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

I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

Transunion has blocked me from seeing my credit report online. 

1666b. Timing of payments ( 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. 

Regarding Navient. I continue to dispute this debt and I want Transunion to answer the following questions as previously requested. Please explain to me how you conducted your investigation! 1. Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported. 2. What certified documents were reviewed to conclude your investigation? 3. Please provide me a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 4. What did it cost your company to obtain the documents needed to complete your investigation? 5. Please provide proof of your timely procurement of certified documents. 6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 7. If you reply yes to the above then : Who did you speak with? What was the date? How long was the conversation? What was their position? What number did you call? What is the name of your employee that spoke directly to the above party? What is the position of your employee that spoke to the above party? How long has that individual been employed by your company? What type of training was provided to this employee in order to investigate items of this kind? Were there any e-mails or written communications between employees of your company and the above party? 8. If so, please provide copies of all correspondence and copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account ( s ) in question. 9. Please provide the date of the commencement of delinquency. 10. Please provide the SPECIFIC date reporting of this item will cease. Enclosed with your response to the above questions, I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response. My initial dispute was detailed and directly related to the account ( s ) in question. A template response will not be an acceptable response.
Product: Debt collection

Received 5 phone calls in the past 3 days from  Southwest Credit (  only reason I knew their name was I called the numbers back and tried to get a hold of somebody but was on hold for too long ).     Calls from  XXXX  Thurs   XX/XX/XXXX    XXXX   XXXX  Thurs   XX/XX/XXXX    XXXX   XXXX  Thurs   XX/XX/XXXX    XXXX   XXXX  Fri  XX/XX/XXXX   XXXX   XXXX  Calls from  XXXX  Mon   XX/XX/XXXX    XXXX   XXXX  Every time I have tried to pick up, they have hung up on me. They are calling my direct work line and are harassing me by repeatedly calling & hanging up. They have also not reached out to me via mail alerting me of a collection attempt so I have absolutely no idea if their calls are valid, or if they are even trying to reach me.
Product: Mortgage

After calling our homeowners insurance in XX/XX/XXXX to inquire about coverage for recent water damage to our basement, we were informed that our homeowners insurance was canceled in XX/XX/XXXX. We have been without homeowners insurance for the past 10 months and had no knowledge of this. The insurance guy I spoke with said the mortgage company was billed ( due to it being escrowed ) and they never received a payment in return. You would think I would have been notified as well, but that will be another complaint on a different website at a different time. Our mortgage was transferred to Carrington in XX/XX/XXXX from XXXX. During that time, we had insurance all the way through XX/XX/XXXX that Carrington was continuing to escrow from my mortgage payment. However, Carrington failed to renew the policy by making the payment in XX/XX/XXXX.  Because we had no idea our insurance had elapsed, we have continued to make the same monthly payment every single month. Where has all of that escrowed insurance money gone for the past 10 months? Upon calling to find out, I was transferred to many departments, on the phone endless hours, and I still have no answer. I have the escrow analysis report from last year that clearly shows hazard insurance being escrowed and was told by the customer service rep that she can see the same report on her computer screen. I feel as though my loan was sloppily transferred by Carrington, and I demand answers. Carrington has not gone out of their way to help an emergency situation due to my basement being flooded with water from a recent storm/power outage. This is why lenders insure homes, so they are protected and so homeowners have immediate assistance when there isnt an extra pot of money just lying around. Instead, Carrington hasnt confirmed that this home has even been insured for the past 10 months. How scary is that? I also found out after speaking with the Carrington rep that they have us living in a condo instead of the residential property we have lived in for 12 years. Talk about a lack of trust in making sure that your mortgage company will take care of their responsibilities, which ultimately affects the borrower. As soon as this mess is cleared, we will be refinancing with a trustworthy lender who doesnt have a mass amount of negative reviews. How is this company even allowed to operate?
Product: Checking or savings account

I have been through at least 3 ATM cards due to credit card fraud
Product: Debt collection

I agreed with portfolio recovery associates to settle my debt and have it removed from my credit report for XXXX dollars and they left a balance on my credit report for XXXX. 
Totally illegal
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, 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. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching the investigation request I sent to the credit bureaus on XX/XX/XXXX. They were supposed to respond within 30 days, and have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX XXXX to XXXX XXXX account my wife and I ( XXXX XXXX & XXXX XXXX XXXX XXXX made payments to our home equity line of credit with Bank of America ( A/C # XXXX XXXX. Our payments were made according to the terms of the loan and in excess of the amount due each month. In XXXX and XXXX of XXXX, payments were made, and subsequently returned to us because, according to Bank of America, we were not paying less than scheduled amount. This payments were no different from the ways we have made payments of XXXX in terms of paying more than scheduled amount by Bank of America. Therefore, the only XXXX months where payment failed to post to this account were due to payments returned by Bank of America. 

In addition, the payments which were designated as late on the attached credit report are not designated as late payments within the Bank of America system. Please see transaction dates between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX vs XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. As you can see from the Bank of America print out, also attached, there are illogical and indiscriminate late payments/fees associated with the account XXXX. There should be no such notations since payments were made every month as required for this HELOC, from XXXX XXXX to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed above do not reflect any correct transactions done by me. 


My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. 
The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax are reporting information that I have not given them permission to. 
According to 15 usc 1681b ( a ) ( 2 ) is a section of the United States Code that outlines the permissible purposes for which a consumer reporting agency may furnish a consumer report. In general, a consumer reporting agency may furnish a consumer report only under the following circumstances and no other : 1 ) The consumer must give written authorization and I did not and will not give any creditor or credit reporting company the right to add negative information to my consumer report. 
I AM NOT ASKING ABOUT THE VERIFICATION OF THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM ASKING XXXX, XXXX, AND EQUIFAX TO PROVIDE DOCUMENTATION THAT I HAVE GIVEN MY WRITTEN PERMISSION TO REPORT NEGATIVE ITEMS ABOUT MYSELF. 
According to law, if you can not provide this, you must cease and desist immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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/2022 XXXX OF XXXX XXXX2022 XXXX XXXXXXXX XXXX/2022 XXXX XXXX XXXX XXXX/2022 XXXX XXXX/2022
Product: Credit reporting or other personal consumer reports

I am sure yo u are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 

It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 

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

In the course of reviewing my credit report, I spotted some inaccurate and fraudulent accounts that need reporting and correction through your company. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.
Product: Debt collection

I am a XXXX XXXX consumer and I have new evidence in regards to my previously filed complaint on XX/XX/2022 Complaint ID : XXXX. I previously stated that ACA has yet to provide me with proof of the alleged obligation, and how ACA used obscene and profane language by stating that I owed an alleged debt. American Credit Acceptance, " ACA '' responded stating, Accordingly, ACA has thoroughly reviewed my complaint and ACA account. Based on ACA review, my complaint is without merit. ACA has provided me with a copy of a consumer credit transaction which appears to be a deceptive form. Therefore, ACA has failed to provide me with the opportunity to validate this alleged debt and is continuously harassing me about this alleged debt. ACA has also used obscene and profane language by saying that, I requested to cease payment reminder calls, although I specifically stated to cease and desist communication through any and ALL mediums. I hereby want to make this clear, you may not mail me about any collection of any alleged debt, you may NOT repossess my vehicle, you may not mail me any notices until you provide me absolute proof that I in fact owe ACA.
Product: Mortgage

My mortgage servicer, CMC mortgage, is refusing to cancel PMI on my loan despite the fact the current market value of my home has risen substantially. I have requested a broker price opinion ( BPO ) to have my home 's value documented and CMC mortgage has denied my request several times. I purchased the home in 2019 for {$320000.00} and put {$16000.00} down. My balance since then has been reduced to {$290000.00} and the fair market value of the home is now approximately {$380000.00}. At that value, my XXXX is 77 % which makes me eligible to cancel my PMI. Despite these plain, simple facts, CMC continues to refuse to let me get a BPO and cancel my PMI.
Product: Credit reporting, credit repair services, or other personal consumer reports

I OBTAINED A COPY OF MY CREDIT REPORT AND THERE ARE MEDICAL BILLS ON HERE THAT DO NOT BELONG TO ME. PLEASE INVESTIGATE THESE ACCOUNTS, AND SEND ME AN UPDATED COPY OF MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

id theft victim. i have been fighting for years to keep these bad accounts off my reports. these are the accounts as follows. i have also attached a id theft report XXXX XXXX  / XXXX XXXX XXXX XXXX not my account XXXX XXXX XXXX XXXX not my account Public record bankruptcy is not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking for errors on my credit report I found an account and a few inquries I didn't authorize via Transunion, XXXX, and XXXX. 
Transunion included inquiries I didn't recognize such as : Screening Reports XXXX XXXX XXXX XXXX XXXX on XXXX, and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE TO WITH THE FAIR CREDIT REPORTING ACT CONVERGENT ACCOUNT # HAS VIOLATED MY RIGHTS 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 15 U.S.C 1681 602-A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 : STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT ITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit card or prepaid card

While on vacation in XXXX XX/XX//19 I made a purchase for a suit for a total of XXXX on my chase sapphire reserve credit card. This is a custom made suit that would then be delivered to me ( not purchased and taken out on the same day of the transaction ). My measurements were taken and it was agreed upon that the suit would be delivered to me on XX/XX//19. When I left the store after I made the purchase, I had NO ITEM since it was custom made ( they had not yet made any suit and therefore I had nothing to leave with ). 

However, the day prior on XX/XX//19 I called to confirm delivery and received no answer from the company. i called several times and received no answer. I decided to go back to the store in person on XXXX/XXXX/19, the day of the promised delivery and the store was closed. 
Panicked, I called on XX/XX//19 and spoke to XXXX XXXX Police who informed me that this is a common scam where the items are not delivered or delivered not as described. In fact, according to the police this is against Section XXXX ( Deceptive Trade Practices ) of XXXX Criminal Code and Section 47 of the XXXX Consumer Protection Law and that attempts in the past to twarth these criminals were unsuccessful. 

Further search online yielded plenty of stories of other unsuspecting tourists that failed to receive their product from the merchant or received items that were ill-fitting and not of the quality promised. Additionally, It appears that this XXXX scam group is known to XXXX police as they have been arrested in the past and fined. A quick XXXX search of XXXX XXXX XXXX PA, XXXX XXXX XXXX XXXX XXXX ( all the same company with different aliases ) will pull hundreds of similar complaints. 

When I returned back to New York I notified Chase on the phone and in writing to dispute the charges and outlined the steps I took to rectify the dispute directly with the merchant. I was given a copy of the merchant 's response that included forms NEVER signed by me. Additionally, I stated clearly ( and is evidenced by the documents they provided ) that this was custom suit. Thus, it was not ready for pick up at the time of the transaction. 

Additionally, in-turn outlined how any why the merchant has a documented history of theft and deceptive practices ( including forging signatures onto forms never provided to me, the customer - I uploaded pictures of the original and ONLY receipt that I received from the store ). This was accompanied by direct articles from the XXXX government detailing just how pervasive this scam is and their efforts to twarth such criminals. Despite this information, chase without explanation closed the investigation abruptly. Many attempts to have the complaint opened and properly investigated has led to no where. 

I can not and should not be held liable for paying for items that were not received by me. Doing say makes me lose faith in using any of my chase credit cards for purchases - especially when I am abroad. I signed up and used the credit card on the basis of Chase 's strong reputation for customer service and this entire ordeal has destroyed that image of chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved out of a property and never received a notice that there was an amount due of {$100.00} from XXXX XXXX. I had a credit report run for a mortgage loan pre-approval over 2 years after I moved out and this amount due was brought to my attention on XX/XX/2022. I immediately contacted the collection agency ( XXXX ) and creditor ( XXXX XXXX ) to satisfy the balance and ask that the reference be removed from my credit report. 

The collection agency recommended I contact the creditor to have this amount paid in full. Upon speaking with the creditor ( XXXX XXXX ) and paying the amount in full, they said I need to speak with the collection agency ( XXXX ) and that they would be able to delete the reference from my report. After speaking with XXXX several times, they sent a letter of satisfaction on XX/XX/2022 that stated the amount has been paid in full but this was not a letter of deletion. This reference on my credit report is still not being removed and significantly impacting my credit score. I have attached all relevant documents to this account and also the letter stating that this amount has been paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

In XXXX, my information was involved in a data breach. Since then credit cards have been used in my name and my credit report is ridiculous. I should not have to pay debt that I did not accrue. I can no longer pay for this debt. I did not know what to do I thought I had to just pay it to regain my credit but I need help. 

XXXX XXXX says {$2900.00} and {$2100.00} XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX {$610.00} and {$1000.00} XXXX XXXX XXXX {$890.00} and {$1200.00}.