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

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in violation of 15 U.S. Code 1692c which states Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692e A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.

15 U.S. Code 1692 a which states I have a right to privacy.

There are many accounts which were paid for deletion and still remain on my credit report. The items are as follows : XXXX XXXX -- Account number XXXX Closed and paid XXXX XXXX -- Account number XXXX Closed and paid XXXX XXXX XXXX -- Account number XXXX Closed and paid XXXX XXXX XXXX XXXX -- Account number XXXX Closed and paid I have submitted documentation to the credit bureau multiple times and they have yet to open the dispute and delete the accounts from my report which is causing extreme hardship ; negatively impacting my life.
Product: Bank account or service

On XXXX/XXXX/2015 there was a withdrawal for {$3100.00} made on my account at a branch in XXXX, GA. This was a fraudulent withdrawal and I made initial contact with the bank on the day of the transaction. On initial contact on XX/XX/XXXX I was given on confirmation number of a fraud claim, on XX/XX/XXXX I went into the branch where the associate assured me a fraud claim had been initiated. I was out of the country from XX/XX/XXXX to XX/XX/XXXX on my XXXX. Upon returning I discovered the fraud claim had not been opened. This was odd since my checking account no longer appeared in my online banking and on XX/XX/XXXX when I visited the branch the associate confirmed my account had been flagged for fraud. 

On XX/XX/XXXX after XXXX hours in the branch we opened up a new fraud claim and it is now XX/XX/XXXX and I have received no contact other than on the day of XX/XX/XXXX from a fraud investigator. Several things stand out ... I was shown the withdrawal slip that was used in the fraud transaction:1. my last name was misspelled2. the teller wrote down a driver license number that was not mine on the slip3. The signature looked nothing like my signature ( what is the point of signature cards? ) 4. I have never previously withdrawn anything of that magnitude from a teller window transaction. 

And yet it has taken SunTrust nearly a month to process this fraud claim and no one at the company can tell me when I will have my money back.
Product: Debt collection

The company XXXX XXXX XXXX, is harassing me for a debt they say I owe, it doesnt even show in my credit history, they say that they sent letters of collection to two address that I have not leave there for more than ten years, and the account was suppose to be in debt since 2012. They have call my work place asking for me and have call my cell phone treading to sue me even take my property away.

I contacted HSBC asking them for information on my debt and they didnt find anything, I called folder dept and found nothing so I wrote a letter asking to get the company name they sold my case to ... I suppose to owe {$660.00}. This is the number to reach XXXX. XXXX number is this XXXX. The place sounds like its empty with an echo, then they call back and has some voices like operators but I didnt hear it before ...
Product: Checking or savings account

On XXXX/XXXX/2017 I went to a Chase ATM to deposit {$2000.00} in cash. The ATM ate/took my deposit and broke down on my transaction and did not give me my money back ( I have a receipt proving the ATM broke on my transaction as well ). I immediately called Chase and told them about the issue. Chase opened a claim and after a month of investigating they decided to only give me back {$430.00} from the {$2000.00} deposited. That means they took {$1500.00} and refuse to give it back. I was assigned to speak with XXXX at the Executive office, the phone number is XXXX extension XXXX ( XXXX XXXX. XXXX was very unhelpful and did not follow up with me once. It seemed like she was just waiting to close the case without properly investigating the issue. I would appreciate assistance in recovering my lost {$1500.00}. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted this company for validation of the account and debt they have inaccurately reported to my credit profile. I have found XXXXseveral* contradicting information on my report that further prove my suspicion of this account being fraudulent and NOT MINE. Attached is proof of the credit report with misinformation differing across the three credit bureaus. I kindly request this item to be removed completely, never to be added back again. 

I understand that the Fair Credit Reporting Act regulates credit bureaus and collection agencies to ensure proper and accurate reporting for all consumers. In this case, I have not been treated fairly as the reported accounts are continuing to show -- with mismatch information especially. 

