23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Belk company has the same account listed on my credit report twice. The amount due is the same yet different account numbers are noted. I have requested validation for each account and have not received any validation. Therefore I concur both accounts are incorrect and would like them removed from all 3 credit bureaus.
Product: Debt collection

Citimortgage has placed several false statements on my XXXX XXXX XXXX consumer credit reports. My mortgage was discharged in Chapter XXXX bankruptcy XXXX XXXX, 2011. They have entered " missed payments '', " late dates '', " foreclosure '', and a " dismissal '' on my credit reports post bankruptcy. The mortgage was never reaffirmed and personal liability ended along with my discharge. They are attempting to re-age the account so that I can not recover from bankruptcy. When I disputed the information to both credit agencies, Citimortgage added even more damaging data. Reporting post discharge data without reaffirmation is a violation of my bankruptcy discharge. I can not be late on a account in which I have no personal liability & a foreclosure post bankruptcy, is a action against the property not me. They have XXXX years worth of entries post bankruptcy.
Product: Debt collection

I received notice from XXXXXXXX XXXX XXXXXXXX regarding a debt that I did not recognize and filed an identity theft case with FTC on the identity theft website and sent a letter of validation to XXXXXXXX XXXX XXXXXXXX on XX/XX/2022. On XX/XX/2022 they requested a default judgment and did not comply with my letter within 5 days and continued to collect the debt and sue me. I did not receive any validation so I sent a second letter of validation dated XX/XX/2022 and specifically stated that they should send me everything in writing and to stop all phone calls. XXXXXXXX XXXX XXXX continued with the case and filed for a summary judgment on XX/XX/2022. On XX/XX/2022 they continued to call my phone and left a voicemail message to call them which violated my cease and desist letter regarding phone calls. On XX/XX/2022 I received a notification from XXXXXXXX XXXX XXXX which included information about the debt which I disagree with so I filed an objection to the summary judgment on XX/XX/2022 and oral arguments will be heard on XX/XX/2022.
Product: Money transfer, virtual currency, or money service

My Union Bank had deducted an amount of {$1800.00} from my XXXX XXXX on XX/XX/XXXX. 
The credit was not available on the XXXX of XX/XX/2019. I called the customer service people at UB Credit Card ; who said it is totally at their discretion as to when they release the funds - is this possible?
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found that XXXX XXXX XXXXXXXX XXXX XXXXXXXX has been reporting inaccurate information to my credit report. By the FCRA 15 U.S.C sec 1681i ( a ) 5 I ask that this item be investigated and removed from my credit report.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below, which still appears on my credit report after your investigation. I request an immediate reinvestigation of this item, as the inaccuracies are highly injurious to my credit score. 

Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above account, so that I may follow up. 

Additionally, please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didnt do any credit inquiry with Capital One Auto for any auto loan.
Product: Credit reporting or other personal consumer reports

There was a security breach and my information has been leaked and information on my credit report is incorrect and or I personally never opened an account with XXXXXXXX XXXX/Upgrade XXXX XXXX some accounts show delinquent or charged off. Also credit inquiries over 15 of them, in which I never approved of or asked for, they do not belong to me and would like information removed from my credit report! Thank you for your help!
Product: Credit card or prepaid card

I got letter in the mail from Target that credit card was declined and needed my driver 's license, social security card and a copy of utility bill. I called Target told them I never applied for card. The lady told me the email that was used it was not correct, also driver 's license number was incorrect also.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 The consumer noticed that the accounts appeared on their credit report and the investigation never returned the information I was requesting about the accounts. The account are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This company is violating my consumer right to privacy according to 15 USC 1681b 2. The company also has NO permission to report ANYTHING using my info according to 15USC 1681 4. The FCRA ( federal law ) says that as a consumer, you are legally allowed to challenge the validity and accuracy of these addresses. And when I challenge these addresses, its called opening a dispute. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and noticed i had fruadlent accounts on my report. Please Remove these accounts from my report, they are hurting my ability to obtain.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account Number XXXX {$9300.00} XX/XX/2019 XXXX/XXXX Account Number XXXX {$380.00} XX/XX/2019 XXXX XXXX Account Number XXXX {$40000.00} XX/XX/2019 XXXX Account Number XXXX {$4400.00} XX/XX/2019 Were not removed in the report. 

