number of fraudulent merchants. 
They noticed suspicious transactions from one or more of these merchants on my Coinbase Card and have suspended it for my safety. On XX/XX/21, I called them to inform them to cancel the card and close the account as I did not make the charges. I was informed by the VISA Card support Team phone center that I had to send an email. 

I informed them that I did not have access the the charges and they provide me with the following : Merchant name : XXXX XXXX Date/time of transaction : XXXX XXXX Transaction amount : {$48.00} Merchant name : XXXX XXXX Date/time of transaction XXXX XXXX XXXX Transaction amount : {$54.00} Since then I had made several calls and have sent several emails requesting for my funds to be credited back to my account with no resolve. I call and the VISA Card support Team phone center says they can not assist and I must correspond via email. All I receive back are changing case numbers and cryptic email messages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an initial dispute letter on XX/XX/XXXX but received no response from them. I sent a follow up letter on XX/XX/XXXX but still there was no response or investigation made. 

I have written the company numerous times and they keep on reporting incorrect information on my credit report. The unverified, incomplete, inaccurate items remained on my credit report in violation of Federal Law. They are in violation of Fair Debt Collection Practices Act because they did not prove validity of the debt, they failed to provide evidence to support ownership of the debt, they did not furnish the paperwork required to show 100 % proof that I own the debt. 

I did not receive a letter announcing that the investigation has begun. They are required to respond to me and complete their investigation within 30 days but none of this happened. 

List of Personal information that I have no knowledge of, not mine : Date of Birth : XX/XX/XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX - I believe that I had made my payments when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied. 

List of accounts Account does not belong to me. Information does not relate to any transactions that I have made : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX reported XX/XX/XXXX on the date of last activity, while Equifax reported XX/XX/XXXX. All dates should be the same. 

I have disputed these accounts and personal information from the Bureaus. These are not my accounts. Please help me remove it from my file. I contacted the the Bureau but I could not get any help.
Product: Mortgage

In XXXX of this year, our mortgage payment brought our mortgage balance below the 78 % LTV ratio of the original appraisal amount that our mortgage servicer lists in their contract and on their website as the point at which PMI will be automatically cancelled for all loans in good standing. I called earlier in the year to confirm the amount the loan needed to reach and that this was an automatic process. In XXXX, however I noticed the servicer was still deducting the PMI fee from our escrow. I called and emailed via their secure message portal to let them know this was still happening and to remove the PMI. One month later the fee was deducted yet again. I again called and they told me I must email a scanned copy of hand signed letter with my request, despite it being publicly noted that the PMI removal was an automatic process. I was irritated but complied, and received no response. In XXXX, the PMI insurance was yet again deducted from my escrow. At this point, I do not know how to have this stop. I have tried no less than 5 times to have this monthly fee removed for something that is supposed to be automatic. I fear reducing my monthly payment by the amount I should no longer be paying as I suspect they will say I am in default. Please help!
Product: Vehicle loan or lease

I would like these inquiries deleted because I did not authorize any of these companies to run my credit via written nor verbal.
Product: Debt collection

The original creditor of this debt was XXXX XXXX XXXX. The company was purchased by XXXX and the debt was payed in full. I have spoken to the original creditor ( XXXX ) to confirm. This debt is entirely fraudulent. It needs to be removed immediately or I am pressing fraud charges and filing a lawsuit. I also request that the appropriate federal authorities be notified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly asked for evidence to support Experian 's reporting, but yet again, the company has failed to provide me with a copy of any viable evidence submitted by DeptEdXXXX, XXXX XXXX and XXXX XXXX substantiating their claims. 
Furthermore, I have requested your method of verification, and Experian have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 
Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I am fililing a complaint. I sent them several certified letters dated, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have not received any reponse from the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS LOOKING AT MY CREDIT AT I SEE THAT I HAVE FRAUD ACCOUNTS ON MY FILE AND I CONTACT THE CREDIT COMPANYS AND ITS STILL NOT UPDATE YET 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
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I do not have a Capital One Checking account nor any account with Capital One. 
On XXXX I received two letters for Capital One Bank stating that my checks had been successfully deposited. The deposit dates on both letters was XXXX. The account number is XXXX. One check for {$97.00} and XXXX for {$96.00}. 
I have reported this fraud to Capital One. 
Apparently my SS number is out there. I have closed multiple fraudulent accounts this year. 
The only way I am notified is, if the banks send me US postal mail. 
I truly wish the banks would run a credit check, before opening an online account as my credit is frozen and has Fraud Alerts.
Product: Credit card

AMEX talked me into getting a business card and said the annual fee would be waived like my platinum card because Im XXXX. They charged the annual fee and will not refund it even thought I turned in all the paperwork multiple times and was promised to have it waived. Ive called multiple times and have requested a call back from a supervisor but havent heard back. They charged me another annual fee the following year and have been tacking on interest on the wrongfully charged fees and will not remove them and the interest. I asked to close both cards and they refuse. Now they have collection agencies contacting me.
Product: Debt collection

On XX/XX/2021, I instructed " MRS Associates '' to cease and desist contacting me via my cellphone regarding an alleged debt. That call was recorded by me in full. The customer service rep acknowledged my request. On XX/XX/XXXX, the company texted me again regarding the alleged debt. I called back the number to ask to speak to the company 's legal representation to resolve the issue. The customer service rep acknowledged that I should not have been contacted again, yet refused to connect me with a legal rep or attorney for the company.
Product: Checking or savings account

I have been reaching out to Wells Fargo for years attempting to get them to understand that Im not consenting to overdraft charging on my checking account. 

Ive opened several complaints and talked to their support for years and the only refund partially the over draft fees. 

My account since its been open in 2019 has never been opted into overdraft services. 

My every statement shows that Im not opted into overdraft services or overdraft protection.

When I asked them directly for a consent document stating that I have opted into the services, they reply with Everyone gets basic overdraft service I informed them directly that they cant do that by default and that regulations dictate that they have to have consent before enrolling in such services. 

They have intern, provided me with a simple memo; stating that all of their customers are opted into a basic overdraft service. 


They continue to not provide consent for their overdraft service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get the XXXX XXXX  XXXX  collection account removed from my credit report on Equifax, XXXX, and XXXX. XXXX XXXX and XXXX never sent me documentation for years letting me know that I had an account that was getting escalated to collections. I also never received any itemized document showing what exactly these charges are so that I can make sure they arent fraudulent. I have attempted to contact these parties and they have not sent in any proof showing why the other person on the lease or I owe anything. The only things they have sent are statements from a different apartment complex that they are running a collection for- but that is not THIS account. Equifax and XXXX BOTH removed the XXXX  collection from my credit report and the other person on the lease- but somehow the charges reappeared on ONLY my credit ( and not on the JOINT persons ) and its a whole new amount that they are charging!? This is fraudulent activity and Equifax, XXXX, and XXXX need to do their due diligence with their investigation. If XXXX XXXX  can not produce pictures from our move out date from XXXX  XXXX  ( which was back in 2021 ), provide an itemized statement showing why we owe this money, and have documentation or some way to show they contacted us to make us aware of these charges/photos/itemized charges. I want this collection off of my credit report due to inaccurate information. How would you know you are accurately reporting a total of charges when you dont know what each charge is for?
Product: Credit card or prepaid card

Hello, My Chase Sapphire XXXX card has a baggage delay benefit where you get reimbursed $ XXXX per day the baggage is delayed. I have provided all required documentation, but Card Benefit Services, which administers this benefit says the delivery confirmation the airline provided me isn't valid. All the airline ( XXXX ) was able to provide me was a confirmation that said my bag was delivered after 96 hours, however, this should still work in that it provides time frame in which the bag was delivered. Also, with how crazy airline customer service lines are this summer, this is likely the best I'm going to get from the airline. 

