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

I tried at least 9 times to call talk to Transunion about my acct. I have new credit cards and have paid on my accounts on time. My credit scores have stayed at XXXX for the last XXXX months. Every time I call Transuion or go on line they always says there is a problem. I cant get everything done with them. I know checking all the others ones also. I have been denied Credit at my bank and my bank has been working with me trying to get my scores up and to no avail my scores sits at XXXX. Theres a problem and I want it fixed.
Product: Checking or savings account

Someone keeps trying to open a account in my name.Fraud.Chase.
Product: Credit reporting or other personal consumer reports

I have spoken with the below mention companies advising that i'm not the account holder and not open the account. The Illinois police report number ( XXXX ) was completed regarding this matter and the items have not been removed from my consumer report. 

XXXXAffirm - {$1800.00} and another account {$790.00} XXXX- {$3700.00}
Product: Debt collection

They are trying to collect for unpaid cable service from a address I never lived at
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 bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

During the process of refinancing my home to go to a 15 year mortgage with bank of America, the appraiser they hired lied, and wrote my house up as being less sq footage, with less bathrooms and less bedrooms then it actually is. Therefore making the house worth way less, giving me a higher interest rate and keeping my pmi. They also used houses to compare my house too, that are in much worse areas and much smaller. My appraisal was a complete scam and when I called them out about it, I did n't hear back from them for four days. I was charged {$540.00} for the appraisal.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was included in bankruptcy, and should be removed. The information reporting on my credit is inaccurate including amount due and the date of last payment.
Product: Credit card or prepaid card

Well fargo bank gave out 3 credits cards after fraud was reported on my accounts with the cards blacked and several password protections put in place. I have requested my cards be blocked from use after fraud was found on one of my cards. I also added a password to the account and requested no credit cards be mailed. They then mailed out a card to the original perpetrator. I then again reported the fraud and and again placed blocks on both credit cards. I also filed a complaint. They then mailed out a card to the perpetrator again. I went to my local bank reported the fraud and asked them to make sure no card were mailed out and blocks on both cards. Again they mailed out a card to the perpetrator. I filed complaints with XXXX XXXX XXXX  and again with wells fargo. I have several cases with them. My problem is the damage this has taken on my credit score. My score has dropped significantly. I had done everything i could think of to prevent access to my accounts but they just kept mailing out cards. If i close the accounts it will impact my credit score. My executive Case # is XXXX the contact is XXXX XXXX ( XXXX ) XXXX Ext XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX , XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A section 2 : It also states a consumer reporting agency can't furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, just to reinforce- The credit bureaus are by law according to the FCRA and the FDCPA, to report information about the consumers ( us ) credit report with full accuracy. 

Just recently, Transunion found the XXXX XXXX account to be inaccurate and since has removed the account from my credit file because they found it to be false and fraudulent as well. 
All of the documentation that was sent XXXX and XXXX as well as Transunion and Transunion is the only company to remove the filing. Still waiting on XXXX and XXXX to remove that filing s well. The balance and the last reported date is wrong. 
Immediately Remove. 
In addition, XXXX also is inaccurate and I'm still waiting for them to be removed by XXXX, XXXX and Transunion. How can there by different dates for the last date of activity and the difference is about a year. 
Immediately Remove. 
Also, XXXX and Transunion need to remove XXXX for my credit profile. I want to see the original Note with my wet ink signature on it. Proving the validity of the account. 
Immediately remove.
Product: Checking or savings account

On XX/XX/2020 I mistakenly purchased a wig from a XXXX Hair site called XXXX XXXX. For the amount of {$33.00}. I tried emailing this I believe fake or incompetent retailer for a full refund on this product literally a few minutes after I made the purchase. I tried a few times after contacting the retailer but NO response. I contacted / filed a claim with my financial institution Bank of America in regards to this on several different occasions. So last week or so I received in the mail some long matted wig that I never ordered. A bait and switch and steal peoples monies type of operation this hair site I believe is. All I want is my REFUND in which Bank of America denied me. Ive been a customer of this bank over 25 yrs! WOW. Please help me get my REFUND. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a verification letter to the company certified I have receipts showing the debt company received the letter It has been over 30 days and I have not received a response with proof or verification I owe this debt. 
This company is still reporting in error to the 3 credit agencies
Product: Credit reporting or other personal consumer reports

It is my belief that CRA 's are reporting inaccurate information on my report. I have never given any " Agency '' authorization to report anything on MY behalf. Per 15 USC 1681b Credit agencies must have authorization to report anything on my report. Please send me the authorization that I signed off on to say that you can report on my behalf. Please send me EACH authorization for XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. Stating that I gave you written authorization to report on my behalf. Please DO NOT send me an automated generated letter or just a plain copy of my credit report. These are stall tactics and I will not accept them. Legally if you can not produce this evidence that I am asking these things need to be removed from my report within 4 days.
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 on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I have attached my FTC report and my Police report that I have filed on mylocal police department that would testify that I am a victim of Identity Theft. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$64000.00}, XXXX XXXX Date Opened XX/XX/XXXX Balance {$20000.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$130000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

The issue is my previous homeowners insurance company XXXX XXXX is trying to collect for continuing insurance after they issued a letter of cancellation to my mortgage lender and myself. My homeowners insurance is payed through escrow or by my mortgage company. My coverage is annual and was renewed XXXX XXXX to XX/XX/year> for XXXX XXXX as my insurer. When XXXXXXXX XXXX sent a letter to cancel my policy on XX/XX/year>, they said it was for failing to provide underwriting information to them. I was sent a form to fill out and returned it back to them, however, they were not happy that it was late. In the cancellation letter XXXX XXXX said they would extend my coverage an additional month for some reason but since I received the cancellation two weeks before the annual renewal I decided to renew insurance for another year with another carrier at the date when annual renewal happens on XX/XX/XXXX each year. I called XXXXXXXX XXXX and they had also received the cancellation notice so I picked coverage through XXXX XXXX  for another year with XXXX insurance. My insurance is paid through escrow and not by me directly. When XXXX XXXX issued a cancellation to my mortgage company for homeowners insurance and then was not paid for another year of coverage from XXXX XXXX it is in the course of what XXXX XXXX ordered. XXXX XXXX then sends another cancellation notice on XX/XX/year> for non payment of annual renewal of homeowners insurance. Again, my payment is made through my mortgage company. XXXX XXXX sent XXXX XXXX a notice of homeowners cancellation on XX/XX/year> but does not seem concerned that the payment they think they are owed for renewal in XXXX or XXXX is not payed out by XXXX XXXX and they come after me in XXXX for coverage I never paid for or asked for and demand payment for it. You can't cancel a customers policy and not be paid for annual renewal out of escrow, but somehow say you decided to give that same customer another year of coverage. They did not give renewal of insurance, they were not paid for renewal of coverage, they can't come to me for payment of another year of coverage, again, not paid by me but by my mortgage company.. Where the XXXX is my mortgage company in all of this.. This whole thing is insane. I am willing to bet that if I filed a claim to XXXX XXXX after not paying for the unwanted coverage they would say you don't get relief because you failed to pay your new premium. They want it both ways... pay for cancelled insurance and since you have " supposed '' coverage because we say you do, it will not pay out because you didn't actually pay for another year of coverage.
Product: Vehicle loan or lease

XX/XX/19- I have had 2 calls back to back within 2 minutes from the same company about finishing paying for my car. The first call got ignored and second I answered. I also got a voicemail from the first call about collecting the rest of the note. I answered the 2nd call and told them I just got a call from them and listened to the voicemail and also told them they were harassing me. I get calls every week which I'm ok with but same day and within a matter of minutes was not ok. I told them I am paying it soon. I have talked to the manager before letting them know of my situation and she said she noted it several times. The company is United acceptance.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian regarding their handling of my consumer/credit report, which I believe to be in violation of federal laws passed by Congress, including Title 15, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

Since XXXX of 2024, I have been corresponding with Experian regarding identity theft and fraud on my consumer report, stemming from a data leak at XXXX that compromised my private information. Despite numerous communications, Experian has failed to address my concerns and continues to report inaccurate information on my consumer report.

I have repeatedly informed Experian that it is unlawful for anyone to possess my private information ( such as name, address, SSN ) without my consent or authorization. Despite providing evidence, including correspondence from creditors acknowledging fraudulent accounts opened in my name, Experian has refused to remove or block these fraudulent entries from my report.

Furthermore, Experian has disregarded my requests to adhere to federal laws enacted by Congress, which mandate accurate and truthful reporting on consumer reports.

I have taken the necessary steps to protect myself, including filing a report of fraud and identity theft with the Federal Trade Commission ( FTC ) ( Report # XXXX ) and providing Experian with current identification and supporting documents to verify my correct information. However, Experian has failed to assist me in rectifying the situation and continues to ignore my demands for accurate reporting.

I am seeking the assistance of the Consumer Financial Protection Bureau to protect my rights and ensure that Experian complies with federal laws governing consumer reporting. I request that the CFPB investigate this matter thoroughly and take appropriate action to compel Experian to remove fraudulent entries from my consumer report and report accurate, honest, and truthful information.

The accounts in question that I demand removal/block/deletion from my consumer/surety/credit report are as followed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and lastly XXXX XXXX XXXX XXXX XXXX Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, [ XXXX XXXX ] Beneficiary., All rights reserved w/o recourse.

15 U.S. Code 1681b, 15 U.S. Code 1681c, 15 U.S. Code 1681c1, 15 U.S. Code 1681c2, 15 U.S. Code 1681e, 15 U.S. Code 1681i, 15 U.S. Code 1681n, 15 U.S. Code 1611, 15 U.S. Code 1681s, 15 U.S. Code 1692, 15 U.S. Code 1692e, 15 usc 1666.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX  days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration concerning the multiple unsuccessful attempts to remove fraudulent items from my credit report. I believe that these inaccuracies are adversely affecting my creditworthiness, and despite persistent efforts on my part, the resolution of this matter remains elusive. 
I submitted formal disputes through your online dispute resolution platform, providing comprehensive details and supporting documentation to substantiate my claim for the removal of fraudulent items. Unfortunately, these submissions have not resulted in the desired corrections, and the fraudulent information persists on my credit report. 

The existence of these fraudulent items has had a severe impact on my ability to access credit, secure favorable interest rates, and engage in essential financial transactions. I have diligently followed the prescribed procedures, including contacting your customer service department on multiple occasions, yet the promised resolution has not materialized. 

I understand the importance of accurate credit reporting in maintaining the integrity of the financial system, and I am committed to resolving this matter promptly. However, the repeated failures to address my concerns have caused significant distress and hindered my financial well-being. 

In light of the above, I am requesting an immediate and thorough review of my case. I expect a comprehensive investigation into the fraudulent items on my credit report and the swift removal of any inaccuracies found. Furthermore, I request regular updates on the progress of this matter and a clear timeline for resolution. 

If decisive steps are not taken promptly to correct this situation, I will be compelled to escalate this complaint to regulatory authorities and explore legal avenues to uphold my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$340.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance Owed : {$340.00} XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Mortgage

FEIN SUCH & CRANE proceeded with a foreclosure despite many errors in proceeding and entered judgement while modification was being processed which resulted in 2 cases of Dual Tracking
Product: Credit card or prepaid card

In XX/XX/2019, I was considering hiring XXXX for our wedding but after receiving threats and horrible customer service, I wrote a XXXX review exercising my right of freedom of speech as a citizen of the United States. XXXX then threatened to cancel my contract, although in the contract it stated both parties, me ( the consumer ) and the company had to agree to cancellation, instead they forged a false signature that is not mine and threatened me with a NDA for exercising freedom of speech. Moreover, this company has done this to many couples and clients ; just go look at the reviews they havent had deleted. I was using my chase credit until the company cancelled my contract, and although I explained this all to chase, chase still added the fraudulent charges to my credit. Additionally, chase never listened to my plea regarding XXXX fraudulent tactics and instead reported charges for a service we never received but was charged for. I was never asked to see my real authentic signature, nor can a citizen be punished for writing a XXXX review. XXXX has provided false documentation and I refuse to pay for something I did not sign or agree to. A contract must have an offer and acceptance. XXXX committed Fraud ( namely false representation of facts ) and Chase did not authentically investigate, they only accepted an old contract that was not my signature. JPMorgan Chase is trying to make it harder for its credit card customers to sue the bank in court because of their scamming tactics, but my lawyer and I will fight this until fair business is done. Nevertheless, the XXXX party was coercing and threatening me to sign the new agreement. After I wrote several complaints, XXXX  offered to reinstate my contract and wrote a new signature is not needed, but I never agreed or signed the new contract they tried to force upon my husband and I. I did not sign any revised contract. My own signature is not on the contract. Additionally, to Chase, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding this item that is listed on my consumer report. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I sent a dispute for the following accounts appearing on my credit with multiple inconsistent information across all 3 Credit reporting agencies XXXX XXXX XXXX XXXX XXXX XXXX  2 XXXX XXXX on XX/XX/20 they response with a procedure of Dispute and nothing else On XX/XX/20 I also sent a Dispute for XXXX  XXXX Late payments being reported with inaccuracies all over the payment history XXXX I sent yet another letter asking them to verify the information and provide actual proof of the information that have been provided to confirm the accuracy in their reporting XXXX I opened an account online to see if they even have a dispute open and to my surprise they have nothing. 

This is a complete violation of my rights to dispute information. I also included in my disputes a copy of my driver license, social security and copy of my bill so I don't understand how this can be over looked. 

I have also attached the copy of the certified copy of the receipt that they received it as well
Product: Mortgage

I recently sold my home in New Jersey. I had a home equity line of credit with Specialized Loans Services, LLC which was frozen since XX/XX/XXXX. At closing, SLS requested the payoff amount and an escrow amount which they received. I asked by phone for a refund of the escrow amount and was told to make the request in writing. I requested the refund in writing following their instructions which included sending a copy of my driver license, my new address, and a statement requesting the refund. To date, no refund. Closing on the sale was XX/XX/XXXX. Account number with SLS is XXXX. My numerous phone calls to SLS resulted in redirection to other areas or phone numbers within the company. Kindly assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

i contacted the credit bureaus by mail and ask for proof that these items in question was mine they said they had no proof in my file that these items where mine but they refuse to remove them from my credit report I know this to be illegal according to FCRA laws under FCRA law 609 I have the right to ask for these documents to be sent to me by mail and I did they sent no documents to me so by FCRA law these items have to be removed from my credit report ASAP