23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to advise you that I am a victim of identity theft. The following account was opened fraudulently and is not mine : THE HOME DEPOT Account Number : XXXX I have tried to fix this with The Home Depot and am not getting any responses. This is preventing me from getting the credit I deserve.
Product: Credit reporting or other personal consumer reports

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in XXXX XXXX XXXX. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX ( XXXX XXXX XXXX XXXX XXXX, TX XXXX and XXXX XXXX XXXX XXXX, TX XXXX ) sent a first letter on XX/XX/2017 stating that a member of our household owed money for a return check and a returned check fee. {$14.00} to XXXX XXXX XXXX and {$25.00} Fee totaling {$39.00}. 

Reference # XXXX This was check # XXXX routing # XXXX with a non-valid checking account number. No one in our household has ever opened an account with XXXX XXXX XXXX. 

We asked XXXX XXXX XXXX to marked this as fraudulent and not to harass us again. They gave us a file claim # XXXX and said they would not contact us again. XXXX has since sent two more letters stating they need our social security number and driver 's license number. And that we still owe {$39.00}. 

This is a SCAM and fraud and we need to protect our credit score/history.
Product: Credit reporting or other personal consumer reports

I submitted a complaint through the consumer financial protection bureau on XX/XX/2023. Because TransUnion credit reporting agency is reporting a derogatory account on my consumer report inaccurately and incomplete. My complaint number is XXXX to the report I filed previously with their agency along with my supporting documentation. Showing the following errors listed under this account on my consumer credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,  2017  the compan y Portfolio Recover Associates, LLC. took  me to court regarding an account they purchased form  XXXX   XXXX   XXXX   XXXX   XXXX  for {$1100.00}. This was not my account as a result of identity theft. The day of court  XXXX  2017  the case was dismissed  by Portfolio Recover Associates. They continue to report this misinformation on my credit and refuse to remove it. They  continue sending me Dispute Forms requesting information from me from as recent at  XXXX 2017. They also sent me documentation Stating this account has been resolved and the current balance is {$0.00} and settled. They refuse to remove this from my credit. l left messages with their attorney  XXXX   XXXX  and she has not returned any of my calls. Can you please help me get them to remove this from my credit.   Regards,  XXXX
Product: Debt collection

Keep contacting me about a debt that is not mine and belongs to my adult son who does not live with me and is not a dependent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an adverse action that was taken against me based on information in my credit report in the past and you still continue to report it why?

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 603, Subsection ( k ) ( 1 ) ( b ) ( i ), which requires credit reporting agencies to provide notice to consumers when an adverse action is taken based on information in their credit report. 
I am requesting that you investigate and correct the inaccuracies in my credit report. 
The specific items I am disputing are : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2024, I deposited a check in the amount of {$10000.00} into my Truist account via mobile banking. This check was issued by XXXX XXXX and represented a loan from my employers 401 ( k ) plan. The funds were intended for my personal use, and I relied on them being available in a timely manner. 

To my surprise, Truist placed a seven-day hold on the check. Subsequently, on XX/XX/2024, my account was put on hold and later closed due to allegations of suspicious or unusual activity, with the claim that the check deposited was fraudulent. 

In response to these actions, I provided supporting documentation proving that the {$10000.00} was indeed a legitimate loan from my employers 401 ( k ) plan managed by XXXX XXXX. Despite this, Truist failed to conduct a thorough investigation. It is my understanding that Truist only contacted my employer, who could confirm that the check had been paid but could not provide further details. Truist did not reach out to XXXX XXXX directly to verify the legitimacy of the check, which would have been the appropriate and necessary step in this situation. 

The handling of this matter has been both inefficient and unsatisfactory. As a result, I have been deprived of access to my rightful funds, causing significant financial inconvenience and distress. I believe Truists actions were premature and not substantiated by a proper investigation, which could have easily confirmed the authenticity of the check.
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 confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or 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.

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: Mortgage

1 ) The mortgage servicer PHH Mortgage has accepted and confirmed the submission and that the file for XXXX XXXX was complete and no further documentation was needed or required on two occasions with PHH Mortgage. The 1st date of complete mortgage assistance package confirmation was XX/XX/2019 by Mr. XXXX ext. XXXX. The 2nd date was XX/XX/2019, which was confirmed by via phone conference with PHH Mortgage representative, XXXX ID # XXXX on XX/XX/2019. 

2 ) PHH Mortgage on XX/XX/2019 then states by verbal communication, that the file was not complete and still needed additional documents to be sent. This places Mr. XXXX review of mortgage assistance within 6 days of an unwarranted sale date that was put on record for XX/XX/2019. The sale date of XX/XX/2019 was put on record while the file was in review and final review. However more than the two dates mentioned above PHH Mortgage has stated the file being complete only to then, come back later and ask for more conditions, all while continuing the process and scheduling of a foreclosure date.
Product: Credit reporting or other personal consumer reports

XXXX, equifax, and XXXX  are reporting incorrect information on my credit profile.
Product: Debt collection

Unsolicited calls from : Global Resolution Group XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX
Product: Debt collection

I got a call from XXXX claiming to be a third party to " XXXX XXXX '' telling me to call them so i can be served legal documents to a sealed case that has been brought against me. So i called " XXXX XXXX '' XXXX I was put on the phone with someone who claimed they are going to sue me for a debt from and overdrafted bank account i closed in 2008. Claiming i owe them over {$3000.00} dollars. i have recieved this phone call in the spring time for about 9 years now. they claim i over drafted my bank account for {$5.00} and I have been sworn at, i have been treatened, i have been bullied over these years and would like to stop! I want to see these scammers put away!
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX XXXX  ] [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX  ] Experian Dispute Department [ XXXX XXXX  Experian ] Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear Experian Dispute Department, I am writing to formally dispute inaccuracies on my credit report that remain unresolved despite my prior attempts to address these errors. These inaccuracies pertain to an account reported by XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ). 

The account details are as follows : Account Number : XXXX Balance Reported : {$19000.00} Original Balance : {$18000.00} Inaccuracies Identified Balance Discrepancy : The current balance reported as {$19000.00} does not align with the original balance of {$18000.00}. There is no explanation of fees, interest, or payments that justify this increase, making the reported balance inaccurate.

Timeline Inconsistency : The status of this account was last updated in XX/XX/XXXX ; however, the balance update is incorrectly listed as of XX/XX/XXXX, which is not possible. This conflicting timeline raises concerns about the validity and accuracy of the information provided.

Reference to CFPB Lawsuit I would like to bring your attention to the lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian for similar violations of the Fair Credit Reporting Act ( FCRA ), including the failure to ensure the accuracy of consumer credit reports and to properly investigate disputes. The continued reporting of this inaccurate information on my credit report reflects these same systemic issues and is a direct violation of my rights under the FCRA.

Action Requested I respectfully request that you : Investigate the account for accuracy and provide evidence supporting the reported balance and timeline.

Correct or remove the inaccurate information from my credit report if verification can not be provided.

Under the FCRA, you are required to complete your investigation and respond to me within 30 days. I have enclosed supporting documentation, including a copy of the disputed report and any additional evidence, for your review.

Importance of Compliance I trust that Experian will act in good faith to address these inaccuracies in accordance with federal regulations. If the inaccuracies are not resolved promptly, I may escalate this matter by filing a complaint with the CFPB or pursuing additional remedies available to me.

Thank you for your attention to this matter. I look forward to your response and the timely correction of my credit report. 

Sincerely, [ XXXX XXXX XXXX  ] [ XXXX  XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX # XXXX, XXXX  # XXXX, XXXX  # XXXX, XXXX XXXX XXXX # XXXX, # XXXX, and # XXXX have 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
Product: Credit card

I paid off my account in full on XX/XX/year> in the amount of {$1400.00}. Later on XX/XX/year> after my payment in full was made and accepted I was charged {$33.00} in interest. The company will not respond with anything other than scripted language and do not care to make any sense when doing so. Ive been given the run around and flat out ignored. These people are XXXX  who are ripping me off.
Product: Debt collection

After my first class action lawsuits I filled out with CFPB. Sent paperwork that does not have the original signed copy I asked for they sent paperwork that Don't have my signature and the paperwork they sent has stuffed whited out and they only sent 2 of 3 items that is reported on my credit report. This is becoming and inconvenience to me and my credit I been dealing with this over a year so it needs to be removed off my credit report all 3 items and not added back I have sent certified copy 's and they are not doing what I have requested so now I am requesting money for the amount I paid for certified copy 's sent and my time dealing with portfolio recovery who has not done what was asked they are not the original owner of the accounts and they brought the accounts 3 party so no I don't owe them and I wanted off my credit report it is hurting me buy a home They are saying now that Portfolio Recovery Associates LLC now owns my account which this has been changed and now has started a new date on my credit report but been dealing with this for over a year all keep doing is selling this account over and over I am XXXX I can't get this taken care of
Product: Credit reporting or other personal consumer reports

I have reach out to credit bureau to investigate accurate information on my credit report. Yet they fail to reinvestigate the dispute which is a violation of the fair credit report as per FCRA. They failed to provide adequate written notice to me the consumer of the result. Equifax is wrong for using ineffective system 's, flawed process, and excessive deference to furnish to resolve consumer disputes and failing to adequately inform consumers of the result. Also wrongly selling inaccurate consumer credit scores and credit attribute after it introduced test codes into a production environment in scoring. Model server.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note, this is not a duplicate complaint and I'm not using any third party for this matter. I truly believe I'm victim of identity theft and these inquiries have been placed on my report by Fraud : XXXX XXXX : XXXX. XXXX, 2022 ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 ; XXXX XXXX : XXXX XXXX, 2022. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 
I have filed FTC Report for this matter. I demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. The hard inquiries that are being disputed, do not belong to me. My position is being clearly stated, these hard inquiries do not belong to me, meaning that you are reporting inaccurate information within my credit file. YOU are reporting the INQUIRIES that are the result of the fraudulent activities. Therefore, these inquiry must be deleted from within my credit file. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that this Inquiry is being disputed is because it waw not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that this inquiry was made by me, they must be removed from my credit file.
Product: Credit card

I had a {$3000.00} credit limit with Discover Card. 

I maxed out the limit and my account was suspended last year in XX/XX/XXXX. 

I had a 0 % introductory interest rate for one year when I opened the account in XX/XX/XXXX. 

I started paying back the balance but it wouldn't go down. I asked them what was wrong. They said that I was incurring late fees and return check fees. I said why? They said that when my auto pay hit my account if there was no money in the account they were charging me a {$41.00} return check fee every single time including when they themselves went back to try to withdraw money from my account. 

The thing is I have my auto pay set up to my cash app account and my cash app account didn't always have money in it, but I was always responsible and I always paid every single month. I figured that if the payment bounced back, it wasn't that big of a deal because I would always turn back around a couple of days later, put the money into my cash app account and pay my monthly fee. 

I also incurred some late fees and then my XXXX XXXX  this year in XXXX. I understand the XXXX is something that I can not change but I have paid over {$1000.00} on this account and my balance is still {$2800.00}. That makes no sense whatsoever. 

I sent them a letter and I said I'm only willing to pay up to {$1800.00}. They said that they are not willing to offer me a settlement. They also said that they are not willing to close the account or charge it off because I've been paying consistently. That's actually a problem because if the account were charged off it would stop accruing interest and I could actually pay off the debt. At this rate it says that I won't pay off the debt for 11 years but it is only {$3000.00}! 
I spoke with numerous hostile employees but one employee finally told me that she is going to work with me and request that the company take off the return check fees which are incredibly numerous and they're {$41.00} a piece. She said there's no guarantee and she also said that the company will not let me know that they've done that or not and then I will just have to check back. 

I'm writing this complaint to you all in the consumer finance department to have them be forced to take off those return check fees because for XXXX my bank confirmed that they do not charge the company any fee whatsoever when things don't come back, and on top of that I always paid my monthly bill. I have statements from my bank going back to XX/XX/XXXX where I have consistently paid every single month and what has been my reward for paying every single month, not a thing!
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom May Concern These addresses does not belong to me listed below can you please remove Im disputing now please understand you are now being put on notice that this addresses listed below are not mine The following address listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice.You have aided this fraud by not verfiying these addresses Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX There may be individuals with a name the same as or similar to mine. Creditors may Have entered My name incorrectly when requesting my credit report. 
Regardless, There are forms of my name and address that should not appear in my credit file.
Product: Mortgage

The SPS mortgage servicing company is my mortgage servicing company on my primary residence mortgage ( property located in XXXX, California ). 

About 3 months ago, I realized that they have two account open for me ( one for XXXX property and another account related to a mortgage in XXXX California ). I told them that I have no property and no mortgage in XXXX California and my only account must be related to the mortgage of property in XXXX. They promised to investigate and eliminate this account from my name. I called them multiple times during the last 3 months. Everything they promise to resolve it but nothing happens afterward. This account seems to be fraudulent and either by mistake or by identity theft is assigned to me. 

I have talked to SPS company multiple times and submitted request to eliminate this false account via their web site. The SPS company has refused so far to clear the mistake or identity theft. I'm disappointed as it seems like the company is not caring and it is not doing its job properly to rectify the identity theft or mistake They even refuse to give me information about the other account. They keep me responsible for the account but they refuse to give me information about the account!!! This is totally unacceptable. I need to escalate this to the government authorities as SPS is not doing its job properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX The city of XXXX XXXX had a major hailstorm that caused damage to many of my possessions, one car was beyond repair and I needed to replace it. When I went to replace it, I found that my credit report had been given negative reports by a bank, XXXX. I had had many conversations with this bank, as it is online only, and my daughter had a truck on a loan through them. The bank was impossible to deal with as most of their help did not speak English well. I was never given any alerts or notifications of late payments, but they said two were late. These were paid and I moved the loan to XXXX XXXX to get better service and a better interest rate for my daughter. I also had to replace another car. I managed to get this done with a decent rate and payment. But now over a year later my credit is still the same and nothing has changed and Transunion and XXXX are impossible to deal with, there is absolutely nothing wrong with my credit, I have zero issues and my credit uses are well within acceptable levels but these two companies are like slave owners, as a citizen of America, it should be illegal for them to give a person a rating with no real justification for it, and no deep explanation of the reason, they need to be responsible for their actions and how they affect people. I had to acquire a car through no fault of my own yet I am still paying for it in a less than stellar credit rating by corrupt businesses that can not explain or correct their wrong doings. I am tired of being chained by two companies that are in the business of selling peoples lives - it is modern slavery and the government needs to put an end to it.