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

After review of my credit reports, I have found numerous inquiries that I did not authorize. Therefore, I have filed a POLICE REPORT. & A report with Identity Theft.com.  These inquiries should be removed from my credit report ( s )XXXX XXXX XXXX XXXX XXXX XXXX Equifax Mortgage, XXXX XXXX XXXX XXXX XXXX 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: Prepaid card

I unloaded the funds from my prepaid visa card to my bank account. They never showed up in my bank account and customer service is refusing to investigate where they went. This is tantamount to theft
Product: Debt collection

My original date of disputing this account with the credit bureaus was XX/XX/XXXX. On XX/XX/XXXX I contacted the debt collection agency named LVNV FUNDING to advised them that the account they are reporting to XXXX is fraud and does not belong to me, and that I am a victim of identity theft, and asked them to stop reporting the fraudulent account to my credit file and to remove it from my credit file or report it as does not belong to me, so that XXXX can delete it. They advised me to send in documentation such as : Police report with the disputing acct number on it and its origination date. Proof of identity. Tax returns showing my address, and a written letter explaining why I was disputing the item. I faxed all supporting documents to them on XX/XX/XXXX. As of XX/XX/XXXX, LVNV FUNDING reported this fraudulent account back to my credit file with XXXX again. They keep reporting that it belongs to me, when in fact they have no proof it belongs to me. This item has been removed off my credit file with two other bureaus. But for some odd reason, LVNV is reporting that is belongs to me with XXXX. I have been disputing this account since XX/XX/XXXX.
Product: Debt collection

I spoke with national credit ajust and explained to them, I made a settlement with the original creditor which is XXXX XXXX XXXX XXXX  and I have the proof. XXXX XXXX and I settled for XXXX. Before we settled it was on my credit but after we settled the credit bureau took it off my account ( when I provided proof of the settlement ) National credit then submitted a collection for the very exact apartments XXXX XXXX XXXX  so now those apartments are back on my record. I have kids and it's not right for them to submit false information, That's considered fraud, and it's going to deprive me of my freedom to live where I want, it's depriving me of 14th amendment Due process. It's not fair I make the settlement with the original creditor, which I have the bank charge proof, the document from XXXX XXXX of our settlement and documents from them confirming what I owed and it gets taken off my record and then national credit duplicates the collection on the XXXX XXXX The date I made the settlement with the original creditor for XXXX XXXX was XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX  is when national credit put the same apartments back on my record requesting collection
Product: Mortgage

Subject : Urgent Complaint - Incorrect Payment Allocation by ServiceMac To Whom It May Concern, I am writing to file a formal complaint against ServiceMac regarding an erroneous payment allocation issue that has happened on XX/XX/year> and has caused financial inconvenience and requires immediate resolution. 

I recently purchased a new construction condo unit within a community consisting of XXXX units. The community has a master parcel for tax purposes, and each unit is responsible for reimbursing their portion of the quarterly tax bill. For the 2024 XXXX real estate tax, the total bill for all units in the community was {$9900.00}, and my specific portion amounted to {$210.00}. 

Unfortunately, there has been a significant error in the payment allocation process by ServiceMac, my mortgage company. Instead of deducting the correct amount related to my unit 's tax responsibility, they erroneously paid the entire {$9900.00} from my escrow account, which pertains to the master parcel and not my individual unit. 

I have made numerous attempts to contact ServiceMac to rectify this error, but unfortunately, their response has been unsatisfactory, and I am yet to receive a resolution. This situation has caused undue financial strain as the incorrect payment has not been refunded to my account. 

Despite multiple attempts to contact ServiceMac, there has been no meaningful action on their part. Their response has been inadequate, and they insist that it was not their fault. Furthermore, they have indicated that the resolution process may take up to three months after a thorough review and verification, a timeline that is wholly unacceptable given the urgency and nature of the issue. 

I request your intervention in addressing this matter promptly. I am seeking the following resolutions : 1. Immediate refund of the overpaid amount of {$9900.00} to my escrow account.

