23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2021, XXXX XXXX sent XXXX refunds of {$260.00} each through XXXX to my credit card at Chase Bank. Unfortunately, that credit card had been closed and purged. Also unfortunately, Chase Bank did not reject the funds immediately. They held the funds until XX/XX/XXXX and sent them back to a bank account. Because of the delay, the funds were not connected to me in any way. For months, I have tried to get XXXX XXXX and XXXX to check to see if the reference numbers in the attached document from Chase Bank hit their bank account. So far, both XXXX XXXX and XXXX say they do not have my money. During discussions with customer support in both organizations, I have learned that XXXX XXXX uses a Chase XXXX bank account and XXXX uses a XXXX XXXX account. If Chase Bank would tell me which bank received the funds on XX/XX/XXXX, then I would be able to focus my efforts on getting the correct company to research their accounts. I have attached a copy of a message from Chase Bank in which they gave me reference numbers for the deposits on XX/XX/XXXX. I have also attached a copy of information about the refunds that went through XXXX on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The company has not removed information from there report, XXXX, equifax and XXXX. They are sharing information that was never consented to its release from the beginning by written consent
Product: Credit reporting or other personal consumer reports

I was reviewing my credit profile and noticed inaccuracies and fraudulent activities on my credit profile. In my FTC identity theft report, I list all the accounts that are unfamiliar to me and I never gave consent or authorization to open these accounts or inquiries. I have no idea how my private information was obtained to open these accounts or inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention an issue with my mortgagee that has resulted in an incorrect mark on my credit report. Recently, I noticed a discrepancy in my credit report indicating a late payment on my mortgage account. 

Upon further investigation, I discovered that the late fee was associated with an escrow shortage that occurred after I paid my mortgage. Unfortunately, when I called customer service they could not explain what the charge was and said that my account was current. When the subsequent late charges and the increase in {$75.00} appeared in XX/XX/XXXX I believed it was the same error ; as there was no confirmation on my statement that my mortgage payment had increased due to an adjustment in escrow and I did not receive a notice about the escrow shortage. To my dismay a similar increase occurred in XX/XX/XXXX. However, this time I received a written notice well before the XXXX payment increase was billed. 

Had I been made aware that my XXXX mortgage payment increased before the XXXX charges, I would have promptly paid the correct amount. I understand the importance of timely a nd accurate payments, and I want to ensure that my credit report reflects my commitment to meeting all financial obligations. 

After reaching out to ServiceMac , LLC unsuccessfully, I kindly request your assistance in rectifying this matter and help advocating for the removal of the late payment mark from my credit report since they held my payment in suspense and I was not notified before the charges that there was an escrow shortage. I immediately settled {$75.00} when I discovered the issue, and I want to maintain the positive credit standing I have worked hard to achieve. 

I appreciate any assistance you can provide and your understanding of the confusion that occurred during the transfer of my mortgage to XXXX and subsequent charges that werent explained to me. 

Thank you for your time. I look forward to a prompt resolution to ensure the accuracy of my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has been violating my consumer rights for several months now. I have been writing and communicating with this company for remedy but they are proving to be negligent. 

As per FCRA and 15 USC 1681 a and b : it states " ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

I, the consumer demand an updated and corrected account status on my credit from XXXX XXXX XXXX or complete removal of the account. 

By law, a " CHARGE OFF '' is considered a Certificate of Indebtedness which in other words defines as income, income can not be reported to credit report ; it must be removed.

Furthermore, as per 15 USC 6802 the law states " ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

XXXX XXXX XXXX did not communicate with me in doing such fraudulent violations.
Product: Credit reporting or other personal consumer reports

I am deeply worried about the wrong inquiries attached on my account, I want you to make an action regarding this misinformation that you have given on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX transferred my Student Loans to XXXX in XX/XX/2022. I noticed on my credit in XXXX that XXXX continues to show my loan as open/active with over a $ XXXX balance. I now have TWO student loans balances owed ( XXXX ) on my credit report!! I contacted XXXX and they would not speak to me and the recording said for me to contact XXXX. I contacted XXXX and they said I had to dispute my credit report. 

