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

EQUIFAX Is Harassing Me. All Of A Sudden, They Sent ( I Sent Copies Of Everything To You ) Me A Letter. The Letter Stated That They Needed Copies Of My : Driver 's license, Social Security Number, Proof That I Lived At My Current Address, For Over 2 Years Etc. I Also Sent Them Copies, Of The PAID IN FULL Credit Card Accounts. ( XXXX-Card Was {$2000.00}, XXXX XXXX Credit Card Was {$17.00}. Both Paid Off, About A Month Ago. I Also Paid {$1000.00} To My XXXX XXXX XXXX. EQUIFAX Discriminated Against Me, For Knowingly That These Credit Cards Were Paid Off, But They Didn't Show It On My Credit Report, Purposely. Why Were They Able To Show Negative Information, For The Past Month, Without Requesting All Of This Identity Scam. They Know Who I Am And Where And How Long, I've Lived Here. They Just Want To Give Me A Hard Time. This Is Not The First Time, That They Weren't Able To Keep My Credit Score Accurate. I Also Sent Copies Of The Credit Carrds And My TD Personal Loan PAID Statements. The Two Other Credit Bureaus, Don't Have Any Problems, With Keeping My Credid Report Accurate. Proof Of My Credit Card Accounts Being Paid Off, Should All They Need To Correct My Credit Report.
Product: Credit reporting or other personal consumer reports

I ask Experian, XXXX and XXXX to remove these fraudulent accounts off my credit! I provided information that proved these accounts were opened during my incarceration and gave my incarceration papers and they still left it and said the debt is mine. I would like this removed immediately.
Product: Money transfer, virtual currency, or money service

I used the bill payer service for a US Bank Reliacard on XX/XX/2020 to make a payment to a credit card. I got an error on two separate attempts to pay {$250.00}. Several hours later, one payment went through and the money was out of my account. It never made its way to my credit card. I contacted US Bank about 5 or 6 days later and they said the money wasn't in their system any longer. They told me to contact the credit card provider XXXX XXXX  XXXX XXXX XXXX. I've done that, but it could take 60 days to resolve. Plus I just doubt the issue is on their end.
Product: Debt collection

My husbands mother passed away in XXXX. We have sent an original copy of her death certificate and filled out the paperwork that they sent. We received confirmation that they received these items and they still call XXXX times per day ( each of our phones ). Each time we explain what has happened and each time we are told that the calls will continue until the mortgage is paid.
Product: Checking or savings account

I received a letter from PNC stating my account should be closed by XX/XX/XXXX as a business decision by PNC bank. I spoke with XXXX from PNC corporate office in XXXX, PA on XX/XX/XXXX. I have sent him numerous emails and calls and he has not contacted me back. 

I am being charged fees from my credit line and service charge fees as my accounts are still open. All my accounts need to be closed ASAP and all fees waived by PNC Bank as they did not execute the closure by XX/XX/XXXX.
Product: Debt collection

Jonathan Neil & Associates , INC. is harassing me for an insurance claim that was part of an identity theft case. I have sent them all of the documentation that it is an established fraud case, including a letter from my lawyer, and the persist in contacting me.
Product: Debt collection

Sent a Request for Validation and Verification on XX/XX/2022 and I want it to be known and Resolved Asap!! immediately!!!. 

Americollect has account on my credit that is not mine/inaccurate/fraud. Company has Been posting Double Jeopardy onto my Credit report and has not sent me any legal or any documents validating and/ or verifying with my WET INK signature that i owe this date, i am the person behind this debt, or this is not a debt that was not committed fraudulently without my WET INK signature was giving a BILL as VALIDATION that violate my HIPPA PRIVACY RIGHTS.I WILL ATTACH DOCUEMNTS PROVING THIS IS A VIOLATION OF MY HIPPA RIGHTS AND NOT SATISFACTION FOR VALIDATION OF DEBT WITHOUT MY WET INK SIGNATURE BUT JUST A BILL. ALONG WILL BE ATTACHED MY CREDIT REPORT AND MY IDENTITY THEFT REPORT WITH ALL OF THE REPORTING VIOLATIONS MADE ON MY ACCOUNT AS WELL SO I WILL MOST DEFIENTLY WANT ALL THE ACCOUNTS DELETED IMMEDIATELY PERTAINING TO YOUR COMPANY AND PRIVATE INFORMATION!!!!!
Product: Mortgage

This has been an ongoing issue with Regions Bank and Regions Mortgage. On several occasions I've been to the local branch in XXXX XXXX  and tried to resolve the payment issue. I'm given the option to use Regions bank website or their app to make my monthly mortgage payments. Ive attempted this several times where the website doesn't register my scheduled payment, wherein my payment becomes late. On XXXX separate occasions in the last XXXX months I've submitted auto draft paperwork where they are able to access my account to be paid. My payments are still not being paid. Ive had the Regions branch XXXX access my account to resolve the issue and reimburse the late fees, and to date, only XXXX have been reimbursed. XX/XX/2023, the auto draft did not work so I manually submitted payment again online, and Regions mortgage was unable to process the payment because they attempted withdrawal on an account that I had closed XXXX years ago. Regions Mortgage states that the closed account is the only account directly associated with my mortgage. I attempted contact today with Regions mortgage, part of the issue might have been resolved, before speaking with a supervisor named XXXX XXXX refused to give any further assistance and stated that this is an issue between my bank and myself. Ive been to the bank monthly to resolve this issue and no assistance is forthcoming and fees and payments are now past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  Debtor is XXXX XXXX XXXX XXXX they claim it was opened on XX/XX/XXXX but it was sent to collections in XX/XX/XXXX for amount of {$930.00} Rpm ( RECEIVABLES PERFORMANCE MGMT ) Debtor is Also XXXX XXXX XXXX XXXX in amount of {$530.00} opened on XX/XX/XXXX when this is tied to same acct as listed above it was sent to collections in XX/XX/XXXX same company has opened false accts and when its close to the 7yr removal date they send it to another company and they reopen it again and again
Product: Debt collection

Synchrony Bank called me at my work and they have to call the main number and asked to be transferred to me I cant accept personal calls at work I told the representative I couldnt talk and the representative continued saying she needed to talk to me I explained I can not take personal calls and also stated I do not authorize to be contact at work
Product: Credit reporting or other personal consumer reports

Fraudulent account that was closed now they put it back on my account its been a pain its been hindering my life with things I wan na do XXXXXXXX XXXX Last reported XX/XX/XXXX Opened XX/XX/XXXX {$26000.00} The company hasnt provided any info like was the money transferred in and out of the account or anything I just didnt understand til I spoke with a consultant I want this account off my credit its been a pain now they wan na reinvestigate putting the account back on my credit over and over They should investigate who transferred the money or etc around cause I surely didnt 15 U.S.C. 1681s-2 This section of the code covers the responsibilities of information providers to consumer reporting agencies. It prohibits the reporting of inaccurate information, and requires that information providers correct inaccurate information after being notified by the consumer.

My information may have been impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the Banking system ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, creditstanding, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy Under TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists The Fair Credit Reporting Act ( FCRA ) in the United States Code gives consumers the right to dispute and remove inaccurate inquiries from their credit reports :
Product: Credit reporting or other personal consumer reports

Hi, Between the months of XXXX of XXXX i fell into a hardship where i was having difficulty paying my mortgage for XXXX month, i called and spoke to a rep at XXXX housing and he placed me on a payment arrangement where my monthly payment would be broken into XXXX payments added onto my mortgage and that my payment would not be XXXX anymore, it would now be XXXX $ monthly for XXXX months and my new due date would be the XXXX of each month. 

I started the plan immediately after i was told this and so i started paying every month on the XXXX. In XXXX when i went to pay my bill i was told that i did not owe a mortgage because i paid twice in XX/XX/XXXX. I called back that same day to speak with someone else to make sure what i was hearing was correct and i was told this information again. ( XX/XX/XXXX ) .. that i didn't owe a payment until XX/XX/XXXX because i paid twice in XXXX. 

I proceeded to pay XXXX and XXXX on XXXX of those months and now XXXX XXXX is telling me that they made an error and i did not pay twice in XXXX so now I still have XXXX more payment of the XXXX to pay now and XXXX payment as well, bringing my total for XX/XX/XXXX XXXX In addition to this my credit score has been butchered because they are reporting me XXXX days late every month since the plan started and i would never agree to a plan that reports me XXXX days late on my credit report until the plan is completed.. Also I've stated i don't have this large payment I am being offered to be put on this payment arrangement again and I declined it. 

