23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 


XXXX XXXX XXXX XXXX.
Product: Credit card

Dear CFBP, I am filing a formal complaint against XXXX XXXX, a rental agency in XXXX, XXXX for unethical business practices, intimidation, and potential misuse of my personal information. 

I recently booked a XXXX furnished rental ( XXXX XXXX ) in XXXXXXXX XXXX XXXX this merchant. Upon arrival, I found the unit to be uninhabitable due to several issues, including : A broken bed Poor-quality and uncomfortable mattress A non-functional dishwasher Low or missing lighting A sofa that was unhygienic and emitted a foul odor Dirty and unsanitary carpets No elevator access to the third floor ( which was not disclosed beforehand, even when I asked explicitly while booking ) Due to these serious issues, I immediately contacted the merchant and requested a refund. The merchant denied my request, leaving me no choice but to dispute the charge through Chase. 

After initiating the chargeback, I received a threatening SMS from the merchant, demanding that I withdraw my dispute and settle outside. They also implied they would escalate the matter and mentioned they had my personal information, most likely my Social Security Number ( SSN ). This message felt like an intimidation tactic, making me concerned about the potential misuse of my personal data.

I have informed about the same to Chase Dispute Department and have asked them to continue processing my chargeback, as the merchant is using unethical means to coerce me into withdrawing my dispute.I also request an investigation into this merchants business practices, including whether they are misusing customers sensitive information. 
I have attached screenshots of the merchants SMS threatening escalation, and previous conversations with them. 

I would appreciate any guidance on how to proceed. Please let me know if additional information is needed.
Product: Mortgage

XX/XX/2022, I called Chase Mortage and let them know that my payment was going to be late informed them it would be the end of the month. I made the payment late and received a 30day late on my credit report. My complaint is Chase had a COVID program available to me and I shared that I was having a difficult time with my payment, during our conversation the Chase representative NEVER shared the COVID program with me and never offered the discussion to help me with an opportunity to apply for the COVID program. Because of their lack to share this important program I have received 2 thirty-day late on my credit report. I requested Chase do an investigation and listen to the " recorded '' phone call, they found that the Chase representative DID NOT offer the program, which is what they were supposed to offer any customer that called, this was a directive to all banking institutions by the Federal Government ( I believe ). I did not find out about the COVID program until after Chase ended the program- they failed provide assistance. I asked for documentation from their investigation, and I was told that they " Chase '' could not release this information to me. Based on their findings I have asked that Chase remove the 2 thirty-day late penalties from my current credit report, and they have denied my request. This would have never happened had the Chase representative provided me with the COVID program assistance.
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that SYNCB/LOW has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports randomly drop active creditors off my reports causing my credit score to negatively change. 

XXXX XXXX XXXX is in good standing and I want it reflected on ALL 3 credit bureaus
Product: Checking or savings account

On XX/XX/2023 there were 6 withdrawals from my checking account at Wells Fargo bank in $ XXXX increments totaling {$5700.00}. 
We reported it to the bank on the XXXX when we first saw it. Bank made no attempt to inform us that this happened and being that it overdrew my account, they should have seen the red flag. I have banked with them for 29 years and through reviewing my history, they can see that I wouldn't do this. 
The bank refuses to give me details about these withdrawals saying they will let us know in 30 days. They also have come to the conclusion that the withdrawals were made by us, which they were not, nor was there any authorization to withdraw. I suspect identity theft. 
We have found on our own that the entity who removed the funds was XXXX XXXX XXXX. 
We don't and have never dealt with stocks or bonds, and we certainly wouldn't overdraw our account to invest in this. 
Our income is Social Security. 
I have spoken with many bank employees at the bank and even went to the bank to see if this problem can be resolved, and each say they can't divulge the info. and therefore I am unable to resolve it with the thief. 
I do have a fraud claim # XXXX. I received a letter from Wells Fargo on XX/XX/2023 stating that the case was closed and they will take no further action. 
Thank you.
Product: Credit reporting

I just checked my personal credit report, just discovered an unauthorized and fraudulent credit inquiry made by XXXX XXXX on or about XXXX/XXXX/14 on TRANSUNION. I did not authorized anyone employed by this company or at this company or TRANSUNION to make any inquiry or inquiries and view or show my credit report to anyone, person, company, entity, business, co, corp or similar. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof Bearing my Signature or Request in Writing that I authorized them to view my credit report, then I am demanding that TRANSUNION remove the unauthorized and fraudulent hard credit inquiry immediately from my TRANSUNION credit file.
Product: Credit reporting or other personal consumer reports

This is my repeated endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$450.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$600.00} XXXX XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX XXXX XXXX  pulled a soft credit inquiry from Equifax for 3 of my credit card accounts and based on this information my credit lines were decreased drastically. Equifax reported my credit score at XXXX on XXXX. I called the credit card department at XXXX and found the information they were using was incorrect because they based the decision on these three things. Balance owed on revolving accounts too high and i only have 20 % credit use on my credit cards per Equifax. XXXX also said Balances on accounts are too high compared to credit limits and per Equifax of the XXXX  accounts only two have a balance the remainder is XXXX balance. The last issue per XXXX the number of accounts in use is an issue. Equifax is reporting only two  accounts out of XXXX have a balance. I spoke to XXXX and because they decreased my credit limit on erroneous information the only way to fix what they broke I have to submit to a hard inquiry which will stay on my credit report for two years. I was told even then there was no guarantee which is essentially a no win situation because the credit inquiry will be mine to own for the next two years do to no fault of my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all of the three credit bureaus and they all said this account was accurate, but upon my investigation and research there are lot of inconsistencies and incorrect information. In accordance with the Credit Reporting act XXXX XXXX XXXX Account # XXXX, has 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681sXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have had ongoing issues with incorrect credit card balance reporting by Upgrade Inc. on my credit reports prepared by the three major credit reporting agencies ( XXXX, XXXX, XXXX ). This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ), which requires furnishers like Upgrade Inc. to properly investigate and correct inaccurate information after receiving notice of a consumer dispute from a XXXX. Specifically, my Upgrade Inc. account ending in XXXX currently has a {$0.00} balance and an XX/XX/2023 statement balance of {$190.00}. However, the CRAs are reporting a balance of {$10000.00} as of XX/XX/2023, which does not match any of my account statements. My Upgrade Inc. account ending in XXXX has a current balance of {$2200.00} and an XX/XX/2023 statement balance of {$2400.00}, yet the CRAs are reporting a {$3200.00} balance as of XX/XX/2023, again unmatched to any statement. These inaccurate higher balances negatively impact my credit score and exaggerate my debt obligations. I have disputed the incorrect reporting multiple times, but the CRAs often just verify the inaccurate information as reported by Upgrade Inc . This violates 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires the CRAs to conduct a reasonable investigation when a consumer disputes the completeness or accuracy of information in their credit file. Despite my providing their own account statements showing the correct lower balances, Upgrade Inc. has failed to correct the information they furnish to the CRAs, in violation of their obligations under 15 U.S.C. 1681s-2 ( b ). Upgrade Inc. and the CRAs have continued to shift responsibility back and forth, leaving these inaccuracies unresolved. Therefore, I request that the CFPB investigate which party is responsible for the ongoing incorrect credit card balance reporting and ensure the information is fixed to comply with the FCRA requirements for accuracy and dispute investigation. The current reporting damages my credit standing and I seek your assistance in resolving this issue.
Product: Credit reporting or other personal consumer reports

I applied for a mortgage through a local lender and they brought to my attention that my student loans are reported to XXXX as in collections by Nelnet even though they have been in good standing for over three years and the collections issue has long been resolved. 

This issue has not only been negatively impacting my credit score and my consumer credit report for over three years but it has also prevented me from being able to purchase a home and take out other forms of credit, it has incorrectly increased my debt-to-income ratio and has caused significant financial hardship due to Nelnet 's negligence in properly reporting my student loan status. I have attempted to contact Nelnet to get this issue resolved as the mortgage loan process can not go forward until this issue is FIXED BY NELNET and it is impossible to get through to a person in their company. I have attempted to call three times in three days and it is always at least a 90 minute wait if they answer at all. I have yet to actually speak to a person at this company. 

My loans were transferred to Nelnet from Great Lakes and they are by far the worst student loan servicing company in existence. Why would they take on these additional loans from another servicer if they clearly did not have the capacity to actually service them and provide any semblance of customer service support? I will be seeking legal counsel if Nelnet is unable or unwilling to fix this issue that they created.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting an inaccurate balance on my credit report and continues to report late payments. 
According to credit reports it shows The car was repossessed, mentioned it was resold, and Im addition it was indeed charged off. Yet XXXX is still continuing to report and state that I owe for late payments. I myself have not had any history with this account since XXXX and now it is XXXX and this company is still reporting I owe a higher balance, and themself are reporting erroneous information. 
I ask that This account be fully verified, every single payment amount and date received be confirmed, further proof of when and to whom the car was sold to and the amount the car was sold for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Mortgage

This is a second complaint regarding the same issue i.e. PNC Bank 's lack of response to our original request as detailed in CFPB Complaint number XXXX. 

Specifically we request PNC to comply with our Attorney 's Demands for an immediate Reconveyance and Production of Documents for PNC Lien Account number XXXX. 

Our Attorney had sent the first Demand letter dated XX/XX/XXXX with response requested from PNC by XX/XX/XXXX. A second request was sent on XX/XX/XXXX with response requested by XX/XX/XXXX. Both letters Demanded an immediate Reconveyance and Production of Documents for PNC Lien Account number XXXX per our legal counsel, neither Demand was acknowledged or answered PNC 's final response to our initial complaint was they did not receive the letters. This is not accurate as both were sent via Certified Mail, return receipt requested. Both letters are attached to our original complaint. As a older veteran caring for a XXXX wife PNC 's lack of response to the points detailed in the letters from our Attorney is causing us great emotional and economic distress. I would ask the CFPB to demand the immediate Reconveyance and Production of Documents or have PNC respond as to why they will not comply with the law as outlined by our Attorney.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  XXXX Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant FCRA 605 ( b ) to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally inform you that I have been a victim of identity theft due to a recent data breach. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ), 15 U.S.C. 1681c-2 ( a ), I am requesting that you immediately block and permanently remove any fraudulent accounts or inaccurate information related to the identity theft from my credit report. 
As evidence of this claim, I am providing proof of my involvement in the XXXX data breach, which I ask you to review as part of my request. Additionally, I have included a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to substantiate my claim. 
Under the FCRA, 15 U.S.C. 1681c-2, credit reporting agencies are required to block the disputed information identified by the consumer as a result of identity theft within four business days of receiving the report. I kindly request that you comply with this legal obligation and take swift action to resolve this matter. 



To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I began disputing a charge-off that I don't believe to be accurate as well as a collection that is being wrongfully reported. After the bureaus didn't respond to my dispute request, I sent another dispute on XX/XX/XXXX. But again, the bureaus have not responded and it's now been 4 months of this!
Product: Debt collection

XX/XX/XXXX I sent a dispute to XXXX in regards to identity theft. I have not lived in XXXX since XXXX. Someone has gotten my personal information and opened a utility account in my name. XXXX said they would send out a fraud affidavit on 6 different occasions and I have yet to receive one. The amount total is {$2000.00}
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX a fraudulent loan from Advance America was taken out in my name using my social security number for {$1000.00} It was deposited into a XXXX XXXXXXXX XXXX account I was first contacted by advance America on XX/XX/XXXX requesting I provide them additional personal information to verify my loan, I refused and told them I dont have any business with them. They continued to harass me on XX/XX/XXXX and again on XX/XX/XXXX resulting in being placed on hold for long waits while they attempted to contact a supervisor who fished for more of my personal information. 
On XX/XX/XXXX i received a notice of default letter. There was an address for a local branch I traveled to seek additional information and request this be removed from my name and record as this is fraud/identity theft. They refused to help me and forced me to go to the local police department and file a police report. 
I filed the report with wildwood precinct # XXXX with XXXX XXXX # XXXX police report number XXXX I shared this information on XX/XX/XXXX with the local advance America branch representative XXXX XXXX and he said he would share it with his manager. He had no additional information on how this would be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a collection to equifax, XXXX, and XXXX that is not valid and is violating my rights as a consumer, 15 USC 1692g
Product: Credit reporting, credit repair services, or other personal consumer reports

I am really new at all this credit stuff but I am going through a really bad divorce. I am almost certain that account have been opened in my name the I never filled out application for credit. I never to freeze my credit files until I can go over what is and is not mine. The following addresses are not correct and do not belong to me possibly my soon to be Ex-husband. I an not associated with the addresses below. My only address is XXXX XXXX XXXX, XXXX OH XXXX. Please delete the following fraudulent addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX, OH   XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I contacted your bureau by certified mail to dispute incorrect entries listed on my credit report. It is my understanding that you must send me the results of my dispute within a reasonable time ; however, as of the above date, I have not received a response from you. Please update/delete the incorrect information I have disputed and send me an updated copy of my credit report. Also, please include the names and addresses of the companies or individuals who were directly checked with in regard to this matter. Attached is the dispute letter I sent your company which is dated and time stamped.