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

I kindly request the immediate removal of this inquiry from my credit report, as it is not associated with me, and I have no affiliation with the involved creditors.I kindly request the immediate removal of this inquiry from my credit report, as it is not associated with me, and I have no affiliation with the involved creditors.
Product: Debt collection

Collection account posted on my credit from an account I've never had. Portfolio recovery has been contacted and asked to verify the debit and refuse to do so. 

Portfolio Recovery Associates XX/XX/2019 {$8700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I realized that incorrect addresses are listed on my report. I need to have the inaccurate addresses removed. I have attached an accurate depiction of my ID and mail for proof of address and proper identification.
Product: Credit card or prepaid card

I applied AMEX Blue Cash Everyday credit card at XXXX. By the advertisement, I will get {$200.00} after I spend {$1000.00} within 3 months of opening new account. But AMEX didn't give that to me after I satisfy the criteria. I tried to communicate with AMEX in XXXX and XXXX, and asked for investigation. But they still refuse to give that credit to me.
Product: Mortgage

Ive had a problem with my mortgage company PHH mortgage services. 
I have notified my mortgage provider that my bank accounts were compromised due to an illegal and unlawful intrusion into two of my banking checking accounts. This intrusion took place between XX/XX/2022 through to XX/XX/2022. 

When I pay my payments, I set up an ACH or an automatic withdrawal from my account. This is how I pay my mortgage since origination. I always make online schedule payments to be paid to my account but in this particular situation, I requested payment to be made and those payments were canceled due to the fact that my bank without prior notification, closed any access to withdraw or deposit to this account due to the fact that there was an intrusion. My banks fraud department proceeded to investigate.

Fraud packets were sent to the credit card agency as well as my mortgage company. Also there was two letters from my bank taking ownership for prematurely do an emergency freeze of my accounts without prior notification. This action was historical to my account and was out of the ordinary if you look at my baking history.

I requested my mortgage company to update this information. And I sent in the documents that they requested so that they may review it. Before the documents could even be received by the mortgage company , the mortgage company responded back stating that the information was accurate. Without the documentation from the banks I find that very difficult to make this determination.

I also have an issue with the fact that this mortgage company servicer, stated that they received the documents even though they did not. This means that no investigation was conducted because there was no documentation received in order to review. Undoubtably this mortgage servicer did not complete a proper investigation into my request. The credit report Nac did not conduct a proper investigation if they did not have the documentation from the mortgage servicer to make a proper decision. These companies are just making decisions and not actually going through the actual process of review. This is unfair to every consumer who puts their faith in a mortgage service provider to do the right thing and to actually investigate and review request by the consumers. Falsifying information and stating that you did something when you didnt have the documentation to do it is of a gross negligence nature.
Product: Credit reporting or other personal consumer reports

The unverified item listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX : XXXX, XXXX : 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 reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Last year late XXXX XXXX  wells fargo took money out of my account stating that i owned them money over XXXX advance for XXXX child tax credit. They took {$1500.00} in advance. It my account in the negative for XXXX weeks plus the still charge overdraft fees of {$35.00}.
Product: Credit card

I noticed that Comenity Bank/ Kay Jewelers its reporting on my consumer reports as a charged off account that is damaging. Comenity Bank/ Kay Jewelers are required by law to send me a Form 1099-C to both me and the IRS. By failing to provide me with the proper documentation has created complications for me with the IRS.
Product: Credit card or prepaid card

USAA has an issue with their Auto Bill pay system 's statement balance option. It currently does not accurately charge based on the balance when there is a fraud dispute that goes in or out. This error has resulted in over {$120.00} in fees to me in the last 10 months. Additionally the statement delivered each month incorrectly calculates the " 2018 Total interest charged in 2018 '', if correct I would have caught this error months before now.

USAA response has been that, while the Auto Bill pay system has a full balance option, it is the customers responsibility to verify the amount each month. They declined to comment on the incorrect totaling per the statement.

I disagree with this assessment, when a customer selects " Statement Balance '' the expectation is that the entire statement balance should be paid, regardless of end of month calculation for fraud payments.
Product: Credit reporting or other personal consumer reports

I reached out to Experian the company about removing negative items off my credit they contacted me in a day or two I feel it was not investigated
Product: Debt collection

The apartments is putting the eviction and fees on my credit report instead of the XXXX XXXX who actually has took accountability
Product: Debt collection

I contacted the companies listed in my credit report requesting verification of the debts stated. I provided my personal information to verify my identity and was told I needed to provide a credit card to receive this information. I called each company more than once to talk with different employees and was told the same by each of them. They refused to provide any kind of verification on the debt owed. I contacted the following companies on Monday, XX/XX/XXXX between XXXX and XXXX XXXX XXXX XXXX. The company names and amounts listed on my credit report are as follows. XXXX XXXX XXXX : {$270.00} ; {$650.00} ; {$890.00} ; {$1500.00} Jefferson Capital Systems XXXX : {$4000.00} ; {$2300.00} XXXX XXXX XXXX : {$4800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had some issues with identity theft and I sent the information to Experian and the account is still on my report, which is killing my credit score.
Product: Debt collection

I have two accounts thats been paid off, and I reached out to TransUnion and XXXX to dispute it to have it removed from my account since its paid off. Each time I dispute it, it was denied. And I had a debt collection on my account and I was harassed for 12 months straight with threatening letters and calling my phone at odd hours, before XXXX and also XXXX. With different multiple phone numbers. TransUnion and XXXX has not been of help disputing for the past XXXX years, everything was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX Account number- XXXXXXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Phone number ( XXXX ) XXXX Date opened, XX/XX/XXXX Balance on XX/XX/XXXX - Original balance {$260.00} has violated rights of privacy.

15 U.S.C 1681 SECTION 602 A. STATES i have the right to privacy 15 U.S.C 1981 SECTION 604. A SECTION 2 states that the consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

10 years ago we bought a house from XXXX XXXX and our loan was processed by them.When we took this loan it was our understanding that it was a 5 year interest adjustable mortgage with the option to renew it at the same term for another 5 years. After the initial 10 year adjustable period our loan will be fully amortized for the remaining 20 years. We took this loan in XXXX, 2006, never miss a payment, and we were ready to see how much will our payment is if it were to be fully amortized for the remaining term but I was shocked when I received the statement from XXXX XXXX who got our loan from XXXX XXXX, that we still have the adjustable rate, and the only difference is they added the principal and escrow, and our rate is adjusting every six months based on the XXXX index rate. To me, this is unfair. It was not fully explained to us when we got this loan..now that we are retired we do n't know what to do. We ca n't qualify to refinance because of our bankruptcy and with our income now, we might not qualify. If only XXXX XXXX loan people explained it to us clearly 10 years we would n't be in this predicament now. We might lose the residence that we lived in the past ten years. I believe that this was a predatory loan designed to prey on elderly people like. I know we signed the papers but it such a thick volume of papers we had to go through, so we relied and trusted the loan officer, that she had our best interest at heart and that she gave us the best loan at that time. My husband is XXXX years old and I am XXXX years old, I do n't think there are still companies out there who would hire us just for us to save our home. What I really want is for our original lender to change the term of our loan and have a 30 year amortized loan so we could afford the payment and keep our home. Our loan is transferred to a new loan servicing company, Specialized Loan Servicing LLC. Thank you for your support.
Product: Debt collection

I was forwarded voicemails from my family that stated that they were looking for me for a personal matter from a company called XXXX. I tried to call the number and after several attempts was able to get a human on the phone to find out what the personal matter was about. They informed me that this was in regards to a loan account that I had opened. I informed them that I had placed them on my debt consolidation program and that they needed to contact them as I believed there was already a settlement in place from a previous collection agency. At this point I was informed that I had been " scored '' for if I qualified for sending to court. If I do not pay by XX/XX/30 then it would be out of their office and they would take legal steps. They also informed that they typically do not setup payment arrangements that span more than a few months. They also said that they didn't want me to have them contacting my employer and other places to find out things like wage garnishment options. I stated that I am more than willing to work with them but they kept emphasizing that they only had until the end of the month. I to this point have not received any paper documents other notifications of the debt and who they " represent '' XXXX XXXX XXXX. I have let them know that I can't pay in a lump sum that amount and from my reading on the internet the company " they represent '' practices unfairly. https : XXXX They call from XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and to request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation. 

The specific account ( s ) in question include : * XXXX XXXX XXXX : XXXX This information does not belong to me and appears to be the result of identity theft or an error in reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically 1. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information. 
* CRAs must block the information within four business days of receiving the required documentation. 
2. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within 30 days and delete unverifiable or inaccurate information. 
3. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request.

* I formally request the following : 1. The immediate blocking of the disputed information under FCRA 605 ( b ). 
2. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report.

3. A revised copy of my credit report reflecting these corrections.

Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly. 

Thank you for your prompt attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX Balance : -
Product: Debt collection

I received a call from my employer stating someone has called and stated they would be filing fraud charges and suspend my license if I didnt make contact with them I was given the number XXXX I called that number and was speaking to a gal named XXXX at XXXX and she stated that they were a law office representing XXXX XXXX for an unpaid debt That I needed me to pay XXXX or face the consequences When I told her I couldnt and that I needed to make arrangements she then stated I needed to call the party who sent them the file That party is National Management Recovery at XXXX and that i needed to do today or they would be serving me Friday XX/XX/30 I have called them and they do not answer or return calls My issue is they called my job and told some random coworker my business and told them they would file charges and suspend my license
Product: Mortgage

I had an insurance claim back over 2 years ago in 2015 ... the check was made out to both myself and Mortgage company ( now Ditech ). After getting work done, I had the insurance company out to property where they did a 70 page inspection. please note that insured coverage amount is more than {>= $1,000,000} and I owe less than 4550,000 so their collateral has never been at issue. I have forwarded that inspection repeatedly to Ditech. They refused to release money to me ( me being the one who paid all the premiums that Ditech simply escrowed ). Since I had shown them that their collateral was fine ( more equity than when loan was taken out by a good stretch ) I told them to credit the money to my payments. Ditech now has refused to even accept my subsequent payments and I am at risk of foreclosure. Ditech has a consent decree with the Mass AG 's office, regarding their doing this exact thing to other Massachusetts borrowers. Please help. THX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc.  resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 

I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breach of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Product: Credit reporting or other personal consumer reports

This is my multiple endeavor to tell you 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX, LA XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX, WA XXXX ; XXXX XXXX XXXX XXXX, LA 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

This occurred on XX/XX/XXXX. I am a victim of a XXXX XXXX XXXX Ive founded the posting on XXXX XXXX listed by XXXX XXXX. He said to text landlord XXXX at ( XXXX ) XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX and sent to back to XXXX email XXXX as requested. He then said to pay {$100.00} for application fee and background check. XXXX XXXX XXXX XXXX XXXX XXXX to XXXX via XXXX XXXX # XXXX since he handles XXXX XXXX XXXX XXXX I wouldnt XXXX XXXX XXXX XXXX XXXX. He said if I am XXXX XXXX XXXX XXXX, I will need to pay {$600.00} for deposit and he will XXXX XXXX XXXX XXXX XXXX I agreed. After I paid {$100.00} app fee and {$600.00} deposit, XXXX changed his mind and refused to let me see XXXX XXXX. I told him I am not sending any more money and that I am no longer interested in XXXX and requested for refund. I then called XXXX and told him what happened. XXXX rep said payment went through and there is nothing that can be done. I went onto my chase app and submitted request to XXXX to pay me {$600.00}. As of XX/XX/XXXX I have not heard back from XXXX. XXXX continues to send me XXXX texts. I replied back to XXXX on XXXX and he said he gave me the wrong number and that ( XXXX ) XXXX was hacked XXXX years ago and he forgot to inform me. XXXX then gave me a different number to call landlord but I did not contact anyone else. Ive reported XXXX XXXX of scam to XXXX.
Product: Debt collection

I was looking over my credit report and see 2 accounts from this company I have never heard of on behalf of XXXX. I do not owe Aldous and Associates anything in fact I demand they show me a contract between myself and them saying otherwise. I searched their site and they claim to be an attorney 's office which is a violation of the FDCPA. They also did not notify me prior to reporting these accounts on my credit which is also a violation. As a so called law firm they should know this.
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I was oblivious to this XXXX XXXX XXXX co account being opened in my name on XX/XX/2015 balance of ( {$26000.00} ) this account was opened fraudulent and XXXX did not do a good job verifying the authenticity of the identification. Since Ive been aware of this fraudulent account I was able to take the proper steps in getting it removed from my credit bureaus but XXXX is still reporting this charge off
Product: Prepaid card

I bought a {$100.00} Amex gift card, it doesnt work and it keeps charging me XXXX cents for trying to use it. everywhere i use it, it always declines for an unknown reason and it wont let me purchase anything, i just get charged XXXX cents for trying to make a purchase. So it just takes money off of it for trying to buy something.