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

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off 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 {$460.00} Personal Information Employers : XXXX XXXX XXXX XXXX XXXXurrent Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX
Product: Debt collection

I 've received multiple phone calls within the week, threatening me with undefined action and that they will be " actively pursuing '' me at my home and place of employment. They do not provide the name of their company, nor information regarding the " debt ''. 
They have called my sister and have left the same message on her home phone. 
The phone number is XXXX ( XXXX, FL ). A XXXX search shows that it might be a company called Recovery Solutions. The message also states that they can be contacted at " XXXX '', whatever that is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an Account with XXXX XXXX. My credit report reflects that a 30 day late payment has been reported for XXXX and XXXX XXXX This is incorrect. I contacted XXXX who concurs that my account has never been late. They informed me that they could not send me a letter but I would need to dispute directly with the credit bureaus since they do not see me in their systems as every having been paid late. I have disputed with all three credit bureaus with no success. I am in the process of applying for a mortgage and this incorrect reporting is penalizing me. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. XXXX without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in XXXX ( XXXX ) days to failure to comply with these federal regulations by the FTC XXXX XXXX, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting 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 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
Product: Credit reporting or other personal consumer reports

JPMCB Card- {$1800.00} XX/XX/year> sent letter to company asking to provide me with the original contract with my wet ink signature. XXXX didn't send anything just said it was verified. XXXX XXXX- {$8700.00} XX/XX/year>, sent letter to company asking to provide me with the original contract with my wet ink signature. Company didn't send anything just said it was verified. XXXX XXXX XXXX XXXX {$5000.00} XX/XX/year> sent letter to company asking to provide me with the original contract with my wet ink signature. Company didn't send anything just said it was verified. 
XXXX XXXX XXXX XXXX {$0.00} XX/XX/year> sent letter to company asking to provide me with the original contract with my wet ink signature. Company didn't send anything just said it was verified.
Product: Credit card or prepaid card

on XXXX/XXXX/XXXX I got a fraud alert on on my computer from Chase asking me if a purchase form XXXX XXXX ( XXXX ) for {$5900.00} was mine as it did not fit my  pattern of behavior. I said no and they immediately closed down my account and sent me a new card and credited my account for the purchase. About one or two billing cycles later the charge reappears on my account. I called Chase and asked why and they said that XXXX says it 's mine. I disputed the charge and was again told that XXXX still says it 's mine. I made a few calls and spoke with the Security director oXXXX XXXX. They said it was charged to my account and sent to my address and that 's that. I asked for and received a copy of the XXXX receipt of delivery. It was signed on XXXX at XXXX which is a Wednesday at which time I am at my desk in another state ( NJ ), with my name but is not my signature. The name was simply spelled out in pseudo script.I explained to them that I live in a doorman building and we do n't sign directly for packages. The doormen do on a computerized system. I asked for and received a copy of the computer log from the co-op management and, of course, I received no package from anyone on that day. I have since spoken with a dozen people from Chase 's Fraud dept.after again filing a dispute with them. They say that XXXX wo n't relent and that it is my charge. From the people at XXXX and Chase I learned that it was a phone order, I have no idea where the order confirmation was sent but I received none, and the the item purchased was a XXXX Handbag for {$5900.00}!! I just filed an XXXX report but the charge is still on my account. I will not pay the charge and want it, and any accrued interest on the charge refunded and damages for four months of sleepless nights and aggravated days that I have had to suffer. My assumption is it is someone at XXXX as they are the only ones that have access to those delivery receipt computer machines.
Product: Credit reporting or other personal consumer reports

I have a hard credit inquiry in my Equifax credit report under the name of XXXX Bank XXXX ( XXXX XXXX Credit card program ) with date XX/XX/XXXX. I have never applied to any XXXX XXXX and/or XXXX Bank credit card, neither I am a customer, or have been a customer, of either companies. I reached out to XXXX Bank on XX/XX/XXXX about the credit inquire, and they assured me there were no records under my name, email, phone number, and/or social security number in their system with a past or active application. Simultaneously, Ive opened XXXX ( XXXX ) disputes about the hard inquiry with Equifax, dated XX/XX/XXXX and XX/XX/XXXX, and they have both been closed less than XXXX hours after with a seemly automated message of the inquire is accurate and will remain in your report. I have tried to reach out to Equifax via phone on XX/XX/XXXX and XX/XX/XXXX without success after more than XXXX minutes on hold.
Product: Debt collection

A XXXX woman called from a company named Profit Services Group in XXXX, Ga. and stated " We will quit XXXX calling when you pay your " XXXX '' eye doctor bill. " I replied I do n't owe any eye doctor bill because I have n't seen an eye doctor in years. She replied again, : '' Pay your " XXXX '' bill and we 'll quit XXXX calling you. '' They continue to call at least every other day from a robo call { XXXX & XXXX } '' that has a recorded message asking me to call back on their main number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize nor did I authorize the following inquiries to be made : Usaa Fsb Cc XX/XX/XXXX Usaa Fsb Cc XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

5th Attempt pls correct my address THIS IS THE ONLY CORRECT ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Please delete all other addresses I have sent certified letters 4 times and made a complaint with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. 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 XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE
Product: Credit card or prepaid card

Comenity has some kind of scam going on. I placed an order with XXXX XXXX, and as soon as I received the bill I tried to log on to pay online. 
Repeated efforts failed due to their supposed " technical difficulties ''. I had to order paper checks to pay by mail, so of course I missed the due date. 
The next month, I got a bill from XXXX XXXX with a late fee of {$45.00}. 
Needless to say, I refused to pay for their " technical difficulties ''. 
They have done nothing but harass me ever since with endless phone calls and monthly bills racking up {$45.00} a month for XXXX months now. 
They suggested I write to them to dispute which I did. Still the endless phone calls won't stop. 
XXXX XXXX is of no help. They have lost a customer.
Product: Money transfer, virtual currency, or money service

Pnc is not allowing XXXX  to sync so we can accept payments online
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them toinvestigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX
Product: Credit reporting or other personal consumer reports

I HAVE REACHED OUT TO TRANSUNION SEVERAL TIMES THROUGH CERTIFIED MAIL, PHONE CALLS ABOUT MY CREDIT REPORT NOTHING HAS BEEN DONE. THE ORIGINAL CREDITOR UPGRADE NOW IT IS WITH XXXX XXXX XXXX XXXX XXXX THIS HAS CAUSED A GREAT DEAL OF STRESS ON ME. I HAVE BEEN HINDERED FROM BUYING A HOME AND JOB OPPORTUNIES .THIS IS A DEFLAMATION OF CHARACTER AND AGAINST THE LAW. 
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.

in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.

in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I once more requested that the false information that had been removed by another credit reporting agency after it was shown to be false be corrected. Credit Bureaus have disrespected FCRA standards and my request for verification because of your lack of response, or your frivolous response, in my opinion. I have to update my records and fix mistakes made by credit bureaus. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX0}
Product: Credit reporting, credit repair services, or other personal consumer reports

A balance is reporting on my Chase account in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. This account was paid off. I have tried to resolve this issue directly with Chase and they have failed to correct it.
Product: Mortgage

COMPLAINT AGAINST WELLS FARGO AND XXXX XXXX XXXX XXXX XXXX XXXX Amortization period for the loan was extended from 360 months ( Loan maturity on XX/XX/XXXX ) to 480 months ( that is Loan Maturity on XX/XX/XXXX ) .But SLS state the loan maturity as XX/XX/XXXX ; instead of XX/XX/XXXX to create a fraudulent fictitious balloon amount of {$380000.00} added to the current loan of {$610000.00} because they used 360 months maturity to amortize the loan contrary to the 480 months, which they claim falsely is the new amortization period ( see page 54 of attachment ) I do not see how this is a Mortgage Relief Option. To address an unpaid arrears of {$100000.00} ; XXXX introduced a fraudulent fictitious balloon amount of {$380000.00}. 1.Wells Fargo and XXXX should be directed to remove the balloon amount of {$380000.00} to be a truly a mortgage relief to enable me commence the trial period commencing XX/XX/21. It is fraudulent for Wells Fargo and XXXX to state the maturity date as XX/XX/XXXX. This date is a strange introduction and has no basis. Wells Fargo and XXXX should harmonize the maturity date of XXXX and amortization period of 480 months. 2. I did not apply to increase my financial burden and lose my home. Am I being maltreated because I am minority and XXXX? I never contracted any loan from XXXX. They were imposed on me by Wells Fargo as Servicer. Wells Fargo manipulated my loan accounts and expect me to accept their fraudulent practices without seeking for fair and equitable resolution. 3. If I can not get fair and just intervention from CFPB, I will engage my representatives both in the House and Senate to help me out ; and the courts. I am aware a good number of XXXX and minority home owners have dispossessed of their homes fraudulently ; and sold for pennies to XX/XX/XXXX. 4. Minority interests and XXXX people should also be considered and not serially and continuously abused. cc. Senator XXXX ; Mrs. XXXX XXXX ( Chair, Financial Services ; Senate Majority Leader ; Senator XXXX ( NY )
Product: Mortgage

