23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to assert my rights under the XXXX XXXX XXXX XXXX ( XXXX ). This federal law provides significant protections for servicemembers, including those related to their credit reports. Specifically, the XXXX allows for the removal of certain negative information from credit reports when such information resulted from financial hardships experienced during XXXX XXXX service. 

I request the removal of the following types of negative information from my credit report : Collections : Any accounts placed in collections during my period of XXXX XXXX. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Please remove the following Inquiries : XXXX XXXX XX/XX/XXXX I understand that I am responsible for fulfilling my financial obligations. However, my XXXX XXXX service has significantly impacted my ability to manage my finances, and I believe it is unfair to have my credit report negatively impacted due to circumstances beyond my control.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this company to give me an itemized billing statement about the debt they claim I owe and they continue to give me shady responses, prolonging the process. I have sent numrerous letters to the creditor and they respond by stalling or sending me in circles. The last letter I sent was in XXXX and they responded with a letter stating verified but there is no proof.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and found fraudulent accounts on my report. This is against the Fair Credit Act and I would like to have it removed so I can get credit. Please remove these accounts from my report, they are affecting my ability to get credit.
Product: Credit card

On XX/XX/XXXX in the early morning I received a call claiming to be American Express. I was not sure if it was a scam. I hung up and called the number on my card in order to protect myself and American Express should the call have been fraudulent. They stated that it was American Express that called. They wanted to do a Financial Review. I stated I was at work. They stated I had until XX/XX/XXXX to do this review. I felt very anxious and called back. They asked questions about where I worked, how long I worked there, and how much I made. They then stated I needed to send two of my last bank statements and two of my last pay stubs. I could not send this in right away because I work at a company with high security. I cant log into my accounts from my work computer. I looked at my email on my phone and it stated that they have restricted all three of my American Express accounts. I called during my lunch break and asked what this was about. Why were my accounts suspended? I have never carried a balance or paid late ever in all my history with American Express since XXXX. My credit history with all my credit cards is 100 % on time payments. I have a XXXX card that has a {$690.00} annual fee that I just paid in XXXX. The XXXX had no preset spending limit. The other two cards combined were XXXX XXXXXXXX. I told them if they were going to suspend my cards, reduce my limits, ruin my credit score, and essentially my life, to give me back my {$690.00} fee that they charged me and close my account. They stated they would not because I can only get that fee back from them before 30 days was up. How convenient. The card is supposed to be a luxury card with no limit. My cards are all still suspended, unable to use. The XXXX charge card that had no preset limit was reduced to XXXX XXXX  This is not what I originally signed up for with the XXXX card. This is a total scam. The other two card limits have been reduced to {$3100.00} each. This all came with no warning. No good reason when I have an impeccable credit history with all my credit cards not just American Express. I have done nothing to warrant this. If they want to reduce my limits and treat me this way, I want my {$690.00} annual fee back. It is not the card I signed up for. Paying a {$690.00} fee on a XXXX XXXX limit, no one would pay that. This is not a XXXX XXXX anymore. They are accompany that bullies and sets rules that they dont follow.
Product: Mortgage

We refinanced our home in XX/XX/XXXX, When we did the refinance unfortunately our title company never paid our school taxes so they were re-levied onto our land taxes in XX/XX/XXXX. Our lender uses Dovenmuehle mortgage to service their loans the lender that we use is XXXX XXXX XXXX this complaint is for both of those companies. We have been on the phone with Dovenmuehele mortgage 3 to 4 times a month since XXXX we received the check from our title company and pay the school taxes which this company is showing records of yet they continue to charge us an extra {$800.00} a month for a every time we call we are told that they are doing an escrow analysis to fix our mortgage and a callback on a certain date yet it is not done on that day we have spoke to numerous supervisors and got nowhere with them at this point we are {$2400.00} extra since XXXX and they refused to give us an actual answer as to when this will be fixed what they are doing is criminal this money is going into our escrow account which I have no hope of seeing again since there are numerous complaints about them about not giving people their money back that is in their escrow account we have been trying to fix this with them since XXXX and this is absolutely unacceptable please reach out to me with any questions as we would like this resolved in a timely fashion and Can not afford an extra $ XXXX. 
Thank You!
Product: Debt collection

Apparently in XXXX a debt collection company by the name of Peroutka, Miller, Klima & Peters purchased a credit card account in default that supposedly opened under my name. In XXXX I received and summons from court stating that I have broken the agreement and I was being sued for the amount of {$7600.00}. I contacted this company explaining I had no knowledge about this account or knowledge about any agreement on paying this debt off. I explained that on the summons there were several addresses on there that were not mine and had never lived at those places. The company then got very rude and started falsely accusing me of lying about the entire situation and that is was in fact me that made the payment arrangements. I told this company that that I had to be a victim of identity theft and I wanted to take actions against it. The customer service rep then told me the last known payment and address that was given and I immediately recognized the address as belonging to my ex wife 's and her boyfriend 's and I told the company service rep. Nothing was done afterwards until after a year went by and once again I got a letter from the company stating I was to pay the account off. I called once again explaining I was a victim of identity theft from my ex wife who knew my social security number and that I was not going to pay on a account that wasn't mine. They customer service rep then explained that they were sending me a packet for identity theft claim and I was to sign it and mail it back. About two weeks later on XX/XX/XXXX I received a letter from court stating that the pursuit of wage garnishments was dismissed. I thought finally this is all done until yesterday XX/XX/XXXX when once again the debt collection agency sends me a letter stating that I was offered 60 % off the debt on the account that i thought was done and closed. I contacted the company asking why I'm receiving this letter and they rudely explained that they never received my packet for identity theft. I told the rep why it took 3 years to finally send a letter and not receiving the packet and no answer! So once again I'm having to stress about getting this resolved
Product: Debt collection

I 've received 5 phone calls on XXXX XXXX, 2015 from the same phone number. Initially the missed calls did not result in a message of any sort. After googling the number online, there were no search results pointing to a company. Upon calling the number back, it was " Citicard '', a credit card I do use. An automated message asks to dial in my 16 digit credit card number which I chose not to do. Instead, I contact Citicard direct and expressed my concern. The representative who seemed irritated at me, did n't bother listening, decided it was a good opportunity to verify a payment instead of addressing their obviously flawed system. As of today, I received 2 anonymous phone calls from 2 different phone numbers I 've never seen. This un-professional behavior shown by Citicard representatives and their scam-like system should be addressed.
Product: Credit reporting or other personal consumer reports

I filed a dispute with Experian Credit Report regarding an inaccurately reported late of {$100.00} payment for an account with Comenitybank/eddiebaur. This account had created a duplicate account for me and as a result, I was not notified of a charge to the existing account that was marked as overdue in XXXX of XXXX. As soon as I was made aware, I immediately paid the debt and straightened things out with XXXX XXXX on XXXX My credit score was subsequently reduced by Experian. I made multiple attempts to file a dispute in XXXX and XXXX of XXXX. I also contacted XXXX XXXX and asked them to inform Experian of the reasons for why my payment was missed. Experian continues to use this supposed late payment as a negative factor to my credit score and they will not update their records to reflect.
Product: Debt collection

I have been receiving at least one sometimes two calls a day from a company called Rev One Solutions. They have changed their number from a local area to XXXX. They continuously call. Sometimes it 's a real person but mostly a robo call with a prerecorded message. I told the woman who I spoke to NOT to call again. The latest phone call I received was at XXXX this morning ( XX/XX/XXXX ).
Product: Checking or savings account

bank of America has not resolved transactions that was mede by someone else that i did not authorize. i have done all they have asked me too and filed a police report. i have filed disputes and i have talked to them numerous of times. there are two disputes and one is for XXXX the other is for XXXX they have says they are investigating. i just want my money back. I'm XXXX  due to not having money and need to pay rent to go back home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off a collection from XXXX XXXX XXXX  the bureaus updated it to an XXXX $ balance then updated it again with the same balance that I paid off which was XXXX $ It shouldve stayed an XXXX $ balance instead of putting an fraudulent balance on the account when it was paid off!!!.
Product: Credit card or prepaid card

I have the TD cash card. That is a card I have not used in a very long time. TD bank keeps denying my claim. I am from XXXX and I saw a whole bunch of charges on the west coast. I called and blocked the card. I got a new card and opened the dispute. The charges were from XX/XX/XXXX to XX/XX/XXXX. The biggest problem is that I had to call, there were some big charges and as I stated earlier I havent used the card in over a year. Not once did they send me a text to make sure it was me they let everything go through. I called and they opened the dispute but has still not solved it. They are no help I spoke to a supervisor and told them if they would have just sent me a verification text this could have been avoided. I do not use this card. I am from XXXX not from the west coast and I have not been to the west coast since XXXX.
Product: Mortgage

XX/XX/XXXX, I called XXXX to make 1 pymt ( XX/XX/XXXX ) today {$730.00} on acct # XXXX. Spoke to rep id # XXXX wanted to charge me additional fee of {$12.00} to make pymt. I advised never have been charged a FEE to pay in past months. I asked for free method of pymt, said I could pay online at no charge. In the meantime I called in to another Wells Fargo # XXXX, and made my other Wells Fargo payment over the phone FREE AT NO CHARGE! I asked the rep id # XXXX could she also take this payment, looked it up and said no you have to pay a FEE to make this payment? But I could go online. When I sign into online the message is : Your MORTGAGE ... XXXX is not currently eligible for online payments. ETC. So I call back AGAIN and spoke to rep id # XXXX, explained this is my 3RD CALL  attempting to make this payment and she took the payment with NO FEE. This company is making it impossible for me to pay without more FEES/bouncing place to place. Inconsistencies throughout the company. Are n't they being fined for over charging fees already? Unfair practices, one person charge fee other person is not. Discrimination Make you jump through hoops to pay.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX TX XXXX Re : Request for Removal of Closed Account from Credit Report Account Number : XXXX Dear Sir/Madam, I am writing to formally request the removal of a closed account from my credit report. The account in question is with first premier bank and has been listed as closed, but I believe it is being reported inaccurately or unfairly. The details of the account are as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Account Closed : XX/XX/XXXX This account was closed on XX/XX/XXXX and, since then, I have had no further activity or outstanding balance associated with it. Under the guidelines set forth by the Fair Credit Reporting Act ( FCRA ), I believe this account should no longer be reported on my credit report as it no longer reflects my current credit status. 

I respectfully request that you review this information and remove the account from my credit report. Enclosed are copies of relevant documentation, such as a statement from first premier bank confirming the closure of the account, for your reference. 

I understand that under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they report. I trust that upon review, you will find that this account should no longer appear on my credit file and will take the appropriate steps to have it removed. 

Please notify me in writing once this matter has been resolved. 

Thank you for your prompt attention to this request. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCOUNTS : XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX During a recent review of my credit report, I found several fraudulent accounts. Under the Fair Credit Reporting Act ( FCRA ), Section 605 ( b ), I request that you delete these entries from my report, as they are preventing me from getting credit. I do not know these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see this account is removed from my account. It is fraudulent & is impacting my ability to gain credit. 



XXXXXXXX XXXX XXXXXXXX XXXX Date opened XX/XX/2013 Balance {$0.00}
Product: Credit reporting or other personal consumer reports

ATTN : EXPERIAN RE : Intent to file suit- a violation of the FCRA I must emphasize that it is a violation of the law to make a threat of legal action without any genuine intention to follow through. I want to formally notify you that I am highly determined to pursue legal action against your company. Despite my repeated attempts to address the issue, requesting you to investigate and rectify all inaccuracies in my personal credit profile, you have consistently failed to take appropriate action. It is crucial to note that the law obligates you to investigate every single request to rectify erroneous information, a fact that seems to have been disregarded in my case. 

This is an utterly blatant disregard of the Fair Credit Reporting Act, which grants individuals the right to take legal action and imposes penalties and liabilities on consumer reporting agencies and data providers for non-compliance with its regulations. 

I must reiterate my previous statement that this is my ultimate appeal for you to fulfill your obligations under the FCRA. If you do not undertake a thorough examination of the aforementioned accounts in response to this final request, I will have no choice but to initiate legal proceedings against your organization within the jurisdiction of my residence. Consequently, you will be required to appear in person to defend your actions. 

I place great importance on my credit and I am deeply disappointed by your unprofessionalism and lack of assistance. I am fully cognizant of my rights under the FCRA and I am determined to assert them to the fullest extent. I expect your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX XXXX I filed a dispute with XXXX around XX/XX/XXXX in which the item could not be verified, so the item was deleted. Later, it was reinserted. I reached out to them about the reinsertion and requested a deletion, but they continue to report this inaccurate account on my credit file. 

