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

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30,60, or 90 days late in the months of ( XX/XX/XXXX through XX/XX/XXXX ). I'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted each company regarding illegally pulled hard inquiry. Each confirmed XXXX sent them my information and no inquiry shouldve been pulled. All inquires still remains, several are doubled on my report.
Product: Credit reporting or other personal consumer reports

I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that They are doing a proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX  AMSHER COLLECTION SERV has violated my rights. 

1 ) Account name : AMSHER COLLECTION SERV Original creditor : XXXX  Account info Account number : XXXX Date opened : XX/XX/2022 Account type : Collection Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Balance on XX/XX/2022 : {$480.00} Original balance : {$480.00} I didn't recognize this debt. 
Eliminate this from my Credit Report 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be totally examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and blocking my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused monstrous difficulties for me, and I'm left with no decision except for to argue for your help with amending what is going on as quickly as time permits. I compassionately demand that you direct an exhaustive examination concerning the detailing of every one of these contested records. It is basic that the essential advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and honesty of my credit document so I might recover command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be enormously valuable. Much thanks to you ahead of time for your comprehension and help.
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 USC1681. 

Account Name : XXXX XXXX XXXX Account # : XXXX, Account Name : XXXX XXXX XXXX Account # : XXXX, Account Name : XXXX XXXX Account # : XXXX Account Name : XXXXXXXX XXXX  Account # : XXXX, Account Name : XXXX XXXX Account # : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 have been a victim of ID theft for almost two decades, I have contacted the company several times and have sent them SOLID INFO as well as the creditors to validate my claims.They continue to deny my claim even though I have sent them everything that shows it should have been DELETED even after being issued a new social security no by the SSA because of my my being so badly compromised.FTC reports, affadivits, police reports, etc.This needs to be resolved immediately Chase is the primary company that refuses to remove the acct that was opened by someone on XXXX $ XXXX no XXXX XXXX XXXX XXXX XXXX acct no XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$16000.00} All of these fall under the same scenario needs to be DELETED IMMEDIATELY
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act The list of the following accounts below has violated my federally protected consumer rights to privacy and confidentiality under ( 15 USC 1681 ).

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 States a consumer reporting agency can not furnish an account without my written instructions and or permission.

15 USC 1681c. ( a ) ( 5 ) Section States No consumer reporting agency may make any consumer report containing any of the following items of information. ( 1 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681 Section 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: Debt collection

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for failing to conduct an investigation into inaccurate items and incorrect personal information on my credit report, despite my efforts to provide all necessary documentation for identity verification. I mailed a dispute letter to Equifax dated XXXX XXXX, 2024, USPS tracking number XXXX XXXX XXXX XXXX XXXX XXXX. 

To facilitate the verification of my identity, I included the following documents : A copy of my photo ID, A copy of my Social Security card, and A recent bill showing my current address. Despite providing these documents, Equifax refused to conduct the requested investigation. Instead, they requested additional information to verify my identity, even though I had already supplied sufficient proof. 

I received a response back from Equifax dated XX/XX/XXXX2024 stating the following WE HAVE RECEIVED YOUR DISPUTE ; HOWEVER, ADDITIONAL INFORMATION IS NEEDED. PLEASE RE-SUBMIT THE DISPUTE ALONG WITH A COPY OF ONE ITEM IN EACH OF THE FOLLOWING CATEGORIES Name : XXXX XXXX ; XXXX : XXXX Birthdate : XX/XX/XXXX Equifax 's refusal to investigate and correct the inaccuracies in my credit report has caused significant inconvenience and distress. The presence of incorrect information on my credit report negatively impacts my creditworthiness.

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

It appears that Equifax has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act.

I am including a copy of my dispute letter sent to Equifax, USPS certified mail proof of delivery, along with Equifaxs response as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I attempted to temporarily lift my security freeze on my Experian Credit File. I first used their https : //www.experian.comXXXX   online security freeze center but was unsuccessful, even after trying every past address combination that I could think of. Note : I had no issues temporarily lifting the security freezes that I had on my XXXX and XXXX credit files when using the same personal data. I know the payment method that I was using was not the problem because at every attempt I made, Experian charged my credit card with a temporary authorization of {$10.00}. 

After each attempt, I was redirected to a page that gave instructions for mailing in documents to verify my identity along with a request for a security freeze lift. There was also a link to an " upload documents now '' form. Each time that I tried to submit the documents using this online link, it failed and I wast redirected me to a notice stating that I must mail documents in to have the freeze lifted. 

I tried to call XXXX, XXXX, and XXXX to get assistance but none of these # 's allow for talking to a live person. 

I feel that Experian has made it so difficult to manage security freezes that they are putting an undue burden on consumers. Especially the military, who don't have the luxury of having access to fax machines and post-office service when they are deployed. I'm XXXX right now and if I had to mail in all of the documents that they are requesting to lift my security freeze it could take weeks for it to be received by Experian and processed. Not very convenient when trying to apply for a home loan. It basically puts a hold on the entire process of being underwritten for credit.
Product: Mortgage

Two things happened. There was a storm XX/XX/XXXX and half of my shingles were blown off. My deductible was {$2500.00}, which started my financial stress. Then my employer discontinued overtime pay. This happened XX/XX/XXXX. We have been told OT will be approved soon, but no date
Product: Credit card or prepaid card

I purchased this gift card at the XXXX store sometime ago. I do have an Activation Status Receipt from the store but dies not show the date of the transaction. 

I gave this card to a family member but when she wanted to use it at the store, it was declined. So when I checked the balance, it says it has a XXXX  balance. I called the number on the card, but they said I should check with store I purchased from. I, then, checked with the XXXX, they couldnt trace the record. 

Please investigate the situation for me, it will be greatly appreciated. Thank you! 


Please in
Product: Money transfer, virtual currency, or money service

I have an account with Coinbase/XXXX that was unexpectedly disabled right before an extremely large surge in price. My account was already verified and active ( successfully trading for days prior ). Timeline as follows ... 

XXXX XXXX : Account is disabled after a sell of all my coin on that exchange at XXXX XXXX {$8100.00} USD ).  Plan to buy the dip was unable to be fulfilled. ( H:XXXX, L:XXXX ). Instructed to call support, but no phone support available and no voicemail able to be left. Emailed support via website. 

XXXX XXXX : No response, little activity in BTC. 

XXXX XXXX : Still no response, still attempting to call and email. Market surges in value ( H : XXXX ). Start a withdrawal despite website status stating that US withdrawals are experiencing issues. 

XXXX XXXX : Submit another request as market surges yet again ( H:XXXX ). Also file complaint with the BBB ( hadnt thought to file with CFPB yet. No responses.

Current : Received my USD funds, but will be unable to capitalize on market activity for several days due to these issues.
Product: Checking or savings account

I am writing to file a complaint navy federal credit union regarding multiple overdraft fees o have incurred. despite having sufficient funds when the transactions were authorized, i was charged fees due to lagged posting of charges and credits. These issues aligns with the recent CFPD findings against NAVY FEDERAL for similar practices where transactions settled with insufficient balances despite initially available funds. i believe are unfair and request a investigation into my account transactions
Product: Mortgage

Hi, I hope all is well. My name is XXXX XXXX and I am the personal representative for my grandmothers property located in XXXX, MD. I have been working with a real estate agent to get my grand mothers house sold. We have been growing through the short sale process for a year. The first lender was XXXX. We got the appraisal done and it came in at {$90000.00}. The mortgage was then sold and moved to PHH. PHH would not use the appraisal that was done by XXXX and stated that they had to have there own completed. Another appraisal was ordered and completed in XXXX of XXXX. That appraisal was submitted and came in at {$70000.00}. All requested paperwork was submitted and we were awaiting next steps. While we were waiting, the short sale specialist stated that another appraisal had to be completed due to the appraisal expiring. Another appraisal was completed and that appraisal came in at {$100000.00}. Again, all paperwork was completed and submitted. Again we were waiting for the next step from the bank as all paperwork had been completed. The short sale specialist, XXXX XXXX, stated that the short sale would not be approved due to a sale date of XX/XX/XXXX. My real estate agent check multiple sites and even went to the court house. There was no sale date set. The agent also called PHH on XX/XX/XXXX and the rep stated that no sale date had been set and that there was no sale date on the property. The agent then reached back out to XXXX XXXX XXXX, the assigned short sale specialist asking if we were moving forward with the short sale and he stated no that a sale date of XX/XX/XXXX had been set. Another search had been done and no sale date of XX/XX/XXXX had been found for the property via the court house or online. At this juncture, it seems as though PHH is trying to push the property into foreclosure, more specifically XXXX XXXX is. At no point has he tried to help. It takes him weeks to respond to emails, if he responds at all and that is the only point of contact with him is email. Please help me save my grandmothers home from foreclosure
Product: Mortgage

