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

I HAVE DISPUTED OVER AND OVER FOR 5 YEARS NOW ACCOUNTS THAT ARE FRAUD. NOW I HAVE INQUIRIES THAT KEEP POPPING UP I HAVE SUPPLIED POLICE REPORTS FTC REPORTS AND XXXX KEEPS COMING BACK SAYING THEIR MINE. I DONT THEY ARE EVEN LOOKING AT THE REPORTS SENT TO THEM. BUT THIS IS DAMAGING MY CREDIT WITH XXXX. HOW DO I GET THIS STUFF REMOVED I HAVE EVERYTHING TO PROVE IT IS NOT MINE. I NEED HELP. 

XXXX EQUIFAX XXXX THEY NEED TO READ THE FTC REPORT CAREFULLY AND SEE THE ADDITIONAL INQUIRIES AS WELL AS THE ACCT NUMBERS TO EACH ACCOUNT THAT IS FRAUD,
Product: Credit reporting or other personal consumer reports

Midland Credit Management has reported a debt against my Social Security Number that has heavily affected my credit score.MCM has reported the debt as being opened in XXXXXXXX XXXX XXXX. I know that time of debt has adverse affects on scores and they have intentionally listed the debt at a different date. The information on my credit report is inaccurate. I also have another company trying to collect the same debt Who is MCM giving my personal information to? Please delete my information as it is wrongfully being reported and please stop sharing my information with XXXX. In the response to this complaint.I would like to know how and why XXXX is contacting me and has my private consumer information? 
In the photos attached, you can see that you can pay XXXX or MCM.
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 {$11000.00}, {$10000.00}.

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 ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.

-- AUTO ACCOUNT -- 2. XXXX XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$10000.00} -This is not my account.
Product: Money transfer, virtual currency, or money service

Dear XXXX XXXX : PayPal has held funds provided to me by my customer via credit card since XX/XX/XXXX. There were XXXX invoices paid by my customer totalling {$30000.00}. PayPal shows that the funds are available to me, but when I try to transfer them to my bank account, it says " Something has gone wrong ''. They have sent me numerous messages which they said needed to be resolved to release payment. So far, I have provided my photo ID, a Bank statement, information about my business, my vendor/supplier information oand contracts, my business license, proof of order fulfillment and tracking, information about my transactions, invoices from my vendors, expalanations of activity change. And after all of this they are now asking to speak with my customer, who is a XXXX XXXX company. I sent them a note on XX/XX/XXXX saying that this was unprofessional and I did not want them doing this to my customer. On XX/XX/XXXX, they said funds might be held for up to XXXX weeks and would be released on XX/XX/XXXX. On XX/XX/XXXX, they said, funds would be released on XX/XX/XXXX. Then they said their back office would release in XXXX to 5 days, but they are still refusing to release the funds. 

Please advise how to proceed, as I Iam a small business owner. I have paid all of my vendors for these purchases, but am not getting the funds that are owed to me. 

Sincerely, XXXX XXXX - XXXX # XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A CONSUMER DISPUTE REQUEST! I AM NOT REQUESTING THAT EXPERIAN DISPUTE ANY ACCOUNTS IN THIS COMPLAINT. THIS IS A COMPLAINT OF EXPERIAN NON-COMPLIANCE of FCRA 611 ( a ) ( 6 ) ( B ( iii ). 

On XX/XX/2022, I sent an correspondence to Experian requesting the Method of Investigation for the prior disputed accounts that was submitted on XX/XX/2022. I have reason to believe that a thorough investigation was not completed therefore I requested the Method of Verification from Experian. 

As stated in the FCRA 611 ( a ) ( 6 ) ( B ( iii ) provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

Experian failure to comply with FCRA in regard to providing me with the method of Verification is a clear violation of my federal rights as a result of their non-compliance. Experian ignored my request and sent me a general response non-related to the Method of Verification that was requested.

FCRA 611 ( a ) ( 7 ) provides : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

I have not received the Method of Verification from Experian. I am attaching the original Method of Verification Request that was sent to Experian. I am also attaching the certified mail receipt and signature receipt showing that Experian did receive the correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. I need the following items will be corrected ASAP. Thank you. 
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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

On XX/XX/XXXX I filled out an application for a mortgage for land and a house build from Mortgage Equity Partners. It got accepted and I was working with a lending officer for the pre-approval process. I was given a pre-approval on XX/XX/XXXX, which was then void due to my credit being one point lower than it needed to be. My credit went up substantially, and I was given a second pre-approval On XX/XX/XXXX. I put an offer in on the land and paid a deposit once they accepted my offer ( {$2000.00} ). Per instructions from the lending officer, I had to get quotes for every aspect of the house build. I had to hire an engineer to draw up the site plans. I also had to hire an engineer to draw up the house plans totaling around {$11000.00}. While getting all the quotes, I was still waiting for a loan breakdown, which I never received. After asking for that paperwork, all contact with this lending office went quiet. All of my realtors phone calls, emails, text messages were never answered. Finally my realtor wrote an email to the president of the company which resulted in a phone call from the president stating that. We are so sorry, your lending officer completely messed this up and you should have never been approved for this loan in the first place. Reasons being my credit wasn't where it needed to be. They have refused to give us a denial letter because they said they dont even know how to write one up since I never shouldve been approved. They tried to rectify this by telling me they would do whatever they had to do to get me the loan. Which they never did. They then sent me a text on XX/XX/XXXX stating that I needed to fill out a new loan application so that they could deny me in order for me to get my denial letter. I refuse to do so As it will damage my credit score. Since then, there has been little to no contact with this company. This is completely unprofessional and I feel this is Fraud.
Product: Checking or savings account

Date : XX/XX/2022 Bank : TD Bank Transaction : {$150.00} and {$200.00} were taken out of my account. 
I noticed that there was fraud on my checking account, and it was fully compromised. 
I followed all of TD bank account holding policy, meaning did not share account information, share debit card with another individual, and did not lose any of my belonging. I followed up with a claim on the day of my account being compromised, but I was just informed on XX/XX/2022 that my claim has been denied, even though I followed their policy to the maximum.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Mortgage

On XX/XX/XXXX we made a payment of {$730.00} to BMO Harris Bank, as we always do on or around the XXXX of each month, but a few days later we noticed that the payment had come out of our account twice. One on XX/XX/XXXX. and one XX/XX/XXXX We did not authorize a double payment. We contacted our bank, XXXX XXXX, and they told us there was nothing they could do for us and suggested that we contact our mortgage company, ( BMO Harris Bank ). We contacted BMO Harris Bank, at XXXX and talked to a woman named XXXX on XX/XX/XXXX and explained the problem and told her we needed the money back to pay other bills and that the lack of money in our account was making other payments bounce, incurring charges from our bank for two over drafts. They told us they would mail us a check right away. They didnt. We called over the next month or so talking to other customer service people, one named XXXX near the end of XX/XX/XXXX. and there was always an excuse for why they hadnt sent the check. Finally one of the customer service people told us that they would just apply the money as our next months payment. They told us not to make the payment for XX/XX/XXXX. so we thought the matter was resolved. Then we got a payment delinquent notice for not paying the XX/XX/XXXX. payment. We called and ask for a manager, that manager was XXXX XXXX and explained everything to him. He assured us that he could see on our account that every thing had been taken care of, and not to worry. He gave us his number XXXX and encouraged us to call if anything went wrong. The following month we got another delinquent payment notice and the manager we had talked to, XXXX, will not answer his phone or return our messages left on his voicemail. They took our money and wont give it back or apply it as a payment. They are just keeping it.
Product: Checking or savings account

My identity and social security card was stolen from me since XXXX any accounts opened under XXXX XXXX was made without my consent. Please close all accounts under XXXX XXXX. 
You may contact me XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Have tried for a month to thaw the freeze I have on my Experian credit report account but am unable to speak with a human to determine why the Experian system doesn't recognize my user name, password, telephone numbers, tells me my birthdate and social security number don't matchup with what Experian has, I have called every phone number I have been able to find for Experian ... each number leads to the same automated voice response that puts me in a loop I am unable to get out of. I repeatedly ask to speak to manager and always get the same response... I can not be connected to a specialist at this time because such a connection is for limited reasons. I believe Experian has my information mixed up with someone else 's information. There are many complaints online about not being able to speak with a human at Experian. How can Experian stay in business if one can not speak with anyone to help resolve issues like mine?
Product: Credit reporting or other personal consumer reports

My name is misspelled on my credit report and they will not fix it. They are lying saying it is verified. They have me listed as XXXX XXXX XXXX. My middle name is XXXX. Ive tried multiple times to have them fix it but they refused each time.
Product: Credit reporting or other personal consumer reports

Metro 2 compliance letters were mailed out to all XXXX credit bureaus on all of these following dates. 
XXXX XXXX XXXX XXXX XXXX They seem to refuse investigating my accounts considering all the stall letters I've received.
Product: Checking or savings account

on XX/XX/XXXX, i purchased a " service '' that turned out to be false. the " merchant '' never delivered my order, and upon reaching out i never even got a response back from them. i also started looking for reviews on the " service '' and they had a reputation for not fulfilling their orders and essentially just keeping the money. so i tried to dispute the transaction with cashapp, since i used the card i have with them for the transaction. they provide no claim number but below i have attached my chats with their customer support and the email i received upon sending my dispute on XX/XX/XXXX. They show no interest in wanting to give me an update and aren't too keen on even expediting the dispute process when i have provided sufficient evidence of the merchant essentially running a scam. They give me the same generic response every time i try to follow up and seem to get no where. i just want to be reimbursed for my funds that have been withheld/ missing now for well over a month for a service that is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act CB INDIGO  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It 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 a victim and Survivor of XXXX XXXX XXXX and XXXX  XXXX. Please see all enclosed forms as Evidence according to Federal Regulations and remove all requested information from the consumer report. Thank you
Product: Debt collection

My credit report contain medical bills that 's is not mine did n't see a XXXX doctor i have n't had any XXXX trouble.there 's is also XXXX doctor i have n't had an XXXX since 2003
Product: Checking or savings account

I was trying to open a checking account with Wells Fargo Bank by online system, but they asked to walk in and have 2 form of identity, I take with me my California Driver License and my Social security card. 
The banker started my application but after 2 or 3 minutes she told me she is not able to open basic checking account for me, I asked the reason and she didn't have any answer for me.
Product: Credit reporting or other personal consumer reports

On or about XXXX/XXXX/23, I was sent an email by XXXX XXXX XXXX requiring me to have a waiver by obtaining a public notary for income information which included three months of a bank statement along with a waiver for me for some undisclosed IRS documents. I informed the rep at that time that I had no intent with complying with that request because it is my belief that it is unconstitutional that a private credit card company could make me do something that the IRS does not require. On or about XXXX/XXXX/23, I called XXXX and I talked to XXXX. I asked XXXX why was I picked out for an income verification. XXXX could not explain why, and I asked to speak to a supervisor. XXXX, who identified herself as supervisor, come to the phone, and said the exact opposite of what XXXX has stated. XXXX stated emphatically that this was not an income verification, but rather an identity verification. I told her " I was not required by law to file a income tax statement that the Internal Revenue Service did not require me to file. '' In fact, the Social Security Administration says that I can use the figure they assign for all types of loans. I told her I was willing to provide this federal documentation. That I have a valid US passport, a valid Illinois driver 's license, and a valid Illinois state ID, and I would gladly provide that information if she would provide me a reasonable way to provide this. On or about XXXX/XXXX/23, I was told that this issue would be resolved. I was given specific dates. I was suppose to get a call XX/XX/23 before XXXX XXXX. I was supposed to receive a call on XX/XX/23 before XXXX XXXX  as well. I did not get a call. I talked to a XXXX XXXX, and I let him know that we were coming up on XX/XX/23, and I wasn't going to comply with signing an IRS document, getting a notary affidavit, or providing three months of notarized bank statements. I wanted to know what the internal process was of being to resolve this issue since it has been from XXXX to XX/XX/XXXX to resolve it. I informed XXXX XXXX that I think this is discriminatory and arbitrary, and had no reasonable system for the consumer to resolve the issue with the credit card company. Moreover, if the problem was truly identity verification why were there no procedures in place for the consumer either by email, snail mail, or fax to provide the requisite identity information. I think this is an attempt by XXXX XXXX and Equifax to either purge/interfere/or manipulate the customer 's of a rival, in this case XXXX.
Product: Mortgage

PNC Mortgage regularly tries to bill me for payoff statements I never ordered. They send these fees to people knowing that many people will pay without questioning it. At least three times they have accused me of ordering a payoff statement and tried to bill me {$15.00} for it. I called and demanded explanation. They could not provide one, but they told me a firm called " Both Hands '' is authorized to do this to me, having access to my account. My daughter is also on the account in case of my demise. My daughter has no idea what a payoff statement is, she has no reason to order that, she doesnt even have any information about PNC nor does she care. I called " Both Hands '', a foreclosure counseling service, who told me they never ordered such a thing. PNC tells me these are the only people who would be allowed to order a payoff statement, yet neither one, nor I, did. I know that PNC is extremely deceptive, they lied to me continuously throughout a modification process. I know they are claiming payoff statements are ordered when they really are n't, just to make an extra {$15.00} off of as many non-suspecting people as possible. I know they are doing this on purpose and no one will listen to me. I have complained about PNC before, when they kept lying about modification documents, saying I never sent them when I in fact did, and saying my property was in a trust which is was not, and they would use these excuses to put my home back into foreclosure status over and over and over again, and the more they did this, the more fees they would charge me and the longer it would take, which would cost me more fees. PNC is extremely deceptive and not to be trusted. They need to be investigated and shut down. They are stealing from the public, and unless government agencies are in on the deal, they should shut down PNC Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX  XXXX Balance : {$11000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$84.00} ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit card

On XX/XX/XXXX of XXXX I made a paypal credit purchase from the website mechanicsspace.com. The transaction was processed and the vendor never sent me a confirmation or tracking number for the shipment. I tried contacting the vendor numerous times and was never successful. In the meantime, the website was taken off line and the contact email address was no longer reachable. 
I filed a dispute with PayPal credit and they initially refunded my purchase price back to my account. On XX/XX/2023 paypal credit billed the purchase price back to my account under their name instead of the original vendor. 
I have filed XXXX subsequent disputes with PayPal credit and they have declined to pursue the dispute. I have tried multiple times to obtain the investigation info from them to no avail. I have records of the original dispute and have never received any info from the original vendor.
Product: Mortgage

On or about XXXX XX/XX/XXXX, the following unfair or deceptive act occurred : PHH Mortgage Services has refused to automatically terminate Private Mortgage Insurance as outlined by the Federal Law and Private Mortgage Insurance Disclosure signed by me on XXXX XX/XX/XXXX. 

As stated in our agreement as described by Private Mortgage Insurance Disclosure Fixed Rate Mortgage as follows : " AUTOMATIC TERMINATION OF PMI : If you are current on your loan payments, PMI will automatically terminate on the date the principal balance of your loan is first scheduled to reach XXXX % of the original value of the property, based solely on the initial amortization schedule for your loan and irrespective of the outstanding balance of your loan on that date. '' Please note my principal balance as of XXXX XX/XX/XXXX is XXXX XXXX ( mortgage balance : {$630000.00}, original house price : {$820000.00} ). 

As a result of this unfair or deceptive act or practice, I suffered loss of money as follows : PMI monthly payment- {$220.00} starting from XXXXXXXX XXXX XXXX monthly.