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

I have recently been having trouble with disputing hard credit inquiries that I have discovered on my credit reports. Specifically with XXXX I feel that they are not really abiding by the Fair Credit Reporting Act because I have submitted several disputes and I keep getting the general response " Inquiries are a factual record of file access .... '' They have not initiated any kind of investigation into the fact that several companies have pulled my credit reports and I can not recall giving them the authorization to do so. I have filed disputes on the following dates : XXXX-17, XXXX-17,XXXX-17, XXXX-17, and XXXX-17 just to name a few and I keep getting the same response explaining to me what an inquiry is. I have also filed disputes with Transunion & XXXX to get all unfamiliar inquiries removed and have not been able to get any results. As a data furnisher I believe it is the responsibility of the Credit Bureaus to be sure that they are reporting true information and if it is disputed it should be properly investigated. If information can not be verified then it should be deleted. If for some reason they believe that these inquiries were initiated by me I would like to be provided with proof. I have also contacted the creditors before I ever filed a dispute with the credit bureaus and they advised that I dispute the inquiries with the major bureaus.
Product: Mortgage

XXXX XXXX, XX/XX/XXXX XXXX XXXX is holding my insurance checks that have been issued in order for me to have repairs done to my home due to damage on XX/XX/23. The serlveity of the damage has cause me to be displaced from my home for the past 4 months, which has caused financial strain and emotional distress.I first spoke to them they said once they received the checks they would promptly sign them and send them back out but are not doing so. They are causing further delay, in my ability to have the repairs completed so that I can return to my home.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that all accounts and inquiries listed below be blocked and deleted from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ) and the provisions under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a recent data breach and, as such, the inclusion of these accounts and inquiries on my credit report is fraudulent and unauthorized. 
The details of the accounts and inquiries I am requesting to be blocked and deleted are as follows : Accounts : XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$680.00} Inquiries : DEPT OF ED o Date of Inquiry : XX/XX/XXXX
Product: Credit card

Disputed an ( Open ) Account # XXXX that, should be of a Pay Status of a Collection/Chargeoff Since, 2010. 

The Pay Status is Listed as, Current thus, effecting my Ability to Reduce my ( # of ) Open Accounts and Reduce my Rent Cost in Order to Pay Bills. 

Limit XXXX Balance XXXX
Product: Debt collection

I received a default request in XXXX from XXXX XXXX XXXX, law firm, on behalf of XXXX XXXX XXXX regarding a debt initiated by my ex-wife. We have been divorced for over 26 years. Originally I didn't know what the debt was so I sent them a letter stating I was not aware of the debt. They responded with an assumed Debt Validation Form listing creditor XXXX XXXX XXXX. The address on the so-called form was not where I shared a residence with my ex-wife. 

Each year just prior to income tax filing, I receive a Request and Writ for Garnishment of a state income tax refund. I am a XXXX veteran who have not had steady employment for over 26 years thereby have not filed an income tax return. I have sent numerous responses and explanations to this law firm with no positive results. Due to their consistent threats, I filed a grievance with the Attorney Grievance Commission against them. 

On XX/XX/XXXX I informed them of my rights and that the statue of limitations for filing judgments in the court system in Michigan is against the law. They responded on XX/XX/XXXX stating " MCL 600.5809 ( 3 ) provides that the statue of limitations for a judgment is ten years. Additionally, this statue allows the judgment to be renewed for an additional ten years upon timely application -- a motion to renew the judgment was filed on XX/XX/XXXX. '' Companies involved are : XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX I have copies of all these transactions. They are suing me for {$2100.00}. Please help.
Product: Student loan

Called numerous times attempting to change account status to " out of school '' as I have now graduated 4 months ago. Loan service officer indicated that changing this would be possible with paperwork, however never sent paperwork to allow me to change.
Product: Vehicle loan or lease

I reached out to the company back in XXXX about removal of the incorrect information on my credit report. They refused to do so I requested the payment information from the account. I was told I had to verify my email by email early XXXX from the company, so I did the information listed was incorrect. They later in the year sent me a letter from a lawyer to contact him even after they were notified the information was incorrect from the initial notice. At the time they were being sued for targeting lowering class citizens and charging interest rates that were above the regulated state requirement. I was also in that category of targeted people. I was waiting the opportunity to go to court. I later received a call from a lawyer saying they could represent me in a lawsuit I knew nothing about I asked them what they were referring to because I was not aware of being sued. She informed me to call my local courts and I did they told me that a summons would be brought to me and it was filed by the company on XX/XX/XXXX. I waited to hear back from the company lawyer after leaving several voicemails and no response. I waited for the company to resolve the issue and then I received a letter from the court stating the case was dismissed XX/XX/XXXX. I tried to get the company to remove the wrong information from me and my co-signer report but they have still not done it. I then received a lean release document from them on XX/XX/XXXX. It is now XX/XX/XXXX and it is still on our reports. I would like them removed immediately and any inquiries associated with the company.
Product: Mortgage

I am trying to buy my first home with section XXXX homebuying it has been a long process, I was told that only to banks in the area do this types of loans so I called XXXX after speaking with a mortgage officer at Santander bank and him pulling my credit twice I was told my score was to be at XXXX. I was at XXXX and he was like that 's ok if it 's the same they are willing to do a rapid rescore. After doing everything he ask and dropping all documents off to him he now states he is unable to do my loan that I should find another bank to help me. I have done everything I was ask. He also talked about other loan then emails me to say that they are unable to do those types of loans with section XXXX homebuying. I now have to dents on my score due to his not telling the truth he also did n't state that the bank required a XXXX score in order to be approved. I been turned down by many banks that are not willing to help because I am doing section XXXX homebuying. I have called and called and everyone says no we do n't do those types of loans. I not sure what they mean seeing that it is a subsidy to pay a portion of my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

to whom it may concern, I have repeatedly contacted Experian on multiple occasions regarding the accuracy of a bankruptcy listed on my credit file with Experian. On each occasion, Experian continually states they have verified & certified a Bankruptcy on my credit file as accurate. Ive contacted the XXXX XXXX of Illinois Federal Bankruptcy Court where the bankruptcy was filed and they responded via letter, THAT FEDERAL COURTS DO NOT PERFORM ANY ACTIVITIES WITH CREDIT AGENCIES ( I've enclosed a copy of the court response as proof ). 

It is to my understanding the sole provider with most accurate & verifiable information of this Bankruptcy is the presiding Federal Court. Therefore, Experian has not & can not verify any of the data involved in this Bankruptcy without the use of a 3rd party source such as XXXX, XXXX or XXXX XXXX who share and disseminate information whether it is verified as accurate or not. 

According to FCRA, that pursuant Federal Statute and the Federal Rules of Bankruptcy Procedure only the last four digits of a Debtors social security number along with their full name and address can be released. Furthermore, per FCRA, all Credit Reporting Agencies are required to conduct investigations of disputed items with Original Provider of the information in question, which in this case is the XXXX XXXX XXXX Illinois Federal Court. 

I am know formally requesting Experian to comply with the all federal laws by verifying the disputed information with XXXX XXXX XXXX Illinois Federal Court within the allotted time by federal law. If Experian can not accurately verify and correct any and all errors this information, l expect the disputed information to be completely removed in the most expeditious manner possible by DELETION from my file. 

This is due to the fact Experian has not correctly verified this bankruptcy that's being reported. furthermore, EXPERIAN has refused/declined to disclose WHO & When they verify the accuracy of the information other than saying they are using some third party agency.
Product: Credit reporting or other personal consumer reports

I am concerned because someone is using false names and social security numbers to use my credit. On XX/XX/year>, I sent Equifax a letter about a collection account, XXXX  XXXX ( XXXX XXXX  ) XXXX, that is showing up on my credit report. I want to clarify that this is not my account and I never opened a credit account with XXXX XXXX. As an individual with excellent relationships with banks, I believe this is a mistake and I am worried that my letter from last month was ignored.
Product: Debt collection

