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

Equifax, XXXX, and XXXX all have my name and address wrong on XXXX Credit Bureau accounts. I want this corrected. 
Also, they all have Creditors with Open accounts, which needs to be corrected. Some accounts have been charged off and sold to 3rd Party Collections that never verified my name and address and did not have the correct information. 
I have an old Repossession on all XXXX of the accounts. This account was settled in 2009 but negatively affects my credit bureaus. 
I have also been denied employment because of the wrong information on my credit and the credit scores that were obtained. I can not afford any lawyer to disrupt these collections, which are all wrong on all three. So many charges date back 15 years, and this is all wrong. 
Please help me try to look into these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that as of XX/XX/2022, as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX  XXXX XXXX - {$4300.00} XXXX  XXXX XXXX - {$3100.00} XXXX  XXXX XXXX - {$840.00} I want to be explicitly clear with my request. I am not requesting validation of this debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past several months I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 
Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above-mentioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.
Product: Credit reporting or other personal consumer reports

I was looking over my credit report and i realized that my consumer report had unauthorized inquiries that I didnt know about. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be DELETED! 

It has been a defamation of my character Company name : Bank of America Date : XX/XX/XXXX Credit berau : XXXX You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my Experian consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.
Product: Checking or savings account

I am writing to provide an update on my ongoing issue with Citibank, regarding the verification process for unlocking my account. Despite their response to your office indicating that they have sent verification letters to my address on XX/XX/year>, and XX/XX/year>, I have not received either of these letters. I have informed Citibank multiple times that I am not receiving the letters, yet they have offered no alternative solution to verify my identity and unlock my account. 

Citibank continues to insist that the only method for completing the verification process is through the letters they claim to have sent. This lack of flexibility and responsiveness has left me unable to access my account, despite my compliance with their requests and the fact that I am receiving other mail from Citibank at the same address without issue. 

The lack of a resolution has caused significant inconvenience, and I believe Citibank is not adequately addressing this matter. I respectfully ask for your assistance in ensuring that Citibank provides a viable alternative for me to verify my identity and regain access to my account.
Product: Debt collection

XX/XX/24 XX/XX/24 Received Text messages from Mercantile Adjustment Bureau regarding a XXXX  account. 

On both occasions I responded to the text message with " Who are you wanting to contact? '' There was no response I have not received any phone calls or letters regarding this debt. 

To my knowledge, I do not now, nor have I ever had an account with XXXX this appears to be an online store.
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I refuse to let these inaccuracies go unchallenged. 

Despite my responsible financial habits, these errors are creating unnecessary obstacles. The FCRA is clearany outdated, incorrect, or unverifiable information must be removed immediately. I expect swift corrective action, as any further delay will only amplify the damage already caused. 

Company Name : XXXX XXXX XXXX - Account # : XXXX
Product: Debt collection

On or around XX/XX/2020, Synchrony Bank started reporting a fraudulent credit account they purchased from Paypal. I immediately reported this PayPal account as fraudulent not belonging to me. I also filed a complaint with CFPB in regards to the sell and purchase of this fraudulent account. I disputed this account directly with Synchrony and request verification of proof of purchase, signature and documentation showing who opened and sign for the account and purchases. I asked for an itemized statement showing how they calculated and came up with said outstanding balance. To date Synchrony Bank has refused to validate this fraudulent claim and now reporting this account delinquent with the three major credit bureaus in directly violation of the FCRA and FDCP. I am requesting an investigation into this blant abusive practice of buying fraudulent accounts refusing to allow consumer to dispute said account and Synchrony Bank blatant violation of the FCRA.
Product: Mortgage

I want to receive my mortgage taxes and interest refund for 100 % XXXX XXXX. XX/XX/XXXX I was declared a 100 % XXXX XXXX. I was notified in XX/XX/XXXX. I took my letter that stated my 100 % XXXX to my county Tax office who filed it which exempt me from paying taxes. They told me to send a copy of the letter to my mortgage company so they will stop collecting taxes out of my mortgage payment which will lower my payments. I kept calling the mortgage company asking them when they were going to reduce my payments. With each call I was told they would talk to their supervisor and get back with me. No one ever did. In XXXX I called and was told they would adjust my payments when they receive my tax bill in XX/XX/XXXX. I called them in XX/XX/XXXX about my payment adjustment and they said they had not received my tax bill. I was told by the Tax office my tax bill had gone out to the mortgage company and they had payed {$790.00} for taxes for XXXX thru XX/XX/XXXX which was before my XXXX rating of 100 %. I called XXXX XXXX back before XXXX XX/XX/XXXX and they told me taxes were paid and it was a good thing I brought it to their attention because I would not have gotten an adjustment on my mortgage. What he said upset me and I asked for my refund of taxes and interest which is over {$5800.00}. As of today, they are still deducting my mortgage payment of {$1200.00} which is incorrect, and we are in the month of XX/XX/XXXX. I called them today and was told they are still processing my payment and {$1200.00} will automatically be taken out of my account for XXXX. I told them to turn off the auto pay, and I want my tax and interest refund. I looked this company up and they have bad reviews and others have had the same problem I'm having.
Product: Consumer Loan

I checked my Credit report and Wells Fargo dealer had XXXX inquires on it. I asked for the application for permissional purpose and got letters back listing all kinds of dealerships.
Product: Mortgage

I believe my house has appreciated enough to get my PMI removed from my mortgage. I called Wells Fargo home mortgage customer service and asked if I needed to go through a designated appraiser of theirs to get an appraisal on my house. The customer service rep said no. I then went and got an appraisal on my house. I called customer service again and asked about next steps now that I had an appraisal on my house. This customer service rep gave me an email to get in touch with the PMI team. When I reached out to the PMI team, it turns out they have designated appraisers and BPOs that you're supposed to work with when getting an appraisal, so the first customer service rep gave me completely wrong information, causing me to waste {$350.00} on an appraisal that could not be used. Also, both customer service reps were pressuring me to refinance, when I was clear that's not what I was calling for. Wells Fargo 's mistake caused me to waste money, and I am am extremely upset about this. 

XX/XX/XXXX : Initially contacted Wells Fargo customer service about PMI removal XX/XX/XXXX : Got appraisal XX/XX/XXXX : Contacted Wells Fargo customer service for the second time XX/XX/XXXX : Contacted PMI team Week of XX/XX/XXXX : Got a letter from the PMI team telling us we needed to use their designated appraisers or BPO to move forward
Product: Debt collection

My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of this account being late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with this account from my credit report. I take this matter seriously, and I expect a thorough investigation into this dispute as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting. XXXX/HARLEY DAVIDSON CR XXXX. I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps.
Product: Mortgage

I had ( 7 ) extra, unauthorized payments deducted from my checking account.
Product: Checking or savings account

On the XXXX of XXXX, 2021, I received a text from " Chime '' with a security code I never requested and notifying me that the phone number on my Chime account had been updated. I do not have a Chime account and never requested to open one. I found an e-mail address for Chime and sent them an e-mail notifying them of their error and alerting them to possible fraud. I told them I wanted any accounts with my name on them to be closed. This on the XXXX. " XXXX '' responded, but took no action. I replied, again instructing them to remove me from any accounts. " XXXX '' replied. I sent another e-mail, and heard back from " XXXX. '' I replied to this on the XXXX, getting a reply from " XXXX '' who wanted a copy of my driver license. I submitted it, then heard back from " XXXX, '' who asked me to submit it again, but this time in a different format. I can forward this chain of e-mails to you on request. This experience reminds my of the practice of XXXX XXXX when they opened accounts without informing customers. I have sent a request for my credit report to make sure no account from Chime shows there, and I have started the laborious task of changing all my passwords.
Product: Checking or savings account

On XX/XX/19, my personal Savings account has been fraudulently checked by amount of {$1500.00} in the state of Florida. I didn't recognize this transaction until XX/XX/19. I reported this issue to Chase bank on XX/XX/19 for the first time. One of the representatives asked some questions and informed me that their would have a result within 5 business days. I tried to call the bank within the 5-day period to see if my case was going to the right direction. Unfortunately, all Chase responded was " just wait for 5 days '', and " they would get back to me ''. After the 5th business day, I contacted the bank again because I didn't see the problem was getting solved. The other representative told me that they had not finished the investigation and had no idea when it would be done. 
I deeply understand this kind of issue is not a daily event and investigation sometimes takes more than one can expect, but as a victim, I believe that I do reserve my rights to knowing all the process the bank has been taken and at least a time frame I may expect.
Product: Credit reporting or other personal consumer reports

These companies pulled my credit report without my authorization, and its had a direct impact on my credit score. I reached out to TransUnion, and although a representative promised these fraudulent inquiries would be removed, they are still present. This situation is deeply concerning, as Im now worried about potential identity theft. Beyond the stress of dealing with these inaccuracies, the damage to my credit score is affecting my financial options, limiting my ability to get approved for loans or credit, and adding even more pressure to my life.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite have insufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credit. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

On XX/XX/2022 I was sent a document from the law offices of Mitchell D Blum & Associates LLC. Their address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Tx, XXXX The document was an attempt to collect a debt and for the amount of {$380.00} The original account # on the document is # XXXX Texas law requires debt collectors to carry a surety bond and requires they communicate their bond number upon request. 

The document I was sent does not have a bond # nor does the website for this business. 

Florida Law requires a debt collector to be licensed in the state of Florida and carry a surety bond. Florida law also requires debt collectors to communicate their license and surety bond details upon request. 

I called the offices of Mitchell D Blum & Associates LLC on XX/XX/2022 to ask about their bond number to validate their are an actual business that is authorized to collect debt in the state of Texas. The associate I talked to could not communicate the surety bond number to me and was very combative. 

I believe Mitchell D Blum and Associates LLC along with XXXX XXXX XXXX are engaged in identity theft in a attempt to illegally induce me to pay {$380.00} or have my ability to engage in commerce restricted via derogatory credit reporting.
Product: Checking or savings account

I tried to withdraw funds from my apple savings account administered by Goldman Sachs Bank USA to my Apple XXXX account. Each time I try this for the past several months my transaction fails. I have been told by Goldman Sachs customer support this is because my Apple XXXX account is restricted, but green dot ( the company administering my Apple XXXX account ) denies this. I just need to be able to withdraw funds from this account to Apple Pay.
Product: Credit card

Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely NAVY FCU Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last few months I have been in correspondence with the bureaus to discuss errors on an account that is being reported on my credit report. I have been assured that the account is reporting accurately ( in writing ) and this account meets FCRA requirements.. however I have been investing too much time asking them to look into this account and it's costing me money sending correspondence ( which I would like to reimbursement for ). I am escalating this matter to put this to an end an come to a resolution of removing this account from my credit report. I will be circling my findings for easy viewing and expect the hear back at my address listed. Also send me a new credit report showing deleted items.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my Equifax credit report, I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX  Your company is in clear violation of the law. Under 15 USC 1681B- permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this account on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( I ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions- Except as provided in paragry ( 3 ), the term consumer reportdoes not include- ( A ) Subject to section 1681s-3 of this title, any- ( I ) report containing information solely to transactions or experiences between the consumer and the person making the report ; Delete this account from my consumer report Your agency is in violation of 15 USC 1681 Sincerely
Product: Credit reporting or other personal consumer reports

My credit was ran by Citi bank without authorization. This is caused a debt into my credit report. It is causing me pain to continue to deal with this.
Product: Debt collection

This account was place on my credit reporting without my knowledge. The company could not provide me with any information. 15.U.S.C 1681S ( A ) ( 1 ). A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year>XXXX  My correct Social Security numberXXXX My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX My employer is : XXXX XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX consumer service department Attn. : Consumer Relations XX/XX/XXXX To Whom It May Concern, On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were INNACCURATE. To date, I have not received a reply from you or any acknowledgement that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 
Since this is my SECOND request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 
Please see my reasons for dispute below : XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : Please remove XXXX. The inquiry was XXXX XXXXXXXX Date of inquiry : Please remove 7. The inquiry was XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XX/XX/XXXX it from my credit report. 
not authorized XXXX it from my credit report. 
not authorized I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 
XXXX Sincerely, _____________________________ XXXX XXXX
Product: Credit reporting or other personal consumer reports

I contacted my XXXX XXXX in regards to them not reporting my account information to Experian and I contacted Experian and let them know they werent making my XXXX  XXXX account info available, like XXXX XXXX and XXXX are. As a result my total credit line does not show my XXXX  XXXX account or my credit line on Experian. XXXX  XXXX, 30 days later said they are providing the information, but theyre not because Experian is not making the data available. So one of the two arent providing it and each one is pointing fingers at the other about the issue. Only 2 of my 3 cards are being reported with a total credit line of {$2500.00}. XXXX  XXXX is missing, another {$6500.00} in credit line which would be {$9000.00} total, not {$2500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX posted, I owe {$1400.00} on XXXX XXXX XX/XX/XXXX TransUnion posted, I owe {$1400.00} on XXXX XXXX XX/XX/XXXX I paid the full amount {$1400.00} to XXXX XXXX. 

On my credit report XXXX XXXX & Trans Union posted the incorrect information. I don't owe {$1400.00}. 

XXXX  XXXX credit card was paid in full on XX/XX/2023. XXXX points was DEDUCTED from my credit score. I want the XXXX points restores. I want the correct amount of money owed posted XXXX XX/XX/XXXX XXXX XXXX received full payment for {$1400.00} 1. TransUnion posted the incorrect amount on XX/XX/XXXX {$1400.00} 2. XXXX XXXX posted the incorrect information on XXXX XXXX XXXX XXXX states I owe {$1400.00} to XXXX XXXX, false, inaccurate, incorrect information. I OWE XXXX dollars, I paid the debt in full on XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a account with XXXX XXXX XXXX XXXX  XXXX but it is not reporting on my credit credit. Why is this account not reporting on my credit report?
Product: Debt collection

I paid a collection of {$1200.00} to XXXX XXXX apartment complex in XX/XX/XXXX. I summited a consumer disputed with the XXXX and XXXX with prove of the payment to the apartment complex. the company PROCOLLECT , INC told the credit bureaus that the information was accurate. on XX/XX/XXXX at XXXX XXXX  PST I called PROCOLLECT , INC at the following phone XXXX, I spoke with the representative and ask him in regards the collection account to which he told me the information that shows in my credit report, then I proceeded to ask him when was the last update that they got in regards to the debt, and he told me that they got the account back in XXXX. I proceeded to tell him that I paid the apartment complex to debt in full and that how is it possible that my account is still reporting with all the amount owed still. the representative told me that he saw the dispute I submitted in XX/XX/XXXX, and that I still owed the debt. he also told me that it didn't matter if I pay the complex the account was theirs and I still owed the debt. he also told me that their is no point on me explaining anything that I still owed the debt. I try to explain to him that I pay the apartment complex directly and that I have the prove of payment, but he still insisted that it does not matter I didn't pay his company. then i proceeded to thank him and disconnect the call. 


PROCOLLECT , INC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX