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

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XXXX XX/XX/2021 with follow ups disputes each month for 7 months and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible.
Product: Mortgage

I have a problem with Chase.I submitted my complaint before that our mortgage monthly payment is about {$2700.00} and changed. Our interest has been 8.25 since with refinance by chase. We were told that after refinance mortgage our interest will be reduce after two years but that never happened. We almost lost our house about 3 years ago, but we did get help from homes saver. Despite that our home mortgage payment still high requested for payment reduction chase refused to help. Now we are 4 months behind we called chase submitted paper work we are still waiting no answer from Chase. I am still on unemployment list. Please help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX XXXX XXXX After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were negative charge off and repossession my credit report. These are disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off and Repossession that I have never seen before, as well as these incorrect information on my personal profile but still youre not taking any actions. I have never with these account listed below, so please help me remove this charge off account, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. Chapter 7 Bankruptcy XXXX
Product: Bank account or service

We appreciate your help with this matter. The bank involved is BB & T branch located at XXXX Ky. XXXX. We have a business check card connected with the account. We went over the amount of funds in the account. The amount that was overdrawn was {$8.00}. 
There is no overdraft protection associated with the account. We feel that since the business check card is a visa, they should be able to not allow the card to be used and go over the amount of funds in the account. BB & T bank continues to add fees to the {$8.00}. 
As of XXXX/XXXX/16 the amount of fees added is {$220.00}.! We emailed BB & T bank to request closing the account and that we would send them the overdrawn amount of {$8.00}. They replied that we could not close the account until we went to the branch in person to do so. We sent another email explaining that we had moved out of state, and that it would not be possible to go to the bank in person. In the meantime BB & T bank continues to add their fees. We hope that you may be able to help us and that they will change their business check card policy.
Product: Debt collection

American Express attempted to call me on XX/XX/2018 and again on XX/XX/2018. The first call was missed. The second call on XXXX I answered. The reason for the call was because a payment was past due by 6 days. If this happens again, this account will be turned over to a debt consolidation company where no immediate contact with the cardholder will be permitted. I would advise that people listen to the telephone conversation which was illegally recorded. American Express claims that I'm not willing to work with them. What American Express doesn't understand is that I'm more than willing to work with them, but when certain representatives don't act in a professional manner, I'm not willing to work with those individuals. American Express should not assume that anyone is going to work with people who aren't fit to be in customer service. If American Express isn't willing to resolve this issue by getting respectful people who are respectful to people on the phone, then American Express is the reason why people make it difficult to be contacted.
Product: Consumer Loan

I paid off auto loan VIN XXXX with XXXX about 5 years ago. XXXX was to have released lien on my vehicle. XXXX had an obligation to electronically clear my title when the load was paid off. 

When I called XXXX to have it released they stated that it would take 24-36 hours. 

I beleive XXXX has a pattern and history of failing to release liens.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX place me with the credit bureaus Equifax, XXXX, XXXX as a debt and there is no balance owed to XXXX XXXX XXXX. 

XXXX XXXX XXXX Letter dated XX/XX/2024 showing a {$0.00} balance Policy : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX  ( XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXXXXXX XXXX XXXX ( XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX ( Transunion :, XXXX XXXX XXXX ( XXXX  : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX ( XXXX : XXXX Transunion : XXXX, XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX ( Transunion : XXXX, XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion : 6X ), XXXX XXXX ( XXXX : XXXX Transunion : XXXX.
Product: Debt collection

The company CREDIT COLLECTION SERVICE have contacted me in regards to attempt to collect a debt that I dont owe to them. I XXXX XXXX is the original creditor who didnt sign an documentation with CREDIT COLLECTION SERVICE and have no knowledge of an account with them and dont owe them anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to Equifax asking them to remove an incorrect address from my Equifax credit report. I received a reply dated XX/XX/XXXX, stating that they would remove the wrong address. ( Page 3 of the reply from Equifax states that the disputed address has been deleted. ) I checked my Equifax report again on XX/XX/XXXX, and the wrong address still showed up in my file. I wrote a letter to them on that date but never received a reply. I checked my Equifax credit report again on XX/XX/XXXX, and the incorrect address is still listed.
Product: Debt collection

I hereby request the deletion of a charge off on my credit report by CITICARDS CBNA due to inaccurate information, the furnisher is unable to provide me with the copy of 1099C used in writing off the debt with the IRS to know how much the debt was charged off. The furnisher has not been able to provide this information since over 30 days as required by law. 

In this regard, kindly delete the charge off due to inaccurate information due to inaccurate information.
Product: Credit card

This matter was previously filed under case number : XXXXThe merchant agreed to withdraw the disputed charges, but hasapparently reinstated these charges and has not closed theaccount as we had requested. 
Attached is their most current billing. 
We have not used this card since the complaint was made.
Product: Checking or savings account

I received 3 notices via mail from First Citizens Bank on XX/XX/XXXX regarding deposits into and out of an account on XX/XX/XXXX and XX/XX/XXXX. I do not have any accounts with this bank. After calling customer service on XX/XX/XXXX I was told that a note would be put on the account to reflect my concern and if I wanted further information or to take other action I would have to visit the nearest branch which is XXXX miles away. I will contact the branch via phone to rectify this situation if possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft I've sent the identity theft report and the police report to Equifax and to the rest of the credit bureaus. All the creditors have removed the fraudulent accounts but Equifax. I'am extremely upset and disported on how equifax disputes the fraudulent account. I don't understand how a fraudulent accounts are still reaming under my name is beyond my understanding Its been a while that I've been disputing these accounts and I'm extremely distressed I've contacted the creditors and I haven't gotten anywhere My identity was jeopardized. I lost my purse at an event and after that I've realized accounts were oping under my name. These are Not my accounts thyrese are froud. Please i need help remove these fraudulent accounts.
Product: Vehicle loan or lease

Had an auto loan with Mitsubishi they say we were late one month out of the entire loan. That was the month that we moved an switch addresses. I called them to give them the information of our new address. I get a call the next month stating our payment wouldnt go through. When I had them check they sent the payment through using our old ZIP Code but our new address. I asked him to make notation of this error on their part and they said that it would not go against my credit.
Product: Mortgage

CMG Financial Services held my mortgage on my previous home. I sold the home, and the mortgage was paid off on XX/XX/2021 ( documented with CMG ). CMG has failed to send me the balance of my escrow account which is {$5300.00}. I did not have any outstanding payments needed from my escrow account, all my property taxes, insurance payments, etc. were paid up prior to my home closing. I have contacted CMG three time, as well as confirmed my new address, and they have not refunded me my money. Per CMG, they mailed me a check on XX/XX/2021, and I should allow seven ( 7 ) to ten ( 10 ) business days for it to arrive. I contacted CMG on XX/XX/2021, ( the 10th business day ) to inform them I had not received my money. They once again confirmed my address and stated I should be receiving my check by XX/XX/2021. My check has not yet been received and it has now been more than six ( 6 ) weeks from the day that CMG received the payoff for my mortage, yet they refuse to return my money. I have informed delivery where USPS informs be of every piece of mail coming to my home and when it will be delivered. I have been notified, and received, every piece of mail coming to my home and there is no documentation of any check mailed by CMG.
Product: Credit reporting or other personal consumer reports

I am reaching out to address a pressing concern regarding my credit report. After reviewing the most recent version, I was troubled to find a fraudulent account that is adversely affecting my credit score. I'm puzzled as to why this specific bureau has not acted on my requests when other credit bureaus have promptly corrected similar errors. XXXX XXXX XXXXXXXX. 
It is evident that there was an error in verifying this account. Therefore, I insist on a thorough investigation into this matter and the immediate removal of the fraudulent entry from my credit report. Failure to act swiftly will leave me with no choice but to seek legal recourse and involve regulatory authorities to rectify this situation.
Product: Credit card

Complain is regarding unauthorized charges on Capital one credit card in result of stolen card. Police report was sent to Capital one with specific circumstances that cell phone confirming transactions notification also was stolen with credit cards. After this incident was open case/ claim with Capital one to recover all unauthorized charges but Capital one credit department declined it. The reason Capital one declined this case is they are not able to read my name XXXX XXXX from my Driver 's license pdf copy, after that I send copy of my Passport but Capital one doesn't not want to accept Passports as identification!?
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and am writing to dispute the following information that appears on my credit report. 

The following inquiries and accounts are unauthorized or inaccurate, and I ask that you delete them, I don't recognize these lender and I don't remember authorizing them to perform a hard inquiry on my credit report or add any accounts ... By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

N

ote .... 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 als
o states a consumer reporting agency can not furnish a account without my written instructions.

Marked ( * ) for deletion Accounts... 
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 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 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: Debt collection

I received a letter from Afni stating that I owed {$34.00} due to the service at XXXX. I have NEVER ever signed up for phone services with XXXX nor did I ever sign up for any of their other services they offer. I looked up XXXX number on their website and contacted them. After looking through their system and not being able to find my name, number, or social security in their system, they filed a dispute. The next week, I received a letter stating they did their investigation and found I am responsible for the amount owed. I called them back again and placed another dispute. They sent me a bunch of papers the next couple days asking for my gas utilities bills, social security card, passport, license, and all sorts of information to prove. I have not contacted them since. It looks they are backtracking to get someone to pay for the amount since they ca n't find the person who signed up for this service and they found a person ( me ) that called so they are trying to hold me responsible when I never had a relationship with XXXX. This is harassment and I do not trust them with all my personal information.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
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 card or prepaid card

I have called the customer service line 4 times with the same concern and sadly the same results. I made a direct payment from my bank account on XX/XX/XXXX in the amount of {$2900.00}. They charged me a late payment, referred my account to the collections department and charged me finance fees. I was advised by the representative there was no record of the payment. I then had a representative from my bank conference call with me to confirm the payment and provide the tracking information. The representative said we did not need to send anything in writing and they had sufficient information to open up an investigation to find the payment. I called back a 2nd, 3rd, and 4th time to inquire and each time the representative told me that you had a major upgrade to your system and an investigation needs to be opened and will be resolved within 30days. And that although I was assured 1st, 2nd and 3rd time I called an investigation was opened it never was. The 3rd time I called I had a representative from my bank on the line to again provide all the tracking information for the payment. I even requested my bank send to the credit card company the tracking information in writing. Yet when I called again today their representative XXXX ID # XXXX said my payment has not been found and there has not been an investigation opened to find the payment. Of course she assured me as did the previous representatives that she would open up an investigation. 
I have been extremely patient in this matter but at this time its been close to 60 days without an investigation even opened. I don't know what else to do.
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX XXXX  Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act Section 605B. I have the right to request that the credit reporting agencies block and removed all accounts that was the result of identity theft. Due to the Data Breach, my information was use to open FRAUDULENT ACCOUNTS. 
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 XXXXXXXX. 
I request that these accounts listed above be removed
Product: Mortgage

To whom this may concerns ; I really need your help and do want to complain Shellpoint Mortgage. 


The Shellpoint Mortgage is the old company that we loaned with them. 

I have refinanced my house on XX/XX/2022. 

But they have an escrow balance that they need to give it back to me which the amount is {$2700.00} when closing. 

But until now, I have never get my money back yet. It is almost a year that they keep my money with them. 

I have tried to call them so many times for a long time. 
It always went to automatic answering. 

But last time I called I could talk to XXXX, a representative who answer my call, he told me that he will find out what going on and he will call me back before XXXX XXXX. 

For now, nobody contact me back yet. 

Thank you very much for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified mail over 60 days to the re-investigate accounts reporting wrong but they just ignored me despite i saw the letter delivered.

I will attached a letter here as a 2nd notice for the issues to be resolved.
Product: Credit card or prepaid card

On XX/XX/XXXX, my wife 's purse was stolen. We reported the theft to our credit card companies, and let them know that any charges from XX/XX/XXXX on were fraudulent, unauthorized charges, and that we had a police report for proof of the theft. All creditors, with the exception of Commenity/My BJs Perks card, promptly removed the fraudulent charges and mailed us replacement cards. We called Commenity on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to follow up in the status. Twice we were told they couldn't access the account, as they were having company wide issues, and that they would report the fraud, remove the charges, and send us new cards once they were able to access our account. Finally, on the last call, we were told that they were able to access our account, that they would mail us our new cards ( only received one card ), and that the fraud team would look into the report and remove the charges. When asked what to do about the charges on our account, as the due date was approaching, we were told to pay only our charges, or pay the entire amount ( fraudulent charges included ) and request a reimbursement. We have still not heard back about the unauthorized charges, and they are still on our account a month and a half later.
Product: Credit card or prepaid card

I have not applied fo r a Mastercard from NetSpendSmallBusiness.com, but I 've received one in the mail. I do not want the card, nor do I w ant them to mail me any additional cards. It is my understanding that sending a person an credit card that they did not apply for is illegal. There is a number on the card to " activate '' it,  XXXX   XXXX . The number also appears on the back. I called the number, not to activate it, but to complain. My only options were to activate it, or provide them with my social security number, which I was NOT going to do. I feel t  his may be a scam.
I have had trouble with the risk of identity theft,   and my credit is frozen. They should not have been able to process a card for me. I 've called  XXXX , and there have been no inquiries by this company.     These people should be held accountable for breaking the law.     My name is  XXXX   XXXX . My telephone number i s (   XXXX   )   XXXX .
Product: Debt collection

I have sent two formal letter over to the supposed debt collection company and requested specific information. In both letters I have stated to them that I have not received any formal debt validation or verification. After each of my letters was sent I received copies of statements and just another letter about a debt. I have both copies of the letters I sent over to the company. First letter I sent was on XXXX XXXX XXXX and the next letter was sent on XXXX XXXX XXXX