I have been going back and forth with Phoenix Financial Services. They called me stating I owe {$2700.00}. However, only XXXX is reported on my credit report for XX/XX/16. When I asked them who the original creditors were, they said XXXX XXXX XXXX from XXXX XXXX  XXXX, Address XXXX XXXX XXXX XXXX, NY XXXX. I know I had no debt with them. I called XXXX XXXX XXXX billing ( now XXXX XXXX ). I spoke to a wonderful representative, XXXX XXXX. When I explained the situation, she was confused because they never worked with XXXX or Phoenix Financials and that they were sending a debit from four years ago. She informed me, they send it to creditors after one year of being unpaid. We actually called Phoenix Financials together on three way, XXXX spoke to a man named XXXX. She stated they never worked with them, nor did I owe any type of debt from the date specified XX/XX/16. I was never even seen by a Dr. XXXX, or even at the doctors on XX/XX/16. XXXX was very rude and hung up the phone on us and stopped answering. XXXX then reported it to her supervisor. I also called XXXX hospital services, they also verified they have never worked with XXXX or Phoenix Financials. They both sent me XXXX balance statements which will be attached. When I called Phoenix Financials back ( I have the recording on my cell phone ) to let them know the information they had was wrong, the woman hung up in my face after yelling at me. Also, on Phoenix Financials statement it says my address is XXXX XXXX XXXX XXXX XXXX, NY XXXX. I never been to this address or seen a Dr. XXXX. The address from the Doctor and Original creditor ( XXXX  ) do not match. If you look Phoenix Financial Services up on the XXXX  and consumer affairs, you will see that they have thousands of complaints and lawsuits about fake and inaccurate debt collections. The company has not cooperated with me, and refuses to remove it off my credit report. I would like this removed immediately and this company to be reported ASAP so it can stop harassing innocent people. I've also reported this with all 3 Credit Bureaus Thank you for your time.
Product: Checking or savings account

I opened a chase checking and savings account on XX/XX/20. A couple days later I deposited a {$1000.00} check that my husband wrote me. You then locked access to all my accounts. I tried several times to talk with someone about why my acct was locked and I had no access to the funds i deposited. 

Fast forward a few week and I finally got someone who told me me my acct was closed without explanation or contact from Chase. They told me my funds would be mailed to me in 7-10 days. 

After waiting a few weeks and on funds - i tried calling again. After several attempts, disconnections, and transfers I finally got to someone who assured me the funds would be sent to me in 7-10 days. 

It has now been over 2 weeks from the last phone call and I still don't have the {$1000.00} i deposited in the acct in early XXXX. I have spent about 9 hours of phone calls and work on this account - only to have my money tied up and not being able to use it for my bills. This 9 hours is not an exaggeration. 

I have long talked to people about how great chase is, but this is the worst banking experience i have ever had. 

I do not know my acct # as i was immediately locked out of my acct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

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

On XX/XX/2021, I was the unfortunate victim of a XXXX XXXX data breach in which malicious actors were able to gain access to two factor authentication methods to make unauthorized charges on XXXX  customers credit cards. They did it via a method called SIM Swap. XXXX has acknowledged this but has done nothing to help me. On XX/XX/2021 I lost access to my phone connection for that evening and that was when this happened to me. Someone tried to make various purchases on a TD credit card that I havent used in quite some time. They tried making purchases at XXXX and XXXX XXXX. The dior ones were declined but for some reason they were able to successfully purchase an XXXX at XXXX XXXX and make it look like it was me. I have attached the receipt and transaction total. I immediately contacted TD to file a fraud dispute and close my card. TD says they are investigating but I also want to file this complai because TD has yet to reverse the charges. TD has told me that it is going to time to resolve the claim but i am growing increasingly concerned about the charge on my credit card for {$1300.00}. This has been a very upsetting situation for me as a single mother on a very fixed income. I am asking you for your help to recuperate my loss. I did not make this charge and I am saddened that I was a victim and potentially liable for this charge. I have sent you all the information that I have. I also went into the XXXX  store in my neighborhood and they went into my account and saw that someone infiltrated my account on XX/XX/XXXX under the guise of it being me. I have not heard anything from TD bank regarding my claim, no letters, nothing. When I call TD to ask about it they say I have to wait. In the meantime they are demanding me to make minimum payments on my credit card which I can not afford, and adding finance fees and late payments to my account. It is in dispute so they are not supposed to be adding on fees. I am suffering from XXXX because of this and am turning to you for help, please. I did not make this charge and TD has done nothing to help me. I need this charge reversed so I can move on with my life. I have attached some information that will help you make sense of this including a news article about sim swap fraud. they were able to gain access to the point that they posed as me to make a purchase at XXXX XXXX without my consent. TD allowed this charge to post. I am furious and saddened beyond belief that they allowed this to happen to me.
Product: Checking or savings account