I,  XXXX   XXXX  am the property located at  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , CA,  XXXX .   NATIONSTAR MORTGAGE, WHO CLAIMS TO BE MY SERVICER OF A LOAN HELD BY   XXXX   XXXX   XXXX    XXXX   XXXX  as Trustee for  XXXX   XXXX   XXXX   XXXX ,   XXXX    XXXX   XXXX  have refused to respond to my Qualified Written Request asking them to provide me with proof of the " person entitled to enforce, ''  (   XXXX   )  or that it was someone who held some ownership or other interest in the Note.  See In   XXXX   XXXX ,   XXXX   XXXX   XXXX   XXXX ,  XXXX  (   XXXX   XXXX   XXXX .  XXXX  ). They have repeatedly refused to set forth any documentation demonstrating that they are the holder of a secured loan on my property or the loan that allegedly secured by my property ; yet, they continue to attempt foreclosure without compliance.   I have served several Qualified Written Request upon these entities specifically requesting detailed transaction and full disclosure of the  XXXX .   On  XXXX   XXXX ,  XXXX  there was a full reconveyence recorded on the title of my property. Yet, Nationstar Mortgage continues to pursue a foreclosure sale outside of the law governing foreclosure and statute of fraud.   A genuine mistake, error or fraud was committed. The alleged Foreclosure  Sale is  based upon fraudulent and forged documents that can be proven. There has never been any assignment of deed of trust or properly recorded substitution of trustee, who is attempting to conduct foreclosure sale.   The gravamen of this case is the invalidity of the notice trustee sale by alleged trustee that was not properly substituted and the alleged servicer never acquired assignment of the deed of trust in order to foreclose. All documents used by the alleged parties foreclosing are forged, falsified and can not be confirmed.  ( See a ttached Qualified Written Request and Agreement Letter from Congressman  XXXX   XXXX ,   XXXX   XXXX   California and Recorded Full Reconveyance attached hereto ).
Product: Debt collection

I am unaware of this Debt I didnt have the proper opportunity to Dispute this Debt. I didnt receive proper notification if in fact you believe I received proper notification please provide the proof of the Certified Mail With Receipt with my signature on there stating I received it I have reached out before trying to get this Debt off my credit report your company responded that you guys have the account that was opened with the same email i have provided in this complaint. That donot properly showing proof of certified mail with Receipt with my signature Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
My attorney and your legal staff will agree that non-compliance with this request
Product: Mortgage

Check # XXXX. Services misapplied funds to a totally incorrect account, violating every financial regulation. Specifically, where ( principal, interest, Escrow, etc. ) were check # XXXX funds applied, and why?
Product: Student loan

The interest keeps climbing and my lian amounts nearly doubled, which makes it merely impossible to pay my student loans. Im a single mother, and I barely make it day to day for basic necessities.
Product: Vehicle loan or lease

I paid off my vehicle XX/XX/2021. The check cleared XX/XX/2021. Bank of America keeps making apologies and promises that never materialize and there is still a lien on my title. Please assist me in releasing my lien.
Product: Checking or savings account

I called to Dispute a XXXX with my Bank and they credited my account took all the information. Then Chase Bank proceeded to close and deny the claim without proper investigation or sending me any information in regards to the claim even after requested claiming the merchant denied the claim and refused to provide the documentation the merchant provided, and told me to work it out with the Merchant after the being told Multiple times the Merchant has refused to work with me or speak to me about a refund on returned merchandise I was unable to use and was within my thirty day return of purchase window on. 

I have had multiple calls with Chase Bank where they have continued to lie to me transfer me around and continuously give me misinformation with being on the phone with them for over an hour at a time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letters Equifax credit reporting The Credit bureaus stated Account Name : XXXX XXXX & Account # XXXX was properly investigated but how is this possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for a removal. They also violated my rights under 15 U.S.C. 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions I havet given these accounts written permission to furnish these accounts on my credit report