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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : XXXX & Experian I received a notice alert on my credit file telling me that I had an account opened under my name. I have two months worth of credit history and I have no clue where the account of XXXX XXXX appeared on my credit file and I am puzzled as to why this is appearing on my credit file. I have sent several certified letters to your company and I havent received any response yet. I have sent in letters to your company on XX/XX/2018. Its been more than 90 days and theirs still no response I dont know what the problem is. I have distressed and this is causing a major problem for me and my life. Being that this account isnt mine and its on my credit its affecting me tremendously and I believe that this fraud. I am disputing the accounts internally and I expect to see this account removed or else I will take legal actions towards your company if you dont remove this fraudulent account off of my credit file. I have contacted the creditor but I havent gotten a response at all so I want to know as to why this account hasnt been removed. I am only allowing 3-5 days.
Product: Checking or savings account

I recently filed 2 disputes for unauthorized charges. In both cases, I submitted correspondence from the merchant involved. The first dispute was denied although I submitted correspondence from the merchant confirming that they have no record of me being a customer of theirs. The second dispute is for a fitness company that I purchased an exercise machine from but after my initial purchase, they continued to charge my card without authorization. I submitted evidence of my attempts to resolve this with the merchant but to no avail. As of XX/XX/year>, the funds have not been returned. As I continue to wait, I received an email from Chime stating that they will be closing my account. I feel like I'm being retaliated against for filing a dispute. I am the sole provider for my family of XXXX, with XXXX XXXX. I rely on every XXXX I have, please help.
Product: Mortgage

The servicer ( Nationstar ), after review of an offer presented to them via their XXXX portal, attempted to sell the property via an online auction " offer validation program ''. There were no bids, and the servicer will not consider further loss mitigation options for the homeowner.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts ( XXXX XXXX XXXX  ( Date Opened XXXX XXXX XXXX, Balance : {$770.00XXXX XXXX XXXX XXXX  XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$720.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$580.00} THE XXXX XXXX XXXX XXXX XXXX  XXXX )XXXX XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$44000.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$300.00} ), XXXX XXXX XXXX Account Number XXXX, Date Opened XX/XX/XXXX, High Balance {$500.00} ), XXXX XXXX XXXX XXXX XXXX, Open Date XXXX XXXX, XXXX, Balance : {$0.00} ), XXXX XXXX  ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$0.00} ), XXXX XXXX XXXX XXXX  ( XXXX, Open Date XX/XX/XXXX, Highest Balance : {$26000.00} ), XXXX XXXX XXXX XXXX  XXXX Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$500.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am following up on my previous complaint, marking my XXXX endeavor in addressing the distressing issue of identity theft victimization. Diligently, I have lodged disputes for the inquiries and erroneous information stemming from this criminal activity. The items under dispute bear no relation to any transactions involving the lawful acquisition of goods, services, or funds authorized by me. I implore you to expunge the reporting of these inquiries from my credit file, as they are the direct consequence of alleged identity theft. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, I urge you to promptly address these discrepancies.
Product: Debt collection

Auto company stole my property that has nothing to do with the alleged debt collection. They gave out my personal information to 2 third party who then trespassed on my private property. This is a clear violation of federal law
Product: Credit reporting or other personal consumer reports

UPLIFT REINSERTED THE ACCOUNT ON MY EQUIFAX REPORT IN XXXX, NO LATE PAYMENT NOR ACCOUNT VERIFICATIONS WERE PROVIDED TO ME REGARDING DELINQUENCIES AT ALL!!! 

IWANT THIS REMOVED IN ADDITION THEY ARE NO LONGER XXXX  BUT XXXX XXXX THIS ACCOUNT WAS PAID BEFORE IT WAS CHARGED OFF, I CALLED THE WEEK OF XX/XX/year> after I paid of the amount that was charged off and the representative said he was able to reserve the charge off status. I WANT THIS GONE NOW!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX Dates-XX/XX/XXXX, XX/XX/XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
Product: Debt collection

CREDENCE RESOURCE MANAGE at XXXX XXXX XXXX XXXX, XXXX, TX XXXX has been sending me collection notices in the amount of {$1000.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Debt collection

I sent a certified letter to MCA Management in XX/XX/XXXX advising that I am disputing the charges as well as advising to stop ALL communications with me due to disputing. I received a email on XX/XX/XXXX re-requesting payment for the debt
Product: Payday loan, title loan, or personal loan

CHECK INTO CASH IT WAS PUT INTO HARD CREDIT INQUIRIES 3 TIMES IT SHOW XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX IT HURT ME NOW THEY DID I WANT Them to be REMOVE OFF MY CREDIT SINCE I FINALLY PAID OFF MY PAYDAY I HAD WITH THEM I PAID ON XX/XX/XXXX I PAID IT OFF WILL NOT TAKE OUT AGAIN. I feel this need to removed for my credit inquiries since been paid off the paid loan, will never take out again.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to address discrepancies found in my recent credit report, which I received and reviewed. Upon careful examination, I discovered inaccuracies within certain accounts listed on my consumer report. It appears that this agency is in violation of 15 USC 15 USC 1681i.

