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

Creditor XXXX reporting inaccurately with a XX/XX/2023 late payment. Per Creditor XXXX representative this inaccuracy will be updated to paid as agreed/ no late payment. XXXX representative states the system did not post payment correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that the credit collection company doing business as PDQ Services Inc located at XXXX XXXX CT XXXX XXXX XXXX GA XXXX is in violation of my State of Pennsylvania Licensing Requirements for collection agency activity and is hereby breaking the law that protects my rights as a consumer. 

They have furnished a debt to XXXX and XXXX credit bureaus in the amount of {$18000.00} in which they claim I owe to PDQ Services. They mailed me a letter to my address requesting payment. I mailed a certified letter XX/XX/2022, to their address listed on my report which shows as PDQ Services Inc XXXX XXXX Ct XXXX XXXX XXXX GA XXXX requesting validation of this debt along with proper legal documentation showing that I am responsible for this debt they claim I owe. 
To date they have refused the accept the certified letter with signature verification for delivery. I contacted the post office and they stated it would be up to the partys discretion as to whether or not they wanted to sign for the letter, otherwise the letter would be returned to me. PDQ appears to be avoiding proper compliance by refusing to sign for my certified letter.

After further research of this company, I have proof they are in violation of Pennsylvania law and my rights as a Pennsylvania resident. The State of Pennsylvania law requires that in order for a collection agency to contact PA residents seeking collection of a debt they must first be bonded in the amount of at least {$5000.00}, have a background check and be licensed, none of which they have. I will attach these requirements to this complaint as well. 

Because they are breaking the law and violating my rights I'm requested the following resolution below.
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 {$19000.00}, {$12000.00}, {$2000.00}, {$28000.00}, {$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 {$19000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 


-- AUTO ACCOUNTS 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has gone over and beyond to lock access to my Equifax ID, XXXX  against me several times & while I am in a security freeze is failing to take accountability for their bad dispute/reporting procedures
Product: Debt collection

In XX/XX/2022, I contacted online XXXX asking for internet service. 
From my conversation with company representative, the best choice for my service, was a discounted service plan for 1 year service. I told to that employee that my house will be soon on the market for sale, and he told me that still on that condition, when I move after selling my house, XXXX will move my service to the new address, they cover the entire USA teritorry, only to accept continuing their service for the entire year. 
I mention that I was their customer for many years, so will not be a problem from my part. 
After 1 or 2 month, I sold the house of 26 years and I and my family relocated from the old address in XXXX XXXX XXXX  to meet our only relatives, our son family. 
I tried to fill up the moving process of internet service with XXXX, but they did not serve my new address, so I contacted other provider with double price for same service. 
After a wile, I was receiving letters from XXXX with a {$240.00} charge without any explanation for what service or reason. 
I mention that I was not able to contact XXXX, only way to contact them is when you ask for a new service contract. 
I receive a letter from a debt collector on behaf of XXXX for a unexplain reason of {$240.00}, I replay to them I don't have any debt to XXXX  explaining all the above and they understood. 
After a while, another debt collector, AFNI INC, with a debt of {$240.00} that I own to XXXX, not specifying the reason. I reject the debt because I paied all my service bills, and if thy charge me as a penalty of moving I told them how XXXX promised me they will move the service not matter where in USA, so I am ready to receive their service to the new address, as our conversation on the beginning of the contract, the only issue that may be with them. 
ANFI INC, send me another letter to pay {$240.00} to XXXX because they verified my account with XXXX and there is written my debt. 
.I do not accept this charge, I did not do anything to pay this amount.
Product: Mortgage

IN 2014 CITIMORTGAGE FORCLOSED OUR HOME AFTER 24 YEARS AND LESS THAN 7 YEARS FROM OWNERSHIP. WE EXPERIENCED UNEMPLOYMENT HARDSHIP AND MISSED PAYMENTS. PLEASE REVIEW THIS COMPLAINT AND HELP US FROM BEING HOMELESS FOR THE PAST 3 YEARS, LIVING FROM RENTAL TO RENTAL.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attorney XXXX XXXX of XXXX had written a letter to XXXX XXXX to have them remove {$19000.00} worth of credit that we never consummated. In short, Solar Mosaic ( XXXX ) wanted to install a solar system at our residence at XXXX XXXX XXXX XXXX, XXXX, CA XXXX but they never installed it. Attached is the letter sent to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXXXXXX 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
Product: Mortgage

Dear Sir/Ma'am I have been in an endless loop of modification process originating with XXXX XXXX who sold to XXXX who sold to Clear Spring - all institutions inviting us into a modification process only to strategically refuse us. They each have given us hope and put us through endless paperwork and anguish to only lead us on then to reject us. 
Over the years with XXXX we encountered endless loops of miscommunications and misinformation. We were making payments to XXXX when they abruptly stopped accepting payments from us. We were in mid process of a modification process with XXXX when they informed us they sold us to XXXX. We were encouraged by XXXX to pursue another modification process only to be denied and sold to Clear Spring. Clear Spring encouraged us into a modification process only to swiftly deny us and swiftly put us into a foreclosure process. 
Our Loan Number with Clear Spring is # XXXX. 
- a few years back an unfortunate event brought on by the demise of the housing investment market which was led by the unfortunate policies of the mortgage banking institutions led us subsequently into the bankruptcy process - we struggled to remain strong as a family. We compiled our dignity back and moved forward. As a result our marriage suffered but we struggled to rebuild our lives. Out of our Bankruptcy plan in XXXX 2012 the judge specified in the plan for our primary residence was to do a modification with XXXX. This is item XXXX in our plan - to retain Homestead property for modification process with XXXX XXXX XXXX - # XXXX. This did n't happen XXXX swiftly denied us and sold us. I am a XXXX and a military veteran. I have proudly put our children and family first and I have stayed employed at multiple XXXX jobs to allow our children to remain in our home we love. 
- We have been denied after exhausting process with different institutions for one reason after another which I believe was just to get us into the foreclosure process for the banks. XXXX denied us because we went through bankruptcy - which they knew going into the modification. Clear Spring simply said investor - XXXX XXXX XXXX - declines to consider the request for a loan modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a settlement letter in the mail and called to make payment. I asked the representative if the item would be removed and they advised it would. However, instead of removal the balance was updated and the account left open.
Product: Debt collection

Caine & Weiner Company Inc falsely claims that I owe {$390.00} to XXXX XXXX XXXX XXXX on XXXX XXXX. I recently opened up my first credit card with XXXX XXXX Bank on XXXX XXXX so this debt is unquestionably invalid. This debt was owned by my father with the same name as me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time disputing these accounts that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX XXXX XXXXXXXX # XXXX -XXXX  # XXXX -XXXX # XXXX -XXXX XXXX  # XXXX ( Medical ) XXXX XXXX # XXXX -XXXX XXXX XXXX  # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Over a year ago XXXX gave a routine background check to my Employer of almost two years, XXXX. The report was incorrect and got me immediately terminated. For over a year they would not give me a copy of this report until the CFPB stepped in and I got it. 

The report was incorrect, I disputed it, it was corrected and sent to me. Problem I'm having is they're telling me I have to get XXXX to request a new report for this information. XXXX under no circumstances will do that, not to mention it's their responsibility it's Checkr 's. Checkr not only never informed XXXX I disputed the report, they're refusing ( XXXX XXXX to furnish them a corrected report, so I am at this point still unable to work over a mistake that's been corrected. 

I'm sorry to bother you guys with this again, even though it is a separate issue, they just don't do anything unless the CFPB is involved and I shouldn't be barred from employment because of a mistake. I also think they've known this was a mistake for over a year and that's why they never furnished a copy.
Product: Debt collection

CAINE WEINER ( Original Creditor : PROGRESSIVE ) BALANCE : {$460.00} STATUS : OPEN ACTIONS TAKE : I have attempted multiple times to communicate with the debt collector and the original company. All attempts have been received with aggression and harassment. They have made it very clear they are not willing to work with me in clearing up this situation. It is effecting my personal and professional life.
Product: Credit reporting or other personal consumer reports

I have been going back and forth with Equifax since XX/XX/XXXX and its going on a year now. I have been asking them to send me the verification and validation from XXXX XXXX whom they keep saying they are obtaining information from on a dismiss bankruptcy and they have not sent that information to me. I spoke with XXXX the end of XX/XX/XXXX and I ask them to send me a copy of both they reports the consumer and XXXX report I recieved both on XX/XX/XXXX and it shows no bankruptcy on either of the reports. Per Law all reporting is to be complete and accurate or its not to be reported. According to 15 USC 1681i ( 7 ) They are suppose to provide me with the discription of the investigation of the actual report they recieve from lexis nexis and they have not and its been over 30 days. when I spoke with XXXX XXXX they told me i don't have no bankruptcy in my file and they have been trying to contact equifax to let them know I don't have no bankruptcy in my file but they said equifax is not repsonding to them I will be attaching both XXXX reports that reflect no bankruptcy and its highlighted and the other has a consumer report link to look at my consumer file that doesn't have a bankruptcy as well.Equifax is violating my rights and they need to remove this.
Product: Credit reporting or other personal consumer reports

According to Section 605B of the Fair Credit Reporting Act ( FCRA ) gives consumers the right to request that credit reporting agencies ( CRAs ) block the reporting information on their credit report that was the result of identity THEFT. Because my information was disclose on the Data Breach : I have several fraudulent accounts that should be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These Accounts are due to the Data Breach, therefore they should be removed immediately from my consumer report. 
15 U.S.C 1681... PROMOTES THE ACCURACY, FAIRNESS, AND PRIVACY OF PERSONAL INFORMATION ...,
Product: Credit card or prepaid card

Hi, my name is XXXX XXXX I purchase a gold chain from XXXX from I return the chain because it was to small I purchase the chain on XX/XX/2023 receive XX/XX/XXXX and I requested a return on XXXX website and I took it to a XXXX  store XX/XX/XXXX I received a notice on my XXXX account that the return was completed and refund at the end of XXXX. I receive my XXXX, Chase credit card bill and it showed the chain on it so i call Chase and report that I return the chain so they ask me if I thought it was fraud so theyre cancel my credit card and send me a new one while there doing their investigation, so i receive my XXXX bill the chain was not on there, so i thought the problem was fix then I receive my XXXX bill and the chain was back on it so I called them they couldnt find a fraud problem, so they asked me if I want to dispute the charges so I wrote them a letter there send me a letter in the mail few weeks later, they couldnt find any information so I am responsible for the charge
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
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
Product: Debt collection

On XX/XX/XXXX my wife and I got a letter in the mail from Wakefield and Associates claiming that they were collecting on a debt from XXXX XXXX XXXX  XXXX  for {$110.00} ( by the way the real debt was actually {$110.00} ). This debt was paid on XX/XX/XXXX 2  days before it was sent to collection and I called to tell them that. I also told them to contact the XXXX XXXX XXXX  XXXX to confirm that this debt had been paid. Wakefield and Associates refused to do this saying that it was our responsibility to pay this. I told them that it should be their responsibilities to make sure a debt they were collected on was valid ; however, they would not do this. Therefore, I contacted our XXXX credit union the bank that issued our bank card used to pay this debt. XXXX emailed me a copy of the transaction proving that the debt had been paid. I called Wakefield and Associates back within 30 minutes of our initial conversation and told them to send me an email address so I could forward XXXX information to end this debt harassment and not to contact us again about the matter again. They gave me an email address and I sent them the information that same day. Today XX/XX/XXXX, I get a new letter from Wakefield and Associates saying that we now own them a different amount from XXXX XXXX XXXX   XXXX  for {$57.00} and stating that we did not send them proof of the payment in the question above. All of a sudden, the amount has changed from {$110.00} after we proved we paid them. I think they know we paid them, but they are making up new changes for financial gains for themselves as our bill from XXXX XXXX XXXX  XXXX was only {$110.00}. We have never had another bill from them. Attached is an actual bill from XXXX XXXX XXXX XXXX and the XXXX statement. Wakefield and Associates are harassing us and trying to get payments that are not due. In addition, they over-inflated the initial charges that should have been owed. On a small scale this is not big but if you look over their entire history they are probably stealing a lot of money by adding on a few cents to each collection case.
Product: Debt collection

Dear BoA ; Hoping that you're doing well during this pandemic ... .. Listen, I'm not sure why you continue to report inaccurate, incomplete, and unverifiable information on my credit report. Also, i was promised that once the payment cleared you would contact the 3 major credit bureaus and remove it from my credit report entirely. You continue to mention that you verified the data on this account, but I've attached the proof that i paid off the account and i'm not LIABLE for this account and want this deleted from my credit as promised. There is no way you verified because it still reports incomplete, inconsistent, and unverifiable information. Please delete!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft due to an XXXXXXXX XXXXt breech. XXXX   XXXX services and XXXX XXXX services continue to report these fruadulent accounts for monetary gains. They have been sent all the information needed including identy theft report, ID VERIFICATION, POLICE REPORT AND FRAUDULENT ACCOUNT information to permanently block these identity theft accounts from my credit according to section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Product: Credit card

My privacy was not protected when discover card gave my information to XXXX XXXX XXXX according to 15 USC 1681 I have the right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian about fraudulent accounts on my credit file for months. They have refused to delete these accounts. I have been a victim of identity theft. According to 15 U.S. Code 1681c2 - Block of information resulting from identity theft. A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. 

Accounts & Accounts Numbers 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 None of these accounts should be on my credit file. I mailed a complaint letter to Experian with an attached FTC identity theft report on XX/XX/. Experian refused to comply with my request. This damaging my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2023 Equifax has incorrectly dropped my Equifax FICO credit score a total of XXXX points for having multiple hard inquiries while shopping for a mortgage during my shopping window. I had different XXXX Inquiries for Mortgage loan products on XX/XX/2023, XX/XX/2023 and XX/XX/2023. All within the 45 day allotted shopping window for mortgage products. On XX/XX/2023 Equifax deducted XXXX points for the hard inquiry on XX/XX/2023 and another XXXX points on XX/XX/2023 for the inquiry on that occurred on XX/XX/2023. 

As of XX/XX/2023 XXXX has also incorrectly dropped my XXXX  FICO Credit score a total of XXXX points for having multiple hard inquiries while shopping for a mortgage during my shopping window.
Product: Checking or savings account

On Sunday XX/XX/2020 I deposited Cash into the ATM at XXXX XXXX XXXX XXXX, XXXX Florida for the amount of {$3000.00}. The ATM had technical Difficulties and did not process my transaction however did not return my cash either. It gave me a receipt stating I must return to the branch when it is open to " reclaim or receive my items deposited ''. The very next mourning on Monday XX/XX/2020 I went to the bank to do so. The bank said I need to file a dispute so I did. I just called the bank corporate number and they said the dispute is closed and no credits issued! I have filed a police report which I will attach the case number. I made this deposit between XXXX and XXXX on XX/XX/2020. I have attached proof of everything.