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

There is currently a charged off XXXX XXXX XXXX item on my credit report. This item is NOT mine. I have tried disputing it with both the company and all 3 bureaus. I even, while telling XXXX XXXX that I did not agree it's mine, paid it off, just to get the invalid item removed. I was told that if I paid it off, even though I don't owe it, that they would remove it entirely. As it turns out, they lied and are now going back on their word. When I've asked XXXX XXXX to validate in any way shape or form all they do is respond and tell me they have correspondence from my email and phone number but they have yet to provide me proof of such correspondence. 
I then disputed this with the bureaus. It came back verified as mine, which is impossible, because it isn't. When asked how it was verified and to provide me proof of the method of verification, I have received nothing. So neither first premier, nor the credit bureaus have supplied me with any verification that this is mine. Yet I have provided my FTC Identity Theft report, correspondence with local police, correspondence with a consumer rights attorney showing that other items have been removed due to identity theft, and yet XXXX XXXX persists. 
I paid a debt I didn't owe, on a promise it would be removed. I would like it removed since neither XXXX XXXX nor the credit bureaus can provide me concrete validation and verification that this debt is mine. I've asked for a signature, an IP address linked to me, anything, but nothing is given. 
I am currently commuting 6 hours daily to take my daughter to and from a XXXX center for treatment. The ONLY reason I can not secure closer housing is this erroneous XXXX XXXX charge-off. I ask that the bureaus remove it immediately since it has been over 60 days with no verification received.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of a bankruptcy entry on my credit report, ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) which I believe to be in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and related regulations. The bankruptcy entry adversely affects my credit profile and financial standing, and I am seeking its immediate removal. 

I am invoking my rights under 15 U.S.C. 1681 et seq. to dispute this entry based on several violations, including Permissible Purpose, Right to Privacy, and a Investigative Consumer Report. Specifically, I believe that the reporting of this bankruptcy entry constitutes violations of 15 U.S.C. 1681a ( 2 ), ( 4 ), 15 U.S.C. 1681 ( a ), ( e ), and ( d ). 



Considering the violations and the lack of validation, I insist that you immediately delete the disputed bankruptcy entry from my credit report. This action is necessary to correct the inaccuracies in my credit profile and to restore my financial reputation. 

I am confident that the aforementioned violations have occurred, and I kindly ask for the immediate removal of the disputed bankruptcy entry from my credit report. Furthermore, I expect your timely response and resolution in line with the FCRA regulations. 

Please be advised that I am aware of my rights and remedies under the FCRA, and I am prepared to take appropriate legal action should these violations persist. I expect a prompt response within 30 days as per FCRA guidelines. 

Thank you for your attention to this matter. I trust that you will conduct a thorough investigation and take the necessary steps to rectify this issue promptly.
Product: Prepaid card

I have bought multiple XXXX XXXX XXXX XXXX over the past few months. XXXX of them did not work and I opened cases with Incomm nearly 2 months ago. I keep getting the run-around from them. They first told me my case would be resolved and I would have access to my funds within 30 days. After 30 days had elapsed, they then told me the issue would be fixed in 48 hrs, then another 48 hrs, then another 48 hours, and now finally I just called in and they say another 48 hrs. Basically they have done nothing about my cases and just keep kicking the can down the road.
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA Federal Savings Bank accepted a fraudulent application for credit and openened an account on behalf of an individual who fraudulently used my name and social security number. Per XXXX credit report, a credit inquiry was made by USAA on XX/XX/2022. Upon reporting the fraud, USAA closed the fraudulent account and provided a form for me to request copies of business records related to the account that was opened without my authorization. I submitted this form along with the required identification ( copy of my valid driver 's license and a completed Identity Theft Report ) on XX/XX/2022 On XX/XX/2022, I received a letter acknowledging receipt of my request with the following statement : " We have completed out investigation regarding your request. Based on the personl infomation you provided, we are unable to produce any documentation related to your request. '' I provided exactly the information they required to process my request. I find it troubling that they will not provide any documentation related to the fraudulent activity that I may forward to the appropriate authorities for further investigation into who is in possession of my personal information. 

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

Account history information is incorrectly reported on three of the credit bureaus. According to the law Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

Credit company ( Alpheon credit ) credit company address ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX ) This credit company sent me a credit card in the mail I did not request this credit card or completed any application this account has seem to be open as fraudulent I contacted the company and some of the personal information they provided is incorrect the spelling of my last name, my date of birth, telephone number and email this card that I receive I believe has yet been activated as I just got it in the mail however I did not request this account was credit card and I asked for this company to be investigated as fraudulent.
Product: Credit reporting or other personal consumer reports

Under 15 USC 16c-2, I'm requesting the immediate removal of all unauthorized hard inquiries from my credit report. These inaccuracies are harming my creditworthiness.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the errors and inaccuracies I have identified on my credit report. These discrepancies are impacting my character and reputation as a consumer.
Product: Mortgage

I closed on my new home on XXXX/XXXX/2015. I was informed at the closing myrate was 4.1 %, this was not the APR. Just last week I received a " temporary '' coupon from Caliber Home Loans, no amount to be paid, very little information. 
Today, I received a more official payment request, but again NO APR % rateon the form. When I called Caliber, they did not know what I was asking forand basically disconnected the call. I believe the APR rate should be includedon all documents relating to this mortgage. Why is the company being sosecretive about this number. Do n't I have a right to know?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I've been having issues with Experian Credit Bureau reporting a fraudulent account on my consumer report. The account stated and reported on my consumer report is XXXX XXXX  and XXXX XXXX. This account is reporting as a charge off account and negatively affecting my consumer report. This fraudulent account is also reporting a negative balance of XXXX XXXX Fraudulent account was open XX/XX/2018. Via FRCA 605B Experian is in violation, I need this account removed immediately. They CAN NOT verify or validate that this account is mine yet it is defamation to my consumer report. I would like to also state this is the ONLY Credit Reporting Agency reporting this UNKNOWN account. I will attach a few documents below with XXXX and XXXX XXXX reports. Along with documentation on why this fraudulent account was DELETED.
Product: Mortgage

Despite Maryland to the contrary, Caliber Home Loans refuses to pay escrow account earned income to its Maryland borrowers. See, in relevant part, this section of Maryland Code : MD Comm L Code 12-109 ( 2013 ) What 's This? 

12-109. 

( a ) ( 1 ) In this section the following words have the meanings indicated. 

( 2 ) " Lending institution '' means a bank, savings bank, or savings and loan association doing business in Maryland. 

( 3 ) " Escrow account '' means an expense or escrow account which tends to protect the security of a loan by the accumulation of funds for the payment of taxes, insurance premiums, or other expenses. 

( b ) ( 1 ) A lending institution which lends money secured by a first mortgage or first deed of trust on any interest in residential real property and creates or is the assignee of an escrow account in connection with that loan shall pay interest to the borrower on the funds in the escrow account at an annual rate not less than the 6-month average dealer bid rate on nationally traded certificates of deposit, as published by the Federal Reserve in " Selected Interest Rates ( Daily ) - H.15 '', as of the first business day of the calendar year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account A DIVERS RECOVERY {$2400.00} I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Thank you for your time and help in this matter.
Product: Debt collection

This company is intentionally reporting a much higher balance than owed. I have contacted them via mail and always receive the same letters with the incorrect balances on it. The balance was reduced XX/XX/2020 to {$680.00} after my car was totaled in an accident by XXXX XXXX, an employee at XXXX. I have enclosed copies of the reduced balance to them and equifax and experian but they still continue to report inacurrate info. XXXX continues to contact me by phone mail.and email demanding that I pay the incorrect amount I answered the phone one day and was told by one of the employees " We know that you owe us {$680.00} but we will not update the balance until you pay us '' You can contact whoever you want '' he was rude and yelling on the phone back around XXXX. I forgot to ask what his name was. I am also interested in suing for damages but would like nothing more than this account to be removed from all credit reports because they are in violation of my consumer rights.
Product: Checking or savings account

On XX/XX/2023 I transfered {$20000.00} from my XXXX XXXX checking account to my Chase Military banking checking account. On XX/XX/2023 I transfer {$5000.00} from XXXX XXXX checking to my Chase Military checking account. I attempted to use my debit card and it was declined on XX/XX/2023. I went into the branch in. XXXX XXXX California and was informed that my account was frozen. I informed I needed to contact XXXX XXXX XXXX. I contacted XXXX XXXX XXXX, the representative from the fraud department told me that the transfers made from XXXX XXXX were being recalled because the check I deposited was returned. The representative stated they could not help me because the action was generated by the back office which they did not have access to. I received a letter during the month of XX/XX/2023 from Chase Bank stating my account was being investigate but I should be receiving money back. On XX/XX/2023 {$7600.00} was withdrawal from my Chase Military checking account and transfer to my XXXX XXXX checking account by Chase Bank. After the transfer {$4500.00} which was my Military retirement funds. I have made numerous calls to Chase to release my Military retirement funds with no success. It has created a hardship for me and my family. 
I spoke to a representative in the fraud department of XXXX XXXX they informed me they did not ask Chase to freeze my account. When I call Chase to resolve the issue they inform me only XXXX XXXX can unfreeze my. But XXXX XXXX stated that is not true. My complaint is by law Chase Bank can not freeze at least the last two months of Military retirement funds. The funds have been frozen for almost a year.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of the following accounts and inquiries from my credit report. Due to a data breach, I am a victim of identity theft, and the accounts and inquiries listed below are unauthorized. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request the removal of such fraudulent information from my credit file.

Accounts to be blocked and deleted : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXXXXXX  Amount : {$360.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$1200.00} XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$760.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$16000.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$160.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$680.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$410.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX, XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$60.00} Inquiries to be blocked and deleted : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has failed to properly investigate the following issues on my credit report in accordance with the FCRA. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX not mine XXXX XXXX XXXX never late INQUIRIES XXXX XXXX  XX/XX/2016 unauthorized
Product: Debt collection

I recently checked my credit report and noticed a collection account from Enhanced Recovery Company. I have no knowledge of this debt and never received a notice of right to dispute. I did send a dispute letter as soon as I was made aware of the account. I have note received a response from the company.
In the letter I am asking for proof of ownership of this debt and proof bearing my signature or contract with ERC. I do not want bills sent to me but tangible proof that would be upheld per my rights under the fair debt act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The late payments you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Product: Payday loan, title loan, or personal loan

I have been making on-time payments on this line of credit until furloughed from my job in XXXX due to COVID-19. I informed Wells Fargo of this fact. They put me an a covid relief plan but did not stop charging me interest. But they also closed my account. 

I received a response dated XX/XX/2020 informing me that they will extend my covid disaster payment relief only until XX/XX/2020 as well as waiving the interest fees previously levied. However, I now see an interest charge of {$67.00} posted on XX/XX/2020. 

I am still unemployed as my furlough has been extended to end of 2020 and have no ability to continue to make payments from XXXX especially with interest charges. I would not want to default on this account. 

I would that Wells Fargo suspend interest charges and payments on this account till the end of 2020. Alternatively, I can make a lump sum payment of {$1000.00} in consideration of full payment on the account. The account balance is {$2600.00}. 

I do want to do the responsible thing and pay off this account, but I need Wells Fargo to do the right thing as well. Considering the extraordinary circumstances. I would think that given all the issues Wells Fargo has had with unethical practices towards consumers you should take an extra effort to act in an ethical manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am intrested in disputing all incorrect information from my credit report with Equifax. alot of unauthorized information is hindering my credit report. please update all the information listed.
Product: Credit card or prepaid card

I bought something from XXXX XXXX XXXX XXXX  ( XX/XX/2021 for {$42.00} ) using my Victoria Secret XXXX XXXX I made a payment after a " fee '' was put on the account. I was charged a late fee of {$29.00} on XX/XX/2021. I made a payment of {$42.00} and since then the bank has been charging me late fee over late fee with minimum interest. I owe the bank {$0.00} for the purchases I made. But they keep charging me late fee. I'm over {$250.00} in late fees now and its dropped my credit score by XXXX  I think it is illegal for the bank to keep charging people once they have paid for the goods they purchased. Ive been their member for 15 years and this was the first time I missed a payment. Only if their portal wasn't so dated and would allow automatic payment or even send you ebills when due.
Product: Bank account or service

I am currently in XXXX and every time I try to access Wells Fargo Online I have to call the XXXX call centre and obtain an advance access code. 
Can you please register my travel plans to XXXX from XXXX XXXX XXXX to XXXX XXXX XXXX. 

Thank you XXXX