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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Re : Request for Removal of Charge-Off Account Account : XXXX  Account Number : [ XXXX ] Dear Sir/Madam, I am writing to formally dispute the accuracy of the information being reported on my credit report under the account listed above. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq., I am exercising my rights under federal law to challenge the validity and completeness of this account 's reporting.

Under Section 15 USC 1681i ( 7 ), credit reporting agencies are obligated to provide a detailed description of the investigation they conduct within 15 days of receiving a consumer 's dispute. Therefore, I request that you initiate a thorough investigation into this account 's history and provide me with the following information : 1. The Original Creditor 's Verification : Please verify the accuracy of the reported information with the original creditor, including the date of first delinquency and the accuracy of the balance owed. 
2. The Date of First Delinquency : According to my records, the date of first delinquency and subsequent charge-off may have been reported inaccurately. Please confirm this date, as it is critical in determining the reporting period.

3. Verification of Account Status : The current status of this account appears inconsistent across the various credit reporting agencies. Specifically : o TransUnion reports the account as Charged off as bad debt with a derogatory rating and mentions Dispute resolved ; customer disagrees. 
o XXXX reports Subscriber reports dispute resolved - consumer disagrees, noting an unpaid balance reported as a loss. 
o XXXX lists the account as Amount in high credit original charge-off amount and mentions Consumer disputes after resolution.

4. Inconsistent Payment Histories : The payment history reported by TransUnion, XXXX, and XXXX varies significantly, reflecting discrepancies that cast doubt on the accuracy of the account information. 
Given these inconsistencies, I believe that this charge-off account may not be reported accurately or in full compliance with the FCRA. Therefore, I am requesting that this account be removed from my credit report immediately, or that you provide conclusive evidence to support the continued reporting of this account.

If you are unable to verify the accuracy of this account, I expect you to remove it from my credit report within the legally mandated 30-day period. Additionally, please provide me with a copy of the detailed investigation report as required by Section 15 USC 1681i ( 7 ).

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of your receipt of this dispute and the results of your investigation. 
Sincerely, XXXX XXXX XXXX XXXX XXXX : XX/XX/1985 SSN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wasnt aware of debt, showed up on credit report when trying to get an apartment, call the company and paid the account in full XX/XX/2020. Creditor advised me that my account will be updated, credit report wasnt updated advised credit bureaus no resolution there as well.
Product: Credit reporting or other personal consumer reports

To whom it may concern, My issue is that there are a lot of inquiries that are on my credit report in which I did not request credit from the creditors.. I am asking that these inquiries be removed from my credit report because they were ran in error or they belong to someone else or they were ran fraudulently Thank you I am also sending an attachment of my FTC report with the same complaint as well XXXX XXXX
Product: Bank account or service

I had closed an account with Bank of America well over a year ago. Yes, this is after I was late on a payment but I need then to take the late payment off my credit report I paid them back. However its shows that I was closed and shows its still unpaid in bad standing!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that are reporting on my Credit Report : ( XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2020 )
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had erroneous reports on an account that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account : XXXX XXXX XXXX : {$260000.00}
Product: Mortgage

I assisted my sister-in-law with a gift of funds to refinance her home after my brother died. The lender sold the loan to PennyMac. Since the close of the loan in XX/XX/2021, I have received all the emails sent from PennyMac Loan Servicing referencing my sister-in-law 's name with loan and escrow information. I have called on 5 different occasions to get the correction made. Today 's call with XXXX, the rep that answered, is my last attempt at getting a simple correction made to information that was given incorrectly. When she didn't understand the explanation twice, I suggested she escalate the call. I was put on hold twice while she escalated, but never transferred to anyone that might have a better understanding of the issue, I hung up after a 17 minute call to nowhere. I attempted to provide her with my sister-in-law 's email and she indicated I have to have the borrower call to make the change. It is not a change. It is a correction and the borrower 's information should not be sent to someone not authorized to receive it. On two of the previous calls the reps took the information for the correct email, but obviously never made or submitted the change. I have attached the most recent email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just got my credit report from my mortgage lender and noticed a few errors reporting to my credit file
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX date of birth XX/XX/XXXX contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the transunion credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent innacurate and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX  under the account number XXXX, another personal credit card opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, another personal account opened at FIRST XXXX BANK on XX/XX/XXXX under the account number XXXX, and also a XXXX XXXX opened on XX/XX/XXXX under the XXXX number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX. I've attached a list of the hard inquiries in question as well as the copy of the identity theft affidavit as proof from the XXXX Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a statement I placed at all 3credit bureaus to be removed on XX/XX/2021. XXXX  and XXXX  removed the statement immediately. Equifax was difficult to get in touch with a human without going through a computerized verification. Then you have to supply the human the same data before they will speak with you. Instead of removing the statement, they opened an investigation. I called today XXXX XX/XX/2021 XXXX to have this investigation closed as it is a red flag to the mortgage lender I am using to purchase a home. I had to enter my personal information twice into the computerized system then again to a human who then also sent me a link to take pictures of my DL and a selfie but the system did not work. Then they refused to speak to me because they are stating I have a minimum monthly credit card payment, which I do not have a minimum monthly credit card charge. I was transferred to a " supervisor '' who again asked for all the same information. Then she told me the statement was removed but the system has not closed the investigation and she could not tell me when the investigation would be closed. She kept insisting that there is no open investigation, yet there clearly is an open investigation when I log into my Equifax account. This process is holding me back from purchasing a home. The other XXXX bureaus removed the statement the same day. I do not understand why Equifax needs 30 days to close out completed work assignments. I additionally feel that they are the reason for many of my data breaches and having to cancel my debt card for fraudulent activity.
Product: Credit reporting or other personal consumer reports

XXXX XXXX IS REPORTING MY ACCOUNT INCORRECTLY. THE ACCOUNT OPENED IN XXXX AND THE BALANCE REPORTED ( {$XXXX} ) IS WRONG. I HAD A XXXX BALANCE AT THE TIME IN XXXX AND DID NOT EXCEED THE CREDIT LINE OF {$XXXX}. THE INCORRECT REPORTING REDUCED MY XXXX XXXX XXXX POINTS. 

REQUESTING XXXX  XXXX TO FIX THE DETAILS IMMEDIATELY ON MY TRANSUNION AND XXXX REPORTS
Product: Credit reporting, credit repair services, or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed TransUnion is in multiple violations and I am entitled to monetary compensation under FCRA 15 U.S Code 1681s-2.

I would like to be removed and compensation paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account Number # XXXX XXXX XXXX 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

In XXXX of XXXX I had XXXX at XXXX XXXX XXXX XXXX. Before my XXXX my insurance agent and I looked through my benefits to see what my responsibility would be and there was a maximum out-of-pocket expense of {$1000.00}. I had complications from the XXXX and ended up back in the hospital ( another {$1000.00} out of pocket ) and had a long recovery. After I recovered I looked at my bill and it showed I owed close to {$4000.00}. I called the hospital to inquire about my bill and was told that my lab work was sent to a lab outside my network so I had to pay for them as they weren't covered by my insurance. That didn't make any sense to me as I had no control over what lab my blood work was sent to. I was also told that my account had gone to collections so the hospital couldn't do anything. I never received any mail or phone calls from a collection agency. It's possible that they contacted me at first but I haven't heard anything from them for years. I assumed that the incorrect billing was fixed, re-submitted to my insurance company and paid. 
Recently I was refinancing my house and saw my credit report and saw that these charges were not only still on my report but that they've been charging me interest. I called Progressive Management to inquire about the debt and told them I'd be happy to pay the {$2000.00} that I owed. They said they couldn't negotiate with me or do anything because the hospital owned the account. This, after the hospital told me they couldn't do anything because it went to a collection agency. 
The charges are all from Progressive Management : {$790.00}, placed for collection XX/XX/XXXX XXXX originally {$550.00} XXXX {$3600.00}, placed for collection XX/XX/XXXX XXXX originally {$2500.00} XXXX {$940.00}, placed for collection XX/XX/XXXX XXXX originally {$670.00} XXXX So what started as incorrect billing in the amount of {$3800.00} is now ( with interest XXXX {$5300.00}.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I went to my bank ( XXXX XXXX, XXXX WI to send money to JP Morgan Chase Bank, XXXX MD. My bank said it wouldn't go until next day. On XX/XX/2021 Late in the day I called bank to say I think this was a fraud case.I was told to call receiving bank and talk to their fraud people. I did call and talked to them and said i believe this was a fraud sale that I sent money too. They said they would note the account that this deposit coming was possible fraud. They also told me at the time I called the money was pending. I asked if they could hold funds that I sent so my bank could recall money next morning. They would not do that but would note the account. On XX/XX/2021 My bank filed a recall of funds into Chase Bank and have not heard back from them as of yet. In the meantime the people with the auction company said they would refund money I sent and should have it in two or three days. Nothing yet two weeks later. The auction site stopped answering call and took down the website. I feel that Chase has done nothing but help these people get away with my {$28000.00}. I think that Chase should be charged with something for not doing anything after myself and my bank called and told them this was fraud. Please help!
Product: Debt collection

Amount per credit report {$2200.00} -COLLECTION MANAGEMENT - I have never heard of this company nor have I ever done business with them. I have not received anything in the mail in regard to this allege debt and have no knowledge of it. I received an alert that there was a change to credit and this account was placed on my report with my knowledge nor consent. I am very aware of that before any accounts can be placed on my report it has to be investigated and this account was not investigated by neither the credit reporting agency nor the debt buyer. I sent a debt validation letter to COLLECTION MANAGEMENT and have not heard anything back this far. I am requesting that false account be removed immediately. Furthermore, this is violation of my rights to privacy, accuracy and my XXXX. I have NEVER signed or received any documents from this company stating that they were going to furnish negative information to my consumer report as it is written that before anything that would negatively. I have never given this company my non public information nor have I done business with this company. I have requested that this allege unfair practicing company by the name of COLLECTION MANAGEMENT provide me the original purchase agreement, my certified written consent and disclosures they have on file their license number so I can confirm there company is legally able to collect in my state and this company has refused to respond to my request. I need this account removed from my account and for all lines of communication to cease and desist at this very moment.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiries on my credit report were not authorized by me. I have contacted the companies and XXXX several times via telephone and/or by mail requesting proof of my signature based on the FCRA only to receive a canned response and no proof of my signature. 

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX Retail Card XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

This occurred on XX/XX/XXXX for the amount of {$48.00}. 

I submitted the payment through the automated service but didn't receive a confirmation number, I am now being advised that the payment has been marked late.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : 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 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: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

BANK OF AMERICA XXXX
Product: Credit reporting or other personal consumer reports

Trans union / XXXX XXXX XXXX reporting different and inaccurate in formation of XXXX XXXX XXXX  account OPEN '' DATES are all different REPORTING, Trans union reporting open date as XX/XX/2018, XXXX is reporting open date as XX/XX/2018 and XXXX reporting XX/XX/2018, this is a violation of the FCRA accuracy and fair reporting also all dates of last activity and dates of last payments are all different
Product: Debt collection

Repeated cold robocalls from an out-of-state debt collector that uses different company names and phone numbers from day to day. For example see my previous complaint to you, your case number XXXX. 

They do not give the name of the person they are calling or the name of the person calling, nor any other details. I do not have any new or old debts, so these calls are fake. There are many complaints posted on the Internet by people who have received these calls for years now. The volume of complaints indicates they are making thousands of such calls all over the U.S. in attempts to scare people into paying for debts they do not owe.
Product: Mortgage

Good morning. 
I recently applied for a conventional mortgage with XXXX XXXX XXXX XXXX XXXX XXXX and have been rejected both times for reasons that violate bankruptcy laws. In addition to the bankruptcy laws it is a clear violation against my rights, reporting laws & contempt of court. Due to my physical condition it has impacted me seriously both emotionally and physically as well as financially. 

As a result of my medical condition, I had to file bankruptcy in 2008 which was discharged in XXXX of 2008 in NJ XXXX, XXXX. 

Wells Fargo was listed as a creditor for a {$250000.00} mortgage. 
Wells has reported the loan again on my credit report. I have spent hours in conversation and being jumped around from department to department, letters/emails have been written proving my case to have it removed and still yet Wells Fargo refuses to take the report off my credit. 

I am opening a case against Wells Fargo under Fair Credit Reporting Act as well as pursuing remedy for the financial impact. 

I bring this to your attention because it is another clear violation of the law and their willingness to continue this practice only reinforces the face that the recent judgement against Wells ( XXXX XXXX DOJ ) was not effective
Product: Credit reporting

I disputed information that was on my credit report that is not reporting accurately. Experian stated that the outcome of their investigation is that the Bankruptcy remains on my credit report. I called the courts which was the US Bankruptcy Court-XXXX and they informed that they do not verify or validate with the Credit Bureaus. I would like this information removed off my Experian report of the improper sharing by the credit reporting company. Experian could not provide me with copies of any documentation associated with this account with validation, bearing my signature as requested within the 30 days as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ).
Product: Mortgage

I started a refi with XXXX & they had Freedom Mortgage as the banker, I had a credit score of XXXX 6 months ago, with Freedom Mortgage and XXXX telling me for the last 4 months that they were closing and not to pay debt, made my credit score go down. I want to know how a Bank like Freedom Mortgage can lag and cause my score to go down, Also I would like to know how a mortgage Broker XXXX can lag a refi for 6 months, I was having my home taxes impounded and now they are refusing the loan. I must of signed at least XXXX redisclosures with Freedom. I will make up my late payments but I want to know if this place can be sued for damages that they have caused. How can they do this on a FHA Loan to make it drag on?
Product: Credit card

I consistently make timely payments. I am confident about this. What I'm uncertain about is why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing errors should be rectified, or else they will owe me {$1000.00} for each account reporting inaccurately.
Product: Credit card or prepaid card

I have a line of credit, /credit card with HSBC . I lost my credit card XX/XX/2023. I called to speak to a customer service representative to report the card post. I spoke with a representative to review a list of charges before sending me a new card. I lost my card XX/XX/XXXX. When the respresentation went to review the summary of charges they found that for XXXX from XXXX XXXX was charged on my card which I did not authorize on XX/XX/2023. ( XXXX  days after it was noted that my card was lost which was XX/XX/2023. HSBC initially went through with my fraud claim, but later rejected.This is my 1st fraud claim with HSBC. I have not ever made CC charges with the XXXX XXXX merchant in the past. The unauthorized fraud charge of XXXX from XXXX XXXX is back and still on my HSBC CC account.