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

I hope this letter finds you well. I am writing to formally file a complaint regarding the numerous unsuccessful attempts I have made to have fraudulent items removed from my credit report. The persistence of these inaccuracies is causing me significant distress and financial hardship. 

The fraudulent items in question have been negatively impacting my credit score and financial standing for an extended period. I first identified these discrepancies and have since been diligently attempting to have them corrected through your organization. Unfortunately, my efforts have been in vain. 

I initially submitted a dispute request to have these fraudulent items removed, providing all the required documentation and supporting evidence to demonstrate their inaccuracy. Despite following the proper procedures, my dispute was denied without a clear explanation or thorough investigation. 

Undeterred, I submitted a second dispute request, reiterating the evidence that the items are indeed fraudulent. To my frustration, this request was also denied without any indication of progress or resolution. 

In light of these unsuccessful attempts, I made a third and final effort to address this issue, hoping that my concerns would finally be addressed appropriately. However, I have not received any communication indicating that my dispute is being actively investigated or that there has been any progress toward its resolution. 

I can not emphasize enough the severe consequences these fraudulent items have had on my financial well-being. They have hindered my ability to secure loans, credit, and favorable interest rates, making it exceedingly difficult to meet my financial obligations and achieve my financial goals. 

I urgently request that you take immediate and effective action to rectify this situation. I expect a comprehensive and impartial investigation into the legitimacy of these fraudulent items and, if found to be erroneous, their prompt removal from my credit report. Furthermore, I request written documentation confirming the removal of these fraudulent items and their effect on my credit score.

I also urge your organization to enhance its dispute resolution process to better serve customers. The repeated failures to address this matter properly have eroded my trust in your ability to manage credit reporting accurately and fairly. Kindly assist me in removing these following fraudulent items : XXXXXXXX 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 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 card or prepaid card

To whom It May Concern : I have been a PNC Bank member for 20 years. I have never asked for a credit card increase. I did so on XX/XX/XXXX to take advantage of a 0 % transfer offer. I was told on the phone that the increase was approved and I would receive a letter detailing the new limit. 

Instead, I received a letter today saying I was denied because of either a ) my credit score, b ) late payments c ) credit line balance or d ) amount owed on my PNC card. 

However : XXXX. My credit score is XXXX ( it states that on the letter ) XXXX. I have had zero late payments. 
XXXX. I paid off my home equity loan, so my balance is XXXX. 
XXXX. I owe {$10.00} on my credit card, which I pay off every month. 

I earn {$120000.00} a year. I have had the same credit limit for 20 years. No one at PNC can explain why I was denied when I provide information that none of the reasons they claim are true. 

There seems to be some fraudulent behavior happening on the bank 's part because they would rather I use the money on my high interest home equity loan than take advantage of the 0 percent credit card deal. 

I look forward to the bank 's review of its credit assessment issues. Feel free to contact me with any questions.
Product: Vehicle loan or lease

On XX/XX/XXXX I was approved for a car refinance loan through an Auto Pay lender. I worked with an agent- XXXX XXXX and had the documents notarized and sent the following Monday, XX/XX/XXXX. XXXX called me on XXXX and noted I missed a signature on one of the pages, then noted I needed additional documents. I told him to send me something in writing so that I could get him the documents. I never received an email listing the documents so I followed up with him the next week and was ignored. On XX/XX/XXXX he texted me and said he sent the email but I responded I never received an email and tried to verify my email address. I was ignored again. On XX/XX/XXXX I wrote the company and email asking for a new agent as the loan process has been delayed due to unresponsiveness. A new agent called me on XXXX and said I would have to start the process all over again and would require another hard credit inquiry. 

I declined applying AGAIN since I did not want another hard inquiry and I don't trust this company. I am concerned my data may have been used inappropriately or stolen. The company refused to give me anything in writing and would only call me to apologize.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

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 card or prepaid card

XX/XX/2022 a capital one XXXX credit card was applied for in my name and it wasn't me my wallet got stolen which had my social security card ID etc in it. There was roughly {$900.00} spent on the account but the account says XXXX but after adding up all the cash advances it came out to be about {$900.00} also there are other loans applied in my name and an XXXX account thats been used all month long
Product: Debt collection

They have been calling saying we owe XXXX but they can do a hardship now and we can make 3 payments of XXXX starting today. They said they are from XXXX XXXX XXXX and if it is not resolved today then hsbc which is closed according to the woman we spoke to. That hsbc will be sending a law suit to XXXX County for the full amount and we will be required to pay the full amount in court. They knew all of our information last two places we lived last four of our ssn. They emailed us a letter with an address of XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX. Phone number XXXX. I have called hsbc bank to see if they have any information for an old account and they do not. I called XXXX XXXX because the woman said XXXX XXXX took over the company. But XXXX XXXX had no information. I called XXXX to see if they had any information on this on my husbands credit report and they have nothing. The woman who called us also mentioned that this account is old and will not show up on our credit report.. which was weird to me.
Product: Credit reporting or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report it has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Product: Debt collection

Rent recovery is unable to properly provide the necessary documents to validate that this debt belongs to me.
Product: Debt collection

A debt collector reported a false debt to the credit bureaus without any previous attempts of communication with me. Automatically added as a collection and dropped my score XXXX points. Same day it was reported, I called to have a debt verification letter sent and the representative refused. I was hung up on and when I called right back, was transferred to same person and was immediately hung up on again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the past and present, I have addressed inaccurate information on my Experian Credit Report, by contacting Experian US Customer Service, Experian US Fraud Department, which has been immensely heartbreaking. For example, on XX/XX/2020, I received an alert from Experian stating my credit score has decreased, I immediately accessed Exeperian Account and noticed a new creditor, XXXX XXXX XXXX, I immediately contacted Experian Fraud Department and initiated a disputed, to which I received confirmation.. In addition, after thoroughly researching XXXX XXXX XXXX, the phone was not in service, therefore, On XX/XX/2020, I contacted Experian Fraud Department and inquired about the Fraud investigation, and as usual or not to my surprise, XXXX stated, it is too much paperwork to verify the reporting agency information, wait the 30 days, which will end XX/XX/2020. Furthermore, I was informed the investigation was my responsibility. Therefore, I implied, my investigation stopped when the phone was out of service. Next subject, in the past I have disputed other information, which was supposed to removed in the first six months of 2020, however, every time, I disputed inaccuracies to the reporting companies, the date changes and pushes forward the deletion date further. I inquired and complained to Experian Customer Service attention several times, and the response I receive is, " it is up to the reporting agency, '' my response " in a fair society, Experian is supposed to report the truth, not side with someone who has paid their bills. '' In addition, because I pay for the monthly subscription, I have a copy of all the before and after disputes. For example, I disputed a company four times, and each time the date of deletion has changed with the most recent XX/XX/2020 instead of XX/XX/2020. Experian Customer Service has displayed uncaring professionalism, quoted inaccurate FTC policies, and openly displays racism. For example, I have spoken to XXXX more than one time and her behavior exemplifies my description. Next, with the exception of the one account, I have spoken to the companies, who have stated to remove derogatory accounts from credit report, and Experian has found a way to not honor the companies request, by not doing their jobs, and demanding more information, by bullying the company to not remove this information. Finally, I had one company, who did not take being bullied lightly and in XXXX  2020 removed the derogatory information from my report, however my Experian Credit Score did not increase. Instead, I received other promotions from Experian, which required my banking information. Experian Credit Bureau is dishonest, deceitful, unprofessional, and racist. Therefore, please investigate my descriptions.
Product: Mortgage

I have a case already opened by CFPB ( XXXX ) Recently I received a Mortgage Account Statement from Ocwen that was rather Disturbing. 
Ocwen indicated that my original loan amount was {$900000.00}. This amount is completely inaccurate. I have emailed and fax a qualified Written Request ( QWR ) asking Ocwen to send me the original deed of trust and note that i have signed when i bought my house back in XXXX 2007. A XXXX has gone by and absolutely no respond from Ocwen. I have called to followup and every time after being on hold for a very long time somehow the phone gets discounted. what should i do now?
Product: Checking or savings account

I completed these activities through XXXX XXXX XXXX XXXX XXXX Enrolled in and funded a XXXX XXXX checking account through XXXX XXXX XXXX. I connected a XXXX checking account with the Plaid service. 

XX/XX/2024 -- Enrolled in and funded a XXXX brokerage account through https : XXXX. I connected a XXXX checking account with the Plaid service. 

I sent funding from, and login information for, my XXXX checking account when using Plaid on both occasions. 

The Plaid service asked for my username and password to fund account when enrolling with novo. 

When enrolling with XXXX, the Plaid service asked for my login information and a one time passcode sent to either my phone or email associated with my XXXX account, mirroring the log in steps when logging into XXXX directly. 

The first occasion did not require a one time passcode to be entered to connect the accounts. The second occasion required a one time passcode to be entered to connect accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX placed 5 derogatory accounts on my consumer report, I have asked for verification be sent to me however I never received any documents showing proof However XXXX XXXX took it among themselves to feel as is they could just place inaccurate accounts on my report. 
According to 15 USC 1692a ( 2 ) the term communication means conveying of information regarding a debt directly or indirectly to any person through any medium. Any medium includes oral, written, electronic or any others which includes nonaffiliated third parties such as the 3 CRAs. 15 USC 6801 ( a ) states it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Be Advised that I have not given any Company consent to share my nonpublic personal information. This Company has not only infringed my rights to privacy but has violated multiple Federal Laws. Transunion allowed XXXX XXXX access to my consumer report without my permission, XXXX XXXX had no legal documentation allowing for them to give my personal information. Information obtained by aggravated identity theft is defiantly illegal. I have had ongoing problems with the 3 Credit Agencies not doing their job to properly verify accounts before placing them on reports. This has been reported and will remain being reported as SOMEONE IS BREAKING THE LAW. REMOVE ALL FALSE INFORMATION NOW, XXXX XXXX could not send verification to me proving these accounts where mine. They SAID ALL FALSE ACCOUNTS WOULD BE REMOVED, YET THAT HAS FAILED TO HAPPEN. Alot of illegal activity going on. XXXX XXXX still has not responded to the last Complaint. With that being said I'm requesting that the documents XXXX XXXX presented to Transunion be mailed to me along with information Transunion gathered that gave them the authority to give access to my personal information. I'll be looking for these documents in the mail along with an updated Credit Report. Again, I have not given anyone permission to share my personal information. I will have this looked into by Federal Authorities as it's clear that these accounts were placed on my report with extortionate means as a way to coerce and swindle me into paying debt that does not belong to me. You have damaged my credit. I will seek compensation for all of this.
Product: Debt collection

On XX/XX/2020, I discovered some accounts on my credit report that did not belong to me, that happened right after I pulled my report. I do not know how, but the accounts were there. On XX/XX/2020, I started my journey of removing accounts that were not mine on my credit report, little by little the accounts are coming off, unfortunately, I am still getting in the mail collection letters regarding accounts that are removed from my credit report. Sometime between XX/XX/XXXX and XXXX, 2020, I received XXXX collection letters dated XX/XX/2020 ( same date on both ), trying to collect on the same alleged account with LVNV FUNDING LLC, the name of the XXXX collections are RESURGENT, CAPITAL SERVICES and XXXX XXXX XXXX XXXX, XXXX, the account that they are trying to collect on is part an issue with Identity Theft. By the way, can XXXX parties collect on an account at the very same time? ... Well, I am reaching the CFPB to do a complaint and accelerate the process of fixing this Issue.
Product: Credit card

On about XX/XX/year>, I took advantage of a balance transfer promotion by Citi where the transfer would be interest free for 18 months ( I believe that is the term ). I incurred a transfer fee of {$180.00} which I paid to bring my balance back down to the original transfer amount of {$6000.00}. I was then enticed to make purchased, as I would get 2 % back ( 1 % for purchase and 1 % for payment ) plus another incentive for making purchases in the first 3 months. I did make purchases. I paid them off in full- as my current balance is below the original {$6000.00} interest free amount- it is currently at {$5700.00}. Citi is saying because I used the card for other purchases, even though my balance is below the original interest free amount, I will now be charged interest on the entire amount outstanding - currently at {$5700.00}. This is unfair, deceptive and an abusive practice against a senior citizen ( over XXXX )! They get a fee for {$180.00} to make the transfer, entice me to make purchases, and even though my balance is below the original {$6000.00}, I get charged interest on the whole amount? I want Citi fined, I want to be compensated for this abusive practice, and I want Citi to honor the original offer of having this {$6000.00} balance interest free for the original period.
Product: Credit reporting or other personal consumer reports

When reviewing my credit report this morning, I was shocked to see an unauthorized inquiry that I did not recognize. I check my report regularly, and this has never happened before. I refreshed my browser, hoping it was a system issue, but nothing changed. I am beyond frustrated and need this to be fixed immediately. Please thoroughly review my submitted documents so I can stop worrying about this.
Product: Debt collection

I have no financial responsibility to this company whatsoever. My belief is that these cards were fraudulently opened in my name. I sent letters on XX/XX/XXXX and XX/XX/XXXX requesting documented proof of who opened these accounts and have not received anything other than a bill. That doesn't help at all! This debt is on my credit report MULTIPLE TIMES. It is reported by the original creditor SYNCHRONY BANK and then new companies XXXX XXXX and XXXX XXXX are re-aging this account by re-inserting it on my credit report again and then reporting the account as RECENTLY active. This is completely unfair to me as a consumer.
Product: Checking or savings account

Card starts declining on XX/XX/XXXX XX/XX/XXXX Attempt to sign in on Wednesday  XXXX  after arriving home from our destination wedding to figure out why its declining. Find out I am locked out of the online account. 

Thursday  ( XX/XX/XXXX ) call Truist at XXXX to figure out what happened. Ended up talking to a supervisor who told me its locked due to a check I deposited on XX/XX/XXXX in person from my father. This was our wedding gift from him. The supervisor put a hardship rush on the investigation and said id hear from them in 2 business days. I did not hear anything from them. ( Called my father after this to confirmed the money had already been taken out of his account, and it was on XX/XX/XXXX ) no access to funds on XXXX XXXX for the weekend Called Truist at XXXX Monday  ( XXXX ) after hearing nothing and was transferred to fraud. Told the same story, my account is still locked and theres nothing they can do. And to just call back tomorrow. Asked to speak to a supervisor and she said Id hear a new update by end of day. No update at end of day. Attempted logging in twice that afternoon. 

Tuesday  ( XXXX ) called Truist at XXXX Talked to a woman XXXX transferred me to fraud Talked to a ( women ) at XXXX with the fraud department- said something about the check not clearing- or being deposited back? Transferring me to a supervisor at XXXX. 
supervisor ( women ) at XXXX Said theres nothing she can do. Filed a complaint on my behalf and also said this could take up to a year to release my funds. No resolution. Told to call back Wednesday morning Called Truist at XXXX with my dad to try to get further information and got nowhere again. 

It is now day 10 with no access to my funds. I am behind on all my monthly payments, including rent. I have gotten no answers from Truist as to what is happening to my money and account.
Product: Mortgage

Lost my home to hurricane Florence in XX/XX/XXXX. at that time was with XXXX mortgage. unknowingly my mortgage was sold to XXXX XXXX XXXX. to which i was never contacted about and i have been trying to get my money to fix my house from them. So after wasting my time filing claims with XXXX for several months I find out through them that my mortgage has been sold to Flagstar. Flagstar claimed all i needed was a final inspection to receive 95-100 % of my money gave me an inspectors number to contact 2.5 weeks ago and person never got back to me or my contractor to set up appointment. after numerous calls ( at least 10+ ) by myself & inspector to Flagstar & inspector I find out TODAY that this specific inspector has been a problem and  was fired. why was this never relayed to me during my numerous contacts with Flagstar? several times Flagstar told myself & my contractor that we would be contacted within 24 hours by an inspector & that NEVER happened! The last being 2 days ago. Flagstar has not tried to rectify my situation while I have roofers & contractor to pay for work rendered & and unlivable home in which I have been displaced from since XX/XX/XXXX. I am at my wits end and am tired of being taken for a fool! I need my money & my home put back together. It is not my fault that this company can not get an inspector out to my property in a timely manner it is the companies fault! This is my money to which I need NOW so I can get back into my home! Please help me thke care of this situation! Thank You XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2020 I contacted Schrony Bank regarding Lowes 's credit card to dispute 30 days late being reported on my credit file. The online representative typed she could not do anything and I told her that I would be contacting the CFPB and she told me that she would note the account. I did not pay the account 30 days past due.