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

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian I am writing to formally dispute inaccurate information reported on my credit report. As per the Fair Credit Reporting Act ( FCRA ) Section 605B, I am requesting the removal of the following accounts, as they are either fraudulent or inaccurately reported : XXXX XXXX XXXX XXXX  XXXX  XXXX I am enclosing a copy of my credit report with the relevant accounts highlighted, along with supporting documentation, including my government-issued ID and proof of address, to assist in verifying my identity. 


I request that these accounts be removed from my credit report promptly, as they are inaccurate and do not belong to me. Please notify me in writing regarding the outcome of your investigation within 30 days, as required by law. 


Thank you for your attention to this matter. Should you need any additional information, you may contact me at [ your phone number ] or [ your email address ]. 


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

XXXX and Transunion refuse to remove fraudulent inquiries on my Credit Report. On XXXX XXXX 2017 I sent letters to all three Credit Reporting agencies describing my problem accurately, request for removal, a copy of Drivers License, a copy of Social Security card, and a recent copy of utility bill to validate claim. XXXX  removed every fraudulent inquiry immediately. Please help me with XXXX and TransUnion. Thank you for your time.
Product: Vehicle loan or lease

On XX/XX/XXXX, I spoke with a representative from Old National Bank and requested a loan payoff to be made in the amount of approximately {$XXXX} on an auto loan. The representative processed that request, and the loan was paid off in approximately XXXX business days. Approximately XXXX  days after the loan was paid off, I called to inquire how long it would take to receive the title to the vehicle. I was told that the title and a copy of the lein release would be mailed out on XX/XX/XXXX. I still had not received any documents via mail by XX/XX/XXXX so I called Old National Bank again to inquire if the title and lein release had been mailed out. The representative confirmed they had and instructed me to call back if I did not receive anything via XXXX mail by XX/XX/XXXX. At that time, they also processed a request to provide me with a copy of the loan pay off leter ( note not the XXXX relase document ). I received a copy of this document and on the document I noted the incorrect address. I immediately called XXXX XXXX Back and inquired if the incorrect address was used to mail out the title. The representative confirmed they did not use the address listed on the loan pay off letter and ensure me that they had the title mailed to correct address. I called back on XX/XX/XXXX as I never received the title via XXXX mail to inquire about next steps. The representative informed me that I would have to request a duplicate title from the state which the car was registered. In order to request the duplicated title, a request was made to the loan department of Old National Bank to release a copy of the lein release letter to my email and to my physical address via XXXX mail. I was told the email should be sent within XXXX to XXXX hours. I requested to speak to a supervisor to determine if it could be confirmed from the loan department about which address was I never received an email, so I called Old National Bank yet again on XX/XX/XXXX. I was told the person handling my request from the loan department was online so the representative reached out to her to determine if another email could be sent. He never received a response from her so he let me know I would have to call back again on XX/XX/XXXX to inquire. I called Old National Bank again on XX/XX/XXXX and spoke with a representative explaining by request to obtain a copy of the lein release via email. She then informed me she requested another email and to call back in XXXX business days if I have not received anything.
Product: Checking or savings account

On XX/XX/2022, I went to pick up food from XXXX. I had to return the food because of a wrong order and did not have time to get something else. The manager XXXX @ XXXX was to cancel the order and refund my money within 2 days. It has now been 4 days and still no refund. I tried to call 5/3 Bank and stayed on hold for over a hour and I also called and left my phone number to get a call back from 5/3 Bank to dispute but I am unable to get a call through to them or call back to dispute this transaction. I believe the total was just over {$15.00}. I can NEVER get through to the customer service # for 5/3 Bank. When I attempt to go inside the bank. They inform me that are unable to help. I have never seen a bank so unprofessional in my life. Please help.
Product: Debt collection

CACH LLC, won a default judgment against me in XXXX Circuit Court, XXXX, WI in 2016 while I was residing and working on XXXX. I couldn't afford to fly back to XXXX, WI for court so they won this judgment against me and I never had any account or agreement with this company. I know that they bought a debt from a former Credit Card Company that I couldn't make the payments after I lost my job and the credit card company wrote off the debt. They sold it to CACH LLC for whatever amount. I didn't have any type of agreement with this company and I believe they lied in court to win the judgment and now I found out they sent a letter of Wage Garnishment to my current employer where they are taking 20 % of my wages starting with my next paycheck. I can't afford to live with that much money coming out of my check for a company I never owed anything to begin with. I live paycheck to paycheck and don't want to wind up homeless over this. They are not willing to help me in any way. Please help me.
Product: Mortgage

My complaint is about our handling of our mortgage by PHH Mortgage XXXX XXXX  XXXX XXXX  XXXX, NJ XXXX. We closed on our mortgage in XXXX of this year with the first payment due XX/XX/XXXX. That first payment was debited from our bank account on XX/XX/XXXX and was paid to XXXX XXXX. The original mortgage was to XXXX XXXX, and I don't know if between XXXX and XXXX it was sold to this XXXX or not. My next correspondence was to PHH Mortgage who I set up an autopayment to begin on XX/XX/XXXX from our account at XXXX. I saw on my account page on PHH that the payment for XXXX was not showing. I called them in early XXXX and was told that they were investigating and for me not to worry. Obviously they were not investigating very hard because when I did not hear back, I contacted XXXX and they told me they had sent that payment to PHH and provided me with the XXXX tracking number that showed it was received and signed for on XX/XX/XXXX at PHH. I contacted PHH and gave them this information along with a copy of my bank statement from XXXX showing payment. Nothing has gotten done. We have made numerous calls to PHH and no one has ever contacted us. I am sure that they feel we are pests, but after a month and a half something should have been done. In one of my emails that the did reply to, they stated that the auto pay for XX/XX/XXXX would not occur due to the fact that we were in arrears for XXXX. In another 15 days the payment for XXXX will be due. We have provided PHH with everything that they have requested and nothing is being done. We need help
Product: Credit reporting, credit repair services, or other personal consumer reports

Used XXXX XXXX and other financial/credit sites that utilized Equifax, found out my PHI was possibly compromised. Placed a temporary hold on my credit, concerned what will happen once the hold is over.
Product: Debt collection

I received a notification that this company has placed an account on my credit on XX/XX/23.. I have no idea who this company is. All I know is that it has something to do with the state of Georgia. I have never lived in Georgia nor have I applied for anything in Georgia. I never completed an application or rented anything in this state. I live in a Florida, been in Florida my whole life. I have no idea how my information was even provided to you all. I am demanding the account to be removed from my report immediately this is fraud. You should find whoever opened this account and go after them. I also never received information about an account being opened in my name which is against FCRA failure to provide verification of a debt. Remove this account. I have reported it to credit bureau they have placed a fraud alert and completed a fraud report.
Product: Bank account or service

I purchased a dress from XXXX in late XXXX and returned it in XXXX. I reached out to the merchant and was inform on XXXX that Pay Pal had taken the money from her and that I should have been credited. I filed a claim with my bank XXXX XXXX XXXX XXXX XXXX who tried to get the funds from Pay Pal and was denied. The merchant all this time was under the impression that I had my money. I reached out to Pay Pal and told XXXX ( case # with Pay Pal XXXX ) that the merchant had their merchandise and to please refund me, Pay Pal refused. So neither the merchant or myself has the funds..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C. 1661 section 602A. States I have the right to privacy 15 U.S.C. 1661 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus look more than 30 days to complete my investigation here my certified tracking number
Product: Checking or savings account

Hi, hope all is well. I opened a XXXX Bank account on XX/XX/XXXX. In XX/XX/XXXX, Huntington Bank purchased XXXX Bank and moved my account to Huntington Bank. I recently tried to access my funds, about {$8500.00}, and I was told by Huntington Bank that my account had a " Dormant Hold '' and that I would have to go XXXX miles to an in-person branch to access my funds. 

This money is being held XXXX by the fact that I can't make this XXXX mile trip to a bank I've never worked with, in a state that I've never been to.
Product: Credit card or prepaid card

On XX/XX/2021, I received an email message from Amazon Services stating that a hold had been placed on my account because my card and billing information didn't match. Since I recently received a new Amazon store credit card, I thought it was a valid notification. I checked the email address - it was from Amazon. So, I spoke with an Amazon rep ; that's when I was told that the message was not sent from Amazon, and that my account was in good standing.

The Amazon rep advised me to report the incident to www.ftc.gov.

I've attached the letter provided.

Thank you.
Product: Credit reporting or other personal consumer reports

Applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my credit score. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Product: Payday loan, title loan, personal loan, or advance loan

I went into a one main financial office to get some funds to kick start my trucking company. After I completed the application, they came back to me stating that I need some collateral. They offered to refinance my personal truck. Keep in mind, I have already applied and payed back a loan from them before so there shouldn't have been no reason for me not to get approved for the amount I requested. I went with the offer anyways because I was in need. Fast forward to three years later, I had to file for bankruptcy due to the economy ultimately affecting the transportation industry. The amount that I initially wanted to borrow has been payed back but now they may be trying to reposes my XXXX because im out of work and unable to pay back.
Product: Student loan

Re : Account Number : XXXX XXXX XXXX I am writing to you requesting a tepslf. As you can see I have made an extreme effort to pay the loan with automatic payment, doing what I need to do get the forgiveness approved. Upon discovered that all of the 133 payments of {$250.00}, which equal to {$33000.00}. did not count toward. I also discovered that only 17 payments that count toward, which is and out of that only {$4300.00} What about the rest of the payment {$29000.00} where does it goes to, someone pocket? And no one can tell me where the payment goes to. It is unfair for me as a good citizen whom who work and give back to the society, the community and as well as paying his debt, and just want a loan to be forgive. They blaming me for not doing right, but all this years they keep their shut. Every time I called I never get the answer. It always a run around. I email to XXXX months ago with no response. Please take a moment to consider my request. 
Thank you
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : Please see attached file for these items I am complaining.
Product: Credit reporting, credit repair services, or other personal consumer reports

we need as consumer production from agent like Experian to be product because they report the wrong scour!!!!!!
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024, and I noticed some things are incomplete or not accurate. According to the fair credit report act, when ever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the repost relates. These accounts [ XXXX XXXX, XXXX ] and [ XXXX XXXX XXXX, XXXX ] are not complete and accurate. 

[ XXXX XXXX, XXXX ] open date is not reporting correctly, the balance, date last active, and date of last payment is not correct, this account is not accurate. 

[ XXXX XXXX XXXX, XXXX ] open date is not reporting correctly, the balance, date last active, and date of last payment is not correct, this account is not accurate.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA this creditor has violated my rights under 15 USC 1681 section 604 a section 2, a Consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX, XXXX and Experian never received my verbal, non-verbal, written, implied or otherwise, consent to furnish this information. Under 15 USCS 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I was contacted by XXXX XXXX, Shapiro Law Offices, P.C. of XXXX XXXX XXXX, XXXX Pa XXXX on XXXX XXXX, 2014 regarding the payment of a past debt to XXXX XXXX. that was originally almost completely paid to XXXX, XXXX and XXXX XXXX XXXX of XXXX PA. I immediately contacted XXXX XXXX to indicate that I would be happy to resolve the remaining amount that had been contested and released from XXXX, XXXX and XXXX when he provided an accurate balance to be paid. XXXX XXXX was adamant that I owed the full balance. I asked him to contact the prior collector to ascertain the correct balance due. I was consequently served a subpoena from my local court. At that point I had no choice but to hire an Attorney myself. On at least XXXX additional occasions XXXX XXXX continued to purposely misrepresent the amount owed to my Attorney, prolonging my need for legal representation and subsequent fees. It was only after XXXX XXXX himself was served with interrogatories and compelled by legal requirements that he went and actually acquired the past payment history clearly indicating that I did not owe {$2200.00} as he had maintained up until that point in time. I accrued Attorney fees of {$920.00} since XXXX XXXX misrepresented what I actually owed on the debt, and continued the charade even after I sought legal representation. The debt was finally resolved, but I had to sacrifice almost an additional {$1000.00} due to XXXX XXXX 's false representation of the debt. I am seeking to be repaid for my Attorney fees by XXXX XXXX.
Product: Credit card or prepaid card

AMEX does not adhere to requirements of UIGEA. Their card product is available on online betting sites and they allow foreign transactions charges to go through with no validation. AMEX 's lack of controls around UIGEA allowed my spouse to run up several thousand dollars on their card in online gambling losses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing these accounts with Transunion, XXXX and XXXX they keep coming back with updated and verified I have sent XXXX XXXX several validation letters and they have not sent me anything in the mail. I have also reported to the FTC to see if I may obtain more help. The credit bureaus say it was updated and the update has not changed its like they are not investigating. I have XXXX XXXX and XXXX XXXX XXXX that sold the accounts to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that there was a fraudulent activity. please remove this account cause it is hurting my ability to get credit.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX These were all soft inquiries that I did not authorize
Product: Debt collection

IQ Data International XXXX # XXXX has been harassing me with a debt I do not owe. They have called me, my family, colleagues at work, and my employer. They have disclosed personal information, ( social security number, how much I make a year, how much my car was, and what they believed was my address. ) They have violated multiple Fair Credit Acts and broken the law. They have called me from 6 different phone numbers, over 30 times after I have told them to stop. They continue to violate Fair Credit Acts every time they call. This debt has never been verified. 

They have also violated 1006.30 This company is nothing but harassment and law breakers.
Product: Credit reporting or other personal consumer reports

my credit report is showing inaccurate information address i have never lived and phone numbers i have never had 15 usc 1681 states that my credit report must be accurate and this information is not which is a violation
Product: Credit card or prepaid card

I had a payment mixed up with Chase Amazon Rewards card in 2011 where they charged a bank account that I had closed instead of the account that I recently opened, as I instructed them to do. It was Chase 's mistake, but they assessed a punitive rate of 29.99 % against my account. It has been at that rate for nearly 9 years. 

In the ensuing 8 years, I have had no missed payments with any account. My credit profile is good enough to open two more substantial accounts with Chase at lower rates, including their premium Chase XXXX XXXX XXXX. Those accounts were opened without issue. Additionally, Chase Amazon Rewards increased my available balance. What they have not done is lower the interest rate. 

I called the company repeatedly over eight years to ask why the rate did not return to the normal rate after a credit review. The only response from customer service is that 'no one can lower the rate. ' The practice is obviously usurious and based on the proclivity of the company to try to catch people out. While perfectly legal, it's remarkable unethical. I can not understand why one account at Chase would carry the usurious rate while others carry the prime rate based on nothing in particular. I am disinclined to close the account because it's one of my older accounts and it will affect my credit reporting. Chase is not interested in fixing this issue or in retaining my business.