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

The company misallocated my on-time payment to another customer 's account and incorrectly reported my account as late. 

Account in Question : XXXX XXXX  incorrectly reported as late in XXXX 2021.
Product: Credit card or prepaid card

Never received bill in month if XXXX but when i received XXXX bill, I saw missed payment and paid required amount. 

Phone calls from the bank coming all hours of day and night. Had to install robo killer device on cell. The continue to disquise calls as unknown. I request them to stop as payment was made electronically thru my bank and confirmed delivered.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : ) as XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX
Product: Bank account or service

I had a checking account with Doral Bank located at XXXX XXXX XXXX XXXX since XX/XX/XXXX. 
On Friday, XX/XX/XXXX, Doral Bank, XXXX XXXX, PR was closed by the Commissioner of Financial Institutions of XXXX XXXX, and the Federal Deposit Insurance Corporation ( FDIC ). 
My Doral Checking account was later assumed by Banco Popular de Puerto Rico ( BPPR ). " The acquiring institution '' Per their website, XXXX. The conversion of the BPPR and Doral was completed a few months later. 

According to the FDIC, it is assumed that the fact that the deposits are transferred to " the acquiring institution '' does not affect the day to day banking operations. However since the conversion made I have NO access to the funds nor make or generate any transaction at all. 

Apparently, " The acquiring institution '' had an incorrect address on their systems, unable able to send notifications, including a complete kit with the new account number, cards, and a " PIN '' required for the web registration. On my several attempts to the customer service center, I have explained that I 'm currently living in the U.S ; however, I retain a local address in PR. This is exactly the same address that I have been receiving mail from Popular Mortgage, a division of Banco Popular, PR. For an unknown reason the bank could n't match this address. 

It 's been four months since I started communicating to BPPR that I require access to my checking account to receive the proceeds of the rents of a property retained in PR as well as to pay the mortgage associated with this property financed with Popular Mortgage Inc. ( now 4 months past due, with all the funds sitting in the account ). I have provided the correct address several times and I believe that their systems are finally updated. However I still need to receive the information associated with the checking account. All of the customer service representatives that I have contacted insist that because I 'm not residing in PR I 'm not allowed to receive an account number or PIN to validate. In the meantime my mortgage continues to fall. 

I demand that " The acquiring bank '' ( 1 ) send me a complete kit of the new account assumed, as well as any cards and PIN or information needed to be able to register on their website to generate transactions. 2 ) make any adjustments required to any of the ( XXXX ) Credit Reporting Companies, that could be negatively affected by " The acquiring bank ''. 3 ), cease and desist any written or verbal communication from Popular Mortgage Inc. asking mortgage payments while the funds are clearly sitting on the account for over three months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I was notified about a hard inquiry open on my report, while checking my credit report I noticed this inquiry from a bank, knowing I havent signed up for anything to have this inquiry I contacted the company listed on the inquiry, while speaking with the company they were unable to find an account for my social as well as my address but did see several accounts with my same names as mine. Needing to have this removed from my account. This is not accurate.
Product: Credit reporting or other personal consumer reports

I have made multiple attempts to get in contact with XXXX XXXX regarding a fraudulent collections account that is being reported to Equifax. Despite speaking with them on multiple occasions and sending letters via certified mail stating that this was not my account, I have not received any resolution. I was assured that they would conduct an investigation into the matter, but I have yet to be contacted with any updates since. This fraudulent account is severely impacting my credit profile, causing me financial hardship, stress, and XXXX It is also negatively affecting my creditworthiness, and I am eager to have this issue resolved so that I can have an accurate and fair credit report.
Product: Debt collection

Someone from company keeps calling and sending letters for unpaid debt after Ive asked not to from Exeter finance and they have called multiple people around which has me guessing how did they receive that persons phone number or anything I feel harassed by this and they are steady reporting to my report I want this to stop
Product: Debt collection

on XXXX XXXX XXXX XXXX XXXX put a collection on my credit report stated that I owe {$510.00} which is still reporting on my XXXX credit report I do not owe this collection agency this is a fraudulent collection that is been report on my report can please investigate the information with this company that reporting this collection on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In previous months, I requested updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your lack of response, or responses which I classify as frivolous, you have dishonoured FCRA regulations and my request for verification. If you wish to correct this dishonour, I will give you one more chance to correct your errors and update my records. Please CORRECT the item, as it was already corrected from the other bureaus. You have 30 days to CORRECT this item listed below : XXXXXXXX XXXX XXXXXXXX XXXX Date Opened:07/20/2020 Balance : {$360.00} -Late/Open Late Date XXXX
Product: Credit reporting or other personal consumer reports

To : Credit Reporting Agency Credit Reporting Agency Address if sending via Mailing Address Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, XXXX, or XXXX ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for {$0.00} from XXXX {$1000.00} from XXXX XXXX, {$0.00} from XXXX XXXX XXXX, {$490.00} from XXXX XXXX XXXX XXXXt listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account, XXXX has violated my rights Th Hippa law I did not sign a HIPPA release letter for my personal information to be released 15 USC 1681 section 602 8 states I have the right to privacy 15 USC 1681 section 604 A section also states a consumer reporting agency can not furnish your account without my written instruction
Product: Checking or savings account

I have directed deposit and substantial high over draft fees direct deposit would clear sometimes on Tuesday then on Wednesday or later creating more fees
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experians fraud dispute department on XX/XX/2021, around XXXX XXXX. XXXX. I spoke to a male agent by the name of XXXX. After I was fully authenticated, XXXX indicated I had an Experian membership and asked for my two security question answers : 1. What street did I grow up on? 2. What is my XXXX PIN? XXXX indicated I answered both questions correctly and proceeded to the dispute process. I requested to dispute an inaccurate address on my credit report. I also requested to dispute an inaccurate notice that indicated my address is associated with a business. I dont live at that address and I dont have a business. The address is not deliverable to me by the U.S. Post Office, and is not reportable as per the FCRA since they are inaccurate. I informed XXXX that I have lived at my current address for more than two ( 2 ) years. XXXX refused to file a dispute on the inaccurate address. XXXX also refused to file a request to remove the notice indicating the inaccurate address is associated with a business. I told XXXX I dont have a business and never used a residential address as a business address. XXXX continued to interrupt me and then refused to file any disputes. XXXX said my voice sounded familiar and he doesnt have to file my dispute. I successfully passed any and all of XXXX security questions and am entitled to file disputes on inaccurate, erroneous and unverifiable items pursuant to the FCRA. I indicated I have a valid police report and XXXX said that doesnt matter. I then asked XXXX for the name of his team, the name of his supervisor and what state or country his call center is located. XXXX refused to answer my questions and then disconnected the telephone call. I am maintaining a careful record of my communications with Experian for purpose of filing a complaint with my Attorney Generals office and Federal Trade Commission. Experian is in violation of federal law for your willful non-compliance as you have now violated federal law by not properly investigating inaccurate reporting. Criminal and civil claims will be pursued.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a debt on my credit that shouldn't have never been added to my report first if all its covid you r not suppose to report anything to credit reports sec of all I have things on here that r not mine I reached out several times no response I want this off my credit immediately XX/XX/2020 it was reported and the name of company is Caine and wiener never did any type of business with these ppl and the debt is for XXXX please look into this and remove it also I'm showing I have XXXX credit cards that r open in my name I have zero credit cards in my name i had 1 card and it's now closed i believe this to be fraudulent
Product: Credit card

In XX/XX/XXXX, I received, in the mail, an application from American Express for their credit card. On XX/XX/XXXX, I received an email stating AMEX was unable to approve my request due to my credit freeze on my credit file. On XX/XX/XXXX, at XXXX PST, I called AMEX and provided AMEX with my PIN and the agent informed me that she was successful in " unfreezing '' my credit file. The agent informed me that everything looks good and that I would receive a call back within XXXX hours regarding approval or status of my application. No phone call was ever received. On XX/XX/XXXX, I received duplicate letters from AMEX stating they could not access my frozen credit file. On XX/XX/XXXX, at XXXX PST, I called AMEX and was informed by AMEX that they in fact have my PIN, was able to access my credit file and apologized for the confusion on AMEX 's behalf. I was assured that I would receive a decision in 5 working days or on or before XX/XX/XXXX. To date, ( XX/XX/XXXX ), I have not received anything from AMEX regarding their decision. I would call AMEX a XXXX time and provide my PIN but I am reluctant because I sense evasiveness and a lack of transparency from AMEX. I had no choice but to contact CFPB and attempt to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to the Equifax data breach, in XXXX XXXX I accessed the Equifax web site using the link on the US Government FTC web site ( www.equifaxsecurity2017.com ). I completed the form and submitted it to Equifax. The message I got back from Equifax was that they Believe my personal information has been impacted. 
I then signed up for their Trusted ID XXXX XXXX XXXX XXXX. I was told that I would receive an e-mail to confirm and complete my credit monitoring sign up, and to look for this e-mail, including in my junk or spam folders. 
Over a month has passed since I signed up and I have heard nothing back from Equifax or Trusted ID. No e-mail in any mailbox. I just wanted to let you know that this is how Equifax is treating individuals who they say have been impacted and signed up. 
Have you gotten other complaints about this and if so, do you have any feedback on how to proceed to get the free credit monitoring from Trusted ID in place?
Product: Mortgage

Nationstar recently completed the PMI removal process from my loan but is refusing to refund my PMI over payments in the amount of {$540.00} for the months of XXXX XXXX XXXX 2016. XXXX XXXX, 2016 is the day of record for my PMI request for removal. XX/XX/XXXX is the day I was transferred to Nationstar. Nationstar claims they 're only responsible for refunding the PMI I made to them. This is a clear violation of the Homeowners Protection Act. I have spent hours and hours trying to resolve the issue of PMI removal with the company. This particular incidence is different than recent complaint # XXXX which Nationstar claimed the issue had been resolved.
Nationstar claims they refunded my appraisal fee of {$450.00}. In my opinion, this is an attempt to further break the law. All I 'm asking for is my rights to be honored. Please cancel any {$450.00} appraisal fee " reimbursement '' ( wherever that money is floating ) and refund the over-payments in the amount of {$540.00}. That is the law and legal accounting is what I 'm asking for. Attached is the letter from XXXX XXXX where they 're attempting to address a different CFPB claim that they have no responsibility in refunding any PMI payments. This is a business issue between Nationstar and XXXX, as Nationstar initiated the purchase of my loan and it 's not my responsibility to deal with business related problems between these XXXX companies.
Product: Checking or savings account

I deposited a {$550.00} USPS money order XX/XX/XXXX at Bank of America. I asked the person that processed my deposit if there was going to be a hold and they said no money orders are not put on hold. The attached receipt does not state a hold. When I arrived home, I accessed my email and there was a notice that a hold had been placed on my deposit until XX/XX/XXXX. I accessed my BOA account, and it stated the funds would be available the next day. This morning the message in my account changed stating there is a hold until the XXXX. Everyone I talk to at BOA states money orders are not placed on hold. I called the XXXX GA branch ( XXXX ) XXXX and they transferred me to the holds department she said she would call me back in a couple of hours to make sure the issue was resolved, but my phone has not rung yet. I was transferred to the Hold Dept. ( XXXX ) XXXX. The employee I spoke with stated she tried to remove the hold but could not. The rep stated she was going to escalate the removal of the hold. I was then advised it could take 24-96 hours before the issue is resolved. I have been with BOA for 30 years and there have been no problems with my account. 

As I told the employee that advised me it could take 24-96 hours, I would charge BOA 29.50 % interest compounded daily until I am made whole.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am submitting another complaint to inform you that I have fallen victim to identity theft. I visited the FEDERAL TRADE COMMISSION website https : //www.ftc.gov again and filed an identity theft report. Per FCRA Section 605b, Credit Reporting Agencies are mandated to eliminate any items listed on an identity theft report, specifically under my reference # XXXX. Please find the attached documents to aid in the removal of inaccurate information that is currently being reported on my credit reports. The following is a list of inquiries and an inaccurate address that do not belong to me or were opened without my permission : 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 XXXXTRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ), Credit Reporting Agencies shall remove any items in the file of a consumer identified as information resulting from alleged identity theft not later than 4 business days after the date of receipt.