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

XXXX {$2700.00} XXXX {$710.00} inquiries XXXX These lenders have accessed your credit file : XXXX XXXXXXXX XXXX XXXX XXXX date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal date These are NOT my accounts I've uploaded police and ftc and nothing has been done these accounts are reporting on all three bureaus. Also XXXX refuses to remove fraudulent inquires that has been reported as well.
Product: Credit reporting or other personal consumer reports

15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Also they aren't in compliance with metro 2 credit reporting. I have evidence to prove my case Also they aren't in compliance with metro 2 credit reporting. I have evidence to prove my case. The status needs to be changed to " PAID, CLOSED/NEVER LATE ''. If not changed i will be forced to take legal action Heres the list that has erroneous inaccurate info on my credit. Must be REMOVED immediately!!!! 

DEPT OF ED/XXXX Account : XXXX DEPT OF ED/AIDVANTAGE Account : XXXX DEPT OF ED/AIDVANTAGE Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX CREDIT CORPORATIO Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX
Product: Credit card

On XX/XX/XXXX I accepted a trial offer for additional internet exposure for my XXXX from XXXX. I agreed to a XXXX time fee of {$90.00}, On XX/XX/XXXX a company calling themselves XXXX billed my credit card {$220.00}. I had no idea what XXXX was nor any idea what product or service they provided so I disputed the charge with Capital One and requested that all my Capital One accounts be immediately closed. Subsequently, Capital One denied my dispute claim and rebilled my account despite overwhelming evidence that the charge is fraudulent and that no value, product or service was ever delivered. There is significant information available which has been provided to Capital One outlining dozens of complaints regarding RealEstateAgent.com and the misleading and deceptive practices they employ to steal money from unsuspecting consumers. Please see : XXXX and XXXX Both these websites contain information about the fraudulent, misleading and deceptive practices employed by XXXX. The pattern continues see : XXXX. Apparently, this vendor does business under a variety of titles - XXXX, XXXX and XXXX. Capital One has proven themselves to be complicit in perpetrating this fraud by favoring their vendors over their cardholders and consumers. I did authorize the initial charge but did not at any time authorize any additional charges and was assured by their agent that there would never be any additional charges.
Product: Checking or savings account

On XX/XX/2020 Bank of America put a pending deposit hold of $ XXXX in my account I have called multiple times trying to figure out what the problem is. They stated this was done by the fraud department. When I spoke to them they told me my account was being reviewed and it should be concluded soon with no exact date as to when that should be done. I have no access to any of my money because of this hold.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Debt Validation and Cease and Desist To, Whom It May Concern, I am writing in response to a recent debt collection notice from your office regarding account number XXXX. To ensure that I am communicating with the correct party, I request that you provide documentation validating the debt in question. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I formally request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the amount you are claiming is owed, including documentation of any contract or agreement related to this debt.

3. Records of all assignments showing the transfer of the debt from the original creditor to your agency.

4. Proof that the original creditor securitized the debt.

5. Documentation of any assignments from the original creditor to a secured trust and back to the original creditor.

Please cease all collection activities until you provide the requested validation of this debt. Additionally, I ask that you refrain from accessing my credit report or reporting any information to the credit bureaus regarding this debt, as I dispute its validity. Should you have already reported this debt, I request that the dispute be noted on my credit report.

Please also clarify your permissible purpose for accessing my credit information, as I contest your right to do so.

Furthermore, I dispute the validity of this debt and request that any future collection agencies you may transfer this debt to be made aware of this dispute. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Product: Debt collection

I Paid Lexington Law {$100.00} to Fix my credit Every month in XXXX XXXXXXXX .They never fixed my credit. I Canceled the service but they still was charging my account I close the account so they can't get no more money and no more over drawn and charge fees.
Product: Bank account or service

Military Retirement XXXX Pay of {$XXXX} was held for three day from XXXX XXXX, XXXX until XXXX XXXX, XXXX, then again a second incident in XXXX XXXX, XXXX Military Retired XXXX Pay of {$XXXX} was held again for two days. on both occasions the Automatic Clearing House ( ACH ) put a HOLD on XXXX Pay with out any Notification, Chase Bank Alert settings were in place and the ACH Department Failed to make any notification. continuous Criminal Activity continues with Chase Bank Programmers, and IT Department and Compliance have " NOT '' prevented any Criminal Activity.
Product: Credit reporting or other personal consumer reports

Equifax investigated XXXX XXXX XXXX my account they determine that it was fraudulent information and the information was to be deleted and it XXXX. After I provided the identity, theft report from the FTC. However the information ended up back on my report XX/XX/XXXX I then submitted another report at the end of XXXX to the CFPB The fraudulent information was again removed on XX/XX/XXXX the information was add back on my report again for the third time as of XX/XX/XXXX and removed again on XX/XX/XXXX now the report has been added back to my credit report for the fourth time as of XX/XX/XXXX they are now refusing to remove This fraudulent information.This is a violation of my rights under the FCRA. This is the XXXX time I have requested an investigation on this issue. Each time I requested procedures used to confirm the false information and it has yet to be given. This false information has been causing major problems and is defamatory to my character as this information is untrue. and the failure to properly investigate and remove this false information and assure maximum accuracy of my credit report is grounds for a lawsuit. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up 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 accounts 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 : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXXXXXX ... Balance : {$39000.00}
Product: Debt collection

I received an email XX/XX/20 from some person by the name of XXXX XXXX, stating that after receiving this email there will be legal actions with a warrant out for my arrest and they will be picking me up from my home and taking me into custody. Finally, this case is going to be downloaded in your State County Court and your Local County Sheriff department Monday at XXXX am as per your State Standard Time I did try reaching out to this person by calling serval times and did leave a voicemail message but no luck or a return call I also email them and he finally responded back to me at XXXX with again stating with the amount I owe of {$980.00} and with 317.5 %, principal amount, attorney charges late penalty, paperwork and late fees. 
Kindly call on to settle this matter or provide your best number to reach you at as the issue at hand is extremely time sensitive. Your case file is getting merge to be downloaded right now then after it will be proceeded inside the court and you got ta find your self in a big legal mess by getting picked up from your home and work so before you face any kind of legal consequences i want to you to call me back and resolve this matter. I am waiting. 
This is part of the other email he sent to me and now there is 2 different phone number.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : My payment was made on time, as evidenced by my bank statements and payment confirmation receipts from my bank account, which clearly show that the payment was processed and sent before the due date. 
Despite this, the late payment was inaccurately marked on my credit report. 
I provided this information along with supporting documents but despite my adherence to the dispute process within the Fair Credit Reporting Act, XXXX, Experian, and XXXX have failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Debt collection

Phoenix Financial Services entered an erroneous collection on my Credit Report on XX/XX/XXXX. I believe this was an old medical bill for my son from XXXX. It was incorrectly submitted to insurance company for procedure not performed. This matter was resolved by the original creditor back in XXXX. 
I contacted Phoenix by mail on XX/XX/XXXX. I emailed Phoenix on XX/XX/XXXX. I filed a claim with the Indiana XXXX on XX/XX/XXXX. Phoenix responded " A verification of debt was requested and will be mailed to consumers verified address once it has been received. '' I have not received any correspondence from Phoenix, written or via email. 
Attempted to file a dispute with XXXX but there is a glitch with their online dispute program and I repeatedly get an error message. 
I would like this collection removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to   XXXX   to remove inquiries that I did not approve I had a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that wasnt done which violates my rights as a consumer. I reached out to them several times to advise that my credit is being pulled ithout my permission and they advised me they couldnt remove them along with the incorrect names and addresses.
Product: Mortgage

On XX/XX/2020 I paid off my Citizens One Home Loan. On XX/XX/2020 Citizens One Home Loans issued a Escrow refund of {$5500.00} via a check # XXXX. The check arrived in the mail XX/XX/2020 ripped in half and I was unable to deposit the half I had due to missing pieces. I contacted Citizens One to receive a callback on XX/XX/2020. Upon getting the call I was told to return what I had of the check with a letter requesting a new check. I mailed the check back on XX/XX/2020 with a letter stating the account number, the check number, and direct request to have a new check issued and requested to have a notice to my accounts secure message that the check was received. I never received any notices. On XX/XX/2020 I requested another call from. Citizens One Home mortgage to get an update on the status of the check. I also sent a secure message to customer service. During the call I was told that there were no updates on my account and no new checks were mailed. The customer service rep. said she would open another request on the account to have a new check mailed. On XX/XX/2020 I received a notice over secure messaging that my account shows that I notified Citizens one mortgage that I mailed the check on XX/XX/2020 and that a new check would be issued when they receive the old one.  Either they did not process the letter or USPS lost the return letter as it has been 20 days since I mailed the check back and it doesn't take 20 days to mail anything anymore. 

It has been 41 days since I paid off my loan. Citizens One Home Mortgage is still holding my escrow hostage and I believe this is in violation of RESPA 1024.34 ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my account off in full in late XXXX/early XXXX. I have been paitent in waiting for my credit report to be updated however after 3 requests and nearly 5 months they are still reporting that I have an outstanding balance and have are 60 days past due which was no longer accurate in XXXX. My Credit is now being damaged by their lies and I need it corrected. 

I called the company 3 times and made a request in the chat but after being on hold over over an hour was told that they wouldnt talk to me. I need this corrected ASAP. If they are doing this to me a paid in full FORMER customer who will never utilize their services again and will discourage anyone I know who looks at them as well, I can only imagine what they are doing to those who were effected by COVID.
Product: Credit reporting or other personal consumer reports

I sent each of the 3 credit bureaus a letter on XXXX XXXX and Each of them had told me they received the but stated they were doing nothing with the letters. It has now been over XXXX  days and the inquiries are still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXXDear sir, In XX/XX/XXXX I, submitted an application to XXXX Wallmart for a credit card. The floor manager informed me that my application has been denied and will receive a letter explaining the reason why was it denied. OnXX/XX/XXXX, I received a letter dated XX/XX/XXXX, from Synchrony Bank that they were unable to approve my request at this time because the CREDIT BUREAU REPORTS APPLICANT IS DECEASED. I am still a life and very healthy. Also I have XXXX XXXX and XXXX XXXX  credit cards approved it to me. This is ashamed to a Big Bank like Synchrony in Florida and being such big companys like WALLMART in XXXX California Unfotunally reported that I was DECEASED, that hurt my ego.

I request an investigation and a credit correction.

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

To whom it may concern, I received a large number of alerts regarding inquiries. I was alerted that my information might have been compromised. I am requesting that these items be looked at and deleted from my report. I am not sure which reporting agencies go to what actions, so I am including all inquiries. 

XXXX XXXX XXXX, XXXX XXXX 2021 XXXX XXXX  XXXX, XXXX XXXX, 2021 XXXX XXXX XXXX, XXXX XXXX, 2021 XXXX XXXX, XXXX XXXX, 2021 XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, 2021 XXXX XXXX XXXX XXXX. XXXX XXXX, 2021 XXXX, XXXX XXXX, 2021 XXXX/VXXXX XXXX XXXX, XXXX, 2021 XXXX XXXX XXXX, XXXX XXXX, 2021 XXXX XXXX XXXX XXXX XXXX XXXX, 2021 XXXX/XXXX, XXXX XXXX, 2021 HERE IS THE LIST To my knowledge there were inquiries with XXXX, XXXX and experian
Product: Mortgage

PennyMac loan servicing company is committing fraud. I have completed all three of my home loan modification process trial payments. PennyMac Loan Servicing Company ( Bank ), stopped my FHA loan modification process, placed my payment on the back end of my home loan and sent a notice stating partial payment. PennyMac Loan Servicing Company is pretending like I was not in a modification trial period, pretending like I did not submit any documents to them and proceeding with my foreclosure. PennyMac is taking advantage of the Covid-19 crisis and demands and housing market crisis. They are lying to the courts too speed up foreclosure, stating I did not respond for mediation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to dispute these bankruptcies on my credit file. This bankruptcy is reporting inaccurate and should be deleted. The third party XXXX XXXX has already deleted these bankruptcies. Im requesting for the credit bureaus to remove them from my credit file
Product: Student loan

I received a notification from Discover that I had possible eligibility in a Discover XXXX XXXX 2 % rebate program. I called in to ask and was told I was eligible for the smaller of two loans ( or about a {$40.00} rebate ). Unrelated to this inquiry, I was told that the reason I was not eligible for the larger loan is because I chose a fixed rate and not a variable rate. This sure feels a lot like steering. 

At any rate, I was told I was win fact eligible but I then needed to provide proof of XXXX. I did that after much searching through old photos as I was overseas. I was then told today via secure message that now I'm ineligible. But no reason was given. I called in and asked why. Then I was told that I XXXX too long ago. Then I was told that my claim was too long from the date of XXXX Then after being put on hold a long time, I was told that now my loan was disbursed too soon to when I actually XXXX  Frankly, I should be paid 2 % back on both loans since I took out loans, paid them back, and XXXX
Product: Checking or savings account

On XX/XX/year> at XXXX i tried to withdraw my money at a atm in XXXX va XXXX XXXX {$140.00} the atm didn't dispense my money out so i told the XXXX and tgey told me to contact chime because tgey have no control over the atm i did so and chime tells me they will do a temporary credit on my account immediately till they resolve it been waiting i needed to pay a bill with that and now they closed my dispute and denied after telling me they was crediting my account to get my money back if i have to i would take legal action if i dont get my money back
Product: Debt collection

SECOND REQUEST : I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.
Product: Debt collection

I requested services from XXXX on XXXX of last year since it was my first time moving from my parents. I call to request service to the address XXXX XXXX XXXX XXXX XXXX, XXXX, NC, XXXX. I can confirm this because a representative from XXXX did me the favor to listen to the call when I requested services and she confirmed that is the address I gave them. After a couple of months I started receiving due bills from XXXX from a address which I dont have any type of connection. I ask XXXX to investigate this and they decided that the account is legitimate. They never told me of the results of the investigation and they just sent the account to collection for {$830.00}. I dont know it this is identity theft. But it is a big coincidence that services started at that address the same time I requested services to my real address which I have to call again to activate services since they were not activated which makes me think it was an internal mistake from XXXX XXXX.
Product: Debt collection

I have tried to reach out to see what the original debt service was. No previous knowledge of an account with debt, only received emails about a debt in collection status. Reached out to find out origin of debt and no information received. I do not recall the debt or loan being applied for/received/paid. No prior knowledge of debt until collection emails started flooding inbox.
Product: Debt collection

I XXXX XXXX am a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for all accounts created by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. CREDENCE RESOURCE MANAGEMENT are reporting and account in an attempt to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at least and unacceptable by every means. 

CREDENCE RESOURCE MANAGEMENT is violating 15 U.S. Code 1692c CREDENCE RESOURCE MANAGEMENT are also violating 15 U.S. Code 1692b CREDENCE RESOURCE MANAGEMENT continues to state they are collecting a debt this violates 15 U.S. Code 1692b Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ;
Product: Checking or savings account

On XX/XX/XXXX {$910.00} was transferred to a person that I didn't know and not part any contact by me. I file a dispute as soon I notice the transfer and inform my account customer service provider that I didn't approve of the transaction. I received an email by my account and they told me they didn't see an error and couldn't be refunded. I stated to them I go through XXXX XXXX  when sending funds to pay for bills and I don't use their service for that