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

Subject : Dispute of Incorrect Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. After reviewing my report, I noticed the following entries contain errors : XXXX XXXX XXXX number XXXX Collections accounts I am disputing these items based on their inaccuracy, supported by recent developments and findings in legal cases against credit reporting agencies, including Equifax and XXXX. Recent Lawsuit Findings : In separate rulings, courts have determined that Equifax and XXXX failed to maintain reasonable procedures to ensure maximum accuracy of consumer credit information. These findings highlight systemic issues within the bureaus ' processes that may directly impact the accuracy of reports like mine. XXXX XXXX XXXX : Reports have surfaced indicating that systemic flaws in the verification and dispute-handling processes of Equifax and XXXX have led to widespread errors. As a consumer, I expect these bureaus to uphold their obligation under the Fair Credit Reporting Act ( FCRA ) to report accurate information and conduct thorough investigations of disputes. Under the FCRA, I am requesting : Immediate investigation into the disputed items listed above. Removal or correction of the inaccurate information. An updated copy of my credit report reflecting these corrections. I have attached copies of supporting documentation to aid in your investigation, including : A copy of my credit report highlighting the disputed items. Documentation supporting my claim of inaccuracy. Please conduct a thorough investigation and provide me with a written response regarding the outcome within 30 days, as required by law. Thank you for your attention to this matter. I look forward to your prompt resolution of these inaccuracies. Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent a Certified return receipt letter to EQUIFAX Credit reporting agency ( See attached document ) regarding two unauthorized hard inquires on my credit report. The two unauthorized hard inquires are from : 1 ) XXXX XXXX XX/XX/2023 2 ) XXXX XXXX XX/XX/2023 On XX/XX/2023 I sent a Certified return receipt letter to XXXX XXXX XXXX XXXX ( See attached document ) regarding four unauthorized hard inquires on my credit report. The XXXX unauthorized hard inquires are from : 1 ) XXXX XXXX XXXXXX/XX/2023 2 ) XXXX XX/XX/2023 3 ) XXXX XXXX XXXXXX/XX/2023 4 ) XXXX XXXX XXXX XX/XX/2023 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

A letter was sent to Equifax certified mail return receipt regarding incorrect information on my credit report regarding my name. There were several variations of my name listed on the credit report. I sent a letter to Equifax with a copy of my social security card, drivers license, and proof of residency. As a reply to my concern of incorrect reporting on the report confirmations XXXX ( XX/XX/XXXX through XX/XX/XXXX ) XXXX the incorrect names were removed. On my most recent report confirmation # XXXX dated for XX/XX/XXXX, Equifax has added the incorrect name on my credit report again which Equifax has listed as a formerly known as name. I have not been notified by Equifax about adding a name on my report, in addition, the name is not deliverable to me by the US Postal office nor is it reportable as per the FCRA since it is inaccurate. Equifax continues to record inaccurate information on my report as several attempts have been made to make corrections.
Product: Credit reporting or other personal consumer reports

Upon checking my TransUnion credit report, I noticed some unauthorized inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

The credit reporting agency has failed to appropriately address my complaints about debt posted on my credit report. Ive filled numerous dispute that they do not resolve yet continue to post Unkown derogatory remarks and items with inadequate information that continues to impact my credit score. These items have been showing up on a monthly basis for almost 5 years now. Each time I file a dispute they never get back to me with substituting evidence to prove the claim and my association with the companies who are posting on my report. All three companies do not have a names, just the amounts Im said to owe. This is a gross misuse of my personal data and unfair reporting practices that both XXXX and XXXX are enabling in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I requested my free annual credit reports from all three credit bureaus through XXXX. However, I only received reports from XXXX and XXXX. Equifax would not show my credit report from them unless I sent sensitive personal information, such as my Social Security number, by mail as proof of my identity. In the next couple of days, I called Equifax instead to try and verify my identity there. But after 20 minutes of answering the representative 's questions, they apparently still couldn't verify my information. 

I tried requesting credit reports from all three bureaus again on XX/XX/XXXX. Again, I received reports from XXXX and XXXX, but not from Equifax. 

There should be no problems in confirming my identity and sending my credit reports to me like XXXX and XXXX. But Equifax never seems to be able to confirm my identity no matter what I do.
Product: Money transfer, virtual currency, or money service

I sent an international wire transfer through Remitly to my family on XX/XX/2020. I have a confirmation email stating that the funds would be available in my family 's account on XX/XX/2020 PT. The full amount was taken out of my account but my family never received it. I received an email from Remitly on XX/XX/2020 that my family 's bank needed to complete a XXXX check for the account provided. I called the respective bank, but they told me that they never require that for money wires coming in. On XX/XX/XXXX, I spoke to a customer service agent who helped me re-send the amount. They said that I should receive confirmation within a couple of hours. However, by XX/XX/XXXX the status of the wire was still pending. On XX/XX/XXXX, I asked the customer service agent to cancel the pending transaction because it was simply taking too long. They said they would cancel the transaction and refund me the funds in 24-48 hours but it is currently XX/XX/XXXX and I have not heard anything and my transaction is still " pending '' on the Remitly website. I am attaching the transcript file from XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

My payment is past due and Republic Finance not only called my place of work to confirm employment, but also told one of my employees that they were confirming because I am " on probation. '' This is defamation of character and now all of my employees are wondering what I'm on probation for and I am not on probation at all.
Product: Vehicle loan or lease

I mailed in a payoff payment to the loan company on  XXXX / XXXX /  XXXX   in the amount of {$23000.00}. The check was converted to an ACH transaction and cleared my bank, on  XXXX / XXXX /  XXXX  . On  XXXX / XXXX /  XXXX  , I received an email from the loan company thanking me for my payment of {$760.00}. When I called customer service, I was told that there was no record of my payoff payment, only the payment of {$760.00}. I was also told to call back later to check to see if my account had been credited the payoff amount. I did this 3 times. The last call I made, on  XXXX / XXXX /  XXXX  , I was told that I needed to fax a copy of the ACH transaction to their Accounts department. Which I did, twice. The ACH transaction on my bank statement has the correct account number, and the full amount that I mailed in. As of today,  XXXX , whenever I call the loan company, I get a recording saying to leave my name and number and they will call me back. When I look at my account on-line, it still does n't show my payoff payment being applied to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few fraudulent accounts appearing on my credit report. 
1. XXXX XXXX XXXX XXXX {$470.00} 2. XXXX XXXX XXXX {$28000.00} 3. XXXX XXXX  {$7800.00} 4. XXXX XXXX {$10000.00}
Product: Bank account or service

Capital360.com bank cancelled my payment check without my consenting. 
Here 's the online banking info. I quote, " Pay From XXXX Amount {$3100.00} Send On XX/XX/2016 Withdraw On XX/XX/2016 Category CHECK DELIVER BY XX/XX/XXXX Confirmation XXXX Payment canceled XX/XX/2016. 
" I found out the payment check was cancelled 30 days late, only after my payee asked " where is the check? ' I asked Capital360 bank why my check was canceled without my consenting. 
The bank argue, they tried to call me but I did not pickup the phone. So they just go ahead cancelled the transaction, for whatever they think is necessary? is it legal at all? Do they have to officially inform me, neither before nor after, for the action could cause serious damage? 
I asked the record that shows they called and left a message. They do not have it. 
I have email, cell phone and XXXX address in my account. 
The least Capital360 can do is send me an email, a letter or follow up calls to inform me what had happened. 
I had saved a copy of the entire online chat for future reference. 
Thank you very much. 
kf
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the following inquiry XXXX XXXX XXXX. Please investigate to ensure there is no fraudulent activity.
Product: Credit card

I charged some items on my Barclay Bank credit Card with deferred interest. A few months later, after making my required payments, I paid a total of {$2000.00} in XXXX month. This was more than enough to pay off the deferred interest charges. Barclay did not payoff the deferred interest charges.
Product: Student loan

Cares act refund requested in XXXX, called multiple times given conflicting information every time. Its now XXXX and looking like its going to be even longer potentially months before the refund arrives. Blatant disregard for the cares act signed into law and terrible customer service. This company is ill suited to service the federal government contract it enjoys.
Product: Mortgage

My home was an Conventional Loan and it seems it is in an Equity Trust XXXX with XXXX XXXX. I have never had an Equity Loan on my property please explain why it is in a Equity trust in 2006. 

See below Home Equity Mortgage Loan Asset-Backed Trust Series XXXX XXXX, Home Equity Mortgage Loan Asset-Backed Certificates Series XXXX  XXXX. Their mailing address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, and telephone number is ( XXXX ) XXXX
Product: Debt collection

Resurgent is attempting to collect debt that does not belong to me.
Product: Credit reporting or other personal consumer reports

Re : Remove Incorrect Information I have been trying to get this issued resolved for a while now. 

I disagree with the items listed below which shows that the account is in collection, and it has a balance of {$89.00} which is in correct, and I have attached a copy of the receipt and bank statement transition showing that the balance was paid on XX/XX/year>. Please update this information as soon as possible. 

XXXX- # XXXX Please forward me an updated credit report after you have completed your investigation. 

Your cooperation and prompt attention on are greatly appreciated. 
Best Regards
Product: Credit card

I disputed a {$320.00} charge made on XX/XX/XXXXXXXX  on XX/XX/XXXXXXXX  for merchandise not received. Given the length of time since the purchase was made, this purchase falls under Visas 540-day rule. I spoke with multiple Chase representatives who were unaware of this rule yet worked in Chases Disputes department, yet I finally found an agent who was able to file this dispute. Chase has then stated that this purchase still falls outside of their timeframe and will not clarify their rules regarding their adherence to Visas clear 540-day rule, which this purchase clearly falls under. I had a very unprofessional, unhelpful, and rude Account Manager named XXXX XXXX who refused to answer questions, refused to specifically guide me to Chases policies, and began misinterpreting Visas 540-day rule. When I navigated to Chases website where XXXX asked me to go, he refused to provide any further information as he is clearly not abiding by terms laid out in my cardholder agreement. Chase, per Visas code XXXX, please properly resolve this dispute and please educate your team on this rule.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX Account Number : 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX  XXXX ; Date opened XX/XX/XXXX Balance {$10000.00} ; XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; ( Original Creditor : ) XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance Owed : {$480.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$12000.00}
Product: Checking or savings account

Chase bank decided to close my checking account after I requested to speak to a supervisor over a stop payment request. The stop payment request was made XXXX  XX/XX/2020 the check was then cashed by the company whom claimed to have not received the payment. Which is the reason I requested chase bank stop payment. Chase bank specialists ... although she was very nice lady. Found it to be a funny situation and Chase bank said oh well sometimes the system goes down and you have to take a loss. Even though several employees admitted the company is indeed at fault. I am forced to take a {$530.00} loss. In addition, I have to jump through hoops to obtain my remaining funds due to identity theft. XXXX having police report numbers. On XX/XX/2020 I was even threatened by an agent named XXXX. The employee told me if I did not release my new checking account number to my new bank account I would not receive my funds to my pending account. Claiming it was standard procedure, which wasnt true. As an identity theft victim and having Chase make a huge error on my account its terribly unprofessional.
Product: Money transfer, virtual currency, or money service

My PNC bank account will not let me transfer money to my prepaid XXXX XXXX  debit card.
Product: Credit card

Someone was making payments to my Best Buy Credit card from my checking account for XXXX dollars and I didn't authorize this. They tried XXXX times, so I put stop payments on the transaction. Since XXXX payments came back in a short amount of time they closed my account and reported it negatively to the credit reporting agencies. I told them it was fraud but they told me there wasn't anything they could do since they closed the account. All I want is for this to not reflect negative on my credit report. I have never been late on any payments and I take pride in paying my bills on time.
Product: Mortgage

My loan was sold to Gateway Bank and this new mortgage servicer refused to accept a bank check ( literally sent from directly from my bank ) because it was over some arbitrary $ XXXX limit they imposed ( a condition/policy of theirs I never agreed to in my purchase contract ). They can not legally refuse to accept a payment drawn on a XXXX XXXX  ( and again it's a bank check!! ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX Balance Owed : {$31000.00}
Product: Debt collection

I was called Sunday morning by XXXX XXXX, they were told not to ever call, let alone sunday, it is a violation of my rights in the state of Tn
Product: Debt collection

In XX/XX/XXXX, I received notification from XXXX XXXX that there were three collections accounts added to my credit. They were as follows : Opened XX/XX/XXXX by Transworld Systems ( original creditor : XXXX XXXX XXXX ) for {$550.00} Opened XX/XX/XXXX by Transworld Systems ( original creditor : XXXX XXXX XXXX ) for {$960.00} Opened XX/XX/XXXX by Transworld Systems ( original creditor : XXXX XXXX XXXX ) for {$1000.00} I have never had an account with either Transworld Systems or XXXX XXXX XXXX. I have never heard of either of the companies prior to XXXX XXXX 's notification. 

I disputed these collections accounts with both XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

This company fraudulently reported to the 3 credit bureaus that my loan balance increased and it didn't. This caused my credit score to drop. I logged into my Mariner account today ( documents attached ), and it shows that my balance is XXXX, not XXXX as Mariner reported. I disputed this account with the with the XXXX credit bureaus and Mariner responded to them fraudulently that my balance is XXXX. This is not true. The credit bureaus refused to update my balance despite the fact that I uploaded documents showing the correct balance. Please address this matter with Mariner, and if necessary the credit bureaus, since my attempts to get them to report truthfully have failed to force them to update my account.
Product: Debt collection

I noticed fraudulent accounts on my credit report that are affecting my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've asked credit reporting agency Experian, to remove an address from my credit report because it is incorrect I've disputed item on XX/XX/XXXX, and twice on XX/XX/XXXX, and they have not removed it, I've even sent documentation of the correct address, they are only updating and not removing the incorrect information
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has assumed this role without my permission, and did not exercise their GRAVE responsibility. They have been UNFAIR and IMPARTIAL and did not protect my privacy.

Pursuant to 15 US 1681B ( 2 ) In accordance with the written instructions of the consumer to whom it relates
Product: Mortgage

I have filed a precious complaint against Select Portfolio describing the misinformation I was given during a modification process. I had submitted a dispute to Select Portfolio as well as CFPB to try and work out another modification plan. 
There is a foreclosure date set on my house for XX/XX/2019 less than one week away from now. I have called Select Portfolio Representative this morning XX/XX/2019 and was told that the foreclosure was put on hold and that they were yet to set a new foreclosure date. I was also told by a select portfolio representative, on a phone call made on Friday the XX/XX/XXXX, that the foreclosure date would be postponed so that they may respond to my dispute. 
Today I called the Ombudsman office and was told that the foreclosure date was not put on hold and that it would still be happening on XX/XX/XXXX even though less than one week away from the foreclosure date I have not received a response to my dispute on the modification. 
I dispute this foreclosure date due to the fact that Select Portfolio has yet again given me nothing but misinformation. You talk to five different people there you get five different answers. That is very unfair to my situation. When asked if there is anybody I can speak to directly in their legal department I am told that is not possible. I beleive they are more concerned with foreclosing on the property that actually working something out and that is not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX