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

On XXXX and XXXX and Equifax Credit reports are 2 inaccurate 's which are 2 inaccurate accounts which are the 2 XXXX XXXX XXXX XXXX Accounts the first account list placed for collection when I paid the account balance in full It's listed on the account that I paid the account balance in full but should state it where the place for collections should say account balance paid in full the Second account balance is paid in full as well and it states it on the account both are inaccurates
Product: Credit card or prepaid card

Their website is not user friendly and contacting them is sketchy. My info was also sold to another company associated with them. They sent me offers saying how the two cards went together, continuing to always pop up as soon as I logged in to make payments. I get weird energy when dealing with this particular credit card company. Then with my payments. On their website its reflecting that Ive paid and doesnt reflect on my account. So Im really ready to pay them off because nothing is accurate with the info that I try to confirm on their website and even when Ive called. They tell me that my late fees were cleared and Im in good standings but then going back my credit report and the website. Its something different. This is the only credit card that I am having issues with. I dont understand why Im being played with when this is my credit we are talking about. They have a responsibility same as I when they lent the money on a card for me. These issues have caused my credit score to go down by XXXX points because they are not effectively communicating to me & money is not being pulled when it says it is. Im getting so frustrated. I just want someone to help me with the next steps please. Whats next???
Product: Debt collection

This company has done an illegal soft inquiry regarding a time barred alleged debt ( yes i know thia to be true as i have no debts under 4 years old which is the statute mandated limit per fla sunshine law ) which 0 info has been received.
Product: Checking or savings account

Money was taken out of my account from an unknown source and it was NOT RETURNED!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute online XX/XX/2022 with Equifax for the accounts listed below for inaccurate and incomplete information being reported on my credit report : XXXX XXXX XXXX, Account # XXXX XXXX XXXXXXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX The investigation was supposed to be completed by XX/XX/2022 but I haven't heard back from Equifax. I sent a follow-up certified letter on XX/XX/2022 requesting for deletion of the accounts due to the none response of the investigation passing the 30 days. I have not heard back from Equifax as of XX/XX/2022.
Product: Credit reporting or other personal consumer reports

A year ago I contacted XXXX bank requesting they remove their record from my XXXX and equifax credit reports. They refused. I never opened this acct and the address they had on file was in XXXXXXXX XXXX I have NEVER lived in that state. 

I also notified all three credit agencies and XXXX removed this fraudulent XXXX  act from my record but XXXX and Equifax have refused to do so. 

This obviously impacts my ability to get credit at a lower interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was stolen in a hack from Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information reporting on my credit file due to my identity being stolen and sold on the dark web where someone has consumed my identity and the results are a bunch of fraudulent accounts inwhich I'm begging to be removed and/ or blocked from my credit data files. I'm also asking that the major credit bureaus provide me with any and all certified physical documentation for my viewing before reporting any thing via electronic Verification inwhich by consumer law can not be taken for proof of any sort, Therefore, I'm demanding that these fraudulent accounts be blocked immediately. 

1 ) XXXX XXXX  2 ) XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX  5 ) XXXX  XXXX XXXX  6 ) XXXX XXXX XXXX  7 ) XXXX  8 ) XXXX  XXXX XXXX  9 ) XXXX XXXX
Product: Debt collection

Received collection notice from a collection company ( ERC ) for an alleged debt that I am unaware and have no records of doing business with. Have sent certified mail to collection company ( ERC ) to dispute the validity and request immediate removal of any derogatory information that may have been placed on any national credit bureau.
Product: Debt collection

I Have been sending letters to this company XXXX XXXX, for the last 9 months. Asking them to show me all the proof as to this being my debt. Every month in reply Midland would only send in return a bill. I will upload copies of these letters as well as the letter asking if they were even licensed and bonded in the state of Texas.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, my personal information were compromised by By XXXX XXXX  XXXX XXXX ), XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX 's database ( including several other companies ). My private information that was released on the dark web included. My full name, mailing address, social security number, my phone number, date of birth, and credit card number. Unaware of the data breach. I wasn't able to take full action quickly to protest my credit. Furthermore, there are inquiries on all three credit reports I didn't authorize. I'm requesting assistance in this matter. To remove these quickly and efficiently. Thank you.
Product: Credit reporting or other personal consumer reports

There are late payments on my report without my consent or knowledge.

15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | LIl / Legal Information Institute ( cornell.edu ) 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Debt collection

PNC bank states to XXXX credit bureau that {$160.00} written off ; {$560.00} past due as of XX/XX/2019. This is not true, a delinquency was a delay in an insurance claim.
Product: Money transfer, virtual currency, or money service

XX/XX/year> {$1000.00} I was scammed and nothing was done with my bank or Zelle. My bank told me contact Zelle which Zelle lied and say it was they can due anything no protection just stolen money nor reimbursement on behalf of Zelle
Product: Credit card

I used Affirm to book a hotel room for our vacation. I specifically paid for a room with a kitchen. When we arrived from our 6 hour drive, we had a regular hotel room. The standard room was cheaper, but we paid extra for the room with a kitchen. I have pictures of a room with a kitchen. They breached contract by not giving me a room that I paid for. I reached out to the hotel and they could not care less. We brought food that we had to throw away. The hotel told me to reach out to XXXX who I used to book. XXXX gave us the run around for over an hour on the phone. After that, I disputed the charge with Affirm in hopes of recouping some of my losses. They came back today and said because XXXX has a no refund policy, they are siding with them. There is no discount, nothing. I am expected to pay the full amount of the room that showed a kitchen that I did not receive. How is this legal? How can they force me to pay for what I did not receive? This is very upsetting.
Product: Debt collection

I hope this letter finds you well. I am writing to express my appreciation and to request an update to the status of my account to reflect " Open/Never Late, '' following a recent internal issue that has been successfully resolved. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : ACCOUNTS XXXXXXXX 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my banker ( for 20 years ) that I was not approved for a home equity loan because of derogatory items on my credit. After I pulled my credit report for myself, I noticed unknown, suspicious accounts. Please remove these fraudulent accounts. XXXX XXXX {$190000.00} XXXX XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$1700.00} Please remove these fraudulent inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am writing to formally address a grave matter concerning the mismanagement and potential theft of a registered security sent to Wells Fargo on XX/XX/XXXX. Despite my diligent efforts, the security valued at {$1700.00} has not been credited to my account. It is apparent that the security has been mishandled, and its whereabouts remain unknown. 

This blatant disregard for fiduciary responsibility and breach of trust is deeply concerning. As a trusted financial institution and transfer agent, Wells Fargo has a duty to uphold the integrity of transactions and ensure the safety of assets entrusted to them. 

In light of these egregious actions, I will take the necessary steps to report this matter to both the Treasury for a lost bond and SEC, FINRA alongside a financial securitization audit of my account I urge Wells Fargo to conduct a thorough internal investigation into this matter and take immediate corrective action. It is imperative that accountability is upheld, and restitution is made promptly. Failure to address this issue appropriately will not only tarnish Wells Fargo 's reputation but also signify a gross dereliction of duty towards its customers. 

I expect prompt and transparent communication regarding the progress of this investigation and resolution of the matter. Furthermore, I reserve the right to pursue legal recourse should Wells Fargo fail to rectify this situation satisfactorily. 

If wells fargo bank does not perform its fiduciary duties as outlined herein, I reserve the right to perform a revocation of your power of attorney using IRS form 2848 to abolish the trust and any power over the management of my financial affairs that has been established between me & wells fargo. This includes revoking authority from the issuer, depositor, sponsor, owner trustee, trustee, indenture trustee, as well as any other relevant parties.

. '' Per section 4.03 of the indenture, SECTION 4.03. Notice of Redemption. Notice of redemption shall be mailed by first class mail not less than 30 days or more than 60 days before such redemption date, to the respective Holders of any Bonds designated for redemption at their addresses on the registration books maintained by the Bond Registrar. Each notice of redemption shall state the redemption date, the place or places of redemption, if less than all of the Bonds are to be redeemed, the distinctive number ( s ) of the Bonds to be redeemed, and in the case of Bonds to be redeemed in part only, the respective portions of the principal amount thereof to be redeemed. Each such notice shall also state that on said date there will become due and payable on each of said Bonds the Lets not be at odds, I implore you to work with me for the continued prosperity of your company. I look forward to future investments with you. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like XXXXm being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Product: Mortgage

On XX/XX/XXXX I received a " NOTICE OF SERVICING TRANSFER '' PHH Mortgage Services XXXX XXXX XXXX XXXX is now collecting the payments. XXXX  will stop accepting payments received after XX/XX/XXXX PHH will collect the payments going forward. PHH will start accepting payments received on XX/XX/XXXX.

XXXX XXXX XXXX XXXX has joined forces, as a result, XXXX will be consolidating all mortgage accounts uner one company, PHH MORTGAGE SERVICES.

On XX/XX/XXXX XXXX Reported on XX/XX/XXXX a balance of {$120000.00} Direct Dispute/ XXXX XXXX Item Result Result : Deleted XXXX has deleted the account or record from you XXXX  credit report.

Dispute Reasons : Accuracy : This account is too old to be on my credit report. There were fraudulent charges made on this account.

Now PHH MORTGAGE SERVICES claims I own them {$150000.00}.

The Account was opened on XX/XX/XXXX, ( 12 yrs 4 months ) highest balance {$130000.00}.

Last reported XX/XX/XXXX.

We had no contract with PHH MORTGAGE SERVICES. This account is too old to be on my credit report. Ther were fraudulent charges made on this account by XXXX XXXX XXXX XXXX.

RECORDS INDCATE ON XX/XX/XXXX XXXX XXXX XXXX   DECIDED NOT GO FORWARD WITH THE SALE ON MY PROPERTY, it was canceled by the Attorneys from XXXX XXXX.

THE courts Dismissed our ORDER TO SHOW CAUSE, PLEASE SEND THIS COMPLAINT TO PHH MORTGATE SERVICER AT THERE CORPARTE HEADQUARTERS LOCATED IN XXXX N J
Product: Mortgage

XX/XX/XXXX we started looking for a new house. We found a model and an area that we wanted. 
We put money down, did paperwork, and everything else that 's required to get a home loan. 
The rest of the nightmare is listed in the attached Buying house.txt file along with XXXX other PDF files.
Product: Checking or savings account

I have an E*Trade checking account. I deposited a valid check into my account, after the mandatory 4 day waiting period the funds were declared available. I attempted a wire transfer and normal bank transfer of some of the funds. The next day the transfers were canceled and my account t was frozen. I called the company and was told the external account I was attempting to transfer to had to be verified. I proceeded to have it verified. I was then told my deposit was suspicious, so needed to verify that. This required getting my employer on the phone and calling the issuing bank there. The issuing bank rightfully wont discuss PII on a 4 way call. They offered a fax option. 

I have submitted proof of my employment including contract and invoicing for the work associated with my deposit. And have been told for over a week that this is under review. 

Its now been two weeks since my deposit was accepted and my account is still frozen. I am unable to cancel or transfer my money out and am missing payments. Ive been told my case was escalated and is under additional review last weekend, but no updates. 

Every time I call I am stuck with someone who has no power to affect my situation, and I learned yesterday that E*Trade never followed up on the fax option to verify my deposit last week.

E*Trade is holding my money against my wishes and is causing my family and I financial and emotional damage at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to sign up today with a mobile cell phone provider. They could not approve my account because my Experian account is frozen. I tried for HOURS on-line and on the phone to temporarily lift the freeze. It is not possible. None of my many calls to Experian ever got me through to a live person though I tried many different phone numbers. A XXXX operator directly connected me to an escalated number. Again, I was trapped on a circular prerecorded message that eventually hung up the call. I now have a frozen account that can not possibly be lifted on my end. Please help.
Product: Debt collection

On XXXX/2017 I sent XXXX and also XXXX  and letter of dispute pertaining to a debt that I received from, National Credit Systems , Inc.. They wrote me back saying that it was verified, however, they basically ca n't send me proper verification that the account belong to me. The amount they 're saying I owe is {$1200.00} and it is my understanding that XXXX and XXXX should recheck the items with the creditor who posted it on my credit.
Product: Credit card or prepaid card

I have been disputing several charges from 1 vendor/merchant. This company agreed to provide a multi-day training service, was not able to fulfill the obligation, agreed to refund the money voluntarily, and never did. 

I filed the dispute in XXXX after I realized that the refund wasn't coming voluntarily. It is now XXXX, and my refund has still not been resolved. The vendor advised that there were some sort of limitation with their credit card processor, so they needed to process the payments separately. 

Dispute description is as follows : " XXXX XXXX was hired to facilitate a personal safety class for our staff. We finalized payment on XX/XX/XXXX. The classes were supposed to start XX/XX/XXXX. The owner contacted me to advise that he and his staff would not be able to facilitate the class as agreed and was not sure when hed be able to conduct the class with our amount of people. The owner advised that hed refund the money. Weve been patient in waiting for refund. Its been over a month. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've contacted XXXX XXXX XXXX  & they told me I've never missed a payment, yet Experian refuses to remove me from being listed as late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experians job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. Please remove the late dates from this account : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is with JP Morgan Chase Credit Card Services and Amazon.com On XX/XX/XXXX I clicked on an advertisement on amazon.com for their Prime Visa Card from Chase. The webpage said, " See if you're pre-qualified with no impact to your credit score ''. So I went through the prompts, specifically and only because it wasn't going to impact my credit score. 

This is the page : https : //www.amazon.comXXXX XXXX On XX/XX/XXXX I received multiple alerts from my credit monitoring services that let me know that JP Morgan Chase had taken a Hard Inquiry from XXXX XXXX XXXX. 
I spoke to the Credit Bureaus, and they told me they can't dispute Inquires. However, the inquiries did impact my credit score negatively. They recommended that I speak to JP Morgan Chase. 

I called JP Morgan at XXXX. They confirmed the action but couldn't help me that the advertisement said that. I was transferred multiple times, until being left on hold for 30 minutes before I disconnected the call, without resolution. 

Given that Neither JP Morgan nor the credit reporting agencies seem to be able to help me remove this erroneous hard inquiry, I'm reaching out to the CFBP for help to resolve this matter.
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX & MAIN Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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.