2. Clarification and correction of the payment allocation process to ensure such errors do not occur in the future.

3. Compensation for any associated fees or charges incurred due to this error. 

I believe that the Consumer Financial Protection Bureau ( CFPB ) is the appropriate authority to investigate and resolve this matter. I am formally filing a complaint and seek your assistance in facilitating a swift and fair resolution to this issue. 

Thank you for your prompt attention to this matter. 

Sincerely,
Product: Debt collection

XXXX ( formally account with XXXX XXXX ) is claiming that I did not return a modem from 5 years ago. This is an error in their system -- they believe the error was caused because I moved their modem to a new address and terminated and returned the modem from the second address. However, they will not remove the item from my credit report.

In the past five years, they never contracted me to inquire about the modem. They added a charge of {$59.00} to my credit report five years later.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX BANK XXXX XXXX  XXXX XXXX BANK OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-******************* XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XXXX, XXXX, XXXX, I received a notice from XXXX, claiming they were considering a lawsuit against me, in regard to an alleged account with " Synchrony Bank/Lowes ''. I contacted XXXX, via Certified USPS, on XX/XX/XXXX, to dispute the validity, and alleged balance within 30 days, I also asked they not contact me during this period. Then I received a " second notice '', from XXXX, dated XX/XX/XXXX, during that 30 day period. I contacted XXXX again by Certified USPS on XX/XX/XXXX, to demand a response to my request. I never received one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've contacted the companies who have pulled my Credit fraudulently without my consent or authorization in an attempt to get credit and use it without my permission. The companies state someone provided my Information to contact the credit bureaus. I have gone ahead and added a fraud alert to protect my information since then.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information Equifax Consumer Report Dear Equifax, I am writing to dispute inaccuracies, late payments, and unauthorized inquiries appearing on my Equifax consumer report. I believe these discrepancies may result from reporting errors or unauthorized access to my personal information, potentially linked to the recent national data breach affecting credit-related institutions. I request a thorough investigation into these matters and immediate corrective action. 

Disputed Accounts and Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I have the right to dispute any inaccurate or unverifiable information on my report.

Furthermore, under 15 U.S.C. 1681e ( b ), Equifax has an obligation to ensure the maximum possible accuracy of information reported. Late payments that can not be verified as accurate or authorized must be deleted from my file.

Attached is my attached Equifax consumer report.

Thank you for your attention to this urgent matter. I request written confirmation upon completion of your investigation and corrective actions. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Showing the wrong DOB and address on my credit report
Product: Debt collection

CRA/HIPPA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNTS DUE TO ID THEFT APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Product: Credit reporting or other personal consumer reports

iam a victim of identity theft and i disputed my accounts and requested contracts from them and signatures and no response from them and they removed them and i have XXXX accounts that were back without even contacting me or sending me a notice or anything like it doesn't even concern me and this is violating my rights as of 15 U.S Code 1692g violations of debts in accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 SECTION 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which have dates the reports by more than seven years.15 U.S.C.1681s-2 ( a ) ( 1 ) A PERSON SHALL NOT FURNISH ANY Of the information RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON knows or has reasonable cause to believe that the information in inaccurate and these are the accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and these inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am buying a home and Equifax will not release my credit report to XXXX XXXX. I have been over a month trying to get it released. My first call they told me there was a freeze so I had it lifted. Then XXXXXXXX XXXX still couldnt pull it. Then Equifax told me there was a fraud hold and I had to send my ID and social security card and then that still didnt fix it. I have called their automated system 3 more times. XXXX XXXX still couldnt pull it. Then I called today and asked to speak to an American agent and they told me that couldnt happen. I told that person my issues anyway and they told me its because I have disputes and I told them that was not it cause other two bureaus released my report that was needed. Then I told them what message the XXXX XXXX was getting when they pulled it. Equifax said no, there isnt a hold they can pull it now. I said no they just did it today and they cant. Then the guy said oh its cause of disputes you have. I then asked to speak to a supervisor and he replied my supervisor will tell you the same thing. I said please a supervisor. He transferred me and the supervisor did not help me. He said no theyre arent holds. I explained that there is and please release my information so I can buy a home and not end up homeless soon. I am on time restraints and Equifax has held me up for over a month. He then said the XXXX XXXX  should put my middle initial in and try that. Then as I was asking him a question he just hung up and pushed me over to a survey. I was on the phone with them for almost an hour and got zero real help or real answers. They were making up excuses I feel like. Please help me!!!
Product: Debt collection

the collection agency has engaged in false and misleading practices, violating FDCPA807 and providing misleading forms, violating FDCPD812.
Product: Credit reporting or other personal consumer reports

