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

To : Whom It XXXX concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}, {$9800.00}, {$9500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9800.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried buying a home realized I have damages on my credit report. According to the law 15 U.S.C 1681 there should not be any damages on my report. I submitted in a dispute in regards of the following below on XXXX XXXX. I received a letter stating that it was not me who sent out my dispute and therefore they will not investigate following : Hard inquiries : XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 Personal Information : Address XXXX XXXX XXXX XXXX MI XXXX Collections : XXXX acct # XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX
Product: Credit card or prepaid card

My account KAY JEWELERSXXXX XXXX, has been paid, and thus, it should be removed from my credit report. There is no longer any balance on it and it has been closed. I have reached out to the Bureaus and to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this account.
Product: Money transfer, virtual currency, or money service

Trying to connect my XXXX to my pnc bank account and it's not letting me because of something to do with my bank
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on repairing my credit for about six months now. I have been consistently sending letters to TransUnion during this time, the first one being sent on XX/XX/2019. I am in the process of trying to get a home for my family and me, and the blatant disregard from TransUnion is hindering my efforts. I am trying to better myself and get a better job but TransUnion will not respond to my disputes so I'm not even sure if they are following the laws laid out for them. I have attached all of the letters I sent to TransUnion below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery is reporting Inaccurate information on my credit profile. Please delete account immediately This company continues to report inaccurate information to the three credit Bureaus ( XXXX, XXXX  & XXXX ). I have contacted Portfolio Recovery and requested this information be corrected and deleted from my credit file. Some of the errors are as follow : Date opened, Last date of Payment, Amount owed and payment history. Due to this company 's negligence in reporting my credit profile has suffered tremendously. I have made several attempts to correct this with Portfolio Recovery but to no avail. I had a perfect payment history with the original creditor XXXX XXXX for over 3 years. When I originally opened my account I opted to enroll in the payment protection program for an additional monthly fee. I paid this fee every month for over 3 years. Unfortunately I lost my employment the end of 2013 and requested the payment protection be applied to my account. The payments were not made for the duration my contact said they would which caused my account to go delinquent and eventually be charged off.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
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
Product: Credit card or prepaid card

I believe I received an EIP debit card in a white envelope and put it in the trash as junk mail. The IRS website stated that the payment was sent out the week of XX/XX/2020. But we ( my wife and I ) have not received any payment from the government but may have received, as I recall, a unsolicited envelope from Money Network. Money Network would not reissue or replace the lost Economic Impact Payment ( EIP ) debit card or advise whether the card was issued without providing a social security number even though we had to provide a portion of the SS # to gain access to a representative ; they insisted on the full social security number for identification purposes or to even look up information. This practice is in violation of FTC 's instructions, as well a federal law, on its secure website that specifically states " Dont give them your Social Security or debit card number, or any other information. Then report it to the FTC at ftc.gov/complaint which I did. I am reporting the company for violation of scamming, attempting to scam, requiring a social security number as a form of identification and as a scam intended to steal money issued under the stimulus payment Economic Impact Payment program. We are unable to obtain any information regard the EIP payment or debit card. We are unable to collect the stimulus money issued to us because of the corrupt practices of the company. I am unable to assess whether the card was issued, the status of the card or any other information other than the IRS website stating the the money was sent XX/XX/2020. This appears to be an attempt to retain money issued under the EIP program by the company. The amount involved is the reported {$2400.00} that would have been issued under the EIP program. Without addressing this issue the potential is {$100.00} 's of millions or more will be lost by people unable to obtain and unknowingly lose their EIP payments as a result of this company and the failure of the government to adequately inform people that they were issuing EIP payment by a third party and to be aware of this issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX willl not update Chex Systems as to my account having a paid status. The account has been incorrectly reporting on my chexsystems report for almost 1 year.
Product: Mortgage

