23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

About 6 months ago a collection agency began contacting me about XXXX and stated I owed XXXX over XXXX dollars. I advised that I did not owe XXXX that amount of money. In XXXX they placed a collection on my credit report. I contacted Convergent and advised that they were reporting a debt that is incorrect. They advised that I owed for XXXX lines of service. I advised that even if I owed for XXXX lines of service its no way I could possibly owe {$2300.00}. I requested that they send me an itemized bill of my charges. They said that they would contact XXXX and send me the correct amount. I still have not received this information and they can not provide me with an accurate bill. Also, this account is over 3years old and they have just placed it on my credit report.
Product: Credit reporting or other personal consumer reports

Inaccurate and Incomplete Credit Reporting Request for Removal of Specific Accounts I am filing this complaint due to ongoing inaccuracies and inconsistencies in my credit reports across the three major credit reporting agencies ( Equifax, XXXX, and XXXX ). I have submitted multiple disputes regarding these issues, and although the agencies claim to have conducted investigations, they have not made any corrections. 

My reports contain discrepancies, with different accounts appearing on each one, and many errors still present despite my efforts to have them corrected. I even took legal action to obtain a court order and the title for my vehicle, which is fully paid off, yet the loan still shows up as unpaid on my credit report. 

Due to the failure of the credit reporting agencies to conduct a proper investigation, I demand the immediate removal of the following inaccurate accounts from my reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX The agencies ' failure to correct these errors and discrepancies has had a significant negative impact on my financial well-being. I request immediate action from the CFPB to hold the credit reporting agencies accountable and ensure that these inaccuracies are removed. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

While looking at my credit report i have noticed that there was a discrepancy in the " account status '' section. 
Account Name : Credence RM Original Creditor : XXXX XXXX is reporting this account as open. Obviously, an account that has been sent to collection/chargeoff should not be reported as an " open '' account. 
There is also an inaccuracy with the date of last activity. XXXX is Reporting it as of XX/XX/22 and XXXX is Reporting a date of XX/XX/22.
Product: Mortgage

XX/XX/XXXX I was notified that my escrow evaluation anticipated a shortfall of approx XXXX dollars ... .of course an increase was also applied to adjust for their anticipated shortfall ... and the allowed us to pay the short fall which we did ... and this would carry through until review again in XX/XX/XXXX ... .well I was just notified that I XX/XX/XXXX another assessment was done to " make it better for me, to get me in sync with my escrow payouts '' ... ..and yes as earlier this year another anticipated shortfall of approx. XXXX dollars as well as an increase to my mortgage for a 2nd time this year. When asked if this practice was legal ... .they answered " it's legal as long as we notify you '' ... .Mr. Cooper purchased my loan from XXXX and specified that " NOTHING WOULD CHANGE FROM THE ORIGINAL MORTGAGE AGREEMENT ... EXCEPT WHO AND WHERE THE PAYMENT WAS BEING SENT! '' That's a lie because this is the 3rd time they have changed an agreement signed between us and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2015, I purchased a vehicle from XXXX XXXX XXXX, in XXXX, KY. I was under the impression that I would be purchasing my vehicle directly from the dealership. No mention of my purchase being a lease, or being sent to another company was ever discussed. I am attaching a copy of my original purchase receipt, which makes NO mention of a lease agreement, or a leasing company!!! 

My information was supposedly handed over to Autotrakk LLC without my knowledge. This company, after a lawsuit was filed by the Attorney General of West Virginia, was required to vacate any debt that they claimed was a result of a repossessed vehicle. They then changed the status of the debt that they were incorrectly reporting under my name from " Reposessed, '' which would have forced them to remove the debt as agreed in the lawsuit settlement, to " Voluntary repossession, '' which allowed them to continue to unlawfully claim this debt as being mine. 

Other than another lawsuit against this unscrupulous company, nothing will make cease their fraudulent claims that they can not and have not proved, as required by FCRA regulations. They continue to skirt these laws and they are allowed to do so by the credit bureaus, as well as by any agencies that do not force them to produce the full proof of debt, including signed contracts between myself and the responsible party, as they so claim.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report leaving inaccurate unverifiable accounts unresolved The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic such as failing to to provided it furnishes accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where experian has neither corrected or removed despite the evidence that I provided. Causing on going harm to my credit standing. I am requesting immediate to remove or amend the disputed accounts. Experian has violated federal law
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, Re : XXXX XXXX XXXX Account I am currently in the market to buy a new home and car and was reviewing my credit report. While I was reviewing my report, I noticed an errors on XXXX XXXX Bank Account. You are reporting information about me which is inaccurate. This account has been closed as reported. Other 2 credit Bureaus have this account as closed while on Experian it is listed as open. This account was closed in XXXX of 2023. This account has not been properly verified. Delete the following account immediately for failing to comply with FCRA : Re : XXXX XXXX Bank Account
Product: Checking or savings account