They gave me incorrect information and caused me to go delinquent again, although I've lost about XXXX of my credit score throughout the duration of this arrangement i am asking that XXXX XXXX removed the late payments off of my credit report.. they are refusing to do so. My payment plans due date has been the XXXX throughout this process, im not sure why im being reported XXXX days late XXXX times on my credit report.
Product: Credit reporting or other personal consumer reports

I am filing to formally file a complaint against XXXX CARD due to their failure to properly validate and verify an account listed on my credit report. This complaint concerns violations of my rights under the Fair Credit Reporting Act ( FCRA ). XXXX XXXX has not provided adequate validation and verification of the debt they are attempting to collect. Despite my formal request, they have not supplied sufficient documentation to substantiate the legitimacy of the debt. This failure to validate and verify the account constitutes a violation of my rights under the FCRA. 
XXXX  CARD XXXX XXXX XXXX : {$4200.00}
Product: Debt collection

My mother was visiting me recently I told her I was upset because I had a letter from XXXX/XXXX/2014 threating to suspend my drivers license and remove the license plates from my car I was afraid I told my mother the letter is from a lawyer the letter had legal terms I was afraid I showed my mother the letter and she told me the letter is from a collection agency my mother told me there are at lease XXXX violation of the FDCPA a collection letter that is worded like a letter from a lawyer a collection letter that does not include mini Miranda violation fdca XXXX XXXX multiple violation XXXX XXXX and XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I contacted XXXX, Equifax, and XXXX via telephone raising the awareness that I did not received written consent by me acknowledging that they had any authorized; written consent to release any of my information to any third party agency. I called them direct to seek this consent in writing and they have no known acknowledgement of this request of sort.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1681a ( 2Xi ) and 12 CFR 1026.13.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM FILING THIS COMPLAINT BECAUSE EXPERIAN HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE THAT WAS USED TO VERIFY THE ACCOUNTS AND INQUIRIES I DISPUTED BEING THAT THEY HAVE GONE PASS 30 DAYS MARK AND CAN NOT VERIFY THESE ACCOUNTS ( NOT BY JUST TELLING ME THE ACCOUNT OR INQUIRIES HAVE BEEN VERIFIED ) UNDER SECTION 611 ( 5 ) ( A ) OF THE FCRA THEY ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED : THAT I HAVE DISPUTED. PLEASE RESOLVE THIS MATTER AS SOON AS POSSIBLE
Product: Credit reporting, credit repair services, or other personal consumer reports

This is happening every other month. I have CREDIT FREEZE on my account which doesnt allow anubody pull inquireys off my XXXX or equifax reports. Well he we go again and again. They should be regulated by the government because their customer serive is in XXXX were our laws dont exist and tgere employess are so rude and ignorant. All there taught id to say no.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Cant lift security freez in my account by either calling and online! I spent days calling. I need it resolved as soon as possible and I am doing refinancing and need lock my rate but I could not get a hold of one single person and the whole process is so frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and found that there are some items on my report that I dont not recall approving on my credit report. I requesting to freeze my XXXX XXXX, XXXX, innovios, XXXX XXXX. and any other reporting agency. Please do not unfreeze my report. if the information provided does show my current address ; XXXX XXXX XXXX XXXX, oh XXXX
Product: Debt collection

received a statement on XX/XX/XXXX for {$160.00} and XX/XX/XXXX {$5900.00} for services received on XX/XX/XXXX. 

XX/XX/XXXX spoke to XXXX XXXX at XXXX Ref # XXXX, amount due is {$38.00}, she requested a corrected statement from XXXX XXXX XXXX XX/XX/XXXX received letter from XXXX XXXX for final notice for payment XX/XX/XXXX check # XXXX cleared bank for amount due {$160.00} XX/XX/XXXX Final notice received from XXXX XXXX XX/XX/XXXX spoke to XXXX Ref # XXXX sent letter stating amount has been paid by XXXX, requested itemized statement XXXX XXXX from XXXX XXXXXXXX XXXXXXXX XXXX faxed to XXXX at XXXX XXXX XXXXXXXX on XX/XX/XXXX SEE XXXX page XXXX of XXXX  XX/XX/XXXX XXXX  sent a letter to XXXX XXXX stating per the contract in network doctors and facilities can not bill for services per their contract XX/XX/XXXX XXXX spoke to XXXX at XXXX XXXX stated XXXX at XXXX sent an explanation of benefits to management at XXXX XXXX XXXX was told not to pay at this time because amount due was to be zeroed  out
Product: Mortgage

Hello, I am requesting a futher review of complaint number XXXX. The case was closed and the issue still has not been resolved. 

The issue still has not been resolved, SPS has requested more documents after the complaint and still has not issued a response in the matter. They have had all required documents this time since XX/XX/XXXX. Please keep in mind this process has been going on for 2 years and due to delays on their end we continually need to send updated documents. This of course restarts the review process and starts the vicious cycle over again. For the life of me I cant believe a company is allowed act like this, how are they in compliance? 

