23daVinci/CFPB_Complaints huggingface dataset:
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 

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

I am writing to formally dispute a hard inquiry that appears on my credit report. Upon reviewing my credit report, I noticed an inquiry listed under my name that I do not recognize nor authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit and I have so many account errors. The accounts I have no knowledge of and have no knowledge of the debt. I sent in letters to the creditors and contacted them as well to let them know that this was n't my debt and also to ask them to remove them. I asked if they could send me the original paperwork because I know it is illegal for these companies to report these accounts on my credit report if they know it is n't my debt and I did n't sign for these accounts. I hope to resolve this so I do n't have to take legal action. The accounts are not mine nor is the debt. I have no knowledge of this debt.   XXXX   XXXX   XXXX   and  XXXX  is listed  XXXX  separate times and none of the accounts are mine.   XXXX   XXXX   XXXX   is also listed. This is not my debt and I have no knowledge of it.   XXXX   XXXX   is listed, this is not my debt and I have no knowledge of it.   XXXX   XXXX   XXXX   is listed. I have no debt with this company and have no knowledge of it.   XXXX   XXXX   is listed and I have knowledge of this debt. It does not belong to me. I have reached out to these companies asking for help. there is no balance on the accounts but they will not remove them from my Reports. I have told these debtors that this is n't my debt and that they should work with me to remove them but they wo n't. Please help me in resolving this issue as I only want my name cleared of debt that I had nothing to do with obtaining. Thank you.
Product: Credit reporting or other personal consumer reports

LexisNexis has incorrect data on my name for Homeowner insurance policy with XXXX which belongs to my father from XXXX. The claims are showing under my name. The house and deed these claims belong to are not mine. This is affecting my ability to purchase my first home due to multiple insurance rejecting me home coverage because of the claims on this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXX XXXX Balance : {$54.00} ; XXXX XXXX XXXX Balance : {$84.00} ; XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$330.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/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 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 card or prepaid card

On XX/XX/XXXX, we had reservations to stay at the XXXXXXXX XXXX XXXX XXXX. Upon arriving at the XXXX XXXX, they had XXXX room left, which smells like bleach and the plumbing did not work properly. We informed the staff they provide us with a plunger and the drain still did not work properly. We decided to go to another XXXX location the XXXX XXXX ( {$320.00} ) in XXXX XXXXXXXX XXXX due to almost all hotels were booked. 

It was late when we arrived at the XXXX XXXX. When we woke up in the morning, we noticed that the room did not have the accommodations that XXXX said they provided and the bathroom lights do not work. Upon leaving we left our charge. We called back within about an hour or XXXX to be informed that our charger was not in the room which we know we left. 

The following week we called the XXXX to inform them of our experience, and was advised that the case will be open. We requested to have half of our money refunded to us based on the quality of service that we received. We never received the case number, any additional information pertaining to our complaint, therefore I filed a dispute with Wells Fargo. I provided Wells Fargo all the above information. I was informed on Friday of last week that my dispute was denied. I was informed by the representative that we stay there, and that I will not be refunded for the stay. I found the Wells Fargo agent that I did not want to complete refund because we did actually stay there. We only requested half of our stay based on the quality of service. The agent for me at the time that they thought that the dispute was for the full amount, and that they will escalate that the prior agent did not notate that the dispute was for the quality of service and not a full refund. The the agent, apologize and stated that that was on them, and they XXXX need to eat the cost and provide me the funds from a dispute. Today I receive a call from XXXX and XXXX informed me that I stayed at the XXXX XXXX and I will not be receiving a refund due to that this is against Visas policies. I informed them both that I was not advised of this information on none of the calls when I filed my dispute or when I received a call last week for my dispute to be escalated. I am not in agreement with these findings and not happy that I was misinformed by multiple agents at Wells Fargo. I would like to receive a refund and amount of a half of a cost to stay at XXXX XXXX due I was misinformed by XXXX XXXX agent multiple times and I spend multiple minutes and hours on the phone with a dispute that would not be honored. This information should have been provided to me on the first phone call.
Product: Credit card or prepaid card

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX with no successful resolution. XXXX, XXXX   and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item ( XXXX ) listed below still remain 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.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

Section 616 and Section 617 provide me with remedy which Im about to seek. You are willful noncomplying with the FCRA.

Since you claim youve verified the account ( s ) listed below I wanted to confirm my thoughts and contacted the companies directly. Not one of them provided me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$24.00}, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$360.00}, XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$890.00}.
Product: Mortgage

Homepoint is unfairly charging me {$130.00} for forced placed insurance coverage. On XX/XX/XXXX I mailed a copy of the my XXXX renewal to Home Point. On XX/XX/XXXX I received a letter requesting proof of coverage. I uploaded and faxed proof on XX/XX/XXXX. On XX/XX/XXXX I received a letter saying wind coverage is required. ( XXXXXXXX XXXX, who sold the loan to Homepoint, did not require wind coverage ). I purchased new coverage including wind effective XX/XX/XXXX. 