I filed a dispute with XXXX who was reporting a monthly payment amount of {$47.00} when XXXX and Experian was reporting {$0.00}. Upon filing a dispute with XXXX, they updated the monthly payment to {$0.00}, but also changed the first reported delinquency date to XX/XX/XXXX when they first had it reported as XX/XX/XXXX. There are too many inaccuracies and contradictory information being added and removed by all 3 bureaus ( XXXX, Experian, and XXXX ), and is a violation of 15usc 1681eb. I want this account removed from my credit file with all 3 bureaus immediately.
Product: Vehicle loan or lease

I got a vehicle from XXXX Missouri at the end of XXXX XXXX and found out XXXX XXXX that the engine is going out as well as they accepted me for a loan and threaten to take the vehicle because they didnt get all the proper documentations at the beginning of me getting the vehicle.
Product: Checking or savings account

Savings account been blocked since XX/XX/2023. I contact the company on XX/XX/XXXX and they ask for a utility bill, social security and license which i sent to them so they could unblock the account in about 72 hours. After that time i been trying several times to try to solve the problem. They keep giving excuses that the person in charge of solving my problem was out or that i have to be on a waiting list to have this problem solve. On XX/XX/2023 i called again and they say my utility bill wasn't good because it was a screenshot from my phone. I ask if i could send my rent agreement as a proof of residence because i dont have anything else under my name and they say yes so i did. I call again on XX/XX/2023 to see if they received my document and again they say that i have to send another bill that have a account number on it. Please i need help solving this problem. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to know how you verified the following accounts when they are clearly inaccurate : Did you call the original creditor or just look at the information in your database? 

XXXX XXXXThis account was paid in full. This is inaccurate. 
XXXX XXXX XI was NEVER late. This account is misleading XXXX XXXXThis account is inaccurate. There should n't be a balance. 
XXXX XXXX XXXXThisdate of last activity is misleading. 
XXXX XXXX was never late. 
XXXX XXXX 've never done business with XXXX nor have they responded to any of my letters for investigation, How are they certifying verification to YOU???? 
XXXX XXXX XXXX XXXX HAVE NEVER DONE BUISNESS WITH NOR HAVE I BEEN CONTACTED BY THIS COMPANY ABOUT THIS DEBT!!! 
XXXX XXXX XXXX XXXXthe rating on this account is inaccurate. 
XXXX XXXX XXXXThis account is listed on my account TWICE ... ..TWICE!!!! Yet and still you refuse to remove it ... how is that possible or legal? 


I 'm getting tired of sending these disputes that the credit bureaus are not investigating, The credit bureaus need to be held liable for all the stress they are causing consumers to go through dispute inaccurate information on their credit reports. How is it that a collection agency can just place a collection on my report but i have to fight tooth and nail to get them to investigate. This is NOT right!!!!!!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submission, Equifax consistently respond within XXXX hours stating the count is accurate, without providing any evidence or a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Futhermore, Equifaxs actions may also contravene the Comsumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the XXXX recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax compliance with federal law and provide consumers with the necessary proof of investigation.
Product: Debt collection

XXXX XXXX issued a credit collection to Credence Resource Management for {$290.00}. I never received any communication from either company, so as soon as it was reported on my credit report I contacted them and paid the balance of {$290.00} on  XX/XX/2020 and was informed they would close this account. They never reported my payment of {$290.00} and issued an even higher balance of {$340.00} without ever receiving any communication again. I contacted Credence Resource Management and was informed by someone named XXXX and XXXX that I was lying about my payment being posted. Asked me to get my bank on the phone to confirm, and once I got my bank on the phone they back tracked and asked me to hang up and that they would transfer me to another supervisor. The next supervisor XXXX XXXX informed me that they did have the payment but that XXXX issued another collection and that I still have a balance. Again they never reported me paying anything to them. They are stating I have paid 0 % of my balance to credit agencies with is false. They took my money and accused me of lying about making my payment. They were not able to verify any information related to the amounts and are falsifying reporting amounts and dates related to this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 
XXXX XXXX # XXXX # XXXX, XXXX XXXX XXXXXXXX, 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