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

AS OF XX/XX/2023 I have noticed XXXX XXXX  CREDIT CARD AMOUNT OWED XXXX $ Acct # XXXX fraudulent accounts on my credit report and consumers report The names and address and on my XXXX Bureaus are incorrect On these grounds is reason to remove fraudulent accounts permanently now IT HAS BEEN MONTHS NO RESPONSE RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Mortgage

As of today, XX/XX/XXXX, Carrington Mortgage has STILL not provided any information about my loan, despite acquiring it in XX/XX/XXXX. I have STILL not received a XXXX as required by FEDERAL LAW. I have no idea why they continue to add late fees to the account because they REFUSE to send monthly statements. I have recently provided them with proof of insurance, but have been told that they will continue with the forced coverage placed on the property.
Product: Mortgage

Greetings, On XXXX, l requested a modification, due to being effected financially by regards to XXXX, and attempting to return from forbearance with balance {$94000.00}. I was approved for a trial payment starting XXXX, 2021, over {$4200.00} dollars .... l called loancare customer service requesting a lower payment because of my current issues : taxes, home renovation, medical issues, absconding tenant and pending lawsuits... The customer service REP. Suggested that l request, my Right to Appeal, that they should be open minded because of Pandemic, possibly to : extension of term, placing outstanding balance at end of loan, or lowering interest rate. I exercised my right to appeal and submitted the proper paperwork before XXXX, however never received notification regarding process/ruling until l called for update. I was then told ( disingenuously ) l missed my trial period, my Appeal was forwarded to XXXX XXXX and denied further, if l wanted help at this point submit all modification paperwork all over again.. l requested why wasnt l notified of Appeal procedure/deadline, and can l attempt to make prior trial payment, the response was, NO. It was too late nothing she could do and laughed... .l am now expected to make the full payment they even charged me late charges during this forbearance period NYS Foreclosure/Forebarence Moratorium ends XXXX. So, on XXXX, l submitted another modification package as instructed. Two modifications and one Letter of Appeal, cant believe this treatment its horrible... There are three different companies involved : LoancareXXXX . What kind of treatment to clients is this during this Pandemic... .l have a long term relationship with this home and plan on continuing .....
Product: Credit reporting, credit repair services, or other personal consumer reports

I wish to file a formal complaint against Experian for their repeated violation of my consumer rights. Despite my numerous attempts to rectify the situation in XXXX, XXXX, & XXXX Ive also made several complaints with the CFPB as well, Experian has failed to perform a proper investigation and reinvestigation, leaving me with incorrect and damaging information on my credit report. I have previously lodged complaints with Experian, providing them with all the necessary documentation and evidence to support my claims. However, their lack of diligence in conducting a thorough investigation is plain to see from the continued presence of inaccurate information on my credit report. I have no choice but to pursue legal action against Experian for their improper handling of my credit report. I am giving Experian a final opportunity to rectify this situation promptly and effectively. I am left with no choice but to pursue legal action against Experian for the significant damage caused by this negligence. This communication serves as my final attempt to resolve this matter before initiating a lawsuit. I demand immediate action to rectify the inaccuracies on my credit report and restore my rightful credit standing.They have a strict deadline of 14 days from the receipt of this complaint to respond with a satisfactory resolution. Failure to do so will leave me with no option but to seek the appropriate legal remedies available to me. I kindly request the Consumer Financial Protection Bureau to promptly address and investigate my complaint against Experian. Attached are copies of disputes and evidence submitted to Experian, in addition to documentation that confirms their persistent failure to comply with the FCRA. 

Thank you for your immediate attention to this matter. I eagerly await your response and resolution within the given timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Disputed this Negative XXXX XXXX account # XXXX   Six times with TransUnion. TransUnion Did Not do a proper investigation on the item I disputed. THIS IS NOT MY ITEM! THIS IS NOT MY ITEM! I Am Demanding a Copy of the Original Signed Contract and a Proper and Internal Investigation get done. ( Per FCRA just because TransUnion have the name and date of birth Doesn't MEAN IT'S MY ITEM ) I AM DEMANDING A COPY OF THE WRITTEN SIGN CONTRACT WITH MY SIGNATURE ON IT. If TransUnion would have did a Proper Investigation this would Not be on my Credit Report. I Have submitted a complaint with the attorney general also! Please remove this Negative account thanks.
Product: Money transfer, virtual currency, or money service

PayPal and XXXX XXXX are illegally holding on to our former client XXXX XXXX paid and duly earned retainer fee of {$5000.00}. First this former client claimed she paid twice, which was proven to be a lie. Then she claimed she never received legal services, even though we provided a signed retainer contract plus a detailed itemized billing statement showing she did in fact receive legal services. PayPal and XXXX XXXX should not be allowed to replace the courts or judiciary but should only make sure that the client signed the contract and received the services. Please investigate and advise. 

Big Tech Payment Systems Are Slowly Replacing The XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you today to once again dispute the accounts that appear on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent accounts were opened in my name without my knowledge. I already forwarded the required FTC report to the banks and they have acknowledged that these accounts were fraudulent and have removed them. However, I have noticed that your bureau has continued to report these accounts, even though the other credit bureaus have already removed them. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove these fraudulent accounts, you are not complying with the law and are putting me at risk of further harm. 

XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX, Chapter XXXX Bankruptcy Reference # : XXXX, XXXX  XXXX
Product: Credit reporting or other personal consumer reports

When I checked my credit report today, I was completely taken aback to find accounts I dont recognize on there. Ive been diligent in monitoring my credit, and this is the first time Ive encountered anything like this. I tried to refresh the page, thinking maybe it was a mistake, but the discrepancies remained. This has left me frustrated, and Im requesting that my documents be thoroughly reviewed so I can avoid any future anxieties over this.
Product: Consumer Loan

XX/XX/2016 To Whom It May Concern : Please note that in XX/XX/2016, I called Fortiva Personal Loans and requested that my due date be changed from the end of the month to the XXXX. I got an acknowledgment that it was done, yet they have been harassing me and also reported me delinquent on my credit report based on the original due date. I have tried to contact them a few times but there always seems to be a language barrier. I am requesting that my due date be honored for the XXXX of the month and that my credit reports are corrected. Please see attached documentation that indicates that they are inaccurate for the due dates. 

Thank you, XXXX CC : XXXX FTC Attorney General of XXXX
Product: Checking or savings account

My business account that I sent up through Chase had been erroneously restricted since XXXX XXXX XXXX. I have been blocked from using the account and can not withdraw my funds due to the restrictions. 

When I tried to fix my account I got the run around. The customer service can't fix my account, the branch couldn't fix my account and Compliance couldn't fix my account. It is now XX/XX/XXXX and I can not gain access to my funds.
Product: Credit reporting or other personal consumer reports

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an ID theft report. Please find the required documents to assist in the blocking of the erroneous information that is being posted to my report. 
XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX XXXX  XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX XXXX : {$2500.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$2500.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Checking or savings account

Had to cancel my debit card with Capital One due to suspicious activity and possible fraud. Filed a fraud claim which came back with resolution that has been verified and solved before even recieving my replacement debit card has even arrived!!! Capital One Banking App states and shows under there " Debit Card Tracker '' feature that my replacement debit card was shipped XXXX XXXX. And would arrive XXXX. Now it has already been 6 days since I've been able to access my checking account or any the money that is in it minus it's bill pay functionality. Called capital one XXXX XXXX number provided within the apps help feature and talked to male representative @ XXXX and spoke to him regarding why I had not received my replacement debit card by XXXX like it stated I was in my account. The male representative told me that the information which is in my account was wrong and providing me misinformation. I then asked him to provide me with the USPS tracking number I would track it myself using my USPS Informed Delivery account. He told me that there is no tracking number he was able to provide. 
Okay ... .. 

If Capital One can not provide a tracking number then they should not provide false tracking estimations and should not completely 100 % knowingly provide misinformation to Any of its customers period!!!! 