I complied with Homepoint 's request within 24 hours I will not pay for forced placed coverage as the delay was on the part of Home Point Mortgage. Had Homepoint notified me in a timely manner there would be no issue.
Product: Credit reporting

I have been working tirelessly on repairing my credit history independently and with a reputable credit repair company over the past year. Recently I was to the point where all of the inquiries that were reflected on my Transunion credit report was deleted. When I reviewed my report all on Monday all the inquiries returned out of no where. I tried contacting the credit bureau and had to wait on hold for over an hour and 30 minutes. I have yet to get through to someone to resolve this issue. Due to my work I can not stay on the phone for long periods of time. I have also put this inquiry in writing to them. I was never advised in writing via email or snail mail that these inquiries would reappear and from what I have learned this is in violation of the FCRA SEC 611rules. I would like to this matter looked into from all venues until it is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Another individual 's address and related credit information have been wrongly associated with me. This was incorrectly reported to my record on XX/XX/XXXX. I have been wrongfully associated with individuals with similar names and dates of birth from the county of XXXX since XX/XX/XXXX. That is the first time information has been wrongfully associated with my record and has only been repeated as I was associated with another individual after that and again in this instance but related to my credit. I have already appeared in court on XX/XX/XXXX to clear this mistake but it seems like it has not been completely fixed yet as I am still being associated with this incorrect information tied to my record. After a dispute that was issued on XX/XX/XXXX, the disputed item was removed from my credit report which was XXXX XXXX XXXX, reporting a balance of {$4200.00}. But it appears that the information has not been completely corrected yet as they keep referring to me with the wrong name.
Product: Debt collection

This has been an ongoing issue with Amerifinancial for acct # XXXX {$1100.00} acct # XXXX also {$1100.00} I have repeatedly advised you this account doesnt belong to me yet your still reporting it. I even took the time out of my schedule to mail you my affidavit and your still reporting this account. For purposes for record Ive attached a copy of a return receipt indicating that this letter was received and signed for on XX/XX/22 please remove this account from my profile immediately
Product: Credit card or prepaid card

I have had a block on my card that the company refuses to lift or replace the card since XX/XX/XXXX. 

I have called the company several times, they refuse to send me a new credit card nor unblock the one I have. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

collection agency : FMS INC is a fraudulent account that is reporting on my XXXX credit report. 
Collection amount : {$150.00} assigned XXXX statue date XX/XX/22
Product: Checking or savings account

I somebody took {$3000.00} out my account and I have never got it back
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to Experian with the last being sent on XX/XX/XXXX.I have asked that the following inquiries be verified as authorized by me.

XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account VANDERBILT MORTGAGE which has been deleted by XXXX and XXXX XXXX  and XXXX have both completed their research and determined that VANDERBILT MORTGAGE was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit card

For XXXX XXXX XXXXXXXX, I booked a hotel ( XXXX  XXXX ) in XXXX XXXX on XXXX through the Bank of America website and using the Bank of America credit card. The reason I did this is because there was a 20 % discount advertised on the BofA website. 
I fulfilled all the conditions listed and yet did not receive the discount. 

Billing details : Transaction date - XXXX. Transaction amount - {$340.00}. 
I submitted a claim with the credit card company ( BofA ). They initially said I didnt have to pay the disputed amount ( {$78.00} ). However, 6 weeks later, they charged me the disputed amount again. 

I have called them several times but they refuse to resolve the issue.
Product: Debt collection

I XXXX XXXX am in a very difficult financial situation, and I have consulted with a bankruptcy attorney to get direction. It is my decision to avoid filing bankruptcy unless absolutely necessary. Therefore, I am taking an approach that I would consider a Chapter XXXX or Chapter XXXX alternative. Accordingly, I am no longer going to make monthly payments on my excessive credit card debt. I know that over the next 180-days my accounts will reach the legal standard where they will charge-off. Therefore, I want to put on notice with my various creditors the following criteria : 1 ) I request a fully cease and desist from all calls to my home number or cell number immediately. 
2 ) Upon transfer of my accounts either to a debt collector or a debt buyer, I still demand my rights under the Fair Debt Collection Practices Act be enforced, and that the cease and desist request be honored upon transfer. 
3 ) I demand all settlement offers be send through the US Postal Service  or to my email address stipulated in the CFPB complaint. 
Please adhere to my request under my right with the Fair Debt Collection Practices Act. 
XXXX XXXX
Product: Debt collection

This company is Convergent Who collects third party debts, they repeatedly calls my husbands phone, which is a work phone number. I called them back on my private line, said they were asking for my son. I know he's owed a XXXX bill, but he is XXXX and is unable to work, at the moment. I demand PER the FDCA, that the phone calls be stopped INSTANTANEOUSLY!!! they don't leave a message when they call either. This number is my husband 's BUSINESS PHONE NUMBER. So LEGALLY you do NOT have the right to contact my husband 's job, for my son 's bill!!! You will be getting a cease & disest letter in the mail, if you keep contacting that business line. I will sue you for harassment. 