If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

WAS PAID BY INSURANCE COMPANY PROVEN REMOVED ONCE AND PLACE BACK ON MY ACCOUNT REQUEST DOCUMENTS 30 DAYS AGO TO PROVE THAT ACCOUNT WAS MINE CLAIM HAPA LAWS WILL NOT ALLOW DEMAND THEY REMOVE IMMODERATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. I have included their internal file number. My name, ssn, & address has not changed. TransUnion has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report TransUnion XXXX ACCOUNTS XXXX XXXX not mine DPT ED/XXXX   XXXX not mine DPT ED/XXXX XXXX not mine XXXX XXXX never late COLLECTIONS US DEPT ED XXXX not mine US DEPT ED XXXX not mine
Product: Debt collection

My data was exposed with recent leaks under 15 U.S.C. 1681 FCRA and right to privacy I would like all negative accounts removed from my credit reports from experian, XXXX XXXX, and XXXX. I have been reaching out to all debt agencys and credit agencies involved with no resolution.
Product: Credit card or prepaid card

Dear Officer, My name is XXXX XXXX. I want to dispute an unreasonable late payment delinquency record related to my PNC credit card. My credit score drop over 100 due to a late payment of {$81.00} in my PNC credit card on XX/XX/XXXX. But the fact is that I didn't receive the card neither activate it after I applied it. No one contacted me about I need to pay for it during XX/XX/XXXX to XX/XX/XXXX, and their customer service didn't help me to resend the card when I called them. When they finally sent me a email, the content is " you credit card payment is already past due for 34 days '', and PNC Bank reported this late payment as delinquency without any notice in anticipation and failed to help me when I contacted them to get my card and access to my account. I never used this card, the late payment is because they transfer my credit card usage on my XXXX credit card to this PNC credit card. But I didn't get any notice about this action neither through call nor email. During XX/XX/XXXX to XX/XX/XXXX, I called and emailed PNC customer service so many times asking them to resend me the card, they couldn't help because I don't know the card number or account number. They told me they couldn't find anything under my name. I also emailed the agent, XXXX XXXX, who assisted me with my PNC credit card application in PNC branch XXXX, NC. She said she had not worked there and couldn't help with that. Now I've not lived in XXXX, NC and moved to XXXX XXXX, CA from XX/XX/XXXX. When I saw the past due email this morning, I called them right away and pay on phone {$1000.00} dollars for it. It's unreasonable that my credit score get a such huge negative impact for an unknown payment. I'm looking forward to getting rid of this late payment from my credit record successfully. Hope anyone of your association can help me. Thank you so much!
Product: Debt collection

I'm being sued in XXXX superior court no. XXXX XXXX XXXX @ XXXX I reported identity fraud and disputed it several times
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact Experian to dispute a XXXX XXXXXXXX XXXX FL XXXX XXXX reference number XXXX and sent them proof that validation is incorrect for the following reasons XXXX Court address is wrong XXXX I contact the court and there response was they do not report any records or information to the credit reporting agencies. 

and they do not want to remove this item from my report and they still saying that was verified as accurate when is more that clear that the court address is wrong and I got a response letter from the correct court
Product: Credit card or prepaid card

In XX/XX/XXXX I lost my job when the position ended due to covid downturn. I informed Capital One that I was out of work due to Covid and that I was unable to make payments until I successfully regained employment. I was unable to gain employment until XX/XX/XXXX. In XX/XX/XXXX they put a permanent restriction on my card and terminated my charging privileges. I have had this credit account for over 20 years. In XXXX I made payment arrangements however in XX/XX/XXXX XXXX XXXX XXXXXXXX and was terminated from my employment for being out of work to long. I was not informed when I made the payment arrangements that the restriction would not be removed if I kept up with the payments on the account. I just successfully regained employment and attempted to make arrangements to pay it off in full and have the card restored and they are unwilling to work with me after 20 years of being a customer and having informed them at ever step about the covid situation. I cant understand what the point of having XXXX  options are if they are not going to work with customers that are impacted. Now they have completely destroyed my credit reporting it negatively each month and now I would have to reapply for a card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital  one {$10000.00}
Product: Money transfer, virtual currency, or money service

A company called Albert sent me a debit card. I did not ask for the debit card, nor did I open an account with a company called Albert. 
My name is printed on the card. Also printed on the card is an account number. I have no knowledge of the account number, do not recognize the account number, and as already stated, have no knowledge of ca company called Albert. 
Printed in extraordinarily tiny print on the back of card is the following " Issued by XXXX Bank pursuant to a license by XXXX XXXX. '' I have no knowledge of a bank called XXXX Bank, nor have I ever opened or even applied to open an account with XXXX Bank. 

I sent an e-mail to Albert stating that is sent me an " unwanted '' XXXX and asked that it immediately close the account. Albert responded a few hours later that it would close the account. I also asked the following questions. 

1. What date was the account opened? 
2. How was account was opened? Did the identity thief affirmatively contact Albert or did Albert contact the individual who used my identity to open the account?

3. Does Albert have a social security number associated with my name and address?

4. What policies and procedures does Albert have in place to protect and permanently delete private information about me that it may have acquired from the identity thief?

Albert responded that I must file a police report, complete the FTC 's Fraud affidavit, and send a copy of my photo ID. 

Before I give Albert any information like a copy of my photo ID, I need to know that Albert is not a scam.
Product: Credit card or prepaid card

On XX/XX/XXXX I reported unauthorized charge from XXXX for XXXX to Capital one I explained to them that the pending charge was not mine. They informed me that they would be closing the card and reissued a new one. The next day they report my balance to the credit bureau with the included fraudulent charge amount. My statement balance had already been reported to the credit bureaus XX/XX/XXXX in less then seven days they reported my balance again resulting in a decrease in my credit score of XXXX points. On XX/XX/2022 they reported the balance again and dropped my score for a second time. I called to complain but received the run around from there employees. Then when I asked to speak to a manager I got hung up on.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate entry on my credit report. According to my credit report, XXXX XXXX has listed certain accounts as charged off. However, I have concrete documentation proving that these loans are not in default, and this claim is false. This misinformation has caused undue harm to my credit score and is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Ohio state laws. 

Details of the Disputed Accounts : Creditor : XXXX XXXX Account Number ( s ) : n/a Reported Status : Charged Off Under the FCRA ( 15 U.S.C. 1681 ), credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. Reporting an account as charged off when it has not defaulted constitutes false reporting, which is prohibited under this law. Moreover, Ohios consumer protection laws also mandate that creditors and credit bureaus must report information fairly and accurately, per Ohio Revised Code Section 1345.02, which prohibits unfair and deceptive practices. 

Additionally, in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ), the courts reinforced the obligation of credit reporting agencies to conduct reasonable investigations when a consumer disputes the accuracy of information. Reporting a charge-off inaccurately violates this precedent and further illustrates a failure to uphold proper investigative standards. 

To support my dispute, I have attached the following documents : 1. A copy of my credit report highlighting the inaccurate entry. 
2. Documentation proving that my XXXX XXXX loans are not in default. 
3. [ Any additional evidence, such as account statements or correspondence with XXXX XXXX. ] I request that [ Credit Bureau Name ] investigate this matter promptly and delete the inaccurate charge-off entries from my credit report. Failure to address and correct this issue may leave me no choice but to seek legal remedies under the FCRA and Ohio consumer protection laws. 

I appreciate your attention to this matter and expect a written response within 30 days, as required by the FCRA. 

Thank you for your time and cooperation. 

Sincerely, XXXX XXXX