Mortgage Fraud is being perpetuated against by SPS known as Select Portfolio Servicing , Inc the property is located at XXXX XXXX XXXX XXXX, Ga XXXX. Legal Description : ALL THAT TRACT OR PARCEROF LAND LYING AND BEING IN LAND LOT XXXX OF THE XXXX TH DISTRICT OF XXXX XXXX, GEORGIA, BEING LO XXXX XXXX OF XXXX SUBDIVISION, AS PER PLAT RECORDED IN PLAT BOOK XXXX, PAGE XXXX, RECORDS OF XXXX XXXX, GEORGIA, WHICH PLAT IS BY REFERENCE INCORPORATED HEREIN AND MADE A PART HEREOF. I sent notice and ask the plaintiff to:XXXX Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; a ) FR XXXX balance sheet ( XXXX # 's XXXX, XXXX, XXXX ) b ) FAS XXXX Cash Flow Statementsc ) XXXX XXXX XXXX ) XXXX XXXX ) SEC Registration # of the pooled trustf ) FWP ( free writing prospectus ) SPS wont respond and now they are foreclosing on a property they do not own..
Product: Credit reporting or other personal consumer reports

The above account does not belong to me I am a victim of identity thief Under 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy in demanding the deletion of the accounts listed IMMEDIATELY XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Experian a letter providing specific details of what I want on my personal profile because I noticed a lot of identity theft names, addresses, and employers. I have not received any information back from XX/XX/XXXX, that they removed all names, addresses, places of employment that are not mine based on the information, I provided in my letter. I'm not sure why it's been over 30 days and even when I sent all my proof, they refuse to update and remove all times that could harm my credit report. 

Please have them update and remove all other items, because they were never mine and will or can cause identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked on the website Equifax set up to determine whether or not my information was affected by the hack they recently disclosed. According to their website my information was impacted by the hack. I checked on XXXX/XXXX/2017.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXXXXXXXXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. 
Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 
Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance Owed : {$70000.00} DEPTEDNELNET XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/XXXX ( XXXX XXXX DELAWARE XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX-XXXX. they pull my report and did hard inquiry without my consent opt out before ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ( XXXX ) XXXX they pull credit before i said yes when isuggested to cancel the report being pull ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ( XXXX ) XXXX i never requested this hard inquiry about my credit ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX i did not grant permission to have my credit report pull or any other matter ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX i did not aproved this ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX this should not be here and they did not supposed to pull my credit or do hard inquiry ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX i never give my info and gave them permission to pull my credit file ) XXXX/XXXX/XXXX ( ALASKA XXXX XXXX XXXX XXXX XXXX XXXX XXXX AK XXXX ( XXXX ) XXXX i did not request this hard inquiry since it was a checking account created nothing related with credit ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX i never requested any about this ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX  XXXX XXXX MD XXXX ( XXXX ) XXXX i never granted permission to pull my credit file )
Product: Credit reporting

I am filling this complaint because Equifax has ignored my request to provide me with any documents that their company has on file that was used to verify the accounts I disputed. Since they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank You.
Product: Credit card or prepaid card

I made a balance transfer to a new HSBC card, which I soon afterward realized I had made in error. Within 10 minutes of completing my balance transfer request, which I was told would take 7-10 business days to process, I called HSBC back and spoke with XXXX, who I had spoken with at the end of the balance transfer earlier. She told me it would take 7-10 days to cancel the transfer, but she worked in Escalations and would attempt to get the balance transfer stopped, given the short amount of time since the balance transfer had been requested. 

Unfortunately, it was necessary for me to be hospitalized yesterday due to a previous injury and when I got home and looked into my XXXX  accounts today, I realized the transfer had already been done When I called HSBC to clarify this, I was told if the transfer was done electronically, which I was not told during the entire BT process on XX/XX/2020. Now both XXXX and HSBC are telling me the transfer may not be able to be cancelled. I feel there should be a time frame to allow cancellations, especially when the customer is told it would take 7-10 business days to process, not one day if done electronically. Now HSBC is giving the same 7-10 days to cancel it, if at all.
Product: Consumer Loan

I was no allowed to apply because I disagreed with their policies from a previous loan. I have had multiple loans there and have never been late. I have an excellent pay record with this company. They just did not like the fact that I questioned them about their policies and refused to allow me to apply for credit.