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

LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Inaccurate Information and Dark Web Activity Dear LexisNexis Customer Service, I am writing to formally request the removal of inaccurate information from my LexisNexis report and to address concerns regarding dark web activity associated with my personal information. My name is XXXX XXXX, and my Social Security XXXX is XXXX. My name is not XXXX XXXX as stated on my credit report. 

Inaccuracies Identified : Dark Web And Inaccurate Activities Dates From Other Credit Agencies Source : XXXX XXXX : Inaccurate Activity Dates And Dark Web Source : All XXXX Credit Reporting Agencies XXXX, XXXX, XXXX XXXX Web Activity Dark Web Activity : I have been notified of potential dark web activity involving my personal information, which raises significant concerns regarding identity theft and the security of my data. I request that you investigate this matter and take necessary actions to remove any related information from your records. 

Request for Removal : Given the inaccuracies and the potential implications of dark web exposure, I kindly request that you : Remove the inaccurate personal information and activities from my credit report immediately. 

Provide me with written confirmation of the actions taken regarding this request. 
Enclosed are copies of my identification and any relevant documents supporting my claims. I appreciate your prompt attention to this matter and look forward to your response within the XXXX timeframe as required by the Fair Credit Reporting Act. 

Thank you for your assistance. 

XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

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
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to several dealerships to find a car to purchase. I finally found one and I couldnt get approve for the car due to misinformation on my credit reports. I have over 20 hard inquiries oh one of my credit reports in the last few months they have continuously wrecked it and I dont know why? I would like to be able to purchase a vehicle, but these hard inquiries have ruined my credit score and also it looks horrible to the finance company I need for XXXX XXXX, XXXX and Experian to remove these inquiry on my credit report I can list each and everyone each, and every day I have tried to dispute them online before. I have not given anyone any written consent, except for the one car dealership to run my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I have a loan with ALLY FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and ALLY FINANCIAL with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2018.
Product: Credit card or prepaid card

The company information is : Portfolio Recovery Associates, LLC XXXX. XXXX XXXX XXXX VA, XXXX Phone : XXXX These people are contacting me about a debt that is no longer valid. This debt has gone past the statue of limitations. The account number for this action is XXXX and is addressable to : XXXX  XXXX XXXX  XXXX XXXX XXXX CA, XXXX Portfolio Recovery Associates has been faulted with many many complaints about pursuing non-existent or irrelevant debts.
Product: Credit reporting or other personal consumer reports

TransUnion is reporting two charge off on my account in which the Company has written off as a bad debit. A charge-off is when a company writes off debt as a loss. When a company uses a charge-off, it believes it can no longer collect, as the borrower has become delinquent on payments. 

XXXX XXXX XXXX Account # XXXX balance {$1000.00} Account # XXXX balance {$900.00}
Product: Checking or savings account

Once again I recently filed a disputed I have been a chase customer had a checking account for 10 years plus. Never had any major issues. I had transferred money through checks through my other account 3 were returned because the transfer on other end got delayed but tried to rectify immediately with a cash deposit. Chase wrote a letter XX/XX/19 saying closing my account without even giving me a chance to fix same day other then that no notice given and again customer for years. I then call bank immediately where I am told they closed my account but again assured this will be fixed. i find out now Chase has closed that account and I can not open a new one after being told before I could. Its frustrating again a loyal customer had a checking account for over 10 years, my husband has personal and business accounts there. I I would think after having an account that long being a good customer and wanting to keep my business with them they would look out better for their customers especially after I was told on 2 occasions and assured my account wouldnt close and after it did that I could open a new one. The banker at the local branch who helped me was awesome. She went above and beyond even called the department I guess that closed it or would have had info and demanded they fix and even said you have a recording of where you told her to open a new account. I love everything about chase up until now and really want to keep my checking account with them. Hoping by getting to tell my side maybe someone high enough up in chase will care about its customers even the small ones to keep them and reopen account. I shouldnt be penalized for others mistakes.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information appearing on my rental history report. Specifically, my report incorrectly lists an address and an eviction associated with me. I have never been evicted from an apartment. I recently applied for an apartment and was denied due to these false allegations. 

I am aware that there is another individual in the same county with my name, [ Your Name ], and birthday, [ Your Birthday ], which may have caused this mix-up. I have encountered this issue before in a different matter. Therefore, I am challenging any eviction listed on my report. 

Despite multiple attempts to rectify this issue with your agency, the erroneous information remains on my report. These repeated failures to address and correct the inaccuracies constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that credit reporting agencies investigate and resolve disputes within 30 days. 

Your agencys persistent failure to correct this inaccurate information after numerous disputes represents non-compliance with these statutory obligations and is causing significant harm to me by affecting my ability to secure housing. I demand an immediate investigation and the removal of this incorrect address and eviction from my rental history report. I need this matter resolved promptly as I am in the process of relocating.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian Dispute Department XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report issued by your bureau. The specific account in question is listed as XXXX XXXXXXXX XXXX XXXXXXXX with account number XXXX. 

Upon reviewing my credit report, I noticed a significant inaccuracy in the reporting of this account. Specifically : The payment history indicates charge-offs ( CO ) for every month in XXXX, XXXX, and XXXX, yet the balance and status appear unchanged as {$5200.00} since XX/XX/XXXX, when the account was first charged off. 
According to the provided details, the balance has remained the same with no further updates, and the scheduled payments were listed as {$0.00} during the same period, yet monthly charge-offs are still being reported inaccurately. 
This inconsistency suggests that the account is not being updated correctly and violates the accuracy standards set forth under the Fair Credit Reporting Act ( FCRA ). 

I kindly request an investigation into this matter and ask that the inaccurate entries, including the redundant charge-off notations, be corrected or removed promptly. Enclosed, I have included copies of my credit report highlighting the inaccuracies for your reference. 

Please provide me with a written confirmation of your investigation results and any updates made to my credit report. If you require further information or documentation to complete this dispute, feel free to contact me at [ XXXX ] or [ XXXX ]. 

Thank you for your attention to this matter. I look forward to resolving this issue promptly. 

Sincerely, XXXX XXXX
Product: Credit card

I was checking my credit report today and noticed several accounts I don't recognize. Celtic Bank Continen being one. I didn't open this account. I believe my older brother did it in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX & XXXX, 2021, my equifax premium account was hacked by my identity thief, XXXX XXXX. He accessed my account online, and by mail ( they told me on the XXXX the mail part ) and unlocked/unfroze my credit file. He also changed my log in email and password, and deactivated by paid service with them. He then submitted a fraudulent credit application. 

Equifax refuses to do anything to stop this from happening. They expect me to call them at least once a day to explain this all, and reset my email log in and pass word and un do whatever the cyber criminal has done. They will not block his number or email address. They will continue to accept his use of my former address as proof. He has also changed my address to his multiple times and Ive reported that also.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection account BLAKELY WITT & ASSOC is not mine. This account does not belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ; XXXX XXXXXXXX Balance Owed : {$9300.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; 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 XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that TransUnion is reporting incorrect and possibly fraudulent information on me ; this has happened with the XXXX and XXXX companies. I have rec 'd information from these companies stating that TransUnion is reporting information on me that is not correct.
Product: Checking or savings account

My name is XXXX XXXX XXXX XXXX, Passport XXXX, I have a PNC savings account number XXXX. Current address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, Florida, XXXX, phone number XXXX. 
On XX/XX/2023 I received an {$18000.00} payment for services from XXXX XXXX XXXX on my personal savings account. The next day after, ( XX/XX/2023 ) I called directly the customer service line of PNC bank to review if check was confirmed and payment received at my account. The agent from the bank stated, after asking if the money could already be used, that transaction was completed and funds were already available to spend from that same day. As the payment had already been confirmed, I completed the services that I had been paid without any issue to the person referred. 

Four days later after this call ( XX/XX/2023 ), I check again on my balance and I see that the money had been removed completely from the account. I called to the customer service line again. At this moment the agent says that the checks bank account could not be found and funds were not available anymore. I tried to contact XXXX XXXX without any success to claim for the problem with the check, but it was not possible to contact him anymore and disappeared. I complained to the agent on phone about how this negligent misinformation provided, caused I had lost {$18000.00}. They apologized and transferred me to XXXX XXXX XXXX, case manager of retail support who simply said that it was a mistake and they could not do anything as the check account was not found and the money was lost. I explained several times that I trusted on the transaction as the bank officer clearly stated that the money was in my account available to be spent after being received. No responsibility was accepted and that was the end of the communication with the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were CHARGE OFF accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Product: Credit card

I have been late on payments with Fortiva Retail Credit. Per an email received XX/XX/2023 if I made payment by XX/XX/2023 then they would match 50 % of the payment amount made. They are denying this. Also I received an account statement dated XX/XX/2023 that indicates minimum payment due by XX/XX/2023. There is nothing indicated in that statement that my account was closed. I only found out this information by checking XXXX XXXX and seeing a closed account on my credit report. I then contacted Fortiva and was told a letter was mailed out regarding account closure on XX/XX/2023. 1 representative claims the letter was returned however all my statements mailed to me have never been returned ; another representative I spoke with only indicated they mailed a letter dated XX/XX/2023, nothing in regards to it being returned. I have lived at my address for XXXX years and never had any problems with any other creditors regarding mailed not being deliverable.
Product: Mortgage

I am writing to formally demand that PHH Mortgage Services immediately cease all unlawful foreclosure actions against my home, as these actions threaten to render me and my family homeless. 

Despite my numerous written requests, PHH has failed to provide me with a written itemized accounting of the alleged outstanding balance. Furthermore, I am aware that PHH is currently facing a class action lawsuit due to practices involving overcharging and fraudulent fees, raising significant doubts about the validity of the amounts claimed. 

Throughout this dispute, I continued to submit my monthly mortgage payments ; however, PHH has refused to accept these payments, thereby laying the groundwork for the unlawful foreclosure of my home. 

Additionally, the Notice of Default ( NOD ) recorded by PHH contains inaccuracies. Specifically, PHH has incorrectly listed my ex-wife, who is not on the recorded title and was removed from the mortgage during my loan modification. Her inclusion in the NOD is both erroneous and misleading, as she has no connection to the property. 

I formally dispute the amount stated by PHH and have requested a detailed written accounting, which has yet to be provided. 

Moreover, my home was transferred into a living trust months prior to the erroneous NOD, yet the trust was not referenced in the document. This oversight further demonstrates the lack of due diligence on PHH 's part.

PHH 's actions appear to disregard both federal and California laws designed to protect homeowners like myself, and their conduct suggests an intention to cause harm.
Product: Debt collection

I contacted the debt collector bounce ai to try to find out what tge debt was as I'd never heard of tge original creditor Zebit inc. I was told {$700.00} worth of gift cards for XXXX were purchased on XX/XX/year>. I asked if they were able to verify were these cards were sent and was told they were sent via email. According to the agent I spoke to, my name and social security number were given to obtain this debt. I informed him this was not done by me and I was told I had to file a complaint on ftc as well as file a police report for identity theft - otherwise this debt would remain on my credit.
Product: Student loan

For sometime now, have made payments before which they state were never received, but have bank statements totaling over {$1000.00}, that I have repaid, they stated the invoice # that I had gotten from their employee were none existent, plus when I have put my loans on forburance they continue to call my harrass my co-signer, we were also miss lead about our private loan, did not know that it would be a never ending story, was ahead on payments, they kept changing my due date, how I ended behind?, then was unaware that my payments do not even make a dent on my my private loan, I am currently  XXXX  w/a   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   had a  XXXX  that   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , even after  XXXX  am   XXXX    XXXX , I have  XXXX ,  XXXX   XXXX   XXXX , constant   XXXX   XXXX  , a   XXXX   XXXX   XXXX   XXXX   XXXX   in my   XXXX   XXXX   XXXX  , I also have  XXXX  of my   XXXX   XXXX   that   XXXX   XXXX    on me @  inconvient times, I  have told the to send me paper work due to my  XXXX , they kept giving me the run around  &  wanted to have a friend who has been helping me for a while to make the payments, my co-signer also has been harassed even when I asked them not to call him during his difficult time when his wife was ill with a  XXXX   XXXX , it has been a long horrific experience, I finally got fed up & had to make a complaint, I had asked them before to look into the $ that they stated I had not paid, but had bank records of & they just kept giving me the run around as well, ...
Product: Mortgage

Hi there, My name is XXXX XXXX and my mortgage was recently sold from XXXX XXXX to Freedom Mortgage. The unfortunate part is that I was in the middle of completing an Insurance Claim Check with XXXX XXXX. I had completed all the steps necessary to receive the final payment from XXXX XXXX in the amount of {$14000.00} but suddenly they sold my loan to another mortgage company. Now, these sales happen all the time but I'm having a hard time getting the money that belongs to me from Freedom Mortgage. I have contacted Freedom Mortgage multiple times and provided all the documents again and yet there seem to be no resolutions. They keep saying that they're reviewing the documents. 

I need your help in retrieving the insurance claim funds that were used to repair my property and my new mortgage company is not releasing them for me. There has to be something that can be done. 

Thank you, XXXX XXXX
Product: Mortgage

I spoke with XXXX XXXX of Citizen 's Bank yesterday about unresolved complaints I have submitted concerning the escrow account. In speaking with her, she disclosed that a representative with Citizen 's contacted the XXXX XXXX XXXX tax department and was informed that there is a balance of {$630.00} in unpaid property tax for the property from XXXX. XXXX XXXX told me that the XXXX XXXX XXXX tax department told the Citizen 's representative that the tax bill was sent to me directly. I told XXXX XXXX that I never received any bill from the City. I requested that XXXX XXXX provide me with all bills that Citizen 's was given by the XXXX. She told me that she could not do that because this information could not be extracted from their system. 

After speaking with XXXX XXXX, I contacted the XXXX XXXX XXXXXXXX tax department by phone and by email. I spoke to an employee with the department who told me that the {$630.00} tax bill was not sent to me. It was sent to a Citizen 's Bank in Texas and then re-routed to a Citizen 's Bank in XXXX XXXX because the bank in Texas informed the taxing authority that is where the tax bills needed to be sent. The bill has never been paid by Citizens via my escrow. When I closed on the property on XX/XX/XXXX, I deposited {$1000.00} into escrow at closing and I paid {$340.00} per month into escrow thereafter during XXXX. I was refunded {$520.00} at the end of the year of XXXX. I have no idea how the refund was calculated. I have requested of XXXX XXXX to provide an accounting of this. I have also requested verification of taxes paid in XXXX as reflected on form 1098 issued to me by the bank. This form reflects that I paid {$7900.00} in real estate taxes but the escrow account does not reflect this. 
In short, this is a hot mess due to Citizen 's Bank ineptitude and indifference they have exhibited towards me since day one of my contact with the loan officer who was absolutely awful in processing this loan.