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

I am writing to bring to your attention the ongoing issues I've encountered with the inaccurate reporting of my personal information and inquiries by the three major credit bureausEquifax, XXXX, and XXXX. Specifically, my credit reports reflect incorrect or outdated names, addresses, and employment history. These inaccuracies not only misrepresent my personal data but also have the potential to negatively impact my credit standing and financial reputation. 

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 Equifax 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: Debt collection

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

I demand that the following account be verified or removed immediately : LVNV Funding LLC In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, tro o be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX I am not liable for this debt of late payments with XXXX XXXX. They are violating my rights to have late payments on my credit report. ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than order to avoid imposition of that finance charge.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$430.00} XXXX XXXX  - XXXX XXXX XX/XX/XXXX - {$200.00} XXXX XXXX  - XXXX - XX/XX/XXXX XXXX {$980.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$920.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Equifax responds that they can not find a file or that perhaps it is because I do not have open accounts, but I do have them these are my accounts XXXX. XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX
Product: Checking or savings account

On XX/XX/2022, {$2000.00} was stolen from my USBank checking account in a series of six transactions using XXXX Instant Transfer. I filed a fraud claim with USBank, but my bank failed to investigate properly and denied the claim. An appeal was subsequently denied as well after an equally ineffectual investigation. Multiple conversations with the bank during the course of these investigations clearly identified the fraud, but I was never able to get the actual investigator to call me, email me, or communicate with me in any way. This seems to me to be a very poor investigation method- to never talk with the affected party. 

This checking account had never been used previously for XXXX transfers in the 10+ years it had been in existence, and therefore these transactions were completely inconsistent with how this account had been used. Unfortunately, the account had been infiltrated by bad actors via a phishing message which is why they had our credentials and were able to steal our money. 

A police report has been filed and we have taken the extraordinary steps of closing all our bank accounts and creating new ones with new numbers and credentials. As anyone who has done this before can attest, this is a lengthy and difficult process which only further adds credibility to the fact that these transactions were indeed fraudulent. Thank you!
Product: Credit reporting

A tax Lien was reported improperly on my Transunion credit report by my counties tax assessor for non payment. The county says that they sent me notices for non payment but never did. The assessor says that they have no proof that any letters were sent and that the letters were not certified. The tax billhas been resolved since XX/XX/XXXX and no lien is reported to the state but shows on my credit file.
Product: Debt collection

PORTFOLIO RECOVERY re aged 2 accounts with XXXX XXXX showing they were opened in XX/XX/2018 this is fraud. They call multiple times a day claiming that I have a legal matter pending in their office and me or my attorney need to call them back. I have attempted to correct these items with XXXX, XXXX and Portfolio Recovery and they refuse to remove this false information from my credit report. The phone calls claiming to be an attorney continue from Portfolio Recover from various locations across the US. These calls are to my cellphone that is also on the do not call list.
Product: Bank account or service

CitiBank is due to pay {$400.00} bonus for a new checking account. This was expected XX/XX/2016 but was not credited. They claim they do not have a valid XXXX on file ; however, I have attempted multiple times to provide this documentation. At the time of account opening, via mail which was deemed not valid, and in a branch on XX/XX/2017. They cite the lack of a XXXX as the reason for not posting the {$400.00} bonus due to me per Case number : XXXX. A completed XXXX is attached to this request.
Product: Debt collection

Calling me for a debt that is owed by another individual. 2 calls within an hour on XX/XX/20 and multiple prior calls. I told them previously they are calling the wrong number.
Product: Credit reporting or other personal consumer reports

On Monday, XX/XX/year>, I received a text message from XXXX XXXX saying " thank you for sharing your phone number with us ... ''. I have never opened any accounts with XXXX XXXX, let alone visited their website, so I immediately called them to verify that no accounts had been opened using my information. They asked me to provide them with some information to check, which I did and the representative confirmed the information was current and forwarded me to fraud, which was really just an Experian robo call. My credit is usually frozen, but the robo call representative had me freeze my credit. This alarmed me that perhaps my credit was not frozen. I checked with all 3 major bureaus and my credit was indeed frozen, I had to call TransUnion to freeze my credit over the phone because I was having trouble logging into the website to check to see if it was frozen. I then proceeded to place an Initial Fraud Alert on my credit with all 3 major bureaus. I checked my credit reports on XXXX XXXX XXXX and no new inquiries were shown. 