I disputed both Equifax and XXXX and both results came back as account active and will not remove close/remove XXXX from my account. I have since been denied credit as a result of this exorbitant loan balance and my debt to income ratio has been impacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2020, I disputed several collection items, XXXX  XXXX  Account # XXXX for {$75.00} and XXXX  XXXX- Account # XXXX for {$230.00}, with TransUnion and XXXX  . as of today, XXXX XXXX, 2020, I have not received any response from either of the 2 bureaus. Also In the Dispute letter I included the proper documentation to have the investigation started I also sent a 30-day non-response dispute letter to both bureaus XXXX of 2020 and I have not received any contact back about my dispute. I'm contacting the CFPB to help me with this issue to remove these Unverified collection items because of the Fair Credit Reporting Act that states 30 days of no investigation response and the item should have been deleted or verified. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A CAPITAL ONE CREDIT CARD THAT WAS PAID ON TIME AND IS SHOWING A 30 DAY LATE ON MY CREDIT REPORT FOR THE MONTH OF XX/XX/XXXX. I MADE TWO PAYMENTS ONE FROM MY ONLINE BILL PAY AND THE OTHER ON CAPITAL ONE CREDIT CARD BILLING SITE. THE ONE I MADE ON CAPITAL ONE SITE WAS ACCOUNTED FOR THE ONE THOUGH BY BILL PAY WAS NOT AND THIS IS THE ONE THAT RESULTED IN A 30 DAY LATE. CAPITAL ONE REP STATED THAT THIS WOULD BE CLEARED BUT I HAVE NOT RECEIVED ANYTHING IN WRITING STATING THIS FACT.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2100.00} XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$590.00} XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$350.00} **these late payments need to be removed** XXXX XXXX  Balance {$1300.00}
Product: Debt collection

In or around XX/XX/XXXX, I received notice from the National Credit Systems , Inc, that I owed a debt to Ascent at XXXX XXXX in the amount of {$1200.00}. I repeatedly made attempts to contact management about a notice that was left on my door, in which I told them I didn't understand, in which the notice was about resigning my lease, but they never answered the phone, nor were they in the office, which is around when Covid hit. On my lease it states that i should have given a 60 day notice, in which I linked up with management at and was allowed by XXXX XXXX, to give a 30 day notice. XXXX XXXX gave me a notice to vacate, she crossed out the 60 day part, and wrote 30 day notice, she also filled in the rest of the form and wrote, As of XX/XX/XXXX XXXX XXXX does not owe any more money to XXXX of XXXX, my lease was due to expire on XX/XX/XXXX. As they feel like the lease is a signed contract, I feel like the notice to vacate is a signed legal document also. XXXX XXXX chose to void the contract, and now wants to hold me accountable over a year later. I moved, and placed these apts as my previous residence, because I knew I left in good standing. They are trying to charge me for damages without proof, cleaning fee, in which I cleaned unit myself, and a lease termination. Had XXXX XXXX not agreed to honor the 30 day notice, I would simply have stayed in the unit and allowed myself time to present a 60 day notice, or I could have signed on to lease from month to month. XXXX XXXX refused to walk the unit the day of signing the notice to vacate, again because of covid, now they wan na come with made up charges. I have XXXX XXXX XXXX of XXXX XXXX XXXX for oven 15 years, I am not a nasty person. I cleaned that unit because I knew I wanted my deposit returned. I can also prove through their work order system, that the only damages to that unit, was because negligence on the maintenance staff, in which due to repeated flooding inside the wall and under the sink, the bottom of the cabinet collasped, and was full of mold. A square was cut out in the wall to access the leak, and was never repaired the entire time I lived in the unit. I feel as though, if I owed and money, it should have been noted in the Notice To Vacate, not when my new apartments contact you, when Im trying to move over a year later.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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.
Product: Debt collection

On XXXX XXXX, 2015, I received a phone call - purportedly from Portfolio Recovery Associates ( PRA ) - telling me that my wife owed them {$650.00}. I denied that assertion. The caller asked for the last XXXX digits of my wife 's social security number. Having no evidence about who was calling, I refused, and I asked that the claim be mailed to me. The reply was that the claim had already been mailed to me. I denied that. At some point during the conversation, I asked where the claim had been mailed, and the PRA rep gave me an address that was not ours. 

The PRA rep refused to agree to mail me the claim, and declared she was marking this claim as disputed. She said I had to respond to their Disputes Department within a certain time period ( I do n't remember how long ). I asked to speak with someone in the Disputes Department. After a considerable delay, I was able to speak with a Disputes Department rep, who said I had to email or mail my dispute about the claim before they would give me any more information about it. She gave me an address and an email address. This entire conversation, or rather confrontation, wasted more than XXXX minutes of my time. I do not see why I should have to respond in writing to a verbal charge by an unknown accuser, attacking with an unknown accusation. 

The same day, XXXX XXXX, I emailed and mailed my response which I will attach to this complaint ( although the left upper corner reads XXXX/XXXX/2015, that is the date of my re-printing of the email, which was sent XXXX XXXX ). 