.
Product: Debt collection

My card was stolen used and then fraudulent payments were made to exceed the credit limit. Chase has denied the fraud by stating in attached letter - " We reviewed your account and determined its valid. Heres what we found during our review : We received payments on this account that were in your name and business name '' The above reflects Chase has the information how payments were made by me but can not give me the information regarding the fraudulent payments made in 2017 by the thief. Chase states in attached letters : " We are not able to send the information you requested. We understand that you had questions about payments that were made on the account in 2017. You requested additional information about the payments and the person making the payments. We are not able to provide that information based on our privacy policy. '' Chase is holding me liable but refuses to supply payment information by the thief on my card that Chase is holding me liable for. Unbelievable! This is totally void of common sense. Does Chase believe the thief will sue them for divulging how the thief sold? 
Then Chase continues in another letter stating " The claim should be handled as a civil matter directly between you and the known third party to recover the funds. '' SUMMARY - Chase knows how I made payments on my card that they hold me liable yet refuses to give me the fraudulent payment information MADE ON MY CARD reflecting the name of the thief and then informs me this is a civil case between myself and somebody else they refuse to divulge and tells me good luck???? This doesn't make any sense. Chase protects the thief and affords thieves more rights than their own customers. Chase has now acknowledged in their letters that someone else made payments that bounced and refuses to give me the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently incarcerated from year XXXX XXXX XXXX upon my release i tried filing taxes for stimulus help, however the person who stole all my personal info filed taxes in my name etc He actually confessed he did it. Your not coming home what you care for He owns a Tax Service in XXXX. ( XXXX XXXX XXXX ) He did that XXXX stuff etc. I noticed my information was gone year XXXX  upon his release. He has been literally LIVING off my name my identity its not right. So forth IVE DISPUTED THIS FALSE INFORMATION ATLEAST XXXX times with proven Documents. Still nothing happen they just hang up!
Product: Payday loan, title loan, personal loan, or advance loan

I have been trying to contact RSVP loans so that I can pay off my loan. Every time I call all I can do is leave a message. I have left several messages including sending emails and I still have not gotten a response. All I want to do is pay off my loan once and for all
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX, 2022 I received 2 notifications about hard inquiries into my credit file. One was from JPMCB, and the other was from XXXX. Ive placed all credit bureaus accounts on freeze and also placed an alert.
Product: Debt collection

A debt collection agency named Sunrise Credit Service repeatedly robo-calls me from various numbers. I tell them I 'm not the person they 're looking for, ask to be removed from their list, and they say they do not keep a list. They will stop calling for a few weeks and then begin again. I have told them repeatedly that I am not the person they 're looking for but they keep calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed there were XXXXXXXX loans on my report that I did not authorize. I have never applied for a XXXX loan before, and I have a total of {$33000.00} in loans from a company by the name of Fedloan Servicing. I reached out to XXXX, XXXX, and XXXX via phone and certified letter on XX/XX/21 and XX/XX/21 to dispute this inaccurate information. I also reached out to the Fedloan Servicing on XX/XX/21 and XX/XX/21 asking them to provide me with some form of debt validation. Today is XX/XX/21 and I have still heard no response from this company. All XXXX of the bureaus claim to have verified that I took out these loans, but this can not be true. I specifically asked each of the XXXX bureaus to provide me with debt validation from the alleged creditor, and each company completely ignored my request and sent me a generic-like response to my dispute. It has been well over 30 days since Ive exercised my consumer right to ask for debt validation from this loan company, and the fact that they havent responded is unacceptable. Ive already called all XXXX  bureaus with this information, and they are still refusing to remove this information from my credit.
Product: Credit card

I had a family death of my mother and she is in XXXX. My family in XXXX does not know how to take care of her so I had to do everything. Around this time we are having difficulties controlling our finances and business. We talked to AMEX and they told me after financial review that once I pay off the whole balance my cards would be reinstated. Instead 3 weeks later I still see it as cancelled. Please help me reinstate it.
Product: Credit reporting or other personal consumer reports

This letter addresses ongoing issues with Equifax regarding their failure to properly investigate and resolve disputes on a credit report, with no clear method of verification provided. These practices reflect the allegations in the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Equifax, which accuses the company of violating the Fair Credit Reporting Act ( FCRA ) by mishandling consumer disputes, failing to verify data accurately, and providing unclear dispute results.
Product: Credit reporting or other personal consumer reports

I am writing to address my recent review of the credit report obtained from your bureau. Upon closer examination, I noticed the presence of reported late payments on my accounts, which I believe to be incorrect. 

I have taken the necessary steps to investigate any potential late payments. I am pleased to inform you that other credit bureaus have already removed these late payments from their records. This discrepancy in reporting between your bureau and the others is concerning. 

For your reference : XXXX XXXX, XXXX XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information on my credit report Sub-issue : Information belongs to someone else date opened : XX/XX/2021 total amount : {$210.00} cahrgeoff date/collections:XXXX