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

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX City State Zip : XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX Date XX/XX/XXXX Dispute of Unauthorized Credit Inquiries. 
To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. Enclosed is a copy of my identification to verify my identity. I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Debt collection

I had a medical bill go into collections through atchison account managment from XXXX XXXX ive never recieved a bill with an amount or was shown an amount ive been paying on this debt for XXXX years and still owe almost the full cost of the bill the debt started out at XXXX and is just now under XXXX thousdand i havent received and documentation on this bill or what service i was being billed for
Product: Credit card or prepaid card

Hello There : My Credit card, was charged with two big electronic purchases on this pandemic era, purchases that I did not do. 
On my statement of XXXX appeared 2 transactions. One was on XXXX XX/XX/20 for {$4300.00} and other of {$3800.00} on Best Buy ; I called Citi XXXX Card to report the scam and they immediately cancelled my credit card and sent another one. Credit card issuer told me that they were going to make an investigation and put a dispute for these transactions and that I should wait until they find out what really happened and they reversed the charges. After XXXX weeks, they sent a letter stated that they found the transactions were made by me and they also sent a report generated by Best Buy with the record of both delivery transactions. One package was delivered to a XXXX XXXX XXXX Office and the other package was delivered by XXXX to my house, I called the bank and I told them that I never ordered neither received these merchandise and I never called XXXX neither XXXX to make any arrangement. 
According to Best Buy report, the thief used an email address and telephone numbers very similar to the ones I use. I asked to the credit card how is possible that the merchant do not request a signature delivery for this kind of purchases? They said that I -me- picked up one package in XXXX Office and the other was delivered to my house. I never did that nor received that. 
After XXXX weeks of back and forth calls, I contacted again to the Credit Card to see what happened with the investigation, they said that they are going to charge again the transactions to my monthly statement and I must pay for them ; they give me the option to open a new dispute, but after that dispute is closed, they never going to do anything else and they keep this amount on statement. Yesterday, XX/XX/XXXX I received my XXXX statement and they charged {$8100.00} again
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX LVNV FUNDING ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX ... XXXX  XXXX XXXX ... XXXX/XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with XXXX XXXX dba XXXX was closed in XX/XX/2021, however, the company has repeatedly refused to update my credit reports to reflect the account as closed. Their failure to do this has brought down my credit score by raising my credit utilization amount. They have been contacted by both himself and experian about this and refuse to update my credit report to reflect closure of the account.
Product: Credit card

I have been sued by small claims court in Alabama by XXXX XXXX who bought the Capital One Credit Card. The Capital One credit card was opened XX/XX/XXXX and was closed XX/XX/XXXX. XXXX XXXX XXXX, XXXX served me with papers to respond to the summons. I researched and see Alabama has a statue of Limitations of 3 years. I have never heard of these people until I got this. How do even know that they have the purchasers agreement that was agreed on. I tried to look on my credit report to find out but there is nothing on there showing this debt now. I fell under hard times my husband became ill and almost died we only had what little income I was making and sadly it is the same now. Not sure what to do
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 
My SSN # XXXX. Date of Birth is XX/XX/year>. 
My phone number is XXXX and email address is XXXX I am providing you with a copy of my driver license and a recent utility bill for your immediate review. 
The reason why you are receiving this correspondence is because I do not want your organization to release, disclosed Debt Information to any credit Bureaus or reporting agencies. I do not consent or give direct permission for your organization to release any information in regards to my credit profile. 
I want to opt-out of my information being shared and I personally request that a security freeze be placed on my credit profile within 30 days of receipt of this correspondence. 
I have notified Experian, XXXX and XXXX regarding a security freeze on my profile. I strongly request that your company take immediate action towards my initial request to Opt-Out and place a Security Freeze. 
I declare, under penalty of law, that to the best of my knowledge, the information supplied above, and all accompanying information is true and correct.
Product: Checking or savings account

I have a checking account with Chase Bank actually XXXX  accounts XXXX  I have direct deposit one I do not have direct deposit because on the third account I don't have direct deposit I have to make XXXX purchases a XXXX keep from getting any fease I'm making the purchases which bills Are being paid on that account monthly so I am making a XXXX purchases but at the end of every month I keep getting this {$12.00} and sometimes I sent the XXXX and XXXX and XXXX again I don't look at my account too often last month I looked at the account and they had been doing it for months even though there has been XXXX purchases every month white clock work But they continue to take that XXXX dollaresult for a fee for not making the purchases I contacted Chase Bank a month ago they credit me all the {$12.00} fees But again last month The fee was charged to my account again when I looked at my statement this is a ongoing situation I am unable to close the account because I have to come in to a branch to close the account as well as my son because I was the payee of his account when he was receiving social security Besides that the closest branch is XXXX and a XXXX hours away there's nothing closer and they would not do it over the phone so to me this is a loose loose situation I contact them over and over again and they keep putting my money back but they shouldn't have to do that if they would stop giving me the fee and I'm making the required purchases I would appreciate your services on helping me with this problem Thank you so very much
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX

XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XX/XX/XXXX/XX/XX/XXXX XXXX XXXX XXXX/XX/XX/XXXXXXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX  XXXX
Product: Money transfer, virtual currency, or money service

Zelle sent money without my permission several times after I declined a transaction and my bank could not refund me back the money and that resulted in me not be able to make my XXXX XXXX  it coused trauma towards my family and my financial situation and I wanted to file an complaint and XXXX XXXX did the same thing with a fraudulent complaint on an account I had for 5 years and it never happened they all are fraudulent companies that pray on the weak we dont have money to waist or throw away
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted the below complaint re : TransUnion, XXXX XXXX XXXX, XXXX XXXX XXXX corrected it & TransUnion has not. I need them to correct it as well. Here is the complaint : I refinanced my personal residence late last year. I own a rental property with a mortgage loan as well. The closing agent ( XXXX XXXX, a XXXX XXXX ) erroneously paid the mortgage loan off that was on the rental property, though all loan documents contained the correct property address. The payoff occured on XX/XX/2020 In XX/XX/2020, I received a late payment notice on the mortgage secured by my personal residence. This notice came from XXXX XXXX XXXX in Virginia. In speaking with them, the originating lender & XXXX by phone, I was made aware of the error In XXXX of XXXX, I was also made aware by credit monitoring services that a 30 day late payment was recorded for XX/XX/2020. This resulted in a XXXX point credit score drop across all 3 reporting agencies. Since then, I have been in telephone contact with XXXX disputing the entry with them twice with documentation from XXXX assuming responsibility for the error. I have also disputed the entry with XXXX, XXXX XXXX TransUnion, all to no avail, as I have received confirmation from all that the error & resulting damage to my credit is uncorrectable.
Product: Checking or savings account

The exact messages Ive sent to Venmo On XX/XX/year> I placed a purchase with XXXX. We all agree to that. XXXX told me I would have the package by XX/XX/XXXX. Package was a graduation gift for my niece. XX/XX/XXXX came did the tracking package say that it is not moving? I do not have the package. I contacted XXXX and they say oh well waiting until XX/XX/XXXX I said thats unreasonable seeing how this purchase was a graduation gift I would like a refund. Responded by saying we dont want to. I filed a dispute with you guys on XX/XX/XXXX. According to you guys on XX/XX/XXXX give you guys XXXX business days dispute will be solved XXXX business days later I was told they yall needed a couple couple more days couple more days past I was told waiting until XXXX XXXX so I waited until XX/XX/XXXX and then I contacted you guys again asking for the refund for the merchandise said I did not get. I then told you guys on XX/XX/XXXX not only is the dispute still open not only do I not have my refund do not have the merchandise that I paid in XXXX? This is why is this give me my money back. Was told by somebody that works for the same company you work for that company who did fraud by not sending me the merchandise that I paid for you guys are giving them XXXX additional days. I am highly XXXX off. I am confused as to how big is yours really {$33.00}. I am also confused as I have you so much {$33.00}. According to you guys, XXXX is not answering me. Theyre not answering you and you guys have not seen that fraud yall keep telling me were gon na protect the company. You can just absolutely not. My {$33.00} back into the account. I still dont have the graduation gift. The girl graduated a month ago
Product: Money transfer, virtual currency, or money service

1- I am a TD Bank customer and on XXXX XX/XX/2020, I wired {$73000.00} US $ to my family in XXXX per the attached TD bank receipt. I specifically, instructed TD bank to wire the funds in US Dollars ONLY. 

2- The Beneficiary received {$71000.00}, 3- I contacted TD Bank and requested them to provide me with XXXX XXXX to confirm that they had indeed wired the {$73000.00} in US funds XXXX However, TD Bank refused to provide me with XXXX. 

4- I filed a complaint with OCC and in their reply. TD Bank clearly lied to the OCC and claimed that they provided me the XXXX XXXX. The OCC advised me to seek legal assistance. See attached letter from the OCC. 

5- XXXX XXXX is the official confirmation of payment made from the sending bank and informs the beneficiary of all the details of the transaction, including any fees applied Please see attached sample of XXXX
Product: Credit reporting or other personal consumer reports

Despite submitting extensive evidence and meticulously following the required procedures, it is highly troubling that this issue remains unresolved. The existence of these fraudulent items not only damages my reputation but also jeopardizes my financial stability and credibility. Despite my ongoing efforts to resolve this matter, it is disheartening to face continual obstacles and delays in reaching a satisfactory conclusion. I urge you to treat this issue with the highest priority and take immediate action to remove the fraudulent items from my record. Additionally, I expect to be kept informed of the progress in addressing this matter and seek appropriate compensation for any damages or losses incurred due to this persistent error. Therefore, I am requesting your assistance to remove these fraudulent items from my credit file : : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed XXXX {$13000.00} XXXX XXXX XXXX Balance XXXX : {$23000.00} XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX Balance XXXX : {$42000.00} XXXX XXXX Balance Owed : {$17000.00XXXX XXXX XXXX XXXX Balance Owed : {$4600.00} -- -- -- -- Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX : {$17000.00} XXXX XXXX ( Original Creditor XXXX XXXX ) XXXX Balance Owed : {$440.00} XXXX  XXXX Balance Owed : {$620.00} XXXX  XX/XX/year> -- -- XXXX -- XXXX : XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00XXXX XXXX XXXXXXXX XXXX Balance Owed : {$970.00} XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX  XXXX Balance Owed XXXX {$17000.00} XXXX XXXX XXXX Balance Owed XXXX {$42000.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX Balance Owed : {$620.00} XXXX XXXX XXXXXXXX Balance Owed : {$4600.00} XXXX XXXX Balance Owed : {$1100.00}
Product: Mortgage

I have a home equity loan with Santander Bank. The loan was in XXXX my name and my husband who In XXXX is my ex husband. The house is only in my name since the divorce. I was and continue to make all payments. In XXXX, my ex declared bankruptcy and was told by bankruptcy lawyers I would not be impacted in any way. He was granted a discharge effective XXXX/XXXX/XXXX. Santander shut off my auto payment process to make auto pymts from my checking acct which did n't allow me to get an interest rate discount. I was told to try again in a year or so. I 've been told several other times I could not get this service and discount because of my ex husband 's situation. I think it 's an unfair practice that I ca n't get this auto payment service and discount based on my payment history and credit status.
Product: Credit reporting or other personal consumer reports

This account was CHARGE OFF on the following date [ XXXX, 2022 ]. Since then, the account has repeatedly been updated as Charge-Off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account immediately : Experian : [ XXXX, XXXX ] [ Account number : XXXX ] I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted by [ XXXX, XXXX ] [ Account number : XXXX ] substantiating their claims. Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).

According to FCRA 611 ( 15 U.S.C. 1681I ) ( PROCEDURE IN CASE OF DISPUTED ACCURACY ) they are suppose to do this : ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general. If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

In my case as a consumer, my credit report has to be XXXX % accurate. Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act 611 ( a ) ( XXXX ), i'm going to file a Small Claims lawsuit against you if you do not Delete and Remove this account from my Credit Report for Violations of the Fair Credit Reporting Act - including but not limited to Section 611.
Product: Mortgage

I've been paying the mortgage to my house which was Deeded to me for over 27 years and I have been only person communicating with PNC Mortgage who had been aware of this situation for over 25 years. MY first complaint that I would like to report concerning the PNC Mortgage is they informed me that I was behind one month in my mortgage in 2017, therefore I asked if they could provide me with the month and date that I supposed to have missed payment. PNC Mortgage provided me the information with the check number and date as they identified as the missing payment. I submitted back to PNC proof of payment along with the check number that it was paid and pointed out their mistake and they still refused to correct the issue and credit my account. PNC Mortgage continue to let by account accumulate late charges for years. Now I'm experience a hardship situation from being laid off my job in and after receiving help from the Save the Dream Mortgage Assistant program. PNC agreed to receive payment of 9 months for me from Save the Dream and did so. Now the months have ended and I'm was receiving unemployment the are refusing to work with me. My house was purchased with XXXX family member on the original loan, however XXXX people are decreased and the XXXX remaining living family member has never lived at the address and has no interested in the property. I submitted all documentation PNC Mortgage has asked me for and they still continue to giving the the run around and straight answer. Please if you would look into this matter and let me know if I could keep my house as I as wish to due.