Yesterday I received a letter from PRA ( also attached hereto ) dated XXXX XXXX, showing a debt owed by XXXX XXXX XXXX, with a social security number ending in XXXX. My wife 's name is XXXX XXXX XXXX, and there is no " XXXX '' whatsoever in her name. There never has been. Her social security number does not end in XXXX. 

From the beginning, PRA was attempting to collect a debt from us when they knew our address did not match the one they had. And they initially refused to give me any information about the debt or the debtor until I took the action of disputing the claim. 

Once I did take that action ( giving them our address, which they did not have until they received my disputation letter ), and they knew for a fact that the name of the debtor did not match my wife 's name, they continued to try to collect the debt. 

This is not a case of identity theft. It is a case of wanton disregard of identity FACTS by PRA. 

I am responding to PRA 's letter with the attached letter, but because I am not providing them with answers to many intrusive identity questions to which they have no right to an answer, I fear they will continue to hound my wife and me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not reporting any of my open accounts, despite numerous written letters and disputes. I need a supervisor to look into this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reviewed my credit report and noticed the following inaccurate items. 

The accounts below are not mine : XXXX XXXX  Account Number : XXXX Account Opened : XX/XX/2023 Account Balance : {$140.00} Account Status : Unpaid
Product: Credit reporting, credit repair services, or other personal consumer reports

all I am trying to do is access my Equifax credit since the breech I have been unable to access it I have been calling Equifax for 7 days straight 2 to 3 hours a day calls gets answered overseas by staff have no knowledge no care about united states consumer I pay them for membership {$12.00} month to protect my credit I am trying to lease a vehicle and due to the fact my credit is locked I am unable to do the purchase Equifax unable to unlock my credit it is frustrating calling daily and no help specially when you have your call answered by a person overseas who would care less I am amazed as big of a country as we are we have people overseas handle our sensitive information It has to be someone I can contact or write to who would listen I have attorneys work for me I will be glad to file a law suit against Equifax I can be reached at XXXX
Product: Debt collection

A XXXX XXXX left me a voicemail that he did n't know why I do n't return my important phone calls and I needed to call right away. When I called him i told him that I had just had XXXX XXXX and was not able to get to the phone he asked me to verify myself I told him my birthday he told me that I was in default and needed to pay because my loan was in a collection agency. I told him I had just graduated and was told that would n't happen until 6 months after I graduated. He said he had me graduating a year prior. I told him he was not correct. I told him that I was starting XXXX XXXX and was under the impression that my school loans would be differed. He said not for private loans. I said I have only got loans through the school. He said they had sent me letters about my loan payments and He asked me to verify my address I said my address is updated with the loan company so I am not sure why they do n't have the correct one. He gave me an address that I had never lived at. I told him that I would call into my school loan agency and get it resolved. I told him that when I completed XXXX XXXX I was going to do the program to rid of my loans after working for a XXXX XXXX for 10 years. He told me if I did n't make a payment then it was going to ruin my credit. I told him I already had bad credit because of my ex husband that I was not working because I just gave XXXX XXXX XXXX XXXX and I would look into it. When I called into check they said all my accounts were in good standing and differed. Then number they are calling me from is XXXX
Product: Credit reporting or other personal consumer reports

I leased the vehicle from XXXX XXXX XXXX in XXXX. XXXX XXXX XXXX was charging me property tax on my vehicle that I did not owe I put in an abatement back in XX/XX/XXXX they never sent it in. I was in touch with corporate in touch with everybody from the escalation team, you name it from XXXX XXXX XXXX. Back in XX/XX/XXXX. I made my car payment as I always do 40 days after that I was getting credit alerts that I was delinquent. I was over 40 days late. It turned out that they allocated my car payment for paying for taxes again that I did not owe. In the interim, my credit has suffered tremendously immediately my credit score dropped XXXX points and its been a domino effect ever since I have credit cards that now reduce their credit limits anywhere from {$8000.00} credit limit down to {$1200.00}. Ive had credit cards just simply closed their accounts on me and they are still not rectify the situation. I need this off my credit report and I need them to compensate me for the damages that they have done.
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX I called to give my payment to XXXX XXXX. They accepted the payment and told me it went through. 30 days later they tell me I have a late payments and that the payments was never processed for 65 .

In accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 section 6 o 2 states I have rights to privacy 15 usc 1681 section 6 o 4 a section 2 its also state a consumer reporting agency can not furnish an account without my written instructions under 15 uscs 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose