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

here are three issues One, I had a XXXX  XXXX  Account number XXXX opened XXXX of XXXX they closed my account they bullied me by doing this and not looking into the matter. They put a late payment on my account XX/XX/XXXX XXXX This was an error because I have always been set up from auto pay ) when the rep called me about I asked what happened to my auto pay they could never explain why it did not take out a payment. I immediately made a payment with them over the phone. they were never able to see why the auto pay was stopped even though my bank showed no error on their end there was also funds in my account. They rep fraudulently entered me into some type of repay contract which stopped me from being able to use the card ) I didn't know that was cutting me off from my card. I was never late ever with my card. I used this card with pride. I continued to pay my balance down to XXXX  they still would not let me use my card. Then on XX/XX/XXXX they closed my account. XXXX has ruined my reputation cause me to be denied for credit for a closed account and and false Late payment that was NOT from me doing anything wrong. this was a long running credit history with {$12000.00} line of credit that was taken from me without my authorization. They said they closed it due to a negative account from XXXX XXXX which leads me to my second issue. XXXX XXXX put an erroneous account, Account number XXXX on to my credit report which they had no permission from me to do so. I tried several times to get verifiable details to prove this account belongs to me and XXXX  have failed to provide anything with my signature or a sworn affidavit to prove they have validated this account to be truly mine. As you can see they have also ruined my reputation by putting this negative false account on my credit profile. I have tried several times to have this info removed by contacting XXXX, Equifax, and XXXX  to remove this unverified information they are all using their power to ignore my concern this bullying technique is not fair! This is hurting me mentally and financially. I am being rejected for credit because of this. Which brings me to my XXXX complaint. Lastly, these credit companies XXXX, Equifax, and XXXX are violating my rights by not providing the documentation they are suppose to have on file to prove accuracy of this XXXX XXXX account. I never gave anyone permission to add this to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this account, therefor i believe i am a victim of identity thief. I haven't received any money of services from this company.Please help me get this debt collector to investigate this account : TRANSWORLD SYSTEM INCXXXX XXXX XXXX XX/XX/2015 {$1400.00}
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit card or prepaid card

A overpayment on account prompted a credit balance refund check for {$490.00} on account, however check was never received and when I requested a stop payment on check it was denied. Since my account had double the amount of the credit balance I asked for it to be put back in account, however that was denied as well. I am now out {$490.00} and I'm asking for it to be put in my credit card account.
Product: Credit reporting

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Transunion. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within XXXX ( XXXX ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX  XXXX PA XXXX RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
XXXX. US DEPT ED Account number : XXXX XXXX. US DEPT ED Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 
Sincerely, 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 ( Bank ) XX/XX/202, XXXX XXXX ( Bank ) XX/XX/2021, XXXX  ( Bank ) XX/XX/2021, XXXX ( Bank ) XX/XX/2021 XXXX XXXX  ( Auto ) XX/XX/2021 XXXX XXXX XXXX ( Finance ) XX/XX/2021 XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/20XXXX XXXX XXXX ( Bank ) XX/XX/20XXXX XXXX XXXX ( Finance ) XX/XX/202 XXXX XXXX XXXX  ( Finance ) XX/XX/20XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2021 XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/2021 XXXX XXXX  ( Auto ) XX/XX/2021 XXXX XXXXXXXX ( Finance ) XX/XX/2021 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2021 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: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report because I need to rent an aparmet for move with my family and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : Account name : XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information listed in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not provided any written consent. I ask that the items kindly be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Im advance thank you for your assistance.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant XXXX and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Product: Debt collection

From XX/XX/XXXX to XX/XX/XXXX, I was co-owner of a XXXX XXXX XXXX in XXXX XXXX, NJ. XX/XX/XXXX, my then business-partner bought me out and effectively terminated any connection with the company. Around mid-XX/XX/XXXX, I received a phone call from Chase Bank saying that I owe them money on a business credit card. Upon my own investigation, it turned out that my ex-business partner continued to use my credentials for his benefit, and was using my name and other details for the business credit card. I found this very impossible since I did not physically leave the card with him and never authorized him as another user even while I was part of the company. I asked Chase Bank to mail me the credit card statements three times, once in XX/XX/XXXX,  once in XX/XX/XXXX, and once in XX/XX/XXXX - but never received any. I filed an Identity Theft Complaint with the FTC in XX/XX/XXXX. Between XX/XX/XXXX to XX/XX/XXXX, I kept on attempting to contact my former business partner until he gave me a copy of an AFFIDAVIT OF TRANSFER OF RESPONSIBILITY, which he had notarized. The said affidavit was notarized on XX/XX/XXXX and was supposedly mailed by my ex-business partner to Chase Bank. Between XX/XX/XXXX to mid-XX/XX/XXXX, I never received any updates from Chase, neither did my ex-business partner. Finally on the mid week of XX/XX/XXXX, Chase called me again and said that they are still waiting for payment on the credit card ( totaling over {$22000.00} ). I told the Chase rep that I had already filed an Identity Theft Complaint with FTC. I also asked them why I never received any billing statements when I requested for them. It turns out, my ex-business partner called Chase back in XX/XX/XXXX, just after the initial call, and changed the mailing address to his own - information that was relayed to me by the Chase agent. I checked my credit reports across XXXX, XXXX and XXXX and was surprised to see that Chase reported a lower balance online ( {$18.00}, xxx ) compared to the final bill ( over {$22000.00} ). I  finally received a simplified billing statement and not the detailed monthly statements I requested from Chase, around last week of XX/XX/XXXX. Chase never cooperated with my requests to 1 ) Immediately send me a billing statement so I could do my own investigation on the matter ; 2 ) cooperate in determining best course of action since what happened was clearly a case of Identity Theft. Chase also reported 2 completely different amounts that they want to collect from me- 1 ) {$18.00}, xxx reported on 3 credit bureaus, and 2 ) {$22.00}, xxx reflected on the bill they sent me, as well as being verbally confirmed by a Chase agent during the last phone call in XX/XX/XXXX.
Product: Credit card

XXXX XXXX day after XXXX XXXX checking account was hacked they contacted me I'm new to all this I don't know anything about this stuff they were basically they're fraud department was accusing me and treating me like dirt I was totally upset and devastated a little time went fine but the second week in XXXX I went up to my bank they said I couldn't handle anything there they called their fraud department from there for me they were basically accusing me again really not nice at all I asked me if I ever had a XXXX account which I never have and they said I have to contact XXXX and have them notify them that I never had an account with them I'm a nervous wreck I'm devastated {$1500.00} Stone I googled the number call them and they're like we got to get into your phone all this and had me go to XXXX stupid me what naive I don't know anything about it my ex-wife used to handle all this XXXX I'm a XXXX  and it had me by XXXX XXXX XXXX from XXXX and they got me for XXXX bucks but if Bank of America 's fraud department I believe we're doing their job they should have done that and I called and told the woman what happened another nice lady answered at the fraud department and said yeah when you XXXX  sometimes that it's a fake number into these fraud people now they know this and they just threw me to the wolves that's why I'm disputing this I don't think it was right but they won't do anything for me they said I bought them I got to eat it and that's basically what happened in short I appreciate your time thank you
Product: Debt collection

This has been reported on my credit report and this is illegal because the file from XXXX will verify that I did not have services from them. For whatever reason they have continued to negligent my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX until the month of XXXX of XXXX I have submitted multiple requests to have information verified and each time nothing happens. Please examine my documents I have put together that shows the credit bureaus incapability to assist me in the matter. 

As of XX/XX/XXXX I have received response from XXXX and Experian. Both companies are 100 % certain the investigation they conducted was thorough and fair. Attached will be a letter thoroughly explaining what information is wrong and from what accounts.
Product: Mortgage

Closed on new home purchase for primary residence in XXXX NC in XX/XX/2021. Prior to closing, provided evidence of flood insurance coverage in amount of {$140000.00} based on existing coverage amount with XXXX on the property. Penfed made no indication of necessary flood insurance coverage amount or that any necessary changes to coverage amount. Received a letter Dated XX/XX/2021 addressed from Penfed ( it is apparent the communication came from a 3rd party contracted to handle proof of insurance - however there is no indication of this in the letter which addresses it from " Insurance Service Center '' ). Letter states records indicate the property should have at least XXXX of flood insurance coverage .... the coverage amount must be at least equal to the lesser of : 1 ) loan balance, 2 ) replacement cost value of the building, XXXX ) or maximum amount of coverage available by the XXXX ( the maximum offered is {$250000.00} by XXXX ). 

The letter contains no indication of the replacement cost value of the building nor any consideration of how the appropriate amount of flood insurance was determined. Penfed contradicted the statements about determining appropriate coverage amount and defaulted to the maximum and most expensive allowable amount ( XXXX ) without any consideration or rationale. 

Between week of XX/XX/XXXX and XX/XX/XXXX I've made at least 15 calls, sent 5+ emails, spent 6+ hours trying to contact representatives of penfed and/or their 3rd party insurance verification vendor to share the replacement cost estimate performed by my Flood Insurance Agent that evidences a replacement cost of {$190000.00}. Penfed and their vendor have ignored my messages, bounced me between departments, disconnected my calls, promised manager callbacks within 24-48 hours that never occurred, and totally failed to consider my question and complaint related to appropriate insurance coverage despite every attempt to communicate that the maximum allowable flood insurance has not been appropriately considered or calculated. They have threatened forced place coverage without addressing my concern which risks impacted me financially and making my mortgage unaffordable. Penfed 's system for handling calls, questions, and complaints is totally insufficient and the use of a third party for critical mortgage servicing elements is damaging to their customers.
Product: Debt collection

I don't know who this company is, or who they are trying to reach, but I have told them repeatedly that they have the wrong number, and to stop calling me. They still continue to call me daily, multiple times a day. This is harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I contacted Experian credit reporting agency and informed them of a unauthorized inquiry ( XXXX XXXX ) being reported on my consumer report. I demanded them to remove the unauthorized inquiry failed to do so.
Product: Debt collection

Capital Accounts LLC : Repeated Phone Calls since XX/XX/2018, {$3200.00}. Called spouse and provided all details about the debt. Falsely reported information to XXXX, told to speak with the originator of the funds. Lied to spouse that interest is accruing. Calling cellphones with an automatic dialer, no message being left. Calling in the middle of the day when working or sleeping for work that night. Calling from different numbers every day. Reported to XXXX and XXXX, never provided social security number.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding XXXX XXXX XXXX  failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - 1st Dispute letter for credit file discrepancies/inaccurate information XXXX XXXX - RE : Request to provide Method of Verification XXXX XXXX - 3rd and Final Notice to Cure XXXX Experian -1st Dispute letter for credit file discrepancies/inaccurate information XXXX Experian - RE : Request to provide Method of Verification XXXX Experian - 3rd and Final Notice to Cure XXXX XXXX -1st Dispute letter for credit file discrepancies/inaccurate information XXXX XXXX - RE : Request to provide Method of Verification XXXX Transunion - 3rd and Final Notice to Cure The credit reporting agencies have failed to removed inaccurate address, phone and account information, including bankruptcies public record that were reported by a 3 party and not the original creditor, that is hindering my ability to conduct commerce and re-establish credit for housing and job opportunities including my spouse ( XXXX XXXX XXXX ) whom has given me authorization to dispute items on her report as well. ( See Complaint # XXXX / # XXXX / # XXXX )
Product: Credit reporting or other personal consumer reports

I am requesting and authorizing that the security freeze applied on my TransUnion credit report be lifted. As I have been a victim of Identity theft and I need changes to be made on my report to prevent further fraudulent activity and this has been negatively affecting my mental health and financial standing. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. I filed an FTC report as I was instructed to by TransUnion. I have sent in this report but these fraudulent items still remain.
Product: Mortgage

I have provided PHH Mortgage company with all documents pertaining to the passing of my mother. The documents included death certificate, executor of the estate, copy of the will, the deed to the home which is now in my name and my ID. They keep sending me letters stating that the research department is looking into everything but yet they also keep sending bills with added amounts. They were told in writing again ( as they have been told this several times ) not to pay the taxes on the home but yet again they have paid the taxes and added more fees to me. They have had the previous information for over a month. They lied in my previous complaint stating they never received a call from me when they were told repeatedly that there was no money coming into the household due to unemployment. Yet, they asked for feedback after I spoke with XXXX on XX/XX/XXXX, spoke with XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. I could continue but I'm sure you get my point. XX/XX/XXXX they sent the attached email stating they have been trying to reach the homeowner to discuss the mortgage which is a lie, the same lie they always tell. How can you be allegedly trying to reach me but at the same time sending letters ( dated XX/XX/XXXX ) stating that you acknowledge that you have received every correspondence that I have sent telling me who the account has been assigned to XXXX XXXX as my designated contact person if I have questions. Clearly the two contradict each other. This has been an ongoing thing with PHH Mortgage they have rejected payments in the past as well because it wasn't the amount they wanted and the foreclosure was on pause at that time. Now they are still adding fees while allegedly researching the situation