In response to my dispute regarding the account XXXX XXXX XXXX, your agency claimed validation of inaccurate information. However, I wish to formally dispute the accuracy of this account. The information furnished regarding this account on my consumer report is, in fact, inaccurate.

According to 15 USC 1681i ( 5 ) regarding the treatment of inaccurate or unverifiable information, if, 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.

The reporting of these account ( s ) constitutes violations of 15 USC 1681e ( b ), which mandates accuracy of reports. The agency is required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. How can inaccurate information be verified? It appears that METRO2 Compliance procedures and reporting format have been violated.

I hereby request the immediate deletion of this account from my consumer reports.
Product: Debt collection

Wakefield and Associates has called me nonstop for over a year, claiming I owe for a medical debt that I have paid off as a minor. In addition, when requested proof of debt I was told they do not need to supply me such documents. After this, I simply hang up. The most recent call was XX/XX/2018 at XXXX XXXX CST. Other calls after requesting not to contact and to only mail me proof of debt include : XX/XX/XXXX XXXX XXXX  CST, XX/XX/XXXX XXXX XXXX  CST, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  CST, XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Checking or savings account

Citi bank had sent me a notice via email on XX/XX/XXXX stating in 10 business days they would refund the unauthorized transactions. As of today when. I spoke to their fraud dept they told me they could no longer tell me when I woukd get the refund and they apologized for not honoring the XX/XX/XXXX notice but could not tell me any time references when this would happen. This has been ongoing issue since. XX/XX/XXXX XX/XX/XXXX
Product: Mortgage

Ocwen Loan Servcing is refusing to pay for my insured 's hazard insurance from their escrow. This happens every year. To every client that we have that escrows through Ocwen. They refuse to pay until the policy actually cancels. At this time of year in Texas, this practice can be dangerous for our insured 's, ourselves, as well as the mortgage company. I have begun documenting every persons name, time of call, length of call, what was said and am now recording every single call to Ocwen. In XX/XX/XXXX, I filed a complaint against Ocwen and was sent an excuse letter from them. The letter stated that the first time I called on a bill that was due by XXXX/XXXX/XXXX was XXXX/XXXX/XXXX. They were billed on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I spoke to " XXXX '' who told me that our agency did not have a payee code. On XXXX/XXXX/XXXX, I spoke to XXXX who said they had no record of our billing nor proof of insurance. This account took 6 more phone calls to collect. On XXXX XXXX, XXXX, we finally received payment. Our boss paid the reinstatement fees out of his own pocket as Ocwen refused to pay any more than what was originally billed to them on XXXX/XXXX/XXXX. At the very least, these are reprehensible business practices. I never heard from anyone else regarding my complaint other than the " Ocwen Ombudsman '' who only gave excuses as to why this happened. At that time, they stated that we had been set up as a payee and our payment would be forthcoming. If we were set up as a payee in XX/XX/XXXX, why can they not pay the escrow in XX/XX/XXXX? PLEASE HELP ME AND OUR CLIENTS. This is getting very scary for all concerned with the exception of Ocwen.
Product: Debt collection

I contacted the company and let them Im the registered owner of the certificated security and the amounts due is owed to me and that I dont allow them to collect anything on my behalf and they need to send the information back to XXXX XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, has violated my rights 15 U.S.C 1681 section 602 A : Which states I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report regarding my XXXX XXXX account, account number XXXX. Additionally, I wish to bring to your attention the illegal reporting of late payments on this account, which has significantly impacted my credit score. 

XXXX Credit Limit and Balance : The report indicates an open balance of {$320.00} with a credit limit of {$300.00}, showing that I am using XXXX  % of my account 's limit. This information is incorrect. My current balance is $ [ Your Correct Balance ], and my credit limit is {$300.00}. 

XXXX. Payment History : The report shows that I have made XXXX  % of payments on time and lists missed payments. I have made all my payments on time except for [ specific number ] instances due to [ brief explanation, if applicable ]. Moreover, the reporting of these late payments is illeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which states that " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY PURPOSE. '' XXXX. Amount Past Due : The report indicates that my last payment was made on XX/XX/year>, and the amount past due is {$0.00}. However, this information does not align with my records, which show my last payment made on XX/XX/year>. 

XXXX. Dispute Resolution : The report mentions " Dispute resolved ; reported by grantor. '' I have not been informed of the resolution details, and I request a review and clarification of this statement. 

The inaccurate reporting of late payments has caused my credit score to drop between XXXX points. This is a significant and unjustified impact on my creditworthiness. 

Please find attached copies of my payment records, recent account statements, and any relevant correspondence to support my claims. I kindly request that these inaccuracies be investigated and corrected promptly, and that any references to late payments be removed in accordance with the law. 

Thank you for your attention to this matter. Please confirm receipt of this letter and provide updates on the status of my dispute.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I filed a dispute against multiple credit cards that appeared on my Experian account which resulted in a significant negative impact on my credit score. XXXX, XX/XX/2023, I saw that some of the accounts that are not mine were removed from my credit report, but one still remains- which is not mine. I have called the lender XXXX XXXX XXXX XXXXXXXX XXXX and checked previously and confirmed that there are no other accounts under my SSN aside from the three accounts that I actually hold. Under their credit report, it shows three names- one that's clearly spelled differently, and one that is spelled correctly but without a space in between my name. Experian also lists two addresses out of California which I have no association with- I've only resided in California ever since I moved to the United States . Experian also has one contact number that is not mine as well. They failed to fix the problem when I filed the dispute and concluded that the wrong addresses, contact info, and a credit account that I have no association with still belong under my credit.
Product: Debt collection

XXXX keeps calling my wife and children. We do not know the name of the company as when I try to speak to him he repeatedly says things too fast so I do not understand what he saying. Hes been told by my wife not to call her phone number of the children anymore. Hes been told by me not to call the children anymore or my wife. He is also calling other friends and relatives harassing me despite the fact I have spoken to him personally. The phone # is XXXX Hes also telling me I am being sued even though I have done research and found that there is no lawsuit against me right now. Hes making false threats.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX of XXXX, XXXX XXXX XXXX was contacted by me via certified mail requesting the following information which I copied directly from the letter : " I need the account, XXXX XXXX XXXX with account number XXXXXXXX, records blocked or deleted from XXXX, XXXX, and Experian. You have no permission to report any records or information to these institutions without my permission. '' This account was furnished as late on my consumer credit report. My letter was received. Please see the attached certified mail number : XXXX. 

Moreover, on XX/XX/XXXX, I contacted XXXX ( XXXX ) via certified mail and with confirmation number XXXX on XX/XX/XXXX. Experian was contacted on XX/XX/XXXX via certified mail, XXXX and on XX/XX/XXXX with confirmation number : XXXX. XXXX was also contacted in the same manner on XX/XX/XXXX, XXXX and on XX/XX/XXXX with confirmation number XXXX. 

Additionally, I specified XXXX XXXX XXXX had " 10 Days to Delete this account, ***************, from all consumer reporting agencies but not limited to XXXX, XXXX, and Experian. '' Not only the violation ( late information reported ) is still active and live on the institutions, XXXX XXXX XXXX has not replied to me via mail stating the violation has ceased. 

In the letter attached below, the receipt and and the response letter that does not respond to my request is attached.
Product: Debt collection

I was contacted by XXXX XXXX, who identified himself as the Lead Investigator for XXXX XXXX XXXX on XXXX XXXX, 2015 at XXXX XXXX. In the voice mail that was left on my cell phone, this gentleman divulged private information, including my social security number and stated that a lawsuit had been filed. Minutes later, he called me at work and left a voicemail stating that I have 5 days to call him or that legal action would be taken. To date, I have not received anything in writing from this collection agency.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I have contacted Convergent Outsourcing multiple times demanding any and all documents, bearing my wet signature, showing that I have a legally binding/contractual obligation to pay Convergent Outsourcing {$770.00}, the payment history, and a breakdown of the bill in question, specifically naming the above company as a person/company entitled to enforce a commercial claim against me ... and my legal demands have went unanswered. I do not know this company. I have no business with this company. I do not owe this company any money. This company has falsely reported information to XXXX, XXXX, and XXXX which has resulted in defamation of my character. Furthermore, this company has created a deceptive image that gives potential & future creditors/employees the illusion that I am in debt or that I am liable for the alleged debt mentioned above. Any computer generated bill such as an XXXX bill is unacceptable.
Product: Credit card or prepaid card

I went in to Rooms to Go to look at sofas for my home in XX/XX/XXXX ( this was such a minor thing I do n't even remember the date ) and was told by the sales lady that she was checking to see what I would be approved for and what kind of couch I can purchase. Fast forward to today ( XX/XX/XXXX ) and I get an email saying I have a rooms to go credit card with synchrony bank for {$2000.00}. I never bought a couch from rooms to go. The sales lady was very pushy and took a hardline stance that it was important for me to look at what I can afford through the store card. I trusted her and as a result I have a card I never wanted or was aware I applied for and adjustments to my credit.
Product: Credit card

Dear American Express Customer Service, I am writing to express my dissatisfaction with my recent experience attempting to apply for the American Express XXXX XXXX. I was informed that I am ineligible for this card, and I am requesting a clear explanation for this decision.

I have been working towards building a strong credit history and believe I am a responsible credit user. I am disappointed that despite my efforts, I was denied the opportunity to apply for the XXXX XXXX. 
I request that you review my application and provide a detailed explanation for the denial. I would also appreciate information on any steps I can take to become eligible for this card, or other American Express products, in the future. 
I look forward to your prompt response and a resolution to this matter. 
Sincerely,
Product: Checking or savings account

This complaint goes along with a prior complaint - XXXX. 

USAA still refuses to make me whole for all of their banking errors. I was charged {$250.00} after they froze my account, they admitted this was their error, but they refuse to refund me after I uploaded all the documents. 

To date, they have only refunded me {$82.00}.