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

Hello, I have XXXX XXXX XXXX accounts on my credit report that are reporting inaccurate information on my credit report. I have contacted XXXX XXXX XXXX and the 3 credit bureaus. 

I found XXXX different XXXX XXXX accounts with the same account numbers. 

Different account balances across the XXXX credit bureau 's. XXXX XXXX XXXX XXXX XXXX with account credit limits of XXXX and XXXX being reported. 

Since discovering these inaccuracies I wrote XXXX XXXX XXXX and the 3 credit bureau 's . I asked for original contracts and deletions. In return I received information stating everything is correct. A statement and letter saying everything is verified. 

I have been sending letters since XX/XX/2022. I never received anything with my signature only letters that came after 30 days. 

I disputed the information and in the remarks on my credit report it states that its resolved when it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pulled up a copy of my credit report and seen there were some accounts that are not mines and will need them removed, and I have several accounts that have inaccurate information and I will be filing a police report to remove the information thats unknown its so much information thats inaccurate XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX SEVERAL ACCOUNTS showing inaccurate and incomplete information, I will be filing a police report.
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX  XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

INCORRECT REPORTING SERIOUS DELINQUENCY 60 DAYS.
Product: Credit card or prepaid card

I received a call on XX/XX/XXXX, the individual introduced himself as a representative agent from the XXXX XXXX and knew about a recent stay I had at a XXXX in Colorado. Due to his knowledge regarding my recent travel, I believed him to be a legitimate representative from the XXXX. 

I proceeded to accept a travel certificate which I was told would be good for up to 2 years. However, upon accepting the package and providing my credit card number, I received the confirmation email with several different company names. At which point it became clear to me, the company was in NO way affiliated with the XXXX and I was not dealing with a legitimate organization. I then stated to " XXXX '' I no longer wished to proceed with the purchase and wanted to cancel my agreement. He then stated he could and would not cancel until I sent back more information, I then advised him I would call my credit card company to dispute the charge. I hung up with him and called Capital One right away. 

At that time, they did not see an authorization on my card so the Captial One representative proceeded to cancel my credit card. However, the next month the charge appeared on my card. I filed a dispute again with Capital One on XX/XX/XXXX providing details of the call and interaction with the company and inevitably lost the dispute. 

This company is deceitful and very good at winning disputes with Credit Card companies. However, based on my registration on the " Do Not Call List '' in 2003, they should have never been able to call me. 

There are multiple complaints on the XXXX website regarding the companies deceitfulness. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The listed creditors are not related to me, and I have no involvement with the inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed the accounts/ information listed below to Experian and XXXX XXXX agencies notifying that the information was inaccurate and violating my rights according to the Fair Credit Reporting Act. I have not been provided proof of debt for example a copy of a contract stating I have an obligation to these companies that are reporting my information without my consent. On XX/XX/2023 XXXX has responded stating the information was verified and XX/XX/2023 Experian responded stating the information was verified. Verification was never in question, the validity of these debts/obligation/ alleged applications are in questionable. I have notified both companies that XXXX XXXX XXXX does not have any proof that I owe this alleged debt so I am demanding a description of Experian 's and XXXX 's investigation procedures as well as the documentation used during the investigation according to FCRA 611 ( a ) ( 7 ). I have requested documentation from XXXX XXXX XXXX and was given a computer generated document. 15 U.S. 1681a ( 2 ) ( A ) ( ii ) states communication of that information among persons related by common ownership or affiliated by corporate control is excluded from my credit report. 
Also, XXXX XXXX, XXXX, and XXXX XXXX are reporting alleged hard inquiries and I have disputed these with XXXX and they are still reporting on my consumer report. I am requesting the documentation used to validate this information as well. Please be advise this is my final attempt to resolve this issue before entering a arbitration case against XXXX and Experian to resolve this urgent matter. I have included a copy of XXXX XXXX XXXX response as well as XXXX 's response.
Product: Mortgage

Freedom Mortgage had just began servicing my loan in XX/XX/2017, which I have had for several years. Within 1 month of having my loan, they stated I had an " Escrow Shortage ''. I was going to be short several thousand dollars, and my payment was going up {$140.00} per month. Again, I have had this loan for several years, and currently have 4 other mortgages on investment properties. So I checked with my insurance company and the county tax office about significant increases. I then called Freedom Mortgage multiple times of the next months, to try to get it figured out, and I got absolutely nowhere with approximately 10-15 phone calls. I have recently filed a complaint with the NC Banking Commission, to which Freedom Mortgage 's response was they paid a non-existent Insurance policy, meaning they ( Freedom Mortgage ) paid XXXX XXXX insurance, money out of my escrow account for an insurance policy that I had absolutely nothing to do with. I have never had XXXX XXXX as an insurance provider. They have not received a refund for this payment, therefore my Escrow Account is in shortage.

So, after months and months of no response from Freedom Mortgage, my payment is still {$140.00} more than it should be, due to them paying another insurance policy and not receiving the refund.
Product: Credit reporting or other personal consumer reports

My credit report shows accounts added without my consent ; request removal and blocking of these fraudulent entries.
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation into the actions of Trans Union, which has included negative information reported by a third-party debt collection agency, XXXX XXXX, on my credit file. This occurred without my consent, as I have never signed any application or contract authorizing this agency to report such information. I have constantly requested proof of a signed application or contract, along with a copy of my valid drivers license, but neither Trans Union nor the reporting agency has provided any evidence to support their claim. This raises significant concerns regarding Trans Union 's compliance with the Fair Credit Reporting Act ( FCRA ), specifically related to the permissible purposes for accessing and reporting consumer credit information. The unauthorized reporting of this derogatory information has negatively impacted my credit score and financial standing, causing undue hardship. Under the FCRA, a permissible purpose is required for any entity to access or report credit information, and I have not given any such authorization to XXXX XXXX or Trans Union. I respectfully request that the CFPB investigate this matter, ensure that Trans Union is held accountable for their failure to comply with FCRA regulations, and take the necessary actions to have the inaccurate and unauthorized information removed from my credit report immediately.
Product: Debt collection

On XX/XX/2020, I sent a letter to Southwest Credit Systems in XXXX, Tx certified mail, regarding a collection item appearing on my credit report inaccurately. I requested for Southwest Credit Systems to validate the debt is mine by showing me competent evidence bearing my signature, showing that I have some Contractual Obligation to pay them. They never sent me anything evidence of anything bearing my signature. Southwest Credit Systems is in violation of the FCRA & FDCPA, due to the fact they did not validate the debt belongs to me, bearing my signature. Southwest Credit Systems have not deleted the entry of this item from all Credit Reporting Agencies. Southwest Credit Systems continue to falsely report inaccurate information on my credit report pursuant to the Fair Debt Collections Practice Act and the Fair Debt Credit Reporting Act, along with corresponding local state laws. 

The public should be made aware of the unethical and illegal business practices of this company. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my credit profile information was incorrect, addresses, phone numbers and incorrect variations of my name
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to see about buying a new vehicle. At that point I gave the dealer the authorization to run my credit once to see what I was approved for, but in return they ran my credit with multiple banks and or had the banks run my credit without my authorization. This in turn has given me over 41 hard inquiries on my credit report between XXXX, XXXX XXXX and XXXX which i can not recover from. I would like these hard inquiries removed because they were not authorized by me. From my understanding when you buy a vehicle it is supposed to be counted as 1 single inquiry but in my case it turned into 41. I have not been to 41 dealerships to purchase vehicles. I only own 2 Dates in question are between XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2019 at XXXX XXXX we received a text from Capital One asking if a {$200.00} purchase at XXXX XXXX in XXXX XXXX was made with card ending XXXX, we replied no. There were two other charges one for {$1200.00} and {$250.00} at the same mall at about the same time. The {$250.00} was deemed legitimate because the card used was used with a chip. 
Card ending XXXX was used by me in our town the same day as the other charges in XXXX XXXX. 
XX/XX/2019 at XXXX XXXX, while in Oregon, we received a text asking if a {$250.00} at a XXXX XXXX in XXXX XXXX was made with card ending XXXX, we replied no. This too has been deemed legitimate by Capital One because a chip card was used. 
Our cards have been duplicated even though Capital One says it's impossible to duplicate credit cards with chips. We have not been to XXXX XXXX in 50 years We have registered this with all three of the credit reporting agencies, filed a police report, paid off the balance and closed our account with Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification from monitoring my credit reports that Transunion placed inquires on my Transunion credit report without my authorization. TransUnion had a server error, where the company had deleted a ton of inquiries from consumer credit reports, and put them back on. I 'm also a victim of the error. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I would like to draw your attention to XX/XX/XXXX, XXXX I sent my complaint letter to JPMorgan Chase Bank XXXX in which I clearly stated how this scam has affected me personally, psychologically and financially. 

Commencing on or about XX/XX/2021, I fell victim to a multi-layered scam operation run by profitfinanceoptions.net which involved me making deposits for a total amount of XXXX USD from my JPMorgan Chase Bank account to a fraudulent investment firm. 

To this day, I am yet to receive any response from JP, let alone the satisfying one.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. the items I am challenging are erroneous and needed to be removed from my Credit report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXXXXXX Balance : {$9500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX LA # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my credit reports i found personal information that is not correct. 
My name is XXXX XXXX, these name variations are wrong. 
XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX My current ADDRESS is XXXX XXXX XXXX XXXX, XXXX, OH XXXX These address are wrong : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX My employer is The XXXX XXXX XXXX XXXX These are not correct XXXX1099 EMPLOYEE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX PASTOR XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against EQUIFAX regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( s ) : Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Disputed Information : ACCOUNT #, LAST VERIFIED, DETE OF LAST ACTIVITY, CLOSED DATE LAST PAYMENT Account Name : XXXX XXXX XXXX  Account Number : XXXX Disputed Information : ACCOUNT # ACCOUNT #, XXXX  OF LAST ACTIVITY, XXXX  REPORTED, CLOSED DATE and LAST PAYMENT Account Name : XXXX  XXXX Account Number : XXXX Disputed Information : ACCOUNT #, HIGH BALANCE, XXXX  REPORTED, CLOSED DATE and LAST PAYMENT Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, EQUIFAX XXXX failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute. 
Additional Information : Attached documents : XXXX dispute letter, proof of address, driver ID, social security and images of each account and their inaccuracies
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XX/XX/XXXXaccount XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XX/XX/XXXX # XXXX, XX/XX/XXXX # XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XX/XX/XXXX# XXXX, XXXX, # XXXX,XX/XX/XXXXXXXX # XXXX, XXXX # XXXX, XX/XX/XXXX# XXXX, XX/XX/XXXX # XXXX # XXXX,XX/XX/XXXX / XXXX XXXX XXXX # XXXX # XXXX, XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX,XX/XX/XXXX# XXXX,XX/XX/XXXX # XXXX,XX/XX/XXXX # XXXX XXXX # XXXX, XX/XX/XXXX # XXXXHas 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 ; also states a consumer reporting agency can not furnish a account Without my written instruction.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15 USC 1681 section 602 A states I have the right to privacy.

And according to 15 USC 1681eb they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish and information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I have a 30 year fixed mortgage with XXXX XXXX XXXX. My normal payment increased over {$500.00} due to a new tax assessment. I recently started a new business and I am unable to afford to make the required mortgage. In XX/XX/XXXX I requested to work with Vitek Mortgage using their Loan Workout Program which offered a Loan Modification. At that time I mailed the required information to their office in New Jersey in mid - XX/XX/XXXX. I called customer service several times to verify if they had received the information. The package was received and sat in there mailroom for over a month. Finally in XX/XX/XXXX the information was moved out of the mailroom. Several documents were resubmitted at that time because the information had expired. I sent the requested information in with 48 hours of the request. That information included items like paystubs, bank statements and identification. After waiting another month, I called again to check on the status of the loan modification and was told that addition documents were needed. The requested were a Hardship Letter, a Profit and Loss Statement, and a Contribution letter from my wife. All of which was faxed and received by Vitek on XX/XX/XXXX. At that time, I was told that I needed to wait 30 days for a response from the Underwriter. I waited the required time and called again to customer service to get status on my loan modification. The representative that I spoke with told me that the Underwriter had not looked at my file and that they would escalate the matter. I have since " escalated '' this issue on three different occasions since XX/XX/XXXX and have yet to get a response from Vitek Mortgage.
According to Section 6 of the Real Estate Settlement Procedures Act this servicer has not complied with the requirements of this law and should be dealt with accordingly. I hope that you are able to help me with this mattter
Product: Checking or savings account

Hello. I purchased XXXX automotive services from a XXXX on XX/XX/year> as a third party and paid using my TD Bank XXXX  card. One service I did canceled right away and XXXX issued a refund for {$43.00}. The other XXXX I tried to use for AC refregerant refills for my vehicle but unsuccessfuly because the merchant failed to provide the service and I had to go to another repair shop and pay {$89.00} for the same AC refregirant refill service for my vehicle. After that I filed a claim for a credit from XXXX, which was unsuccessful because they decline to issue a credit for utilized groupon. They stated that I need to proceed with my claim with my banking instutuition if I want to have a refund processed. 
When I filled the claim with XXXX  Bank on XX/XX/year> for the amount of {$88.00}, they mistakely assume that first credit which was provided by XXXX was in satisfaction of the second one and decline to issue a credit for {$88.00} which has nothing to do with a refund for {$45.00} issued by XXXX. 
I called 3 times but the dispute department reps are dead beat. They are grossly mishandle cunsumer claims and denying legitimate complaints and requests for credits. 
Now, I paid twice aproximately the same amount of money for the same services for my vehicle and nobody care to take a look at issue and resolve this relatively easy claim. 
Since I did purchase services twice the mirror image rules of common law applies and I can't get only one service done because one merchant failed to perform. 
I do demand the XXXX Bank to refund my money paid to XXXX for the service that their third party beneficiary failed to performed!