23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My paycheck has but been deposited to my account its been 2 days all we have received is 1 email on XX/XX/XXXX the issue will be fixed no later than Friday morning it is Friday XXXX XXXX XXXX  and have not received my paycheck due to technical issues capital one has been having since Tuesday this is for my 350 checking account. I live paycheck to paycheck and cant pay bill or get groceries this has cause alot of XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I have been trying to get a hold of Specialized Loan Servicing from XX/XX/2020 up to the current date XX/XX/2020 after calling and being on the phone for more than 40 minutes on with an automatic service being transferred from one place to another without being able to speak with an actual person, leaving a call back number, emails. also having a third party to contact them on XX/XX/2020 throughout the entire day no response. I have exhausted all forms in order to get a hold of them with my concerns on my mortgage I have also filed a complaint with the BBB on XX/XX/2020 for this matter in hopes of some type of resolution but I have not yet gotten a callback. It has been a nightmare dealing with this mortgage company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th 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 XXXX, MI XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX XX/XX/2022 XXXX XXXX XXXX XXXX Balance XXXX {$16000.00} XXXXXXXX XXXX XXXX Balance : {$8300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$24000.00} XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX {$5500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XXXX I called & applied to refinance my home. Simply wanted to get cash out from 60 % equity I had. 
Dealing with PNC has been a nightmare! 
Ended up with a Home Equity Installment Loan at 4.24 % interest. First letter states 4.04. Todays interest rates are around 3 % The mortgage I refinanced is in XXXX XXXX XXXX XXXX name at PNC. Both of us have excellent credit. 
Must have made 15-20 voicemails & phone calls to them & most of the time no response. 
I believe PNC does these home equity loans to make more money. 
Ive had 10-12 mortgage in my life. Five rentals non-owner occupied. Never misleading like PNC.
Product: Credit reporting or other personal consumer reports

XXXX violating 15 USC 1681b Permissable purposes of consumer reports along with divisfied adjustment and experian no utility bill should ever hit any credit report violating FCRA also violating 15 USC 1666-CORRECTION OF BILL ERRORS
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved. 

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

I Have almost 11 inquiries on equifax report, wrong addresses, wrong names and I have contacted on the phone and send them repeatedly my ID Documents which they require each time I called for the past 6 months but they have not removed wrong information and this cycle is going on since XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had my score and my life ruined by Equifax XXXX. And XXXX. I just had my debit card frozen from a purchase I was forced to make on the XXXX website and I am in my 33rd DATA BREACH please help me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Wal-Mart credit services refuses to increase the credit limit after all payments have been paid on time and more than the required payment was been given each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

when i reach out to experian and XXXX  about two bankruptcy on my report they said they was verified thru a third party who which i or the us federal bankruptcy court have not gave the permission to report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX XXXX made an inquiry on my credit report when I paid cash for an item. My credit report stated that it will be removed on XX/XX/XXXX. On XX/XX/XXXX my score was increased at the Other agencies by 20 points. However Experian reported false information and instead of increasing my score by 24 points they decreased it by 24 points. This credit check attached is proof of what they did. This was my score as of XX/XX/2021 XXXX. My account shows no open accounts or inquiries made within those 30 days so my score should have increased instead they stole 24 points when they should have increase it by 24 points as the other 2 agencies did. Suddenly my score was decreased to XXXX for no reason. My score was supposed to go up another 24 points as it did at the other two agencies. Experian reported false information on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I opened a mortgage with XXXX XXXX, later XXXX XXXX XXXX started to service this loan. This amount of this mortgage was XXXX. This mortgage was included in a chapter XXXX that was successfully discharged XX/XX/XXXX. furthermore, this said mortgage amount was paid off due to the property being sold.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my consumer report. I was shocked to learn that I have been a victim of identity theft. These offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C 1028A and 15 USC 1681q. You have knowingly transferred, possessed or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I found numerous accounts on my consumer report that were not open by me. Addition to this I have not given any consumer reporting agency written permission to put anything on my consumer report. The law states per 15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Therefore, these accounts should not be reported on my consumer report. This has also caused infringement of my right to privacy for advertising this alleged debt that I do not owe nor have an agreement and/or personal responsibility contract with on my consumer report. This has been hurting me and causing my mental health to be disturbed with severe harm and extreme anxiety, as I am in the process of buying a home for my family. It is also unlawful for the advertisement of any debt to coerce payment per 15 U.S Code 1692d Harassment or abuse. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These accounts must be validated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Account number XXXX XXXX 
Recent balance {$11000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$11000.00} past due as of XX/XX/XXXX. 
Show more Account name XXXX XXXX XXXX  Account number XXXXXXXX XXXX 
Recent balance Not reported Date opened XX/XX/XXXX XXXX XXXX, XXXX. {$450.00} written off. 

