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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On Friday XX/XX/2019 at XXXX central standard time I set up a funds transfer with XXXX XXXX to put XXXX into my XXXX XXXX bank account it turned out that it was not allowed to do this unless you done it before no where does it say that I was told I wasn't getting any if my money back and I have contacted the ftc Federal reserve bank and department of Justice us attorney office with that being said I was notified by XXXX XXXX   that I will have all money totaling XXXX back in my card in 5 days from the time the transaction took place
Product: Bank account or service

Account was flagged for fraud. This account was a account that was opened for a specific reason. The account had very little activity as the reason for opening the account did not play out as soon as I had thought. After I attempted to finally use the account I found that there was activity several months ago that was not from me. The account was flagged for fraud rightfully so but TD never reached out to me to let me know. TD customer service says they tried to contact me via telephone one time but i do not have voicemail regarding my TD account. Several months later when i discovered the issue TD says I will most likely have no actions taken to retrieve the money as it was far to long ( roughly 6 months ). I dont believe I was contacted properly and I do not have a paper trail or voice mail. my complaint is for the lack of effort on a banking institution to contact a customer when fraud is being committed. The money is a small amount but what truly bothers me is the lack of help i received from the bank after being a victim of fraud and robbery.
Product: Debt collection

On XX/XX/17 around XXXX XXXX a Co Worker contacted me that ERC had contacted him about a debt they say I owe. I immediately contacted ERC and spoke to an associate named XXXX. I expressed to him if he had a debt with me send a written letter to my address. The guy he contacted was not even in management and was at home for the holiday break.
Product: Credit reporting or other personal consumer reports

Someone has stolen my identity and I attempted to contact Experian, XXXX, XXXX, to have all fraudulent information removed from my credit report. Nothing was done about the fraudulent accounts on my credit reports. Hopefully we can get this issue resolved IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last several weeks we have had multiple mortgage companies try and get our credit score from Equifax for a loan. All of the mortgage companies have stated they were not able to get the score, thus not allowing us to purchase a new home. Equifax was contacted on two different occasions and both times I was told there was no hold or freeze on the account. I have researched and this is not the first time that Equifax has been accused of this. This is a very time sensitive issue that needs to be addressed and corrected immediately. 

This is a violation of our consumer rights and I would appreciate your prompt actions as soon as possible. Again this is a time sensitive problem that needs to be fixed. 

Thank you for your time and attention.
Product: Credit card

I own the Chase XXXX XXXX card and I have been trying to use the Pay Yourself Back option for quite some time. As of today XX/XX/XXXX, I have tried again and I still can not redeem my miles to pay the annual fee in which the period expires on XX/XX/XXXX. I have called countless times to Chase and they have told me that they would escalate the situation but every time I try and call I receive the same result. I am frustrated that I am unable to redeem my miles and angry that Chase is not honoring the features of the product. Instead of using XXXX miles, I will now have to pay the annual fee of {$520.00} which I highly do not want to do. In the 3 month period that Chase has given me, I have not been able to pay with my miles once. My XXXX account, XXXX, is connected to my Chase account, card ending in XXXX. I do not know who else to turn to as others have had similar issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a hard inquiry on my report from factual data. I never authorized a hard credit report ot be run. The only thing I could think of was I inquired about a notice I received about a cash-out refi offer from XXXX. XXXX is my home loan. I called them with some questions but never approved them running a hard inquiry. I only had some questions to discuss the offer. They should not have run a hard inquiry as I had no intention of doing the cash out refi once I learned more about it. If the inquiry is not from XXXX then I do not know who ran this.
Product: Debt collection

Upon reviewing personal credit report, found entries from Trident Asset Management. I had received no information from this company referencing the debt, or letting me know that I owed a debt. Mailed a letter to company at the address listed on the credit report entry, and company has failed to respond or give any information as to the validity of the debt claimed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$1600.00} ; XXXX  XXXX Balance : {$0.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

WELLS FARGO DISPUTE DPT Dispute Number : XXXX Date Posted : XX/XX/year> Merchant Name : XXXX XXXX XXXX Amount of Transaction : {$170.00} Card Number : XXXX I provided, on time, to open this dispute and, on time, to appeal this dispute against this merchant, with the support of WellsFargo, for never received for what i was charged for. WellsFargo refused to take in consideration all the proof provided by me ( both receipts and Merchant email respose ) by saying I was not on time to send them ( the timeframe was gone ) Wrong because I have done that on time so I totally disagree with this dispute outcome which I consider as mistake made by the merchant and also by WellsFargo. I tried to appeal several times without without having adequate support by WellsFargo. WellsFargo did not gave me any notice on time but I provided additional information to appeal right away as soon as I find out about the wrong and false merchant respose.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine. I did not authorize any of these inquiries to be pulled from my credit. I also don't recognize any names on here as well.
Product: Debt collection

I have received a postal communication from " XXXX XXXX XXXX XXXX '' about unpaid student loan recovery on XX/XX/2018. They have threatened to withhold my wage if loan is not paid. I have never taken any student loan. I believe this is a case of identity theft. Please take necessary steps to ensure this does not happen again.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an error on my credit report. Upon reviewing my credit file, I have identified incorrect information that is adversely affecting my credit standing. Specifically, [ describe the inaccurate information, such as an incorrect account, late payment, or balance discrepancy ], which does not accurately reflect my credit history.
Product: Credit card

I come with clean hands and in good faith, UCC 1-308 ) to solve a matter breach in contact, & breach of fudicary duty. Billing Error 12 CFR 1027.13 The creditor Capital one closed my credit card accounts, capital-one wrote me and Demanded me in the letter to stop using my credit cards also stated that I immediately destroy any cards and any checks associated with it, The company closed my cards without full investigation or a clear reason of why the action was taken, Never once mentioned anything about the open end of my credit accounts with their company, I am morally offended about this matter, This has caused me great distress and embarrassment, about this type of action and violation of my privacy and my rights, Capital One failure of acknowledgement, that I am the the true holder in due course of all three contracts with their corporation and holder of the Three Accounts ending in XXXX ) ( XXXX ) account ending in XXXX ) During this recencion, Im claiming all my securities and interest that I unconsciously gave away, which happened when the contract was signed, Capital one failed to tell me about any interest or proceeds that is due to me that they decided to keep. That is Indeed misrepresenting & false advertising without full disclosure of the contract. Yes, I may have gave my consent, but indeed it was a one sided contract & that Is my reason for now reserving my rights. 

willful and knowingly withholding information Title 15 USC 1611 ) At this time I Am reclaiming all proceeds and interest, Also XXXX XXXX dollars each violation, The Law says according, to the Minnesota rule I get XXXX percent and Capitalone would keep XXXX percent, Silence is Acquiescence, Agreement, and Dishonor All debt securities are backed by the full faith and credit of the United States government. ( 31 USC 3123 ) Therefore, before Capital One closes any of my accounts, Send proof capital one loan me any of their own money or extended credit, Provide proof of the following information from your company, Please Provide proof of the Gaap part of the agreement or contract, with full disclosure agreement of each account with full account numbers # 2 proof that we are not under the emergency banking act 1933, Updated in 1994, Trading with the enemy act 1917 Proof of the indentured trustees fiduciary duties of the corporation for the consumers credit and interest of 1939.

I as the consumer expect Capital One To hold their fiduciary Obligation as trustee for my well being, anticipate that all 3 cards mentioned above remain open and are zeroed out while remaining open with extended credit for my use. I also expect that all owed securities interest and dividends are paid to me by check or money order or an account transfer. Please return all tender due. If these terms are not complied with, it's important to note that securities fraud/Trust fraud would constitute a valid cause for legal action in federal courts. Looking forward to a speedy response Thanks in advance.
Product: Student loan

My personal checking account was debited {$86.00} by the department of education via an ACH transfer. I have not authorized this entity to debit from my account. I believe they obtained my bank account information from an old student loan servicer.
Product: Money transfer, virtual currency, or money service

Letter of urgency. 
Please view case # XXXX. 
Bank of of America never responded to me directly or indirectly. No letter or email sent to me.
Product: Debt collection

I am filing a complaint against Pro Collect Inc. ( XXXX ) for unfair debt collection and credit reporting practices in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I disputed a derogatory mark placed on my credit report by Pro Collect Inc. Instead of addressing my dispute properly, they updated the negative mark again, which resulted in a drop in my credit score. Their actions appear to be a form of punishment for disputing the debt, which is unlawful.

Issues with Their Actions : 1. Repeated Negative Reporting After Dispute The derogatory mark was already on my credit report, but after I exercised my right to dispute it, they updated the mark again, lowering my credit score further. This suggests retaliation.

2. Failure to Provide Debt Validation Despite my written request, Pro Collect Inc. has not provided any proper validation of the debt. Under the FDCPA, they are required to verify the debt before continuing collection efforts.

3. Potential Violation of FCRA and FDCPA Updating a derogatory mark in a way that harms my credit score, especially after a dispute, could be considered unfair, deceptive, and unlawful.
Product: Debt collection

On XX/XX/XXXX I spoke with XXXX of XXXX XXXX through their online chat session as this was the only available method of communication made available for cancellation of their service. I received a ticket # of XXXX on. I provided them with my phone # and asked for a return phone call which I never received. I followed up the next day XX/XX/XXXX and communicated via email with XXXX XXXX and requested again to confirm cancellation of this service. Per my contract, I had exceeded the terms and the equipment would then be mine. He forwarded me an email with a link that resulted in a " 404 error '' otherwise known as site does not exist. I recently received a letter from Hillcrest Davidson and associates on XX/XX/XXXX yet was post-dated for XX/XX/XXXX!!! and given 30 days to respond. This is completely inappropriate and fraudulent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX Dear Credit Bureau, This letter is a formal complaint that you are reporting inaccurate personal information. I am confused to see how many different variations of my name, address, employers and even my birth date is being reported. This is highly embarrassing to me and I am reporting to you the correct and legal versions of my personal information i am reporting to you my correct personal information. 
This is my correct personal information : Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The telephone numbers listed are old and no longer belong to me. I have no home phone, please delete these.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third complaint with the CFPB and my 10th+ Dispute Request to Experian to correct my secondary address. My secondary address come up on my report various time and not a single one was correct. I provided the correct address but instead of correcting it, Experian DELETED IT!! I contacted Experian and requested that my address be correct and they refuse to correct it. My secondary address is on XXXX XXXX XXXX. and it needs to be on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Student loan

I applied for Navients school misconduct loan discharge and was denied and given no reason for the denial. I provided all evidence necessary ( over 300 pages ) to prove misconduct by my school and on top of that it has already been proven publicly and my federal loans were discharged for that reason. See XXXXXXXX XXXX XXXXXXXX among several other publications. I deserve a reason for denial of my application and the chance to add whatever evidence they require.
Product: Credit reporting or other personal consumer reports

Equifax is refusing to remove fraudulent inquiries from my personal consumer report. Despite submitting all necessary documents, they have claimed multiple times that the documents were illegible, which is not true. On XX/XX/year>, I received a letter from Equifax stating the documents were illegible, but in the same letter, they mentioned that they had forwarded these same documents to the creditors. This inconsistency suggests that they are mishandling my case, as they are claiming the documents are illegible while also processing them. I have followed all proper procedures, including submitting a police report for identity theft, yet Equifax continues to fail in removing the fraudulent inquiries. This has caused unnecessary delays and distress, and they are not following the requirements under the Fair Credit Reporting Act ( FCRA ) to address these issues in a timely manner. 

I have filed a police report against Equifax and submitted it to the courts for a civil suit. This is in response to their ongoing failure to remove fraudulent inquiries from my consumer report and their mishandling of the documents I submitted. I expect immediate action to resolve these issues and prevent further legal escalation.
Product: Mortgage

Since I have been with Veterans United, I have paid for four appraisals, my main concern are the appraisals done in XXXX. 

( XXXX ) XX/XX/XXXX ( {$540000.00} ), and ( XXXX ) XXXX, XXXX ( {$580000.00} ) On XX/XX/XXXX I paid for another appraisal, it appraised at {$570000.00}, a {$9000.00} difference, XXXX XXXX years later ; I haven't accumulated no equity, how do you lose {$9000.00} in equity in a thriving XXXX XXXX XXXX? 

For two years, I've had concerns with the XXXX appraisals, I shared my concerns with my Loan Officer, and recently with Client Advocate. 

I wanted Underwriting to look at the appraisals I was having issues with, I believe mistakes were made in this process. 

There's a {$150000.00} difference between the 1st appraisal and the appraisal done on XX/XX/XXXX.
Product: Mortgage

I have been requesting monthly statements and an account payment history of our mortgage from PHH, to be mailed to us for over 3 years now with no resolution. My husband and I filed for Chapter XXXX Bankruptcy in XXXX XXXX. Even though our mortgage is not included in our XXXX XXXX payment plan ( we pay on our own ), the PHH representatives that I have spoken with have all told me they can not send us monthly statements because we are " in a bankruptcy ''. I have told everyone that I have spoken with at PHH that I am still a customer that deserves the right to have monthly statements sent to us like any other customer. Even with giving them permission to send monthly statements, they will not. The only written correspondence we receive from them is our annual escrow analysis, which I might add is in a surplus of over {$2000.00} and has been since XX/XX/XXXX. When I first received the escrow analysis notifying us of this surplus back in XX/XX/XXXX, I called PHH to inquire on how this surplus will be released to us. I was informed again that because I am in a Chapter XXXX Bankruptcy they can not release the funds. When I received the escrow analysis in XX/XX/XXXX it again showed a surplus of over {$2000.00}. I called PHH again advising that I am requesting this surplus to be released to us. Again I received the same response from the PHH representative. And the same response again when I received the escrow analysis in XX/XX/XXXX. In addition, every time I speak with a PHH representative, I am told we are behind in our mortgage. I tell them every time I would n't know that I am behind because they have n't sent me a monthly statement in over 3 years!!! Every time I inquire with a PHH rep as to how much we are showing as delinquent, the amount varies drastically. The last rep I spoke with on XXXX/XXXX/XXXX advised me that we are behind over {$5000.00}. I know between XX/XX/XXXX and XX/XX/XXXX we have missed 2, possibly 3 at the most, payments, but it is no where near {$5000.00}! I should mention that I also request a payment history be sent to me every time I speak with a PHH rep as well and even though they all promise me that one will be mailed to me ( I guess they can send payment history even though I am " in a bankruptcy '' ), but they never send it. I have advised PHH that I need written clarification on the actual amount my mortgage is behind and once that amount is validated, I want all of the entire escrow surplus to be applied to that delinquent amount. PHH has advised me that I can not apply our escrow surplus to the delinquency amount because we are " in a bankruptcy ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX I only had XXXX account with XXXX  XXXX which is already being settled. All I can think is my ex wife opening in my name during our predivorce separation. These have already been removed from XXXX 's reports from a dispute around a year ago. XXXX of the XXXX has also been removed from my Trans Union report.
Product: Credit reporting or other personal consumer reports

There is an inquiry on my Equifax and XXXX Credit Report that does not belong to me. I demand the following fraudulent inquiry be deleted from my Equifax credit report immediately. Please remove the following : 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: Debt collection

A debt validation letter was sent to Ability recovery services in mid XX/XX/2018, I in return received a letter from them dated XX/XX/2018 stating that the debt but purchased by XXXX XXXX from original creditor said to be emp of XXXX. Letter received is also a violation of my HIPPAA rights notating hospital visit and procedures done but none proof from original credit. I have never received a letter from XXXX XXXX XXXX stating that they are collecting for said debt in the total of XXXX. Debt is till being reported on my XXXX and XXXX reports unlawfully.