XXXX XXXX XXXX I got a call from XXXX XXXX regarding " my account '' with them. I asked what account they were referring to and they said a XXXXXXXX XXXX store credit card. I now knew what my credit was being fraudulently used for. I informed them that I did not open this account and asked if they could close it. They said they would close it and would file a report to initiate an investigation, which would take 60-90 days. This put me on edge a little bit, especially because I RARELY go to XXXXXXXX XXXX unless I am dropping off my XXXX packages for returns. 

When I got home from work and line dancing that evening, I immediately went to check my credit report again for all 3 major bureaus. I finally was able to reset my password for TransUnion on my XXXX, their mobile website doesn't work apparently. Low and behold ... TransUnion showed not only 1 new inquiry I didn't recognize, but 2! An inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. It was too late to call, but I was stressing about it. 

This morning, XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX  and explained the whole identity theft situation. They told me an application was put in with a furniture store, the exact name was not disclosed and I didn't think to ask, and that it was pending and had not been approved. They cancelled the application for me and asked if I went by another name, to which I responded no because I never have. The representative informed me that my middle name was on the application and asked if I recognized it. As it is my middle name, I responded yes. The representative was very kind and filed a report to have the inquiry removed from my credit report and informed me it would take 60-90 days for it to be removed.
Product: Debt collection

I understand that errors can occur, but these mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. The other bureaus have already honored my request to remove the late dates and negative status of this account. However, your bureau is the only one that has not updated my payment history. I request that the late payment markings be updated to reflect my accurate payment history. I have identified the following errors in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Student loan

I currently have a loan with Discover Student loans. My initial loan amount was issued at {$43000.00}. I have been actively paying my loan for the past 12+ years. My interest rate is currently at 9.75 %. To date I have paid a total of {$51000.00} ( {$4900.00} principal, {$46000.00} interest ) and the loan balance remains at {$39000.00}. I have requested a decrease in the interest rate on 5 separate occasions in the past year with no support from Discover Student Loans. They will not agree to a decrease in the interest rate but recommend a decreased payment ( which ultimately covers less than interest ).
Product: Credit card

Good Morning, I have a Stein Mart credit card and last couple of Years they switch to Synchrony Bank and ther give me interest rate almost 50 % .Please if you can HELP me because i have filling thaht i never pay off.I am XXXX XXXX XXXX, XXXX with unemployment wife. 
Thank You
Product: Checking or savings account

My debit card was compromised and I was advised by bank that the card would be deactivated. I explained The only access I have to my checking account is through a debit card as I am in Louisiana and there are no PNC Branches in the state. On XX/XX/23 I paid {$25.00} to have the card expedited which would fast track delivery in 3 days. Ive made numerous calls to Pnc been given the runaround regarding when the card would be sent. I was told that the card was already in route on multiple occasions and the card still has not arrived. I dont have access to my money and need food, gas and to pay bills. The bank is either unable or unwilling to assist and I seek your help. I have a solution and I need the bank to assist in contacting a branch in Florida, and having the branch print a card and then overnight it to me. XXXX willing to pay the fee for the overnight delivery. Please help because XXXX Pnc is doing to me is absolutely abusive.
Product: Debt collection

On XX/XX/XXXX I received a notice that I had a new collection on my major credit reports from Medical Business Bureau. I initially thought this fraud because I am unaware of any unpaid medical bills in my name. I contacted the collection agency who informed me that XXXX XXXX XXXX  XXXX XXXX XXXX XXXX were charging me for a medical procedure I had in XX/XX/XXXX. They claim it is an unpaid balance from my insurance company. However, I never received any bills or calls from XXXX XXXX XXXX XXXX informing me of any debts owed. Its like they skipped contacting me for over 6 months just to send me to collections and try to ruin my credit. I think it is unfair and I want this collection removed from all my credit reports. All they had to do was contact me so that I could check with my insurance and pay if it was actually owed by this just seems fraudulent and misleading and I think this is an unfair practice.
Product: Debt collection

I recived a debit warning from Transworld Systens informing I own a debit to XXXX XXXX XXXX XXXX  - Second, amont US {$1700.00}. 

I never rented a car in this company, they spell my last nome wrong. There wans't another informations as a invoice, date, or anyelse infomation that could make this debit real. 

I saw a lot of reviews about this colector company send fake bills. 

I'm not a american resident, I'm a tourist who come twice a year to spend vacations. The attempt to collect a debit was mail to my vacation home. 

I'm attached the attempt collect debit. 

I dont know what to do. I apreciate some instrution about what to do. 

Regards XXXX
Product: Credit reporting or other personal consumer reports

I sent a hardship letter stating " I'm going through financial hardship and was a part of XXXX XXXX breach. I see where the item was charge-off from my credit report but I was never sent a 1099. Could please send me one. The way this account is reporting the account balance, acct number, the date of last payment doesn't look familiar, could you please delete this from my account immediately. According to 15usc1681i ( c-2 ) and 15usc1681 ( b ) '' This is a violation of the fair credit reporting act willful Non-compliance because you're neglecting the fact that I'm requesting something that under the law 15usc1681i ( a ) ( 6 ) ( b ) ( iii ) that I can request. 

No response from none of the creditors listed on my accounts. 

I have not supplied proof under the doctrine of estoppel by silence XXXX v XXXX '' is a statement that someone may use to deny the existence of an alleged debt. This item is charge-off on my credit report but creditor never sent me a 1099
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting Equifax AND XXXX XXXX XXXX by phone, certified mail and fax since XX/XX/XXXX regarding 5 hard inquires ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) I did not authorize XXXX XXXX XXXX to do. 

I did not authorize XXXX XXXX XXXX to do and they have not been removed from my Equifax Credit Report. 

XXXX XXXX XXXX mailed me a letter date XX/XX/XXXX that they have contacted Equifax to have the inquires removed. 

On Thursday XX/XX/XXXX I spoke with XXXX, XXXX XXXX XXXX Theft Identity Department Manager ( XXXX ; XXXX ) was informed XXXX XXXX XXXX has contacted Equifax multiple times from XX/XX/XXXX-XX/XX/XXXX to have the inquiries removed, but Equifax is not removing the inquiries and XXXX XXXX XXXX does not understand why.
Product: Checking or savings account

In XX/XX/XXXX 2018, two transactions from XXXX ( {$39.00} ) and XXXX ( XXXX ) were done in error and disputed by me with USAA. A provisional credit was issued and I thought they would investigate to resolve the issue fully. Shortly after, they reversed the credits claiming they needed more information. I provided this information from XXXX and XXXX to no avail. This was the first time I was told that documents were not received through their app portal. Eventually, XXXX reversed the charge, but I'm still waiting on the XXXX transaction, although XXXX sent me an email stating to dispute it with my bank, which I also submitted to USAA. 

In XX/XX/XXXX 2018, funds were debited from my checking account in the amount of {$200.00} for XXXX XXXX. I did not notice this until the following month. Knowing I no longer had an account with XXXX since XX/XX/XXXX2018 and the balance of {$70.00} ( +/- ) was paid off in XX/XX/XXXX 2018, I knew I did not owe them {$200.00}. I contacted USAA once again to resolve this issue after XXXX told me to contact my bank. I was offered the provisional credit only to have them say they need more information. I provided this information by way of XXXX and also did a conference call with XXXX XXXX USAA, which also was rendered fruitless, as USAA did not acknowledge the information provided by XXXX. USAA decided to reverse the provisional credit on XX/XX/XXXX and also charged me {$29.00} for a NSF. Days later, I noticed another {$60.00} charge from XXXX but have not bothered to dispute it because of previous actions from USAA. 

In total, USAA has taken {$320.00} from my account without my consent and has yet to resolve this issue fairly.
Product: Money transfer, virtual currency, or money service

29 days ago ( XX/XX/XXXX ) I sent XXXX EUR via SEPA transfer to Coinbase however these funds are still not in my Coinbase account. In previous experience it has taken 1 to 2 days to arrive. I have provided the evidence of this transfer to Coinbase but no response from anyone at Coinbase since XX/XX/XXXX ( 24 days ago ).
Product: Mortgage

Ocwen is reporting me late to the credit bureaus even though I 'm using their bimonthly service. For example, payments will be received timely by Ocwen, but they do not post them timely. Most recently, I received a default letter from Ocwen, when my payment is current. I 've called Ocwen before about this, and was told numerous times, that I was n't being reported late to the credit bureaus. In my opinion, Ocwen does n't know how to handle a bi-monthly payment - they are holding funds in the suspense account w/out applying them in a timely fashion. I want my credit report corrected to show that I have had no late payments with Ocwen since XXXX, XXXX. They are reporting me late for XXXX, XXXX and for XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to equifax to remove inquiries that I did not approve I had a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that wasnt done which violates my rights as a consumer. I reached out to them several times to advise that my credit is being pulled ithout my permission and they advised me they couldnt remove them along with the incorrect names and addresses.
Product: Credit card or prepaid card

On XX/XX/23 I received a call on my cell from XXXX. They claimed to be from Target and asked to speak with my husband XXXX XXXX. When I replied that I was his wife they asked for his number. I thought that seemed suspicious that they were asking for me and not my husband so instead I asked for their number so he could call them back. When I initially googled the number it said high fraud alert so I didn't do any more digging. They called again on XX/XX/23 and left a voicemail. On Saturday I received a Target credit card in the mail, but I have never applied for one. I called Target on Sunday and they put a freeze on it and told me to call the 3 credit agencies. They told me one charge had been made so far, but they did not tell me the amount. I'm guessing it's under {$100.00} because the paperwork with the card says Temporary Credit Limit : {$100.00}. I found out later that the initial calls were really from Target to ensure I wanted a credit card opened with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report via XXXX, and it looks like JPMCB recently checked a copy of my personal credit report. I am not doing any personal business with the company and the inquiry should be removed from my credit report immediately. I also do not personally have any type of account with JPMCB. 

The inquiry is dated XX/XX/2022. 

Please remove immediately. 

I chatted with both companies. JPMCB redirected me to XXXX and XXXX redirected me to JPMCB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to buy a house as a mother I was denied and then realized negative accounts causing damage on my credit report. I recently filed a police report regarding the issue and I have submit an affidavit listing the account.
Product: Vehicle loan or lease

I paid my Truist loan in full on XX/XX/XXXX, the electronic lien has not been released no one can rectify the problem. It has been over 2 weeks, the car is already sold and I need the title b/c the car is being shipped overseas and Truist has not gotten me the lien or pay off letter. I have tried repeatedly to contact them with hold times exceeding 2 hours. Again, they have not even released the lien with the State of Pennsylvania and I am unable to rectify the problem.
Product: Debt collection

Remove the fraudulent accounts from my credit file within the required timeframe, as mandated by FCRA. This is a final warning : If the listed accounts are not blocked or removed, legal action will be taken, and my attorney is ready to ensure accountability for your noncompliance. DEPT OF EDUCATIONXXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00}, DEPT OF EDUCATION/XXXX XXXX Date Open : XXXX  XX/XX/XXXX Balance : {$0.00}, DEPT OF EDUCATIONXXXX XXXX Date Open : XXXX  XX/XX/XXXX Balance : {$0.00}, DEPT OF EDUCATION/XXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00}, DEPT OF EDUCATIONXXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00}, DEPT OF EDUCATIONXXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00}, and DEPT OF EDUCATION/XXXX  XXXX Date Open : XX/XX/XXXX Balance : {$0.00}.