Show more Account name XXXX XXXX Account number XXXX XXXX 
Recent balance {$100.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$100.00} written off. {$100.00} past due as of XX/XX/XXXX. 

Show more Account name XXXX XXXX XXXX Account number XXXX XXXX 
Recent balance Not reported Date opened XX/XX/XXXX XXXX XXXX, XXXX. {$19000.00} written off. 

Show more Account name XXXX XXXX Account number XXXX XXXX 
Recent balance {$0.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX XXXX. {$180.00} written off.
Product: Vehicle loan or lease

I traded in the XXXX XXXX XXXX on XX/XX/2023. Ally Bank currently holds the title. The first portion of the payoff was mailed out overnight on XX/XX/XXXX. I was told by ally that the payoff check wasnt received and that was as of XX/XX/XXXX. Yet, the dealership told me Ally bank received the check but it wasnt enough. Ally Bank is purposely holding certified funds in order to collect extra interest off the loan. Thats fraudulent. It shouldnt take 2 weeks to cash a certified check and close out a loan.
Product: Debt collection

I was reviewing my credit file from XXXX XXXX and noticed a collection was reported from Jefferson Capital Systems. I am not sure who that company is and there is no information regarding the original creditor. I need Jefferson Capital Systems to send me a letter with details about the {$1100.00} debt and the original creditor which will allow me to validate or dispute the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, there is an unauthorized inquiry from American Express on my XXXX XXXX credit report. Let it be clear, I DID NOT APPLY for an American Express card! Nor did I receive any letter from American Express. XXXX XXXX illegally and negligently simply refuses to remove this inquiry yet it has been confirmed it needs to be eliminated off my credit report. This is the FOURTH TIME I am addressing American Express EGRIOUS NEGLIGENCE! 
After the XX/XX/XXXX CFPB complaint, I received letters dated XX/XX/XXXX from American Express stating that my application may have been declined in error. We apologize for any inconvenience this may have caused. What does American Express not understand? I DID NOT APPLY FOR AN AMERICAN EXPRESS CARD! Any application American Express received was unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mixed credit file with another family member. XXXX and XXXX have removed the Public Record but XXXX and Transunion refuses to call the Court House to investigate. Numerous inaccuracies exist including wrong address, No  dollar amount, wrong District for Bankruptcy and furthermore they say it happened on my birthday. Please remove this from my file?
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

The reporting of these account ( s ) is/are violations of 15 USC 168la , The Fair Credit Reporting Act [ 15 USC g1681 ( 0 ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( l ), " credit card '' is defined as the following : 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. 

This makes my social security card, driver 's license/ID, and license plate credit cards that are/were used for the extension of credit. 

I demand these account be deleted right away from my consumer report.
Product: Debt collection

On or about the last week in XXXX XXXX, I called XXXX to pay my XXXX XXXX Bank collections in full. They referred me to the Law Offices of Mary Jane Elliott. I called the law offices to obtain the payoff balance which was {$600.00} and made arrangements to pay it in full by XXXX XXXX XXXX. On Friday, XXXX XXXX XXXX, I called the law offices of Mary Jane Elliott and made a phone payment in full via my checking account in the amount of {$600.00}. The deb collector on the phone told me that a lawsuit had been filed, however, I had not been notified or served and she stated that the lawsuit would be dismissed and I would receiving a paid in full letter and also documentation that the lawsuit would be dismissed and removed from public record. 

Throughout the month of XXXX, I have been receiving daily robo calls from XXXX attempting to collect on this paid in full debt. 

Yesterday, XXXX XXXX, XXXX I pulled my credit report. XXXX is still reporting this debt as outstanding with a {$55.00} balance, even though it was paid in full on XXXX XXXX. 

Today XXXX XXXX XXXX, I called the Law Offices of Mary Jane Elliott, and was told that my account was paid in full. However, they have not dismissed the lawsuit and the rep on the phone refused to give me a time frame in which they would dismiss it. She said they would not vacate the judgement. She also said her office would not be sending a paid in full letter. 

I am reaching out for help because XXXX has been in trouble with government and CFPB before for unfair debt collections practices. This is a debt that was paid in full that they are still attempting to collect on, which is negatively impacting my credit. 