Lying Know Your Lying Consequences will be had ... only matter of when ... its called Karma!!!
Product: Mortgage

I refinanced my condo in order to remove it from a VA loan because I was purchasing another home using VA. The loan XXXXfficer submitted the paperwork as a primary home although I brought it to his attention on a couple occasions and his reply was that it would be fine to refinance it that way. He also indicated that at the time he has four homes financed this way and it would not be a problem for me. Well .... When I went to purchase the new home, it was problem. I now had to refinance the condo again in less than a month and this time pay out all of the closing costs out of pocket. To include I had to produce the fact that I had over XXXX in the bank to secure both properties. I have reached out the loan officer and his boss several times asking for Errors and Omissions XXXX & XXXX XXXX information so that I can file a claim to be reimbursed for this mistake. To date I have not received this information nor a call from either of them that let 's know what is happening with this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy thats reporting to the 3 credit report agencys that XXXX is giving them false information on my report and I told them that this a fraud
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b and a serious breach of my privacy rights.

Please validate this information with these. Companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Mortgage

The problem is trying to get my PMI insurance removed from my loan payment. My loan is currently controlled by PNC Bank. My loan has reached 78 % of the appraisal value of my home and PNC Bank wants me to have the property appraised again by their appraiser from XXXX XXXX, in which PNC owns. Not to mention this sounds unethical, but according to document : Notice Concerning Private Mortgage Insurance-Fixed Rate Mortgages, that is in my loan packet it states the original appraisal value of the home at the time of the loan consummation shall be used to determine when PMI will be removed from the loan. They also stated in the first two conversations that my PMI would not be removed until XX/XX/2021 no matter what percentage of my loan I paid off that it was date set. According to what I have read from my loan paperwork and the Homeowner 's Protection Act this has to be a violation ( fraud ) of my mortgage contract that was originated by XXXX XXXX XXXX XXXX. We have never been late on a payment and almost every payment we pay additional on the principal, that's how we've already reached the 78 % value, you would think PNC Bank would be willing to reward its customers that have good records and work with them on such issues as this, but apparently that's not the case.
Product: Mortgage

Dovenmuehle XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX On XX/XX/2021 I called Dovenmuehle to request to end our mortgage forbearance. I was told I would receive the documents to sign within XXXX to 8 days. 

On XX/XX/2021 I called Dovenmuehle relaying that I had not received the requested paperwork. I was then told the process could to up to 4 weeks as the loan was still under review. I questioned what the review process entailed and was not provided with a satisfactory answer. 

Today XX/XX/2021 I still have not received the paperwork and was informed by the Dovenmuehle rep. that Dovenmuehle did not have the paperwork and it would be coming directly from the VA as it was still under review which contradicts the two prior phone calls. 

End goal someone send the paperwork.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company refuses to fix factual disputes, Charge off account showing currently showing past due, Collection accounts with a credit limit, Accounts that are incorrectly reported as late or delinquent, Open charge off accounts,
Product: Debt collection

On XX/XX/24 I received notification of a lawsuit for {$1000.00} in mail regarding a debt that is not mine. I contacted company aka lawyer four times since then and received only one mailing - after requesting proof of debt, this law firm mailed me fraudulent statements which I have responded to via fax 3 times. I have yet to receive anything about this lawsuit being dropped.
Product: Money transfer, virtual currency, or money service

Coinbase has unlawfully disabled my account from buying and sending cryptocurrency for no lawful reason! I want to get some help from you possibly, because i have spoken a couple of times with their unhelpful customer support and even they dont know what is happening and at the same time are doing nothing to help me out with the matter! They have given me a confirmation number XXXX  Its been weeks and i still have no answer! i have never had any issues prior to my 6 years of membership and now this thing happened which i cant even pull my money from my own account! This feels frustrating and extremely wrong to me! Please help me!
Product: Debt collection

I implore you to take swift measures to eliminate the unauthorized accounts from my credit report, as they were not approved by me and are causing substantial distress.
Product: Debt collection

Starting back in XX/XX/2019, I started receving emails from True Accord. I have written 4 letters to them asking for the emails to stop and all communiation to be via USPS mail only. I have also asked for debt validation. True Accord has ignored my requests and keeps sending me emails on a frequent basis. It is annoying that they refuse to respond and stop the emails as I never gave them permission to email me. It is really difficult and upsetting to continue to receive these emails. And gosh, they even go to my employers phone thus giving my employer access to them as well. That is very unacceptable on many levels. I am just fit to be tied.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting actXXXX XXXX XXXX account # XXXX & XXXX XXXX XXXX  account # 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 not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

After speaking with XXXX XXXX  customer service they were not helpful and didn't listen to me as a long-time customer. They advised there was nothing they could do, although they were aware my consumer rights had been violated. I can not believe a company of this magnitude doesn't care about their customer 's consumer rights.
Product: Debt collection

my wife and I had a cell phone with XXXX XXXX in 2004, or prior ; the only statement I have kept is from XXXX, 2004. XXXX was bought out by XXXX, which has since been bought out by XXXX. I was charged an early termination fee, despite my explanation that we had fulfilled our contract. Obviously, I refused to pay it, and I 've had to dispute it with XXXX, repeatedly, as well as at least 1/2 dozen subsequent collection companies. 
I called Dynamic Recovery Solutions today, and explained this and will forward add'l documentation to them. I understand the the current owner is XXXX XXXX XXXX XXXX XXXX ; So I will name them in this complaint. The documentation that I attach will illustrate how wrongfully we have been harassed about this obligation for more than 10 years.
Product: Credit reporting or other personal consumer reports

I won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. I kindly request that you conduct a thorough investigation into these fraudulent accounts and promptly remove them from my credit report. These accounts do not belong to me, and their presence is negatively affecting my creditworthiness. XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Please delete this account ASAP.
Product: Debt collection

Per CFPB agreements with credit reporting agencies, medical debt under {$500.00} should not be included on a person 's credit report. The debt in question is medical debt. I paid it to below {$500.00} and requested it be removed from my credit report. The debt collection agency updated the amount owed, but would not remove the debt from my credit report.
Product: Checking or savings account

I have never done business with BoA - I just recently moved to the XXXX XXXX area and I'm being told that there were accounts opened in my name using my information. 
I've been a victim of Identity theft before and thought this was cleared up - I am not able to open an account due to this. 

Please assist.
Product: Credit reporting or other personal consumer reports

Dear Experian : I am writing to dispute incorrect information on my credit report. The following account with XXXX XXXX XXXX Also known also XXXX XXXX XXXX Date opened XX/XX/year> Collection account. {$1.00}, XXXX This dispute is submitted under the Fair credit reporting act ( FCRA ), 15 U.S.C & 1681i ( A ) ( 1 ) ( A ) which required credit agencies to conduct reasonable reinvestigations of dispute items. Experian is required to conduct reasonable reinvestigations within 30 days. Any information found to be incorrect must be correct or immediately removed my credit report.
Product: Credit card or prepaid card

Hi there, I noticed that I was charged an annual fee of {$99.00} on my credit card ending with XXXX on XX/XX/XXXX. I called Barclays on XX/XX/XXXX to either downgrade to a version without annual fee or cancel this card to get the annual fee refunded since I will not travel as much as I did in XXXX. As a result, I will barely use this card moving forward and won't be able to utilize the card 's benefits ( haven't used this card since XX/XX/XXXX ). However, the customer service representative informed me that the annual fee was posted on XX/XX/XXXX, which results in passing the 60-day window of getting the refund, so they could not process the refund. That was quite a surprise to me. 

I then looked closely at my account from Barclays ' website. I found that the page showing the transactions is very misleading ( see attached ). It shows the " Posted transactions '' at the top-left corner with the date of XX/XX/XXXX above it and the date of XX/XX/XXXX appears again below the " XXXX '' at the bottom. 

And the date of " XX/XX/XXXX '' is relatively unnoticeable since it's smaller and lighter compared with the capitalized words " ANNUAL FEE '' right above it. This layout, especially the date " XX/XX/XXXX '' below the " XXXX '' makes it very impelling to believe that the {$99.00} annual fee was charged on XX/XX/XXXX, which leads to the result that I missed the 60-day window of getting the refund. It is very unfair and inadequate. 

I have never encountered a similar issue with other banks or credit card companies since my first credit card in XXXX. In addition, I have been a responsible client that has never been late for any payments.