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

There is no legally admissible evidence to verify the accuracy of what Helvey & Associates is reporting, and this debt collection agency have not validated pursuant to the requirements of the FCRA. I am complaining about the impermissible access of my credit report by Helvey & Associates, in direct violation of the Fair Credit Reporting Act ( FCRA ). Last month, I have discovered that the Helvey & Associates fraudulent account had been opened in my name without my knowledge or consent. I need proof of a wet signature of an application w/ Helvey & Associates and proof this is a credit transaction w/ Helvey & Associates . Helvey & Associates are in violation of federal and state laws, and I will go legal if this isnt removed. Helvey & Associates accessed my credit report without my authorization or a permissible purpose as outlined under 15 U.S.C. 1681b, which regulates the legal purposes for which consumer reports can be obtained. I have been in contact with agencies via writing and have evidence on hand, expressing this does not belong to me and I am being ignored.
Product: Credit reporting or other personal consumer reports

I am reaching out to emphasize the urgent need for the removal of certain unauthorized inquiries from my credit report. Upon thorough examination, I have discovered XXXX inquiries that were conducted without my authorization, and I have no recollection of engaging with the respective creditors. 
The unauthorized inquiries are as follows : Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/year> Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/year> I want to bring to your attention that XXXX, a prominent credit bureau, promptly deleted these hard inquiries from my credit report. You may verify this action by contacting XXXX directly. Failure to rectify this issue promptly may result in legal action being taken against your bureau. 

It is imperative to address these unauthorized inquiries swiftly to ensure the acuracy and integrity of my credit report. Failure to do so may necessitate legal action to uphold my rights under the Fair Credit Reporting Act ( FCRA ). 

I trust in your understanding of the significance of this matter and urge your imediate action to rectify it. By removing these unauthorized inquiries, your bureau will not only fulfill its obligation under the FCRA but also demonstrate its commitment to providing accurate and reliable credit reporting services. 

I kindly request acknowledgment of this letter and confirmation of the removal of the unauthorzed inquiries from my credit report. Your cooperation in resolving this issue expediently is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently pre approved for a kohls credit card then I got a letter in the mail stating " We regret that we are unable to open an account due to lack of existing credit information on your report based on report obsessed by XXXX either this company Koh'ls is lying  that they checked my credit report or they were given false information on me by XXXX XXXX I would simply like for this Inquire to be removed or be sent a report of information provided to Kohl 's . Application # XXXX
Product: Debt collection

Phone calls started the day after the due date. First day they called me 4 times, second day they called me another 4 times, that XXXX  they called me 3 times, then on XXXX  I was called again twice. Thats XXXX times in one week. This week they have called me 4 times on XXXX, twice on XXXX, 4 times XXXX, and once already XXXX. Thats XXXX times in 3 days!! I've told them to stop calling me to frequently and that its going to jeopardize my job but they clearly don't care. I feel that I am being harassed at this point and I've advised them that under FDCPA 2021 update they're not supposed to call more than 7 times in a 7 day period. Please help!
Product: Debt collection

I recently obtained copies of my credit reports and I noticed The company Portfolio Recovery. I have no idea who they are and I do not in any way owe them anything. Upon investigating this issue I found that Portfolio Recovery is not licensed to collect a debt in the state of Georgia. Therefore they are operating illegally by attempting to collect this inaccurate debt from me by reporting it on my credit files in an adverse capacity.
Product: Credit reporting or other personal consumer reports

I have contacted Experian, XXXX and XXXX multiple times requesting they remove this information off of my consumer report. They have failed to remove information. Below are documents sent to them to remove and update all information! I would also like opt out of the arbitration clause in their agreement.
Product: Checking or savings account

I have been a member of Chime ; The XXXX XXXX  for over 10 years. On XX/XX/2022 Chime sent me an email stating they were closing my savings account. Later noticed my checking and credit card accounts were closed also. They stated I would receive a paper check in mail in 30 business days. Rent is due XXXX XXXX and I had JUST got paid. I am at risk of being homeless with my XXXX kids; didn't have no money to feed them and my utilities are pending disconnection. This has been VERY inconvenient ; did not provide any other option for disbursement of remaining funds. And credit score has decreased dramatically. I do not have an exact or specific reason as to why. Upon attempting to resolve with them they KEEP sending robotic emails saying same thing. Strongly believe I'm being discriminated against
Product: Mortgage

I have had enough! The customer service from Fifth Third Bank throughout the entire process of my applying for and receiving this HELOC has been effectively lacking. Now they had the audacity to freeze my account for no proper reason that I could understand using incorrect information on my credit account. I signed the closing papers for this HELOC late XX/XX/XXXX and never received access to this account until XXXX XXXX ... ..please explain to me how ... then when I called the bank to ask if I could get some directions on how to access funds and use the account and use funds one of the customer reps said to me, " No one is going to do that for you! ". The problems just continued on from there. The case number attached to some of my issues is XXXX. My problems were never ever totally resolved but I am certainly sure that the resolution specialist attached to this case marked it off as resolute. The audacity of this bank to send me this letter after such horrible service. 

Problem # XXXX - What is the agreement that I signed that this account suspension is based on? The only requirement from the underwriter that was brought to my attention was that I needed to consolidate my auto loan and outstanding credit card debt at the time into the HELOC. Soooo ... ..I am extremely confused. I would think that if I was in violation of an agreement a call should have been placed to me. This just screams sloppy and lazy action. 

Problem # XXXX - I do not have any delinquent accounts Problem # XXXX - I have a fraud alert on my account. If you review my credit history and something does not satisfy you and at the same time you see this alert ... .as a financial institution knowledgeable about why these alerts are placed, common sense will also dictate that a call be placed. 

Problem # XXXX - reference to a MasterCard was made in the letter I received. Where is it?? I never received it?? The resolution specialist attached to the case number said she would get it sent to me and never did so. I want it! Back dated with all the rewards I should have received.
Product: Credit card or prepaid card

I reluctantly opened at charge account at Kohl 's at the instance of a cashier ( XX/XX/XXXX ). 
I paid off the first bill online by enrolling my bank account information into the Kohl 's website. I don't remember agreeing to email statements ; it must have been a default checkbox somewhere. 
Some number of months later ( XX/XX/XXXX ) I used the credit card, expecting the bill to be paid automatically like every one of my other credit cards is. The bill was due XX/XX/XXXX, but unpaid since I apparently was not enrolled into the auto-payment system. 
Kohl 's online statement went to a junk mail account and I never read it. Kohl 's had the email receipt feature turned on, so they should have known I never read it. 
Kohl 's did not call me to inform me that my payment was late. The cashiers at the store can accept payments at the register, but they never told me that I had an outstanding balance. 
Kohl 's printed a USPS notification on XX/XX/XXXX. I read it on XX/XX/XXXX and I immediately called them and paid my bill, including all the fees ( which were almost as great as the original balance ). 
The customer service agent said that they report late payments at 30 days late and are required to report late payments ( this is not a true statement ). 
I called Kohl 's back a few days later and spoke to a supervisor. She said Kohl 's doesn't report late payments until 60 days late. My payment was not 60 days late, so I didn't worry much about it. However, I called back again and asked if Kohl 's had indeed reported me to the credit agencies. The agent did not know, but submitted a request to the back office. She said they would get back to me within a few days. They never did. 

My credit history was almost perfect and now spoiled because Kohl 's did make a reasonable attempt to notify me of the problem. 

My complaints : 1 ) Kohl 's did not call me nor send USPS mail when they should have known that I was not receiving their emailed statements. I would gladly have paid immediately upon notification.

2 ) The first agent said that Kohl 's was required to report late payments and there was nothing they could do about that. This is incorrect information.

3 ) The second agent gave me false credit information about when Kohl 's reports late payments. My payment was not 60 days late.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  and XXXX XXXX  must expose their wrongful fraudulent actions they take on behalf of fake doctor illegal immigrants XXXX XXXX fake XXXX XXXX against myself the legal owner document attached or lie a duplicate and be fined by the CFPB
Product: Checking or savings account

My personal checking account as well as my business account was closed at Chase bank. I received the check in the mail with the remaining funds of my personal account but they have suspended my remaining funds in my business account even though the account has been closed by them. I called customer service numerous times over the last 2-3 months. They have not given me a reason as to why they are withholding my funds nor have they given me a time frame of when it will be released. They said the back office needed verification. Verification has been sent from XXXX bank but they have yet to release my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting accounts that do not belong to me. I have explained that these are FRAUD accounts & should be removed from my credit report but I am bounced back & forth between the companies that are listed and Equifax. This information does not belong to me for the accounts XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$960.00}. I have been a victim of identity theft and these accounts are ALL FRAUD!!!!!!!
Product: Debt collection

This company keeps calling and threatening that I will be sued or arrested if I do not contact them within 24 hours. They will not validate any debt and when you question anything they hang up on you. If this is a valid debt they need to validate it. If it is not a valid debt they need to stop calling. Also they need to stop using threat tactics to try to collect a debt. They say their name is Premier Portfolio and they call from many different numbers from different states. They have told me that they can not provide with the name of who the original debit is owed to. This is information that by law I need to be provided. This company needs to stop calling people.
Product: Credit reporting or other personal consumer reports

I am writing to you today in an urgent and aggressive manner to dispute a fraudulent accounts that has been reported on my credit report. This accounts is a result of identity theft, and I am deeply concerned about the potential harm it may cause to my financial well-being. I expect TransUnion to take swift and thorough action to investigate and resolve this matter. XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I had a credit limit of {$1500.00} for dental work. When I had to get a test done for my XXXX and I was told by my doctor 's office that it was not covered by my insurance, I place a {$75.00} dollars on this account. The credit card company sent out a new card to the wrong address and the person at the old address maxed out the card.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ACCOUNT # XXXX 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 REPOTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
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 update or delete them immediately in my report 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: Credit reporting or other personal consumer reports

I am writing to request that you remove these fraudulent accounts and inaccurate information from my credit reports at your earliest convenience. I gave no authorization for these fraudulent accounts and innaccurate information to exist. It recently came to my attention that these fraudulent accounts and inaccurate information are currently reporting on my credit reports. I also want to include fraudulent inquiries from my equifax credit report that I did not authorize to exist. 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 Upon further investigation, I can conclude that I am a victim of Identity Theft. My rights under the Fair Credit Reporting Act ( FCRA ) laws are being violated. According to the Fair Credit Reporting Act ( FCRA ) and ( 605B ) 15 U.S.C. 1681c-2 laws, and other Fair Credit Reporting Act laws that are relevant to this matter, these fraudulent accounts and information that I have truthfully identified in this affidavit must be removed and deleted from my credit reports immediately. Please provide me with written confirmation that these fraudulent accounts and inaccurate information have been removed.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  XXXX - XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX  XXXX - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Please HELP! I have submitted info to everyone I could think of, nobody has been able to help or able to tell me where to go next! Quick summary, in 2019 my mortgage was a month and a half passed due, in fear of foreclosure, I agreed to sale my home of XXXX yrs to a man who called me from XXXX XXXX XXXX whom explain to me I could rent the home from him stay in the home and have the option to purchase XXXX years later while that day came and when I went to go purchase the home again I found out that the mortgage was still in my name you cant get a new mortgage on a home that you already have a mortgage on so then I went to the title company and there were a few title pages that I had never seen before but had supposedly had my second signature on them but I believe they were added at a later date without my knowledge also I keep getting informed that Im late or behind on payments for the home and that the mortgage company had changed and the information had also changed he had gone in and change the addresses so that I wasnt getting any of the statements or so I never found out about it and he changed it to his address in XXXX XXXX well now he has stopped making the payments on the home XXXX late at least the last 10 months in a row and finally there is a notice from the bank on the door for repossession and it is killing my credit. I cant even rent an apartment or do anything with that on my credit report that is so not fair I want my house back and thats off of my credit it is out of my control and was not my fault please somebody help me thank you XXXX XXXX XXXX
Product: Debt collection

When picking up the phone, an automated voice comes on " this is XXXX XXXX with Midwest recovery systems, please hold for the next available representative. '' Most of the time, the phone rings several times and then goes to an answering machine. When a representative does answer, they immediately ask for my name and then say there is a claim against me. They say I owe $ 700+ and I must pay by end of day or they're submitting a warrant and sending the local police to my location ( they gave an address I had out of state 5 years ago ). When I asked them to send me information regarding the debt they said - we did. I said I never received it and I have no knowledge of it, the lady 's response was - That's what they all say, pay today or you're going to jail. I told her I need to speak with my lawyer and she hung up on me. 

Upon call backs to this company, no one will state the name of the company. They immediately ask my name and won't give any other information. When making repeated call backs to attempt to get another representative, it is the same person EVERY time. 

The number they call from is XXXX
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX XXXX on XX/XX/XXXX for {$27000.00}. The loan was financed through Bank of America. The purchase price had a 2.23 % interest rate and a Finance Charge of {$1500.00}. My monthly payment is {$480.00}. 

I contacted Bank of America Customer Service three times requesting the original loan information, per diem daily rate and if this was a front-loading interest contract. Each time, I was assured the statement was mailed. After not receiving the requested information, I went to the Bank of America Branch located at XXXX XXXX XXXX XXXX, XXXX, VA on XX/XX/XXXX and spoke with XXXX XXXX three times and he indicated he would not be able to provide a written breakdown of the monthly Finance Charges until next week. He indicated it would take time for this statement to be generated. He did provide two ( 2 ) printouts that were dated XX/XX/XXXX, that was faxed. The first document was an Account Transaction History, and the second document was a generic form on how to calculate interest. This document did not detail my personal loan. It was a generic document ( attached ) that was was not relevant to my auto loan. 

I have been charged Late Fees after paying my note on time. I was able to get some of the charges reversed after catching the errors. However, Bank of America attempted to withdraw {$48000.00} on XX/XX/XXXX, from my checking account from XXXX XXXX XXXX XXXX ( XXXX XXXX I may have inadvertently typed {$48000.00} instead of {$480.00}. But my payoff balance was only {$15000.00} and without my permission the bank attempted to withdraw {$32000.00} from the same account on XX/XX/XXXX. This does not make sense. On the bottom of the faxed Account Transaction History, it states, If you wish to pay off your account, you must obtain payoff information. Please call XXXX. I never contacted Bank of America requesting a payoff. 

Finally, I understand that Bank of America is a for profit entity. Finance charges are part of the business. However, {$94.00} a month is not reasonable. I have requested over and over again for Bank of America to explain how they calculated the {$94.00} monthly finance charge ; to no avail. I earned the right to have a 2.24 % interest rate by paying my bills on time and making sacrifices to pay off debt. It took me a long time to establish great credit. Please ensure Bank of America act with honesty and integrity and fix this issue.
Product: Credit reporting or other personal consumer reports

XXXX and The Home Depot are violating my consumer rights by reporting XXXX late payment for the XXXX, XXXX, & XX/XX/year> that they have not proved to be verified as accurate. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.