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

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } { Credit Bureau : XXXX XXXX XXXX  } { Credit Bureaus : ALL 3 } { XX/XX/2023 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XXXX } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX XXXX XXXX }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX XXXX XXXX ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of completing the investigation. Thank you for your assistance in this matter, { XXXX XXXX }
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681i ( 7 ) description of reinvestigation, provide proof. I have asked and given them time to show proof on who, the name of person and contract.

PLEASE REMOVE FROM MY CREDIT REPORT
Product: Credit card or prepaid card

Due to Coronavirus and my health I had to move unexpectedly and did not get my XXXX statement. I did not realize I had used the card ( same color as my debit card ) to purchase a gallon of milk for {$3.00} until I got my XXXX statement. I immediately paid the bill in full on XX/XX/2020. 
I have NEVER paid late before or since. They have reported me 30 days late for this {$3.00} debt which was simply a mistake coupled with rushed change of address. Ive begged their forgiveness and asked for the removal of negative mark from all three credit bureaus but they refuse. I have apologized profusely for using their card accidentally for a simple gallon of milk. Its awfully harsh punishment to be reported negative for 7 years over a gallon of milk and having my score drop dramatically. Additionally, this is the ONLY negative mark on all my cc history. 
Can you please help me? I have begged Capital One and they simply dont care.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I kept getting calls from PayPal that money was being taken out of my XXXX and I kept denying the transaction. PayPal let all transactions go through. On the account of the day PayPal had a fake id that was not myself, in correct social security number on the account and XXXX account that did not belong to myself. XXXX XXXX account, XXXX XXXX account and XXXX XXXX XXXXXXXX ending in XXXX. I reached out to PayPal several times including that day. In one report I told PayPal the people speaking in the message center was not myself and PayPal was responding to who ever was taking all the crypto out of my account. I have screen shots of all the money being taking out on XX/XX/year> and the conversation that was not myself. I did change my password several times. That day PayPal asked me to load my ID and the two pictures looked nothing alike according to customer service. 
I have attached the withdrawal and the conversion that was not myself and reported that to PayPal and no follow up.
Product: Checking or savings account

i have tried for the last two months to access my account via td bank website. The site keeps saying my credentials are wrong. When i attempt to reset the password with my debit card number, it's still not working. I called TD bank small business department and exclaimed to the agent how upset i am with not being able to access my account. I told her I have no idea when I used my card because I cant access the account. She rudely placed my on hold and never came to the line.
Product: Mortgage

On XXXX XXXX, 2015 at the signing of loan docs, I was given a final closing disclosure to sign by International City Mortgage which indicated the total cash at closing for my total down payment would be {$13000.00} ( which included my XXXX initial down payment, a {$4000.00} gift from my uncle and and IRS debt I needed to pay ). I told them this amount was not correct that it should not be more than {$13000.00} ( My total Down payment ( which included my XXXX initial down payment and a {$4000.00} gift from my uncle ) plus my IRS debt ). I was told that a clerical error was made on the closing disclosure and it would be fixed the following morning. I was also told that to avoid any issues that I should deposit {$11000.00} ( which would be added to my {$2000.00} initial down payment ) to make sure that we had enough money at closing and any anything above the {$13000.00} would be refunded back after closing. The following morning XXXX {$11000.00} ( {$7800.00} from myself and {$4000.00} gift from my uncle ) was wired into escrow They also sent a new closing disclosure for me to sign which indicates on {$12000.00} in cash needed to close and indicated there were several adjustments made and this amount was final and would not go up. The next morning XXXX I found out my uncle sent money from the wrong account so he wired an additional {$4000.00} into escrow ( Now there is {$15000.00} total in the escrow account ). On XXXX/XXXX/15 the day of closing approx 1 hr before funding is cut off they send another disclosure for me to sign which indicates only {$10000.00} in cash needed to close, I asked were they sure and that anything brought in above this will be refunded and I was told yes, so I signed it and sent it back. My loan closed and refunds were issued on XXXX and all they returned of the {$15000.00} was {$4000.00} ( {$4000.00} for the additional gift my uncle wired plus the wiring fee of {$59.00} ). I was total by the escrow company that there were no additional refunds. I immediately went to ICM and was told by the branch manager that I would receive a refund check ... I have made several attempts to resolve the issue ... but my calls from the branch manager and or the corporate office have not been returned. I have been in contact with a loan assistant but he has no answers for me. I feel they preyed on me and deceived me. I not sure how many people they have done this to but they must be stopped and someone should look into their practices. I need direction on how to get my money back.
Product: Credit reporting or other personal consumer reports

This is my 7th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXXXXXX Inquired on XX/XX/2023 2023
Product: Mortgage

Key Bank Real Estate Capital has app. {$30000.00} of my money in an escrow account on a mortgage that was paid off almost one month ago. {$5500.00} excess overage due me has been in their escrow account since XX/XX/2015 and they 've yet to refund my money. Mortgage number XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report were incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XX/XX/XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following debts and personal information inaccuracies on my credit report from. I request validation and verification of the debts and correction of the personal information errors, as required by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Debts in Question : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Phone numbers : ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX Cellular Under the FCRA, consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information in a consumer report. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), if any information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify the information based on the results of the reinvestigation. 

Additionally, the FDCPA grants consumers the right to request validation of a debt and requires debt collectors to cease collection activities until validation is provided.

I request that all collection activities related to the disputed debts cease immediately until I receive the requested documentation and the debts are validated.

Thank you for your prompt attention to this matter. I look forward to your response and resolution of these issues within the 30-day timeframe stipulated by the FCRA.

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

I am writing to you to request validation of the debt that has been reported to my credit report by Covington Credit. I have not received any communication from Covington Credit that validates this debt, and I am requesting that you provide me with validation of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ). 

Under the FDCPA, I have the right to request validation of the debt and request that the debt be removed if it is found to be invalid. As such, I am requesting that you provide me with documentation that verifies the debt 's existence, the amount of the debt, and its validity. 

I request that you provide me with the following information : The name and address of the original creditor. 
The original account number. 
The amount of the debt, including any interest and fees. 
A statement that validates the debt, or proof of my agreement to the debt. 
If you can not provide me with this information, I request that you remove the debt from my credit report immediately, as it is negatively impacting my creditworthiness and ability to obtain credit. 

Please respond to this request in writing within 30 days of receiving this letter. If I do not receive a response from you within this timeframe, I will assume that you are unable to verify the debt 's validity, and I will request that you remove it from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX 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

My name is XXXX XXXX, I am the responsible party for my son 's medical expenses, his name is XXXX XXXX XXXX. I receive and pay all his medical bills. 
I recently received a letter from NPAS, Inc. which I thought was a scam since I never received a bill with the service date mentioned in the letter. 
I called NPAS, Inc. to request a copy of the bill or statement, but NPAS couldn't provide this document. 

I XXXX  the phone number for XXXX XXXX XXXX XXXX to follow up. Today, XX/XX/2019 I called XXXX XXXX XXXX XXXX to make sure this letter was legit and request a copy of the bill/statement. The representative said she will mail it to me but my account is already in collections. According to this representative, XXXX XXXX XXXX XXXX sent me a bill back in XX/XX/XXXX and then my account was sent to the debt collector, NPAS. She verified that the XXXX XXXX makes ONE attempt and then the accounts are sent to collections. 

I am willing to pay my bill, just like I pay every single bill. But, since I didn't receive the ONLY statement XXXX XXXX XXXX XXXX sent me, now my credit score will be impacted. 
The account number on the letter from NPAS, Inc is XXXX. The letter was sent my son XXXX XXXX XXXX to my address XXXX XXXX XXXX XXXX, XXXX XXXX, Fl. XXXX Thank you in advance for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I mailed a letter, FTC report and copy of my social security number and ID to Equifax and XXXX  for fraudulent information on my credit report. I have done the proper steps of verifying my identity however they are refusing to correct this error. They have not responded to my letter and my credit report continues to report fraudulent information. A XXXX XXXX account is still showing on my credit report.
Product: Credit card or prepaid card

Made transfers to this prepaid card and when I tried to use the card I was declined by " not authorized '' my access to the online/mobile app has been restricted and the company makes the funds on the account unaccessible to me.
Product: Credit reporting or other personal consumer reports

I got a notification through XXXX XXXX that I had a hard inquiry submitted on XXXX XXXX XXXX  with lendmark financial s. I did not apply for any loans. I called them and they said they did not see any line of credit. I want this removed from my credit report immediately.
Product: Mortgage

Our mortgage account with Bank of America shows a payment overdue in the account and XXXX, XXXX and XXXX statements. However, we made all payments between XXXX to XXXX of each month and the statements also reflect that. We reached out to Bank of America on XXXX. They accepted its a glitch in their system, and created a case number, saying it will be resolved in 10-15 business days. After it was not resolved within the said timeline, the case was escalated multiple times during the many phone calls to resolve this issue. Its been more than 6 weeks and the issue is not yet resolved. Currently, we are in the process of refinancing through a different lender, which we have informed to Bank of America. We need this issue to be resolved before closing refinancing. 

In addition, BoA has cancelled our mortgage auto-payment saying the delinquency in the loan disqualified us from using this service. Earlier in XXXX, we received a letter and online notice informing this service will be cancelled and the payment should be made via check, money order or cashiers check. Starting this month, they have actually cancelled the mortgage autopayment service. In addition to this we have gotten calls, mails, emails and online account notices warning that our payment is overdue, and we need to pay immediately. Whomever calls, I tell them to carefully look at the account to see if we missed payments, Then the caller will acknowledge that its their fault and the whole wheel spins again.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or delete. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have sent multiple letters by certified mail asking for the alleged debt validation and the method on how they continues to validate this fraudulent and questionable items on my credit report. And have not received anything with validation of these clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taken advantage of me as a consumer and this has effected my life tremendously. The most recent certified letter was sent on XX/XX/2023 and they received it on XX/XX/2023. However the company update the reinvestigation status as verified. I have attached a copy of the XXXX XXXX XXXX verifying that they have no sign contract with I. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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.

Convergent Account # 1405 and 5824, 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 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 or other personal consumer reports

On XX/XX/24 there is an unrecognized company on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Ten  years ago we suffered credit card fraud and the police said to place a credit freeze on our credit report. Now we are applying for a mortgage and this is the third day I have spent trying to have both freezes removed. First this department is located in  XXXX  and they do not have a command of the  English  language nor do they know how to spell simple names  (   XXXX   ).  They do not speak clearly and aggravated when asked to repeat. They also lie, they say they are  XXXX  They drop calls when asked to be transferred to t he US co unterparts. The main number of Transunion does not answer to receive complaints or to help with problems. The final straw is when I finally called, after getting all their pertinent garbage to have them tell me they ca n't access my file because it is being updated. Th e US  agent had a completely different procedure than the one I followed the previous day to have my freeze removed and refused to release the freeze in a timely manner. I have to fax him a request and then he will mail it to me??? I am applying for a mortgage and time is of the essence. The other  XXXX  bureaus quickly and graciously removed the freeze the same day. They must be more expedient and cooperative for their reporting. I expect a complaint line, answered by a live person who speak s English and underst ands it.
Product: Credit reporting or other personal consumer reports

credit hard inquiries were posted to my XXXX credit report and I did not give permission to run my credit report to XXXX XXXX XXXX IN XX/XX/XXXX, XXXX XXXX HARD INQUIRED ON MY CREDIT REPORT AND I DID NOT GIVE PERISSION IN XX/XX/XXXX AND CREDIT ACCEPTANCE HARD INQUIRED IN MY CREDIT REPORT ON XX/XX/XXXX TO XXXX AND RUINED MY CREDIT NOW
Product: Credit card or prepaid card

I received a letter titled " Important Information about your account '' from XXXX XXXX. I references " your account ending in XXXX ''. I do not have, nor have ever applied for an account with this company. The letter gives no phone number to call but does give a website. When I visited the website to find a phone number to call or an email address to write to, the links provided simply circled back to the home page.
Product: Credit reporting or other personal consumer reports

THESE ARE FRAUDULENT ACCOUNTS, MY INFORMATION HAS BREEN BREACHED BECAUSE IF THE EQUIFAX DATA BREACH ALONG AS MILLIONS OF AMERICANS GETTING THERE IDENTITY STOLEN FROM EXPERIAN AS WELL AS THE DARK WEB THESE ACCOUNTS ARE FROM FRAUD AND DO NOT BELONG TO ME XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, Chex Systems I recently had trouble obtaining an account with a financial institution, so I checked my Chex Systems report and saw that I had some false and unfavorable information that would have resulted to my application being rejected. I don't recognize the reporting information, therefore please look into it and delete these accounts and queries from my consumer file. As a consumer reporting agency, it is your responsibility to ensure that all information is reported accurately and to omit false information that can not be verified. Investigate and update the information below, if necessary. Thanks.
Product: Mortgage

My home mortgage was transferred effective XX/XX/2019 to XXXX XXXX, as per the information showed in the Court paperwork to substitute party. 

Land Home FS " old servicer for XXXX XXXX '' never sent notice of service transfer that must be addressed not less than 15 days before the effective date of the transfer. Almost three months have now passed and I have not received any kind of information from Land Home FS or from XXXX XXXX. 
The notice of transfer must by law contain the name and address and phone number of the new servicer and/or owner. Land Home FS must provide that information urgently. In the absence of any other information I will continue sending my payments to Land Home FS.