Here is my original complaint filed XX/XX/XXXX Two years ago a applied for a mortgage modification with my original mortgage companies which were XXXX  ( 1st mortgage ) and XXXX ( 2nd Mortgage ) and with in a month or so both loan were transfered to Select Portfolio Servicing after being with my old lenders for more than 10 years never missing a payment. Since being transfered to SPS I applied for a modification and was turned down twice. In XXXX of XXXX I applied for a short sale and went under contract and they dragged out the process for more than a year and the buyer walked leaving me to relist the home and start the process all over again. I have not been back under for more than a year and I see no end in sight. They request documents which I provide then they say they need 7 days to review and then something else will expire and the circle just continiues. I am trying to move on with my life and I moved out of the home a year ago thinking the short sale would take place and as of today they are requesting more documents. What options do I have if any? We also have been working with an agent that can supply addional information if needed XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Bank of America closed my credit card account and is reporting a charge-off balance of {$1400.00} on my credit report. However, there are several issues with their handling of this account : XXXX. Failure to Provide Supporting Documentation : Bank of America has not provided any documentation to validate the charge-off balance of {$1400.00}. 
They did not issue a 1099-C form, which is required if the debt was forgiven or canceled, as per IRS regulations XXXX 
I have requested account statements, a payment history, and an itemized breakdown of the charge-off balance, but they have failed to provide this information. 
XXXX. Lack of Required Notices : Bank of America did not send any prior notification regarding the charge-off or closure of my account, which has left me without the opportunity to resolve the debt or verify the accuracy of the amount reported. 
XXXX. Negative Impact on Credit Report : This charge-off is negatively impacting my credit score and ability to secure credit, including an auto loan. The lack of documentation and transparency makes it impossible for me to address or resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One on XX/XX/2022 pulled my credit and I did not apply for anything XXXX XXXX Bank pulled it on XX/XX/2022 and I did not apply for anything with them
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1500.00}, {$10000.00}, {$29000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$1500.00} -This is not my account. 

2. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 


-- PERSONAL LOANS -- 3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account. 

4. XXXX XXXXXXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Debt collection

I sent the bureaus a debt validation letter certified mail pursuant to 15 usc 1692g they received XX/XX/2021. in regards to inaccurate accounts with The Bureaus i have no business with this company and have no idea how they even have any of my personal jnformations. This account is listed as an account buyer which is illegal. So my information was clearly stolen and retrieved somehow by this company. This company continues to violate my rights per 15 usc 1681s-2 by continuously smearing my reputation and reporting information that i have informed them was incorrect and inaccurate and false. This company this company continuously violates 15 usc 1692f reporting this false inaccurate information to my credit report ( postcard ). If this cant be rectified in a timely fashion I will left will no choice but to send an AFFIDAVIT OF TRUTH along with all my exhibits to head to court.
Product: Credit reporting or other personal consumer reports

Date of inquiry : XX/XX/year> Name of creditor in inquiry : XXXX XXXX I requested from credit bureaus Experian, XXXX and XXXX to provide permissible purpose on file, they did not provide the proof of credit inquiry.
Product: Mortgage

Been faxing modification since XXXX SEE PROOF, Wellsfargo says NEVER RECEIVED UPDATED INFO HAVE SENT AND AGAIN XXXX AND TOOK OUT OF REVIEW XXXX XXXX is XXXX XXXX  XXXX XXXX AND KEEP ASKING FOR PAY STUBS AND P & L IS ONE OR OTHER! XXXX BANK BAD SERVICES, LIARS, MISSING ALL PAPERWORK THAT IS SENT! REFAXING AGAIN TODAY AND COMPLAINING! Wellsfargo will respond saying havent received etc ALL BANKS SAY THAT! hire and train someone with brains!
Product: Credit reporting or other personal consumer reports

Equifax is reporting an account on my consumer report -XXXX XXXX XXXX XXXX as being charged off but the account is still showing a unpaid balance of {$390.00}. A charged off account should not be carrying an unpaid balance.
Product: Debt collection

Please check this account. I can not recall being late on my payments. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : SYNCB/XXXX  Account Number : XXXX Date : XX/XX/2017 Amount : {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card with my social security card. According to 15 USC 1681a ( 2 ) ( B ), any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device, should be excluded from a consumer credit report. 15 usc 1602 ( I ) states the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, Congress said ANY card. COMENITYCAPITAL/XXXX  and COMENITYCAPITAL/XXXXXXXX inquiry needs to be removed from my consumer credit report because I used a credit card in this transaction, which is illegal.