I have contacted XXXX  XXXX on several occasions regarding the COMPLETE REMOVAL of this account. I called them, and they can't even verify me in their system. How is this account allowed to report to my credit report and negatively affect my credit and personal life when this company can't even verify that I'm an actual customer with them? 
To add -- I've never even considered using XXXX XXXX. I've never received a single piece of mail to my home from XXXX XXXX. This account needs to be removed IMMEDIATELY. IT IS HURTING MY PERSONAL LIFE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX, N/A, N/A, N/A, N/A, N/A, N/A, N/A, XXXX XXXX XXXX, XXXX , XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, Original Creditor : XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX Company Inquiries : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I first disputed a repossession on my credit report with Experian XX/XX/2019. I was unsatisfied with the results from their investigation saying verified so I attempted 2 more times to dispute the accuracy of legality of it's presence on my credit report. However, within days their investigation was again complete. So I sent certified mail asking them for debt validation. By the 15th day they did not respond and instead opened up another dispute. I am fed up. I am a single mother and still can not buy a car. They are stalling taking off this negative account from my credit report for no reason. I called and spoke with a dispute supervisor from Experian by the name of XXXX for 40 minutes on XX/XX/XXXX. He informed me that I mailed my documentation to the wrong address and that they never received the debt validation letter I mailed on XX/XX/2019. I informed them I mailed the letter and documents to them via certified mail and it was delivered by XXXX tracking number XXXX on XX/XX/2019 at XXXX XXXX signed for by Experian representatives. I am disappointed, but most of all appalled by their negligence to follow the FCRA 611 section a ) Which clearly states all unverified accounts must be removed from credit reports. Experian is violating my rights and this is not okay.
Product: Credit card or prepaid card

Lowes Synchrony Bank card. 
On XX/XX/XXXX XXXX XXXX I recived an email that my payment was due soon. ( attached screen shot ) I knew I already scheduled a payment. I went to the card services portion of the lowes app and there was no pending record or applied record of my payment. The activity only shows my next payment, and a payment due ( Attached screen shot ) This is misleading and could cause me to make a double payment when one is not needed. 

I went to the website version and I could see everything. ( Attached screen shot )
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$180.00} XXXX and Associates Date Opened XX/XX/XXXX Balance {$1800.00} XXXX XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Account status incorrect, showing open account as closed, showing delinquent account and negative payment history when account is not. Reporting on Equifax and XXXX.
Product: Mortgage

Mr. Cooper Mortgage issued a check for my escrow overage but it was lost in the mail so by the time I finally received it, the check was over 90 days old and was expired. I called Mr Cooper to request a new check and the representative I spoke to assured me I would have one within 30 days. That was in XXXX of 2023 and I have yet to receive a new check. Mr Cooper has since transferred my mortgage, so now when I call, it does not give me the option to speak to a live representative. Im directed to call my new loan servicer, so this is extremely frustrating. I have tried using the online chat feature but keep getting a message stating it is unavailable at this time. Im just needing assistance in getting in touch with Mr Cooper to get a new check cut as I do need those funds to make up for a shortage I now have in that Escrow Account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have struggled for several weeks to get a freeze removed from my Experian account which was placed after the mega security breach back in XX/XX/XXXX and I still dont know if its been removed. I have successfully removed freezes placed on XXXX  and XXXX  and now able to place a freeze on my XXXX  and XXXX accounts conveniently and free or charge however, Experian makes this task extremely difficult and the ultimate outcome is for me to subscribe to a credit monitoring service which I am not interested in obtaining. The same information I enter on the Experian site requesting a freeze is the same I entered to get my annual free credit report from Experian and that request was successful. I have tried numerous times to contact them via phone but Im only presented with a maze of phone options ultimately ending with the response to mail pertinent information to a location in XXXX Texas. 
The following are steps Ive taken to place a freeze on my account. 
Access the Security Freeze Center web site at Experian : https : //www.experian.com/freeze/center.html Select Add a Security Freeze -> Freeze My Own Credit File Enter name, address, SS #, DOB, email , and created a PIN Submit The next screen indicates Experian can not identify me based on the info I entered This same information was good enough to prove my identity for the free credit report.For what its worth, I also tried the link to remove a freeze both using the PIN created to freeze my account several years back and without a PIN. Both were unsuccessful. 
If I could talk with someone that would be helpful, but all avenues lead to a laborious process of mailing info to an address in XXXX Texas and adding time to the request. The only option offered by Experian is to buy a credit monitoring service. Any attempt to contact them results in the same thing. Im never able to easily speak to a representative. 
I simply want the ability to add or remove a freeze to my credit file free of charge as required by the Federal Government as of XX/XX/XXXX. 
Attached are screen shots of the Experian web pages I visited and the data I entered. 
I hope you have better success than me in getting this resolved and making Experian play by the rules Thanks, and Regards, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few addresses that is not correctly showing on my credit file that needs to be updated. My only address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX. PLEASE DELETE THE FOLLOWING ADDRESSES:1280 XXXX XXXX XXXX XXXX FL XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX CT XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX, I have not lived at any of these addresses listed on my credit report I even noticed that a few actually belong to my adult children. However I would like them removed because they are not accurate.
Product: Mortgage

