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

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please don't ignore my request to repair the following items that are harming my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I went on a deferred payment plan during Covid due to a loss of revenue in XXXX. That agreement expired in XX/XX/XXXX. Freedom Mortgage offered me various options. I chose an in house refinance that would roll the owed balance to the back of the loan. In addition it would lower my payments and my interest rate. I received the paperwork XX/XX/XXXX. On XXXX XXXX I went to have it notarized by my bank XXXX at XXXX Bank. He advised he was unable to sign off due to the nature of how the paperwork was written, as there was a co-borrower who was not present. he lives XXXX miles away and thought I could sign my half, have notarized and forward to coborrower. We called Freedom Mortgage directly and explained the issue. We were told new paperwork would be drawn up and sent separately to each party. I have called every week for XXXX months. In addition, I have made the payments as instructed. Each call I made I was given different answers, typically its processing and to wait. I offered anything I could on my end- told no to just sit and wait. 
On XX/XX/XXXX I spoke with XXXX in escalation department He advised I would receive a call the next day from him. He did call, and advised to expect a call from XXXX id # XXXX on XX/XX/XXXX. When I spoke with her I was advised that the account was closed in XXXX and denied. She recommended I re-apply online and research assistance programs. This came as quite a shock. She claimed I should have tried another notary. I requested to speak with her supervisor. Instead, I was transferred back to escalations. This company has done this XXXX times over XXXX years to me. I attempted an in-house refi twice to lower my payments. Was assured it was processing and wound up denied. I opted for the deferment after the denial that would have lowered my payments, as a result of those XXXX denials. 
This third time I have kept detailed notes of every call. Ive have every name of who Ive spoken with. I have made my payments on time as instructed. And at the end, Im told Im denied at no fault of my own. I would ask for this company and its practices.
Product: Debt collection

They called to my cell, and I explain to them that I already paid it. I have all evidence but they keep calling to me. I ask to stop call me, but they call to my work after I ask not to call. 
They never sent me written notice but keep calling to me.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( XXXX ) on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted Transunion and Equifax and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Product: Credit reporting

I wrote a letter to Experian asking them to investigate mistakes on my credit report. They responded to me with a letter saying my letter was suspicious, and that they would not do my free investigation. I do n't know what was suspicious about it. It did come from me, and I even attached copies of my ID 's to confirm my identity. In Experian 's letter, they gave me a phone number to call and an e-mail address to visit to " validate '' my letter. Apparently, I can not speak to a live operator or do anything to via the web-site unless I buy one of their products from them. I believe Experian is purposely refusing to do my free investigation so I will buy something from them that I do n't actually need.
Product: Debt collection

XXXX XXXX Partial Acct # XXXX, XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX reported to XXXX  Credit Bureau that I owed an unpaid credit card debt of {$1000.00}. This is not my credit card nor my debt. I told XXXX  in a phone call this was not my debt or credit card. I was told XXXX  would check with XXXX. XXXX  later told me in a dispute report that XXXX confirmed that I was the credit card owner and I was responsible. The same process happened with XXXX  Credit Bureau. Both XXXX  and XXXX down-rated my credit. XXXX  XXXX XXXX cancelled my credit card. XXXX XXXX  down-rated my availability of credit. Portfolio Recovery Ass., LLC notified me they had bought my account on XX/XX/XXXX. Their address is XXXX XXXX XXXX, XXXX, VA XXXX. Their phone # is XXXX. They informed me that I could make an ID Theft Report in my own state, which I am doing. They also told me about filing a complaint with FTC.GOV which I am doing. Portfolio Recovery Ass. also informed me that the credit card was charged at a XXXX XXXX XXXX in XXXX, Alabama on XX/XX/XXXX, and that the credit card bills were sent to XXXX XXXX XXXX XXXX XXXX in XXXX, Alabama. Portfolio Recovery also informed me that I could send them copies of my electrical bills ( from a year before XX/XX/XXXX to the present time ) to show my correct address. I have made these copies of more than two years of utilities and also filed a police report on XX/XX/XXXX by computer. I am waiting to speak to the police in person and get my official police report. When I get the police report, I will have to send all utility bill copies and a copy of the police report physically by mail to Portfolio Recovery Ass. as I don't know how to do this by computer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Never gave this company any of my information or consent to have/use my information. Let alone furnish. 15 usc 1681b. Identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need this accounts deleted or updated. This the item I demanding to be deleted immediately : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account XXXX XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my public record
Product: Credit reporting or other personal consumer reports

I am writing to formally attest that I am a victim of commercial trafficking in persons, as defined under section 605C of the Fair Credit Reporting Act ( FCRA ).
Product: Checking or savings account

On XX/XX/2020 I went to the XXXX XXXX nj pnc branch on the XXXXXXXX XXXX XXXX. I used the atm to make a cash deposit of {$4300.00}, I put a bulk wad of cash bills into the atm and the atm spit back some of the cash bills indicating I was putting too many in at one time. I had to make another cash deposit because of that. I figured the atm calculated the right amount of bills entered but when my second cash deposit showed me that I was being shorted {$200.00} I immediately went to notify a teller. I knocked on the lobby door and was told to go to drive thru to make my dispute. I was told I would get credit for the {$200.00} and the bank will be auditing the atm on Tues. XX/XX/XXXX. This is poor customer service. The teller did say my money jammed in the machine. I never had an issue at an ATM before this. I need a full audit done with all the holding bins in the atm checked and a tech opening up the atm to search every possible holding bin/area. A video audit should be done too to review my transactions on camera. They will see what theywhen I noticed I was shorted {$200.00}
Product: Credit reporting or other personal consumer reports

I'VE BEEN A VICTIM OF IDENTITY THEFT. THESE ACCOUNT ARE AFFECTING MY REPORT SO BAD, I WANT PLEASE TO GET THEM BLOCK.
Product: Checking or savings account

The Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against XXXX, accusing the payment service of failing to protect consumers from fraud and unauthorized transactions. The lawsuit alleges that XXXX does not provide adequate safeguards for users, making it difficult for victims to recover lost funds when they mistakenly send money to the wrong person or fall victim to scams. The CFPB argues that XXXX misrepresents the security of its platform, leading users to believe their transactions are safer than they actually are. 

I personally experienced this issue multiple times when I accidentally sent money to the wrong person using XXXX. Despite immediately contacting my bank and XXXX support team, I was unable to retrieve the funds. The lack of a dispute resolution process or refund option left me frustrated and financially impacted. XXXX policy of treating transactions as irreversible, even in clear cases of human error, highlights the very problems the CFPB is addressing in its lawsuit. 

The incidents occurred in both XXXX of XXXX, XX/XX/XXXX and XX/XX/XXXX 2023
Product: Checking or savings account

I informed Chase about an unauthorized {$1000.00} charge that was posted to my account on XX/XX/XXXX. I contacted the merchant about this and I have text messages showing the charge was unauthorized. Chase issued a credit to the account XX/XX/XXXX. Chase recently did an investigation without requesting any of my evidence. The merchant submitted a document claiming the charge was authorized and I asked the merchant to provide this document and they never responded. Chase is verifying a falsified document from the merchant. Chase then reversed the claim on XX/XX/XXXX and said theres nothing they can do to get my money back if the merchant is not giving it back. They said i can go to small claims court. This is ridiculous, I was never notified or alerted of {$1000.00} coming out of my account. How are they able to take an unauthorized {$1000.00} and not give it back. Chase then said I can confront the merchant in person, why would I did that?? The charge was not authorized and I have proof. I uploaded my text messages with the merchant, and am now waiting on a response from Chase Investigations.
Product: Credit reporting or other personal consumer reports

Improper use of my credit report. reporting companies below has used my report improperly under 15 USC 1681.

In accordance with the fair credit reporting act convergent account XXXX  XXXX Account # XXXX XXXX  XXXX XXXX  Account # XXXX XXXX XXXX Account # : XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # : XXXX 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 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 any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I have called US Bank no less than 6 times regarding a dispute I filed for a charge on my credit card. US Bank says that their supervisors are calling me back, yet they REFUSE to leave a voicemail, and they do not accept incoming calls. I have never once seen a missed call from US Bank, and have no proof that they have EVER returned my call. Additionally, they have incorrectly read evidence regarding my dispute, and are avoiding allowing me to talk to a human being to explain. Additionally, the merchant has provided NO evidence to counter my claims, yet US Bank has ruled against me. It's as if they could not possibly try to service me less. Terrible business practices. 

I purchased tickets through XXXX for XXXX in XXXX XXXX in XXXX of 2019. I selected tickets for DAY 2 on the website, for a SUNDAY, and was charged, but emailed tickets for SATURDAY, the wrong day. Fearing they would sell out, I made the purchase a second time and received the correct tickets for Sunday. I immediately contacted the merchant but they would not help. I disputed the charge with US BANK, and send them an email exchange between myself and the vendor where the vendor ADMITTED that they received 2 ticket orders for SUNDAY, the correct day. Even after the vendor admitted their error, US Bank would not properly process my dispute
Product: Credit reporting or other personal consumer reports

In the past 5 months i have sent all 3 credit bureaus my license and other identification to proof my correct address. it should be the only address on my credit report. I continue to view my credit reports with the incorrect addresses with no luck of the bureaus removing them. Can someone help me.
Product: Credit reporting or other personal consumer reports

I am writing to notify you of fraudulent accounts and inquiries on my credit report due to a recent identity theft incident. I have filed an Identity Theft Report with the Federal Trade Commission ( FTC ) regarding this matter ( Report Number : XXXX ). The breach resulted in several accounts being opened in my name and unauthorized credit inquiries, which have significantly impacted my XXXX XXXX and financial standing. The following is my full statement of the crime : I was the victim of a data breach that led to unauthorized use of my personal information, including my name and Social Security number. Fraudulent accounts were opened, and inquiries were made without my knowledge or consent. The unauthorized accounts and inquiries are reflected on my credit reports with XXXX, Experian, and XXXX. This breach has caused a decline in my XXXX XXXX, and I am now being held liable for debts I did not incur. 

Affected Accounts : The following accounts were opened fraudulently using my personal information. I request their immediate removal from my credit file : XXXX XXXX XXXX XXXX ( Account Number : XXXX ) XXXX ( Account Number : XXXX ) XXXX XXXXXXXX ( Account Number : XXXX ) XXXX XXXX ( Account Number : XXXX ) XXXX XXXX ( Account Number : XXXX ) Fraudulent Credit Inquiries : Additionally, the following credit inquiries were made without my authorization and need to be removed from my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts and inquiries were not initiated or authorized by me, and I am a victim of identity theft. As such, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I request that these accounts and inquiries be permanently removed from my credit reports, and that any associated collection activity cease immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Portfolio recovery associates sent me a letter from the Idaho courthouse, stating I owe portfolio and associate XXXX. I called portfolio and associates on XX/XX/XXXX XXXX am XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX. The name of the associates I talked to on these specific dates are, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX, XXXX. I asked every time I called for a validation of debt. 
I have sent numerous debt validation letters, to portfolio recovery. letter mailed dates, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 
To date I have not received any information that I have asked portfolio and associates for. 
Under law 15 USC 1692 It is illegal for a collection agency to purchase debt and try to come after me for it. I did not consent to this and portfolio and associates are harassing me, by phone at inappropriate hours and threatening lawsuit letters. I do not have a written or verbal contract with portfolio and associates. I demand that the harassment from portfolio recovery associates stops immediately. I refuse to be strong armed by portfolio recovery, and associates. Portfolio recovery associates were hired by XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This is my SECOND NOTICE that I'm DISPUTING inaccurate personal information found on my credit report. 
The following information is NOT ME and I have NO RELATIONSHIP to it. Please remove the following information from my credit report immediately- If you continue to report inaccurate information I will be filing a lawsuit for wilful noncompliance to FCRA regulations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Capital one denied my 2 claims within hours of being filed and without investigating at all their excuse being they can't dispute money transfers but my claims were not for money transfers they were debit card purchases with the same merchant My bank statements clearly proves that they were debit card purchases, and that two of the transactions were charged at the same exact time being XXXX and one wasn't charged til the next day at XXXX even though it was made with the other ones. 

I submitted plenty of documents to support my claims and to prove that I've tried getting the merchant to help me, I've also had this issue with this merchant a few times before along with many successful t transactions but the times I did need to file a dispute they were all found in my favor and weren't even contested by the merchant. 

To make things worse I had been told by two agents I'd be receiving the credits for the claims within 24 hours so I made other arrangements based on that information and after not receiving the credits I called and it took speaking to 5 agents to finally be told they denied the claims before they even started the investigations and said
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to my understanding Experian XXXX XXXX XXXX drop my score by XXXX incorrect information being reported unlawful including XXXX XXXXXXXX XXXX they supposed to delete that from my credit report XXXX XXXX Experian refuse to comply with federal regulations guidelines reported incorrect information or to investigate not drop people score to harm my credit my self account is paid in full my credit score drop I here request them to put my score were it was or file civil action lawsuits against the company fraudulent activity personal information
Product: Credit reporting

Trans Union is ignoring my numerous requests to investigate, verify and remove accounts from my credit file that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Because of the Equifax data breach, my credit cards and personal information were stolen, unapproved charges were made on my credit card resulting in destroying my perfect credit. I am looking for full compensation plus damages and Equifax should be held completely liable.
Product: Mortgage

XXXX XXXX ( XXXX XXXX ) of My Mortgage , Inc. failed to close my loan after taking me through the entire mortgage process and has yet to provide me with an Adverse Action letter to state why. 

Every and anything he asked me to provide prior to closing was sent as well as all of my funds in the amount of ( {$14000.00} ) sat with the title company. My credit was also pulled and the only thing he asked me to provide was a detailed letter from my employer to explain my reasons for the gaps. 

I have been living at a hotel during this process, purchased items for the home and promised my autistic son that once returns from culinary school we would be already moved in our home. I am devastated and feel that the rug has been pulled from under me. How does someone, get a pre-approval, provide a copy of social security card, driver 's license, college transcripts, pay stubs ( more than once ) submit bank statements ( more than once ), proof of my son 's XXXX XXXX XXXX, successfully complete the mortgage application and disclosures, submit tax information, set up an account with the title company, sent earnest deposit and proof of funds to close, provide the explanation for gaps, pay for an appraisal and obtain a quote for the home insurance, have the date extended and not close on the loan?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection on my credit report for a medical bill. I have not been to any doctors for at least 12 years and had insurance. This is either not mine or way to old to get documents to validate. I despised this info with an investigation with trans union. I received notification that it was complete and found to be correct. However, it cant be correct. I have not been to any doctors in over 12 years and had I durance to pay for anything that I had done. 
The file reference number XXXX
Product: Credit card

I made a payment of $ XXXX from my business account on my card. 

Unknown to me, Cardmember Services tried to verify the account the payment came from, which was XXXX. Since they couldn't verify it, they closed my account. 

I called on XX/XX/23 to inquire about my account and was instructed to fax over bank statements corresponding to the payment. I did so and checked back over a week later and was told they never received them. 

When I mentioned to the rep I spoke with that it was a business account I paid from, she instructed me to fax over a different set of documents, which I did. 

When I followed back up, and finally got a supervisor on the line, she said there was no point in sending in the documents because my account had been closed since XXXX. She then told me it was my fault for not contacting them sooner.
Product: Credit card

I had applied and was approved for the XXXX XXXX XXXX XXXX with the ability to earn XXXX XXXX points after spending {$1000.00} in 90 days. I have completed the spend requirement along with paying off the card. My first statement shows that I am owed XXXX XXXX points. It has been almost two weeks since this statement has closed and both Barclaycard and XXXX refuse to give me a straight answer as to where my points are and why they can not link my card to my true blue account. I have spoken with both sides and not one can give me a straight answer other then they are holding over XXXX points that I rightfully earned hostage.