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

Experian is reporting a fraudulent address on my credit file, along with 3 fraudulent hard inquiries, and some fraudulent account ( s ). I have tried disputing this address and accounts with Experian and they do not resolve the problem. I have never lived at this address and all of my information are not linked to this address. It appears to be only XXXX  XXXX Reporting the FRAUDULENT Account 's and fraudulent address, and then Experian is stating they are VERIFYING THE FRAUDULENT ADDRESS. That address hasn't previously been on my file and I HAVE NEVER lived there. 

Hard Inquiries that are fraudulent - XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX. 

Fraudulent Address - XXXX XXXX XXXX XXXX Tx XXXX. 
Fraudulent Accounts - XXXX XXXX XXXX opened XXXX Account number listed on the file. 
XXXX XXXX Account - Opened XX/XX/XXXX Account # XXXX Balance listed as {$2100.00} ( Entire Balance and account fraudulent ) XXXX XXXX Account # - XXXX Balance {$830.00} In addition to the fraud Experian is reporting a XXXXXXXX XXXX  on my credit as previously late now current. The account was never late, In fact XXXX XXXX sent me a letter just last week stating that the late charges were inaccurately reported, and that they confirmed that one of their agent 's had made a mistake with the fraudulent charges on my account and they forgot to remove some of the charges. They ended up removing the charges and then sent me a refund for the other balance which was a credit of {$140.00}. They also stated they would update all 3 credit bureaus reporting the account was never late and is paid and closed. Yet Experian is reporting a late payment which contradicts the company 's letter that was signed and sent to me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several charges on my XXXX XXXX account # XXXX, that I believe to be the result of fraudulent activity. As a consumer protected under federal and state laws, including the Fair Credit Billing Act ( FCBA ) and the Electronic Fund Transfer Act ( EFTA ), I am exercising my rights to challenge these unauthorized transactions and request a thorough investigation into this matter.

The unauthorized charges in question are as follows : XXXX XXXX Account number XXXX Balance {$2100.00} Date opened XX/XX/2019 I assert that I did not authorize this credit card and have taken immediate steps to protect my rights and mitigate any further damage to my financial well-being. Pursuant to the FCBA and EFTA, I demand that you promptly investigate these charges and provide me with written acknowledgment of receipt of this dispute within XXXX  days, as required by law. 

Furthermore, I request that you : Provide me with copies of all documentation related to these disputed transactions, including but not limited to transaction records, merchant agreements, and any other relevant information.

Temporarily credit my account for the disputed amount while the investigation is underway, as mandated by the FCBA.

Cease all collection efforts related to the disputed charges until the investigation is completed, as stipulated by federal law.

I am aware of my rights under the FCBA and EFTA, including the right to request a written explanation of the results of your investigation and to dispute any findings with which I disagree. I also reserve the right to seek legal counsel and take further legal action if necessary to protect my rights and interests as a consumer.

Please treat this matter with the urgency and seriousness it deserves, as failure to comply with federal and state consumer protection laws could result in legal consequences for XXXX XXXX. I expect a prompt and thorough resolution to this dispute in accordance with applicable laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know how many times I had sent letters to TransUnion to delete the information that is not accurate on my credit report and they are not even sending me a validation letter. I don't even see that the account is been investigated. Every month I send a letter and no response from them.
Product: Mortgage

To Whom It May Concern, My name is XXXX XXXX, and my account number is XXXX. I have been a satisfied customer of Shellpoint Mortgage Servicing for 3  years. 

Back in XX/XX/2020 ( early pandemic stage ) Shellpoint ( in charge of managing my primary home mortgage ) reached out offering several alternatives for customers experiencing economic hardship. At the time, and being a small business owner, I decided to accept on one of their offer programs and enter a 3  month forbearance program Come XXXX, 2020 I contacted Shellpoint once again, and a customer service rep offer and suggested to extend for another month. Came XXXX, and things changed. After submitting a significant amount of documents and financial statements I was told I didn't qualify for any other programs and was instructed to bring the account current. Suddenly a " new program '' appeared and I " qualify '' for some sort of loan modification. I had to declined such offer since that prevents the ability to refinance the property for a 2 year period. 

To my surprise ( and after having a pre-approval from a conventional bank ) Shellpoint had reported my account as LATE to all credit bureaus, preventing a refinance to be completed. I rushed to reach out to Shellpoint and interesting enough one of their representative acknowledge a THIRD PARTY PROVIDER had made an error and several thousands of their clients had incorrect reporting on their credit history. 

3 weeks have passed, and so far no action has been taken from their part, preventing my ability to complete the refinance process. 

I have instructed my ability to bring the account current ( principal, interest and escrow ) immediately, as LONG they clear this out. 

Thank you very much for your time, but at this point I can't afford to put at risk my home, my family and any sort of legal matter this could bring along if no action is taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Checking or savings account

I was incarcerated in 2021 and that entire year a " friend '' XXXX XXXX, got control of my phone, thus online connection to my USAA bank account and got her self added to my account, she got a representativeto send her a signaturecard to be added as a user to my account. She stole over XXXX and the bank only reimbursed me for the money she took by swiping a debit card. Not reimbursing me for the multiple XXXX wire transfers or XXXX transfers. Your company should refund those transfers and XXXX as you allowed hee to gain complete access to my account with no questions. I've been a member for 20 years. I'm going to take you to court. I am going to spread this story across social media.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX  XXXX {$270.00} XXXX XXXX {$190.00} XXXX   XXXX {$3500.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Credit card or prepaid card

Purchased ink on XXXX was last purchase I made. Shortly after five fraudulent charges ( see attached letters dated XX/XX/21 and XX/XX/21 ) were made on XXXX on XX/XX/21 and posted on my credit card on XX/XX/21. Within two hours I contacted Barclays card services at ( XXXX ) XXXX and reported the fraudulent charges. Told them I did not authorize, purchase or receive anything. The company put a freeze on my account and reissued a new card to me. Sent me a letter on XX/XX/21 and XX/XX/21 stating that an investigations was performed and the charges were valid and put back on my account. Letters of dispute dated XX/XX/21 and XX/XX/21 ( attached ) were sent to Barclays card services. In both letters I told them that I had not authorized, purchased or received anything and that the charges were fraudulent the result of identity thief. The company keeps telling me that I made the charges I have not been able to change their minds and receive resolution.
Product: Debt collection

I was contacted today by a woman claiming to be an attorney fro m Vance and Huffman Law Firm. She claimed that I had refused to pay a debt and then asked for identifying information including my social security number. When I would not verify the information she threatened to sue me and go after my " assets '' for g iving false information. Then hung up on me. I Looked up the debt and it is 14 months past the statute of limitations for the state the debt was opened in, as Texas has a 4 year statute across the board. This account was opened  XXXX   XXXX   2012 . I was not informed that the call was being recorded nor was I informed that it was a debt collection call or that the information requested would be used for that purpose. This company is practicing illegal debt collection acts and pursuing debts that are outside of the legal time allowed. This is harassment.
Product: Debt collection

I had XXXX service for several years and already outside the contract window. After numerous issues with their service I decided to cancel. XXXX continued to send me bills which were invalid. They need to stop harassing me.
Product: Credit reporting or other personal consumer reports

I am writing to demand the deletion/removal of an unlawful and inaccurate report on my account. XXXX XXXX has unlawfully given my nonpublic personal information, personally identifiable information, financial information without my consent to a third party. I have not given consent, written instruction or permissible purpose for this to be reported, shared or sold. This is also a breach of the arbitration agreement. The accounting question is from Zion bt holdings who does not have certificate of authority to transact business in Pennsylvania making the contract void, unenforceable and illegal. Furthermore Zion has harassed me constantly even after me telling them they legally need to cease and desist. These are all violations of the FDCPA, FCRA, GLBA, ETFA, this is also fraud identity theft, harassment, i demand the account be removed by all credit reporting agencies and the 3rd party. In addition to the deletion of the account and rapid rescore I expect my privacy right to be respected and I expect all parties to act in accord with the law. Including all applicable tax law. Both companies have refused to send 1099 c despite the account being a charge off for well beyond the time permitted by The IRC. This illegal, unlawful and inaccurate reporting is damaging my credit worthiness and if it continues I will be forced to alert the SEC, FTC IRS and every applicable legal entity to resolve this matter. There are also several violations of state law. Rather than pursue all of these in court, I simply demand the item be removed in accordance with the law. Then all parties are made whole. Any further communication that doesn't involve removing the account will be considered a failure to cure. This notice to all parties involved any further any further non compliance will be considered willful. Thank you in advance for your attention and care into this matter
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent certified letters to TransUnion, XXXX, and XXXX stating that my credit report contained inaccuracies. On XX/XX/year>, I sent a certified letter to all three credit bureaus updating my social security number, birthday, employer, and phone number. On XX/XX/year>, I send another certified letter to all three credit bureaus requesting an update on my address and inaccuracies on my credit report. On XX/XX/year>, I received a letter from XXXX requesting my identification information. I sent identification information enclosed in the XX/XX/year> letter. The identification letter sent by XXXX is unclear because the letter cites 2 different addresses to send information. I sent another certified letter on XX/XX/year>. I have not yet received an answer to this letter. I received a dispute results letter on XXXX XX/XX/year>. My current name change and address were not addressed in the dispute letter. I sent a certified letter dated XXXX XX/XX/year>. The update of my address and name seems to be deliberately overlooked. None of my information is being verified against my credit report. I received XXXX depute reports 1 day apart. Disputes are supposed to take up to 30 days. My duputes took 1 day. I sent another certified letter to XXXX dated XXXX XX/XX/year> containing the inaccuracies on my credit report. I received a dispute letter dated XXXX XXXX, 2024, stating they verified information with the creditor and not verified on my credit report. The addresses listed are not the same as those in the letter dated XXXX XX/XX/year>. I do not know where the address came from, and I never lived in Texas, Indiana, Florida, or Colorado. I seems that XXXX is cross-referring credit data with the wrong people.
Product: Credit reporting or other personal consumer reports

Re : Request for Damages pursuant Fair Credit Reporting Act ( FCRA ) due to willful negligence According to my records of previously submitted disputes/documents via USPS, CFPB, and/or your online portal, you were in receipt of my prior communications and were obligated by law to take investigate my claim for action within 30 days of receiving notice of dispute. Knowing that this is a lawful obligation of yours, you both knowingly and willfully failed to delete the disputed information with ACCOUNT ( XXXX  ) Additionally, you have not communicated any probable error that would prevent you from completing this as everything that is NEEDED to fulfill my request was included in my initial dispute. There was no cause for you to stall or reason for you to stall, procrastinate, or refuse your duties. 
Therefore, I am now demanding the immediate removal of the disputed information. Under the provisions of the FCRA, you are also liable for damages, as outlined in 15 U.S.C. 1681n- 1681o. In addition to removing the disputed information, you are required to issue a payment of {$1000.00}, made payable to my name as indicated in the letterhead above. For your convenience, I have included a completed IRS W-9 form to assist with your accounting or legal tax obligations. 
I want to be explicitly clear that this is not a notice or attempt to start a new dispute. Ive already attempted to rectify this affair with you. By law, you are only allowed 30 days from day of receipt to dispute, and that time has since elapsed. 
I expect you to remove the disputed information immediately, provide proof of its deletion, and send the {$1000.00} payment to my mailing address listed above. This must be completed no later than fourteen ( 14 ) days from the date of this letter. Failure to comply within this timeframe will result in my referral of this matter to a consumer attorney to evaluate potential legal action in federal court. Receipt of the deletion confirmation and payment will constitute a full settlement and release of my claims. 
. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting 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 : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXXXXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX  ) XXXX XXXX : {$920.00} ; XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I went online to see about a personal loan for {$20000.00}. I filled out an online form to see what my rates would be. I included my checking account number and bank information. I when to proceed to see my rates and I was told I am approved for the loan. I never signed anything. The money is now pending going into my account, but for only {$18000.00}, not {$20000.00}. I called and told them I do not want the money and that said I can just pay them back, but I owe them the full {$20000.00}. I do not accept this money, I have called XXXX XXXX ( my bank ) and they are trying to stop the transaction. Please help.
Product: Credit reporting or other personal consumer reports

I have previously submitted a complaint to Equifax through the CFPB, by mail, by phone, and via their official website, providing all necessary documents to verify my identity in various formats. Despite these efforts, when I contacted Equifax today to inquire about the status of my dispute, the representative, informed me that my identity could not be verified and requested that I resubmit my documents. I clarified that I had already provided all required documents through multiple channels, including the CFPB, mail, and the Equifax website, yet the information remains un-updated in their system. The representative apologized and insisted that I resend the documents. When I requested to speak with a supervisor, I was informed that none were available and was advised that assistance could not be provided without verification of my identity. 
Additionally, I am encountering issues with my Equifax online account associated with the email " XXXX. '' I am receiving the following error message : " Please give us a call and provide this code to the agent : XXXX. Your Equifax credit report and score are not available at this time due to a technical error. Please call Customer Care at XXXX ( XXXX ) .Our call center hours are : XXXX XXXX  to XXXX XXXX  ( XXXX  ), Monday through Friday, and XXXX XXXX  to XXXX XXXX  ( XXXX  ) Saturday and Sunday. '' I request that Equifax update my documents, which I am resubmitting with this complaint, and promptly update my credit report. The persistent issues I have encountered with Equifax are not experienced with other credit bureaus, and I urge you not to cite security concerns as an excuse for these problems. If security were genuinely prioritized, Equifax would not have such a high number of inaccuracies in the first place. I HAVE ATTACHED TO THIS COMPLAINT MY PASSPORT, SOCIAL SECURITY CARD, DRIVERS LICENSE, AND MOST RECENT BANK STATEMENT FOR VERIFICATION OF IDENTITY
Product: Credit card or prepaid card

On XX/XX/2019, my wife, XXXX and I responded to an invitation from XXXX XXXX to meet in XXXX XXXX regarding signing up for a resort membership. We succumbed to the presenters ' blandishments and agreed to sign up for a lifetime, bequeath-able vacation package. The up-front fees were {$6000.00} which we tried to pay with our own existing credit cards. The presenters insisted that we use one of their own proffered credit cards issued by Comenity-XXXX   Rewards Mastercard. 
The Card numbers were XXXX for XXXX XXXX and XXXX for XXXX XXXX. 
These were presented as " no interest for six months '' cards but later it transpired that that promotion was only applicable based on a monthly minimum payable due on or about the XXXX of each month. 
Accordingly I had set up two auto-payments per month from my bank for each of the cards. In a display of gross in-efficiency the bank applied both those payments to the same account and to compound that in-efficiency or perhaps mal-feasance, it even charged a late fee to the account to which the payment was not applied. After much effort and several calls to the bank 's customer service department I was able to get the two payments applied to the accounts they were intended for and also have them reverse the late fees. 
On XX/XX/2019 my bank, XXXX XXXX, mailed out the entire Principal Balance due on those cards, the statements for which had a due date of XX/XX/2019. It would appear that the payment would have reached COMENITY by that due date. Unfortunately, the payment was posted on XX/XX/XXXX, enabling the payee to assess a significant LATE FEE on the statement for a due date in XX/XX/2019. I had no control over the posting date by COMENITY. Since then COMENITY has been charging a Late Fee in each month and adding a Minimum Interest payment on those illegitimate Late Fees. At this point that bank is demanding {$140.00} and {$140.00} on each of the cards. These amounts are comprised only of LATE FEES and ACCRUED INTEREST on those LATE FEES making such Fees a considerable source of Income for the Bank which is refusing to reverse the initial fees assessed on the XXXX payment. I have made that request at several management tiers of the bank. In hind- sight I believe that the bank deliberately delayed posting the XXXX payment merely to have justification to assess those fees. I reiterate that the entire Principal Balance has been paid off and the balance now being demanded is only the snow-balled total of Illegitimate late fees and interest on those fees, thereby compounding the mal-feasance of this bank. 
It is requested that the COMENITY BANK be prevailed upon to reverse those charges under advice to the Credit Bureaus which have marred our credit scores
Product: Mortgage

I refinanced my home in XX/XX/2020, and contacted my mortgage holder ( XXXX XXXX ) asking them NOT to process the automatic monthly mortgage withdrawal for the upcoming month from my bank account, as the loan would be completely paid off within the next few days. I spoke with XXXX XXXX reference No. XXXX on XX/XX/XXXX at XXXX, she received approval from her manager NOT to process the auto withdrawal. Yet, I later checked my bank records and my payment of {$1400.00} USD was  withdrawn. 

The loan was paid off by my new mortgage company ( XXXX ) and I e-mailed XXXX XXXX requesting a refund of my payment of {$1400.00} USD. I sent in bank records and proof of the erroneous withdraw as they requested - they stated a 15 day resolution period. Here it several months later ( and  numerous correspondence ) with no refund. The XXXX XXXX complaint No. is Refund : XXXX ( XXXX ) XXXX XXXXXXXX contact info is ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX PA XXXX