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

I reached to XXXX at the beginning of XX/XX/XXXX of this year in regards to to Several accounts appearing on my credit file. Some of the accounts have been removed but one in particular still remains ( Enhanced Recovery ). I've completed my report through the Federal Trade Commission which included this particular account as well. I never recall opening or establishing any account through Enhanced Recovery Company or XXXX XXXX XXXX. Both XXXX and Enhanced Recovery has been notified of the inaccuracies but yet this account still remains on my credit file to date. It has been well over 30 days an neither XXXX or Enhanced Recovery has responded in regards to this matter. Under the Fair Credit Reporting Act this account should not be reporting on my credit file and is a violation of my consumer rights.
Product: Mortgage

A few months ago I received a notice from Wells Fargo indicating that my escrow account was deficient by some {$450.00} or so. After reviewing the escrow I determined that WF has renewed my homeowners insurance policy with a 49 % increase without notifying me. I went on line and secured a few quotes and bought a policy from XXXX and prepaid for the year. I notified WF and sent a copy of the binder. I received a call from one of their many contact points acknowledging receipt of the policy binder.

A week or so later I received a notice that my mortgage was overdue and then a number of letters from various departments and their " executive offices '' indicating that they would complete an analysis of my account and I would receive a written response by XX/XX/26 - yesterday. Today I received a phone call from their collection department and again, the person calling had either no or incomplete information on my account. I am at a loss as to how to prove to them that I am not in arrears, never have been and their incompetence and attempts to cover for their poor performance is stopping me from refinancing. 

I will upload documents and letters, not all of them because they are redundant and 2 inches deep, that clearly show each of my payments made on time. I wonder how many other escrow accounts they have irresponsibly handled and how many other people have been subject to their corporate papering to cover up their irresponsible escrow management.
Product: Debt or credit management

Being charged for XXXXXXXX XXXX  I don't remember receiving this item
Product: Checking or savings account

I opened a checking and a money market account ( MMA ) with Fifth Third Bank online on XX/XX/2023 and set up a link of these accounts with an account my XXXX  and I have at XXXX XXXX. After the link was confirmed, I initiated within my login at Fifth Third two ACH transfers from XXXX, one for {$10.00} into the checking account at Fifth Third and another for {$25000.00} into the XXXX at Fifth Third. The {$10.00} deposit was processed successfully on XX/XX/XXXX and there is no issue with it. However, Fifth Third never deposited the XXXX  XXXX transfer into my XXXX at Firth Third, even though they had debited the amount from our XXXX account on XXXX XXXX, XXXX. Furthermore, they locked my accounts such that I could not login to access my accounts. Subsequently, Fifth Third sent a letter to me threatening to close my accounts and report to credit bureaus such that other institutions may not do business with me in the future. I called Fifth Third and went to their local branch twice and spoke with the assistant branch manager. They kept telling me to ask XXXX XXXX  to file a claim to get my money back, even after I had both the 53rd manager and a manger at XXXX speak to each other on the phone directly. 

The fault is 100 % Fifth Third 's because they had my funds and there was absolutely no reason for them not to deposit my funds into my account. However as of today ( XX/XX/2023 ), the issue persist.
Product: Credit card or prepaid card

My XXXX XXXX XXXX credit card was to become a Barclays XXXX XXXXXXXX credit card on XX/XX/2022. XXXX XXXX  requested that the balance be paid in full by XX/XX/XXXX. I paid a balance of {$2100.00} directly from XXXX XXXX  to XXXX XXXX  on XX/XX/XXXX. Subsequently, my balance from Barclays in early XXXX showed a glitch in the payment. They show that the bank made the payment and immediately rescinded it, which did not happen. As you will see in the attached documents, Barclays has been nonresponsive and, to date, has not resolved the problem. After 13 phone calls to them, along with one fax and two letters, Im convinced that they are unwilling or unable to resolve this problem. I sincerely hope that you can help me ; I dont know what else to do.
Product: Debt collection

As of XX/XX/2024 this company AMSHER Collection Service wrongfully placed an alleged debt on all 3 Credit reports without sending me notice to dispute. This is a violation, and the Credit Reporting Agencies are only allowed to report accurate information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Dispute of Charge-Off on My Credit Report Under 15 U.S.C. 1681i Dear TransUnion Dispute Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report. 

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with 15 U.S.C. 1681i. 
Verify the validity of this charge-off directly with the original creditor. 
Remove the item from my credit report if it can not be verified or is found to be inaccurate. 
Laws Being Violated : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report.

Relevant Law : 15 U.S.C. 1681i This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly of such dispute, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file, within 30 days.

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response.

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made. 

Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I took out a loan on my car and car needed to be traded for a new car. So i took a new loan for the title. I only owed XXXX and they gave me XXXX. Now my balance is XXXX. The are ripping me off. Can you please help me resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last 2 years I have tried to no avail to challenge my accounts on the credit reporting agencies. I also retained XXXX XXXX which is a credit repair company and they had little to no luck
Product: Debt collection

I do not owe money to anyone. There is no reason for any debt collection service to be calling me. I am on the do not call list. I get multiple calls a day, four or five days a week from some company whose number comes up on my caller id as Portfolio Recovery. The phone rings once or twice, then they hang up. There is no message left. If I answer, they hang up. This has been happening for several months. I have called them back and told them to stop calling me. They insist they need all sorts of personal information from me to take me off their calling list. I have offered to give them the phone number only, but they keep insisting they need other personal information from me. I do not know these people. I owe no outstanding debt to anyone. I refuse to give out my personal information to them, but I want these calls to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported 6 accounts and a address where i have never lived at as fraud. XXXX and XXXX  cleared my reports. But Equfax is still showing the Fraud address and accounts on my credit reports. I'm submitting the F.T.C Identity thief report under number # XXXX copy enclosed, i also submitted the clear XXXX report. Please remove these accounts working on getting a mortgage. 
Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am using my rights under the FCRA to contest any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. OR any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 15 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. I would like for you to mail me physical proof of your actions and my updated credit report. These allegations appear to be inaccurate. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form 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 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 XXXXXXXX Summary of Public Records being challenged in list XXXX XXXX  XXXX Bankruptcy ( XXXX ) - ( XXXX ) Discharged Personal Information for TransUnion XXXX : XXXX accurate information about me. My only name is XXXX XXXX XXXX. 
CURRENT ADDRESS : XXXX, XXXX The only reside at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove any address you have in your system that does not match XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX MN XXXX
Product: Credit reporting or other personal consumer reports

On the date XX/XX/XXXX I applied for a pre approved auto loan with Navy Federal Credit Union upon being accepted for a XXXX dollar auto loan, which included GAP. I than went and choose the vehicle of my discretion. I payed my car note on time and accordingly, the vehicle was insured aswell on XX/XX/XXXX I was involved in a car accident which left car totaled. At the time I was one month behind on my car insurance so at the time of the incident they refused to pay the balance on the loan. When I reached out to Navy Federal they also told me my GAP didnt cover the loan. The institute than went on to report my auto loan account as a Charge -Off account. This reporting of my auto loan is inaccurate under 15 U.S Code 1681s-2. By Definition The IRS Clearly says a Canceled or Charge off is income. The reporting of this account as a debt is inaccurate.The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting of this information incorrect. I ask that this information be looked into thoroughly.
Product: Payday loan, title loan, or personal loan

I got this loan to help family. On all my emails and phone calls to arrange a payments plan I had no answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone that stole my identity about 6 or 7 years ago just applied 10 times for a credit card. After declining it many times, they ended up accepting and sending them a card, now there are charges that they damaged my credit score. I was trying to refinance, when my consultant found put my credit was terrible because of Capital One. Apparently they are the worse credit card company to protect the victim and help the thief. 
I reported the issue to them and after a while they decided to mark all of the 10 applications as fraud and in 60 to 90 days they would clean my record. We asked to have a letter sent to us so we could prove what happen and the action they were taking, it could help us with our refinance in the mean time, hey said no problem. When I decide to verify the address where they were going to send the letter, of course it was the XXXX address from the thieves, I asked to sen it to my address and they said they can not do that, they can only send it to the address in XXXX, even though I repeatedly explain that that was the fraudulent address. On the end we were not able to get them to sen us any proof. Now we were transferred to another department to take care of the open card that had the charges, they kept us passing us from one person to another one smarter than the previous, just to let us know after one hour on the phone, that the department that was handling this kind of issues was closed until Monday. So here I am asking myself if I should just go ahead and learn how to become an identity thief, so I have full protection and support from credit card companies like Capital One. 

On the other hand I have to also give it to the Credit Bureaus which they are as equally incompetent and after many years fighting, police reports and enough compelling proof, they are still refusing to remove the XXXX fraudulent address that appears my credit report and has continued to do so for the past 7 years.
Product: Debt collection

TODAYS DATE:XXXX AARGON COLLECTION AGEN XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shal
l apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AARGON COLLECTION AGEN XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX  District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am a victim of identity theft and fraud. Equifax IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING XXXX  ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Product: Checking or savings account

TD Bank does not allow access to my banking information from 3rd party investment apps making it difficult for me to invest my money with companies like XXXX or XXXX.
Product: Debt collection

I have repeatedly asked this company, under federal law and my legal rights, to show me proof the accounts with this company are mine and they have failed my requests. I feel this was opened by my ex-wife and is not my responsibility. I do not feel they can damage my credit, reputation, or wrongfully threaten legal action without proof this is mine. I am prepared to fight this in court and will hold this company accountable for fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 : XXXX XXXX XXXX reported account closed XX/XX/2021 : XXXX  XXXX XXXX reported account closed - again - duplicate information no debt of any kind, account in perfect standing ( see attachment )
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a Hard Inquiry in the XXXX Credit Report for Sallie Mae Bank on XX/XX/2023. I have contacted Credit Card/Credit/Loan/Bank Customer Care and they don't have any application open with my information. I have also tried to contact XXXX Customer Care and they can't help since it's a hard inquiry. 

The following address of the Institution involved was mentioned in the Credit Report : - SALLIE MAE BANK XXXX XXXX XXXX XXXX, DE XXXX ( XXXX XXXX )
Product: Credit reporting or other personal consumer reports

Reporting act ( XXXX XXXX Account # XXXX ), has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15U.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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late any reason.
Product: Credit card or prepaid card

XXXX decided to move their credit card for XXXX/VISA to Barclays/Mastercard. I got a letter that looked like junk mail but opened it to find how to opt out prior to XX/XX/XXXX which I did. I was aware that my XXXX credit card would be closed as of XX/XX/XXXX. My XXXX account was moved to Barclays on XX/XX/XXXX even though I opted out. I didn't want a Mastercard and did not want to do business with Barclays. Barclays opened an account in my name without my authorization in fact I withdrew my consent for the conversion by following the procedure and opting out. I called XXXX and was told nobody could do anything until Monday, XX/XX/XXXX. I called Barclays and stayed on hold for more than 20 minutes and gave up because the reviews/posts on Barclays Bank US indicate that they do not answer. I feel like Barclays is opening accounts without people 's permission to make it look like they have more customers than they actually do similar to what XXXX was accused of and paid significant fines. I shredded the Barclays credit cards when I received them because I was told just don't activate them if I get them. XXXX and Barclays have violated my privacy.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accounts and inquiries listed on my consumer credit report, as referenced below, which are the result of a data breach or fraud, as well as any unauthorized inquiries. I demand verifiable proof bearing my signature or electronic signature. This letter is being sent directly by me and not through a third party, so I ask that you review it carefully. 

I did not authorize these actions, and they represent a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) Section 605B Blocking of information resulting from a data breach or fraud [ 15 U.S.C. 1681c-2 ], and Section 604 Permissible purposes of consumer reports [ 15 U.S.C. 1681b ].

I have contacted the companies involved and discovered that these actions were initiated without proper validation or original proof from any of the reporting entities. Since I never authorized these accounts or inquiries, they are inaccurate and are the result of either a data breach or the unlawful reporting of my consumer information by creditors or third-party data furnishers.
Product: Mortgage

I applied for refinance of my home with Better.com I have signed my closing papers for refinance on XXXX/XXXX/2020. As per the CD I signed, payoff date was XX/XX/XXXX. But actual payoff happened on XXXX/XXXX/2020. 

I did not get any proactive update from lender about delay in payoff. I continue to make calls and emails to closing expert assigned to my case and they did not respond. 

I have paid prepaid interest from XX/XX/XXXX2020 for XXXX  days. 
I have also paid interest to my current lender til XXXX/XXXX/2020. 

I am supposed to get the final CD after the closing and refund of double interest charged. 
I have called almost everyday and did not get any proper response. I get a response that closing expert is busy in some meeting and will call me back and that never happened. 

Its 2 weeks since I signed my closing documents and still waiting for final CD and refund of double interest charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported an issue with Equifax on XX/XX/XXXX, one of the many issues is that EQUIFAX will send me a copy of my report but has yet to unfreeze my credit report online. This is the XXXX request. Each time I contact Equifax I am told it takes several months to lift the freeze. I removed the freeze on XX/XX/XXXX and still can not have my mortgage lender obtain my credit report. I have missed several opportunities to purchase a home because Equifax will not correct the issue on the system. It should not take XXXX  months to lift a credit freeze. I entered the dates I need but the credit report remains locked. Once the timeframe expires it resets back to freezing the credit report again. My compliant is to correct this and not keep sending paper reports as my lenders need access to my credit file.
Product: Money transfer, virtual currency, or money service

This is going to lead to a suggested resolution to case XXXX.