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

I am a victim of identity theft and have been in an ongoing battle to rectify this situation for years. This has caused me to look at my credit report daily in fear of further theft. Despite obtaining fraud alerts placed on all 3 credit files and then freezing all 3 files, as well as, submitting identity theft and police reports my identity is still being compromised. I will break down how by each bureau. 

XXXX  : I noticed an inquiry from the below entity XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX I do not understand how this occurred when I have a fraud alert and was never contacted or gave permission for this inquiry. This is not mine. Also my report is suppose to be frozen. 


Equifax : I noticed an account that does not have a name but shows the following info Account number XXXXXXXXXXXXXXXXXX Collection opened XX/XX/XXXX Balance {$1000.00} Updated on XX/XX/XXXX This account is not mine and is a result of identity theft. 

The following addresses are not mine : XXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX XXXX XXXX, FL XXXX The following Employers are not mine XXXX   XXXX  XXXX XXXX XXXX XXXX The following Inquiry is not mine XXXX   XXXX XXXX  XXXX All Banks Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX  : The following account is not mine and due to identity theft : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$1000.00} 0 % paid off Account number XXXX Collection opened XX/XX/XXXX The following Inquiries are not mine : XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Utilities and fuel Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX Finance, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX The following address is not mine : XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Good day, I am sending and writing this complaint with extreme frustration and absolute certainty because there are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and credit score making me unable to achieve financial freedom and stability.
Product: Credit reporting or other personal consumer reports

I came across the CFPB lawsuits against the credit bureaus. I feel like I was negatively impacted by these credit bureaus as they constantly resubmit incorrect information on my credit profile. Transunion refuses to leave XXXX XXXX auto account on my credit profile that is not accurate. Ive submitted proper documentation stating the account is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$19000.00} ; XXXX XXXX  Balance : {$4800.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$4600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting a score of XXXX to the lender XXXX XXXX This is not even close ... 
they want me to pay a fee to get my score. This is bogus ... if they are reporting it then when I ask for proof I am not paying! This is my lively hood. Every monitoring app I have shows my score to be bewteen XXXX so I want them to justify this!!! With the score attached with my report
Product: Mortgage

I have an FHA insured mortgage. The loan is currently being serviced by PennyMac. I have an impound account with the loan in which MIP is paid monthly along with principle, interest, taxes and insurance. I am trying to refinance that loan into a conventional mortgage with a local credit union. In the payoff demand statement dated XX/XX/2020 PennyMac is asking for a Pro Rata MIP of {$1000.00}. After I complained to them and my new prospective lender they responded to a new demand letter with a reduced amount for this item. I don't think that any " Pro Rata MIP '' is valid. If it were valid why did they reduce the amount when I complained? They also sent me a partial refund of my impound account without having paid the second installment of my property taxes. Aren't they obligated to pay these taxes when they are due if they are collecting money monthly for this purpose? I feel that this refund is a distraction in order to overcharge me on the loan payoff and possibly even keep the remaining balance that is in the impound account. My mortgage refinancing is being held hostage and I am appealing for your assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am taking action against the US Department of Education for incorrect information reported to my credit report since XX/XX/2019. Despite several attempts to dispute this since then, I have yet to receive any resolution. This has caused me to suffer financially, as I have been denied credit, charged a higher interest rate, and prevented from buying a home. I have also attempted to dispute this with the three major credit bureaus, XXXX, XXXX, and Equifax.
Product: Credit reporting or other personal consumer reports

Ive checked my consumer report and noticed a fraudulent account present, under 15 usc 1681 ( a ) ( 1 ) ACCURACY AND FAIRNESS OF CREDIT THIS ACCOUNT IS IN VIOLATION ( 1 ) THE BANKING SYSTEM IS DEPENDENT UPON FAIR AND ACCURATE CREDIT REPORTIG, WHICH THIS IS NOT, THIS ACCOUNT TREMENDOUSLY EFFECT ME MENTALLY AND EMOTIONALLY BECAUSE THE CREDIT REPAIR AGENCIES CONTINUE TO NEGLECT THE LAW BY REPORTING THIS KNOWING OF ITS INACCURATE ORIGIN ALSO IVE WRITTEN MY PREVIOUS DISPUTE OVER 30 DAYS AGO STILL NO RESPONSE FROM THE COMPANY IN QUESTION
Product: Debt collection

XXXX XXXX {$1800.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Debt collection

I have disputed this alleged debt multiple times with the credit bureaus each time they allegedly verify this account is mine and reporting XXXX accurately. I have sent XXXX disputes via certified mail to Portfolio Recovery Associates as well and they have never responded or sent me any proof about the alleged debt they are reporting on my credit file.
Product: Debt collection

On XXXX XXXX a certified letter was mailed to the company to cease all forms of communication with me through any and all mediums. Im addition to that I sent an invoice for remedy due to my rights that were violated under the FDCPA ( 12 violations total at the time ). Ive since received communication on two more occasions since I mailed the letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasion I have submitted proof to Experian, XXXX  and XXXX  by forwarding them, ( ID THEFT REPORT ). Stating that the, XXXX XXXX accounts are a result stolen identity. These reporting agency have failed to provide me with any proof of how the creditor has my information. I have also forwarded them, letter corresponding to my right thru Fair Credit Act, til day there has been no efforts to remove these accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX have 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that DT credit has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ).

As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making DT credit an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. 
It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! 
It is shocking to me that DT Credit takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system
Product: Checking or savings account

Bank of America charges an $ XXXX  monthly fee for having a balance below XXXX in my checking account. I have been charged {$8.00} a month since XX/XX/XXXX. Bank of America did not charge me this fee before that time and I was not notified this change was occurring. The balance of my Savings account at that time was {$77.00}. 

Since XX/XX/XXXX I was charged {$8.00} each month totalling {$120.00}. Once my account reached a balance below {$8.00}, Bank of America took it upon themselves to deduct from my Checking account to cover the amount to pay for the {$8.00} service fee. This deduction occurred without my knowledge or consent. The first deduction was for {$2.00} and it was on XX/XX/XXXX. The next month Bank of America transferred {$74.00} from my checking account and deposited into my Savings account so they could continue to deduct the service fee from my account. This also happened without my knowledge or consent. They continued to deduct this service fee until the balanace on my account was {$34.00}. I then called the customer support line and they only refunded me {$24.00} since their policy is only to refund the past 90 days worth of service fees. I spoke with several customer service representatives and when I asked to speak to the manager I sat on hold for more than 40 minutes with no answer. Bank of America did not want to help me. 

I am writing this to attempt to get the rest of my funds returned to me as well as notify your agency of the malicious practices of Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper pr
ocedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Debt collection

The debt collection company failed to contact me with a notice or provide me with XXXX  days to respond to a notice. Upon reviewing my credit profile, I discovered a collection reported by all XXXX  credit reporting agencies without any explanation. I apparently owe {$270.00} to a third-party collection company with whom I have no contract or written consent to share my personal information. This company has reported to the credit bureaus, and I have reported their disregard for the Fair Debt Collection Practices Act, which mandates a XXXX are XXXX response time. Better Business Bureau was contacted Additionally, the collection agency was sent a debt validation letter to comply with a purchase agreement signed contract with my written consent to this debt that Shows validation of this debt.no conversation on the phone, no electronic communication correspondence.
Product: Credit reporting or other personal consumer reports

This company 5th 3rd bank ruined my credit. I made an immediate payment on a XXXX charge from my bank payment information entered by them 8 months before. The payment was returned because the account number was wrong. I got no letter of returned payment in the mail. No letter of a late payment in the mail after due date. No letter of auto payment ceased because letter was only available online which I had no access to. I did a complaint with better business bureau but it was not resolved. By the time I found out about a late payment it was past 30 days and reported to credit bureau. 5th 3rd bank was aware and told me I could not access my account on line as I had no computer only a XXXX app. They mailed a form to be completed by my bank. They said the account number was wrong. I am a senior and this bank has repeatedly not sent proper notification or mailed documents to me. They ruined my perfect credit because they didnt properly notify me of any late payment.
Product: Debt collection

The company claims that payments are late, when its an automatic payment that gets drafted from my account. The money comes out on the due date, and they charge late fees anyway, claiming that the payment was unsuccessful during the initial run. It is a lie to attempt to collect more money, when theyre already overpriced and not worth the hassle as it is. If you can reach an agent at all, theyre rude and unhelpful. They operate on the assumption that people dont want to pay their bills. The money is in the account, and the company takes the money automatically, but claims its late. I have a similar loan with another company and zero issues with THAT company.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit reports from XXXX, XXXX, Equifax and notice many fraudulent and erroneous accounts. I DID NOT ORIGINATE OR AUTHORIZE these fraudulent accounts to be posted on my credit report, please remove them within XXXX business days of receipt of this letter on clear grounds of Identity Theft Pursuant to XXXX XXXX XXXX. Also, Update my XXXX XXXX immediately pursuant to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX b ). DELETE INQUIRIES : XXXX, XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX, XXXX XXXX, Bank of XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX. DELETE AKA : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. DELETE PREVIOUS ADDRESSES : XXXX XXXX, ADD CORRECT NAME ( ALL ) BUREAUS : XXXX XXXX XXXX.
Product: Credit card or prepaid card

I was notified by XXXX XXXX that my Wells Fargo credit card limit was decreased from {$7500.00} to {$6100.00} at the beginning of XXXX. This put my credit card utilization at 98 % usage and caused my credit score to drop 40 points. I was told by Wells Fargo that a letter was sent out, yet I did not receive a letter notifying me of this. I have had this particular credit card with Wells Fargo for 10 years with no late payments. I have my checking and savings accounts with Wells Fargo as well as a persona loan. My complaint is that no one took into account the banking relationship that I have had with Wells Fargo and arbitrarily decreased my limit without notification. I am in the process of purchasing a home and this has severely effected my credit score and no one at Wells Fargo can give me a satisfactory explanation as to why this was done. It questions the integrity of who is making these banking decisions and why a long time customer could be considered a risk at a bank that handles the majority of my banking needs. I question continuing the banking relationship if this is not resolved satisfactorily.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against XXXX, XXXX, and Equifax regarding a XXXX collection account that I wish to dispute. The details of my complaint are as follows : I recently checked my credit report and found that there is a collection account from XXXX on my credit report. However, I believe this collection account is inaccurate and should be removed from my credit report. I have attempted to dispute the account with all three credit bureaus, but have not received any resolution to my satisfaction. 

I believe that this inaccurate reporting is damaging my credit score and hindering my ability to obtain credit and other financial services. I request that the credit bureaus conduct a thorough investigation into this matter and remove the erroneous collection account from my credit report. 

I urge the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to ensure that the credit bureaus are accurately reporting consumer credit information. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I am writing this letter to ask for help in a claim I have with Chase Bank, since they have denied it twice. 
It turns out that someone made several transactions totaling {$3900.00} with a debit card in the state of Georgia, on XX/XX/XXXX and XXXX. 
Chase XXXX department tells me that I myself went to the branch located at XXXX XXXX, and XXXX XXXX. In XXXX XXXX, on XX/XX/XXXX to order a new debit card and have it shipped to an address in Georgia. Which is not true since I have only lived in XXXX XXXX CA. 
In fact, I went to that same branch on XX/XX/XXXX to deposit a check, but when I inserted my debit card, my pin that I always used was not accepted. XXXX, who helped me, asked for help and I was told that my debit card had been canceled and a new one had been sent. But I asked why?, if I hadn't done any of that. Then they said that they were going to cancel that card that was sent and that they were going to send me another one. In fact, I received a card that I couldn't use after activating it, because it declined. 
On XX/XX/XXXX, working in XXXX XXXX CA. I went to a chase branch to get help with that card. And they helped me change the account profile because they said my account was compromised, but they couldn't send me a new card yet. 
XX/XX/XXXX is when I became aware of Georgia 's transactions and called Chase. And they made me change the account profile once again. 
The person who made these transactions in the state of Georgia was able to request the card, and was even able to transfer money from my savings account to my checking account. 
the chase 's fraud department denied me the claim because the they found the transactions were genuine. 
I think Chase is responsible for taking care of people 's money. I don't know what else to do, to get Chase to resolve this issue for me. 
I hope you can help me. 

Thank you.
Product: Debt collection

In the dispute of the day XXXX/XXXX/XXXX hereby request the validation of this account, but after 18 days I have not received any document at the address reflected here, any information you send me, not my signature show make me responsible, accepting the terms and conditions thereof, is invalid, if they need a request for physical validation, sent them without objection, you can not blame an individual for a debt would supposedly test information format printing, without the existence of my signature, the law is accurate, unverifiable or inaccurate accounts they have to be removed, it is my right under the FDCPA 15 USC XX/XX/XXXXg sec 809 ( b ) FCRA Fair credit reporting Act 1 Show me that license numbers are registered and agent 2 Explain and show you how calculated me what you say i owe 3 Any contract or document signed by me to make me responsible for this debt. after XXXX i can receive XXXX dollars for defamation of character in lawsuit, i request a letter of consent where it is manifest that will not be sold to another collection agency and be closed systems in their correspondence should with return receipt be sent to verify that i have received correctly
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau is showing a fraudulent account on my credit report from XXXX XXXX XXXX on my credit report for {$560.00}. I have contacted XXXX XXXX several times regarding this. Just recently, I sent an identity theft fraud letter to them along with a copy of Identity Theft Report that I have included in this complaint. I can not seem to get no where with about this matter. I have placed fraud alerts on all 3 of credit bureaus as well. I would like the credit bureau to please take care of this issue as I'm having such a hard time getting this removed off my credit reports. Please investigate.