23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was victim of identity theft years ago. I submitted an Identity theft report in XXXX to the Federal Trade Commission and informed SEARS about this. In XX/XX/XXXX I received a letter from the creditor informing that the account would be removed from my credit reports and it happened. But in XX/XX/XXXX I noticed this account was reported again on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates has been continuously reporting an entry on my credit report and not validated the entry. In my previous disputes to XXXX and XXXX, they responded that the accounts were verified. To that end, I sent a dispute certified with return receipt to them. I sent my first dispute to the Portfolio in XX/XX/XXXX and their response was a mere summary drafted on their letterhead. This did not provide any substantial justification regarding the amount they were alleging I owed. As a matter of fact, it was very questionable. Thus warranted my follow response refuting what they sent. In my letter dated XX/XX/XXXX ( see attached ) ; I specifically pointed our the errors and inaccuracies that they were reporting and to date are still reporting. 

To recapitulate, Portfolio opted to not send a dunning letter notifying me that they were attempting to collect a debt. Hence violating my consumer rights that would have afforded me the opportunity to dispute the validity of the alleged debt. Additionally, in my XX/XX/XXXX dispute, they neglected to fully investigate the dispute I submitted and provide the requested documentation to validate the alleged debt they are reporting. Further, upon my sending a 2nd letter to them in XX/XX/XXXX specifically denoting the inaccuracies, they have failed to update the entry on my credit report and have failed to provide the documentation supporting them having the ability to report this account as a data factoring account. Portfolio continues to blatantly violate my consumer rights. 

Given the aforementioned information as well as the supporting documentation attached, this entry mandates a DELETION IMMEDIATELY!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres an address on my credit report that does not belong to me. XXXX XXXX XXXX XXXX XXXX, IL. is not my address. I have never lived at this address. I have never been to this address and I dont know anyone who live at this address or previously have live at this address. Ive disputed this information with Experian several times and this address is still on my report. I dont care who reported the address, obviously it was some type of mistake. Ive already resolved the issue with XXXX and XXXX. But Experian is now validating the FCRA. I have no idea who this address belongs to. But its not mine. I also have inquiries that I didnt authorize. Someone also tried to open bank accounts under my name that I didnt authorize.
Product: Credit reporting or other personal consumer reports

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant XXXX and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Product: Credit reporting or other personal consumer reports

I am disputing these fraudulent items based on the fact that they are the result of identity theft or fraud, and therefore, should not be attributed to me. I am providing the following supporting evidence : I have attached any additional evidence I have gathered to support my claim of fraud. 
I kindly request that you promptly investigate these fraudulent items in accordance with the Fair Credit Reporting Act and take the necessary actions to have them removed from my credit report. Please provide me with written confirmation of the results of the investigation and the removal of these items. 

Furthermore, I kindly request that you provide me with a free copy of my updated credit report once the investigation is complete. I appreciate your prompt attention to this matter, as it is essential to my financial well-being. Please do not hesitate to contact me if you require any further information or clarification. I am asking for your assistance to remove the fraud items in my credit file immediately : 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 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: Checking or savings account

XXXX XXXX XXXX. XXXX is truly a mom & pop business.Our accountant going through our yearly tax & finances noted a large check was withdrawn from our business checking account on XX/XX/2022. A image of the check was from a company name of XXXX XXXX XXXX with the address from Washington DC. The check was made out to XXXX XXXX in the amount of {$15000.00} & drawn from XXXX XXXX XXXX brought it to the attention of our bank JP Morgan Chase to the fact of a unauthorized signature, check sequence, incorrect routing number. I was told to order a new account & the funds will be re-credited. A week later i recived notice the claim was denied. I relied on the bank to be professionals in the finance business & obviously have a grooss negligent mistake & should be totally responsible. A police report # XXXX
Product: Checking or savings account

On XX/XX/2023 My account was/is being held from making any transactions. A debit amount of {$980.00} was taken out of my account and a amount of {$20000.00} is being held on my account keeping me from accessing my money in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX 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: Debt collection

XXXX   XXXX . I have Attempted to verify debt. But instead they just switch it to one of the  6  or so other companies they own and have them start harassing me instead of verifying debt. Basically they keep passing it around.   I first tried to get this verified in  XXXX  of  XXXX  and I did not hear anything for a while. Again I tried to get it verified last ( 60 days  )  from an online monitoring program and have yet to receive any verification. Instead a letter threatening to sue for a debt that they have yet to verify is even mine to begin with.   Never providing verification of the debt per FTC guidelines. When I look at my credit report they also have it as a new account. I never entered into any business with them. Per the rules of the FTC if there is a debt it needs to also be reflective of the  ORIGINAL  creditor. Instead they are making up dates as they go which negatively effects my credit rating.
Product: Mortgage

My problem is with Wells Fargo who is the bank for my FHA mortgage loan. I was out of work due to layoffs and tried to get them to work with me on a modification. They lose my papers many times and will not let me work with a XXXX speaker. Finally after many times they tell me I am approved for a trial modification. I make my trial payments but then I never receive a permanent plan. I try to make my payment and they will not take it. I try to find out what happened and get no answers. I ask for XXXX speaker so I can know what is happening but they won't give me one. I keep trying to get help but they ignore me and start me to foreclosure. I have good job at XXXX for last 20 years and my son lives with me and works also and helps. We also have a rental unit and my mother helps with her SSI. We can afford to make a mortgage payment, but Wells will not let me go through review for the FHA help programs for homeowners. 

I buy my home in XX/XX/XXXX and then go into an FHA refinance with Wells Fargo in XX/XX/XXXX. That was during the recession and I lose my job for a while and things are very hard. I have a rental unit but that was vacant at the time and also my son who helps me now was not working. So I missed some payments then I began trying to get help with a modification or partial claim or forbearance plan. I apply many times and they lose my paperwork and tell me they did not receive the information. Then later they say I don't make enough money to get help. When I try to find out more or get a XXXX speaker I get no help or explanation. Finally I apply and Wells finish the review and approve me for a trial modification. I make the payments on time and wait for the permanent plan. But this never comes. I try to call Wells to find out what the problem is and once again I can't talk to a XXXX speaker. I get no good answers because I made the trial payments on time but then I don't get permanent. 

I have lived in my house for 13 years and have a good job working at the XXXX and I have my son living with me and contributing plus money from my mother 's SSI and rental income. I have enough money to make a mortgage payment but Wells will not take money from me unless I pay all missed payments. I want a plan or modification so I can get caught up on my missed payments and start fixing this problem. I feel like I am being ignored by Wells Fargo and that they want to foreclose on me instead of help me or work with me.
Product: Credit reporting or other personal consumer reports

Ive requested a re-investigation and submitted all requested documents to remove unauthorized inquiries XXXX on XXXX & XXXX reporting on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted I have submitted disputes about incorrect and old addresses, several spellings of my name. I have submitted correct spelling of my name with proof of identity of my name with a current address. I have asked to remove all hard inquiries and student loans and yet none of that has been done.
Product: Money transfer, virtual currency, or money service

May XXXX XXXX XXXX  I transferred money into my chime account XXXX and was scammed out of a house and the XXXX and I complained to chime they said that they seen no fraud i filled a police report and sent it to chime and they denied my claim 4 times and even closed my chime account and refused to tell me why they won't even answer my calls anymore I even got a hold of the bank they go through and i submitted all information to them and it was still denied
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau Attn : Consumer Complaint Database XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Removal of Inaccurate Collection Accounts and Charge-Offs Under the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to bring to your attention the inaccurate reporting of collection accounts and charge-offs on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am formally requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate and intervene to ensure the removal of these inaccuracies from my credit report. 
According to my recent credit report, there are several collection accounts and charge-offs that are inaccurately reported. These erroneous entries are damaging my creditworthiness and may hinder my ability to access credit, obtain favorable interest rates, and secure housing or employment opportunities. 
I am aware that under the FCRA, consumers have the right to dispute inaccurate information on their credit reports and have these errors promptly corrected or removed. The FCRA mandates that credit reporting agencies and data furnishers must conduct a reasonable investigation when a consumer disputes the accuracy of information on their credit report. These are the accounts below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I have attached copies of my credit report highlighting the inaccuracies in question. I request that the CFPB investigate these discrepancies and take appropriate action to ensure these inaccuracies errors promptly corrected or removed from my credit report. These are the accounts below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I trust that the CFPB will handle this matter with the seriousness it deserves and take swift action to rectify the inaccuracies on my credit report. I appreciate your attention to this issue and look forward to a timely resolution. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Account # Phoenix Financial XXXX I'm unware of this debt and did not have the opportunity to dispute. Please provide validation of debt, method of verification and Assignment of debt for this account. They have placed this account on my credit report without notification. If they believe they have notified me please provide " Certified Mail Receipt ''
Product: Vehicle loan or lease

I purchased a used XXXX XXXXXXXX XXXX for XXXX dollars I put XXXX dollars down and credit acceptance became my loan servicer for the remainder amount. Ive had the car since XXXX and the amount owed is still almost XXXX dollars. I missed a few payment but all in all I pay the amount due. It was supposed to be a 72 month finance and I feel like the amount owed is never going down. I am struggling financially now and I dont understand why I still owe the same balance I started with. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries on my credit report 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

Transunion violated my rights under U.S.C. 1681 ( A ) 4 with inaccurate payment history that is really hurting my chance to obtain credit when I have told them multiple times something was not right on my credit profile their automated last response stated everything was complete and accurate can you please help me
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccuracies present in my credit report concerning the account held by XXXX XXXX XXXX, Account Number XXXX. According to my recent credit report, there are discrepancies that require immediate attention. 

Upon thorough review of the reported information, I have found that XXXX XXXX XXXX has failed to provide adequate documentation validating the existence of a contractual agreement between us. As per the Fair Credit Reporting Act ( FCRA ), consumers are entitled to verification of any debts reported on their credit file. To date, XXXX XXXX XXXX has not furnished any evidence substantiating their claim. 

Furthermore, the inaccurate reporting by XXXX XXXX XXXX is adversely affecting my creditworthiness and causing undue financial strain. I request that XXXX XXXX XXXX promptly cease reporting this disputed account to all credit reporting agencies until such time that sufficient proof of the alleged debt can be provide. 

I also kindly request your immediate investigation into this matter and investigate the inaccuracies and inconsistencies XXXX XXXX XXXX has been reporting different information to the credit bureaus which is illegal. After the investigation I kindly request the removal of any negative reporting associated with the disputed account from my credit report. Additionally, I expect XXXX XXXX XXXX to provide me with the documentation verifying the validity of the debt in question with the legally mandated timeframe. 

Please consider this letter as a formal dispute under the FCRA, and I anticipate your prompt resolution of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America incorrectly charged off an overdraft line of credit on my checking account in XX/XX/XXXX. I wasnt contacted by B of A to collect in either writing or by phone in an effort to collect. I didnt know about this default, until I applied for a Mortgage, for a new home in Arizona , in XXXX of XXXX. After trying to correct the matter, they told they had made some data base changes and could no longer collect. They couldnt find the loan in question. They would give me a letter that they wrote the debt off. Clearly that wasnt sufficient for the mortgage company. I was penalized with a higher rate. After more research into this matter and spending about 40 hours on this, I was able to find the recovery department at B of A and make the payment ( see letter attached ). This no longer shows up as a default, but 90 days late. I have banked with B of A for 40 years. I have had numerous loans through the years. I have never been late, let alone defaulted on any loan. I shouldnt be hit with 90 days late when this was B of As mistake by not notifying me of this collection. Again, there were no phone calls or letters in an effort to collect. This is affecting my FICO score and credit rating
Product: Credit card or prepaid card

Due to the pandemic I was unemployed and unable to make XXXX payment on time I called in XXXX to see if I qualified for the program they had going on to help ppl who could not make payments due to covid. I was told they could help and two months of payments would be deferred I let them know I would be able to make the payment in XXXX which I did I paid XXXX dollars my monthly payment was XXXX dollars a week later I got a alert from the credit bureau informing me my score dropped 64 points due to a late payment to Macys I called in to see if they could help and remove that since I was told my payments for two months would be deferred they told me no they could only remove it if it was a bank error. But it was theyre error Im beyond disappointed in this company and I do not want to do business with them again.
Product: Credit card or prepaid card

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information, not keeping it properly secure. This put the information at risk, leaving me exposed to potential identity theft and/or fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to XXXX, TransUnion, and XXXX to validate the inaccurate items on my credit report on XX/XX/2021. On XX/XX/2021, I sent another request to have inaccurate items on my credit report validated or deleted. It has now been over 30 days and I have not received any response. They are in violation of the FCRA.
Product: Debt collection

I receive a notice of collection from ARM Resolutions in CA for a subscription with the XXXX XXXX. I never had a subscription with the XXXX XXXX. This better not damage my credit in anyway. This is a complete fraud and I will follow up with a complaint to the XXXX XXXX XXXX also.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XX/XX/XXXX I received an email from XXXX XXXX XXXX. 
I followed the instructions and called the number. I was told that based on my credit score, I would have to enroll in their debt relief program through CDS Financial for 30 to 60 days for them to work on my credit score. They said they would get accounts dropped from my credit report so that I would qualify for the loan described on the document. They even said I would qualify for even more money. On XX/XX/XXXX I signed an agreement and agreed to pay {$270.00} a month. I called them after 30 days and again after 60 days. Each time they said they needed more time. 
So, I called in XXXX and XXXX notifying them that I had not heard from the about any progress being made on my credit report. In XXXX when I called they offered to defer my XXXX payment, which I excepted. But shortly after that I found out that one of my accounts listed with them ( XXXX XXXX  XXXX ) had been charged off, which lowered my credit score. I immediately called the and told them that wanted to cancel my agreement. I asked them for an email confirming the cancellation. I received that email on XX/XX/XXXX. ( Enclosed ) Since then I have called almost everyday asking about my refund. I get no answers as to when I will receive it. The last thing I was told was that there XXXX department has been down for over 30 days, which I don't believe. My refund should be {$1100.00} which is XXXX.
Product: Credit reporting or other personal consumer reports

15 U.S Code 1666b ( a ) They can not report a late payment as late without first sending me all information required under this law in a statement at least 21 days before the due date. I asked them twice to verify that they sent this information to me which they have yet to verify