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

I have contacted XXXX on several occassion to receive my report due to inaccuracies being reported by them. They continue to refuse me access to my report even after verification of my identity. They continue to transfer me to agents overseas and giving access to my account information and refusing to correct this. They have been doing this as early as XX/XX/XXXX. My most recent request to correct this same information was XXXX, XXXX, and XXXX of XXXX. They are also releasing my information to state entities and other companies without my permission.
Product: Credit card or prepaid card

bought and return product by XX/XX/18 verified by there email dated XX/XX/18 and letter dated XX/XX/2018. Fax copy XX/XX/18 of there email stating credit will be credit to account. add spouse XX/XX/18 to account to help clear up.also again on same letter stating credit of XXXX will take 45 days.letter dated XX/XX/18 states intent to report delinquency to credit agencies.i XXXX XXXX called on XX/XX/18 telling them of previous letter and returning product as stated on top of there letter hand written. receive another letter of intent to report delinquency now owing XXXX. called XX/XX/18 ask to resolve explain all letters to no avail. wrote letter XX/XX/18 to XXXX XXXX XXXX/ dispute resolutions only to receive another bill dated XX/XX/18 they are closing account
Product: Credit reporting or other personal consumer reports

I am reaching out to inform you that I have been a victim of identity theft. Please consider this letter as a formal dispute regarding the following accounts. I have directly contacted all the companies involved and followed the necessary steps to address this issue. I have filed an identity theft report with the FTC and contacted each company individually to dispute the inaccurate information that should not be on my file. Your assistance in resolving this matter promptly would be greatly appreciated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

An account I had went to collections after I moved. After I was made aware it went to collections and was placed on my credit report, I paid the balance in full. The payment was made XX/XX/2017. I have contacted collection agency asking them to report it the all credit bureaus as paid in full. I have sent copies of the cleared check from my bank to all credit bureaus with a letter asking them to update account to paid in full. I have disputed the item with all credit bureaus in excess of 30 times still getting the same response as before. The account is paid in full. They have all necessary documentation showing that it was paid in full. It needs to be updated as such asap.
Product: Debt collection

On XXXX XXXX a collection agency named XXXX XXXX XXXX have reported to my credit account that I owe {$540.00} to them. HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE. 
ENGELHARDT. V GRAVENS ( MO ) XXXX XXXX, XXXX | PRESUME THAT PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding unresolved disputes with Experian regarding inaccuracies on my credit report. Despite filing a dispute with Experian over 30 days ago regarding XXXX XXXX XXXX Account Number : XXXX  bank reporting inaccuracies and reporting of late payments, I have yet to receive a response or resolution from them. 

It is deeply concerning that Experian has failed to adhere to the mandated timeframe for resolving disputes outlined in the Fair Credit Reporting Act ( FCRA ). As a result, I request immediate escalation of this investigation to ensure prompt resolution of the matter. 

Furthermore, I demand that Experian provide documented proof of any late payments before verifying them as late payments on my credit report. It is imperative that they uphold their responsibility to verify the accuracy of reported information, particularly when it has significant implications for my creditworthiness. I have presented documented evidence showcasing numerous inconsistencies by XXXX XXXX XXXX on my credit report. They have indicated different last activity dates with the credit bureaus. XXXX, XXXX XXXX XXXX, XX/XX/XXXX & Experian XX/XX/XXXX. Additionally, while XXXX and Experian list ONE 30-day late payment, XXXX erroneously reports TWO late payments. Furthermore, they incorrectly cite a late payment in XX/XX/XXXX, despite the account being closed since XXXX. These discrepancies violate the FCRA, and I request the immediate removal of this account from my consumer report. 

Additionally, I request the removal of the disputed account from my credit report, as it has been reported with several inconsistencies that have not been adequately addressed by Experian. 

I urge the Consumer Financial Protection Bureau to intervene and facilitate the resolution of this matter swiftly. Your intervention is crucial in ensuring that Experian complies with its obligations under the FCRA and that my rights as a consumer are upheld. 

Also attached is the previous dispute letter I filed over 30 days ago that has not been resolved. Also attached is proof of my identity and proof of Self/Lead consistently reporting inconsistencies to my credit report. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and appreciate your assistance in this regard.
Product: Credit reporting or other personal consumer reports

I am filling this complain regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item as it is incorrect and does not reflect my true credit history
Product: Credit reporting or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX, XXXX XXXX on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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: Checking or savings account

PNC Bank changed the terms of my personal checking account. This notice was provided only via statement message on an account that is considered a virtual account and does not receive paper statements. Most activity, including reconciliations, on these types of accounts are performed in-app, and thus I did not receive proper notice, such as an App Notification or even a note to say, " Hey, by the way, there are new terms on the most recent statement. '' When I called to inquire about this service charge, I was told that PNC had done away with one of the ways they provided to avoid this charge. That particular method was to avoid visiting any of the branch tellers. All transactions had to be performed through the app, online banking website, or ATM machines, which I had done for many years. Unhappy with the outcome, I requested to close the account. I was informed that PNC could not close my account until my Life Insurance automatic withdraw was switched to another account. So, lacking any other options, I finished our conversation and proceeded to change the life insurance payment account. 

By the time the Life Insurance was switched, and I called PNC Bank to close the account for the second time, I was assessed another monthly fee which overdrew my account. This time PNC refuses to close the account because the account had been overdrawn by their $ XXXX monthly fee. I refuse to pay the fee on the grounds that I had previously requested to close the account because of it. 

At this point in time, PNC still refuses to close my account and is continuing to charge my account {$7.00} per day for being overdrawn. Fees assessed since my request to close the account currently total {$100.00}, as of X/XX/2017.
Product: Credit reporting or other personal consumer reports

Please check the documents I've sent as there are inaccurate public record information on my credit report.
Product: Mortgage

Point Digital Finance masquerades as a investment partner who buys a small percentage of your 100 % owned real estate property based on their low appraisal. They say its not a mortgage loan and no monthly payments, but yet after signing docs in XX/XX/scrub> 2021, the next day I received email stating they sold my loan or interest to a corporation. Months later, I then started receiving tons of embarrassing unwanted mortgage protection letters stating public property records of a XX/XX/year> recording show this as a mortgage loan through Point, which is serviced by XXXX XXXX. I been lied to and taken advantage as I now receive payoff statements of higher amount than the original loan amount as my property value continues to grow. They now control basically everything as a so called joint ownership aka investment partner, for a small loan stake. Since Im deaf, I have only communicated through emails and texts since I received their solicitation back in summer of 2021. The only person I met in person was the notary agent they sent out to me in XX/XX/scrub> 2021 who filled in the dates and my name on most of the documents. Honestly I didnt fully understand what I was getting into as they casually state this is not a loan and there are no payments which caught my attention. But they never warned me about all the rights I would be giving up for the small investment amount borrowed. It is now revealing that they are stealing my equity on top of the original loan amount that makes me feel taken advantage of and misrepresented during the loan transaction. Had I been advised this to be high interest rates and unreasonable loan terms then I would had never done it.
Product: Money transfer, virtual currency, or money service

On Wednesday, XX/XX/XXXX, I was contacted by an alleged Chase member, from the same phone number located on the back of my debit car. He asked me if I approved a wire transfer to XXXX for {$1200.00} and XXXX for XXXX I said no. He told me I had to complete XXXX " reversal '' wire transfers in order for these to remain in my account. The first wire transfer of {$1200.00} was taken out of my account, however the second transfer of XXXX was not because of insufficient funds. After a few days of the money not returning to my account I became suspicious and called Chase at the same number that I was contacted from, ( chase customer service ). I spoke with a representative from Chase and she was able to complete a recall for the first transfer. I told her I was concerned that the second transfer of {$1100.00} would come out of my account once I had sufficient funds so she transferred me to another representative to insure that this second wire transfer would not go through once sufficient funds were in my account. I spoke with the second representative to insure this so I expected the second transfer to not go through. On XXXX, XXXX, the first transfer of {$1200.00} was refunded to me and then the second transfer of {$1100.00} was taken out of my account. I contacted Chase again, but the representative was not able to do a recall for this second transfer and advised me to recall the transfer here. The recipient is XXXX. XXXX ID is XXXX for the amount of {$1100.00}. 

This is what happened and this is the same message that I sent to chase wire fruad department. After several weeks they reached back out to me explaining that they made multiple attempts to contact the recipient bank but never recieve XXXX reply or a response
Product: Credit reporting or other personal consumer reports

Ive contacted credit bureaus on hard inquiries on and stated that I dont recognize who companies are on my credit report Ive filed identity theft report and I disputed I didnt give anyone my information or authorization to run my credit I have updated address new phone number 's and have added more security and credit monitoring fraud alerts to try to prevent I also appealed things .Ive stated that XXXX want removed and I explained its hurting my credit score negatively
Product: Credit reporting or other personal consumer reports

This account for XXXX XXXX was opened on the following date ( XXXX ). Since then, the Date Of Last Activity has been inconsistently updated. On XXXX the date last active was ( XXXX ) and on Transunion its ( XXXX ). If the information is coming from the same creditor, the dates should be the same. Both XXXX and Transunion failed to investigate this account properly after I repeatedly ask to have this account updated. Your neglect has once again violated my consumer rights. I am demanding a deletion of the following account : XXXX  XXXX Acct # XXXX
Product: Credit reporting or other personal consumer reports

SEE ATTACHED***** REGARDING INACCURATE AND INCOMPLETE AND UNVERIFIABLE ACCOUNT FOR XXXX XXXX
Product: Debt collection

I rec 'd a letter from Ally XXXX for a debt that is NOT ours. I verified this with my husband 's SS #. I told them XXXX to not contact us again via phone or letter or I would file a complaint with CFPB. I even wrote that on their letter and sent it back the next day. They even asked if I knew the person they were trying to reach. There are several people with the same name ... .I googled it. How would I know WHICH one they were looking for? Besides even if I did know ... ... it 's NONE OF MY BUSINESS!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance : {$400.00} XXXX XXXX  ( Original creditor : XXXX XXXX ) XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX ) XXXX Balance : {$2100.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 ; XXXX XXXX Inquiry : XX/XX/2022.
Product: Mortgage

Back in XXXX of 2019 my loan was transferred from XXXX to Loancare. Within 60 days ( XX/XX/2019 ) Loancare did what they called and annual escrow account statement. I am used to these coming at the end of the year so I did some research. The rules allow for this, but if done so, then the date to do this will be each year at the same time since the also increased my payment at that time. Loancare then again on XX/XX/2019 did this again and again increased my payment. I do not think this is acceptable!
Product: Debt collection

I'm writing this complaint and there is no third party involved. 



To whom may concern Pursuant to 15 USC 1692c ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with through any and all mediums. 



Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : 1. Zero out the balance on this account 2. Pay the attached invoice and compensate me for every violation labeled in the attached exhibits. 



3. Deletion from all consumer reports. 



4. Delete all my personal information from your company. 



I'm also requesting validation ( attached ), Please be aware of filling up each line requested. ( Don't forget the Authorized Signature of Creditor ) You must return this completed form along with copies of all requested information, assignment or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter. 



Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

The Information listen was never authorized by me to be submitted for please remove the following inquires and accounts from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please remove These following inquires Immediately. I also request that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Be removed as this is not my account and was open fraudulently. XXXX XXXX XXXX be updated as I have never been late on my report or had a repo. I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted 2 complaints about fraudulent hard inquiries reporting on my Equifax credit file. Both times the company has stated all inquires would be deleted. 8 hard inquires remain from both complaints. The 1st of 2 complaints regarding the hard inquires was submitted on XX/XX/22. The company response to complaint XXXX was to delete all inquires which the company list individually in the company response section. When I checked my Equifax credit file after the company response 8 hard inquires remained. I contacted the Equifax fraud department XX/XX/22 and explained the situation and the agent told me the remaining inquires would be deleted by her and also gave me a confirmation number of XXXX to reference back to if needed. On XX/XX/22 the remaining inquires were not deleted so I contacted the Equifax fraud department again and was told I needed to submit another complaint in which I did on XX/XX/22 stating that all inquires listed were not deleted. Once again the company response to the 2nd complaint XXXX was to delete the remaining inquires. On XX/XX/22 I contacted the Equifax fraud department because the 8 hard inquires were still on my credit file. After explaining the situation the agent he stated he would have the hard inquires deleted. I was given a confirmation number of XXXX to reference. I put Equifax on notice about the violations. Gave Equifax an opportunity to cure. Did a re-investigation because Equifax did not fully cure the violations. The company stated in both investigations to delete all hard inquires listed, yet 8 still remain. I confirmed this by calling Equifax fraud department on XX/XX/22 at XXXX and by pulling my Equifax credit file. Equifax has caused me and my family severe harm due to your negligence, inaccurate reporting, and willful non compliance. Due to the companys willful non compliance Im demanding monetary settlement of XXXX, {$1000.00} per each violation in which there are 8. 
These violations have caused actual damages, high interest loans, and denials for extensions of credit. There are 8 hard inquires that have not been deleted that should have been deleted as stated as a company response on 2 complaints. Im demanding {$8000.00} dollars, {$1000.00} per each hard inquiry which there are 8. 
15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; The monetary settlement check can be mailed to XXXX XXXX. XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, TX XXXX Also, I want these 8 remaining hard inquires to be deleted.