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

After doing several disputes with Experian, and XXXX. I am still not getting the investigation that I asked for. By the credit bureaus not doing the investigation it is allowing negative remarks on my credit report. Enclose is the information that I sent to all of the Bureaus and the Creditor asking for validation. The information was completely ignored from creditor XXXX. Both Experian and XXXX failed to do an investigation before reporting false information. XXXX failed to respond several letters. The Reporting address on file is not and never was my address.XXXX XXXX XXXX XXXX XXXX Kentucky XXXX
Product: Debt collection

Joseph Mann and creed have contacted me twice at work now. The first time of contact was on XX/XX/21 around XXXX. My job is for XXXX XXXX. Its a XXXX XXXX. They call there asking to speak to me. First thing is first I dont owe anyone any money to begin with. Second you cant call an XXXX XXXX to collect a debt. I told them to stop calling in shorter terms. They have again called at my place of employment on XX/XX/21 at XXXX. This needs to be taken care of and stopped.
Product: Debt collection

I previously disputed both referenced accounts above on XX/XX/2018 with a dispute letter included in this dispute to XXXX XXXX, XXXX. The XXXX credit report dated XX/XX/2018, report # pg. 21,22 shows the debt collector at the time was XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX, XXXX, for account # {$1000.00}. 

A XXXX credit report dated XX/XX/18 enclosed with this dispute on pg. 4 of 6 results shows the account # {$1000.00} was deleted! 

Account # for {$690.00} was also disputed along with the previously disputed letter to XXXX XXXX indicated in the letter. 

Now I notice these items have been reinserted on my credit report under COMMONWEALTH FINANCIAL SYSTEMS, XXXX XXXX XXXX, XXXX XXXX, PA XXXX, XXXX. 
Also, the account under collector, COMMONWEALTH FINANCIAL SYSTEMS for {$690.00} is the same account under account # for {$690.00} was also disputed at the same time as account # for {$1000.00} In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinsert in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes, I sent a follow-up dispute ( XX/XX/2018 ) by means of a Credit Repair Organization, Equifax has failed to respond. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX XXXX   XXXX never late XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine COLLECTIONS XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX   XXXX XXXX XXXX not mine XXXX XXXX/XXXX XXXX not mine XXXX XXXX   XXXX  XXXX XXXX not mine XXXX/XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX/XXXX XXXX not mine XXXX  XXXX not mine XXXX XXXX   XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items on my credit report. Despite multiple attempts to dispute and remove these fraudulent items, they persist on my credit report, causing me significant financial harm and emotional distress. I would like to provide a brief overview of my efforts to address this matter : I first became aware of the fraudulent items on my credit report. I promptly reported the fraudulent activity to your credit reporting agency and initiated disputes for each of the fraudulent accounts. 
Subsequently, I have made several attempts to dispute these fraudulent items by providing all necessary documentation and evidence to support my claims. I have also been in continuous communication with the creditors associated with these fraudulent accounts to resolve the issue. Despite my commitment to resolving this matter, the fraudulent items continue to appear on my credit report, and they have not been removed, updated, or properly investigated by your agency or the creditors involved. These unresolved issues on my credit report have caused me significant financial hardship and XXXX XXXX I have followed the proper dispute procedures and expected timely resolution and accurate reporting of my credit history. I kindly request that you take immediate action to thoroughly investigate and remove these fraudulent items from my credit report. Additionally, I ask for a written response outlining the steps your organization will take to rectify this matter and prevent future occurrences of fraud on credit reports. I am aware of my rights under the Fair Credit Reporting Act and other applicable laws, and I will not hesitate to take legal action to protect my rights and interests if this issue remains unresolved. I am asking for your immediate assistance to remove the following fraud items in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$9000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4000.00} ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$9000.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$4000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX XXXX A cease and desist on XX/XX/2021. Pursuant to the FDCPA theyre willfully violating my federally protected rights. A cease and desist is to cease all forms of communication. And communication pursuant to the FDCPA means to convey information regarding a debt directly or indirectly through any medium. XXXX XXXX is harming my reputation to lenders by not abiding by my rights. This is causing me great harm when it comes to me providing for my family by constantly being denied due to XXXX XXXX not ceasing communication through all mediums
Product: Credit card

I have reached out through the automated service several times addressing concerns in the past. Now for the last week I've been trying to call customer service and I strictly can not get through. The automated service asked me to put in my last four digits of the card and then my PIN. I do so correctly. Then they say unfortunately we can not take your call at this time, Try back later. I can not get through the customer service!
Product: Debt collection

I open up a XXXX acrd with my son and about 2 to 3mos I decided I did not need the card we went to the bank was told we have to bring our id and that they would remove me from the card no problem. we left couple of months later I ask my son how was he doing he said he was behind I ask him to let me help found out he was XXXX in debt ask why my name on here he said that 's how the bill come I was furious at him in XXXXXXXX XXXX  I called ask what happen they explain they cancel my cark but not me as the primary owner, I begin start making payments they would return payments I had no account number but I had the same ssi number still reyurn I called every day and finally they called me to make a settlement I excepted to pay XXXX for the XXXX. I had until XXXX XXXX I made the payments ontime finish in XXXX rcd a call in XXXX sayi been sent to collecton agency and I owe XXXX but I paid the settlement now I asking for a receipt from XXXXXXXX XXXX they say they do not give receipts and the ars national collection say I will have to wait a month until they review I have until XXXX XXXX help me please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mailed in documents to Both Transunion and XXXX. Never received a response. I called both over the phone and initiated a dispute for several fraudulent accounts appearing on my credit report. I've received a noticed that the items were verified as accurate. I called back and each time was forwarded to a call center outside of the United States, and my documents weren't able to be verified. I've filed a complaint with the FTC, and a identity theft report. Please forward these documents to the appropriate department for processing.
Product: Credit reporting

I checked my credit report and do not know what this debt is on my credit. I did not authorize and have never had service with this company its fraud
Product: Credit reporting

I have repeatedly disputed unauthorized hard inquiries via Equifax 's online dispute route, I have faxed them about the disputes and I have called them several times to no resolution. The reps were unfriendly and unwilling to help. I am only having an issue with Equifax, the other XXXX bureaus resolved with no conflicts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has opened up an XXXX XXXX under my name, and put it under my other family members old email address. My other family member is experiencing identity theft as well. We were both victims of the XXXX data breach and XXXX XXXX breach. This needs to be investigated and removed from my credit report as soon as possible.
Product: Checking or savings account

Complaint on Capital One bank : I applied for a 360 money market account with Capital One in XX/XX/2018. They were running a {$500.00} checking bonus promotion, and the requirements were to deposit {$50000.00} between XX/XX/2018 and XX/XX/2018. 

I made two deposits of {$25000.00} on XX/XX/XXXX and {$25000.00} on XX/XX/XXXX, and so the terms and conditions are met. 

On the terms, it did mention that it may take up to 60 days for the bonus to be deposited into the account. After the 60 days passed, the bonus was not deposited into the account. 

I contacted the bank today ( XX/XX/2018 ) on two separate occasions and received two drastically different responses on how I didn't meet the bonus requirements. Some of the responses even added new terms that didn't exist and contradicted one another.
Product: Debt collection

This trade line associate with the credits through this collection agency has been opened fraudulently as a result of identity theft. This is not my account, i did not apply, nor provide consent for this trade line. 

Provide wet signature and iD verification that this debt belongs to me.
Product: Mortgage

The lender was provided our third part authorization XX/XX/XXXX - we have spoken to the lender hundreds of times since then and was provided a loan history report by a rep on XX/XX/XXXX and on XX/XX/XXXX we were advised that our TPA is no longer valid and that the client needed to provide authorization to the lender for them to speak to us on the clients behalf - The lender is in violation of the clients right to counsel - XXXX XXXX has not required this on any other loan that our firm handles for their clients - More than XXXX files to be exact. We feel the lender is delaying the request for assistance and not willing to assist the client due to making this unacceptable request to assist the client with saving their home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts that are listed in this complaint are a result of identity theft. Please delete these accounts and block them from my credit report because I have not gotten anything form these companies.
Product: Debt collection

The same criminal acts by some person or persons NOT known to me at all in attempting or already attempted in getting a loan and/or credit by falsely using my name and identity. 
I would like to have the Federal Bureau of Investigations ( FBI ) involved with investigations by the CFPB. 
I have submitted a letter by an attorney for XXXX XXXX XXXX as my proof of this complaint.
Product: Mortgage

Loan was paid off with Dovenmuehle Mortgage on XX/XX/2020. After the mortgage was paid off they took my mortgage payment anyway on XX/XX/XXXX. I called on XX/XX/XXXX to ask them to return my funds they said the funds would be in my account on XX/XX/XXXX they were not. On XX/XX/XXXX they made me send in proof that the money left my account even though they had the funds. New answer on XX/XX/XXXX was 3-5 days this would be expedited to my account. Call in XX/XX/XXXX stated the transaction was going out today and would be another 3-5 days. She stated it would be a wire transfer now they are saying bank draft. Also Escrow account has not been returned. Loan number with dovenmuehl mortgage XXXX. Supervisor spoken to on XX/XX/XXXX XXXX
Product: Debt collection

Good afternoon, Kahr 's Law Firm garnished my paycheck despite me disputing this loan. I informed them that I was not aware of the loan. The were not able to provide me anything with my signature just something that was filled out online which anyone could have completed. I was not notified of this debt by the original creditor. I was told that I supposedly took the loan out in XXXX and the garnishment did not happen unlit XXXX 2 years later. Please check into this as I feel that this was a true violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

Mutiple inquires on my credit report from XXXX, XXXX, XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX total inquries ). I also have XXXX accounts on my credit report XXXX Discover card opened in my name in 2005 when I was XXXX XXXX XXXX, XXXX account for XXXX XXXX  XXXX that had a {$630.00} charge with a credit limit of {$250.00} All of this activity Is identity theft, I did not approve any of this activity. I have frozen my credit, filed a fraud affidavit with the FTC, will file a police report, have a credit monitoring service that has opened a investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union continues to report companies with {$0.00} balances as delinquent such as XXXX XXXX, XXXX XXXX   and XXXX XXXX.