My debit card was stolen XX/XX/2023 and used to create an overdraft account. I called Wells Fargo to report stolen card and fraudulent activity on my Wells Fargo checking account. My card was never deactivated or reported stolen on Wells Fargo data. my account received multiple transactions and over draft fees after I reported my account debit card lost. I contacted Wells Fargo I spoke with supervisor : XXXX XXXX number : XXXX.. Who could not answer any of my questions about my Wells Fargo account being hacked and charged over {$220.00} dollars. I also spoke with customer service representative : XXXX XXXX about the situation she was rude and hung up on me without answering any information about my account occurring 4 different overdraft fees. I just want my account refunded XXXX dollars that was not supposed to be overdraft if my card was reported XX/XX/2023. All these fees accrued after I reported my card stolen and being used by not the authorized user or the bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiry on my credit report. Please remove asap as these are suspicious to me : XXXX, XXXX, XXXX and XXXX XXXX
Product: Debt collection

National Credit Systems , Inc is attempting to collect a debt that has already been paid off AND is sending letters to my child under XXXX. 

I have attempted to reach out to the apartment complex where the debt originated and asked them to confirm any other balances due but I have not received communication. I left them another voicemail today XX/XX/23 asking them for the same thing. 

I do not know why they referred the debt over to national credit systems Inc with my daughter 's name if she is under XXXX... 

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

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 usc 1681 section 602states I have a right to privacy.

15 usc1681 section 604 a section 2 : it also states a consumer reporting agency a account without my written instructions.

15 usc 1666b : a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.
Product: Mortgage

Wells Fargo Bank never contacted us in reference to our banking with then. We have seen the illegal practice suit brought against them and nothing was given to us for options or financial arrangement to assist us in our lives due to their illegal use of our funds paid. We would like to discuss with them a arrangement to assist us in our mortgage of 24 years. It is in creditable to find out that the powerful get the money and the customers are screwed and get nothing. Where is our support, how are we given credit for our banking with a bank who has over charged and illegally billed over the years and we get nothing. All accounts should be credited or released of liability of payment. How can they get AWAY WITH THIS?
Product: Student loan

I have submitted updated PSLF forms as well as loan count reconsideration forms which have been sitting in review or not addressed at all. My payment count is incorrect and I have been trying to get this addressed since XX/XX/year> without any resolution.
Product: Credit card or prepaid card

I was alerted that there was fraudulent activity on my card. They immediately marked it, sent a new card, and said to shred old one and they would close the account. They never closed the old account so I now have two statements each month. One is for charges that were fraudulent and the account has a negative balance. The new account has a credit for the same amount. Instead of combining them and closing, they applied the credits to the wrong account so it looks like Im not making payments. I have called every month since this happened in XXXX. They tell me its fine and not to make a new payment.
Product: Debt collection

Portfolio Recovery Associates, LLC has no Authority to contact me or request any payment from me and I the consumer has a right to privacy, I never gave the debt collector my address, phone number or any information.
Product: Mortgage

On XX/XX/XXXX I made a wire transfer with the wiring instructions provided by Rushmore mortgage. XXXX processed the transaction and confirmed the transfer. The money came out of my account the very same day. 
Till today, Rushmore Mortgage hasn't applied the payment for over {$84.00} thousand dollars. I've gone to chase and they have assured me that the transaction is correct, and Rushmore has that money. I've contacted Rushmore mortgage several times, but they have no answers, just tell me to keep on calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the court of the FCRA these accounts XXXX GXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX  upon me and found unverifiable, invalidated, Inaccurate and questionable items that your agency did not make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S Code 1681e ( b ) and 15 U.S Code1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S 1681i ( 7 ) Method of verification-Description of reinvestigation procedure.
Product: Credit reporting or other personal consumer reports

Once again, I have been a victim of identity theft and am requesting the removal of the fraudulent information from my credit file. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), Credit Bureaus are required to remove any such items within four business days of receipt. Additionally, some of the information provided is unknown to me and has already been removed by other bureaus, raising doubts about its accuracy. 
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 XXXXXX/XX/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 XXXX XXXX  has violated my rights. 

I looked at my Experian 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 generallf, 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 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 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. Please don't ignore my request to repair these inaccurate items in my file. 
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

To whom it may concern, I attempted to extend my credit for {$20000.00} on XXXX XXXX, 2022. The Truth in Lending Act pursuant to 15 U S. Code 1601 ; it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
I am aware of your company 's discriminatory practices, as well as your unlawful and unjustifiable means when making decisions. I performed a consumer credit transaction and was denied my right to an extension of credit through you ; creditor after applying in good faith which violates 15 U.S. Code 1691 ( a ) ( 3 ). A transaction took place using my credit card as per 15 U.S. Code 1602 ( l ) and I the consumer never benefitted which violates 15 U.S. Code 1602p. 
As a consumer, I am protected by XXXX XXXX Chapter XXXX. Pursuant to 15 U.S. Code 1692c ( c ) ( 3 ), I am hereby invoking my specified remedy as a consumer and the original creditor : 1. Grant me my right to an extension of credit.

2. Report all payments as paid in full, satisfied.

3. Deletion from all consumer reports. 
Failure to honor the demands provided within 14 days of receipt of this notice may result in litigation. 

Kind Regards, XXXX XXXX Without Prejudice XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. 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 account XXXX XXXX ( Original Creditor : XXXX ) XXXX
Product: Mortgage

Hello, I 'm in the process of purchasing a home in NJ and reached out to PNC Mortgage to secure financing. The seller of the property had very strict requirements for our contract ( e.g. I had to deposit a {$10000.00} non-refundable deposit ) and so we were still in the process of negotiating. Before finalizing the purchase contract, I explained the situation to XXXX XXXX at PNC Mortgage and told him my only concern from a PNC perspective is whether or not the property would appraise at the purchase price. I understand he could not tell me definitively if it would or would not appraise at the time of the mortgage application but when I explained my concerns to him, I was told " based on my experience financing units in your building, I 'm XXXX certain it will appraise. '' I explained to XXXX that I could barely afford this property and that I could not afford to pay even {$1.00} out of pocket more at closing if the property did not appraise. But, having this statement reiterated and assured to me multiple times, made me finalize the contract under the terms of the seller. Soon after the contract was finalized, the PNC appraisal came in and it was {$50000.00} less than the purchase price. I am very upset by this outcome as I felt XXXX deceived me into believing it was " XXXX certain '' that the property would appraise at the purchase price. That said, b/c of the significant difference in appraised value, I was unable to pursue the home purchase and lost my {$10000.00} deposit which I would have never agreed to if it was n't for the " XXXX certain '' statement. PNC Mortgage persuaded me into believing something that was not true and b/c it was such a significant deviation from the expected appraisal, I believe they should take accountability for this negative outcome. Again, I lost {$10000.00} and it was due to a mortgage salesman trying to sell me a mortgage.
Product: Credit reporting or other personal consumer reports

Per code 15 USC 1681 b & 15 USC 1681s-2 Us 242 You Must follow the law as it has been put in place to protect the consumer which I am. Honor my request this has been my second attempt Ive lost thousands of dollars paid high interest rates aggravating headaches stress and loss time this is my last attempt if this isnt COMPLETED AS SUCH I WILL MOVE TO LITIGATION!!! Also its illegal to freeze a consumer account you have been put on notice
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a current copy of my credit report and show inaccurate or incomplete information listed. the creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missouri ) alleged balance amount {$1400.00}. I attempted to contact credit and send a wirtten certified document and has not been repiled to over 30 days. I show this alleged account is fuardlent and I never attended any such school or have and alleged debt with XXXX XXXX XXXX. There has been on proof of verification and this is a direct viloation of FDCPA. Please deleted account
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report a fraudulent account appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent inquiries and account have affected my life and resulted in several fraudulent hard inquiries and account and appearing on my consumer FICO credit report. XXXX XXXX XXXX # XXXX {$580.00} opened XXXX I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against XXXX XXXX XXXX Experian, XXXX and XXXX What happened Consumer Name : XXXX XXXX Social Security XXXX : XXXX SSN ), Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian, credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inquiries have resulted in several fraudulent inquiries appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account as reported. The account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries and account are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud.

What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Experian credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Product: Bank account or service

I was paid by the maker of a check drawn from a XXXX account. I deposited this check into my Chase checking account. Chase transferred the funds from XXXX to Chase, but refused to credit my account. In addition, they have now frozen and closed my account. They have refused to provide any explanation as to why they have done this. They also refuse to contact the maker of the check, or XXXX. The result : 1 ) the maker has had the funds withdrawn ; 2 ) I do not have the funds ; 3 ) Chase refuses to make these funds available to me. I believe that Chase has committed fraud. I have contacted Chase by phone and in person and they refuse to provide information of any kind to me.