23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is incorrect on my credit report. My employer name is incorrect. The addresses listed on my credit report is false and must be deleted.
Product: Debt collection

My name is XXXX XXXX. I filed bankruptcy in XX/XX/2019, with a final discharge order granted in XX/XX/2019 XXXX : XXXX in XXXX, NY. I have received repeated collections calls from Sunrise Credit Services, XXXX XXXX XXXX XXXX, XXXX, NY XXXX, ( XXXX ) XXXX regarding a debt with XXXX USA XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. This debt was discharged through bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit scores in my XXXX account. Ive recently paid off two auto loans, and a motor home loan. Ive also limited new credit card spending as I am working hard to pay off my debt soon. Ive never missed a payment, no bankruptcy, nothing negative on my record. Equifax dropped my score over 60 points because I payed off those loans ... and all I have is my mortgage and credit card debt. The other agencies did not drop. I am also paying off my credit cards in lowest balance order. I contacted Equifax, and they told me they could not tell me why my score dropped and sent me to a debt management agency. I want to know why I am being penalized for paying off my debt, and pay my bills as agreed?
Product: Debt collection

I owe kay jewlers XXXX $ on a XXXX $ card and am XXXX payments behind because my girl isnt working right now since she had a XXXX and kay jewlers calls me about 10 times a day even after XXXX and they also keep calling my boss and many of my family members telling everyone they speak to all of my personal information i have spoken to XXXX supervisors telling them that they cant do this and they still continue to do so soon i will be going to the store and flipping out if this continues my boss is very angry with me and my family is very nosey they should not be doing this its my card not everybody i know to be involved
Product: Mortgage

I applied fr a Modification with USBank they purposely drag it out, years it was long US bank keep asking me fr the same paper work over and over.i was trying remove my mom fr the Account US bank had me go pay fr a quick claim Deed An would not do it. They stop taking my mortgage said it 's in a loss mitigation they kept stringing me along they waited in till there was a new president and executive order was signed and they denied my modification I do n't know they did Denied it I called the end of   XXXX   to check on the status that 's when I was told they never gave me the chance to appeal their decision they filed foreclosure right away they have done all the paperwork with the judge he signed off on taking my house and the only way they 'll allow me to keep my house I have to pay {$38000.00} not what I/O they have n't sent me the paperwork it is sitting in courts filed With the judge they never gave me a chance so all they 're waiting on is to just put me on the street I lost my job I got on employment for three months form I started working in  XXXX  of last year I 've been saving my mortgage payment The bank and the judge use you the court system to Railroad me and take my house please can you help me my home has about {$30000.00} in damages it needs a new roof from the hurricane last year that Home has a lot of problems because of the   XXXX   XXXX   messed up the house they build it fast and nothing was done properly and when I bought my home it was a abandon for over five years The previous owner flood the house took out all the like inside all the kitchen cabinets bathroom it was vandalized by them and they really did not give me a fair opportunity they just want me gone
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent personal information correction correspondence to XXXX, XXXX, and Experian to update my credit profile and they yet continue to violate my consumer rights. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy
Product: Checking or savings account

On XXXX, XX/XX/2022, my husband and I received a call from XXXX XXXX, or so we thought. The person/company used a XXXX XXXX XXXX ID number which made us believe we were really speaking with a XXXX representative XXXX The party advised us that they had sent us a certified letter regarding our account dues and that we were needing to pay for the replacement of our meter. If we did not make payment immediately, the technician was on their way to our home and we would be without services until Monday. We ended up paying them {$3700.00} ( {$440.00} ; {$1400.00} ; {$990.00} ; {$390.00} ; and {$390.00} ) before realizing it was a scam. The initial {$390.00} and {$990.00} were supposed to be deposits that would be returned to us by XXXX. While my husband was making the last XXXX transfer I was calling XXXX to confirm to which the true XXXX representative advised it was a scam and that several other customers were scammed into making payments. 
We immediately called JP Morgan Chase bank to stop the funds and were directed to their fraud department. We did not receive a letter from Chase bank denying us any adjustment to our funds until XX/XX/2022 by letter dated XX/XX/XXXX. We made numerous inquiries over the course of that time period with Chase bank via telephone and in-person and were pushed back with a " letter is coming '' response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one closed my account after i lost my credit cards in XX/XX/2022. I could not log into my account and when i called i was told that i had to wait for a letter in the mail to get my balance to pay. I asked they why they closed my account they said because they could not long have a relationship with me based off their company standards. So i waited for the letter but in the mean while they were reporting me late when i was never late to begin with. I called to settle the debit with one exception that they fix the late payments. I explained what happen again and they said they would send me a letter. 2 months later i get a letter saying that i was late. I don't understand how i could be late on closed account?? does that even make sense. this is affecting my credit and i need this fixed. i have disputed several times and request verification and never get anything. 

Reporting late on XXXX XX/XX/2022 to XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, AFNI added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold, and I am no longer responsible for this account. ANFNI did not verify this collection and there was no written form of communication, contract or written signature for this accused debt at all. A bill without a written signature does not validate the debt. Anyone can send me a bill and say it belongs to me. AFNI also doesn't have a signature or contract agreement for this bill. Furthermore, according to FCRA, AFNI has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Mortgage

I began meeting with Bank of America 's mortgage loan officer, XXXX XXXX on XXXX XXXX back in XXXX, It has been a constant XXXX calling her and her never returning my calls. She has all my information and the customer service Bank of America gives is absolutely horrible. A common courtesy call saying she can not help me is something I believe you need to teach your customer service. I have also spoken with XXXX the branch manager who promises me I will get a call back but that does not happen. I am very dissatisfied with Bank of America and am sorry they hold my mortgage. I believe XXXX XXXX should realize how these people are representing the company.
Product: Mortgage

My mortgage has essentially doubled since GreenTree/Ditech purchased it in Mid XX/XX/XXXX. From approx {$1100.00} to approx. {$2000.00}. 
Instead of conducting escrow analysis yearly they have done it XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. Without time for my escrow to build, my mortgage payment continues to skyrocket. 
I had an escrow shortage notice of approx $ XXXX. In XX/XX/XXXX, I called to have account noted that I would pay off escrow by mid XX/XX/XXXX. 
I specifically mailed the 3 payments of $ XXXX to the escrow account payment address NOT the mortgage payment address. Why even have seperate addresses? 
However, todate only 1 payment was credited to escrow. 1 is held in unapplied funds. 1 is still unaccounted for. Each payment specified escrow shortage payment. 
After requesting they rerun my escrow on my primary home account so I know my new XX/XX/XXXX payment, it still shows {$2000.00} despite escrow shortage being satisfied. 
On my other mortgage, my request to discontinue escrow was denied based on having a negative escrow which had already been satisfied. 
I was told it was their error and to go online to resubmit. Ironically when I went online that functionally was no longer available. 
Their business practices are dubious and inconsistent.
Product: Mortgage

I pay mortgage on XX/XX/XXXX for XXXX for the month of XXXX they said i should have pay XXXX in XXXX if you look at my new Escrow payment it said that my new payment started in XX/XX/XXXX XXXX that because they never deduct XXXX dollar that they took out for Escrow started at XX/XX/XXXX and the new Escrow payment of {$810.00} that I pay off on XX/XX/XXXX they never deduct the {$67.00} from my Escrow my new mortgage payment should be XXXX not XXXX they are only making me late on my mortgage because of this
Product: Debt collection

The debt collection agency " Receivables Management Systems '' in XXXX, VA at XXXX attempted to collect a debt from medical fees. The only bill I have received included only a total balance, account #, and contact information for the company. No information was indicated as pertinent to dispute, nor was a right to dispute included. Nor was information sufficient to validate the amount of the debt provided - specifically, I requested an itemized bill so that I could verify individual charges before I agreed to the total, and they have refused to provide an itemized bill. It has been several weeks since I requested that information.
Product: Debt collection

Credence Resource Management LLC reached out to me earlier this year ( around XXXX or XXXX ) claiming to be a debt collection agency contacting me regarding a $ XXXX debt with XXXX  XXXX. I reached out to Credence on XX/XX/year>2024 asking for the following XXXX items and allowing them 30 days to produce them : 1. A copy of the original contract SIGNED BY ME where I agreed to pay the alleged balance. 
2. Payment history I have with the original creditor 3. Proof of debt assignment I received a letter today ( XX/XX/year>2024 ) from Credence that was dated for XX/XX/year>2024 that only stated their investigation verified valid charges on " my '' account. They've already negatively impacted my credit on XXXX. Their refusal to acknowledge the right afforded me and other consumers under the Fair Debt Collection Practices Act to have PROOF of their right to collect from me convinces me that they're a scam.
Product: Checking or savings account

I personally met with IRS yesterday ( on XX/XX/2023 ) and IRS is asking the Fifthird Bank to provide proof that IRS was requesting the fund {$7000.00} to return to IRS, Which is stated in the third Paragrap of Fifthird bank letter dated on XX/XX/XXXX XXXX, stated ( Please be aware, we received notice from the Internal Revenue Service ( IRS ) that several checks that were deposited into your account ending in XXXX, were invalid and the IRS was requesting the funds be returned. The hold was placed on your account, by our Bank Protection Department, and funds returned to the IRS for {$7000.00} ) I attached the original letter. 
Please be advised as soon as possible. 
Thanks XXXX XXXX
Product: Prepaid card

I have {$16.00} remaining on an American Express gift card which I have been unable to spend anywhere. I have repeatedly tried to use it for XXXX purchases with no success, and today ( XX/XX/23 ) I tried to use it to pay a medical bill. The purchases are always declined.
Product: Credit reporting or other personal consumer reports

Blocked from obtaining credit report, blocked from accessing service to access information entirely, blocked from using dispute filing or all other online services options, no response to requests to remove incorrect debt and collection amounts, such as incorrect credit card debt displaying and blocked from request to correct my credit.
Product: Mortgage

My Wells Fargo Mortgage number is XXXX and my name is XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, VA. In XXXX 2017, I applied for a credit card with Wells Fargo online and was told I would be receiving a letter by mail with the decision. On XXXX XXXX, 2017 I received a letter stating my application was denied because my well Fargo mortgage was foreclosed. Yes, I do have a Wells Fargo mortgage but I have never been In Forecloser or faced for closer. I can be reached at XXXX or by email XXXXXXXXXXXX Thanks
Product: Credit reporting or other personal consumer reports

Request for Verification and Removal of Account from Credit Profile Dear Experian Team, I am writing to formally request that you investigate and remove an inaccurate item from my credit profile. I, XXXX XXXX, have made several attempts to contact the creditor, XXXX, regarding this matter and have requested verification and proof of the account. However, my requests remain unanswered. Therefore, I am seeking your assistance in this matter. 
As per my rights under the Fair Debt Collection Practices Act ( F.D.C.P.A. ), I humbly request that your agency provide valid proof of claim that I am legally obligated to pay the alleged debt. Additionally, I am requesting the following : The amount you claim I owe. 
An explanation showing how the amount was computed. 
Copies of any documents that prove I agreed to pay the alleged amount. 
The identity of the original creditor. 
Confirmation that the account has not exceeded the statute of limitations ( SOL ) period. 
Evidence that XXXX is a licensed debt collector. 
Evidence of XXXX  license numbers and registered agent. 
Additionally, I request that you remove any outdated or unreachable addresses and phone numbers from my credit profile. Please ensure that my name is updated to reflect the only name I go by, which is XXXX XXXX. 
Please be informed that if your agency or the creditor you represent has reported unverified account information to any of the major credit bureaus ( XXXX, XXXX, Experian ), it constitutes a fraudulent action under both federal and state laws. If any negative item related to this account remains on my credit report without proper validation, I will be compelled to take legal action for the following violations : Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the Fair Debt Collection Practices Act ( F.D.C.P.A. ) Defamation of character Unauthorized use of my copyrighted property I urge you to review and resolve this matter promptly. Please confirm in writing once the disputed item has been removed from my credit profile. 
Thank you for your attention to this matter. I look forward to your prompt response. If you require additional information, I can be reached at XXXX or XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, [ Account Number : XXXX ] I am writing to formally request the deletion of the above-referenced collection account with LVNV Funding LLC from my credit report. It has come to my attention that LVNV Funding LLC has obtained and furnished my consumer report without my explicit authorization, thereby violating several provisions of the Fair Credit Reporting Act ( FCRA ).

The specific violations are as follows : Violation of Permissible Purpose ( Section 604 ( a ) of the FCRA, 15 U.S.C. 1681b ( a ) ) : LVNV Funding LLC has failed to obtain my explicit authorization to access or furnish my consumer report for any permissible purpose as defined within Section 604 ( a ). This section outlines the specific circumstances under which a consumer report may be obtained, none of which apply to the actions of LVNV Funding LLC in this instance. 

Certification of Permissible Purpose ( Section 604 ( f ) of the FCRA, 15 U.S.C. 1681b ( f ) ) : Pursuant to Section 604 ( f ), LVNV Funding LLC is explicitly prohibited from obtaining consumer reports for purposes other than those explicitly authorized in Section 604 ( a ). Furthermore, LVNV Funding LLC has neglected to certify truthfully that it is obtaining the consumer report for a permissible purpose, as required by Section 604 ( b ).

Misuse of Consumer Report ( Section 604 ( a ) ( 3 ) of the FCRA, 15 U.S.C. 1681b ( a ) ( 3 ) ) : LVNV Funding LLC has utilized my consumer report for purposes not permitted under the FCRA. The only permissible purposes outlined in this section include instances such as the evaluation of credit applications, account review, and similar lawful purposes which were not applicable in this case. 

Given these clear violations of the FCRA, I demand that LVNV Funding LLC promptly delete the collection account associated with [ Account Number : XXXX ] from my credit report. Furthermore, I require that you provide me with any and all documentation that proves the existence of a contract between myself and LVNV Funding LLC that would justify the permissible purpose for obtaining my consumer report. In the absence of such documentation, the collection account must be removed immediately. 

Please confirm in writing once this deletion has been executed and ensure that all pertinent credit reporting agencies are duly notified of the deletion. 

Failure to comply with this request will leave me with no choice but to pursue further legal action to enforce my rights under the FCRA. 

Thank you for your immediate attention to this matter.
Product: Checking or savings account

On XX/XX/2023, I deposited a government check ( IRS tax refund ) for the amount of {$59000.00}. I was advised by the teller that it could take 7-10 days to clear the check. 

Knowing I have bills coming out automatically, I deposited {$800.00} in cash to cover my bills. The next day I could not access my account. Truait blocked my entire account. I was told to wait until everything clears. 

After several attempts to try to have truist release my funds, I was told that they can't do anything until and just have to wait. 

How long can the bank put my account on hold?
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

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

-- CLOSED ACCOUNT -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

This is my SECOND NOTICE that I'm DISPUTING inaccurate personal information found on my credit report. The following information is NOT ME and I have NO RELATIONSHIP to it. Please remove the following information from my credit report immediately- If you continue to report inaccurate information I will be filing a lawsuit for wilful noncompliance to FCRA regulations. 

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

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX Account XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.