It is also reporting multiple inquiries to whom a lot of have given no consent to run my credit.

It is also reporting a new account XXXX XXXX XXXX that I have had no contact with and am not the designated owner of the account.
Product: Credit card

My Request : Please tell Chase bank that they must remove this false past due amount of {$420.00} from all three credit bureaus expediently. This is completely illegal and unethical for Chase bank to put a LIE on my credit report. 

There is not a past due amount as I have not missed a payment in over a year ( 14 months to be exact ) I have proof and evidence that Chase has put false information on my credit report. In addition to my on time/ current payment history, the proof simply in the pudding. Both Chase Account Statements and my credit reports from ALL THREE credit bureaus shows XXXX dollars past due for all of XXXX and XXXX as well. I have proof that I made payments on time. I have proof that Chase reported my account as current from XXXX to XX/XX/XXXX. I have proof that EVERY MONTH Chase said {$60.00} dollars is due. I paid this as agreed. NOT ONCE did Chase put a past due amount on my statements in the ENTIRE YEAR of XXXX. 

Chase unethically put a past due amount of {$360.00} on my credit report on XX/XX/XXXX. For my XX/XX/XXXX credit report, Chase bank ILLEGALLY increased this past due amount to {$420.00}. Mind you Chase sent the account to a third party collections agency on XX/XX/XXXX. This is UNETHICAL to put a false past due amount on my credit report. 

Additionally, on XX/XX/XXXX Chase bank UNJUSTLY changed my account 's payment history for all of XXXX and XXXX. I made all payments from XX/XX/XXXX to XX/XX/XXXX. Chase falsely put on my credit report 18 times over 90 days late. This is a lie. From XXXX to XX/XX/XXXX my credit report showed XXXX ZERO times 90 days late. 

From the year XXXX to XXXX, I have really been trying to improve my credit. I actually increased my score XXXX points in a year. Chase banks unethical caused my score to drop. No REPUTABLE company would do that to college students just trying to improve credit and pay off debt. Chase bank 's unethical reporting is completely reprehensible. 

This is just WRONG and Chase banks needs to be reprimanded for the emotional trauma and distress that their false reporting has caused me. So many nights I cried myself to sleep. How could they treat anyone like this??? As I stated, I have not missed any payments in over a year. 

This INNACURATE AND FALSE credit reporting from Chase bank is illegal as well as unethical. Chase must remove the false past due amount and false payment history items from my credit report expediently. 

The past due amount is WRONG and a LIE as there is ZERO RECORD OF ANY PAST DUE AMOUNT IN ALL OF MY ACCOUNT STATEMENTS AND CREDIT REPORTS FROM THE ENTIRE YEAR OF XXXX TO XXXX. The past due amount needs to be removed from my credit report IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO CFPB- THIS IS LAW- THIS COMPANY HAVE TO ABIDE BY LAW AND YOU MUST SEE THAT THEY DO OR YOU WILL BE IN VIOLATION : Under the laws UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS.

9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. 

If no such proof is provided within 15 days from receipt PER LAW, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.
Product: Payday loan, title loan, or personal loan

Repeatedly calling and calling my contacts repeatedly after I've talked with them and told them my situation... the fact that I can't afford to make payments due to income changes. I've told them on several occasions to stop calling my contacts. I've lost a couple friends, got in trouble with my son in law and my landlord isn't happy about them calling her.
Product: Money transfer, virtual currency, or money service

PayPal has closed my account because they alleged that I wrote 2 checks that were returned on XX/XX/2019 in the amount of {$49.00} and {$35.00} on XX/XX/2019. This allegation is false and has been reported to the 3 credit bureaus and has adversely affected My credit report and rating. I checked my bank account and there have been no returned checks from PayPal and they have submitted erroneous information to the 3 credit bureaus.
Product: Mortgage

PNC Mortgage forces me to pay {$7.00} fee each time to make a payment online, even if weeks prior to the due date. They either force you to bank with them, which I do n't. Force you to setup recurring monthly payments, which because I get paid bi-weekly, I do n't want to sign up for as I pay my mortgage early, but differently each month. The last option is to send them a check, which still costs me money because I do n't write checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Auto Finance on XXXX, XXXX, 2021 made an autopay withdraw from XXXX XXXX. This payment was returned due a banker error, I have physical documentation from XXXX confirming it was banker error on a XXXX letter head wth manager contact information. Capital One has made no effort to try to rectify this, I have called multiple times, sent credit disputes directly to lender in question. They have brushed me off, as a customer who has never any payments.