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

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on Equifax for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Product: Debt collection

Portfolio Recovery has consistently called my cell phone number at various hours throughout the day, sometimes back to back but when I answer no one is on the other end. If I allow the call to go to voicemail, no message is left. I discovered that they were calling from various numbers after XXXX the phone numbers. I have contacted Portfolio Recovery asking that they validate the debt that they say I owe through email, certified mail, and phone but to date I have not received anything. This has been going on for several years and I would like them to cease all collection tactics and remove the collections from my credit bureau reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have applied to refinance my mortgage with a new company. The new mortgage company informed me that my Equifax was frozen and that they were unable to obtain my credit score because of the freeze. I tried to unfreeze the Equifax report online but was denied. I tried multiple times to unfreeze via phone but either was hung up on or put on hold for up to an hour. When I did get ahold of a human ( it was obviously being serviced by an overseas customer service person who was very hard to communicate with ). 

I tried to get the yearly free online copy of the Equifax credit report and was denied. 

I would like your help in resolving the problem with Equifax. I NEVER put a freeze on Equifax. I would like Equifax to unfreeze my account and explain how it was frozen initially. 

Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not not give Equifax permission to allow these corporation to obtain my credit report. There was no permissible purpose for my credit report to be disclosed to the following corporation on these dates XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. Equifax has violated my consumer rights by furnishing my credit report to these corporations without my permission or permissible purpose. Equifax is in violation of 1681b ( c ) ( 3 ).
Product: Credit reporting or other personal consumer reports

I am writing to address two critical matters : 1. Request for Removal of Late Mortgage Payments My mortgage payments should have been protected under the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, implemented by HUD to assist borrowers impacted by COVID-19. During this period, I was approved for a partial claim, in which late payments were to be reported. To support this, I have copied of the lost income from the New Jersey Superior Court.The approved Loss Mitigation letter from Royal Pacific Mortgage.These late payments were incorrectly reported and need to be removed promptly. 

2. Complaint Against Transunion I am also filing a complaint against Transunion for failing to properly investigate this disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours, stating the account is accurate without evidence of a thorough investigation.This violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Additionally, Transunion 's actions may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) .I urge the Consumer Financial Protection Bureau ( CFPB ) to take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. 

The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your attention to these matters. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting

I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

My correct phone number is XXXX Item # 1 : I XXXX - XXXX, this account IS MORE THAN 10 YEARS OLD. Please delete. 

Item # 2 : XXXX - XXXX ...., account not mines, please delete. 

Item # 3 : XXXX XXXX XXXX XXXX XXXX ...., fraudulent account, please delete. 

Item # 4 : XXXX XXXX - XXXX ...., fraudulent account, please delete. 

Item # 5 : XXXX - XXXX ...., this account is duplicated, both should have been deleted. 

Item # 6 : XXXX XXXX - XXXX ...., this account is aid in full not charge off. Proof is enclosed. 

Item # 7 : XXXX XXXX - XXXX ...., fraudulent account, please delete. 

Item # 8 : XXXX XXXX - XXXX ...., account was paid in full prior to being a charge off. 

Please delete address XXXX XXXX XXXX XXXX XXXX Tx. Never lived there. 


The following information is part of your credit history and is provided to others. 

Inquiries below are not mines and should be deleted. 
XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016
Product: Mortgage

loanDepot not processing payment checks in a timely manner. I've had this issue with loanDepot several times. Takes them 3 weeks+ to process payment. 

This can impact my credit. loanDepot blames postal service. Other checks mailed same time are processed within a week. 

When I call, told I can pay online. loanDepot forcing customers to pay online. 

Please advise.
Product: Debt collection

I received by mail, a letter from Transworld Systems Inc., trying to collect a supposed energy service pending to pay invoices. It shows 2 accounts on late payment status that are not mine. 
The accounts are from an energy power company named XXXX XXXXXXXX XXXX XXXX from ( both ) XX/XX/year> for the amount of {$370.00} and {$380.00}. I have never worked with that energy company. This is the third time TSI try to collect this invoices from me and this is the third time I have to reject and clarify the wrong collection with them. 
My Energy provider at that dates were XXXX XXXX and my address is XXXX XXXX XXXX XXXX. XXXX, TX XXXX. I dont have any other addresses. So what TSI are trying to collect are fake or for another XXXX XXXX ( homonym ) accounts. 
It is important to mention that about four years ago I put a Security Freeze in my Credit Report to avoid this kind of problems. So it is not possible that this accounts exists due that I never consented them. 
If Transworld System Inc. and XXXX XXXX XXXX  XXXX insist in not removing these fake accounts, I will demand them ( again ) to show me proof, copy of the Energy Bills that they falsely claim I didnt pay, including the following information : - Account Number - Invoice Number - ESI Number - Meter Code Number - Customer Name - Customer Address - Previous Meter Read - Current Meter Read - Kwh Usage - Bill Date - Total amount due - Period of electricity provided. 
- Opening Balance - Balance Forward - Due date - Electricity Charges- XXXX  Charges - Cost per Kwh Thank you!
Product: Debt collection

I want to commend XXXX XXXX the Director of this agency on it 's successful lawsuit against Midland Funding LLC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX..I am having the exact problem " again '' with this cockroach collection agency. Out of nowhere there appeared a completely bogus fraudulent item on all XXXX of my credit reports. I mean completely fraudulent!!! Exactly what you sued them for is exactly what they are doing to me. The item actually says " all historical data deleted ''!!! XXXX, and XXXX immediately removed the item, but XXXX has not. I want you to know since XXXX is based in XXXX I filed a complaint with the Attorney General of XXXX.I received an email form them last week saying they have received my complaint. Director XXXX, I implore you to again take action on this XXXX company. May I respectfully ask you? How come no one has gone to jail here? This is Criminal Enterprise!!!!!!!!!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate reporting of a XXXX  item ( # XXXX ) on my credit report. This item was disputed and correctly deleted and removed from the systems of the original data furnisher, XXXX on XX/XX/year> as confirmed by correspondence in my possession ( See Attachment ). Despite this, your agency has claimed the item as verified upon re-investigation, thereby validating inaccurate and misleading information. 



In addition to this violation, I have not provided permissible purpose as required under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ) for this item to be reported on my consumer report. This is a clear breach of my consumer rights, and the continued reporting of this item constitutes unauthorized and unlawful activity.

Under the FCRA, you are obligated to : 1. Ensure the maximum possible accuracy of the information you report ( 15 U.S.C. 1681e ( b ) ).

2. Conduct a reasonable investigation into disputes ( 15 U.S.C. 1681i ).

3. Only report information for which a permissible purpose exists ( 15 U.S.C. 1681b ). 



Your failure to comply with these legal requirements has caused significant harm to my creditworthiness, impacting me and my family financially. 
I demand the following actions : 1. Immediate deletion of the inaccurate XXXX  item ( # XXXX ) from my credit report.

2. Written confirmation of the deletion within 30 days.

3. A written explanation of the permissible purpose, if any, under which this item was reported.

Failure to comply with this request may result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities. Furthermore, I reserve the right to pursue civil remedies for willful non-compliance and violations of the FCRA ( 15 U.S.C. 1681n ). 



To support my dispute, I have enclosed the following documentation : Correspondence from XXXX confirming the removal of the item. 

A copy of my Drivers License including a copy my utility bill. 



I expect this matter to be resolved promptly by this agency and await your confirmation of the deletion as XXXX has since complied. Thank you for your immediate attention to this critical issue.
Product: Credit card

I have had muitiple calls from the XXXX XXXX about a balance for my Barclay Credit Card. I have explained my situations with both them and the orginal credit card. XXXX keeps calling up to 8 times a day from XXXX XXXX to XXXX XXXX threating, harrising, and demanding. I have explained to them not to call and they then started to call my place of employment muitiple times. The day of this report they called my phone 3 times and my work once and its XXXX CST. Ths is on going since XXXX/XXXX/2016.
Product: Credit reporting or other personal consumer reports

I have disputed multiple times with transunion via online and over the phone regarding a collection account that is being illegally reported on my credit report. XXXX XXXX XXXX XXXX Is the account on my credit report with transunion in XXXX  shortly after I noticed the account being reported on my credit report I contacted XXXX XXXX XXXX XXXX directly asking for validation and verification of this debt. I never received anything in writing. XXXX and XXXX removed the account immediately but for some reason transunion will not remove the account. This is causing significant hardship for my family. We are hurricane Ian survivors who lost everything. Unable to be a first time homebuyer or even get a new reliable car because of my transunion report. It is mind blowing that they can get away with this for so long. Transunion needs to be held accountable.
Product: Mortgage

Pennymac.com My account was set for auto pay, draft on the 1 day of each month of principal and interest plus escrow, a fix amount of monthly payment. 

On XX/XX/XXXX, I made a payment which supposed to be due on XX/XX/XXXX. Pennymac.com account portal recognize the payment. The information generated from the Pennymac.com account portal shows my next payment due day is XX/XX/XXXX. 

However, on XX/XX/XXXX, Pennymac.com drafted a monthly payment that is not due ( due on XX/XX/XXXX ) and would not able to reverse it. I have called twice, XXXX and XXXX. They have given me 7 days and 2 days, and 1 hours to solve the problem, but nothing was done. The payment drafted by Pennymac on XX/XX/XXXX created over draft on my bank account. They were continue to overdraft when the first failed after 7 days. Their customer rep 's words that they put request to reverse the prepayment of XXXX don't seem have any effect. My bank account is {$1300.00} negative balance and any funds in goest to fill in the negative balance first. I could not conduct normal business such as paying a small amount to the vendors who rendered works for me and waiting to be paid. 

They are fully aware of the situation. However, nothing has been done. Their system designed to draft funds even it is not due.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX - Loan # XXXX Pay off amount - XXXX $ In accordance with the Fair Credit Reporting act 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 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I want to acknowledge your efforts in removing some of the disputed accounts from my credit file, following my previous dispute. However, I wish to address my confusion and concern as there are still discrepancies on my credit report that remain unresolved, despite being successfully rectified by other credit bureaus. The following accounts are still inaccurately reported on my credit file : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXXXXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX. I want to emphasize that these accounts have already been removed by the other credit bureaus. I have attached the necessary documentation to support my claims, and I request a thorough investigation to correct these inaccuracies promptly. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Product: Credit reporting or other personal consumer reports

Capitol One reported an alleged debt to a third-party without permission.
Product: Checking or savings account

Wells Fargo has a practice of charging overdraft fees eventhought the money was actually there when the transactions were done. I have had an acct. with them for 22 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act - XXXX  XXXX Bankruptcy Case Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXXXXXX Account Number : 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 a account without my written Consent
Product: Checking or savings account

I deposited three checks from the XXXX treasury into my Chime account. Dates deposited and amounts below : XXXX XXXX XXXX : {$990.00} XXXXXXXX XXXX XXXX  : {$750.00} XXXX XXXX XXXX : {$1200.00} I used mobile deposit. I received a notification that it would take five business days to receive the money, even though I read that government funds are supposed to be made available within one or two business days. As of this morning, Friday XXXX. XXXXXXXX XXXX I still have not received the first payment. I believe Chime is unfairly withholding the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax continue to report erroneous info on my credit file. I have uploaded proof of payment for an account with XXXX XXXX XXXX XXXX and they continue to report the account as charged off with an unpaid balance.
Product: Credit card or prepaid card

On the date of XX/XX/2020 JP Morgan Chase closed all of my credit accounts. 
With no valid reason for closing my accounts what so ever. I called the company asking why my accounts were closed unfairly and I would like them to be reopen. Hence I didn't do anything wrong or fraudulent with my accounts.
Product: Debt collection

This company calls my phone constantly. I have called them & told them that I am not the party they are trying to reach, but they still keep calling. They have called 2 times so far on XX/XX/2019, 3 times on XX/XX/XXXX, 5 times on XX/XX/XXXX, 2 times on XX/XX/XXXX, 5 times on XX/XX/XXXX, 3 times on XX/XX/XXXX. This is just a sample of the past week. Some days, they call over 10 times! I've attached a screenshot from my phone that shows the frequency of the calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

The companies are Empire Finance and XXXX XXXX XXXX XXXX XXXX I have been paid out on my loan since XXXX 2016 and it is showing on my credit report account is still open with a XXXX balance.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and realized some alarming information. I found there were fraudulent accounts that I have no knowledge of. I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made. I believe I am a victim of Identity Theft. 

These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts. This is in clear violation of my Fair Credit Reporting Act ( FCRA ). 

I ask that the accounts listed below be removed because its in clear violation of The Fair Credit Reporting Act section 15 U.S. Code 1681i - Procedure in case of disputed accuracy. I ask that the accounts and inquiries be investigated thoroughly and as a result removed from my credit report. 

This account is linked to an incorrect address listed on my credit report. 
I am writing to dispute the incorrect address listed on my credit report. My personal information, as well as a copy of my credit report highlighting the incorrect address, are included with this letter. 


I respectfully request the removal of the incorrect address from my credit report. Please verify the accuracy of my correct address and update your records accordingly. AN IMMEDIATE REMOVAL OF THIS ACCOUNT!
Product: Debt collection

Opened in XX/XX/2014. I was told to pay off account cost a specific amount by worker at XXXX XXXX. I paid that amount and was told I am out of my contract. Checking my credit report is shows that I owe an amount that I have never confirmed. I was tricked by this company and it has caused credit issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX- {$1700.00} XXXX XXXX  I have reported this account numerous times because it's fraud. I don't know nothing about this account. 


XXXX XXXX XXXX XXXX XXXX ) {$600.00} Reported on my report XXXX XXXX I know nothing about this report because I'm not aware of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items listed on my credit report. I recently obtained a copy of my credit report and found multiple inaccuracies that are negatively impacting my credit score. Below, I have provided details regarding each item and the reasons for my dispute. 

XXXX XXXX Account Number : XXXX Please remove the incorrect late payments from this account, as you can not report this account as updated when nothing has been changed. The same incorrect information is still being reported and nothing has been updated. 

XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove the incorrect late payments from this account, as you can not report this account as updated when nothing has been changed. The same incorrect information is still being reported and nothing has been updated. 

XXXX. Unknown Accounts : I have never had any business relationship with the following companies, and there is no way these accounts belong to me. Please delete these unknown accounts from my credit report immediately : Account Number : XXXX XXXXXXXX XXXX, Account Number : XXXX XXXX XXXX XXXX, Account Numbers : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX. Inaccurate Information : There is no record in my possession that the following accounts belong to me. You must remove this inaccurate information from my credit report without any delay : XXXX, Account Number : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX, Account Number : XXXX Please investigate these matters promptly and remove any inaccurate information from my credit report. I kindly request a written confirmation of the completion of these actions. 

Thank you for your attention to this matter. 

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

XXXX XXXX amount {$980.00}, XXXX XXXX XXXX ( XXXX ) i disputed this MULTIPLE TIMES and all the times they have taken it off my report and after each time all three bureaus are allowing them to put this collection back on my report. I've asked for proof of this collection and to investigate it and they don't send they only add it back on and says its verified ive also sent a Sease and desist and never gave the permission to contact me laws 15 USC 168i ( a ) 6 ( b ) 3 laws 15 USC 1681i ( a ) ( 5 ) b
Product: Checking or savings account

Had hotels put hold on card for incidentals. Cash app told me holds are released within 7 days. The last time I had a hold it was released within 7 days. Now they are telling me 14 days. So they lied to me and are continually holding my money. Ive already contacted both hotels and funds have been released. Contacted their customer service and all they do is give me the run around and sometimes not even answer at all.