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

Hello, My name is XXXX XXXX and the reason I am reaching out today was to complain on Pacific Union and their their lack of response and reporting. I have done everything they have asked and followed every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE FILED DISPUTE IN THE REGARDS THE TO THE INCORRECT ITEMS ON MY CREDIT REPORT.ITS HAS BEEN WELL OVER 30 TO 45 DAYS AND HAVEN'T RECIEVED ANY INVESTIGATIONS RESULTS. { ACOOUNT NAME XXXX }
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Report shows a hard inquiry from XXXX XXXX in XX/XX/XXXX. I know for a fact that I have n't authorized anyone to pull my credit since XX/XX/XXXX. Contacted Experian and they said I have to contact the company directly. Called the number listed on the Experian report and the number is disconnected. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Product: Debt collection

Harvard Collection Services, located at XXXX XXXX XXXX XXXX, XXXX, Il XXXX Phone number - XXXX The above company placed a debt on my credit report that I did not open. I was neither called or notified of any debts owed. I have never opened any accounts in XX/XX/2021 as alleged and not paid. I am in the middle of purchasing a home and this was placed on my credit, They have over 60 complaints with the XXXX  of this action also. 

After further research I found that this company creates invoices and places them on people credit report, or take years old debt and place as new debt to scare people into paying debts, They also use illegal and intimidating threats to threaten arrest and actions against people to scare them into paying false debts. 

I am requesting this information be removed from my credit report on all 3 bureaus and me notified immediately.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS : 1.XXXX XXXX XXXX 2.XXXX XXXX XXXX XXXX 3.XXXX  XXXX XXXX  XXXX 4.XXXX XXXX 5.XXXX XXXX XXXX XXXX  XXXX
Product: Credit card

Background context : American Express has been advertising 0 % introductory APR periods on their XXXX XXXX products for years now, and I have opened several of them over the years for my sole proprietorship to use the 0 % interest period. American Express also utilizes a pop-up upon applying for cards that you've previously held, which states that you will not be eligible for Welcome Bonuses ( i.e. receive XX, XXX Membership Rewards points after spending $ XXXX XXXX in the first XXXX  months ). 

On XX/XX/XXXX, I applied for a XXXX XXXX XXXX card through American Express. Upon applying, I received the pop-up saying that I was ineligible for the Welcome Bonus to earn a sign-up bonus of cash back. I agreed to the pop-up, because I was not interested in the sign-up bonus but was instead applying for the 0 % intro APR. I was approved for the card, and received the 0 % intro APR period as advertised. 

On XX/XX/XXXX, I applied for a XXXX XXXX XXXX card through American Express. I received the same pop-up as my previous application, stating that I was ineligible for the sign-up bonus. I agreed to the pop-up as before and was approved for the card. 

Finally, on XX/XX/XXXX, I applied for an additional XXXX XXXX XXXX card through American Express. I received the same pop-up as my previous application, stating that I was ineligible for the sign-up bonus. I agreed to the pop-up as before and was approved for the card. 

However, for both of the last two cards ( opened on XX/XX/XXXX and XX/XX/XXXX ), American Express did not apply the advertised 0 % intro APR period. I have reached out to them, and they are claiming that the 0 % intro APR period is a part of the Welcome Bonus offer that I agreed to be ineligible for through the pop-up. However, this is quite obviously not the case, since I experienced the exact same advertising, pop-up, and terms as the card that I opened on XX/XX/XXXX and that card received the 0 % intro APR period exactly as advertised. 

Both cards are still advertising that 0 % interest period, and nothing about the application workflow has changed to indicate that they will not honor that 0 % as advertised if you choose to be ineligible for the Welcome Bonus.
Product: Checking or savings account

On XX/XX/2022, I made a call in a XXXX search seeking for chase customer service representative number in request for a new debit card. I assumed that I called chase bank and I was told to wait 6-7 business days for a new debit new card. I waited 10 days later, and I still did not received the new card in the mail. Later on, then I called chase bank customer service representative again on XX/XX/2022. An agent told me that if I want a new card right away, I would pay a fee of {$5.00} for express mail and I agreed to it. Suddenly, the very same day, transactions of - {$9000.00} and- {$2000.00} were made with card purchase with pin ending card of XXXX and without my authorization nor any knowledge. The description of these transactions were made in Usps XXXX XXXX XXXX XXXX XXXX XXXX, NY. On XX/XX/2022 a transaction of - {$670.00} of XXXX XXXX XXXX XXXX, NY were made of a purchase with pin ending card XXXX. Then also, a transaction of - {$79.00} of XXXX XXXX XXXX CA, card ending of XXXX. I had never known of a XXXX brand nor ever did taken an XXXX ride while on XXXX XXXX NY on XX/XX/2022. I then went to a chase branch bank and was told to cancel those debit cards. I was also told to close the account and opened a new account with a brand new debit card. I was recommended by the branch to make a police report. I went to XXXX precinct in XXXX XXXX, NY and was given a detective. The detective was doing his own investigation and I was given some information. He told me that he did went to the place in Usps post office and stated that it was made a purchase of money order checks. The money order checks were created there and I had no knowledge at all. The detective told me that someone has made or sign of my name on those money order checks. I never have done a money order check in my life and nor did i never had no other purpose of it. The detective was trying to explain to me that my name was on those money order checks and has copies of it. He currently does not know who did it yet and is only awaiting for them to be cashed. I was also informed by the detective that it was an old building and that the cameras do not work. This is what I was told by the detective and those were his opinions at this point of the matter.I have spoken with a legal aid attorney and was told to look into my call history and find who I have called on XX/XX/2022. I did have called in a chase customer service representative number 4 times and I also did called in a possible scam on that day. I already requested a police report document and then demanded to have my funds back rightfully from chase bank. Chase bank has been denying my funds back ever since unfortunately.
Product: Debt collection

They removed it and then never contacted me again and now its back when Im trying to correct my credit
Product: Mortgage

Ocwen stalled our modification in many, many ways over a span of 8 months leading to them building up ridiculous fees on their behalf. Stalling tactics included : lack of instructions for filling out their paperwork, lack of instruction by phone for their paperwork, when asked several times, the changing of case representatives to make it more of a hassle when you talk to someone, dragging their feet after paperwork is turned in ( months ) just to then be informed there 's an error. The list goes on!
Product: Debt collection

Portfolio Recovery Services called my home this XXXX before XXXXI had left the houseMy ( soon to be ) ex husband ( we are still legally married ) answered the phonethe Caller Identified herself as XXXX XXXX from Portfolio Recovery Services and asked my husband who he was, he answered " her Husband '' the debt is in my name only but she then proceeded to share all the information about the debt with him ... .. 
the account number - who it was owed to and the amountHe then texted me immediately and I called him - he had written all the info down and said she was more than happy to share all the info with him about the debtthis is a prohibited practice by Portfolio Recovery Services
Product: Credit reporting or other personal consumer reports

I wish to address my recent review of the credit report obtained from your bureau. Upon meticulous examination, I observed the presence of reported late payments on my accounts, which I contest as erroneous. 
I have undertaken the necessary measures to verify any delayed payments. I am pleased to inform you that other credit bureaus have already expunged these late payments from their records. I am perplexed by the discrepancy in reporting between your bureau and the others. 

I request that you conduct a thorough investigation into this matter and, if warranted, update my credit report to accurately reflect the current status of my accounts. Recognizing the importance of precise credit reporting, I appreciate your prompt attention to this issue. 

XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX, Equifax and XXXX. 

Please delete the following account : XXXX Account XXXX : XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In XXXX my personal information was stolen from me, ID, social security card, debit card etc. 
I was notified by Santander that there was suspected fraud activity on my account, I immediately closed the account and began investigating. I took this matter to a local police station after speaking with a branch representative in person. 
Nothing like this has ever happened to me an I was a bit confused during the entire process. 
After receiving my DC number DC # is XXXX XXXX XXXX I gave this information to a fraud investigator who works for Santander.

He was not helpful at all, I was told to wait it out after I paid the balances due. 
I was told to pay these balances before they went to my credit I expressed to the representatives and police that I was unaware of what actually happened, I wasnt treated as the victim. 

Today in XXXX I am still being held responsible for this matter, and I am unable to open a bank account which is stopping me from expanding my business and buying a home. 
I just want to do what I need to to remove this matter from XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX - XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Comm
Product: Debt collection

I had a medical expense that I had been paying off, and I had paid way more than half of it. I had owed over XXXX, and had paid half a little over XXXX of it. I had been a few weeks late on XXXX of my payments, but was still paying it off and it would have been paid off before or in time with what XXXX XXXX wanted, when I went to make another payment on it when I could no longer find my account and it said that I owed nothing. I did not receive anything in the mail saying that it was going to collections. I was still actively making payments on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX 2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10.The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Following Only 2 Addresses are associated with me. 
XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Address ID # XXXX Apartment complex ====================================================================Following Addresse is NOT associated with me. 
XXXX XXXX XXXX XXXX CA, XXXX ================================================================== I did not apply to this merchant this unauthorized by TransUnion XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX ) XXXX
Product: Debt collection

after my sudden discharge for the XXXX XX/XX/XXXXMyself and Family did experience a long period of homelessness. In XX/XX/XXXX filed my income Tax for the year and learned it was Taken by the XXXX XXXX without explanation. I did pursue and completed the forms to get the information this is when I discovered That XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), had claimed all my moneys for Non-Tax Federal Debt. I took the necessary steps with the IRS XXXX to find out why. In approx. 30 day I received a Notice From XXXX Their intent to file for payments under the XXXX XXXX. This was after they had already taken action and had made no attempt to contact me in any form. I did acknowledge that I did owe the amount of XXXX. The Dept of the Treasury did send me notice that Four ( 4 ) Different payments were made to them ( Refer to attached ). So the IRS Did pay to XXXX XXXX XX/XX/XXXXand XXXXXX/XX/XXXX of which only XXXX was owed. I have called and sent letters of dispute to XXXX and their XXXX XXXX XXXX which is part of XXXX several times and the amount owed keeps getting more and not corrected. I even pointed out the accounting Errors of where the totaled owed had XXXX accounts already accounted for added back in. I did receive from them an accounting on my account which reflect XXXX unaccounted for. I did send a letter explaining their mistakes and the form from IRS XXXX Reflecting the amounts. They did a investigation and will not change the fact they did receive the moneys, clearing up my account removing the False information from my credit report and to stop further collection actions. They have received an over payment of {$4100.00} and still want another {$2300.00}. This account paid in fullXX/XX/XXXX and all interest charges are false, and do not apply. I would like my over-payment of {$4100.00} returned and credit cleared along with a letter directing IRS XXXX XXXX to cease collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I did a balance transfer fro m Barclays. I h ad the funds transferred to   XXXX   XXXX  . I waited  two  weeks, but the funds never showed up in my account. I had called   XXXX   XXXX   and they never seen those funds. I also called  Barclays. I was told that the situation was going to be taken care of in sev eral weeks. I am angered about this situation because I have payments due soon and have to pay over 20 % plus interest, but no funds.      XXXX / XXXX /   2017 FR ONT-END FEE $  XXXX   XXXX  )  XXXX / XXXX /   2017    XXXX   XXXX    XXXX  $   XXXX   XXXX   XXXX    XXXX / XXXX /   2017  BALANCE TRANSFER FEE {$6.00}  XXXX / XXXX /   2017    XXXX   XXXX    XXXX  {$200.00} v/r  XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has reported that XXXX XXXX provided them with a copy of my suppressed reported. I reached out to XXXX XXXX and they reported that the file is suppressed and was not shared with Equifax.
Product: Mortgage

Our mortgage payment is going from {$1700.00} to {$2400.00} in a month. The day its because of a escrow shortage, but its an extreme amount.
Product: Credit reporting or other personal consumer reports

This complaint to WELLS FARGO for allowing inaccurate information and fraudulent account on my credit report. As I checked my recent credit report, the inaccurate information and fraudulent account still reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Product: Credit reporting or other personal consumer reports

I request the removal of these inquiries. My understanding of this matter is limited, and the company acted without consulting me.