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

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

when u call hsbc its very difficult to get thru. then when you do its very hard to understand the person who picks up the phone
Product: Debt collection

According to 15. U.S.C. 1692C Experian, XXXX, and XXXX XXXX have violated my rights by in lawful communications. Please remove this collect off my credit report. Thank you. 
The accounts are XXXX XXXX XXXX Original -Creditor Avant Webbank {$3900.00} XXXX -BANK OF XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

I am reporting Calvalry Portfolio Services for illegally reporting false information to the XXXX Credit Bureau. It can be found under the Public Record section of my credit report. They have deceived the credit bureaus to intentionally re-age the debt. 

The background of this debt : This account with orignially with XXXX and openedaround XXXX XXXX. 

I have the records indicating the first missed payment was XXXX XXXX. It was charged off XXXX XXXX. 

This account is only supposed to continue on record until XX/XX/XXXXCalvalry 's False Claims:1. ) They claim to have served me notice on XXXX XXXX XXXX. This is inaccurate. I received no claim and had no knowledge of Calvalry 's identity or that the debt changed hands. Calvalry can not provide any evidence for this claim. 

2. ) They claim that their law firm, XXXX XXXX served me notice on XXXX XXXX XXXX. This is also false, I received no such notice and neither Calvary or the law firm has any evidence to support the claim. 

3. ) They claim that I was served notice on XXXX XXXX XXXX that XXXX XXXX filed a lawsuit for the account. This claim is also inaccurate. Neither Cavalry nor the law firm can provide any legitimate accurate evidence to support this claim. 

I am reporting Calvalry and their law firm for giving false information to the courts. I received no court summons, no information from Cavalry whatsoever that the debt changed hands. I made absolutely no deals with them, received no notices or court papers. On top of that I am reporting them b/c they re-aged the debt so that it appears on the credit report to continue until XXXX XXXX when it is only supposed to be XXXX XXXX
Product: Money transfer, virtual currency, or money service

Subject : Follow-Up on Delayed Credit for Transaction Dear Bank of America Customer Service XXXX XXXX hope this message finds you well. I am writing to bring to your attention an issue regarding a recent transaction on my Bank of America credit card. On [ XX/XX/year> ], I made a payment/transaction with the expectation that the credited amount would be reflected in my account by [ XX/XX/year> ], as per the timeline communicated to me. 

However, I have checked my account multiple times since then and have not seen the credited amount reflected as promised. This delay is causing inconvenience, and I would appreciate your assistance in resolving this matter promptly. 

For your reference, the details of the transaction are as follows : - Transaction Date : [ XX/XX/year> ] - Amount : [ XXXX $ ( USD ) ] - Amount In INR : [ XXXX ] INR - Reference Number/Transaction ID : [ XXXX ] Could you please investigate this issue and provide me with an update on when I can expect the credited amount to appear in my account? Additionally, if there are any further details or documentation required from my end to expedite this process, please let me know, and I will be happy to provide them promptly. 

I value the services provided by Bank of America and have been a satisfied customer. Your attention to this matter would be greatly appreciated. If possible, please confirm receipt of this email and provide a timeline for when I can expect a resolution. 

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

Best regards, [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX ] [ XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Experience leaked my identity which has resulted in numerous fraudulent credits card applications in my name, 8 to date. I had to purchase credit monitoring and place a freeze on my credit. They never provided documentation that the freeze had been placed or information on how to lift the freeze. I need to lift the freeze temporarily to purchase a car but they will not lift the freeze. I have tried online 3 times and I tried calling multiple times. I have provided all of the requested information including the pin they issued with the freeze but they will not lift it. I am not able to get anyone to answer the phone when I have called customer service numbers as it is all automated. So now that they have released my social security number, date of birth and address they are now holding my credit hostage as well and will not respond to any inquiries.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX collection XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2020 I sent a letter regarding in accurate and unknown information on my credit report. Til this day over 50 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. In Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to remove those items from my credit report. It has been 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was impacted by the Equifax data breach and may have gotten in the wrong hands.
Product: Mortgage

On XX/XX/21 I received a letter from my insurance co, that my policy had lapsed for non payment.I immediately called my mortgage co Select Portfolio Servicing, bc my escrow covers my mortgage .I spoke with manager XXXX XXXX XXXX he told me he fix the issue, as the mortgage had been transferred to SPS in XXXX of XXXX never received a welcome letter or any correspondence that my loan had been transferred, only bc I called my previous servicer Shellpoint Mortgage, which also paid my insurance from my escrow acct, regarding Covid, was i made aware of the changes.The new servicer apparently hadnt realized the ball had been dropped concerning my escrows.Mr XXXX XXXX assured me this matter was resolved.1 week later I called back, to double check behind Mr XXXX, bc my spirit didnt rest with his explanations, only to find out, everything he said was a lie, and nothing had been done.I tried to get things moving, bc a storm was brewing in the Gulf, and heading to La.Unfortunately the matter was not taken care of promptly, and my home suffered significant damage, and Im displaced but my insurance co, denied coverage , as they never received payment.My insurance was included in my note, my mortgage co.collected my payments, and never paid my insurance, although theres an escrow acct for that purpose.They have stolen my money.This co has paid millions in fines for deceptive practices and they continue to deceive and fraud the public.Please Help
Product: Credit reporting or other personal consumer reports

I have disputed incorrect information about upstart and opp loans starting XX/XX/2023. 
Upstart reports my balance as XXXX, they updated the correct amount which was zero on XXXX but refuse to update with the other credit bureaus. XXXX continued to report a balance that was paid off as well and instead of the credit bureau deleting this account they updated it because I had proof that it was paid off when in fact it should have been deleted because they knew that the balance was incorrect of XXXX and the credit bureau continued to report it even though they had a letter saying that I paid the debt off.
Product: Money transfer, virtual currency, or money service

Money Lion Asked for set amount to be backdated Stated only allows 2 transactions Have fee of XXXX dollars to owe. 
I need to have a small payment fee plan. Tried to state that and they did not help. Stated to push back or place half amount to help with struggle
Product: Credit reporting or other personal consumer reports

I am writing to formally express my dissatisfaction with the ongoing issues related to the correction of late-opened accounts under my management. Despite having made these attempts to rectify these discrepancies, the problems persist, and my accounts remain incorrect. This situation is causing significant inconvenience and frustration. The inability to correct these late-opened accounts is impacting my financial management and overall trust in your services. I request an immediate and comprehensive review of my case. I would appreciate a prompt and effective resolution to this matter, including : XXXX. A thorough investigation into the repeated failures to resolve my issue. XXXX. Clear communication regarding the steps that will be taken to correct the accounts. XXXX. A timeline for when I can expect this issue to be fully resolved. I trust that you will treat this matter with the urgency and seriousness it deserves. Failure to address this issue satisfactorily may compel me to seek further action through consumer protection agencies or legal channels. With this, I am asking for your assistance to correct the accounts : XXXX XXXX XXXX XXXX Balance : {$260000.00} ; XXXX XXXX XXXX XXXX Balance : {$11000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX Balance : {$7000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX : {$190.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX : {$1300.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXXXXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Date of Birth : XXXX SS # : XXXX RE : XXXX XXXX Bankruptcy Case Number : XXXX Dear Clerk or Authorized person, I recently pulled my credit report from all XXXX major credit bureaus and seen a bankruptcy being reported in my name. I was unaware that you guys report this private information to the bureaus without the consumer consent. I called them and they stated you the clerk/ Authorized person reported it. I would appreciate a letter back stating that you the clerk/ Authorized person do or do not report to the credit bureaus, and what method is used along with the person or department that reported the information and the procedure used to report that that information. 


Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

Enhanced Recovery Company , LLC located at XXXX XXXX XXXX, XXXX FL XXXX ( ERC ) represented XXXX XXXX XXXX on a collection matter in which I owed a small sum of money from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX. I canceled my services with XXXX XXXX XXXX in a prior time frame and had no knowledge there was a balance due after canceling. Originally I thought ERC and one other collection company were contacting for the same account. By the time I realized the account was split up and one was in collection with ERC, I contacted ERC to dispute or settle the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) portion of the outstanding bill. I promptly paid the amount requested and was told the information will be removed from my credit report once the payment has cleared. Additionally, I paid the other collection company that separately represented the Cable TV ( XXXX XXXX XXXX XXXX ) portion of my old XXXX XXXX XXXX bill and they promptly, even without me asking, removed the collection account from my credit report. However, ERC has not removed the XXXX XXXX XXXX XXXX collection account from my credit report. I have called them on at least 4 occasions regarding this matter since XX/XX/2020. On the first 3 calls, representatives from ERC told me that XXXX XXXX XXXX was responsible for removal. However, when reaching out to XXXX XXXX XXXX XXXX  Office of the President, I was told they have no control over removal. Not only did XXXX XXXX XXXX mistreat me and create confusion over splitting up the originally bundled bills between services, which made me think the collections were for the same account, ERC is still creating confusion and circular conversations on who's responsible for removal. ERC was not transparent about their policies pertaining to removing the account from my credit report prior to and after me paying them. The amount due was minuscule and does not require any additional reporting to credit bureaus. Such a small sum of money does not warrant this type of aggressive collection behavior. There is absolutely no reason for it to be there. ERC appearance on the credit report gives a false suggestion that the debt is still outstanding. I am having difficulties obtaining a mortgage because of it.
Product: Checking or savings account

Me and my wife were XXXX from XX/XX/2023 until XX/XX/2023. During this time our LOCKED filing cabinet was broken into and ALL of our personal banking information was taken and used to deplete our checking account of roughly {$36000.00} that was part of a Workman 's Compensation settlement. I'm sure M & T Bank will be able to look on their database and see everything that has been brought up about this case, including ALL the information and documents we have been sending to verify all of this fraudulent activity. We have been claiming this fraud case since XX/XX/XXXX XXXX XXXX, which is the day after we were released. Ive gone in person to file the claim and explain everything that happened and why its fraud. Ive filed with the XXXX  XXXX Police XXXX XXXX XXXX XXXX XXXX XXXX for the culprits that broke into our locked filing cabinet and stole our banking information. We even had a family friend call and notify M & T Bank of the fraud that was occurring and M & T Bank did the BARE MINIMUM to prevent it from continuing. We gave the XXXX XXXX Police XXXX Report to an M & T Bank branch in our area and even uploaded a copy to the CFPB complaints. EVERYTHING HAS BEEN DENIED BY M & T BANK. M & T Bank has acknowledged around {$1000.00} as fraud, but my family is still robbed of {$35000.00} FROM FRAUDULENT ACTIVITY. If nothing else is done on M & Ts then we will take M & T Bank to court. We willl acquire a lawyer and M & T Bank will also be responsible for our lawyer fees. We will subsequently file additional reimbursements for time and all additional expenses, including time required to take off work. This case is obviously fraud and we dont understand why M & T Bank would cause such a headache for a family that has been banking with M & T for over a decade. I look forward to a response. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX  that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date [ XX/XX/2023 ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX  shows XX/XX/XXXX, Experian shows XX/XX/XXXX and XXXX  has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : XXXX Account # : XXXX Account Name : US DEPT ED Account # : XXXX Account Name : US DEPT ED Account # : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally declare that I am a victim of identity theft and to demand the immediate investigation and removal of unauthorized accounts from my credit report. 
Under the Fair Credit Reporting Act ( FCRA ), Equifax is required by law to investigate disputed information and verify its accuracy. I am exercising my rights under the following FCRA sections and expect immediate compliance : FCRA Section 611 ( a ) ( 1 ) ( A ) : This section mandates Equifax to investigate disputed information. I demand a full reinvestigation of each account listed below, as I have never authorized or held these accounts.

FCRA Section 611 ( a ) ( 5 ) ( A ) : If Equifax is unable to verify the accuracy of any disputed item within 30 days, it must promptly delete the item from my credit report. If the following accounts can not be fully verified, I demand their permanent removal.

FCRA Section 611 ( a ) ( 7 ) : I am entitled to a detailed explanation of the methods used to verify each item. I expect a full response, including the name and contact information of the original furnisher, or any party that verified these items.

FCRA Section 609 ( e ) : This section obligates Equifax to block and remove fraudulent information from my credit file when identity theft is reported. I am submitting my FTC Identity Theft Report and proof of identity in support of my request for an immediate block and removal of these items.
Product: Mortgage

Refinancing a mortgage at Freedom Mortgage XXXX XXXX to lower the rate. I sent all the mortgage information to a loan officer named XXXX XXXX at Freedom Mortgage. He talked to me about the loan so I sent him all the documentation requested. When I didn't hear from him, I tried to call him back and kept getting his voice mail. I didn't get a response when I left messages. When I tried to call for a different loan person they kept transferring me to XXXX because he was shown as working on my loan. I finally had someone that put me through to XXXX and was told he only had a certain amount of time for each loan and so he had to close my loan. I gave up on trying to go through Freedom because I couldn't get a different person to process the loan. 

I decided to go through XXXX XXXX. They requested the final payoff and didn't receive it. On XXXX I called Freedom and was told they couldn't see the request from XXXX and I should just request it because it would be faster. I did the request and within seconds of that, the loan person at XXXX said they finally received the document. I cancelled the request and was told the {$30.00} would take a few days to reverse. On the 26th I called Freedom because the {$30.00} charge still hadn't been removed. I was told that the final payoff that XXXX requested was at the bottom of my statements list and I could just call it up and print it. When I told them I couldn't see it they offered to send me a copy and they said it was complimentary especially since I couldn't see it on my list of documents. I said I really didn't need it because all the paperwork was already done for the new loan. They said it wasn't a big deal because it was just a matter of going to my email and no cost involved. When I closed there was a charge from XXXX for {$30.00} for the final payoff. I logged in to Freedom to make sure everything had been paid off on XX/XX/XXXX and found they not only didn't reverse the {$30.00} charge on XXXX XXXX but they also charged me an additional {$30.00} on XXXX XXXX. I wrote to their customer service and they didn't feel it was an issue. If someone can go through their recordings it will show everything I am saying. It is ridiculous to pay 3 times for the same information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received a notification that there was an inquiry on my XXXX made on XX/XX/2023. I checked the notification and it was for a FRONTIER Airlines World Mastercard account from BARCLAYS BANK DELAWARE. I received an email with further information despite not having signed up for any such account whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to XXXX XXXX, XXXX requesting validation of a debt they said I owed them in the amount of {$1300.00}. The original creditor was XXXX XXXX XXXX XXXX replied back to my request on XX/XX/XXXX and stated that this was a business loan secured by me with a personal guarantee and this was why the could put it on my personal credit. When I asked for the personal guarantee that I supposedly signed they could not produce it. XXXX XXXX went as far to say they were not a 3rd party collection agency and that the FDCPA rules did not apply to them. I could n't get anywhere with XXXX XXXX, so I decided to contact XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, Equifax XXXX,  XX/XX/XXXX, XX/XX/XXXX and XXXX XX/XX/XXXX to help me resolve this issue with XXXX XXXX. All 3 bureaus gave me the run around and all I wanted was an honest investigation.