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

On ( XXXX  ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I was looking into my credit report the other day and what I found made me very XXXX then I was overwhelmed with helplessness. During my investigation I found evidence that the agencies did not their job of verifying the accuracy of their reportings and this is causing me a lot of stress and XXXX, because what they are reporting is entirely inaccurate.
Product: Debt collection

They some how got ahold of my parents phone number saying that they were looking for me concerning a debt amount. They disclosed my personal debt information to my parents which really upset me!!!! Then when I called them they said that I had to set up a payment plan right away of legal action was going to be taken. I reluctantly set up a payment plan but ending up no having the amount when it was going to be due. I called them to tell them that I wasnt able to make the payment. They again threaten me with legal action it it wasnt paid. I stated to stop calling me and that I would be able to pay the balance in full in XX/XX/XXXX. I have told them to stop contacting me and my family both via email and via phone message. They call me 1 time a week and have been doing this for 2 months. Its very frustrating. I have never received and paperwork via USPS stating that they want legal action and this account isnt even reported to any of the 3 credit bureaus. I understand that I owe the debt and I plan to pay it when I get the money. But repeatedly calling me and threading me with legal consequences doesnt make me want to pay it.
Product: Debt collection

I requested for a debt validation, to show I owe the amount to that company. They never sent me the paper. I sent this request since XX/XX/2023.
Product: Checking or savings account

I deposited a check of {$8200.00} in chase bank on XX/XX/. I was told my the bank teller XXXX XXXX XXXX that it will be an hold and will be released on XX/XX/. I was never told that the account was closed or need to have further assistants with cause it was on the verge of closing. So i checked my account the next day and it wouldnt let me log on like my account was closed which it was when i called an ask the bank teller the next day being that there where no funds in the account for 30 days. So i came an ask the bank manager XXXX of the chase branch in XXXX, fl on XXXX XXXX, what do i need to do and he told me the review team is taking care of it and they should call me and will be sending a check. After fighting with more phone calls everyday with customer service from chase bank from XXXX XXXX  ( who the originally is from ) and by the way this is a refund check from filing my taxes in XXXX, ga at XXXX XXXX XXXX XXXX XXXX. No one has solved my issue and i am asking for help to figure out if someone stole my money. Please and Thank you.
Product: Credit reporting or other personal consumer reports

I recently conducted a thorough investigation of my credit report, an experience that has inflicted severe emotional distress upon me. The findings revealed unverifiable, invalidated, inaccurate, and questionable items, indicating a blatant disregard for ensuring 100 % accuracy in your agency 's reporting.

Under the Fair Credit Reporting Act, it is imperative that all information on my credit report is reported with absolute precision. However, the accounts in question are in clear violation of both 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), as they fail to meet the standard of 100 % accuracy.

I have attached copies of all correspondence sent to your agency for your perusal.

Immediate action is not just requested but required to rectify these violations and restore the accuracy of my credit report. Failure to do so promptly will leave me with no choice but to pursue all legal avenues available to me.

I anticipate your swift and comprehensive response to this matter.
Product: Mortgage

I have spoken to a representative on XXXX and a supervisor on XXXX. My mortgage is being raised XXXX which I don't understand since I have a surplus of XXXX in escrow. 
I asked if I can pay the increase to keep my payment the same. Mind you I'm paying an increase with a surplus in escrow. They told me no, that is not the way the ecrow department set it up. My mortgage was just sold to these people and in all other companies I had I was always given the opportunity to pay the shortage not to increase my monthly payment. This is the first company that my mortgage was raised and my escrow has a surplus. They don't want to hear it and keep telling me that, that is the way it is set up. I even asked her what is the sense to pay additional towards your escrow to avoid an increase when you don't acknowledge overages or surplus and raise the payment anyway because that is the way they have it set up.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

On XX/XX/2021, challenged on the validity of a LATE PAYMENT on my credit report per XXXX for Account # XXXX POSSIBLE FINANCE INC. My account was Paid in Full on XX/XX/2021 for amount of XXXX rather than utilizing Installment option XXXX option. Upon, challenging this account, I contact XXXX ( Possible Finance Inc. Manager ) and requested a deletion of inaccurate 30 day late payment for XXXX and XXXX based on the lack of ability to properly verify all reported information to be accurate. I noticed as, A result of challenging this account with XXXX And POSSIBLE FINANCE INC with written request. XXXX then indeed state that POSSIBLE FINANCE INC. shouldnt have verified any late reported payment on XX/XX/2021. XXXX said she would follow-up to correct their error, however no contact was initiated. It is my understanding that all creditor are to report the all ACCURATE INFORMATION to all credit bureaus as expected under FCRA Laws, I believe this is a direct violation of my consumer rights and My account to be properly updated ; requesting ALL LATE PAYMENTs to be DELETED from ALL 3 credit reporting agencies immediately for inaccurately and failure to validate the debt in violation of FCRA.
Product: Debt collection

Just received threatening calls from an anonymous number. Just called them to have them send me written notice of my debt but they refused and said they will consider that i owe it. Very unprofessional and harassing behavior.
Product: Checking or savings account

I opened a basic debit account with PNC close to one year ago at the XXXX XXXX, MD, location. My living situation was turbulent and I did not have my affairs in order. Having not made the proper arrangements for all of my mail to be delivered to the same location. A consequence of this was that I was not reviewing my monthly account statement. By the time I began to have a consistent place to stay, it had been a long time before I was able to notice payments start to bounce, when I knew I should have enough money. I checked an ATM, upon noticing I am around {$160.00} short, decide to drive to the bank and review my statements with them. I found {$510.00} of fraudulent recurring monthly payments dating back as far as my available statements did. Which I believe was XXXX of 2022. I attempted to login to the website of where the charges were coming from, but no login that I have ever used worked. This is an area where I am very consistent, so not knowing the password or username was a very obvious sign to me that somebody else was using my card. As well as confirmed that I, in fact, did not recognize that business at all. Upon review of these observations, I produced my findings to the fraud department of my banking institution. The first call " mysteriously dropped '' towards the end, even though the sounds my phone makes when a call is manually ended and when a call drops are distinct. I redo the entire process again the second call, and my card is cancelled and a new one reissued via mail. I receive no less than five letters from PNC denying my fraud claims before I have to drive back in to the bank again to physically be printed a card instead of continuing to wait for it to be mailed to me. I was told 3-5 business days, and it had been 9 when I made an appearance. Gas and food were getting tricky after so long without access to my own money. The letters did not enlighten me at all as to why most of the claims were denied. All I know is the fraud department failed an open and shut case very quickly after dodging my first attempts at reporting the fraud in the first place. I do not want to just outright say that they are somehow finding a way to steal from me with this mysterious recurring charge that nobody can figure out anything on. I will outright say, however, that they made the reporting process a nightmare and did nothing to prevent somebody else from stealing from me. I do not feel comfortable with them handling my money anymore. I have been banking with them for less than a year. I intend to close my account with them in XXXX after a payment plan through them has transpired. If there is a way for them to deal with some sort of consequence for losing my money when the point of a bank is to store it and and then attempting to deny that it even happened, it would help me sleep at night.
Product: Credit reporting, credit repair services, 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. 

Sequim Asset Solutions, XXXX XXXX XXXX XXXX, has violated my rights. 

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, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate as unknown things on my credit report. To this day, over 39 days later, I have not received a response yet. I feel that I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 39 days so they should be promptly deleted. I demand these accounts be deleted immediately or i will file for litigation due to stress you caused me. My information was also impacted by the XXXX data breach and XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX  XXXX. XXXX XXXX XXXX, CA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Mortgage

My name is XXXX XXXX XXXX it is in the probate court system in XXXX mi I'm waiting on Judge to sign the paperwork for SSI. MY WIFE AT the time XXXX XXXX now XXXX was the person whom paid PHH those payments she is sender, we have all receipts that has been sent to in first complaint. My wife XXXX XXXX never received any notice of returning money and it was paid through XXXX XXXX, XXXX XXXX, pay bill to checking. No money has been returned to her. She is very upset and can't understand why PHH are able to continue to service mortgage. They are scandals! I will have proof I am the SSI IN my mother 's estate, paperwork filed as said before waiting on Judge to sign.
Product: Credit reporting or other personal consumer reports

I don't recognize these Hard Inquiries. I already contacted the credit bureaus on XX/XX/XXXX but I did not receive a decision. 

Delete Hard Inquiries XXXX - XXXX XXXX XXXX ( XX/XX/XXXX ) Delete Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) Delete Hard Inquiries Equifax - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing a to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate late payments that remain on my credit report despite multiple attempts to correct the information. The credit reporting agencies and the creditor have failed to provide any documentation or evidence of the accuracy of their reporting, yet they continue to report the inaccurate information on my credit report. 

I have sent multiple letters to the credit reporting agencies disputing the accuracy of the late payments, citing laws such as the Fair Credit Reporting Act and Fair Credit Billing Act. In response, the credit reporting agencies claimed to have verified the accuracy of their reporting, without providing any evidence or documentation to support their claims. 

I have also requested that my personal information ( Address and name ) be updated and have provided proof of such with my Driver 's License and bank statement with the credit reporting agencies. XXXX has refused to do so. On XX/XX/23, I called XXXX and spoke to an agent named XXXX who refused to provide me with an Employee ID for security reasons. XXXX claimed that I would have to call all of the creditors on my credit report that are reporting my name incorrectly to have it corrected, even creditors that I no longer have an account with in other words closed. This further proves that this credit reporting agency is intentionally reporting inaccurate information about myself even though I have provided proof multiple times when disputing. 

I will be uploading documents as proof of my dispute letters
Product: Debt collection

This company have been harassing me about a debt with inaccurate start and closing dates Ive also requested a purchase agreement numerous times still havent received any
Product: Credit reporting or other personal consumer reports

XX/XX/2024 On or about XX/XX/2024, I reached out to Experian regarding the fraudulent activity on my account, specifically regarding the unauthorized opening of an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I promptly notified XXXXXXXX XXXX and XXXX XXXX of this fraudulent activity, urging them to close the unauthorized account and remove my information from their records. 

Despite my efforts, my credit score, as reported by Experian, has decreased from XXXX to XXXX as of today, falsely indicating that the unauthorized account was closed by the creditor on XXXX XXXX XXXX This is inaccurate, as I had no involvement in any changes to my credit profile and consistently maintain timely bill payments. 

Given that I have diligently upheld a higher credit score throughout the year, I demand that my credit be adjusted accordingly. This discrepancy is particularly concerning as I am currently in the process of purchasing a home and require a credit score of XXXX or above to secure a lower interest rate. 

The disparity in Experian 's responsiveness, being slow to raise my score yet quick to lower it, is discriminatory. I urge for this complaint to be escalated to management for resolution. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/2022, I initiated a transfer from my sole proprietorship, small business checking account through XXXX in preparation of closing the account and to bring the account balance to a XXXX balance. 

On XX/XX/2022, called the customer support number for Kabbage and requested the account be closed. First representative I spoke with verified my information and transferred me to another representative who also verified my information. Representative proceeded to inform me that my account was in " lock '' status and I inquired if this was a result of the prior day 's transfer. Representative refused to disclose the reason and indicated that I would be transferred ( again ) to get the lock removed. At this point, I terminated the call and proceeded to file this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the accounts on my credit report are incorrect when I reviewed it. Under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit card or prepaid card

This past XXXX I lost my wallet. My Bank of America credit card was used to book a hotel reservation in XXXX for over {$2200.00} dollars. I immediately called BOA 's fraud department and told them what happened and that I had not made that charge and to please cancel the card. They did, sent me a new card and said not to worry they would take care of the unauthorized charge. 

The following month I noticed the charge back on my account. When I called them a second time they told me they decided no fraud had taken place. I asked them to reopen the case and to have the security department call me with any questions which they never did. Two months later they sent me a letter saying that they would not reverse the charge because the person that booked the reservation never actually stayed at the hotel and therefore there was no fraud. 

Just because they didn't catch the person that made the reservation doesn't make it any less fraudulent. I don't understand how they're claiming it wasn't fraud. Someone still used my card and it wasn't me. How is that not fraud? They didn't do their job and now they expect me to pay for it. The sick part is I probably could have called the hotel and gotten them to cancel the reservation I didn't make but I thought it would be better to let them handle it. 

They are now harassing me every day trying to get me to pay for a charge that isn't mine. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, there are fraudulent accounts showing on my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ally financial XX/XX/XXXX wish automotive XX/XX/XXXX XXXX XXXX XX/XX/XXXX first premier bank ALL unfamiliar and unauthorized by me..I have made attempts to call these establishments but have been unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

it's fraud I didn't apply for credit cards or loans it was my XXXX XXXX son who lives with me my XXXX  XXXX son doesn't know that my credit and my name and social security number and my address are my own and only for my use due to his XXXX  XXXX hurting his reasoning i don't want to pursue any criminal charges or law enforcement presents in the matter because he's XXXX XXXX hurts his reasoning he wouldn't have known that my credit and my name and social security number and my address are my own and only for my use