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

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the XXXX XXXX XXXX and I also have enclosed copies of the XXXX XXXX XXXX XXXXdentity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditor that is reporting this information on my report and because of this I am now asking you for more information regarding these particular items in question : XXXX XXXXXXXX Balance Owed : {$250.00} XXXX XXXXXXXX XXXXXXXX Balance Owed : {$340.00}. Again as previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update these disputed account. Please forward me the name and addresses of persons contacted. Fifteen ( 15 ) days from receipt of this letter is the length of time you are allowed under 15 U.S.C. Section 1681i ( 5 ) ( A ) to complete these actions unless you notify me otherwise. It should be understood that failure to verify within this time constitutes non-verification, and the items must be promptly updated according to Section 1681i ( a ).
Product: Credit card

I rented a car through XXXX on XXXX XXXX XXXX in New York City for the dates of XX/XX/2023 through XX/XX/2023, and they did not provide me with an XXXX XXXX ( that I requested ), and this resulted in additional charges. However, the price of my XX/XX/XXXXday rental was initially {$320.00}, and I was charged an additional {$290.00} upon returning the vehicle ( I never received a receipt to explain the charges, and I can not get in touch with an XXXX representative over the phone ). I returned the car on time and with no damage, and I did not incur {$290.00} in tolls driving to Delaware and back. 

I tried submitting a dispute for the additional {$290.00} through the Chase Bank app, but they redirected me to a phone line with long ( XXXX hour ) wait times. I would like Chase to reach out and help me dispute this erroneous charge. Thank you!
Product: Debt collection

I am filing this complaint because I have noticed that a debt collector by called Central Portfolio Control furnished a tradeline on my consumer reports as an attempt to collect an alleged debt. I was not notified personally regarding the alleged debt nor is the tradeline reported correctly in my consumer report. Central Portfolio Control is liable under the FDCPA 15 USC 1692e ( 10 ), 15 USC 1692d ( 1 ), and 15 USC 1692e ( 2 ). The reason I state this is because the opening date does not align with the date the reported the account on the payment history a violation of the FDCPA 1692e ( 2 ), they are attempting to collect even though I have not received any right to dispute the debt from them, enough information to verify the alleged debt, nor any notice that " it was an attempt to collect a debt '', a violation of the FDCPA 1692e ( 10 ). Lastly, this company is ruining my credit reputation by reporting materially misleading information to my consumer report and because they have not fulfilled proper procedures in accordance with the FDCPA regarding the communication aspect before furnishing their tradeline.
Product: Credit reporting, credit repair services, or other personal consumer reports

account on report thats not mine requested that they verify the accont using original signed contracts as required XXXX # XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I have filed disputes into the accuracy of payment history through Equifax and XXXX regarding my XXXX XXXX XXXX mortgage account. Regardless if XXXX reports to these companies now both credit monitoring bureaus are suppressing the account from my credit report because XXXX is failing to respond to active disputes. 

I would like XXXX to prove they have in fact responded to active disputes through XXXX and Equifax. The agencies have told me since XXXX has not responded to the disputes the account will remain suppressed until they finally respond. The XXXX dispute was from well over 6 months ago. After XXXX  days XXXX begins to suppress the account from a failure of the creditor to respond. A similar policy is held with Equifax. 

XXXX must respond to disputes with both agencies to allow the account to appear on my credit report again. 

I reiterate -because of XXXX failure to address this in a previous complaint- I am NOT arguing the accuracy of my paymeny history on this complaint. I am arguing that XXXX has failed to respond to disputes on Equifax and XXXX which have caused the account to become suppressed regardless of if they continue to report the account or not. They MUST respond to disputes as they have intentionally failed to in an effort to damage my credit score. 

The documents I've provided show all of my active accounts minus XXXX which is active but suppressed from their lack of response to open disputes.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries for credit. This is fraud XXXX XXXX XXXX Inquiry date Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date Removal date XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date Removal date XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX on XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts which i believe were reporting in error. 

XXXX  XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX Balance : {$2500.00}
Product: Money transfers

I specialize in XXXX, XXXX, XXXX etc. I have a few clients that pay with electronics which in turn I sell as I get them on ebay. I have quite a few that came in over the holiday and Paypal decided to lock my account without warning. They stated that it was a high risk account and it was linked to another account that they have not released to me. I have reached out to them as of Sunday XX/XX/2017 @ XXXX with no resolved. My money is being withheld for 180 days. I attempted to reason with them and I got nothing. The call ended with a supervisor by the name of XXXX ( male ). He advised that I write a letter to their corporate office.
Product: Checking or savings account

XXXX. Made phone call to " XXXX '' from email I received regarding possible fraud on my XXXX account. ( And yes, I know not to do this ) XXXX. Spoke with XXXX /said the charge of {$550.00} would have to be corrected in a program that I would have to access. After accessing program, I was instructed to enter several fields ( and NOT to make any mistakes ), In the field where I was to enter {$150.00}, I thought I entered {$150.00}. However, I believe the program was designed this way on purpose. Then XXXX told me I had just entered {$15000.00} in my bank account and I would have to write a check to withdraw the funds. 

I wrote check for {$15000.00}, went to bank, cashed check, returned home. XXXX instructed me to put the money inside the pages of two books and mail to address I was given. 

At this time I knew this was strange but did not know how to correct the situation since I had initiated the phone call. 

During this time also, XXXX stated that someone in his office made a mistake and had deposited {$1700.00} in my account and I would need to go to XXXX and buy three {$500.00} XXXX gift cards which I did. With the remaining {$200.00} I was to mail the two books " next day '' with money inside to : XXXX XXXX XXXX, XXXX, CA XXXX, XXXX XXXX XXXX. This is a XXXX store. 

XXXX instructed me not to tell anyone about these transactions and I was not to do any banking for 24 hours from that Friday. 

The {$15000.00} and {$1700.00} were not my money to begin with. It was their funds. I never gave XXXX permission to withdraw any funds from any of my accounts. I now believe XXXX hacked into my computer and transferred money from my XXXX XXXX XXXX and transferred money to my checking account and withdrew my money that way. 

I also filed a report with XXXX XXXX XXXX Police Department as I live in town limits ; they checked it out; told me there was no way they could pursue matter. 

I have since closed all my accounts with Truist except for a low interest Master Card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX and SYNCB/CARE CREDIT. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX and SYNCB/CARE CREDIT with no successful resolution. There was definitely an error on their part.
Product: Checking or savings account

My Bank of America account had fraudulent withdrawals made last year in XXXX, I have submitted multiple complaints, provided police reports, faxed multiple documents such as I.D . that was all requested by the BOA claims department, even received photos of the the person making fraudulent transactions, however, upon calling I am never told a status update on my claim. Thinking all the evidence provided and that the bank has pictures of the fraudulent user, I would think the process would be resolved rather sooner than later. It's been almost a year of me calling almost every month or two and I keep getting the run around whether I escalate, add additional complaints, speak to a supervisor or request documentation regarding the status or reasoning for denying my case. I am not being heard and just keep being told to wait or call back. I would greatly appreciate help in resolving this issue as I have been very professional and patient and now I am becoming very hopeless and tired of calling and hearing the same thing over and over. 

Thank you.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern This letter shall serve as formal Notice of my file a Complaint with the FTC, due to your blatant disregard of the law. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Debt collection

JC Pennys reported to the credit reporting company 's my account was 3 month late cause 50 point drop in my score my jc pennys account is paid in full XXXX,, nor did I do anything to stop payment at XXXX XXXX is not my account why jc pennys paid for it for and account that's minds not sure why, I requested a payment history to date nothing the account don't apply to me nor minds JC Pennys are XXXX nor was I notified of no payment for three months its not my account either one
Product: Credit reporting or other personal consumer reports

In my review of the credit report, I found some erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the three credit bureaus must verify these accounts. Reporting unverified information without evidence within the legal timeframe is prohibited. Kindly investigate and correct the errors for the following accounts listed on my credit report : XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXXXXXX Balance : {$9200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke  with two repre sentatives from  XXXX   XXXX   XXXX  about my car loan that I paid off last month, and how the loan is not showing on any of the credit reporting agencies, and I have paid every payment on time for the la st five years, b ut nothing is on my credit reports. I was told that since I filed bankruptcy in  XXXX  of  XXXX  that they took it off of my credit reporting, however this loan was not included in my bankruptcy and was never affected. I need this loan to show that I took it out in  XXXX  of  XXXX , made the first payment in  XXXX  of  XXXX  and every subsequent payment until I paid it off in  XXXX  of  XXXX . Every payment was made on time and even prior to the due dates. None of this is reflected on my credit reports. I have the letter from  XXXX  stating that the note has been paid in full, I have the lien free title, and I have the payment schedule from  XXXX  showing each payment paid over the last 5 years. My loan # is  XXXX . I was also told that I had to contact my bankruptcy attorney to get this corrected, which I did, and she stated that they are incorrect in not updating my credit reports.     Thank you,  XXXX
Product: Credit card

On XX/XX/XXXX I responded to a fraudulent charitable solicitation on the internet. It did not come from a genuine charity, but from a scam artist. I charged {$150.00} on my credit card as a charitable contribution. I then made a written claim on XX/XX/XXXX asking the credit card company to cancel that charge. At that time, I gave several pieces of evidence that the solicitation was fraudulent. 
The company asked me to provide credit care receipts for my " purchase '' and also to call the on-line recipient of my funds to see if they would " remedy '' the problem. I responded to the credit card company ( both in writing and orally ) that there was no use in calling the recipient of the funds because they were scam artists, not a real charity. 
Subsequently, I received notice from the credit card company that they were denying my claim because I had willingly charged {$150.00} on my card. 
On XX/XX/XXXX I spoke to a supervisor in the Tennessee office of the credit card company ( person named XXXX ) explaining- again -that I was complaining about a fraud, not a complaint about merchandise or services. He said he could not help me. I asked to speak to a manager to continue my appeal. The supervisor said a manager would call me back in 24 to 48 hours but they never called back.
Product: Money transfer, virtual currency, or money service

after sending the last {$4100.00} of a scam that I was unaware the banker didn't warn me that this was a possibility of a scam since I was sending a lot of money in a short period of time. after I find that it was a scam I ask the bank to recover my money but no results in my favor were given. XXXX, I'm asking for help.
Product: Mortgage

We signed and notarized our Modification with a partial claim back in XXXX. The documents were signed and recorded at our XXXX XXXX XXXX in the following book and pages : Partial Claim is in book XXXX page XXXX and was recorded on XX/XX/22. 
Mortgage modification is in book XXXX page XXXX recorded on XX/XX/22. 

For some reason Flagstar kept telling me that these were rejected and that the modification/partial claim never closed, which was erroneous. They were legally signed and recorded documents. 

I have called numerous times trying to get to the right person to update my account and even uploaded the recorded documents to the flagstar website. 

I was making the monthly payments but then in XXXX was told the account was in active foreclosure and to fill out a new loss mitigation application. Which didnt make any sense, because I made the payments every month since XXXX, until XXXX when they would not accept them because I was in " Foreclosure '', which was also not erroneous. 

I filled out the new application, but at this point it must have been clear, I actually already had a modification, and my account was updated. Since I could not make payments when the account was in foreclosure, starting in XXXX it showed that I was behind again, so I called the bank to make the regular monthly payments it was showing behind. XXXX. 

I just called yesterday on XX/XX/22 and loss mitigation transferred me to collections. The person in collections told me to bring my account current, I needed to make a payment of {$4800.00}. I paid that amount with the reissurance that my account would be brought current. 

When I look online today, it still is not brought mortgage current like I was told. Those funds are being held in suspense, and I am very concerned that my account is still being considered in foreclosure, even though the modification with partial claim was sign and filed in XXXX and all regular monthly payments have been paid since then.
Product: Debt collection

I made a complaint about this debt not being mine through XXXX and now it is showing on my XXXX credit reports. This debt is not mine. I do not know whos account it is. but now it is affecting all XXXX of my credit reports
Product: Mortgage

Hello, On XX/XX/2022 I had an appointment at XXXX to finalize the signing of my new mortgage with XXXX XXXX DBA Millennial Home Lending. I signed all the documents but was not given any of the forms I signed including the three-day rescinding document, the payment coupons for where I make my first two payments to or any of the loan documents. He told me that he would go back to the office and copy them then bring them back to me. Then I receive an email telling me that he had closed the app and was not able to print any of the documents so reach out to my lender. I then reached out to XXXX XXXX and was told that they can not provide me any of the documents but that they forwarded them to the title company to have them send me a copy. I still have not received any of the documents.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

Brief Summary of Events : XXXX XX/XX/year> I reserved a Standard Class Rental Car from XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX through XXXX, prepaid {$320.00} for XXXX, XXXX. 
-On XXXX, XXXX  the customer service employee at XXXX XXXX XXXX told me I was in luck, he would give me a free car rental upgrade at no charge. 
- Looking at the rental car write-up, I asked him why the large extra charge, he laughed and told me it was just for a damage deposit, and would be removed on the safe return of the rental car. This false statement was witnessed by both me and my wife. 
- I was not given an upgrade, but a rental car double downgrade from a reserved Standard Car to a XXXX XXXX XXXX Compact SUV. 
-I was not given any receipt on return of the rental car, but was told there was a printer error. I therefore only learned via emailed billing my credit card was grossly overcharged {$610.00}. 
BARCLAYS MASTERCARD REFUSED blocking this fraudulenty overcharged rental car bill..
Product: Debt collection

My credit was checked for a home refinance and at the time I was informed that my name is on collection. All my bills are always paid on time. I had never received an attempt to collect a debit. I have tried to communicate with the company listed on my credit report but was unable to find any contact number. I sent a written letter to the POBox provided on my credit report on XX/XX/XXXX but they have not replied to me. 
Collection Agency : XXXX XXXX XXXX XXXX XXXX address XXXX, XXXX, MA XXXX Opened date : XX/XX/XXXX Past Due amount {$390.00} Original creditor : Medical Payment data : Medical I have also contacted all my doctors and the hospitals that I had services on and all of them reported to me that I do not  have any outstanding balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the bankruptcy court, equifax has the sole discretion as to when to remove the reporting of a bankruptcy ... 7-10 years. I have requested they remove my bankruptcy from my report as it has been 10 years, the maximum time for a bankruptcy to remain on a credit report. There is no legal reason for Equifax to deny my request! They have decided, for no valid reason other than it is/was accurate in its information to leave it on the report. This decision is completely arbitrary and makes it discrimation in every way! They are being discriminatory when deciding who to leave a bankruptcy on for and who and when to remove it. 
According to the bankruptcy court, it needs to be removed upon request if it is 10 years. 
Equifax refuses to remove this reporting. I will sue if it is not removed.
Product: Debt collection

I got a debt collection letter from I.Q. Data International, Inc dated XXXX, 2017 regarding a debt that I owe to my previous landlord. This was the first time I learned about the debt, never received a bill from the landlord ( original creditor ). 

On XXXX I faxed and mailed a letter to I.Q. to dispute the charges, cease any communications to collect the debt and provide evidence for the debt. 

But on XXXX I received a call from I.Q. that I did not answer at first. Then I called back to ask why I was being called. I was forwarded to a customer rep who was responsible for handling my debt collection. I notified him that I 'm disputing the charges and would like more information and evidence on the debt. The rep asked for an email to forward the information. I gave him the email and told him that I 'll look over the information to verify the debt, but can not do it right now because I 'm busy. The rep got aggressive at this point and told me, " You 're trying to blow me off '' and that I just refuse to settle with them. Then he threatened to forward the debt to credit bureau agencies right away to coerce me to settle at the spot. I asked him if he 's not willing to email me the information then he can mail. He became totally dismissive at this point and put me on hold. I had no option other than to hang up at this point.