TransUnion did not remove this one XXXX/XXXX   {$100.00} XX/XX/2019
Product: Debt collection

Collection company XXXX  called me XX/XX/19 to collect a debt. I was at work so I asked them to call me back after work on Monday. They didn't call back so I made a call to them on XX/XX/19 in regards to this debt. A gentleman answered the phone and verified my information. He asked about settling the payment for XXXX. I told him I was unable to do that because I am a single mother of the children. Based on my finances I could make a {$500.00} payment to satisfy the account. I wasn't able to make payments due to my financial hardship. He was pressing to set up a payment plan which I told him several times I was unable to do. Then he got upset and told me that if I was unable to do this then he will write that I am refusing to settle the debt and they will garnish my wages then hung up on me.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries.

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other.

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2023 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/2023 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXXXXXX XXXX Inquiry XXXX XXXX XX/XX/2023 Reason : I don't recognize this inquiry
Product: Debt collection

XXXX was paid in pull to XXXX. This should not have been sold.
Product: Credit reporting or other personal consumer reports

I believe that my information is being misused and reported as inaccurate and I am filing this complaint to JPMCB CARD. In my credit report from XX/XX/2023, I found these derogatory items that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

On Tuesday, XX/XX/XXXX around XXXX central time, I used an ATM provided by Hunting Bancshares to deposit an unknown amount of money. It was at least $ XXXX dollars. I bank with XXXX and used my debit card to deposit the cash. 


The ATM allowed me to deposit and opened the cash chute. I place my bills in, and it says " transaction failed '' or something along those lines, and the cash chute closes. I had one {$20.00} bill left, so in the hopes that my cash was still in the chute, I reenter my debit card to deposit again to find that the ATM had taken my cash. I deposit my {$20.00} dollar bill, which is accepted by the ATM. I did not ask for a receipt because I am under the assumption the transaction went through and was accepted, and I instead wanted to focus on getting my large amount of funds back from the ATM. 


I quickly talked to the bank teller, who told me to contact the support line on the ATM since their ATMs are managed by a third party and not the branch. The Huntington support line tells me to contact XXXX since it's an issue on their end. However, after calling XXXX, they informed me that they do not accept ATM deposits and to call Huntington. The back-and-forth between these two banks continues.

It has been almost a week, and every time I reach out to Huntington they tell me that they can investigate the issue and look into it, but they can only do so if XXXX files a dispute. However, XXXX tells me that they can not file a dispute since they do not accept ATM deposits and that there is no record of transactions showing on my account, so there is nothing for XXXX to dispute. 


I talked with the Huntington branch manager today, XX/XX/XXXX at around XXXX central time, who told me the same thing -- there is not much that can be done unless my bank files a dispute. However, my bank is not involved with the transaction since one was never made and could not be made by the ATM. The branch manager said that after contacting the third-party ATM operator, they were able to confirm that I made a transaction of {$20.00}, but that it was a failed transaction and not accepted, even though the machine told me it was accepted.

The branch manager also suggested I use the ATM to withdraw and " prove '' that I have access to the ATM and that XXXX XXXX be able to file a dispute then, but after calling, XXXX said that is not how their dispute process works and they can only dispute the specific transactions themselves, and said that the advice given to me was not ideal. 


I have asked for the ATM to be audited or balanced, security camera footage, or for some sort of evidence that may be sufficient for XXXX to file a dispute. But they can not give it to me before a dispute is filed, but XXXX can not file a dispute in the first place, and says the issue is entirely consolidated with Huntington and their ATM ( which I personally agree with ). 


It is a frustrating circle of events that I feel trapped in.
Product: Debt collection

Convergent Outsourcing has reported to the credit bureaus that I owe them money. I have written and asked for validation and still have not received anything proving that the debt is mine. They also have pulled my credit report several times without my permission or knowledge. I never authorized for my report to be pulled, nor do I owe them any money and they will not provide proof.
Product: Mortgage

FOR THE RECORD XX/XX/year> Attn : CFO of Wells Fargo Home Mortgage and Wells Fargo XXXX. 
I submit unto you in as CFPB as witness my revocation of Power of Attorney to the corporation/ financial institutiions known as WELLS FARGO aka WellsFargo and WELLS FARGO HOME MORTGAGE aka XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I got hit with an inquiry from SYNCB National Credit Cards/Airlines, and just like some others, I was given the run around. Synchrony claims they don't own the account and that it's a known error with XXXX XXXX. XXXX XXXX tells you to contact the credit bureaus and then XXXX  tells you to contact Synchrony ... .thus an infinite circle of contact _____________ who will then tell you to contact ______________. I finally figured out I could file a complaint with Consumer Financial Protection Bureau and they get it done.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I notified the company in writing of my correct address and provided documentation on more than one occasion. XX/XX/XXXX, and then again in XX/XX/XXXX, as recent as XX/XX/XXXX. This is unacceptable and outright neglects the information I provided. I provided proof of address and Identification verifying my correct address and still the same result. See attached below : a copy of my identification with my valid address, a letter sent back in XXXX of XXXX, and an attachment of my current information on my consumer report. The home address is correct but the town is wrong and it clearly shows on my ID.
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit card was opened in my name by someone else. I have talked with the Bank that the card was opened with and they have said that they have deleted the account. XXXX will not remove the account from my credit report. I have disputed it multiple times
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. On XX/XX/2022 I sent a letter for the inaccurate accounts on my credit report. It has been days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate these items gives me a reason to immediately repair or delete the items from my credit report, they should be promptly corrected. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The information, therefore, needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be corrected immediately : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Mortgage

