23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I spoke with XXXX XXXX which at the time I was told they were putting notes in my file about contacting me. I have gotten numerous call in a single day over 4 each day and I also received a call on Sunday XX/XX/2019 at XXXX. Which I have read they are not allowed to call after XXXX. This company already has a class action against them for this very reason.
Product: Credit reporting or other personal consumer reports

I have an account passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. 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
Product: Credit reporting or other personal consumer reports

I first sent out these disputes at the beginning of XX/XX/2024. They never responded so I sent them again in XXXX of XXXX. XXXX then sent me a stall letter but never did an investigation. So at this point, I disputed one more time the Experian sent me a stall letter but they also never did an investigation. XXXX has yet to respond or do any type of investigation. I just sent letters out again two weeks ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was divorced in 2009. Mortgage granted to my ex. quit claim turned over interest of the property to him. Property has been in and out of foreclosure for 12 years. No papers, modifications or financial info given or signed by me. Loan went from XXXX to XXXX within that time. I just want it removed from credit and a release of liability done. I have called the mortgage company repeatedly thru the years asking them to foreclose. they disregarded them all. and now my financial responsibility with this matter has doubled even though I have agreed to nothing and signed nothing. It is finally foreclosed on and they have nothing further to gain from me. SEE the email below that I sent to them asking for them to ethically make this right. This is the resolution I am looking for. MORTGAGE Servicer Sps Select Portfolio Services original mortgage US bank property.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One has been sending me misleading " Pre-Approved '' emails as both XXXX ads and as regular emails. I am not pre-approved. What does " See if you are Pre-Approved '' mean anyway? Nothing, thats what. The put hard inquiries on my credit, which I have already gone through the Washington State Attorney General 's Office about. Now I am asking them to stop spamming me with unwanted emails and ads. I actually talked to someone on the phone about it at their company, but it still did not stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB complaint is being filed towards XXXX. The reason for the complaint is due to malpractice from XXXX. 
On XX/XX/2021, I reported several credit accounts that were being reported on my credit report as fraudulent accounts. I marked these accounts as fraudulent accounts because I never applied nor used these accounts for self-gain. 
Unfortunately, XXXX is continuing to post accounts from Bank of America. 

Because XXXX was continuing to post fraudulent accounts from Bank of America, I submitted a police report and FTC 's identity theft report directly to Bank of America with a CFPB complaint. 

The fraudulent accounts from Bank of America are still being reported on my XXXX credit report without providing their method of verification process of fraudulent accounts. 

I strongly believe that XXXX is in violation of FCRA because the creditors and XXXX never provided any shreds of evidence that these accounts were made and used by me. They are assuming that I am making a false statement, which is very offensive to me. Both parties are defaming my character and continuing to post accounts that are not mine. 

I would like to submit another dispute letter to XXXX via CFPB because I need to keep the record that I actually made an attempt to resolve the identity theft issue directly with the creditor and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am writing about an entry listed on my credit report which does not belong to me and should not be listed. Apparently someone with a similar name to mine filed bankruptcy in the in the US Bankruptcy Court of XXXX XXXX, and it appeared on my credit report. Frustrated I decided to contacted the Bankruptcy Court and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. They said it may have come from a 3rd party furnisher called XXXX XXXX. I contacted XXXX XXXX with my address, full name and full social security and they do not have any record. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you remove it immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 5 years I have attempted to access my Experian credit report to no avail. I have called verified ACCURATE information, mailed identification, now when I call i get caught in IVR XXXX. 

I have exhausted every method to access this information-where credit is often denied from. When I attempt to pull it simply tells me to call then to send information. I have let it go for years, now I want to verify, confirm, what is on that report. 

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

These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization
Product: Debt collection

On XX/XX/19 I was notified via XXXX  credit monitoring that a collection account has been placed on my credit file. Upon looking I see that it was from Capio Partners for an alleged medical debt in the amount of {$1400.00}. I was subsequently notified of placement of this collection account on my XXXX  account on XX/XX/19. 

I have never received any notice of the alleged debt from Capio Partners and have no idea what the debt could be for. In doing so I was denied my legal right to dispute any debt within 30 days of notification from a debt collection agency - pursuant to 15 USC 1681 et al.

This is to be removed from all three credit bureaus immediately and proper procedure and protocol is to be followed. I have no reservations in litigating this ridiculous practice performed by Capio Partner 's in a court of law where I will seek punitive and statutory damages to the fullest extent allowed by law.
Product: Credit card or prepaid card

On XX/XX/2023, I ordered a XXXX XXXX XXXX XXXX XXXX XXXX  at the XXXX XXXX website and I paid the amount of {$1500.00} and I paid the item through XXXX-a creditor which offers virtual loan for items being sold at stores where they accept it. Affirm offered XXXX equal monthly installment payment of {$150.00} and I was charged {$150.00} on XX/XX/2023 and the second payment of {$150.00} on XX/XX/2023 while my return is being processed. When I received the item I did not like it and opted to return the designer watch and I returned the item on XX/XX/2023 to XXXX located at the XXXX XXXX XXXX  , I was issued an acknowledgment receipt by XXXX  with tracking number XXXX. I notified Affirm of the return so they can halt charging my account. Apparently, the item I returned was stolen or lost in transit which I learned through the Customer Service of XXXX. I opened a case on the lost or stolen returned item and notified XXXX XXXX and spoke with XXXX and she also opened a case to recover the amount of the watch lost or stolen in transit. Affirm is harassing me to pay the item which I returned and would not want to refund my XXXX payments. It also reported me to XXXX which affected my credit score.
Product: Credit card or prepaid card

On XX/XX/2019, about XXXX XXXX I was locked up in XXXX, didnt get out until XX/XX/2019, I attempted to use my  netspend card, it didnt work, I called netspend to complain, file a dispute, they denied my claim saying they did nothing wrong, but on XX/XX/XXXX, a new card was issued to someone while I was in XXXX. Can anyone help me get my Social security money back almost {$4000.00}. I contacted the president of netspend he tried to reopen it, that department denied, contacted XXXX, they stated that netspend stated, they did nothing wrong. Can anyone help me to get my social security money back. Thank you
Product: Student loan

My payment has been at XXXX due to my salary range. This year my wife and I filed jointly and I submitted for my re-approval of the current plan it was on. I was denied and my payments were reconfigured ; however, when reconsidering my plan they do not take into account that my wife also has student loans. My wife and I both have federal and private student loans that cost us over {$1600.00} a month. I was told that if I was to file separately nothing would have changed. This does not seem to make sense to be punished by loan payments because I was open and honest about our current situation. The federal loan servicing should take into account my wife 's loans if they are going to count her salary. 

Additionally, I was also told that my loan payments would be back dated because I was approved for the loan forgiveness by someone in XX/XX/XXXX. I was just notified that it was incorrect. I was told that my payments should be back dated to the start of my date of employment.
Product: Credit reporting or other personal consumer reports

I am writing about multiple collection accounts reported by XXXX XXXX XXXX, which I have previously disputed as fraudulent. These accounts are as follows : Account number XXXX in the amount of {$2800.00} Account number XXXX in the amount of {$2300.00} I must emphasize that these accounts are the result of aggravated identity theft, and I did not give anyone permission to report any information regarding these accounts. Under the Fair Credit Reporting Act ( FCRA ) Section 605B, I informed you that these collection accounts were fraudulent and requested that they be blocked from my credit report. 

Despite this, you have not blocked the accounts and instead claim that they have been verified. I am formally requesting a detailed explanation of how this verification was conducted. As these are collection accounts resulting from identity theft, I have not signed any agreement or contract related to these debts, nor have I authorized them in any way. 

Under the FCRA Section 611, I am entitled to know the specific method of verification and who exactly verified these accounts. Since no documentation exists to prove my liability for these debts, I demand that you immediately delete both collection accounts from my credit file. 

Should you fail to remove these accounts, I am prepared to file suit and seek statutory damages of {$1000.00} per violation, as permitted by the FCRA. I trust you will take the necessary steps to ensure these fraudulent accounts are deleted promptly. 

Please provide written confirmation of the deletion of these collection accounts within the required legal timeframe.
Product: Mortgage

My mortgage Servicing Company, Shellpoint Mortgage Servicing, made a mistake when it paid my insurance renewal premium not once but twice in XX/XX/XXXX. It paid the insurance premium from the loan for the property to be insured and again from my other property 's loan ( which was already insured with a different insurance company and was not due for renewal until XX/XX/XXXX ). Then Shellpoint did an escrow analysis for XXXX properties based on the incorrect information generated by its own mistake and increased our mortgage payment for XXXX properties by nearly $ XXXX/mo total. When the insurance company refunded the overpayment, Shellpoint credited the wrong account. Despite my efforts to sort this out by phone on XXXX different occasions, nothing has been done to remedy the situation. I am just getting the runaround. No one ever does what they tell me they are going to do.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX  and Transunion should not be reporting each inquiry listed as a separate line item on my credit report. ( Please see page attached for reference. ) These multiple inquiries are well within the 45 plus day shopping window that is typically allowed to check different lenders and find the best loans. Each of these inquiries are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score. Please remove these inquiries from my report. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

XXXX XXXX XXXX- This account has never been late and the balance that you are reporting is incorrect. *please see attached documents that payments have been made on time and the balance is incorrect.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TN XXXX ; XXXX XXXX XXXXXXXX XXXX : {$990.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1300.00} ; XXXX XXXX Balance : {$3200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX  Balance : {$190.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX  Balance : {$760.00}.
Product: Money transfer, virtual currency, or money service

I called Remitly but they are blaming overseas bank ( Ref # XXXX ) XX/XX/2021 I advise customers, please don't use Remitly to transfer money, 1st transaction would be excellent, when you will use it 2nd time, rate will be increased and duration will be extended and you have to wait couple of weeks before your receive the funds. 

even my remittance was not received, I sent money on XX/XX/2021 and today is XX/XX/XXXX XXXX working days still waiting for money to be received, blaming my bank. 

find some other companies to transfer your funds. REMITLEY IS NOT RELIABLE
Product: Checking or savings account

I had a bank balance of XXXX dollars when this incident took place. With 8 pending transactions that were reflected in the indicated balance above. I then XXXX  my business account {$350.00} and my balance went down to a few dollars. The next morning when I went to deposit my work checks my account balance went to negative {$340.00}. I didnt have any other payments go through everything pending had already withdrew from my account. Im left with no answer from the bank also I think it is important to mention that Im unable to XXXX  any amount that isnt reflected in my account. They have so far refused to refund my cash with no good viable explanation.
Product: Credit card or prepaid card

I have a card through comenity bank. I think they had a ransomeware attack. Cant log into accout to pay or check, has been this way since XXXX. They have charged late fees to me twice ... its hard to figure out what is going on .if you call u wait at least XXXX hours and get hung up on. Check out XXXX i am only one of many having this issue. How can their website be down for 3 months??? Im in XXXX and this would not be acceptable for most companies. If they are a " bank '' dont they have to follow rules?
Product: Debt collection

Called regarding a cable bill for a location I have never lived with a company I have never had an account with and wo n't stop calling. They are robo-dial calls, so generally there is no one on the other end. I have disputed the claim and left XXXX messages for their dispute department.
Product: Credit reporting

I was the defendant in a civil case in which I counter-sued. I won the final case, and was awarded a judgement against the plaintiff. Equifax simply saw a judgement and me as defendant, and reported the judgement as against me. I disputed the error on my report, and even included copies of the final judgement with my dispute. I 've double and triple checked with the clerks office as well, and they assure me that their office is correctly reporting the judgement as in my favor. Still Equifax refuses to look past the initial glance at the judgement, claiming this is indeed a judgement against me. This despite the available public records showing that I 'm the one owed money, and my copies of the court papers that I actually sent them. I 've been told that I can have the judgement marked as in dispute now, but that the error will remain on my report.
Product: Checking or savings account

I received a letter from Wells Fargo XXXX Department regarding an old fraud claim filed in 2011. I was told the claim was processed incorrectly and their investigation proved that it would be overturned and I would be refunded for my total debit card fraud claim in the amount of {$5500.00}. I was unaware at the time that interest was due me for the entire time the bank retained my funds. 

They did NOT include interest in the check I received I was only reimbursed the total amount of the fraud claim filed. They did reported a 1099-INT statement to the IRS stating I received {$820.00} in interest from them in addition to the overturned claim above. I did NOT receive an interest payment.

I have spent 8 months calling and being transferred all over the place trying to get the interest check issued or the 1099-INT Corrected with the IRS as XXXX can not file my taxes due to their error. No-one can assist or ever calls back ... .this level of service seems to be the norm but they are creating major problems in my life by this negligence.
Product: Credit card or prepaid card

The company closed the credit card and I reported I missed my wallet with the card, the card was used, and Capital one reported in my credit report the incorrect balance for somebody used my card
Product: Credit reporting or other personal consumer reports

This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 15 USC 1681s-2 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. 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. Account ( XXXX XXXX XXXX  ) XX/XX/scrub>XXXX XXXX XXXX
Product: Checking or savings account

Bank advertises transactions will take 1 to 2 business days to clear. 
In my experience this is accurate when making deposits into the account. The day following the transfer request I can see the money in BMO Alto account. 

I requested a withdrawal out of the BMO account to a linked external account Tuesday XX/XX/XXXX at around XXXX. As of the date of this complaint it is XXXX Friday XX/XX/XXXX so going on to four days since transaction was initiated and the Bank has still not approved the transfer. I needed the money for today XX/XX/XXXX so I now need to use a credit card to make this payment which will cause me to incur additional fees. 

BMO alto does not allow you to speak to any supervisor. I've called approximately 8 times over the last 3-4 days and each time I was advised that a supervisor was not available and there is no mechanism in place to reach a supervisor. I was provided with the Bank 's fraud dept phone number as I had been advised that my withdrawal was flagged for fraud review. Unfortunately the number provided is an unmonitored number. I would call and wait for about 8 minutes and then get a message that mailbox is full and it would disconnect.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Transunion, and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX  is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that, " In general Subject to subsection ( c ), Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX, Transunion, and XXXX the financial institution and the Consumer reporting agencies XXXX, Transunion, and XXXX do not have my consent to furnish this information, and I never gave my written consent. Any and all consent to XXXX, Transunion, XXXX, and XXXX XXXX, whether verbal, non-verbal, written, implied, or otherwise, is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX  never informed me of my right to exercise my nondisclosure option. Also, 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Transunion, and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that, " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services without my express permission.