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

On XX/XX/2019 I sent a letter to XXXX  asking them to verify the process they use to verify that two accounts included in my credit report. I asked them using the FCRA 611 ( a ) ( 6 ) ( b ) ( iii ), that allows consumers to ask for the description used to verify the information is being reported correctly, I told them that a computer response from XXXX  was not acceptable, they responded on XX/XX/2019 with an XXXX response, I asked them to remove the incorrect information and they did not. On XX/XX/2019 I wrote the same letter to XX/XX/XXXX, see attached letter and they responded the same as above with one letter for the Chapter XXXX, they removed the Chapter XXXX BK, On XX/XX/2019 I wrote the same letters as above to Equifax and they never responded, see attached letters written to Equifax.
Product: Mortgage

I tried to make my monthly Morgage payment. Today is XX/XX/2023 XXXX am. The company website will not take a payment until XX/XX/2023. A late payment is added if payment is not made by XX/XX/2023. It is not fair for the company to refuse to accept a payment in order to collect a late payment.
Product: Credit reporting or other personal consumer reports

I filed the following report against Equifax, now the company has blocked access to my credit report. I can not access my report. I am in the process of getting approved for a mortgage and lenders are unable to access my credit report. I spent over 2 hours on the phone with Equifax on XX/XX/XXXX and was advised my credit report was accessible without freezes, blocks or locks. Please see the attached screenshot. As Equifax is now delaying my loan process and if my reports are not accessible to creditor within a timely manner, this will negatively impact my score, credit worthiness and ability to qualify for a mortgage. I need my reports accessible immediately.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), on XX/XX/XXXX, I submitted a dispute with Equifax, requesting the investigation and validation of a debt on my credit report. I am requesting an investigation into Equifax Credit Bureau, as I am concerned they have violated the Fair Credit Reporting Act by willfully failing to investigate a debt on my credit report from XXXX XXXX XXXX. I requested the following documents be provided to me by Equifax as part of the investigation to validate this debt : Full detailed list of payment history on this account, original signature I agreed to with this creditor, proof of ownership chain and purchase agreement. None of these items were provided. Further, I know this debt can not be validated, as it does not belong to me. XXXX completed an investigation into this same debt, found it to be inaccurate and deleted it from my credit report in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX 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 - DATE OPENED XXXX/XXXX/2018
Product: Vehicle loan or lease

I already submit a complaint and it was closed because the financial institution sent you a letter stating that they contacted the dealership XXXX XXXX XXXX and the dealership agree in canceling the contract. When I contacted the dealership on Saturday they stated that they had no contact with the financial institution and that they did not agree to anything. I contacted the institution today and they stated that they have no knowledge of the letter that they sent you nor have let me speak with the dealership compliance department. For the contrary they are requesting for me to make the first payment of the vehicle that the due date was XX/XX/XXXX.
Product: Checking or savings account

I got my card, physically stolen from me I had {$1200.00} in my bank account and the theft went over that {$1200.00} by {$600.00} and when I disputed it they kept denying it even though I had proof it wasnt me but since I have my own house and I have automatic payments, they didnt approve the dispute, because there is still authorized activity, but that same authorized activity was throughout the account since XX/XX/2020 I didnt realize that my account was being charged until XX/XX/XXXX and I immediately went into the branch a PNC in XXXX XXXX and got a new card a new pen and disputed it. They gave me my money back proved it, and then took it away again saying that a got denied. Now they want me to pay money that I dont have. I dont have the funds for it because I own my own home and Im XXXX XXXX XXXX and theres purchases that I could not buy from like vape shops only XXXX and you have to be XXXX and I have given them proof Ive XXXX to speak with them come in anytime even equal it out to XXXX move on. But at this point, I want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters out certified almost 40 days ago and have not been notified. I dont understand why they do not follow the law. I feel like these clowns taking advantage of normal people.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the multiple unsuccessful attempts to remove fraudulent items from my credit report maintained by Credit Bureaus. Despite my persistent efforts to rectify these unauthorized entries, the issue persists, causing significant distress and impacting my financial well-being. 

I discovered unauthorized and fraudulent items on my credit report, raising concerns about potential identity theft. Since then, I have diligently contacted your dispute resolution department on numerous occasions, submitted detailed dispute letters, and provided all necessary supporting documentation to facilitate the removal of the fraudulent entries. Regrettably, despite my continued efforts, these unauthorized items remain on my credit report, tarnishing my credit history and hindering my financial stability. 

Enclosed with this letter, you will find a comprehensive timeline outlining each attempt made to address this issue, including reference numbers and specifics of each communication. I urge you to thoroughly review this information and take immediate action to rectify the situation. 

The prolonged presence of fraudulent items on my credit report is not only causing financial harm but also creating undue stress and anxiety. As a responsible consumer, I expected a more expedited and effective response from your agency to correct these inaccuracies promptly. 

I urgently request that your agency conducts a thorough and expeditious investigation into the matter, removes the fraudulent items from my credit report, and provides written confirmation of the corrections made. Additionally, I seek clear communication on the progress of the investigation and the steps being taken to resolve this issue. 

If my concerns are not addressed within the specified timeframe from the date of this letter, I will have no choice but to escalate this matter to regulatory authorities and explore legal avenues to protect my consumer rights. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$640.00} XXXX XXXX XXXX XXXX XXXX : {$4800.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$2500.00} XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$640.00} XXXX  XXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$46000.00} XXXXXXXX XXXXXXXX XXXX Balance Owed : {$6300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I filed a dispute with this credit bureau reporting that the bankruptcy account listed on my credit report was inaccurate. XX/XX/XXXX I received this response : The company that reported the information has certified to XXXX  that the inofrmation is accurate. This item was not chaged as a result of our processing your dispute. Pleasereview your report for the details. XX/XX/XXXX I replied to the credit bureau stating that the information reporting on my report is inaccurate. Furthermore, the office of the clerk for the bankruptcy that is being reported on my report, stated in a response letter to me they do not report to the bureaus, they also directed me to their website which states the same : http : //www.alsb.uscourts.govXXXX. Yet this credit bureau has a bankruptcy reporting on my credit and has it listed as the bankruptcy court of XXXX, AL listed as the company reporting it. I would like this bankruptcy removed from my report immediately. If the bankruptcy is not removed within the time given by the law, I would like to pursue relief for the damage incurred by this false reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Credit Management Inc. Reported an incorrect OUSTANDING debt to My Consumer reporting Agencies, Years ago I purchased a secured credit card from, XXXX XXXX XXXX , by depositing an amount iqual to what I wanted my credit be evaluated for, secure deposit for credit, to establish revolving credit records, Years later I ask the bank to close the account, thinking they will balance the credit card debt, and reimburse what was left, instead the reported or sold the credit to collection agency, reported me to the consumer reporting agencies.
Product: Credit card

I am filing a complaint against Synchrony Bank for their recent implementation of a {$1.00} monthly fee for consumers who receive a monthly paper statement in the mail. Synchrony began adding this fee to my Lowe 's credit card in XX/XX/XXXX and will implement it with my JCPenney charge in XX/XX/XXXX. 

As a consumer I do not want to be forced into electronic online banking, nor I do not wish to make my checking account information available to Synchrony Bank. As a consumer, I believe it is might right to receive a free monthly statement from the retailer regarding my charges. I see this as a money grab from Synchrony Bank. I have stopped using my Lowe 's card, however I have an insurance policy through JCPenney so I receive a statement from them each month. When you multiply {$1.00} per month times 12 months that is an additional {$24.00} a year that I will be paying on my account. Multiply that figure times the tens of millions of accounts that consumers have with Lowe 's and JCPenney and Synchrony will easily be raking in well over {$1.00} XXXX a year from this scheme. Many of these stores ' customers are middle to low income and this will create an undue burden for them. 

I believe the government should step in and ban this practice of adding unnecessary charges to consumers ' bills under the guise of helping the environment by eliminating a paper envelope. 

I would like to add that I have been a JCPenney account holder since XXXX and this is the first time in 40 years that I have had in issue with this account.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00} Late/Open Inquiries in Dispute : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was declined a account when I realized XXXX XXXX XXXX XXXX place my information in Chexsystems accusing me of account abuse, I contacted the bank on XX/XX/2022 and the manager I spoke with in the fraud department failed to confirm, what type of account abuse occured and proof of such. Further more I have disputed the accuracy of this information with CHEXSYSTEMS, but they have failed to confirm how they obtained this information, and did not provide me with proof that I authorized them to furnish or share any of my personal information, they responded back with verified by XXXX. 
They did not give me a name or any other documents showing proof of such verification The remedy I want is for this Information from XXXX XXXX XXXX XXXX to be removed and deleted from my CHEXSYSTEMS CONSUMER REPORT
Product: Credit card or prepaid card

This is NOT a duplicate complaint. 
I called your office ( CFPB ) and was told this may be most effective. 
I am submitting this new complaint because I fully disagree with Capital One 's response ( I also attached ) to my other complaint.
Product: Money transfer, virtual currency, or money service

Good afternoon, I currently have a cash app account. On XX/XX/XXXX there was a deposit of {$750.00} placed to XXXX XXXX XXXX XXXX. This is the only account that I have with Cash App. This payment was not deposited by myself nor my son, who was invited to share the account. 

On XX/XX/XXXX, my son forwarded a Cash App deposit of {$1.00} to the account as shown with document dated XX/XX/XXXX. Looking at the area on this document, the area that indicates the source is in question. It indicates XXXX as opposed to its " destination of XXXX XXXX XXXX XXXX. I was trying to email my concerns because I believe that this account XXXX be compromised. Please see discrepancy form for {$1.00}. Please disregard the handwritten from address message as I have since researched and discovered that this is my carrier and the telephone number is correct I contacted the XXXX XXXX XXXX XXXX after examining my financial statement to inquire about the two cash app transactions. I was advised that I needed to speak with Cash App regarding these transactions. I contacted Cash App and spoke with someone however there was a significant language barrier and I could not understand her response. I requested to speak with a supervisor and was disconnected. 

Your assistance in investigating this matter is greatly appreciated, as I do not know how the {$750.00} fund was added to my account and how the {$1.00} charge was not accredited to my account.
Product: Checking or savings account

I am a victim of identity theft. On XX/XX/XXXX my Wells Fargo Bank called me, and stated that my bank account had been used by an unauthorized malicious hacker from XXXX. On that same day I had received voicemail calls from XXXX. My XXXX XXXX was stolen and another malicious hacker from the USA began steeling from my checking and credit card accounts from XX/XX/XXXX to XX/XX/XXXX. They stole XXXX  XXXX dollars from me! I had the same banking checking account since XXXX. I have never had this problem until the first week of XXXX of XXXX. Wells Fargo has denied my claims. This is why I am reporting with your company, so I can receive help!
Product: Checking or savings account

There were unauthorized charges that were made to a lost debit card in the amount of {$1300.00} at XXXX with two separate purchases. Ive tried to work with the bank dispute this matter and it has been unsuccessful. There is no way possible that I made these purchases. No one has my ID or PIN. Please help me receive my money back.
Product: Debt collection

This company still have debt as paid in full and have not removed from my credit report.
Product: Debt collection

I have been requesting for this company to validate the alleged debt, which is my right as a consumer but I haven't got anything yet.
Product: Debt collection

The debt was paid off months ago XX/XX/2019 and the company still refuses to update the credit report, their employees made false report stating that I said I was represented by a lawyer, but all I said was I was refinancing and the payment was coming from my lawyers office because it was paid from a refinance and attorneys pay the debts off XXXX so now they will not talk to me only my lawyer and will not update the credit report, I attached my bank statement showing my last payment of {$.00} .. to the company
Product: Credit card

My additional card holders credit card was stolen he went to check into a XXXX property and noticed his card was missing he immediately notified me and I contacted Comenity bank to inform them of this information as I logged into my online account waiting for an agent at Comenity I saw that the card was being utilized fraudulently. I informed Comenity bank that ALL the charges on my account are fraud as XXXX nor I made any of them and his card is clearly missing. I was advised temporary credits would be placed on the account and the charges reversed. This still has NOT happened. A statement has now generated and Im being asked to pay for these purchases. I am not paying for purchases that were not mine. His card was STOLEN! Comenity needs to remove these charges immediately.
Product: Credit reporting or other personal consumer reports

Inquires on my credit report according to 15 USC 1681 permissible purpose -they can not report anything without my consent.

Privacy act of 1974 prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual.
Product: Mortgage

I got a Loan with GMAC 14 years ago for XXXX. After 7 years ocwen bought them out and I modified my loan. I am actually losing my house now to a short sale or worse foreclosure. We had a short sale set up and the 2nd, my equity line if XXXX decided to foreclose. The sale was set fir yesterday. However they cancelled the sale and now I think the short sale will take place. But ocwen has said my payoff after all these years of paying is {$610000.00}. The original amount of my loan. Please excuse my ignorance but I do n't know what to do. I 've called them at least 20 times and they always say I 'm right, this does n't make sense. Then they transfer me. I never get anywhere.
Product: Debt collection

Every day, for months Portfolio Recovery calls me. At varying times throughout the day, several times a day. And every time its a different number.
Product: Mortgage

We have our mortgage with CMG Financial. They had applied a payment incorrectly that they received XX/XX/XXXX. I made a payment in XXXX while waiting for them to fix the original payment and they made a dual in XXXX. We filed for a forbearance due to COVID and not being able to work for 2 weeks and with our payment being pulled twice really put us in a difficult financial situation. The forbearance was filed XX/XX/XXXX. I contacted them XX/XX/XXXX and discussed a deferment. XX/XX/XXXX I called to check on the deferment and was told there is no record of me applying. I requested to apply for the deferment again and was told it could take up to 30 days to process. I did not hear from them or receive any documents so I called back in XX/XX/XXXX. Again I was told there was no record of my applying for a deferment I asked of there was a paper application or something I could do differently to ensure the deferment application is filed and was told no that they would ensure it gets taken care of. I still did not hear anything from CMG I called on XX/XX/XXXX and spoke to a manager after being told they do not have anything on record of me ever calling or applying for a deferment. They discussed foreclosure or shortage and asked if I could pay the entire XXXX this day. When the manager got on they stated that there was a mistake and she could see my application and I was approved for the deferment and I would be receiving documents in the mail. I called back in today to make XXXX 's mortgage payment because it won't let me online and again was informed there was no record of an application for a deferment. I contacted a housing counselor who called in with me and after speaking with the housing counselor the representative from CMG with employee ID number of XXXX stated he needed to document some things and he would be right back with us and put her on hold for 45 minutes and never came back on the line. They can not apply the payments I have made correctly, their online banking won't let me make a payment online, and they refuse to file my deferment application. I honestly do not know what to do to make my mortgage payment and not have my home foreclosed on.
Product: Mortgage

I have a home equity line of credit with PNC BANK ending number XXXX. I filed bankruptcy in 2009 and this debt was discharged in the bankruptcy. However, they are still on the lien of my property. I realize this, and I wanted to offer a one time settlement to resolve this issue. I called PNC and received a settlement package, and submitted all the necessary documents. My settlement offer was declined with a reason DOES NOT QUALIFY. I understand I do not qualify, but there is NO REASON given to me, WHY I DO NOT QUALIFY. I am attaching the ambiguous letter I have received. After XXXX conversations with the representative at XXXX XXXX XXXX XXXX x XXXX XXXX XXXX XXXX, she can not provide me with reason with what DOES NOT QUALIFY mean. Evidently it is not any of the reasons that are listed on the letter. I just DO NOT QUALIFY for any reason no one knows. I want to know specifically WHY I DO NOT QUALIFY. This is too general of a reason they have given. Perhaps my investor/OWNER OF MY LOAN does not do settlements, therefore, they should never have sent me a settlement package and let me know immediately this. I am left with no workout options, because I do not want to sell my house or do a deed in lieu. Could you help me please.
Product: Debt collection

I am the sister-in-law of an individual. I am completely unaware of his finances and do not speak to him regarding financial matters. 
I have been called twice by an organization named Worldwide Asset Services using the name XXXX XXXX on XXXX XXXX, 2016 and providing no name at all on XX/XX/2016. The individual indicated that a individual with my brother in law 's name was a defendant in a potential civil suit and requested his contact information. I am unwilling to provide contact information for my brother-in-law and when I so stated, the individual on the phone accused me of being, " uncooperative. '' When I objected to his aggressive tone he stated " I am absolutely being aggressive. '' I have no way of knowing if the individual I am related to by marriage is the individual they are seeking or even if they are a real company. I do know that I am not a party to any business relationship with this company. I do not want to receive any more communication from this company. 
The XXXX phone numbers the calls sourced from are XXXX and XXXX. 
On both occaisions I have insisted that they not call me again.