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

I called Equifax to remove unauthorized hard inquiries on my credit report. The representative refused to help me. I did not authorize the following hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I called the bank again, for the 5th time and asked for their fraud department. After 2 hours of transfers and over seas representatives who argued with me, I got a manager at the US call center that handles issues like this. 

Her name is XXXX at XXXX, dept XXXX, ext XXXX I sent her a copy of the letters from Capital One addressing the removal of the item that is not mine off of XXXX who has continued to re-report the item and keep it in dispute way beyond the FCRA 605B rules. 

The first letter was sent to me last XXXX by the executive offices in Virginia and I will enclose a copy of that too. 

She promised to fax me back a letter of removal confirmation and to make sure this time it is expedited. No reply yet.
Product: Credit card or prepaid card

{$300.00} payments made and posted to old/closed account in XX/XX/2022 I have sent them the statement numerous times showing the credit on the closed account. 
Numerous calls to customer service with no results. they can not see the old account! 
I want the {$300.00} applied to the open account. 
I do not understand what is so difficut.
Product: Credit reporting or other personal consumer reports

Hi my name XXXX XXXX it's with great will and due process of the law that this matter is resolved proply. 
My information had been exposed in a serval data breach and I've been a victim of identity theft thur credit one.Data breach by XXXX XXXX and XXXX source they are not adhering to the Fair Credit Reporting Act and I would like to file a FTC report .I 'm removing unwanted and unauthorized practices perform by XXXX parties credit reporting agencies XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, and XXXX..According to FCRA it's section 605B it's illegal to report anything on my credit report without my permission please remove any and all negative items and inquiries i didnt get anything out of them and incorrect personal information regarding me from my credit report..15USC 1681b credit reporting agencies are only allowed XXXX furnish consumers credit reports To those who have permission and I XXXX XXXX have not granted access/ permission..Please handle complaint and disupt within 4 business day ty..
Product: Credit reporting or other personal consumer reports

This letter serves as my final demand regarding the unresolved inaccuracies on my credit report. I have previously disputed the following accounts, yet no corrective action has been taken, and I have not received proper verification as required by the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect name on report as well as address.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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: Debt collection

Progressive Management Systems has been furnishing false and unauthorized information regarding an inaccurate debt of {$920.00} on my credit report. This third-party debt collector has consistently harassed me despite my repeated efforts to resolve the matter and correct the inaccuracies. The debt in question is not mine, and the continued reporting of this false information is a clear misrepresentation of Progressive Management Systems. I demand an immediate remedy, as this situation has caused undue stress and harm to my credit standing. To address the issue, I have already filed a police report, and I insist that all erroneous information be removed from my credit report without delay.
Product: Mortgage

Yesterday ( XX/XX/XXXX ) I received a Mortgage Statement from Bank of America. The mortgage payment is due XX/XX/XXXX. 

The mortgage statement contains a line that shows I have paid {$9200.00} in XXXX Property Tax Payments ( this is the only purpose for the Escrow account ). My total property tax bill for the year is {$9800.00}. Based on this, the Escrow account due should be {$650.00} for XXXX which would cover XXXX property tax liability in full. Bank of America is billing me {$1100.00} and shows an escrow balance of {$4300.00}. THIS IS NOT ACCURATE. 

My husband ( authorized to speak and transact on this account ) called Bank of America and spoke - after being told " the call may be recorded '' - with a XXXX Florida Supervisor by the name of XXXX XXXX. 

It was explained to the Supervisor that Bank of America is knowingly over billing us for the Escrow account. We explained to the supervisor that all property taxes have been paid on this account. There was no arrearage substantiating the amount on the bill. The supervisor recommended that we contact the previous servicer on this account ( note - this account was with Bank of America originally ; then transferred to another services ; then transferred back to Bank of America ). 

Bank of America is responsible for accurate record keeping when they assumed this account. The Escrow account used to pay Property Taxes has been part of the mortgage payment from the beginning. The account has and continues to be current. The supervisor stated that Bank of America is not in the practice of checking records to ensure accuracy for the consumer when mortgage accounts are transferred to them. Thus, she directs us to reach out to an entity that is no longer responsible for this loan. 

This is not an appropriate response for such a large and well known banking institution. 

We believe Bank of America continues to violate federal law by its conduct on this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

For three months ( since XX/XX/XXXX ) I have requested error corrections at the bureau level on my credit report with XXXX with no resolve. Transunion refuses to remove erroneous information that I was late - reported to my credit report and in fact I show that they have never even investigated this file. 
I received a stall letter however that everyone seems to have gotten that I know who has tried to fix their credit this year saying that they applaud me for my attempt to fix credit and they have ceased my investigations. 
There are erroneous student loan lates reported to my credit report and it has never been investigated. 

They ( transunion ) report me as closed since XXXX I don't believe based on how this reports should be there at all. Date last active is diff, date last reported.. 

Furthermore, XXXX reports payment activity on a closed account, and they just marked me as 120 days late in XXXX of XXXX! This isn't possible! it's a closed account. and experian reports nothing. it's a hot mess the laws clearly state it can not be on my report if it's not 100 % acurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Experian credit reporting about and issue with 4 outstanding credit notes on my report, all were disputed and claimed investigation pending? Both XXXX, and XXXX   were contacted several weeks later and were questioned on the status? And how could my score drop when court documents and XXXX  XXXX  were filed as Well? The answer I got was we don't investigate anything all we do is put the information from the credit card company in for information? So my next question was so you don't confirm anything they answered no. The managers name was XXXX and wouldn't give the last name but was in the fraud unit? He went onto state that Fico does the scores and not them? I then contacted Fico and questioned them on how does a dispute get handled? The manager stated that he doesn't do any investigation for fraud and he does is take what the credit companies submit but does not verify anything? So here all three company 's charge consumers for fraud protection but none do any investigations and only rely on what the credit card company submits? Nothing is confirmed at all through the courts or anything, but yet you are charged every step of the way.
Product: Debt collection

My identification documents were stolen out of my gym bag at a public gym. In addition, I was a victim of the XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent five letters to TransUnion disputing the bankruptcy and other negative fraudulent accounts on my credit report but Transunion keep sending me dispute results back saying that they verified the bankruptcy when XXXX  and XXXX deleted the bankruptcy and I sent Transunion proof of the bankruptcy being deleted and I sent them a letter from the bankruptcy court stating that they don't furnish information to third-parties and I also sent Transunion a letter from XXXX showing them that I had a security freeze on my XXXX credit report and they still say they verified the bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT CONTROL CORPORATION XX/XX/2022 I have disputed this accounts as they are collection agency collecting on a debt and I do not owe the debt to them as there are no contracts or agreements stating such. I have requested chains of ownership and have yet to be furnished with sufficient documentation. Please remove from my credit file immediately as this is affecting my livelihood
Product: Credit reporting or other personal consumer reports

I was alerted by my credit card with XXXX XXXX  that my credit score dropped XXXX points. When I checked to see why, I noticed that 6 different banks conducted credit checks on me, none of which I requested. They were all conducted on XX/XX/XXXX. I tried to contact XXXX  XXXX XXXX several times and was told by an automated recording that " due to extenuating circumstances we are unable to help you right now. '' I spoke to someone at XXXX  XXXX and they were unable to help me because I don't have an account with them ( that is part of the problem, why are they running a credit check on me if I don't have an account with them ). At that point I stopped trying to call banks because none of them would help me. I froze my credit on all three credit bureaus and asked for a fraud alert to be put on my account for a year. I need these fraudulent inquiries removed from my report so my credit score can go back up. I used to have excellent credit. 

To summarize, on XX/XX/XXXX, the following banks conducted unauthorized credit checks that were not requested by me : XXXX. " XXXX of XXXX '' XXXX. " XXXX XXXX NA '' XXXX. " XXXX XXXX XXXX '' XXXX. " XXXX XXXX '' XXXX. " XXXX XXXX  XXXX '' XXXX. " WFBNA CARD '' They all have a removal date of XX/XX/XXXX. 

Lastly, my personal information was compromised in a data breach from my employer this past spring. Yesterday I received a letter from XXXX XXXX  ( a company with which I have a credit card ) stating that they declined an application from me because they are concerned that someone is using my information fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I write this letter with deep concern and dissatisfaction regarding the responses provided by XXXX, Experian, and XXXX to my complaint. It is distressing to note that all three credit bureaus have failed to address the central issue raised in my initial complaint, revealing a lack of accountability and transparency in handling consumer complaints. 

As stated in my original complaint on XX/XX/2023, the core concern lies in XXXX XXXX XXXX  's failure to respond to a Debt Validation request within the mandated 30-day period. The supporting evidence of a certified mail receipt unequivocally proves the mailing and receipt of the validation letter. However, the credit bureaus ' responses exhibit a dismissive attitude towards this crucial matter, evading any meaningful acknowledgment of XXXX XXXX 's untimely response. 

I must express my strong disapproval of such responses, which not only demonstrate a lack of diligence and adherence to an unbiased investigation but also undermine the integrity of the credit reporting process. Consumers deserve proper and transparent handling of complaints, especially when it comes to issues that impact their financial well-being. 

In light of this, I demand that the response to my complaint be submitted on the public portal accessible to all consumers. This measure is crucial to prevent the credit bureaus from concealing their inadequate handling of complaints by mailing the response instead of posting it on the portal and to hold them accountable for their actions. 

Transparency and accountability are essential pillars in fostering trust between consumers and credit bureaus. By publicly acknowledging and rectifying the shortcomings in handling my complaint, you will demonstrate a commitment to improving your services and upholding fair practices. 

I expect this matter to be promptly addressed since the inadequacy of their responses to the XX/XX/2023 complaint should not be counted against me. The delay tactics should not be encouraged by allowing even more time after an inadequate response. Furthermore, all responses should be posted on the portal in addition to the mail. But mailing the response should not be a substitute for posting the results on the portal. 

Please be advised that should there be any further failure to address my concerns transparently and adequately, I will not hesitate to escalate this matter to relevant regulatory authorities and consumer advocacy groups up to and including legal action. 

Your immediate attention to this issue is expected and appreciated.
Product: Debt collection

I would like an update on the formal complaint that I wrote to you on XX/XX/2021 about seeking help resolving the problem that I am having with the collection company, CMRE Financial Services Inc.

The reason I would like this update is because I receive another letter from CMRE, the following week saying that the account was validated. This is a complete lie, I asked for validation as well as method of validation documents, I asked for the HPAA release ( along with other documents as proof of validation ) for that I supposedly signed saying that I consented to releasing my medical information to a third party mainly, CMRE.

CMRE Financial Services Inc is willfully acting in bad faith and lying to keep unverified negative accounts on my credit report. I have not received not 1 certified letter or even regular mail of the requested supporting documents I asked for under the FCBA. 
Please help me because I am trying to by a house. Its hard enough being a XXXX woman in XXXX as it is. I am not a bad person. I have never ever been arrested and all I want is to be treated fairly. I dont understand why that is so hard!!
Product: Debt collection

Paid card off, and late fee was added. Spoke to representative and she stated she removed late fee. Received no letter and stared receiving phone calls every day including Sunday and messages. Spoke with representatives and they were suppose to review phone call and next thing I knew in 2-days later receiving message from Debt Collection.
Product: Mortgage

In XX/XX/XXXX I filed bankruptcy. In XX/XX/XXXX my mortgage was sold to Dovenmuehle Mortgage Inc. I made my first mortgage payment to Dovenmuehle in XX/XX/XXXX. As of XX/XX/XXXX, I've paid my mortgage for each of the 29 months I was with Dovenmuehle. Each month was paid via check for a total of 29 checks thus far. In XX/XX/XXXX my bankruptcy was discharged from the court system. Shortly after my bankruptcy was discharged in  XX/XX/XXXX, Dovenmuehle sent me a letter stating that I was behind on my mortgage payments. After speaking to my bankruptcy lawyer, I was informed that Dovenmuehle did not submit the proper paperwork to the courts during the bankruptcy timeframe. Dovenmuehle states that they increased my mortgage during the bankruptcy process but they did not legally file this with the court, nor with my bankruptcy lawyer or myself. Dovenmuehle has been inaccurately harassing me since XX/XX/XXXX about missed payments and late charges for a mortgage increase that I was never informed of. On XX/XX/XXXX, I received a mortgage statement from Dovenmuehle via mail for the amount of {$2200.00}. That amount includes an overdue payment of {$1300.00}, plus {$200.00} for bankruptcy attorney fees, and a new/higher monthly mortgage of {$680.00}. For 29 months I've paid my mortgage of {$670.00} for every month via check and I have proof of payment from my bank. Dovenmuehle never informed me or the court system about an increase in mortgage nor about any overdue fees/charges. I was never contacted by Dovenmuehle regarding any increases to the mortgage but am now being harassed and threaten to be sent to collections for an unexplained overdue balance. My bankruptcy lawyer reviewed the terms of my bankruptcy case and determined that Dovenmuehle never submitted any documentation of any of these miscellaneous charges or increase in monthly mortgage payments to the courts. I am not responsible for paying for charges that were never legally communicated to me, my lawyer, or the courts and am requesting an investigation of this mortgage company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letters for the inaccurate accounts to be removed from my credit report on XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019. I am sick and tired of dealing with this inaccuracy. All I requested was physical proof which I know is the law per section 609 of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These account are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX XXXX supervisor at transunion XX/XX/2020 and elaborated to him that transunion was reporting an inquiry on my credit that I didnt authorize and I needed it removed he went on to tell me how he couldnt help me and told me me that I needed to contact the creditors I told them that I did by mail and phone they told me to contact transunion which I did at this point Im getting the run around and all I want is the inquiries I didnt authorize to be removed
Product: Vehicle loan or lease

My vehicle was totaled on XXXX/XXXX/XXXX I had full coverage and GAP insurance. On XXXX/XXXX/XXXX I was advised there is a balance of {$380.00} remaining on my loan. When the insurance company spoke with Capital One XXXX they were provided a 10 day payoff amount good thru XXXX. The payment was not received by Capital One XXXX until XXXX/XXXX/XXXX. Which incurred additional charges. After speaking with the XXXX XXXX XXXX XXXX she states Capital One XXXX did not provide the letter of guarantee until XXXX/XXXX/XXXX and was requested XXXX/XXXX/XXXX. Which caused the delay in the payment, causing additional charges. She also advised me that they should not have been charging me interest after they were notified the vehicle was totaled. She also told me to file this complaint. I do not have any money to pay a balance especially when I should not have a balance. This is no fault of mine in any way. I provided the needed information to all parties in a timely manner.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I made a one-time App purchase through the XXXX XXXX XXXX using PayPal as the source of the payment. XXXX XXXX XXXX asked which PayPal funding source I wanted to use. I specified a XXXX XXXX XXXX XXXX. The transaction went through with no error or other messages. I checked by PayPal account and instead of using the funding source specified, or even the preferred source, PayPal charged My XXXX XXXX XXXX Account that I use for business. 



I spent XXXX minutes on the phone with PayPal on XX/XX/XXXX after spending more than an hour on the evening of XX/XX/XXXX unsuccessfully trying to fix the problem using their website. At first, all three PayPal reps said that since the Debit card transaction was denied, they put the charge on my " most trusted '' funding source ( my business XXXX ). The last person I talked to, XXXX, an account manager, said it was XXXX XXXX  that selected the alternate funding source not PayPal, and I had to call XXXX [ I did try to call XXXX, but none of the 3 phone numbers I tried take you to a human being and I could not use the automated system because my issue was not on the allowed list of issues ]. After saying that PayPal considers acct XXXX the most trusted account, she said XXXX was able to see my various funding sources and selected a different funding source. 



There is a problem either way : either PayPal selected a different, non-preferred funding source without asking me if it was ok, or they allowed XXXX to pick a different funding source than the one I specified. If XXXX could not use the funding source I specified, I should have received an error message or a message asking me to change finding sources. 



With all 3 PayPal reps I emphasized how it was improper for me to have a XXXX Play charge on my Business Credit Card, but all three said there was nothing they could do to reverse the charge, even though XXXX showed it as still " pending. '' I told XXXX, if she did not reverse the charge and then use an authorized funding source to cover the amount, I would have no choice but to dispute the charge with XXXX as a XXXX Play charge could not stay on my Business credit card, and that I would contact you if appropriate. The charge is still pending, so I can't contact XXXX until it is final on Monday or Tuesday. 



I would rather PayPal undo their mistake and obtain the funds from an authorized source, but Pay Pal made it clear that there was no way that would ever happen, unless XXXX instigated the change ( but there is no way for me to get XXXX to do that ). 



I checked PayPal 's terms of service and I could not find any provision that allowed them to select an alternate funding source without permission. Whether it was PayPal or XXXX XXXX that changed the funding source, the action seems to be contrary to their communicated terms of service.