On XX/XX/XXXX I had some unauthorized purchases on my account and I filed dispute with the bank immediately but was made to wait because the charges were pending which I find to be ridiculous they should be able to stop the pending transactions so I finally was able to file dispute and they denied it saying that they were authorized I don't understand how if my debit card was stolen and I reported that to them they canceled the card and sent me out a new one and all those and yet they still denied it it is utterly ridiculous that Banks can do this and then someone is out their money I don't think it's right I want my money back
Product: Credit reporting or other personal consumer reports

Hello, I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. I`m writing to you today due to the fact that after reviewing my credit report. I found errors dealing with fraudulent accounts that are hurting my good name as well as inaccurate late payment reports. Someone stole my information and signed up for something in my name. I expect you to delete all the incorrect information in my report. The items I need deleted are located in the collection account section of my credit report, closed account section and inquiry section. I ask that the items be deleted to correct my credit report. It is super overwhelming to have to go through this. Thank you.
Product: Credit card or prepaid card

I requested an online wire transfer payment through Bank of Americas Online Bill Pay service for my Company Credit Card on Wednesday, XX/XX/XXXX in the amount of {$1200.00}. The online page and their general credit card guidelines state that the payment will be applied within XXXX business days- which should be by XX/XX/XXXX ( Friday ). 

On Friday, XX/XX/XXXX in the morning the transfer was completed from by business checking account with XXXX XXXX XXXX XXXX XXXX. However, when checking the BofA Business Credit Card transactions this payment has not been posted. Upon calling BofA Customer Support they say they see the payment in Online Bill Pay but dont expect this payment to post until Tuesday, XX/XX/XXXX. This is both frustrating and maddening that {$1200.00} from my business is floating in the ether and is inaccessible for my business. This is absolutely unacceptable and BofA is either incapable or uninterested in appropriately handling my business funds. As far as customer support escalations I was offered to submit my complaint via the customer feedback survey. Which has no ability to appropriately fix this lack of oversight or control of funding in a timely fashion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you to request that you verify and correct some of the negative items that I have found on my credit report. I have identified several accounts and personal information that I believe are either incorrect or questionable. 

Firstly, I am concerned about the account with XXXX, account number XXXX. I request that you verify the payment status, balance, payment history, comments, and account number associated with this account, as I believe they might be incorrect. Please correct or delete any incorrect information from this account. 

Secondly, I am questioning the validity of the XXXX XXXX XXXX account, with account number XXXX. I am uncertain about the name and number associated with this account. Therefore, I request that you clarify this information or delete the account immediately from my credit report. 

Similarly, the account with XXXX XXXX, account number XXXX, also has a questionable name and number. I request that you clarify this information or delete the account from my credit report. 

Additionally, I have found some personal information that is incorrect. The account number associated with the address at XXXX XXXX XXXX XXXX, AL XXXX is not correct. Please delete this address immediately from my report. 

Similarly, the account number associated with the address at XXXX XXXX XXXX XXXX, FL XXXX is also not correct. Please delete this address immediately from my report. 

Furthermore, the account with XXXX XXXX is not my employer. Please delete this information immediately from my report. 

Finally, the account with XXXX  is also not my employer. Please delete this information immediately from my report. 

Thank you for your attention to this matter. I hope that you will be able to make the necessary corrections to my credit report as soon as possible. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, these companies have been disclosing deceptive accounts. I've provided evidence indicating they're infringing upon my consumer rights. Despite this, the companies have failed to furnish any evidence of violation or justify the alleged debt placed for collections. Despite my repeated attempts, the issue remains unresolved. 
XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX, XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX  XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX Inquiry Date XX/XX/XXXX.