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

I am writing to bring to your immediate attention the persistent inaccuracies on my credit report, specifically pertaining to late payments on my XXXX XXXX account with the account number XXXX. This matter is of utmost urgency, as the reporting inaccuracies are not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ), but they also constitute a blatant disregard for the consumer protections enshrined within the legislation. 
Under the FCRA, 15 USC 1681 ( a ) ( 2 ) ( i ) explicitly mandates the accuracy and fairness of consumer credit reports. It is with great concern that I must address the egregious inaccuracies in reporting, specifically in relation to late payments on the aforementioned XXXX XXXXXXXX account for the months of XX/XX/XXXX, XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Initially there were 14 unauthorized inquiries on my credit report. I called and reported it being the result of identity theft and forwarded information to verify. They only removed 2 inquiries and most of the inquiries are outdated
Product: Mortgage

A payoff was requested of XXXXPHH Mortgage. They requested a copy of the appraisal in order to issue the payoff. Their repeated requests are unreasonable and not legal according to my new lender XXXX XXXX Bank. I have a loan approval that has expired due to the continued incompetence of all involved at both the payoff department and XXXX department at PHH mortgage. Contact information XXXX, XXXX, XXXX. They are illegally requesting the appraiser falsify the appraisal report to show the home is a three bedroom, where it is currently showing as a two bedroom simply because of hallway access to a bathroom. An addendum is attached to the appraisal explaining the two versus three bedroom discrepancy.
Product: Debt collection

A collections report was added to both XXXX  and XXXX credit reporting agencies on XX/XX/2020. This report does NOT belong to me. It is from cLark County Collection Services for XXXX XXXX. I have never lived in or resided in Nevada nor have I ever had an Nevada identification to open up any accounts out there. I have been a resident of Tennessee for the last 9 years in which this debt has taken place. This isnt my account. I have no state of Nevada identification to open such an account. Credit reports and background checks do not show any residence or identification in the state of Nevada. This is NOT my account.
Product: Credit reporting or other personal consumer reports

To whom it may concern : Regarding XXXX or XXXX or whomever is doing this. 
Regarding my XXXX XXXXXXXX XXXX XXXXXXXX XXXX There are XXXX ( XXXX ) accidents being attributed to my vehicle that I own. There actually ARE XXXX accidents in my claims history, but NEITHER belong to the vehicle I am driving. I drive a XXXX XXXX XXXX. it is the only car that I own. 
The XXXX accidents attributed to my vehicle are being incorrectly reported. 
The first, in XXXX my previous car was in an accident and I was held responsible. The car, a XXXX XXXX, was XXXX and XXXX XXXX paid the claim. 
The second, and I am not sure of the exact date, I had a joint policy ( which has been cancelled for at least XXXX  years, with my boyfriend with whom I reside, he had a car accident on his XXXX XXXX. Because I reside with him and we had a joint insurance policy, I was attributed with this accident and XXXX XXXX paid the claim. Neither accident is actually attributed to the car that I drive. Because the XXXX accidents are being attributed to my XXXX report, or insurance information, or XXXX or somehow, it has dropped the value of my car by XXXX XXXX dollars. It made my property tax go down but if I get in an accident, it will no longer be a correct value of my car. 
Thank you very much for any assistance you may provide.
Product: Credit card or prepaid card

Direct. Express comerica bank direct deposit for government benifits is a very unprofessional thought it was a scam. Took 22 tries to get to customer service to talk to some one when card was stolen. Never asked me anout last charges no fraud dept. Said they were sending card 2 days 7 days no card called and called and called final getbthrough the card was never sent they cancalled card sent another one 2 day mail after a aweek using card it dosnt work cant use online purchaes gas staion etc. I call again card number invalid tell me to use. XXXX another scam company. What the hell i have a credit card with invalid number they tell me use XXXX are u serious. I had to order another card third card pay another XXXX to get it here in 2 days plus XXXX for replacement card. Its there fault they did something to my card worked then all of a sudden invalud card atm dosnt work either .complete unprofessional scam a bench mark card of us treasury
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX  % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 
Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 
Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly.

They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please CORRECT the accounts, or inaccurate information, from my file immediately XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXXXXXX
Product: Credit card

Date and Time of fraudulent charge : XX/XX/year> in the amount of {$2700.00} Received text on XX/XX/year>, replied NO I called the next day XX/XX/XXXX at XXXX am and I told the Wells Fargo rep that this was a fraudulent charge Received a letter to contact Wells Fargo, called was told that my claim was under investigation On XX/XX/year> I called Wells Fargo and was told my claim was denied. I never received a call or letter regarding the denied claim. On XX/XX/year> contacted by XXXX XXXX from executive offices and was told that my claim was being reopened. Case number : XXXX Information I have shared with Wells Fargo Representatives, Fraud Claim Department, and XXXX XXXX from Executive Offices : I did not make this transaction in person as its impossible to be at two places at once I work on the XXXX XXXX XXXX XXXX and the vendor is located on the XXXXXXXX XXXX XXXX XXXX  I have a record of logging into work at XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who can verify that I was working on XX/XX/year> Look at past transaction, I have never made a purchase over {$1000.00} or shop on the XXXX XXXX XXXX I have never done business with the vendor XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened my checking account with Investors Bank in XX/XX/XXXX, and have {$1500.00} on deposit. I have not been able to access my funds since late AXX/XX/XXXX. I called the bank on 2 occasions, XX/XX/2021 and XX/XX/2021 respectively. They said they would look into it, but never called me back as promised. As of now, I still don't have access to my funds and the bank has been unresponsive to my inquiries.
Product: Checking or savings account

My husband and I had a XXXX XXXX XXXX XXXX  and were sent a check from XXXX XXXX XXXX for {$26000.00}. The check was made out to myself, my husband, and XXXX ( our mortgage company ). I signed the check and brought it to Chase Bank in XXXX XXXX, CA. The check was mailed with no instructions, so I assumed I was able to deposit it- which is exactly what the bank teller did. He deposited the check into the checking account my husband and I share. I have never dealt with an insurance check before, and banks deal with them all the time... they knew better. Needless to say, the check was missing two signatures, my husband 's and XXXX 's. Therefore, Chase decided to flag the check as fraudulent. Chase Bank then decided to withhold our entire checking account from us-including our own paychecks!! We found out our checking account was CLOSED when my husband tried to get gas and his card didn't work ... .They literally closed our account without any notification whatsoever!! I went into the branch multiple times, and the bank manager is the one who actually filed a formal complaint with the executive office on our behalf, and yet our account was still closed. Our paychecks were withheld from us for SEVEN days until we got a cashier 's check. Yet, Chase kept OUR insurance $ $ and it is just floating around. Why couldn't they send it back to our insurance company? Why couldn't they just cancel it? It obviously isn't fraudulent. After filing the complaint at the executive level, I spoke with XXXX and XXXX. I was told the funds would be released to us if we sent in a Hold Harmless Letter XXXX. We received the letter, got it notarized and sent it in! XXXX said it didn't work and they would not release the funds. We literally sent them what they asked for, and they went back on their word. Out account has been closed for over two months now. I have called the executive office multiple times in the last 3 weeks, with NO call back. The water damage in our home has resulted in XXXX XXXX XXXX XXXX. OUR MONEY to repair the damages in OUR HOME is just sitting at Chase ... .they refuse to give it to us or send it back to the insurance company. I am baffled, stumped, saddened, stressed, and so furious about this whole situation. None of this would have happened in the first place if Chase did NOT deposit a check without the correct signatures. We NEED this $ $ to repair our home. We have a XXXX old, and XXXX old who have been in a home with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This has been a nightmare!!!! We need this taken care of ASAP. 
I am very much hoping that this can be resolved, and you can help our family move on from this. 
XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have told the following companies that they are improperly reporting things that I was victim of identity theft that I did not do. I have filed a case with the FTC 2 years ago.

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 

Thank you.
Product: Payday loan, title loan, or personal loan

As of XX/XX/XXXX this is the company 's response. 

Thank you for giving us the opportunity to respond. XXXX XXXX is correct that she originally obtained a loan from AmeriCash Loans for {$600.00} in XX/XX/XXXX. However, XXXX XXXX subsequently refinanced that loan in XX/XX/XXXX. Due to XXXX XXXX failure to timely make all scheduled loan payments on her XX/XX/XXXX loan, AmeriCashs counsel filed a collection action against XXXX XXXX for the outstanding balance of that loan. As a courtesy, AmeriCash has decided to release the wage garnishment for the remainder of the balance, mark the judgment as satisfied, and close the account. 

As of XX/XX/XXXX, I received a document from my employer regarding an amended/balance update that this agency is looking to collect an additional {$1900.00}. There has not been any documents received that the loan is closed and paid off.
Product: Debt collection

I am working on fixing my credit and a collection item from XXXX XXXX XXXX was on there that I could not recall what this was. I filed a dispute with them and per their investigation it was a bill from XX/XX/XXXX.  I received a letter back on XX/XX/XXXX that said I had until XX/XX/XXXX to contact the number regarding it or collections would continue. So I called because at this point I am trying to get my credit clear for certain reasons and I was going to settle with them, however they said they didn't have it and sent me to ERC collections. I called both of them on XX/XX/XXXX, I believe or maybe it was on XX/XX/XXXX, the deadline. When I got to ERC, they stated they didn't have the debt and XXXX XXXX XXXX took it back on XX/XX/XXXX. Now here I am trying to get this cleared and nobody can help me. The " alleged '' debt is from XX/XX/XXXX, which we are in XX/XX/XXXX, which seems like that is also past its time. I want to get this cleared and removed off my credit yet I am stuck. I did exactly as requested to no avail.
Product: Credit reporting or other personal consumer reports

To whom it may concern : The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires all data in a consumer 's file be documented and validated before it can be used by creditors, so I take this seriously! The allegations of delinquency and derogatory behavior against me are false. I will fight back with all my strength! Your report accuracy is crucial. The allegations you are reporting do not meet federal or state requirements for reporting, so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what is being said. You are required to maintain and report data with complete accuracy and compliance. You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, as this is required by law ( FCRA ) as well as reporting standards XXXX XXXX. However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately, or else there could potentially be serious consequences I'm giving you 30 days from the date of this letter to resolve this issue, otherwise there could be consequences. I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case. 

In accordance with the Fair Credit Reporting Act, I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the billing error category : WF/Dillards - XXXX ( 4 ) The creditor 's failure to accurately reflect a payment made by the obligor or credit issued to the obligor on a statement. 

( 5 ) A computation error or similar accounting error made by the creditor on a statement. 

It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the above linked accounts. I am in pursuit of concrete evidence from the creditor 's bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late - a sign of an invoicing error - therefore. 

I humbly request that the subsequent entries be promptly updated on my consumer credit report to reflect their current status as follows : " PAID AS AGREED ''
Product: Debt collection

On XX/XX/2018, I received a debt collection letter from Pendrick Capital Partners DBA XXXX XXXX XXXX in XXXX, NY attempting to collect a {$290.00} debt that is clearly not mine. I contacted the company explaining that the debt is not mine, that I am not related to the debtor or beneficiary of the debt, and that I did not reside in the state where the debt was incurred at the time it was incurred. Pendrick responded with a copy of the original invoice, showing the debtor is definitively not me, yet still demanding immediate payment.
Product: Credit reporting or other personal consumer reports

I received a notification on XX/XX/year> that my Experian score went down XXXX points. 
I received another notification on XX/XX/year> that it went down XXXX points. 
I tried to file a dispute online with Experian. However, they only generated report number. I could not complete the report because they blocked my ability to file a dispute. 
So I called Experian today and talked to XXXX. She said they cant give me any reason? This is NOT right. I should be able to see WHY they have randomly taken my score down a total of XXXX points within a two-week period. I know they used to give a reason for a score change. Now they just do whatever they want without any explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XXXX, I applied for a credit card at my XXXX XXXX XXXX XXXX, and at XXXX XXXX XXXX.
My credit score, according to Experian, was XXXX, I have NO debt and all my bills paid way ahead.
Currently, I have only one credit card, XXXX XXXX, and its in a constant use for ten years.
XXXX denied me any credit, because Experian ( which they are dealing with ) did n't let them see my information ; it was a Freeze on it.
XXXX XXXX XXXX refused me any credit, as well, due to my phone number missing on that file they were supposed to view.
I did call Experian on XXXX XXXX, and had a 40-min-long pleasure talking to their XXXX, in XXXX XXXX. He assured me that from now on, my phone will be on my file, but could not explain, why the XXXX it was n't there to begin with.
On XXXX XXXX, Monday morning, I called Experian, again. This time I asked to talk to USA personnel. Guess what, over an HOUR later, their lady - Manager, with initials XXXX, still did n't have my phone number on file that banks need to see, two months later, and she also had no clue, why Experian 's staff fails to type-it in, over and over and over again.
By the way, Experian 's staff is so challenged that nobody noticed that my only phone number was repeated twice, on p.2 of 4 : " The numbers you provided when adding this alert are : XXXX and XXXX. '' But when XXXX XXXX XXXX needed to see it - it vanished ...
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Because I have applied for a credit card twice, at two different banks, my credit score of XXXX  went down significantly, and I never got any approval.
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Report # XXXX
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with Experian XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Product: Checking or savings account

On XX/XX/XXXX a charge for XXXX was taken out of my account from Suntrust Bank. I did not recognize the charge so I started a dispute for this transaction and a provisional credit was issued. On XX/XX/XXXX that amount was retaken out of my account because I canceled the dispute. I called the bank and asked if anything had to be done to get that merchant paid and I was told that nothing was received by bank and that it was like it wasn't ever done. I had forgotten about it and on XX/XX/XXXX we received a bill from XXXX XXXX for the timeshare that had gone into foreclosure for the yearly maintenance fees. At that time we called XXXX XXXX and subsequently paid that charge. I called the bank that day, XX/XX/XXXX, and spoke with a supervisor and they stated that from their end they had paid the merchant but when I told them they didn't have it they escalated it to their investigation team and said I would get a call back within 2 to 3 business days. Well I never and to this day, XX/XX/XXXX, have never gotten a call from them. I have initiated all calls. I called on XX/XX/XXXX, XXXX and today XX/XX/XXXX. I have been told that they do in fact have my XXXX but can not put it back into my account and must pay the original creditor. I explained that I have already paid them and did not want to fight with them to get the money back as I have already waited months for this to get resolved. They could not and would not tell me where my money was for so long and why it has taken me to call about it and why the merchant never was paid. They also could not tell me when the merchant will be paid so that I can try to contact them to get my XXXX returned to me. I think this is an outrage and for a bank to hold my money and not pay a merchant or tell me they had my money for over 60 days and then when they finally tell me they have it, they don't know when it will be paid is deplorable. I just want my XXXX back into my account or the merchant paid.
Product: Debt collection

On XX/XX/2017 I was served at my daughters house ( I do n't even live there ) with a summons of a propose lawsuit in the amount of {$2200.00} from an attorneys office : Machol and Joannas LLLP XXXX XXXX XXXX. XXXX XXXX NM XXXX ( phone # XXXX ) and the XXXX  District court in XXXX County NM Case # XXXX I responded immediately to the courts and to the attorneys office requesting documentation to support this financial claim, Today ( Dated XX/XX/17 ) I received communication from this attorneys office stating that " The Client ( XXXX XXXX ) has reviewed and investigated your fraud claim in relation to this account and determined your dispute invalid '', this debt collector supplied absolutely no supporting documentation. This is not my debt, I do now owe this money. I am being threatened and dragged through courts for something that I am not liable for thanks to Machol and Joannnas, unscrupulous attorneys office on behalf of a unscrupulous debt activities attempt. I can send or scan all relevant supporting du=documentation to you as needed or requested, Thank you ... XXXX XXXX XXXX email : XXXXXXXXXXXX mailing address : XXXX XXXX XXXX XXXX XXXX, NM XXXX
Product: Credit reporting

This evening ( XXXX/XXXX/15 ) I accessed www.annualcreditreport.com and ordered my annual free credit report from Equifax. But the site displayed only the Credit Summary ( no details on accounts ), and when I clicked the " Save as PDF '' option, the site cut me off with a screen saying " We 're sorry, for your protection we are unable to deliver your Equifax Free Annual Credit Report online. Request by mail. '' I 'm sure if I mail in the request, Equifax will claim they do n't owe me a free report because they " already gave it to me '' by showing the Summary on the screen. I protest this unfair deprivation of file disclosure. I have a right to my whole report. Please insist that Equifax mail my whole report to me immediately at the address in my credit report. Thank you very much.