23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Prior to XX/XX/XXXX, a female named XXXX XXXX called my office misrepresenting herself as the XXXX XXXX XXXXXXXX for our credit card processing company named XXXX. She was calling to inform us that we could get better processing fees and ease of use with new credit card terminals compared to what we were using. We agreed, and decided to proceed with documentation to secure the terminals, including a lease agreement. Within days after receiving the terminals, we tried to contact XXXX XXXX regarding some questions, and upon receiving the first email communication with her, I noticed her signature included the name XXXX XXXX XXXX instead of XXXX. After multiple email and phone call attempts ( see attached ), we could not get XXXX XXXX to respond. Once we confirmed with XXXX that there was no employee named XXXX XXXX, we immediately stopped using the terminals and put them away on the shelf. This confirmed that we had entered into a fraudulent agreement, and refused to do any further business with XXXX XXXX or XXXX XXXX XXXX. Soon after, we began receiving statements from XXXX ( see attached ), the leasers of the credit card terminals. We refused to pay these since we werent using the terminals, and, again, refused to do business with any associated with this fraud. The statements eventually stopped. On XX/XX/XXXX, a male identified himself as XXXX XXXX representing a debt buying company called my office ( and attempted to call me personally ) stating he was starting a pre-asset liability investigation and that he would be contacting any suppliers or vendors we work with, our bank, and the state of Arkansas in regards to our bad debt. After counsel with my lawyer, we decided no action was necessary. Soon after, another male identified as XXXX XXXX called saying he was forwarding all information of our account to legal department with intent to sue me personally based on the lease agreement. At that time, I spoke with XXXX XXXX, explained in further detail how this situation came about, to which he responded with complete disregard and reiterated not settling this debt would result in a lawsuit against me personally and ruined credit. After consulting with my lawyer again, we took no further action. He has since called my office about every 2 days threatening legal action. At the time of this complaint, we no received any written correspondence from XXXX XXXX, XXXX XXXX, or the company they represent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Todays date is XX/XX/XXXX. On XX/XX/XXXX I gained two points in EXPERION in  XX/XX/XXXX the two points removed. The only thing negative there is on my Experian file is in the score factor That that claims that I have a mortgage That is not true but after 14 attempts a year and one month The people at EXPERION Refused to remove the incorrect information, The strategy Experion use Is the transfer you from membership to disputeIts saying the other is the department that can remove The probably information And I have been continuing this game for one whole year. So ask what was the date that this report originated. That proves that what I am saying was correct. Then to my surprise XX/XX/XXXX the information was changed. Secretively To say no activity on my mortgage. Then they told me to contact the ( FCRA ) lol that is a get off the phone tactic. This is the Issue there was A mortgage that did not belong to me that was removed in XX/XX/XXXX and the mortgage was higher than average. EXPERION remove the mortgage but did not remove mortgage influence from the score factor.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove this fraudulent account from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to REMOVE any account listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00}.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau XXXX TRANSUNION Account Type : Credit Card I am writing under my rights granted by the Fair Credit Reporting Act ( XXXX U.S.C . 1681 ) and the Truth in Lending Act ( 15 U.S.C. 1601 ) to dispute inaccurate and unverifiable information that appears on my credit report regarding the account I hold with [ creditor name, e.gXXXX XXXX XXXX XXXXXXXX ], which has been marked as a " charge-off. '' Upon reviewing my credit report, I have identified the following discrepancies between the credit bureaus ( TransUnion, XXXX, and XXXX ) : TransUnion : Highest reported balance : {$4200.00} Current balance owed : {$4100.00} Payment status : Closed, reported as " Charged off. '' XXXX : XXXX reported balance : {$0.00} Current balance owed : {$4100.00} Payment status : Closed, reported as " Charged off. '' It also states that the account was closed due to inactivity. 

XXXX : XXXX reported balance : $ XXXX balance owed : $ XXXX status : Closed, reported as " Charged off, '' and notes the balance was " reported as a loss by the creditor. '' These discrepancies show significant inconsistencies between the credit bureaus, particularly in regard to the high balance amounts and account closure reasons. According to XXXX, the account was closed due to inactivity, while XXXX indicates it was reported as a loss by the creditor. Furthermore, TransUnion provides different information about the high balance. This inconsistency violates the FCRA ( XXXX XXXX. XXXX ( b ) ), which mandates that credit reporting agencies ensure maximum possible accuracy when reporting consumer information. 

Additionally, under the Truth in Lending Act ( XXXX XXXX. XXXX ), I am entitled to clear and accurate information about my credit obligations and payment history, which is currently not being accurately reflected due to these discrepancies between the credit bureaus. 


I am requesting that, in compliance with the FCRA and XXXX, you investigate this dispute and remove the inaccurate information, including the charge-off, from my credit report. The conflicting data between the bureaus demonstrates the inaccuracy of the information being reported. Please provide me with the results of your investigation and a corrected credit report as soon as possible. 

I have attached copies of my credit report highlighting the discrepancies and inaccurate information for your reference.
Product: Credit card

I pay all my bills in full every month. I have on numerous occasions failed to recieve my statment from Capital One. When I call Capital One and ask why I do not recieve my bill they tell me I do. I every time pay my bill in full and move forward. They send me to a voicemail in which I leave a message and they never return my call. Very poor customer service which esults in my frustration.
Product: Credit reporting or other personal consumer reports

I disputed inaccurate accounts to experienced, XXXX and XXXX and they did not follow up with verification of debts or removed the inaccurate accounts as required.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Product: Credit reporting, credit repair services, or other personal consumer reports

My addresses are incorrect on all credit reports. On my equifax my date of birth is incorrect I was not born in XXXX I am not even XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor XXXX as you can see in the attached letter is unable to validate the debt so if they are unable to validate the debt how are the bureaus stating they have verified and validated the debt? this is false information and a direct violation of my consumer right. I demand you delete this information from my consumer report immediately.
Product: Mortgage

What is the complaint? The mortgage company XXXX is doing another BPO ( 5th time ) and continueing to delay short sale and not accept a property apprasier estimate that we gave to them and only accepting their BPO by real estate agent who are not certified appraiser. this is our second complaint, Please help and render justice to our situation as I am older and ill with hardship. 
I have a property up for short sale and closing listed with a realtor since XX/XX/XXXX. The property has a buyer and all paper work and documentation for this transaction has been provided. I AM TRYING TO AVOID FORECLOSURE. And feel my mortgage servicing company ( Ocwen ) is not acting in good faith as a fiduicary. Also use delaying tactics of requesting the same docs over and over again, having uncertified realtors act as as appraisers to come up with an BPO or valuation price for the property, which is unrealistic based on the damage and required repairs, etc. The property is listed as under XXXX, but their valuation price is over XXXX. What problems are you having? Ocwen is not accepting our licensed and certified appraisal sale price report in making their approval decision for the sale of property. We want them to used the certified appraisal report in the decision and act in good faith as required by law. Also we need the cash incentive offer to help with our moving expenses to be allowed due to all the delays in processing our transaction. What happened? The mortgage servicer had BPO done twice by unqualified appraisers ( realtors ), My realtor and I requested a copy of the lastest BPO done by their realtor in XX/XX/XXXX, and they denied such a report exist. Although my realtor talked to their realtor at such property and say it was to be kept confidential. We need a copy of the lastest valuation report prepared by the mortgage servicer. I believe their BPO is not a good faith estimate or fair market price. Certain factors such as damage and repairs should have been factored in determining the market value such as new roof, repair sewer septic tank system, garage door replacement, kitchen repair due to water damage and mold remediatation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing concerning an issue with credit bureaus. As a survivor of XXXX  XXXX, I have experienced some hardships that no one should experience. In this matter, the credit bureaus have aided the illegal efforts of harassment and XXXX  over several years, and still insist on pridefully carrying on and abusing their power. Over the last several years, my credit has been illegally monitored by someone in the bureaus. My score fluctuates in the same range based off of what's going in my life. For instance, several days ago a young man offered to help me with a loan from his company with my current credit score ( XXXX ). That evening my score went down to XXXX after refusing a XXXX XXXX. On several occasions, the student loan servicer would report to my credit anytime a situation of this nature would occur. On several occasions in XXXX and XXXX, the harassment and XXXX  reached an all time high and I became XXXX XXXX XXXX XXXX XXXX as I needed to personally and for my children. It went on in my workplace, at home, and in other areas. I disputed several incorrect items on my report, and they refused to even contact me because of certain individuals connections on the inside. I haven't received an XXXX  report in three years, and I have attempted to obtain on four different occasions. I have tried to push forward in my life financially, physically, and emotionally with these hardships. I have tried to stay positive, but the truth is I need help from authorities because it has gone too far, and cause great detriment to me as a mother and to my children. I need help in this matter because I have truly done as much as I can possibly do to pull out of this.
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to formally request the immediate removal, deletion, or blocking of all of my personal information from your consumer reporting agency. This request is made pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX5 U.S.C. 1681b. I am asserting my rights under the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, which protects consumers from the unauthorized sharing or sale of their private information. I have not provided any written instructions or signed any agreements authorizing the sharing or sale of my personal information to third-party consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm a victim of identity theft and been a victim of identity theft for 11 years. I have fraudulent and unauthorized hard inquiries listed on my XXXX XXXX, Equifax and XXXX credit report. The following hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had an account start reporting on my personal credit history. I had not had a XXXX account report for many years. I made my last payment and closed my account. On my personal credit report, it shows that I have an open account with XXXX and it was closed and charged off in XX/XX/XXXX. Also, when you open a XXXX account you have to pay {$30.00} upfront and they state that the {$30.00} will be your first payment. They did not consider my {$30.00} my first payment and showed me late and each time I made a payment when my email alerted me, I was considered late and they would add interest. I did not know this at the time but I looked at this document and saw the way they were overcharging me. They never credited my first {$30.00} as they stated and they would send me paperless bills to my email and then consider my payment late even though they were billing me. I have submitted dispute after dispute to both the credit bureaus and the creditor with the address that is located on the credit report. I received a letter from XXXX stating that they transferred my account to another lendor and I should contact them. I have the letter as proof. It also shows that I paid the balance in full and then they added a COFINCHRG of XXXX and a COFINCHRG of XXXX. I was not aware of this. I had no idea that after paying my balance off online and having a {$0.00} balance that they would add any kind of extra charges. They never informed me. You can see the consistent payments on the statement they sent me as well. It was not a charged off account. The creditor has it listed as a charged off on my personal credit reports, I have attached them. And the last date of payment was is showing in XX/XX/XXXX. It shows on the document from XXXX that the last date of payment is XX/XX/XXXX. I sent the credit bureaus this proof as well and they still refuse to acknowledge that it is a fraudulent account that does not match my records. They may have me confused with another person but I never paid my account in a charged off status.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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

I am writing to you as the holder of credit card account number XXXX XXXX XXXX  # XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Product: Credit reporting or other personal consumer reports

Equifax, XXXX and XXXX continue to report negative information on my credit files. The inaccurate and incorrect information being reported by Equifax, XXXX and XXXX is a result of the Equifax Data Breach from 2017. Some unknown person ( s ) has stolen my identity several years ago and this has affected my credit for several years. I have continuously disputed and have tried to get the three aforementioned credit reporting companies to remove/delete this inaccurate and incorrect information from my three credit files. The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These are not my accounts and I want them Reinvestigated and removed. This negative inaccurate and incorrect information is affecting my ability to obtain credit, employment and apartment.
Product: Checking or savings account

I had my business accounts closed recently without explanation. Immediately, the bank restricted access to my bank statements. The bank also restricted my XXXX tokens. I was told that they would be released XXXX weeks ago, then again yesterday and today I spoke to XXXX at Truist Bank and she said that they are not releasing my XXXX  token. I was also told by XXXX XXXX that my tokens would be release on XXXX/XXXX/2024. I have made a total of XXXX phone calls and have been put on hold for longer than XXXX hours at a time. I visited the branch and I was rushed out of the bank because they were going to close in XXXX minutes. 

Could I please get help with getting my pdf copies of my bank statements and my XXXX XXXX  tokens released?
Product: Debt collection

On XX/XX/2003, I was returning a phone call from a XXXX XXXX from capital link management @ XXXX. When the person answered, they greeted me by my first name, and proceeded to go into personal information prior to identifying who they were, and also prior to mentioning the calls were recorded or monitored, which is a violation of the FDCPA. I had asked for a debt verification letter to be sent to me and he told me that they dont do that and that I sounded educated and seem to have a good job so I should understand whats going on and should be able to take care of it.
Product: Debt collection

The person who called me representing Credence debt collectors refused to tell me the company name unless I gave them personal information. They wanted my name, addresses, and phone number before they'd tell me the company or if they were a debt collector. They were a call center in XXXX that was calling on behalf of a company in the XXXX. I repeatedly asked who they were calling on behalf of. I was transfered to a " supervisor '' who also refused to answer any questions without me giving him sensitive information.
Product: Checking or savings account

Back in XX/XX/year>2024, I ordered a seat track from an XXXX Seller : XXXXXX/XX/XXXX XX/XX/XXXX, XXXX for short. I paid {$270.00} and change. I returned the item and XXXX said I won the dispute and provided an Aquired reference number XXXX to my bank JP Morgan Chase for the {$180.00}. I returned the item and Chase won't give me my refund of {$180.00}.
Product: Credit card

I have been denied the ability to dispute a charge on my Bank of America credit card.I received a denial letter, that said I was not able to dispute the charge, The charge I am requesting assistance in disputing was made on XXXX/XXXX/2015, to a company called XXXX XXXX XXXX in the amount of {$6600.00}. I have recently come to the conclusion that I have been victimized by an online business scam. I have been told that I am unable to dispute charges over 60 days old, however, I understand that the 60-day time frame for disputes does not apply in my situation as this is not a billing error and I signed contracts. My dispute has been mishandled and requires further investigation .I would like them to look into this " merchant '' There has got to be something they can do for the protection of their customer beyond 60 days. Companies like these are taking advantage of people making promises and telling lies. They did not provide the services as described.
Product: Credit reporting or other personal consumer reports

A new debt from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXThey are medical bills from a hospital. I did not receive a bill from the hospital. I have medical insurance. It seems like anyone can just say you owe than and they are putting it on your credit report without verifiy the debt is valid.