I provided all documentation as of XX/XX/XXXX, have called XXXX XXXX XXXX  twice since then, and then on XX/XX/16, they called me to tell me the airline 's delivery confirmation wasn't good enough to use. 

I am very frustrated since why do I pay for this credit card if the benefits are impossible to use?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX/XXXX XXXXNeeds Attention Last reported : XX/XX/XXXX {$9700.00} 30-59 Days Late XXXX/XXXX XXXX Last reported : XX/XX/XXXX {$5000.00} Good XXXX/XXXX XXXX XXXX  Last reported : XX/XX/XXXX {$4900.00} GoodThe items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Checking or savings account

XX/XX/2022 - XXXX, I CALLED THE BANK MULTIPLE TIMES TO LET THEM KNOW THAT I WAS UN-AWARE OF THE FRAUD ACTIVITY ON MY ACCOUNT AND ALL THE DID WAS TRANSFER AROUND AND AROUND INSTEAD OF HELPING ME RESOLVE THIS ISSUE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit profile for the first time in 6 years and seen many accounts that were not mine. I never applied nor seen any of these accounts. These accounts need to be removed. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX. There are also some inquiries that I'm not aware of XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX  XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted the FTC and my local police.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute of Fraudulent Inquiries on My Credit Report I am writing to formally dispute certain inquiries listed on my credit report that I believe to be fraudulent. After reviewing my TransUnion credit report, I have identified unauthorized inquiries that I did not initiate, nor have I provided consent for these companies to request my credit information. Specifically, I am referring to the following inquiries : 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 These inquiries are fraudulent, and I request that you investigate and remove them from my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to dispute inaccurate or fraudulent information on my credit report, and I am exercising that right by requesting the immediate removal of these unauthorized inquiries. 
As part of my dispute, I request that you : XXXX. Investigate these inquiries to verify their legitimacy. 
XXXX. Remove any unauthorized or fraudulent inquiries from my credit file. 
XXXX. Provide written confirmation that these inquiries have been deleted. 
If these inquiries can not be verified as legitimate, I ask that they be removed from my credit report, in compliance with the FCRA. Additionally, I request an updated copy of my credit report reflecting the removal of these inquiries. 

I have also filed a report with local law enforcement regarding potential identity theft, and I am actively working to resolve this matter. 
Please confirm receipt of this dispute and provide me with an update on the status of your investigation within the XXXX period as required by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history and demand that you investigate the accuracy of the accounts listed below : XXXX XXXX  account number : XXXX XXXX  XXXX. account number : XXXX Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 

Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of XXXX XXXX on-time payments. 

I expect to receive written documentation confirming the removal of these entries within XXXX days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. Here I leave XXXX Attachments as proof. 

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

WF PLL has done a hard inquiry on my credit file. I don't know who these people are and I have not signed nor accepted for them to do an inquiry on my credit file ( s )
Product: Credit reporting, credit repair services, or other personal consumer reports

First hawaiian bank is showing a late payment in XX/XX/XXXX / XX/XX/XXXX and I do not recall being late on auto loan. Being soo close to the drop off date I am requesting to see if they could kindly remove this remarks off my credit report
Product: Debt collection

Account in question : XXXX XXXX XXXX  This account is continuously reporting charge off XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. This is having a substantial effect of me date of last activity which will show me when this account falls off of my report. 
I have reported several times that this account is inaccurate and all they have done was send me a letter stating that the account was updated or that it was accurate which obviously it is not. I reported this account to Experian and it came back on XX/XX/2021, XX/XX/2021, and XX/XX/2021. After disputing this account 3 times this year and having nothing done to correct the issue, which you can see in the document that I have attached from Experian. 
At this point, I do not want to waste anymore of my time or money disputing this information because they have had 5 time to actually verify and fix this information which they have not done so at this point the only way to solve this issue is to just delete the account from my report and send me an updated copy of my credit report with this account deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries do not belong to me. These are fraudulent inquiries. I have disputed these multiple times with equifax with no results. These are the companies involved : XXXX XXXX XXXX Date Of Inquiry : XX/XX/2019 XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX