23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Our checks are getting declined when written at retail establishments. Funds are in the thousands and checks are for less than XXXX dollars. XXXX XXXX XXXX says they have not had anyone trying to get information. The retail establishments blame a company called Certegy. i can not speak to a real person at XXXX or find a way to contact them now. Meanwhile my accounts are useless.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not take the proper steps to protect my personally identifiable information contained in my credit report. As a result, my SSN, DoB and full address have been compromised by malicious actors. Equifax did not take seriously their security responsibilities and now up to 143 million Americans may suffer as a result. Equifax must be held accountable for this lack of security and issue appropriate compensation to all affected parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX. I have never done business with XXXX XXXXXXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX  XXXX XXXX. I have the right to demand and see the contract between XXXX XXXXXXXX XXXX and myself! Please send the proper validation
Product: Credit card or prepaid card

on XX/XX/XXXX a charge was authorized for what was supposed to be shipping costs for $ XXXX.to XXXX XXXX VA On XX/XX/XXXX I found that an additional charge for XXXX had been made by XXXX XXXX XXXX XXXX I called them and they said it was a non refundable sweepstakes entry - never authorized. While I was on the phone with them a company called XXXX XXXX OR hit the account for XXXX. I immediately called ASPIRE and they cancelled the card and issued a new card. 
I also filed FTC complaint # XXXX. My XXXX statement had {$220.00} charges removed. But on my XXXX statement all 3 charges were back. I contacted Aspire on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The first 3 messages came back with the fraud division will contact you soon - but no contact. The 4th message gave me a phone number for the fraud division. Which claimed that I was notified on XX/XX/XXXX that they didn't accept my fraud claim- with no investigation that involved me, I. was not notified.. An hour and a half after I got the fraud phone number my account was cancelled The {$220.00} was taken by fraud and facilitated by the credit card company. I want my money back.
Product: Mortgage

I have taken a loan from Bank of Albuquerque Mortgage as of XX/XX/XXXX for a total of XXXX. I was told after 5 years or 78 percent LTV what ever comes firsts is when i can get this removed. I have requested to remove the PMI on the loan, as I have been paying on this loan for 7 years. I was told that the value would have to go up which with time everything goes up in value. the county appraised my house Value at {$180000.00}. XXXX appraises my house at {$220000.00}. I have not missed a payment the whole time I have owned my house. I have also paid extra payments on to the house towards principal. The current owed amount is {$110000.00} which brings the original loan to value to 86 percent. 

I have contacted this bank in writing to remove my PMI as I am supposed to do this in writing in XXXX of XXXX. I have also submitted a copy of the property tax information from the county, as well as the appraisal from XXXX. I received a letter back from the bank and they replied saying I can not remove the PMI on the house until XX/XX/XXXX a coincidence that's its exactly 5 years from the day they received my letter to remove PMI. I know the new loans you have to have it for the life of the loan, but I am on the plan to remove the PMI after 5 years or LTV of 78 percent. I don't believe these people are doing this correctly. 

Also since I originally bought this house. It was 782 Square feet. I have added 120 square feet, and I also put solar on to the house. Tiled the whole inside of the house with heated flooring. Painted and textured all the walls, as well as added a 5 KW Solar panels to the roof of the house. I believe all of these things will increase the value of the house dramatically.
Product: Credit reporting or other personal consumer reports

I have requested multiple times for the creditor to verify debt as well as wet signature, neither has been done. After being forced to pay the balance, they are still reporting a balance, harming my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting ACT ACCOUNT # XXXX XXXX  # XXXX, Has violated my rights. 

15 U.S.C 1681 SECTION 602 A. STATE I HAVE THE RIGHTS TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATE A CONSUMER REPOERTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITINEN INSTRUCTIONS.
Product: Credit reporting or other personal consumer reports

I was a victim of multiple data breaches, and many items on my credit report are inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of the reporting from this organization/ creditor to any credit bureau has been unauthorized & without my consent. On my XXXX  credit report it shows a creditor by the name of XXXX XXXX XXXX XXXX reporting the following : Account # XXXX Date Opened : XX/XX/2017 Account Status : Balance : {$250.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted a 609 letter to Equifax asking them to respond to my letter and provide information on the accounts that are on my report inaccurate and incorrect. My credit report by the law is supposed to be 100 % accurate and verifiable and it is not.

They have failed to answer me within the 30-day window.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

XXXXXXXX XXXX mailed out a check for property damaged in a vehicle accident. It arrived during a time when I was XXXX. It was then stolen and deposited XX/XX/XXXX. I alerted them to this in XXXX of XXXX when I was released. I had contacted them to have the check sent to me and they informed me it had already been sent and paid out. Police reports were filed immediately and all documentation requested. XXXX informed me that the bank had to run an investigation and it could take up to XXXX months. It has now been almost a year and they just keep telling me the investigation hasnt been concluded. They actually asked me to stop contacting them at XXXX point and wait for them to contact me. The check was a XXXX cashiers check from XXXX XXXX in the amount of {$7800.00}. Issued on XX/XX/XXXX It was deposited into a XXXX XXXX account in XXXX XXXXXXXX on XX/XX/XXXX. Account # XXXX belonging to XXXX XXXX # XXXX. Neither XXXX, XXXX XXXX nor XXXXXXXX XXXX will give me any updates on the investigation.We have solid evidence that neither my wife nor myself cashed this check. I am submitting a complaint and formal request for an update on the investigation to each company. This investigation has been going on since XXXX of XXXX, 8 months now, and I haven't been contacted to answer questions or anything. I don't even know if an investigation is actually taking place.
Product: Credit reporting or other personal consumer reports

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). ''
Product: Credit reporting or other personal consumer reports

A hard inquiry was done on my credit report from capital, one on the XXXX of XX/XX/year> I contacted them on the XXXX, the XXXX, the XXXX.And they have failed to dispute this inquiry Someone has filed for a credit card on two occasions fraurantly with my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/2023 Dear Experian, I, XXXX XXXX XXXX, have written this letter to dispute inquiries that are falsely listed on my credit report with your bureau. These inquiries were not authorized by me and are inaccurate. According to the Fair Credit Reporting Act, legally the following unverified and unauthorized items must be removed. I have already contacted the companies, and they did not have any of my information on file. 

The following items should be removed immediately : Creditor Name : XXXX XXXX XXXX Type of Business : All Banks - non specific Date of Inquiry : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Type of Business : Auto Date of Inquiry : XX/XX/2023 Creditor Name : XXXX XXXX Type of Business : Credit Union Date of Inquiry : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Type of Business : Auto Date of Inquiry : XX/XX/2023 Creditor Name : XXXXXXXX XXXX XXXX XXXX XXXX Type of Business : Auto Date of Inquiry : XX/XX/2023 Creditor Name : XXXX Type of Business : Personal Loan Date of Inquiry : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Type of Business : Credit Union Date of Inquiry : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Type of Business : Credit Union Date of Inquiry : XX/XX/2023 Creditor Name : XXXX XXXX Type of Business : Credit Union Date of Inquiry : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Type of Business : Credit Union Date of Inquiry : XX/XX/2023 Creditor Name : XXXX XXXX XXXX XXXX XXXX Type of Business : Credit Union Date of Inquiry : XX/XX/2023 I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THESE CREDITORS AND I DID NOT AUTHORIZE THEM TO ACCESS MY CREDIT. IT IS FRAUDLENT AND INCORRECTLY REPORTING, AND I AM REQUESTING THAT THE CREDIT INQUIRIES ARE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned items to be deleted off my credit report.
Product: Credit reporting or other personal consumer reports

This is my 3rd endeavors to tell the 3 credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XX/XX/XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$160.00} 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 Reference # : XXXX
Product: Credit reporting or other personal consumer reports

Transunion has not given me access to my credit report online ; they sent me a letter saying they do not understand what I am requesting. I AM REQUESTING ONLINE ACCESS TO MY CREDIT REPORT. I KEEP GETTING THE SAME MESSAGE OF We are having technical difficulties. We appreciate your patience while we resolve this issue. THIS HAS BEEN THE SAME ISSUE FOR THE LAST COUPLE OF MONTHS. I KEEP CALLING A REP ASKING WHY, AND THEY DO NOT HAVE AN ANSWER.
Product: Debt collection

In XXXX I forgot to update a reoccurring payment with XXXX XXXXXXXX Credit Card. I was unable to access the account for several months because of their office hours. In XXXX I again attempted to settle the debt that was sent to collections. It was sent to to North American Recovery for collection. I worked with their representative to pay the debt over the phone. They collected my payment information but apparently never processed the payment. In the meantime I thought the debt was paid in full. 4 months later upon trying to apply for credit the debt showed it was still in default. I contacted the original creditor XXXX XXXX  who said the collection was with still with NAR. I contacted NAR, whom told me the account was with XXXX XXXX XXXX their Attorney. The Attorneys told me the account was sent back to NAR. For 10 days I was unable to pay the debt because no one could tell me whom to pay. Eventually, NAR accepted my payment but refused to send me a paid a in full letter. XXXX XXXX has still refused to send me a paid in full letter 14 days after payment. There has been no communication to help settle this matter which is affecting my financial situation. 

It should not take a consumer 5 months to settle a debt they claim and want to pay off. 

Please help.
Product: Credit reporting or other personal consumer reports

After seeing the bank statement, I now understand why there is a negative balance. I was a victim of esim, and cell phone port out hacking.. I had charges from that company on all my credit cards and debit cards. Because I was under the impression that my account at Arvest was closed, and did not have access to it, i didn't know they charged that account as well. as you can see there was a positive balance of {$49.00} until those fraudulent charges from that scamming company took place. If again, Arvest had closed the account when request, or even if I had access to the account I would have seen these fraudulent charges and disputed them like I did with all of my other credit cards and bank account that I HAVE. All of my other credit cards and accounts were able substantiate this company as fraud and successfully disputed the fraudulent charges from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, so I never received any of these notifications, however, if i was able to access my account through the app on my XXXX I would have seen these fraudulent charges, and responded accordingly. These charges need to be addressed as fraud and handled accordingly. Again, I will forward this to the attorney generals office as well. It is against the law to charge some one over draft fees for fraudulent charges, it is also against the law to report to the credit charges and negative activity, due to fraudulent charges. And is this instance that is exactly what Arvest is doing. I have letters from my other financial institutions that had charges from XXXX XXXXXXXX XXXX is a scam company and the charges were fraudulent. Available upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax who refuses to do the right thing under any circumstance in any situation apparently to retaliate for the fact that I caught them re-aging accounts for the fourth time, has now changed a bunch of my accounts with incorrect information the most glaring is it lost my XXXX account, opened in 2015 with a three-year lease as having missed payments every month for the last two years, after the lease ended.. 

They seem determined to simply keep my score down rather than report accurate information as these are late payments that are not payments that were due and my percentage of payments made on time has steadily decreased as a result of their incorrect an improper violations of the fair credit reporting act
Product: Credit card or prepaid card

US Bank VISA Credit Card In early XXXX I disputed 2 charges on my credit card for poor workmanship and service no provided as agreed. I was give credit for the two amounts. one for {$300.00} and one for {$2000.00}. I was asked to respond in writing about the dispute which I did XX/XX/2018. Each amount had a separate case number but I told them the response was the same for both case numbers and stated the case numbers in my response. 

I received a letter telling me that had had not received anything from me and when I called they confirmed that they had and I did not need to do anything else. The merchant had 60 days to reply. 

In XX/XX/XXXX I got a notice as I do every month about my payment being due and I noticed they added the {$2000.00} credit back to my account. When I called to ask them why they said I would need to speak to the person managing my case and they would call me within 24 to 48 hours. Then I received a letter dated XXXX-XXXX-18 telling me they sent a letter XXXX-XXXX-18 requesting more information on the {$2000.00} charge and since I did not provide it to them they were adding it back to my account. This request was never sent to me. 

The next day I received a letter dated the same XXXX-XXXX-18 telling me they have found in my favor for the {$300.00}. I called to try and speak to someone and was told they would call me in 24 to 48 hours. 

Since my only communication regarding the dispute was sent XX/XX/2018 and I had not sent anything else to them, it is unimaginable that they could find in favor for one of the claims, ( Lowest ) and not the other. Both claims were addressed in the one response and they should have either rejected both or accepted both not split it. 

I have since called no less than 7 times each time never able to speak to a supervisor or anybody and told they would call me back in 24 to 48 hours. They even said they called and I told them I take my cell phone with me and I never got a call. They even said they left a message so on top of never getting a call I never got a message. I take my cell phone every place along with all documentation to discuss if they ever call and they never have. 

Now we are beyond time frames and they have been extremely negligent in dealing with this matter. I have written to the CEO called many many times and no return calls.
Product: Debt collection

I 've been communicating with the XXXX of XXXX manager, XXXX regarding a debt they 've originally noted to be XXXX and I challenged the amount. They then reduced it to XXXX and I challenged that amount as well. I never owed any of these amounts, and they 've since re-aged the debt and are submitting XXXX debts to the bureaus. XXXX of the debts are listed under the Apartment XXXX and the other under Resident Collect. The manager at apartment gave me the number to XXXX XXXX at the Collection agency who she had spoken to that very day regarding my file and suggested I speak to her myself. XXXX XXXX was extremely rude to me. She cut me off before i finished my concern. She said she would transfer me to someone else and when i told her that i preferred speaking to her because she was familiar with my case, she told me since i didnt want to write down the number, she would just transfer me and hung up. When I attempted to reach her several times after that on the same day, she transferred call to another area. When they picked up I asked for XXXX XXXX 's supervisor and the lady questioned me why I wanted to know that, said she would n't give it to me and hung up. I called again several times and they just kept putting me on hold or transferring the call. I finally left a message for XXXX XXXX and to this day, I 've still not gotten a return call. They were rude, disrespectful, did n't offer me any assistance at all. I am trying to buy a house and it is critical that I get this straightened out as it can possibly cause me to lose my chances of purchasing a home. They never gave me proper documentation that said there were damages I did n't make. I did n't leave the apartment in the state they noted. 
I am losing something far greater than they are trying to collect. I 'm working extremly hard to get my credit up to standards to purchase a home and have attempted on so many occasions to resolve and to be so close and can not get any assistance or even a return phone call is totally unacceptable. They could care less if I resolve the issue or not. They are reporting me XXXX and its hurting my credit beyond words as the debt reported on both are high numbers. I can not fix anything without any communication with them. My hands are tied and its extremely stressful. The lack of respect totally affected my health to the point where it triggered a XXXX and my XXXX. These are supposed to be professionals. Something should be done with these collection companies that treat you as though you 're nothing and does n't think respect and professionalism is needed.
Product: Credit card or prepaid card

I paid off this account with Chase. I overpaid them {$1200.00}. I have called them about the over payment and at first, they could not find my account. Their response was that this account does not exist. Then, they stated that the account is XXXX. I called them less than 30 days after i paid off the accoun ( Overpayment was a mistake on my part ) XXXX Miraculously, they have every other account i have except this account that i over paid to pay off.

I have asked for a refund numerous times and they have asked me numerous times to fax them a letter and they will process a refund in 6-8 weeks. It has been months and i am not getting anywhere with Chase. They are pretty much ignoring me at this point.

I can use your help please.
Product: Credit card

Capitol One mail said I was pre-selected for this offer. Filled out form online, was rejected due to credit balance too high. 
Apparently, pre-selected is meaningless and deceptive.
Product: Credit card

I spoke to XXXX at the Chase Bank executive office extension XXXX he told me that per XXXX i have only 60 days to dispute a charge and therefore its past 60 days. 
However you will see that the fraud was on XXXX and submitted a dispute letter on XXXX exactly 60 days. Visa on their website gives 120 days to dispute a charge and unlimited days for fraud. 
I want my dispute investigated and my {$1000.00} returned to my account from Chase Bank.