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

Despite providing extensive documentation and evidence, these fraudulent items persist on my credit report, causing significant harm to my financial standing. I initially reported the fraudulent items and since then, I have submitted attempts to rectify the situation. Each time, I have supplied the necessary documentation to support my claims, yet I have seen no tangible progress toward their removal. The presence of these fraudulent items on my credit report has detrimentally impacted my financial health, and I am determined to resolve this matter promptly. I, therefore, insist on a thorough and immediate investigation to correct and remove these fraudulent items from my credit report. I also request a detailed written response outlining the steps taken, the results of the investigation, and a clear plan for the items ' removal within the legally required timeframe. I trust that Credit Bureaus is committed to ethical and responsible reporting practices that prioritize accuracy and fairness. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy Date XXXX : XX/XX/XXXX Reference # : XXXXXXXX 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 XXXXXXXX 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 Bankruptcy Date Filed/Reported : XX/XX/XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX 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: Mortgage

Shellpoint informed XXXX on XX/XX/XXXX, that the mortgage service provider had paid PMI from Account escrow when the loan originated with lender-paid PMI. 

Shellpoint stated that PMI was paid from Account 's escrow from XX/XX/XXXX, through XX/XX/XXXX. Starting with XX/XX/XXXX, all PMI payments have been lender paid, according to Shellpoint.
Product: Credit reporting or other personal consumer reports

Navy Federal granted XXXX payment exetrions in 2022, and said there would be no late payments reflected in my credit history with them. A month or XXXX later XXXX reported lated payments. I asked XXXX  to review the phone conversations with them, I had had, there were at least XXXX of them. However they will not, and they will not update my account to no late payments.
Product: Money transfer, virtual currency, or money service

I've been trying to set up an investment account for ages. I tried with PNC originally to set up a brokerage account and they were unprofessional with me. Now that I'm trying other online services the company won't let me do an account transfer.
Product: Mortgage

I refinanced my mortgage over the summer. I used a branch office in  XXXX   XXXX  which is close to my house. My closing was originally scheduled at the end of  XXXX , then moved to  XXXX . I was very careful to specifically ask what my closing costs would be and was told they would be {$200.00}. I have emails to document this. When I arrived at my closing, I was told that the closing costs were {$1000.00} - over {$800.00} more than I was told. My loan officer happened to be at the bank, and when I asked him to explain the discrepancy, he informed me that perhaps because the closing was rescheduled from  XXXX  to  XXXX , that there were additional escrow costs added to the closing.     In addition to this first blunder, my loan officer also informed that I would be getting a refund of surplus escrow money in the amount of {$820.00}. Because of the first error, I asked several times to make sure - I have copies of all of my email conversations with the loan officer to show this. When the time came to receive my refund, they informed me that my old escrow money had been transferred to my new account and I would not be receiving a refund. So I was given incorrect information twice, even after being extremely diligent and asking repeatedly for clarification and accuracy. The incorrect information I was given ended up costing me a total {$1600.00} in unforeseen expenses.     I spoke with the branchs assistant manager the following week and asked if I could speak to the branch manager about this incident. He was busy at the time, but I was assured that he would call me. No call. I did receive a form letter explaining that the money from my old escrow had been transferred to my new escrow account, but I was never told why I was given the incorrect information ( twice - closing costs and escrow refund ), and never received what I consider to be an appropriate apology or consideration based on the   XXXX   huge mistakes they made.
Product: Credit reporting, credit repair services, or other personal consumer reports

CBE Group continues to report old and paid collection on my report their client is XXXX.
Product: Credit reporting or other personal consumer reports

Called Credit Glory on accident because when I tried searching a company that is suing me I tried to call to settle it. This company asked me for close to XXXX bucks and told me they would remove it from my credit report. 

Upon further investigation because, because I requested a letter explaining services provided, they went as far as saying that I didnt need to contact the company suing me. 

This company is is highly predatory and they arent doing what they explained they would do. 

The whole process was deceitful
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
Product: Money transfer, virtual currency, or money service

I have a XXXX XXXX account as an additional savings account I try to forget about except for when Im adding money to it. Im trying to transfer money from my PMC account, but apparently, PNC doesnt allow those transfers. This is stupid. Now I have to figure out how to get money from one account to another.
Product: Credit reporting, credit repair services, or other personal consumer reports

Somehow Equifax seems to have verified some information, That XXXX  deleted. XXXX  deleted all the items in question, they all get their information from the same source, how does that happen? XXXX  deletes the information, but, Equifax somehow verifies it.?? 

XXXX XXXX XXXX # XXXX Their is a pdf attachment with this complaint that Equifax is in violation of the FCRA, XXXX Deleted the same item that I challenged at Equifax.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. 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 identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : 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 XXXXEQUIFAX : 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 XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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: Debt collection

On XX/XX/2019, I received a collections letter from Allied Collection Services , Inc., to collect on an account from XXXX with a total balance due listing {$4400.00}. On that day, I also confirmed that they reported the overdue balance to XXXX and XXXX credit reporting agencies, and it's showing up as a derogatory account on both reports. I have never held nor do I currently hold an account through XXXX. Per the suggestion of the FTC IdentityTheft.gov site, I sent a certified letter to the collections agency reporting the fraud and including the required documents ( delivery confirmed on XX/XX/2019 ). As of today, Saturday, XX/XX/2019, I haven't received a response from the collections agency via mail, email, or telephone with documentation of the account nor is there any indication that they have begun the process of removing the account from either or both credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove thse items : 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 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 which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,
Product: Checking or savings account

My sole proprietor account with Bank of America under the XXXX XXXX XXXX  received a check from a company out of Florida I did some advertising for. I had know knowledge the check was counterfeit and fraudulent. The bank immediately closed my account I need for my business and told me I can not open an account again until 2029. they closed XXXX accounts XXXX for my kids ' as well. I have money and they are giving me a hard time to get my money back which I need now to feed my kids and they informed me it will be a lengthily process where they will have to mail me a check for my money I need now in a month or XXXX. I am not sure whereto cash a check without a fee if they have closed my account and wont give me my money
Product: Money transfer, virtual currency, or money service

Hello, My account is frozen and i have sent gemini trust company support 3 messages and no answer. 
Im losing alot of money and i cant do anything. 

What can i do? 
How can i unfreeze my account? 

Thank you, XXXX XXXX XXXX XXXX
Product: Debt collection

Section 604 requires credit bureau to remove this in the Honorable XXXX XXXX credit report.

Section 604 and VAWA act protect the Honorable XXXX XXXX and his children.

Section 604 instructs credit bureau to remove this in the Hon.XXXX XXXX credit report in this pandemic.

XXXX XXXX has resided in Washington DC capital belt area. ( Not in Arizona ).
Product: Credit reporting, credit repair services, or other personal consumer reports

not mine : FCRA violations : XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than XXXX XXXX XXXX. Ive already included this in my previous complaint # & I am including it again., 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 XXXXXXXX Balance : {$19000.00} ; XXXX XXXX Balance : {$4800.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4600.00}
Product: Mortgage

Last XXXX I was contacted by a Representitive of New American Funding to refinance my current mortgage and save a significant amount of money every month due to lower interest rates. I agreed and was contacted on XXXX by Sr Loan Officer XXXX XXXX XXXX Broker Solutions Inc., dba New American Funding. He told me that he could lower my interest rate by 3/4 points and save XXXX a month as well as recieving approximately four to five thousand dollars from my current escrow account. I agreed and I started the refi procces on XXXX. On XXXX I was contacted by loan processor XXXX XXXX XXXX to process the loan. He reiterated what Mr XXXX told me about the money comming back to me. During the procces the amount returning to me went from XXXX to XXXX which I signed off on it at the time. On XXXX I formaly signed the final closing docs with a notary. The document clearly showed that I was to receive XXXX once the loan was funded. When funded I recievee a check for XXXX dollars. I asked Mr XXXX about the discrepancy and he told me that he didn't know what happened. He asked his supervisor and he didn't know either. On XXXX on audit was performed by XXXX XXXX Senior Customer Specialist with New American Funding. She wrote that on XXXX a report was processed of the correct payoff statement nine days before I sined the final closing doc. I tried to contact her but she was unavailable.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to XXXX XXXX XXXXXXXX, Missouri Laws Dear AMERICOLLECT, I am writing to address blatant violations regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity fraud laws under Florissant, Missouri, state laws.