Both XXXX and Law Offices of Mary Jane Elliott ( which is just a shell company for XXXX ), need to be held fully accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my profile there are still erroneous items and I'm very upset about the result that I have received. May I know how you contacted the creditor for me to know the reasonable procedure you take to determine my disputes are BELONG to me and VERIFIED AS CORRECT information? Did the Furnisher confirm that the information posted in my file is correct? I never received any notice from these companies that my dispute is truly mine or correct. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or Rescind. Would you kindly remove these erroneous items for I believe they are reported erroneously in my file : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX : {$2500.00} XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Received notification from Equifax that my dispute had been resolved, and that the disputed information was accurate. Therefore, I contacted the collection agency but they were unable to locate any file on me or any indication that I had ever had an account with them. I also called the original creditor, my account with them is in good standing, and always has been. They too were unable to find any evidence that I had ever been past due with them. Lastly I called Equifax. I was placed on hold by their computer and eventually another computer came on the line and asked me to rate the conversation. I never had a conversation with them as no person ever picked up the line. 

I would like to know how Equifax decided that the past due account was mine given that neither the collection agency nor the original creditor was able to locate a past due account of mine, or that I had ever had a past due account with them. My account with the original creditor is, and always has been in good standing since opening. Further, the collection agency had no record of me at all. I have never received any communications from either company about a past due bill. 

I can only conclude that Equifax did not do their job and has no information linking me to the collection account in question. Their statement to me that the disputed information is accurate is fraudulent. I therefore request that the collection account reported by Equifax be permanently removed from my account and I would like an apology from Equifax for reducing my credit score.
Product: Credit reporting or other personal consumer reports

Identify theft XXXX XXXX  someone used my personal information to obtain a credit card from XXXX XXXX XXXX I did not approve or authorize this credit card the amount XXXX the date account was closed is XX/XX/2023 2023
Product: Checking or savings account

On XXXX XXXX, my debit card was closed while I was trying to buy groceries. I had used my card 3 times previously ( the same day ) without any issues. After getting home and waiting on hold for over an hour, I was informed Chase had closed both of my savings accounts, credit cards, and closed my debit card without even notifying me of them going to do so. No one I spoke with could give me any answers as to why all of my accounts were closed, just that my account was under review and it was determined that Chase could not sustain our accounts anymore. I'm not even sure what that means. I had tried calling multiple times to Chase, calling XXXX 3 times, and even going to the local Chase branch with no luck. I was advised while speaking to a supervisor at Chase, to go close my checking account immediately and pull my money out because my checking looks like it's the next thing to be closed. My husband and I went to the local branch and pulled the remaining money we had in checking, which isn't much. We are not able to access any of the money in our savings account- which I need access to to pay my XXXX XXXX XXXX this week. We have about {$12000.00} in savings with no access to it. Chase is holding our money hostage and not giving us any answers as to why this is happening. We have been loyal customers for 15 plus years without any issues. We just want our money and will happily take our business somewhere else. 
Also, I am a XXXX XXXX worker, already beyond stressed during this pandemic, and this issue hasn't helped matters for me. It's adding even more stress to an already stressful situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX  and Equifax did not help me remove the accounts after so many attempts of writing dispute letters.. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts, CFPB step up and remove XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX
Product: Debt collection

XXXX XXXX XX/XX/XXXX {$700.00} disputed XXXX XX/XX/XXXX {$400.00} disputed XXXX XXXX XX/XX/XXXX {$780.00} disputed XXXX XXXX XX/XX/XXXX {$2000.00} disputed XXXX XX/XX/XXXX {$5900.00} disputed XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$11000.00} disputed XXXX XXXX  XX/XX/XXXX {$270.00} disputed XXXX XX/XX/XXXX {$110.00} disputed
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry from One Main Financial on XX/XX/2022 that I do not recognize and did not authorize. It negatively affected my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

AMERICAN EXPRESS - This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate. Please remove.
Product: Debt collection

I am disputing the account reported by Zions Debt Holdings located at XXXX XXXX XXXX XXXX, XXXX, UT XXXX. This account does not belong to me. According to the report, the account number ending in XXXX was opened on XX/XX/XXXX, with a balance of {$2300.00} and is classified under utilities. The reported balance is {$2300.00}, and it shows the last payment date as XX/XX/XXXX, which is inconsistent with the account opening date. 

I did not authorize this account, nor have I conducted any business with Zions Debt Holdings or the original creditor, XXXX. I request a thorough investigation and the removal of this account from my credit report as it is inaccurate. 

Please provide verification of the account, including supporting documentation proving I am responsible for it. If the account can not be verified, I request its immediate removal from my credit profile. 

Thank you for your prompt attention to this matter.