I got a loan over 1 1/2 years ago. The loan was immediately bought by XXXX XXXX. At that time, I was not able to sell my other home and finally started leasing my previous home. The renters moved out before the end of the contract and left the home in a total mess. I was not able to get the home on the market until I had done some work on it. The home remained empty for 8 months before I could get it sold. Meanwhile, I was paying both mortgages along with electric and gas bills. I worked 2 jobs during that time to make sure I made the payments before the end of each month. The mortgage payments were made to Provident usually on the last week of the month but mostly on the last day of the month. Like I mentioned, I worked very hard to get both payments made before the end of each month. I was very concerned about my credit being affected. On 2 occasions, Provident reported my payment as late because it wasn't made by phone before the cut off time of XXXX XXXX. My other mortgage company had a cut of time of XXXX XXXX when I would call a payment in. They also accepted payments on XXXX and XXXX and credited the account on those days. This is not the case with Provident Funding. I had called their Customer Service at least 5 times during this period but they offered no options for me. As I said before, these payments to Provident were all made by phone on the last day of the month but still counted as late. This has greatly affected my credit rating with the 2 main reporting agencies. When I have called Provident, they connect me with Customer Service, I get the same answer that nothing can be done about the reported late payments. There are now a total of 3 late payments with no other late payments reported from other creditors. I had a good standing record with XXXX  XXXX XXXX prior to selling my previous home. Im asking Provident to please work with me as I am now aware of the cut off times for a payment. I worked very hard to pay all bills on time, even getting a second job. 
I was also told by the company who got me this loan that I would be able to set up a bi-weekly payment so the mortgage could be paid in 2 installments each month. When I called Provident, the customer service department told me they had no such service available.
Product: Checking or savings account

In XXXX, the account for myself and my daughter was frozen ( my daughter is XXXX and it is her account, I am just a signer ). We went to the bank to inquire as to why and we were advised that their had been some fraudulent transactions on her account and they needed time to investigate. Since that time we have been there multiple times and have gotten nowhere. Her account is now closed and has been sent to collections, but the lady over the XXXX branch insists that my daughter had to have done it or have some knowledge of how someone got her info. We discovered that there had been multiple fraudulent mobile deposits where they tried to transfer the money out immediately, but it did not work. Her signature or information is not on any of the checks that were supposedly deposited and they continue to tell me that she would have had to have given her login information to her online banking. I explained to them that people 's social media accounts are hacked all the time, without the actual user provided and requested that they conduct a deeper investigation so that she can be excused of the fees that are now in collections. I have been told by 2 different branches that since it is now in collections that their investigation is closed and she just has to " XXXX it up '' and pay the fees. She is XXXX XXXX XXXX with a hit on her credit before she can even get into the real world and I do not feel as though she should pay these fees, since her account was in the positive when all of this started.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion has failed to live up to 30 days and should be required to get rid of all inquirys now XXXX complaint number
Product: Mortgage

I had my XXXX mortgage with XXXX for the past 10 years and have not had to pay a fee to make online payments. My loan was recently sold to Statebridge Company, LLC. XXXX charges a {$5.00} fee to make online payments. I called to inquire about having this fee waived and I was told that they are unable to waive it unless my Mortgage Note states that there is no fee to make payments. Being in the mortgage industry myself, I know that Mortgage Notes do not state such information. I would like the {$5.00} fee to make online mortgage payments waived indefinitely on my loan # XXXX.
Product: Debt collection

ERC ENHANCED RECOVERY COMPANY Caller is harrassing in nature doesn't stop
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The items need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX Date Opened : XX/XX/04 Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XXXX Balance : {$270000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged 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
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 U.S.C 1681. 

Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # 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 and any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.I 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

Im disputing account XXXX XXXX XXXX  : XXXX, for reporting inaccurate information the original creditors are XXXX not XXXX XXXX, reporting inaccurate balance of {$880.00} instead of {$750.00}, this collection also reporting an payment history which is an error. Failed to mark the account as under dispute within 30 days from my first dispute on XXXX XXXX XXXX 

Please delete this account. 



I would like to also request my credit report.
Product: Mortgage

I have filed multiple complaints with XXXX XXXX for various reasons and they all keep being compiled under once complaint record number which should be again record compliance procedures. I have specifically requested that each complain for each reason be logged as a separate complaint and addressed separately to which I was just advised is not being adhered to by Wells Fargo - SURPRISE! I have filed corresponding complaints with the CFPB that align with the complaints submitted with Wells Fargo that are being combined, although they are different reasons. I am tired of being strong armed and discriminated against by my financial institution as they operate as they see fit and ignore their consumers wishes. I would like explanations as to how/why my requests to file complaints are being ignored and dismissed. I would like to speak with XXXX XXXX about my concerns and have my loan serviced by an ethical and competent loan servicing company, which is obviously not Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three accounts on my credit report that are not mine they do not belong to me it is not mine I didnt apply for them I didnt use these I dont know where they are coming from. 

Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Checking or savings account

I spoke with Truist Bank today about a {$95.00} annual fee changed by XXXX XXXX. I was switched back and forth between XXXX and Truist trying to resolve this by asking them to return my money. I was placed on hold by Truist who told me that they had a special dept that handles this. When switched to the dept, they said that it was Truist who handles the subscription fee and that they only handles the miles. I could not resolve the issue and was not allow to file a fraudulent claim. I once held a XXXX  Truist XXXX  checking acct debit card, but had it closed and the annual subscription fee was NOT returned to me, and I have been unable to get the assistance from Truist bank or XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communications regarding the unverified negative accounts on my credit report. Despite my repeated requests for deletion and your assurance of an investigation, I have not received any verification or confirmation of the accuracy of these negative items.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received onXX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal actio
n.

-- CLOSED ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account.
Product: Debt collection

This creditor ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IN XXXX ) filed a collection ( Rent Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ) against me fraudulently claiming that I owe XXXX while they were in ligation with myself over the matter. They also falsely sent this collection to all three credit bureaus even though I replied to the collection letter and disputed the debt and provided court documents supporting the debt isnt owed in fact the creditor is indebted to me for illegially locking me out of my unit breach of lease and discarding all my belongings. The creditor continued to charge rent late fees and other unwarranted items submitted these claims to the collection agency and now is refusing to delete items from credit report and rental solutions, XXXX is refusing to honor court documents sent and continue to verify debt with collector despite court order and keep telling me to obtain a deletion letter from collector after I explained and provided documentaion to support my claims that it was fradulently filed and I dont owe the creditor. On XX/XX/XXXX in XXXX XXXX Small Claims Court XXXX XXXX XXXX XXXX XXXX XXXX case XXXX awarded me XXXX
Product: Money transfer, virtual currency, or money service

Cashapp account in XXXX of 2024 had some errors of payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the website of Amazon searching for a XXXX XXXX I need it for my vehicle I was told I would find it and half price which I did but at the top of the page it was saying that the plant would come out free to me and no cost if I applied for the store card of Amazon to check if I would get pre-approved that it would not hurt my credit and so I did that's exactly what I did and next thing I know they pulled a hard inquiry on me, and I feel like I was tricked because if they said it would not affect my credit to check if I would be pre-approved next I know that's not what they said otherwise I would have not done it I'm pretty much sure they have done it to other people as well the same way they did to me but people in x don't have the time nor the mine too dig into it and submit a dispute like I'm doing right now and I feel upset and I'm pretty much sure the same way they did it to me they have done it to other people people just don't say nothing and keep it moving but not me I'm going to bring it to your attention.
Product: Debt collection

Received a call before XXXX AM on XX/XX/2021 and there was no voicemail left. Unsure of why they are calling as I dont believe I have any accounts with them. Ive not received any letters or emails stating I have any money owed to them.
Product: Debt collection

This, Item was discharged and the Credit Bureaus do not properly verify the information according to 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A and 12 CFR 1006.34 ( b ) ( 5 ) A security was also Bartered with XXXX XXXX XXXX
Product: Debt collection

I called XXXX XXXX  to ask why if I settled on XX/XX/year> with their debt payment plan why it was reporting on my credit report and sent to a collection agency? They confirmed it was paid, said I need to dispute it as they were unable to do it, only sending a letter. I am disputing tirelessly and multiple times with XXXX and they will not fix this. XXXX, XXXX, XXXX XXXX is helping to get this resolved when it is proven this is a paid debt. I settled another debt with XXXX on XX/XX/year> and in the letter they also stated I had no further obligations to them.
Product: Debt collection

Misunderstanding at hospital was correct immediately and paid off. {$0.00} balance.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you verify this? Several listed accounts are inaccurate in terms of reporting, including incorrect amounts and dates.