It has unequivocally come to my attention that AMERICOLLECT has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law emphasizes the necessity of consumer consent for credit reporting. Furthermore, Missouri state law establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws underscore the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for AMERICOLLECT to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that AMERICOLLECT immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and applicable Missouri state laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that AMERICOLLECT will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting or other personal consumer reports

Kindly review this complaint thoroughly, as it is not a mistake. My credit report contains mixed and inaccurate information, with accounts, transactions, and items that are not associated with me. This situation is extremely distressing and is causing unnecessary XXXX XXXX XXXX  in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi i am an XXXX XXXX veteran who has spent the last 8 months paying off every bit of credit debt i have. Student loans, deliquent debt etc. I am needing my score to equal XXXX so i can use my VA loan for a home purchase. I have battled with XXXX XXXX XXXX and equifax about the lopsided effects happening to my credit score. For instance on the verge of reaching the XXXX goal my credit score dropped 120 pts for no apparent reason setting me back months erasing every gain and putting me farther behind. Just recently i finished paying everything off expecting a similar jump in score and my score only moved 10pts after clearing XXXX $ worth of debt from my name. What is going on with our credit system how can i obtain answers and a remedy so i can no longer be XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  has violated my rights.

15 USC 1681 Section 602 states I ave the right to privacy.

15 usc 1681 Section 604 A section 2 state a consumer reporting agency can not furnish an account without my written instructions.

15 usc 1666b states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

Several times today XXXX members of Direct Capital have call me from different numbers and texted me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX. XXXX. XXXX an account by XXXX for {$2000.00} as open. Account has also been removed but re appeared on XX/XX/XXXX. Account has been disputed before by agency and removed in XX/XX/XXXX. XXXX added the amount and reaged without informing consumers. This is against best practices. Letter was sent to XXXX to remove account as it was recorded inaccurately account was then removed by XXXX. Then opened and added on!. Several letters has been sent to XXXX with no responses. 
Then information was removed from credit reporting. The ADDED back as new account in XXXX See attachments
Product: Mortgage

We opened a XXXX with Wells Fargo and about two years ago we submitted the requested notarized paper work to close the account. Wells Fargo continues to send us threatening letters about not having insurance on our property.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2016 we were in a no-fault traffic accident in our vehicle which was declared a total loss. My insurance company paid off the majority of the loan ( approx $ XXXX XXXX and it took a couple more weeks for the gap insurance to pay the remaining balance. Once the gap insurance paid the remaining balance, there was approx {$1100.00} left over. We were 60 days late paying this and requested assistance from their XXXX department but was blown off and made it too difficult to contact back. We paid off every penny within a couple months of the accident but this was reported as being written off as a repossession. I disputed this with XXXX ( # XXXX XXXX but now it still shows that $ 600+ was written off and thats how they reported it. We sent this payment then found out after the fact themat they wrote it off. I dont know if they reported the entire amount to the XXXX as a credit but this is wrong. I am unable to purchase a vehicle because the banks look at this as a repo. I have called and asked them for a payment history but I have still not received it.
Product: Mortgage

Chase Bank continuously pushes customers to go paperless on their mortgage accounts. I have had to turn off this feature numerous times and spend countless hours on the phone getting this straightened out. You should be able to review your accounts without being forced into something and then have to spend time reversing it to what you had to begin with.
Product: Credit card or prepaid card

I have been a Lowes Credit Card Holder since 2005. I have never missed a payment and my credit is outstanding. I have been a loyal customer for all these years and this is what I get in return from a Bank ( Synchrony ) I trusted to care about my needs as a consumer. How hurtful that is to know that I am not being treated like I should. They gave me an option when opening the card that I could add an authorize user if needed. Because I added authorize users Synchrony bank should not have closed my account. If I am assuming all responsibilities of this card, then it should not have been an issue. If you didnt want me adding authorized users, then I shouldnt have been given the option. I feel I have been treated unfairly and discriminated against. There was no reason to close my account, however you did so for a reason that I disagree with. I am sure that I am not the only Lowes credit card member who added users to their accounts, and they still have their account open. They could not find any reason to close my account so they came up with this. They are trying to ruin my outstanding credit and limit me.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed XXXX XXXX has reported my credit card account as delinquent through each credit bureau. The months/years it was reported delinquent are XXXX XXXX and XXXX XXXX  However, this information is inaccurate, as I am a victim of identity theft and fraudulent transactions were made to my existing XXXX XXXX credit card to cause this delinquency. The company has been informed of this and were provided sufficient documentation to include a credit card fraud affidavit and FTC Identity Theft report, proving there was fraudulent activity on the credit card account at or around the time delinquencies were reported to the bureaus.