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

I am submitting this explanation regarding the lack of action by Equifax to investigate two specific accounts I disputed via mail. On XX/XX/2024, I sent letters disputing the accuracy of these accounts, providing detailed information and supporting documentation to assist with their investigation. Despite my efforts, there is no evidence that the disputes were properly investigated or resolved. 

The disputes were mailed to the credit reporting agency at their designated address for handling disputes, and I included all necessary documentation, such as account names, reasons for dispute, and copies of supporting evidence. I also requested written confirmation or the results of the investigation, as required under the Fair Credit Reporting Act ( FCRA ). 

Since submitting these disputes, I have received no acknowledgment of the investigations, nor have I been provided with any evidence that the accounts in question were verified or corrected. The disputed accounts remain unchanged on my credit report, and I have not been informed of any findings or outcomes regarding these disputes. 

This lack of response has persisted for nearly a year, despite the FCRAs requirement that disputes be investigated in a timely and thorough manner. As a result, I have been negatively impacted by the unresolved inaccuracies on my credit report, including higher interest rates and limited access to credit opportunities. 

I request immediate review and escalation of this matter to ensure these two disputed accounts are properly investigated, and any inaccuracies are corrected. I am prepared to provide additional documentation, including copies of the original dispute letters and supporting evidence, if needed to identify the accounts in question.
Product: Debt collection

I received a letter today XXXX/XXXX/XXXX stating that a judgement was entered against me for an outstanding debt of {$1200.00}. I called the XXXX XXXX XXXX. I spoke to a XXXX, that asked if I would like to make a payment. I said no! I asked about the validity of this debt and about its age, since I have no recall of it. She could not answer me and said someone would call me back. I have checked all my credit bureau 's, I DO NOT have any open collections or judgement against me. I now have a XXXX off wife that thinks this is going to affect our credit rating! I want a letter stating that this is not my debt and an apology from this so called collection agency
Product: Credit reporting

I have multiple inquiries from he following companies - i did not authorize these requests for credit. I 'm attaching the identity theft report - i did not authorize these companies to pull my credit and a lot of the companies are listed as duplicates the companies are as followed : XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) i would like them removed from my credit file
Product: Credit reporting or other personal consumer reports

I trust this message finds you well. I am writing to express my deep disappointment and frustration regarding the continued issue of late opening accounts, despite our previous attempts to rectify the situation. As we embark on the several attempts to address this issue, it is imperative that we take decisive action to ensure its resolution. 

I urge you to conduct a comprehensive review of our account opening processes and systems to identify the root causes of these delays. It is essential that we identify any bottlenecks or inefficiencies and implement effective measures to streamline our procedures and improve turnaround times. 

It is crucial that we communicate transparently with our clients regarding the steps being taken to address this issue and provide assurances of our commitment to delivering a seamless and timely account opening experience. Failure to resolve this matter in a timely manner not only damages our business relationships but also undermines the trust and confidence of our clients. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXXXXXX Balance XXXX : {$0.00}.
Product: Debt or credit management

In regards to XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, I had successfully opened a case to lower monthly payments from {$96.00} to {$25.00}. This is due to having refunded over {$1000.00} granted for XXXX  XXXX I did not follow through on. I had recieved email confirming the appeal and a physical letter, stating I was to not pay any dues for the next 60 days during the appeal. 

I received late fees for not paying during the appeal process and my monthly dues were never lowered to {$25.00}. I was never made aware that the " successful '' appeal was never followed through on. I had paid the supposed new {$25.00} per month payments for the next XXXX pay periods, which had earned me more late fees to pay. 

XX/XX/XXXX, I managed to get an agent to waive the late fee but at the cost of having to pay {$130.00} to " catch up ''. I have been assured that my remainder payments due will be {$25.00} a month ( as it should have been XXXX pay periods ago, back in XX/XX/year> ). I am filing this complaint due to my trust being broken XXXX times over with highly incompetent supervisors, uncaring agents ( save for the last one who actually helped ) and all around soulless agendas. 

I have gone through XXXX different supervisors and it seems no matter what was apparently done to my case file, no one knows how to update or publish important information in regards to money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized use of my private information ; fraud by using my personal information to apply for credit cards and unauthorized use apply for car loans and some form of line of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Notwithstanding allegations of fraudulent charges regarding XXXX XXXX account number XXXX, said creditor has failed to properly investigate and update the account reporting status at the Equifax, XXXX and XXXX consumer reporting agencies. The failure to report said charges as fraudulent - or to delete the offending account - has caused a detrimental impact on credit scoring.
Product: Checking or savings account

