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

XXXXXXXX XXXX  Address XXXX XXXX XXXX XXXX, XXXX XXXX Phone number ( XXXX ) XXXX Inquired on XX/XX/2023 They ran credit for an auto loan, I didnt request a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Apple sacs credit card reported never receiving payments my account was on autopay. After my XXXX was sold I had no way to access this card company account because it was XXXX only platform. I was not aware the card was being used and to my knowledge I had erased my information. From the XXXX however Goldman sacs calls me every day with new balances owed. The auto payments were taken out of my account but I somehow have a new balance of {$800.00} after disputing charges I wasnt able to access or see and talking to them the balance was at {$0.00} and closed. Now theyre reporting past due balance!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX account reporting on my Equifax report. They 've showed it verified and they wont reinvestigate. XXXX and XXXX were n't able to verify that same account. During the time of my investigation was the same time that Equifax had security breech. The name on the XXXX account and the name on my Credit Report does n't match up. I know that because XXXX sent a letter to my home with a different name on it. This account is reporting and it is costing me XXXX points of my credit score. My XXXX and XXXX XXXX are in the XXXX 's. I do n't know what else to do besides send another complaint. Knowing my information may have been compromised during my disputing process and knowing I 'm being penalized would only lead me to take lawful action. All Im asking is that this account be deleted so that I can live my life for my family and get the best interest rates to purchase items that I know I am credit worthy for.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Collection Account Reporting and Request for Investigation Dear Experian Dispute Department, I am writing to formally dispute an entry on my credit report related to an account listed under your agency as a charge-off. The account does not appear on my XXXX credit report but is currently showing as a charge-off on both XXXX and Experian. I believe this information is inaccurate and must be corrected. I have requested validation of this debt in a letter dated XXXX. The details of the account in question are as follows : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$1600.00} Reported as : Charge-Off I request a thorough investigation of this account and a correction of the information on my credit report. As the entry is not listed with XXXX, I believe this inconsistency warrants review to ensure the accuracy of the information being reported.

Please provide me with the following : 1. A copy of the results of your investigation into this matter.

2. A corrected copy of my credit report reflects the updated status of this account.

Please conduct a thorough investigation of this account and ensure that the information reported to the credit bureaus is accurate. If this debt can not be verified or is deemed incorrect, I request that it be removed from my credit report, as it is causing unnecessary harm to my credit standing.

Due to the CFPB lawsuit filed against Experian on XX/XX/XXXX, I request that you perform a comprehensive investigation as mandated by the FCRA. 
It is my understanding that under the law you have 30 days from receiving this letter to verify this item. Failure to do so within the 30-day period constitutes reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the address above. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification.

Please provide me with the results of your investigation and any supporting documentation for your findings. I would appreciate a prompt resolution to this matter in accordance with the Fair Credit Reporting Act ( FCRA ).

Thank you for your time and attention to this issue. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent disputes every 45 days since XXXX. XXXX  hasn't responded and when I call them they refuse to provide any information. One of the companies I was able to speak with over the phone has said they've requested the urgent to be removed from my  report since XXXX and XXXX has refused to respond. I have the email from XXXX executive office stating that it should be deleted and XXXX still hasn't responded. 
XXXX  keeps saying an account is verified but when I call the company they say they have XXXX the account out and is no longer able to assist me. I request documentation but hasn't received anything from them. XXXX  also refused to respond or update my file. Experian says the information is updated after receiving information that XXXX has requested it to removed from my credit report and all refuse to.
Product: Debt collection

On XX/XX/XXXX i sent Jefferson Capital systems a VALIDATION of debt request, requesting certain documentation that can prove the debt is valid and that the debt belongs to me. Jefferson capital  then sent me a fraudulent bill. I asked for a signed contract note, and other documents be sent to me which should be easily found and provided if this debt is valid. Verifying my name and address is NOT validation of debt. Jefferson Capital MUST under the FCRA provide me with all of the documents i requested under the FCRA and the fair debt collection practices, but as of yet has not. Please see the document attached ( 2 ) as i sent them a validation request and a second notice to let them know that the requested documents have still not been received. The attached notification were sent certified mail and verified received. The solution to this issue from Jefferson Capital is that it cease and desist all collection efforts and that the alleged debt be removed from all 3 credit files within 30 days of this complaint. If Jefferson Capital refuses this resolution it MUST provide the following : The agreement with your client which legally grants Jefferson Capital the authority to collect this alleged debt. 

The signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector. 

Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

All statements while this account was open. 

No other resolution will be acceptable in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX 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 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
Product: Credit card or prepaid card

The complaint is regarding a Chase XXXX XXXX credit card. This card has been open but has remained inactive for years. It came to my attention in XXXX of this year that I had an outstanding balance secondary to the yearly fee. In XXXX I spoke with customer service and was told that the account would be closed and all of the fees would be waived and that I would have a {$0.00} balance. 

On XX/XX/2022 I realized that there was an outstanding balance listed on my credit report for several XXXX dollars related to this account. I called J.P. Morgan Chase customer service on the above date and described the phone call in XXXX. At that time, they stated that they would perform a " call pull '' and review the phone call in question in XXXX. They stated that they would rectify the problem if I was in fact told that the account would be closed and there would be no further fees/account balance during the XXXX phone call. I was told I would receive a call back in XXXX to 10 days On XX/XX/2022, 14 days after the initial call, I called back to check on the status. Customer service informed me that my account was sent to collections on XX/XX/XXXX. They stated that they were obligated by law to perform the call pull within 14 days. They stated that they would attempt to do so and call me back in XXXX business days. 

On XX/XX/2022, received a call from customer service stating the reason for the late fees. They confirmed that the account was closed and that there were late fees that were due. They did not perform the " call pull '' to review the call from XXXX as they mentioned they would. 

Ultimately, I was told in XXXX that the account was closed and that I had a {$0.00} balance but despite this, the fees remained active and were ultimately sent to collections after I started to further investigate in XXXX. The call any question in XXXX was never reviewed after numerous calls to customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is claiming I was late 3 or delinquent 3 times on my credit report. XX/XX/2019, XX/XX/2019, and XX/XX/2019. Ive tried several times to get this corrected and prove that I was not delinquent, however when I try to access my statement history for anytime past 3 months, the system doesnt allow me. Ive called in several times regarding this issue and have been transferred to multiple departments, all of whom also cant access this report. Ive disputed this with XXXX, XXXX & Experian to provide proof I was late so I can see this information, Fairwinds has claimed I was more than 30 days late 3 times and that I hadnt made a payment in the 60 day timeframe, I however have attempted to using my XXXX XXXX  with account # ending in XXXX. Their website rejects the payment as an external source without explanation or notifying me, so I can use their banking services. An executive with the company denies this, which of course is a lie. Ive called in to make payments using external banks and they charge erroneous & unduly fees on the consumer. They claimed to have sent me letters explaining the delinquency, however they sent it to a wrong address that is not on my credit report. They repeatedly refuse to rectify this. Ive emailed XXXX XXXX - CEO and got a response from one of his executive who claims that this information is accurate and refuses to provide proof or any investigation into the myriad of phone calls Ive had with multiple departments, so I cant access previous statements, get an investigation into the several phone calls and I have his executive saying thats all part of the FCRA and thats why they cant remove it. This information is reflecting negatively on me & my creditworthiness. Its unduly, burdensome, erroneous, misleading, inaccurate and Im asking for it to be removed.
Product: Mortgage

I have owned my home in XXXX, MO for close to 7 years. I took out an FHA mortgage loan through PNC Bank to buy the property. I have run into some financial difficulties in the past year and have missed some mortgage payments. I am filing this complaint because PNC Bank has been difficult to deal with, has not given me requested information, has not completed reviews and seems to be purposely trying to stop me from getting reviewed for government programs. The only option they are providing is to reinstate the full past due amount which is now close to {$7000.00}. I am not able to do this and believe there are other options available, but PNC Bank is saying there is nothing I can do except make the full payment or they will foreclose. 

I began struggling financially a few years ago. I am a XXXX, and when there are jobs the pay is very good. But there was a period where they jobs were few and far between and I began using all of my reserves to keep up with the mortgage loan. In that same time frame my brother passed away and this was a financial and emotional burden and put me in a deeper hole. I reached out to the agents at PNC at that time to see if I could be considered for any type of assistance and it was a very difficult process. I submitted the same documents over and over and seemed to get no traction with PNC and was eventually told that I did not qualify for any help. 

I continued paying as agreed, but last year when I had some down time from work again there was no money left to pay the mortgage payment and I fell behind. I could not make any progress with PNC so I began working with a third party to attempt to get some type of resolution. I was told again that I do not qualify for help. I asked for a solution and was told that I had to pay the full past due balance, PNC would not accept a regular mortgage payment from me. 

Now I am getting harassing letters from PNC Bank stating I will be going into foreclosure if I do n't reinstate the loan. However, I know there are MANY programs available for homeowners with FHA loans that would give me the chance to save my home -- modification, forbearance agreement, partial claim, repayment plan etc. I am not that far behind and I make a pretty good living -- I just ca n't understand how there are no possible programs that I qualify for? It just does not make sense. PNC Bank did not issue a written denial detailing what programs I was reviewed for and why I supposedly " do not qualify. '' Additionally, they repeatedly scrutinized the documents that were submitted and made me submit and resubmit over and over and made me feel like I had to jump through hoops to even get the time of day from them. 

I have put a lot of money and sweat equity into my home and do not want to lose it and want PNC Bank to work with me.
Product: Credit reporting or other personal consumer reports

In accordance with Section 602 ( a ) of the Fair Credit Reporting Act ( 15 USC 1681 ), it is emphasized that consumer reporting agencies, such as XXXX and XXXX, must conduct their responsibilities with fairness, impartiality, and a sincere regard for the consumer 's right to privacy. As the consumer in question, I assert my right to ensure that my private information is not shared, supported by Section 6801 of 15 USC, which asserts that financial institutions have an ongoing obligation to respect customer privacy and safeguard nonpublic personal information.

It is crucial to note, as per Section 604 ( a ) ( 2 ) of 15 USC 1681, that any consumer reporting agency, including those aforementioned, is only permitted to furnish a consumer report in accordance with the explicit written instructions of the concerned consumer. In this instance, I have not provided consent, written or otherwise, for the furnishing of my information to credit agencies, as explicitly stated in Section 6802 ( b ) ( c ).

Moreover, Section 1681s2 ( a ) ( 1 ) ( A ) of 15 U.S. Code emphasizes that no person should furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. XXXX and XXXX, by reporting adverse information without my permission, are in violation of the law outlined in Section 1681C ( a ) ( 5 ), which restricts consumer reporting agencies from including certain adverse information in reports without authorization.

Additionally, these agencies are required by 15 U.S. Code 1681e to maintain reasonable procedures to prevent violations and limit the furnishing of consumer reports to specified purposes. It is evident that XXXX and XXXX are not upholding these reasonable procedures. 

Furthermore, 12 CFR 1016.7 emphasizes the consumer 's right to opt out at any time. In exercising this right, I hereby declare my decision to opt out of the reporting services provided by XXXX, XXXX, and any furnisher of information to credit agencies. Any consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

In conclusion, I urge strict adherence to the legal provisions outlined above and expect immediate cessation of any unauthorized reporting of my information to credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to dispute the company, XXXX XXXX XXXX, off of my credit report but XXXX has not wanted to remove it. The creditor, Self Inc, has sent me a letter confirming that this debt was opened fraudulently and it should be removed but XXXX is continuously keeping it on there even after I have submitted the proof. I have even had the creditor contact XXXX to let them know that this debt is not mine but to no avail.
Product: Credit card or prepaid card

Tried to transfer the points I earned and my account was being reviewed. Can't book the flight I want to.
Product: Vehicle loan or lease

I was denied an auto loan based on my credit score according to navy Federal. Months later I received a letter stating that they may have made a mistake by denying me. At the time of my loan request my credit score was at or above XXXX. So I was at lost for why I was denied.
Product: Mortgage

On XXXX XXXX my mortgage company, Ditech, completed my escrow analysis and showed that I had an overage of {$160.00} and that it would be paid out in 5 business days. I have not yet received. I contacted Ditech in XXXX, via phone, and was told they had implemented a new system and it was preventing the checks from being sent out, that it would be sent in 10 business days. I contacted Ditech twice more via phone, every 10 business days and kept getting the same explanation. I have not yet received the overpayment. As I was getting nowhere via phone, I contacted Ditech via their messaging system on XXXX XXXX and again XXXX XXXX in response to the same issue. I have received letters from Ditech stating they are looking into it. Ditech sent me the letter stating they were going to send me a check, I am not sure what they are looking into? 

I have also requested, via their messaging system, that they no longer send me anything regarding refinancing, that due to their inability to process an escrow overage check, I have no interest in refinancing with them. Ditech continues to send these notices. 

I am hoping someone can review this information and get Ditech to issue my overage check and quit mailing me the refinance letters. They have wasted more money on the refinance letters than had they just sent my check.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 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 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