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

I am writing to report an issue regarding my credit report with Experian. On XX/XX/XXXX, I contacted Experian to address the following incorrect information on my credit report. As of the present date, I have not received a response from Experian. The following details the inaccurate information and the required corrections : The following account was never late : Creditor : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} Please correct this inaccurate information on my credit report. 


The following account is not mine : Creditor : XXXX Date Opened : XX/XX/XXXX Balance : {$520.00} Please remove it from my credit report. 


The following account is not mine : Creditor : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$220.00} Please remove it from my credit report. 


The following account is not mine : Creditor : US DEPT ED Date Opened : XX/XX/XXXX Balance : {$2200.00} Please remove it from my credit report. 


The following account is not mine : Creditor : US DEPT ED Date Opened : XX/XX/XXXX Balance : {$1100.00} Please remove it from my credit report. 


The following account is not mine : Creditor : US DEPT ED Date Opened : XX/XX/XXXX Balance : {$3700.00} Please remove it from my credit report. 


The following account is not mine : Creditor : US DEPT ED Date Opened : XX/XX/XXXX Balance : {$1800.00} Please remove it from my credit report. 


The following account is not mine : Creditor : XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1100.00} Please remove it from my credit report.
Product: Credit card or prepaid card

Received a US Bank Reliacard that I did not apply for.
Product: Checking or savings account

Bank of America removed funds from my account on different day than XXXX XXXX  received theirs. When calling, friendly associate named XXXX said my account was blocked from removing any fees.. Why am I being treated different than any other customer???
Product: Mortgage

In XX/XX/XXXX, our rental property mortgage fell behind. Due to tenant non-payment for many months. At that time, XXXX XXXX XXXX was the mortgage lender. XXXX XXXX XXXX suggested a loan modification. Paperwork and required documentation was submitted several times, for a modification, which in turn was never received by XXXX XXXX XXXX. After many failed attempts at a modification, the loan was them sold to XXXX XXXX XXXX. 

XXXX XXXX XXXX would not accept any payments and also suggested a loan modification. Again after several years and failed attempts at a loan modification, the loan was next sold to Fay Servicing. 

XX/XX/XXXX, Fay Servicing agreed to a loan modification. While the modification process was in place, Fay suggested submitting a forbearance. The initial forbearance payment was made with the intent of completing the loan modification. We agreed to proceed with the modification and a good faith down payment amount was set. A few months later, Fay Servicing contacted us and dismissed any prior agreements to a loan modification. The property currently is a rented and the lease is set to expire XX/XX/XXXX. According to Fay, they will not do a loan modification unless the property is owner occupied. If this is the only way to achieve a loan modification then I will move back into the property after the renters lease is expired. Fay will not explore this option unless I have documentation of owner occupied for the past few months. This is impossible because the property is currently occupied by my renters. 

In XX/XX/XXXX we could not pay the mortgage and fell behind. In 6 years time, we have saved money and paid off debt. We currently do not claim to have a hardship but do request a fair settlement for this property. Fay currently has set sell the property at foreclosure on XX/XX/XXXX. We currently are behind over {$80000.00} owed to Fay but have been unable to make payments due to the many transfer of the note over 6 years. The amount owed is well below what the property is currently valued. 

We ask Fay Servicing make good on the initial loan modification agreement and keep in mind the property will be owner occupied within 3 to 4 months time.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company has post 5 collection accounts to my credit report and I have not received any written notice or correspondence, which violents my right and timeframe allowed to dispute validity of the debt in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

( XXXX ) XXXX < -- - PHONE numbers are NOT MINE -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX, TX XXXX < -- - ADDRESS HAS NOT BEEN CORRECTED, NOT MINE -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX  XXXX XXXX Potentially Negative Status Open. 
Account Type Credit card Balance {$600.00} XX/XX/XXXX U.S. DEPARTMENT OF EDUCATION XXXX Collection account. {$5500.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX < -- - ACCOUNTS are NOT MINE.
Product: Credit card or prepaid card

On XX/XX/2023, I purchased merchandise through PayPal using my PayPal credit card ( issued by XXXX XXXX ) for the total amount of {$170.00}. One item for {$30.00} and another for {$140.00}. The seller canceled the purchase for {$30.00} and issued a refund for the same amount on XX/XX/2023. The item, which cost {$140.00}, was returned to the seller and the seller issued a refund for {$140.00}, also on XX/XX/2023. The sum of both refunds is {$170.00}. However my PayPal credit card, almost two weeks later, still shows up with a balance of {$170.00}. This balance must be XXXX as I have two refunds totaling {$170.00}. This unjustified and discriminatory delay by both PayPal and PayPal Credit ( XXXX XXXX ) has caused me great concern and despair.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been an encounter going over this and I am submitting this complaint AGAIN to remove the following fraudulent accounts in my file that are reporting on Transunion Credit Bureau. I would like to request the suppression of these accounts from my credit report, which is the result of a fraudulent item origination and identity theft. I have already done my part by sending my documents like my DL, SSN, Address, and the dispute letter I sent to Transunion. Also, I have sent my FTC report but still, nothing has changed. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt PLEASE DELETE IMMEDIATELY! 

XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$37000.00}, XXXX XXXX XXXX*Date Opened : XX/XX/XXXX Balance : {$1900.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5700.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00}
Product: Checking or savings account

On XX/XX/23 I scheduled a transfer from my Chase savings account to my XXXX savings account. This was the third scheduled transfer to that account in the last week. 
For the first two transfers, I received a text from Chase to verify the amount of the transfer and I replied " yes '' that I had requested the transfer through my online account. 
On XX/XX/23 at XXXX : For the third transaction I received a call from someone claiming to be from Chase fraud alert, wanting to verify my identity. They called my phone number but the caller ID was just the number XXXX. They asked me to give them a code that would be sent, but I asked how could I verify their identity before I gave them any code. They could not offer any way to verify their identity so I said I would call the Chase bank customer service line myself and verify the transaction. 
I called Chase customer service for this purpose and found that they had locked my account, canceled the transaction and removed the XXXX account from the transfer options. I wad very upset with this and pointed out the inconvenience to me the customer to have to redo all of the steps of registering the account and requesting the transfer again which would take several days. 
I pointed out that their process was flawed in that me as the consumer could not verify their identity from an incoming phone call. 
Due to this flaw, I was subjected to emotional upset and inconvenience while I waited on hold to talk to customer service, then be transferred to fraud unit only to learn I would lose time and potential interest earnings because of their actions. 
They need to fix their process, no wonder the criminals are tricking consumers.
Product: Credit card or prepaid card

Capital One took over for the XXXX card I have been a member since XXXX. Since then I have paid my bill online and not had a problem I sign on to my account once a year to pay the membership dues that is due. I called today because I know that my membership was due for XXXX and I paid my past due amount and then was transferred to the technical support to reset my password. I was then asked the questions that a credit card company ask what is my name and the other privacy question then to be told that they could not reset or send an email to give me access to my account. The person I spoke with at Capital One name was XXXX and her employee ID was XXXX she explained to me that she was a floor supervisor and was not able to help me that she could transfer me and that person still would not be able to help me. I explained to XXXX that I am in the Military and that I constantly move around that is why I have my fathers address as the mailing address. My father is currently XXXX miles away from me and also out of the country. She explained to me this is Capital one 's policy that they can not help or reset my password without the account number. So I explained to her how can I do that if I am not even around my father 's address and I am constantly moving around and that is the point of me sending my mail to my father 's address. The point is that I had to close my account with capital one due to this inconvenience to a service member being away. Something needs to be done about this I pay my bills online and that 's how I have done it.
Product: Debt collection

I purchased furniture from Conns last year XX/XX/XXXX when the furniture was delivered it was damaged wasn't put together correctly. Pictures attached as well as emails. I repeatedly called the store on several occasions trying to resolve on several occasions got the run around email corporate etc. Once I left the the store I realized XXXX decided to changed my contract and add services I didn't authorize I made a complaint about that I have voicemails where other stores tried to assist when XXXX the store XXXX at the time refused to be of assistance. Of course I find out now he no longer works there, I contact XXXX the now store XXXX he claims he emailed them and they said they called me which they didn't. I never received the mirror to bedroom set every time they came to deliver it was broken then suddenly XX/XX/XXXX they came they had the wrong brackets and they wanted me to sign saying they was coming back the next day I refused because I knew they was lying. I have every delivery date they attempted for something I still don't have which makes no sense they never provided me with the original contract or receipts all I have is my bank statements showing proof I also paid cash for a kitchen set that was damaged on arrival never was fixed and I basically was stuck because I paid in full. Here it is XX/XX/XXXX I still don't have a resolution but they decide to do a charge off on my credit report instead of fixing the problem. I have attached emails and pictures. I made these complaints the day of delivery and nothing was never done not months down the road!
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my report. Please remove these accounts on my report, They are hurting my ability to obtain credit. I do not recognize these accounts nor did I authorize these accounts. These accounts are from a third party in which I have to contract with.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ENTIRE CREDIT REPORT WAS DELETED after I submitted an Identity Theft Report in XX/XX/2017. 
Positive Accounts have been REMOVED and SUPRESSED FROM RE-REPORTING MY ACCOUNTS TO MY REPORTS! 
i CONTACTED THE cREDIT bUREAU AND WAS TOLD TO CONTACT THE CREDITORS THIS MISTAKE WAS MADE BY XXXX AND THEY ARE REQUIRED TO FIX THIS ISSUE AND REPLACE MY INFORMATION BACK ON MY REPORTS AS IT WAS BEFORE THEY DELETED IT. 
THEY DELETED INFORMATION FROM XXXX  XXXX, XXXX, AND XXXX XXXX XXXX XXXX ACCOUNTS THAT WERE NOT REPORTED AS FRAUD! 
THIS IS ILLEGAL TO TAMPER OR REMOVE WITH MY CREDIT ACCOUNTS THAT I HAVE NOT REPORTED TO BE CAUSED BY IDENTITY THEFT AND I NEVER DISPUTED ANY OF THEM! 
XXXX  IS IN VIOLATION OF MY RIGHTS TO FAIR CREDIT REPORTING. XXXX IS NOT LEGALLY ALLOWED TO REMOVE ACCOUNT INFORMATION THAT HAS BEEN REPORTED TO MY CREDIT REPORTS UNLESS AUTHORIZED TO DO SO WHICH THEY WERE NOT. 
XXXX  IS PREVENTING MY ACCOUNT CREDITORS FROM THEY'RE RIGHTS TO REPORT MY ACCOUNT INFORMATION AND THEY ALSO WILL TAKE ACTION WITH MY TO FILE A COMPLIANT IN COURT TO FORCE THIS ISSUE SINCE THIS HAS BECOME A PROBLEM FOR THEM BEFORE. I HAVE COMMUNICATED WITH XXXX XXXX AND XXXX XXXX XXXX XXXX, AND XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Equifax, Repeatedly and continuous reviewing of my credit report, I cant explain why this erroneous reporting inaccurate inquiry which are not mines and I didnt authorize is listed on my credit report. Please remove and delete from my credit report. 


XXXX. Inquiry : XXXX XXXX DATE : XX/XX/year> : DELETE UNAUTHORIZE INQUIRY Reviewing of my credit report, I do not go by the name as XXXX XXXX listed under Also Known as listed on my credit report. Please remove and delete from my credit report, and my correct government name is enclosed below. 


XXXX. Also Known As : XXXX XXXX Inaccurate and delete.
Product: Mortgage

We are a real estate company representing a couple who are experiencing a financial hardship and can not afford to keep their home. They have two mortgages on the house, the first mortgage is with XXXX XXXX to whom they owe {>= $1,000,000}, and the 2nd lien holder is with PNC Bank to whom they owe {$190000.00} for an equity line. We submitted an offer for {$800000.00} and were approved for a Short Sale with the 1st lien holder on XX/XX/XXXX. They are paying for all taxes, escrow fees, commissions and paying {$6000.00} for the 2nd lien to be released. PNC Bank is not accepting the {$6000.00} as they want a minimum of {$100000.00}. We have tried negotiating with them sinceXX/XX/XXXX as we do not want the home to go to foreclosure but it has all been in vain. We have lost several offers due to them not willing to come to any terms and automatically close the file as soon as we submit a new short sale request. We don't believe that PNC Bank is negotiating in good faith and is neglecting to cooperate. It is customary that, regardless of the debt, 2nd lien holders get up to {$6000.00} which is what they are being offered. We currently have an active offer for {$900000.00}, we do not want to loose the buyers after all the work that has been done to help our clients avoid foreclosure and this is why we are turning to you for help as you are our last resource.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a collection account added to my  report  XX/XX/17  f  ro m  XXXX   XXXX . I immediately sent a letter via certified mail, fax and to the thei r executive em ails on   XX/XX/17  t o verify and validate this debt.   XXXX    notified Equifax that this account was being disputed  HOWEVER continued to collect on this account without sending me documents to validate and verify this debt. I immediately notified   XXXX   XXXX   of their violation and their failure to respond to my letter within 30 days. I also sent all necessary documents to Equifax requesting deletion for the c ompanies failure to comply with my request and the fdcpa. I filed a complaint wit h the BBB, CFPB an d the attorney Generals office in both Texas and Washington against   XXXX   XXXX  , and the company sent a response that they would immediately send a request to the credit bureaus to remove this negative account. I have attached that letter for your rev iew. I have called Equifax and spoke with a supervisor would could not confirm that they received my packet with over 60 pages of documents to validate my request even though it wa s sent certified mail and a return receipt was delivered to me. This is frustrating and this inaccurate data is affecting my credit report. Please remove it at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit line increase with my existing United Chase credit card. I was denied an increase because of failure to pay past debt with Chase from XX/XX/2008. That is perfectly understandable, but that information was not obtained from my credit report it came from WITHIN Chase. Reason is that it DOES NOT exist on any of the three credit reports. With that said I understood from when I asked for the increase that a inquiry by Chase in to my credit report was granted by me when asking for the credit line increase. But what I feel is completely wrong is that they took two credit reports one from XXXX and on from XXXX. Needless to say they needed NEITHER report because they based their decision by the information Chase had with in house from me having past debt with them. I am not complaining that I was turned down for an increase nor am I complaining there was a credit report taken. I understand the process. What I am upset about is that they took two reports one from two different companies. I asked them to withdraw just one of  them and all I got was double talk that they are ONLY CONSIDERED one report.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX Inaccurate balance and history reporting on credit account this item does not belong to me and I request to have this inaccurate item blocked and removed immediately from all credit reporting agencies