I was not informed by XXXX XXXX XXXX that my mortgage was sold to Nationstar Mortgage Company. The only way I found out was to call XXXX when the payment was deducted from my autopay. I have since had extremely poor customer service from this mortgage company. They are now charging me fees that are not legal under my HUD contract with XXXX in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XX/XX/2022 ;
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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX ; XXXX, XXXX, C ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX GXXXXL XXXX Balance Owed : {$0.00} ; XXXX XX/XX/2022 ; XXXX XXXXXX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 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 XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, as per the Fair Credit Reporting Act.

I have the right to privacy under 15 USC 1681 section 602 A, and a consumer reporting agency can not furnish an account without my written permission under 15 USC 1681 section 604 A. 
And XXXX XXXX XXXX XXXX has violated my rights.
Product: Checking or savings account

Wells Fargo is eliminating XXXX Checking and switching those customers to Everyday Checking. They claim to not reduce any benefits, but hidden from the information provided on their notification they do not tell customers that their checking account will no longer provide interest. I had to dig pretty deep on their website to find this change. While the interest they pay is scant, they probably save {$.00} annually across the, likely, thousands of customers they switch. The big problem is they don't make this obvious to customers. They XXXX have as much as millions of customers being switched which could run the monetary gain to Wells Fargo ( and loss to customers ) to as much as {$600000.00} per XXXX customers.
Product: Debt collection

I have no acknowledgement of the account with " LVNV FUNDING LLC ''. I already disputed with them and I still see the account on my profile. I do Not Owe a debt of {$390.00} and also each bureau is stating something different for the account. XXXX is stating that this account is a collection, while XXXX is stating this account as 120 days late. Also XXXX is stating the last date active is XXXX while XXXX  is stating XXXX and XXXX  stating XXXX. This is a false inaccurate account that is not mine.
Product: Credit reporting

Trans Union had an " inquiry issue '' Trans union deleted XXXX inquiries from my trans union credit report. About a week later they replaced these items back on my report. They never sent me any letters or attempted to make contact with me to let me know they added items back on to my report..
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX, that my XXXX mortgage of {$520.00} has not been received. ( # 1 Document ). I contacted the bank and was told that it had been deducted from my checking account on XX/XX/XXXX. ( # 2 Document ). I later contacted the company and was told that it was applied incorrectly. 

This mortgage account has been opened since XXXX and has always been bank draft from my checking account. ( # 3 & 4 Documents ). 

I called a 2nd time on XX/XX/XXXX, approximately XXXX XXXX. and was told that the money was placed in a suspended account. 

I called a 3rd time on XX/XX/XXXX approximately XXXX XXXX after receiving a Notice of Default letter. I was told to disregard the letter ; and for the last payment prior to getting the payoff, I was told to send a check in from my account instead of letting them do a bank draft ( # 5 Document ) I inquired if it would have any bearing on my credit report and they advised it would not. However, I received a notice from my credit monitoring stating that my score had dropped from XXXX to XXXX. 

This mortgage loan is scheduled to mature, and I sent the balance of {$22000.00} ( # 6 & 7 Documents ) on XXXX. Again, I contacted the mortgage company on XX/XX/XXXX and was told that they had received the payoff, however, I still received a letter saying the month of XXXX payment is due. 

In checking with the 3 credit bureaus, my scores have dropped from XXXX to XXXX from XXXX mortgage sending a negative report about this loan. ( # 8 Document ). 

I need XXXX to rectify this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 not furnish a account without my written instructions.
Product: Credit card or prepaid card

I call to pay my bill, hold time over 3 hours. 

Even when I select for them to call me back Im still put on hold for 1 hour I pay my bill and they send a notification its not paid, I then have to spend 4 hours calling back on hold. 

No matter what time of day, its always 2 hour or longer wait
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX- Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information my credit report within 4 business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim oXXXX XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company Transunion. Please delete the following accounts. 
XXXX  Account # XXXX Balance {$2600.00} XXXX Account # XXXX Balance {$490.00} XXXX XXXX Account XXXX XXXXXXXX Balance {$520.00}