Recently I contacted Cadence Bank to have my PMI removed as the value has drastically increased according to my property tax records. My home has been owned for many years now, and Candence now calculates my escrow using county records. When I called, Cadence asked me to provide me with a copy of the county records and submitted this as requested. Public records show my home to be valued at {$200000.00}. On XX/XX/2023 I received a declination for my PMI declination, as Cadence indicated that although my escrow was being calculated on this amount, they would still honor the sale price of what I purchased the home for which was {$140000.00}. They continued adding that the only way they would remove the PMI could either pay {$450.00} fee to request an appraisal, or {$190.00} to perform a Broker Price Opinion.

This in my opinion is unfair and deceptive as in the one hand my esrow is being calculated on the county value, however I'm being charge a monthly PMI for Cadence 's opinion that my home is worth considerably less. Does not make sense. The only would to fix it, is if I pay them more money. Doesn't seem right. 

My current mortgage balance is {$120000.00} as of the date of the letter I received from Cadence Bank.
Product: Checking or savings account

XX/XX/XXXX Realized that multiple withdrawals were made from our account, and called to file a claim with Chase. Informed that these withdrawals were in a Pending status, and we should wait until tomorrow to see if they would clear. Withdrawals were made in New York ; we live in Illinois XX/XX/XXXX Withdrawals cleared. Called Chase and filed another claim. 
Spoke with XXXX and XXXX At this time, we are out XXXX XXXX x XXXX = XXXX XXXX XXXX XXXX XX/XX/2020 Chase issued temporary XXXX credit to savings account XX/XX/2020 Spoke with XXXX from ID Theft dept. Told us that we would receive an Identity Theft kit within the next 10 business days. 
Also informed that they shut down the two unauthorized accounts. Once they were closed, we would receive the balance that remained in those accounts Advised to go to local Chase branch and close/re-open Savings account. This was done on XXXX XX/XX/XXXX Followed up and spoke with XXXX, asking why I cant see balance returned to my account, and where is ID theft packet. She advised that each could take up to 10 business days XX/XX/2020 Spoke to XXXX  She consolidated previous claim activities into one claim, including an ID Theft Dept claim All claim and all transactions will be under this claim number moving forward Informed that we would receive ID Theft packet in the next 2-3 business days Learned that these new accounts were created on XX/XX/XXXX Transferred to XXXX who has more knowledge in Identity Theft Provided number to Check Forgery Team XXXX ( Option 3 ) Chase needs to receive the ID Theft document from XXXX & XXXX before they can re-issue funds Provided with Trace Number of all activity on our record We were informed that the XXXX noted in the letter XXXX received would not be withdrawn from our account XX/XX/2020 Filed a police report with Officer XXXX XX/XX/2020 Spoke with Detective XXXX XXXX, who advised me to Freeze Credit with XXXX, XXXX and another. Contact Social Security Office, FBI ( ic3.gov ), and Consumer Financial Protection Agency . 
Police Report filed XX/XX/2020 My husband XXXX and I took our police report and Chase information to Chase to be faxed XX/XX/2020 I noticed that Chase took back the XXXX that they had put in our account. 

XX/XX/2020 Spoke with XXXX, requested to speak with a supervisor, XXXX. 
XXXX said that the fax we submitted on XX/XX/XXXX was not attached to our claim. She advised us to go to our local branch and have a banker call the Claims line, get the email of someone, and send the complaint via email. 
She also stated that the message and activity having to do with the {$12000.00} taken was from a different part of the bank, and that the identity theft team can overwrite that activity once the investigation is completed. 


Every time I call Chase, I am on the phone with them for at least an hour, and I make no progress. There is not one person who handles the case, so whoever picks up my call has to go through the history, and try to piece things together. Chase has taken no accountability or actions to rectify the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX