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

To Whom It May Concern : I called Sears Repair on a complaint that I was not receiving ice from my XXXX refrigerator. A technician was sent out to inspect he informed me that my ice maker was inoperative and that I needed another one, which required 3 different parts for repair. It also required that I defrost and unplug my refrigerator for two days. The parts were sent to my home XXXX delivery. On XX/XX/2019 a second technician arrived to perform the repair after performing his inspection, he determine that I didn't need this repair and parts that was present. It only required the defrosting of the unit, which he explained often happens on this particular XXXX refrigerator. He put in his computer all the information and refund to me credit back to my account. He gave me labels to put on the Parts Packages that I needed to return back to Sear through XXXX on that date. I have all the documents date and time in which XXXX delivered to Sears and whom sign for its return. I have unsuccessfully sent all this information to Sears to present proof of the return and requested that they update their records to reflect but as of to date absolutely nothing as been done. Thank You..
Product: Debt collection

I spoke to XXXX XXXX on XXXX between the times of XXXX from Sequium collection agency. I was told if I paid the amount in full he would send over an emailed letter stating it would be sent over to the credit bureaus for request of deletion. I asked him if " request for deletion '' would be on the letter and he said yes if I paid in full today it would be on there. I ask a couple times before I paid cause it was important to have that information on the letter along with the company name. I received the letter but the information promised was not in the letter. I have not been able to get In touch with XXXX XXXX since. I've spoken to other managers trying to get in touch with XXXX XXXX and I was first told he was in a meeting and he would call me back, after not receiving a phone call I called again and was told he wasn't in the office that day. When I call the number XXXX XXXX gave me XXXX it says the number is disconnected.
Product: Student loan

I received confirmation of my student loan forgiveness from XXXX via both email and USPS dated XXXX. The letter states my student loans were forgiven through the PSLF ( Public Service Loan Forgiveness ) Program. However, Nelnet continues to contact me via phone and email about a supposed outstanding student loan balance of {$71000.00}. Nelnet has failed to prove the legitimacy of this debt. Yesterday, I told them again via phone that the Department of Educations own FederalStudentAid site shows that I have no active student loans listed. In addition, the FederalStudentAid site also clearly states that my loan servicer has processed {$150000.00} in loan forgiveness, and it has been applied to your account. Nonetheless, Nelnet is threatening financial action against me due to a lack of payment- on a loan I do not owe. I would like Nelnet to correct their paperwork to show that I do not owe this loan. In the meantime, I am asking that all collection efforts cease and that Nelnet correct the erroneous credit reporting they have made against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began sending letters in XX/XX/2020 asking for Equifax to delete incorrect addresses from my credit file. They have failed to respond. There are over 10 addresses on my file. This is inaccurate and damaging my credit profile.
Product: Checking or savings account

XXXX  XXXX released a statement saying a partner ( Synapse financial or something ) went bankrupt back in XXXX. Since then, I have not been able to access my funds in that checking account. They claim in their website they're working on getting it restored but it seems like it shouldn't take this long to access my funds when the bank was FDIC insured ( at least they claimed to be ).
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : XXXX XXXX  License ID Number : XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX. 

TransUnion Consumer Solutions, XXXX XXXX XXXX XXXXXXXX, PA XXXX I am writing to request this Bankruptcy is removed from my credit report. How are you verifying this information. None of my other reports have this. This information is not accurate. 

XXXX XXXX XXXXankruptcy : Bankruptcy XXXX XXXX, XXXX {$0.00XXXX XXXX XXXX bankruptcy discharged I don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my Trans union report immediately! 

XXXX XXXX
Product: Debt collection

I found a credit card on my credit report that I have no knowledge of opening. The card is from XXXX   opened on XX/XX/XXXX in the amount of {$280.00}. The account was sold to Portfolio Recovery Associates, They are reporting it on XX/XX/XXXX. On XX/XX/XXXX I filed an Identity Theft Report with the FTC and called the local police. The police said they needed info from the creditor or debt buyer as to determine where the account was opened before they were able to file a report. On XX/XX/XXXX I sent a FACTA letter to Portfolio Recovery Associates demanding information on this ID theft account, and they did not reply with all information requested and delete this from my credit files. Instead, they asked for more information, and reported the Account as " disputed '' under the FCRA requirements. I also contacted XXXX XXXX with a FACTA claim of ID theft, and they have removed this account from my credit files and deleted the reporting with all agencies instead of providing info I requested from them. I filed a complaint with the Office of the Comptroller of the Currency. I've attempted to file FACTA claims thru the Credit reporting agencies, but they will not accept my dispute without a police report. I can't provide any proof unless I have enough account details to be able to file a police report, I've attempted this and the Police will not take my report without sufficient details.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following companies have violated my consumer protection rights : XXXX XXXX  - Account # XXXX XXXX XXXX - Account # XXXX XXXX  XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

I tried contacting these companies repeatedly and no one is helping me and I need an immediate remedy of this situation.

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is formal notice that Credit Bureau has failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date. 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. 
The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. This does not belong to me. 
XXXX XXXX  XXXX Please remove it from my credit report. 
Please note, that you only one Bureau who has reported this negative account on my report. 
Personal information is wrong : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I never lived at this address, please remove immediately! 
The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information.
Product: Credit reporting or other personal consumer reports

Transuion is violating my consumer rights. Transuion is listing a bankruptcy on my credit report. Despite all the proof that I have sent to them that I dont have a bankruptcy. Please tell me how this babkrupty belongs to me and why is it on my credit report. I have not received any proof that transuion claimed to have sent me to verify this bankruptcy Tranunion is in violation of FCRA 605B ( 15 U.S.C. 1681c-2 ). Transuion says they verified the fraudulent bankruptcy but it is not mine. I even contacted the us courts to see why this is happening and per the courts. they mailed and stated to me that " Bankruptcy courts are not responsible for verifying or validating information in consumers ' credit reports ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXX
Product: Mortgage

For the past XXXX months, I have tried to resolve an accounting error with my mortgage lender, TMS ( The Money Source ), regarding my escrow account. They claim that my escrow count is in a grave shortage, but after accounting and reviewing statements, there is an error that they have refused to resolve. 

On XX/XX/2020 they erroneously made a payment to XXXX - XXXX for the amount of {$1000.00}. This amount was never returned to my escrow account. 

When they received my loan in XXXX, there was an initial Escrow amount of {$1500.00}. They dispersed a payment to XXXX, erroneously, and it has not returned to the account. The end of XXXX shows an amount of {$450.00}. They continue to claim that the amount was returned, but through all statements, in the past year, there is zero accounting for it. For reference, they said it was returned in the same month, but obviously, the final XXXX amount is significantly lower. I have called initially once a week, and am now calling them once a day in an attempt to resolve this. They ran fake escrow analysis that gave the same grave number, made me wait two weeks for it when it was supposed to take five business days due to their support error, and now they are saying the next one won't be complete until XX/XX/XXXX, one day after it would be a late payment for my mortgage. I also have no faith that they will magically resolve it then, too.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX asking them to remove inquiries that are on MY credit report. They have sent me things saying that the inquires were verified. I do not have any contracts with the companies. I have called the companies and they can not verify ANY information associated with me I would like to know what steps XXXX took to 'VERIFY ' this. They have not provided me with any proof once again. Please remove the following inquiries. 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 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 and ALL inquires up until XXXX XXXX. I have called these companies I do not have any contract with them nor have I applied for anything. If they say that I have please provide me with my autograph. If no PROOF can be PRODUCED and shown to me please DELETE These are reporting inaccurately on MY report. Please send me the communication and/or method used to verify this. Your website say to call and thats what I did I called the company when I called XXXX I was told I needed to file a fraud report that is not what their website says. This here is my fraud report. 

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

In Accordance with the fair credit Reporting act XXXX XXXX credit union. XXXX # XXXX has 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 account without my written instructions
Product: Credit card or prepaid card

From the end or XXXX - mid XXXX. American Express ran 27 Hard inquiries on my credit file. without my consent In that time period I only applied for increases or new cards about 3 times only! Amex Almost every month for 9 months was denying me credit and putting hard inquiries on my credit. This is fraudulent activity and a 100 % violation of USC 6801 as this is fraudulent and deceptive practices. 

I was notified by XXXX and had them removed all inquires off my file but this still doesn't rectified what AMEX has done. I am willing to settle this here with them through the CFPB I've also attached a copy of my credit report from when the 27 injuries was on there as AMEX never reached out to explain this
Product: Credit reporting, credit repair services, or other personal consumer reports

I reply for credit repair company to help me fix my credit and since then it seems to be misused or misrepresented.
Product: Credit reporting

Experian sent me a reply saying that XXXX may not be able to contact me to discuss the matter, Contact the creditor directly. Firstly I have already contated XXXX twice ( hve the certified receipts to prove so but there was no response from them. Secondly according the the FCRA if a Credit bureau is requesting validation from an Original creditor all documentation from the ID theft victim ( ID Theft Report Drivers Lisc. PHONE # etc. ) must be sent to the original creditor so they may complete a fair and exact investigation XXXX would therefore have plenty of information to contact me. Also according to the FCRA if I request Experian 's investigation process they must do within 15 days of my request I did so and I have the Certified letter receipt letter to prove it. The Account in question is XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX : Acct. XXXX Acct : XXXX
Product: Checking or savings account

On XX/XX/2022, we opened a checking account, in addition to our current high-yield savings account, but this account was only in my wife 's name. We transferred {$15000.00} total to this new account. This was done at the direction of the mortgage company to be able to gift funds for a relative 's home purchase. The following day, we scheduled a wire to the relative 's account. The bank called the relative and verified the accuracy of the account information. On XX/XX/2022 we received notice that access to both of our accounts was restricted ( no moving of money would be allowed ). The savings account is the account we use to pay our mortgage. After over three hours on hold, no one can release the restriction, tell me why the accounts have been restricted, or provide me with a better timeframe than 30-60 days for the review and release of the almost $ XXXX being held XXXX by the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to remove portfolio recovery off my account for almost two years through disputing by letters and phone calls. Portfolio deliberately keep updating incorrect information they bought illegally from another company. I donot have or ever had a legal binding contract with portfolio recovery. I reported this numerous times to experian but they kept reporting inaccurate information on my account. I spoke to a representative at XXXX  on XX/XX/2023 and told him portfolio recovery was not on my other credit reports and his response was we dont care that the other credit bureaus dont have portfolio recovery on your profile but this will remain on your credit report because we go by what the creditor is saying very nasty individual who transferred me
Product: Credit card or prepaid card

i want to close my account cause im not going to use the card for the unemployment and i try contacting them but no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cease & Desist : In accordance with the Fair Credit Reporting Act, this company has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 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 : It also states a consumer-reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer-reporting agency may make any consumer report containing the following information items. Any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

This complaint is due to the Consumer Credit Transaction with this companys financial institution executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) the term document means any information in any form. I demand this company CEASE and DESIST from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes, XXXX, XXXX, and XXXX. The Provisions of 15 USC 6801 ( a ) state, It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

Please be advised that I have not given this company the permission to share my nonpublic personal information. However, I ask this company that if there is a nondisclosure clause in the contract/agreement giving that option to share my nonpublic personal information I ask this company where I can opt out of their sharing of my nonpublic personal information. 15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that before such information is initially disclosed, to direct that such information not to be disclosed to such third party. 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that non-disclosure option. In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, this company furnished my nonpublic personal information to nonaffiliated third parties ( i.e., XXXX, XXXX, and XXXX ). With that said, this company has not only infringed on my rights to privacy but also violated multiple federal laws. I with this request that this company removes the above-mentioned information from my consumer credit report. If they accept my request, I will not escalate this matter to a federal complaint. Thank you for your attention to this matter.
Product: Vehicle loan or lease

I recently checked my credit and noticed that XXXX is reporting inconsistent information with the 3 credit bureaus. On XXXX   they report that the first missed payment was in XX/XX/2017. On XXXX  they report the first missed payment was in XX/XX/2017. And On XXXX they report it was XX/XX/2017. I do not agree with that information it can not be factually accurate. They also report that i went from 30 days late to 90 days late in just 1 month that is also not possible.
Product: Checking or savings account

I opened a checking acct with PNC Bank in XXXX XXXX ( XXXX XXXX Office ) on XX/XX/XXXX. The agent that I spoke with and made the initial deposit with was XXXX XXXX NMLS ID XXXX. Several months afterwards, I called customer service as I needed to edit some information on one of the payees that I had entered into the account. While on the phone with customer service they somehow eliminated my entire roster of accounts. I was told that they could not recover the info and I would have to re-enter it one at a time. As this rendered the account useless I went to PNC and told MS XXXX   what happened and that I wanted to close the account. This was on XX/XX/18. She told me the account was not open 90 days and they would have to charge me {$25.00} to close the account. I withdrew some money at that time and left some money in as I was not willing to close the account and pay the {$25.00} to close the account, essentially paying for PNC 's ineptitude. I returned to the bank on XX/XX/18 to close the account and was told then by MS XXXX  they needed to charge me {$25.00} to close the account as it was not 120 days ( up from the 90 days I was originally told ). After this visit I reviewed the paperwork I received with the account and there is no mention of any fee to close and account. Way too much razzle dazzle!
Product: Payday loan, title loan, or personal loan

I received a loan for {$670.00} and have paid them XXXX for the past 5 months and when I spoke to them today they told me that I still had 5 more payments to make of XXXX. By the time the loan would have been paid off I would have paid {$4000.00} on a {$670.00} loan. After speaking with a lawyer he stated that the company is not licensed in the stated of VA and you could n't find any real information on the company when he searched and that the company had numerous complaints and is part of scam that gets around the law by using tribal or native American laws.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX  XXXX XXXX # XXXX - BALANCE {$3000.00} Account Name : XXXX  XXXX # XXXX -BALANCE {$630.00} Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$3000.00} UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I request that XXXX, XXXX, and Equifax provide the following information to validate this debt : 1. Verification of the Debt : Proof that the debt is valid and that you have a right to report this debt under the FCRA.

2. Original Documentation : Documentation showing that the debt is mine, including the original signed contract or agreement that created the debt.

3. Complete Payment History : A detailed payment history, including all charges, credits, and payments made on the account.

4. Evidence of Reporting Accuracy : Documentation that shows the accurate reporting of the debt, including any communications from the original creditor or collection agency that support the debt being reported as accurate.