I had a CD mature and the disbursement proceeds of {$100000.00} were deposited in my Huntington Bank non-interest bearing checking account XXXX XXXX I wanted to transfer all of the {$100000.00} to my high interest bank account at XXXX XXXX which was a verified external bank account associated with my Huntington checking account ( I have transferred money between these same XXXX accounts in the past without any problem ). I was informed on the phone by Huntington Bank that I could transfer {$50000.00} per transaction for a total of {$100000.00} per day. So I set up XXXX online banking transfers of {$50000.00} transfers ( totaling {$100000.00} ) XXXX XXXXXXXX transferring the money from my Huntington XXXX account to XXXXXXXX XXXX and scheduled another transfer of {$5700.00} form Huntington to XXXX XXXX XXXX XXXX XXXXXX/XX/year> I received an emails from Huntington Bank stating that my XXXX Banking account was " suspended for use with your Huntington accounts '' and the transfers had been " stopped ''. Upon calling Huntington I was told to personally bring a current XXXX bank statement to a Huntington branch which i did XXXX XXXXXX/XX/year>. So now Huntington says I must wait an additional XXXX to XXXX business days for Huntington to unsuspend my XXXX account. THIS HUNTINGTON TRANSFER SITUATION IS ILLUSORY. I will lose interest on my money while waiting and Huntington gets use of my money for free.
Product: Credit reporting, credit repair services, or other personal consumer reports

PHH Mortgage Services ( PHH ) has, in my opinion, falsely reported I missed a mortgage payment for XX/XX/XXXX and XX/XX/XXXX. This company has been unresponsive to my request to discontinue my escrow account after the first year of the loan. At the closing, in XX/XX/XXXX I pre-paid the first years ' homeowners insurance and property taxes for XXXX. In addition, I started an escrow account for $ XXXX/mo to pay for the second years ' homeowners insurance which $ XXXX/yr. Three months after the closing, PHH decided to DOUBLE MY ESCROW ACCOUNT and raise my PITI from $ XXXX/mo to $ XXXX/mo! 
I refused the unwarranted increase because it's double what my homeowners ' insurance premium is. As for my property taxes, I had selected to pay my property taxes myself. 

I have been unsuccessful in dealing with PHH and decided to refinance with another mortgage company. In my opinion, PHH fraudulently reported I was late in paying my mortgage payment in an effort to block my refinance. Not only did it terminate my refinance, but it also lowered my credit score by 109 points. My XXXX  score had been XXXX!! In an effort to prove my contention, I had my bank, XXXX XXXX XXXX XXXX submit a " History of Payments '' showing I HAD NOT MISSED NOR BEEN LATE FOR ANY PAYMENTS! ( DOCUMENT ATTACHED ) The statement has confirmation codes for every payment. 

I have submitted a dispute with XXXX  but the incorrect information was not removed. As a consequence, I have submitted a challenge to the dispute and submitted the History Of Payments to prove the false and in my opinion, fraudulent reporting by PHH.

I'm requesting that PHH remove the false late report which has damaged my credit and restore my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX  XXXX Balance : {$1700.00} XXXX  XXXX Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$25000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

My home was broken into of XX/XX/2002 later I obtained my credit reports would had numerous identity theft accounts on there.I reached out to the credit bureaus to update with a police report to have these removed they would not.I paid some of the debt myself to remove it from my credit bureau I have been going round and round with XXXX XXXX XXXX  it is a credit card. Balanced owed is XXXX. I have fax them a copy of my police report showing identity theft a copy of a FTC report showing I was at identity theft victim have not heard anything. I would like this removed from my credit bureaus all three ASAP thank you very much
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX FIN - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX
Product: Debt collection

My name is XXXX XXXX, I am filing this complaint on my own behalf. 

On XXXX XXXX I sent out a cease and desist and letter to validate an alleged debt owed to Goldman Sachs through Apple Card. I have a green receipt to prove the letters was received at their facility. I received a green slip certifying that the letters were received at my mailing address just after XX/XX/2022. 

Goldman Sachs and Apple Card has failed to comply to my request to cease all mediums of communication. They have repeatedly called my phone multiple times, violating and failing to cease communication per my request. They have also left several voice messages, which is harassing.
Product: Prepaid card

XXXX purchased a prepaid credit card in XXXX of 2009 for {$300.00} with Orchard bank. The bank increased the credit line to {$750.00} without my requesting the increase. I did not send additional funds to increase the limit. Within a short time the card or bank was sold to Capital One. I no longer need a prepaid credit line as my credit is ok. 

I called Capital One and wanted to close the account and have my {$300.00} refunded to me. Capital One says that the card came from Orchard bank to them without any secured portion on it. 
Capital One gave me numbers at Orchard to call but the numbers revert back to Capital One. 

I can give you my Capital One Credit Card number if it is needed but I am reluctant to do so due to security issues. 

I do not know what agency that I should contact to get my prepaid amount refunded. 

Sincerely, ABPPS It is easiest to reach me by text at the above number. 
Thanks
Product: Checking or savings account

Price order with XXXX on XXXX of XX/XX/XXXX for XXXX XXXXXXXX the order money was taken out same day XXXX went back in my account on the XXXX put money back in my account and took it back out again on the XXXX they went in my account took money put money back it took money back out on the XXXX they finally finding me my money XXXX yet I'm telling chime that all this is going on and they keep telling me that no I'm wrong they're XXXX in my account while my authorization to extra times they're emailing me on two different emails and trying to say I set up the account wrong or didn't finish the account but how can you get two names and two emails wrong how you text me on both they're doing some type of fraud or let somebody hack my account
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name :XX/XX/XXXXAccount NumberXXXX Account Name : XX/XX/XXXX Account Number:XX/XX/XXXXAccount Name :XX/XX/XXXX Account Number:XX/XX/XXXX Account Name : XX/XX/XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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, credit repair services, or other personal consumer reports

Dear Experian Customer Service, I am writing this letter to express my extreme disappointment and frustration with the service I have received from your company. I have been a holder of a XXXXXXXX XXXX XXXX for one year and five months, but it has never appeared on my credit report with an explanation. Meanwhile, the other two credit reporting companies have this record. 

I have called your customer service more than 10 times to solve this problem since XXXX. However, every time I call, the representative asks for my credit card information and tells me to wait and see. Unfortunately, this problem has never been resolved, which has made me extremely upset and uncomfortable. 

During this time, I tried to apply for a new credit card, but due to this mistake, I have been rejected multiple times. The banks told me that I do not have an account open long enough to establish a credit history. The truth is that I do have a credit history on both XXXX and XXXX. It is very disrespectful that Experian made this mistake and has never corrected it. 

I have been patient and cooperative, but the lack of professionalism and service from Experian has led to a great deal of frustration and inconvenience for me. I would like to request an immediate resolution to this issue and a correction to my credit report. I hope that my feedback will help improve the level of service that you provide to your customers in the future. 

Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do n't have a clue who this account belongs to and why the heck it 's on my credit report. Please do n't use your bogus tactics purchasing accounts and placing them on my credit, your seriously breaking the law right here. I am challenging you to show me proof of the verification process. You must report 100 % accurate verifiable information.You are clearly violating the law in this case according to The Fair Credit Reporting Act. 609 requires proper verification according to established case law involving the credit bureaus so there you have please remove this account within 24 hours or I will go down to the court house and file a case on you real fast. I do n't play no games with my credit. It better be off my credit by XXXX XXXX, 2017 Wednesday to avoid court fees and civil case. 

1. XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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. 

and according to 15 USC 1681s-2 they are suppose to 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 card

I purchased furniture at XXXXXXXX XXXX. Synchrony bank offered 0 % financing for the promotional period. When I first charged the furniture, I spoke with their chat twice to ensure the payments were setup to where I would pay enough to have all of the items paid off before their due date. I did this twice and each representative assured me they would be applied properly so they were paid off. I confirmed twice and then let it be on autopilot. Fast forward to the first promotional period end and I was charged the full interest amount for the first purchase. When I inquired again on their chat and explained that I went through this twice to get it setup properly they acknowledged their misinformation and repeated the terms to me. They only allow you to make payments and then they determine how they are applied and to which promotions. You are not able to direct them. They say I should have contacted them every month to be sure they were applied correctly despite saying it was all setup properly in the beginning. Then the promotion disappears from your promotions tab and they continue to charge you interest. But you dont think youre paying interest or have anything accruing because theyve deceptively removed it from your account. So not only do they apply the balances anywhere they want, and mostly to the balances that are due later ; then remove it from your online account so you arent aware of it. Meanwhile interest continues to accrue. Their chat agents dont provide correct information and they arent held accountable. They only apologize for the previous representatives misinformation. And say here are the terms. I was well aware of the terms and was assured it was all setup properly. It is deceptive and in reading a lot of online reviews this is a common practice of theirs. To apply the payments to the future promotions and leave the expiring promotions unpaid so they can charge 36 % interest. They need to be punished as this is no way to do business. I can understand if I was not paying then I should be responsible. But when I am paying what they told me to pay and then they say Im sorry someone gave you wrong info but here is a {$700.00} bill for our mistake? Thats wrong n Ive attached my current promotional balances and you can see there is nothing that is past due here. Again, deceptive. I would attach the chats but they dont allow you to save those or send them to yourself. Another deceptive practice that puts the consumer with no way to prove they were deceived.
Product: Credit reporting or other personal consumer reports

I am filing a complaint on TransUnion, XXXX XXXX XXXX because in accordance with the Fair Credit Reporting Act, it is imperative that every detail on my credit report is completely accurate. However, I have observed numerous inquiries that were conducted without permissible purposes, constituting a violation of FTC law 604 [ 15 U.S.C. 1681b ]. 
The inaccurate inquiries are : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX