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

1. XXXXXXXX XXXX XXXX ( Reporting Multiple accounts ) 2. XXXX  XXXX ( Fraudulent account/ Identity theft ) XXXX. XXXX ( Reporting inaccurate information about the account and Violating IRS guidelines for written off, Charge off, and discharged debt. ) 4. XXXX XXXX ( Reporting late payments when I was never late on the account/ Fraudulent charges were charged on the card/ this account is reporting false information ) 5XXXX XXXX XXXX XXXX XXXX  ( Reporting inaccurate and unverifiable information damaging my reporting and Utilization. ) Stop reporting this account immediately I want it removed and deleted. 
6. XXXX XXXX XXXX credit card. ( VIOLATION FOR REPORTING THIS ACCOUNT/ THIS ACCOUNT WAS DISMISSED IN COURT AND WAS AHERED TO BE DELETED FROM REPORT. THIS COMPNAY HAD VIOLATED MY RIGHTS IN LITIGATION. REMOVE AND DELETE THIS ACCOUNT IMMEDIATELY. ) 7, Some collection accounts have violated several violations of my FC delete and remove immediately RA and FDCPA rights. I do not owe such debt These collection is not accurate or verifiable under 15 USC 1692g, 15 USC 1692e, 15 USC 1681n, 15 USC 1681o
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Notice for Proof of Claim Account : XXXX   XXXX, XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.

The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a  certified copy of any contract or agreement between ALL AGENCIES and that gave you the right to collect this debt.
Product: Credit reporting or other personal consumer reports

Under Consumer Law 605 ( b ), I am entitled to dispute these charges and request an investigation into the matter.

I kindly request that you : 1. Remove the disputed charges from my account.

2. Conduct a thorough investigation into these charges.

3. Provide me with a written statement of the outcome of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has taken complete control of my identity .I have been getting Notification that the same companies keep sending credit Bureaus request for my credit report .I have not applied to any of the companies that is on this report and not sure who has my personal information and how there able to use it free will.I have been trying to contact the credit bureaus by phone trying to explain this issue but as if today they have not been able to resolve the issue .Please please help me take back my life this has been a nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax keeps changing my address to a XXXX store mailbox. I have disputed this multiple times ; they change it then put it right back. This just happened yesterday. There are several items on my report that I dispute, and they ignore, I never receive validation or any reason why. I'm really tired of chasing this down always
Product: Debt collection

I've never heard of Sequoia Financial Services until I got a credit report. I noticed that this company had an account opened for me in 2017 and slowly ruined my credit by claiming I had not paid my credit with them. I never received mail or any notification for the 59 month 's worth of payment history data that was collected by the credit bureaus. The original amount being XXXX dollars and XXXX dollars being the total past due amount. It seems they only meant to destroy my credit without warning. My attention was only brought to it because it was the IRS that tipped me off to something being terribly wrong my notifying me that my tax refund had been intercepted in order to pay off a debt I wasn't aware of. 

As for the actual medical incident, which I did not call nor received medical treatment for, I was hit by a car while on my bicycle. I did not ride an ambulance, and I knew I was not in shock. A friend of mine from high school happened to be one of the XXXX 's and he just made sure I was okay. I did not realize they sent me a bill for a bad excuse for a reunion.
Product: Money transfer, virtual currency, or money service

XX/XX/year> I was scammed I tried to dispute it and get refund of {$74.00}. Told Cash App that I couldn't reach customer service number and they denied my dispute said nothing they could do! ( CashApp )
Product: Debt collection

Medical appointment in XX/XX/2022 at XXXX. Amount was billed and paid by insurance. However, as I was switching jobs it seems that another insurance was active as well. This then had first insurance company remove payment. I was not notified and fastmed did nothing. Instead I was sent to collections as the payment removed was done months after. XXXX showed I was late by months when I was not. Ive provided my second insurance to KLS Financial Services - debt collection, but they said it is not past due and past ability to submit claim. I was not notified of insurance issue or asked to pay. As the debt was paid originally and then removed I would expect I was asked why and able to correct the issue versus sent to collections. Ive called, email, and tried the website of KLS Financial Services and they have fold me that they believe I still owe debt. KLS and XXXX are not acting appropriately an going to the right insurance company.
Product: Credit card or prepaid card

I paid {$330.00} to XXXX XXXX on XX/XX/20. I was unable to go on the trip due to COVID-19. I tried contacting XXXX but they never responded. I filed a credit card dispute with Citi and lost. I believe I should have gotten my money back. I did not travel and never used this rental car.
Product: Mortgage

I wanted to refinance my loan with XXXX and also to modify my loan with them. As soon as they saw that we wanted to do that they sold the loan to bay view loan services. As soon as the loan was sold we found ourselves with people that came to do appraisals of the house without calling or making appointments. Then we had to pay XXXX appx in late fees that the company could not provide proof of. Then they opened an escrow account in our name without asking permission even though all our taxes and insurances are paid through XX/XX/XXXX and late XX/XX/XXXX. I attempted to call them XXXX times .i left messages only got voice mails. Then when I finally got a hold of a person when I told him that if the issue of the escrow account does not get closed I will inform CFBP he put me on hold and never answered the phone anymore. After on hold for over XXXX. Minutes I had to hang up the phone. 
Last year we subdivided the property. XXXX mortgage signed off on the subdivision. Now I have a mortgage covering XXXX properties which the bank does not recognize that are XXXX properties even if the county has XXXX different apn numbers. This new lender send an appraiser to do an appraisal on the old property ... ... which he did it incorrectly for the bank ... so he provided the bank with false information ... ....
Product: Checking or savings account

XXXX XXXX XXXX On XX/XX/XXXX I received an alert on my phone informing me my BBVA Compass checking account was overdrawn. As I have never been overdrawn I immediately contacted my bank at approx XXXX XXXX. I was informed that 3 transactions had occurred, two at the same location, a XXXX 's XXXX for {$140.00} and {$140.00}. A third debit was a transaction at a XXXX XXXX for {$74.00}. I have had the card in my possession the entire time and I have alerts set up on my phone when the second my card is ran, I get a text message for the amount and location of the transaction. I never received such alerts for these 3 debits. 
The banking rep informed me it could take 10 business days before my provisional credits were placed on the account and there was absolutely nothing they could do. After missing 3 days of work due to no money for the train or day care, I called in and asked to speak with a supervisor which took another 48 hrs to get a call back from. The supervisor informed me that he could contact the investigators and request an early release of the provisional credits. Not only did the first rep not offer to do this, the supervisor said this should have been done immediately as a courtesy. Now here we are 14 days later, and not only have I not received a call from the investigator, I have not received my provisional credits and customer service said its not completed as of XXXX today. This has cost me well into the thousands of dollars in lost wages. Although {$370.00} is not a lot of money to most people, for me, in the middle of pay cycles, that amount of money pays for my day care for the kids, food and train fare for me to get to work. This has most likely cost me my housing and I am now on probation at work for the time I missed.
Product: Credit card

On Tuesday, XX/XX/year>, I received in the mail a credit card from Chime. The card was attached to a flyer with the Chime logo in the upper left and the title 'Welcome to the Chime family ' and form set setup direct deposit with the routing and account number of a XXXX Bank address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX DE XXXX. 

I looked up the Chime corporate website and confirmed the contact number on the card matched the number provided by the URL https : XXXX. 

I called the number, got through to the fraud department and explained that I had received a card for which I had not applied and wanted the account number closed immediately. 

I was informed I needed to provide my name and SS #, which I refused to do. I also refused to provide my email or phone number. 

I would like to know if there is any federal regulation or practice that requires me to provide my identifying information to Chime in order that they process a request to close a fraudulently produced card with my name on it. 

I have credit reporting locks engaged. 

Is there additional action I need to take?
Product: Credit card or prepaid card

there was a Target ( XXXX ) opened in my name. There is a {$5000.00} credit limit with 26.5 %
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was a total lost on XXXX XX/XX/XXXX. My insurance company ( XXXX ) paid for the total lost and my GAP insurance was going to cover the remainder. The GAP company needed some information from the dealer and XXXX XXXX XXXX in order to process the claim but the two companies were very non-compliant providing that information. I called XXXX XXXX XXXX several times every month and I specifically asked them if I needed to continue making monthly payments. They told me that I didn't need to make monthly payments because the vehicle was a total lost and the remaining amount was going to be covered by the GAP insurance and also that interest would not be accumulating anymore. I didn't get a written confirmation of this conversation but they never called me, mailed or emailed me any late statements or any notices telling me that I was late or that I needed to make payments. 
After over 7 months of constantly contacting XXXX XXXX XXXX and requesting that they provided the info to the GAP company they finally did it and in XXXX of XXXX the GAP company issued them a check for the remainder amount. 
I was very surprised when I got a noticed from Experian telling me that my credit score had dropped dramatically. When I checked Experian I noticed that XXXX XXXX XXXX had reported that my loan was " Paid was a Charge-Off ''. Also, in the section regarding my payment history Experian was reporting that from the months of XX/XX/XXXX to XX/XX/XXXX there was no data available or reported to them. I submitted a dispute and the information remained the same plus in this case, XXXX XXXX XXXX reported that I was also late in payments from XX/XX/XXXX to XX/XX/XXXX. I challenged that information with Experian and XXXX XXXX XXXX and submitted an additional dispute. They told me that they were going to look into it but is not going anywhere because the second dispute was completed and contained the same derogatory information.
Product: Checking or savings account

On XX/XX/year> I had my refund advance deposited into my XXXX PayPal account. By XXXX XX/XX/year>, my account had been frozen for suspicion of fraud with the money still in the account. They are saying they have up to a six month period to hold my funds. I have contacted account specialist on numerous of occasions only to be given the same automated email over and over again.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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
Product: Bank account or service

In XXXX, I applied for a Home Equity Loan through BMO Harris. At the start of the process I was told it would take four weeks and close on XXXX XXXX, 2015. Then I was told due to the CFPB guidelines that it would be closed before XXXX XXXX ( " Unfortunately, it is a little frustrating for customers and myself, because the process is taking a little longer than normal due to new CFPB regulations ( Consumer Financial Protection Bureau ). I apologize for the length of time it has taken to process the loan '' ). The loan was not cleared to close until XXXX XXXX, at which I signed the documents. It is now XXXX XXXX and the funds have still not been released. I have spoke with BMO and have been told that the CFPB allows them to begin processing the loan and releasing the funds after 4 business days from the signing of the loan documents. Now where is this stated on the CFPB 's website. I would like a clear understanding and thorough investigation into the practices of BMO Harris.
Product: Mortgage

I was recommended to Bank of America by a financial adviser from XXXX XXXX, owned by B of A. The advisor sold me on a unique product that they offered, a 30 year fixed rate with a 10 year interest only option. Since I am retired with reduced income, I found this to be an attractive option versus the 3.5 % 30 fixed that I currently have on my primary residence. The application date was XX/XX/2021 and the application was taken by XXXX XXXX, XXXX, with B of A in New York. The application was originated incorrectly with many inaccuracies. I on several occasions asked that the terms of this interest only be confirmed. I was told verbally that it was. When I received the disclosures I questioned why they disclosed a non-conforming 30 year amortized loan when I was sold an interest only version. When reviewing the disclosure documents, I questioned the terms assuming that because it was a unique product that it must be disclosed in this manner. I received verbal confirmation from the XXXX XXXX adviser, XXXX XXXX, that it in fact was the interest only product. The loan officer, XXXX XXXX, never responded to that question to me personally. In fact since the origination of this application, XXXX has failed to communicate throughout the entire process. Never returning requests for a phone call and rarely through the various email systems employed by Bank of America. Finally out of extreme frustration, I reached out to his manager, XXXX XXXX on XX/XX/XXXX - over 90 + days in process - inquiring as to why this loan has not closed in timeframes set by the loan officer. When verifying that I was receiving the interest only option product, he stated that I was not. It was a traditional 30 year loan. I feel that through this exhausting process I have experienced miscommunication, misinformation, misrepresentation and was deceived throughout the process. XXXX blatantly ignored my requests and acted in a manner that is required through regulations dictated by NMLS, FTC and Consumer Finance Act. I have invested time and funds as well as severe distress for the last 90 days. I feel that XXXX should be held accountable to the tenants of these regulations. I am a 30 year veteran of the mortgage industry, currently retired, and have a 36 year legacy relationship with this bank, both as an employee and a client. This process has been an egregious disregard to me as a consumer and long time client, with no remorse or acknowledgment from any of the parties. These misrepresentations board on fraud. I have filed complaints with the NMLS through the NY Department of Financial Services and will file additionally to FTC and local RI Department of Business Regulations.
Product: Vehicle loan or lease

On XX/XX/year>, I sent a formal request to Carvant Financial LLC for a detailed breakdown of the {$4100.00} deficiency balance reported on my credit profile for an auto loan. My request included : The sale price of the repossessed vehicle. 
A detailed account of fees, charges, and interest applied. 
Documentation of payments made and how the deficiency balance was calculated. 
Despite allowing sufficient time for a response, I have not received any acknowledgment or the requested information. The account remains on my credit report unverified, and I can not confirm the accuracy of the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Subject : Notice of Dispute Violation of FCRA Rights and Inquiry Investigation To Whom It Concerns, I am writing to dispute an inquiry on my credit report from XXXX, as I believe it violates my rights under the Fair Credit Reporting Act ( FCRA ). Despite my prior attempts to address this issue with TransUnion, the inquiry has not been adequately investigated. Therefore, I request its immediate removal from my credit report. 
The FCRA grants me certain rights as a consumer, which I want to emphasize : 1. Right to Accurate Information : The FCRA entitles me to have accurate and current information reported on my credit file. 
2. Right to Dispute : I have the right to dispute any inaccurate or incomplete information on my credit report.

3. Right to Investigation : The FCRA mandates credit reporting agencies to conduct a reasonable investigation when I dispute any information on my credit report.

4. Right to Fair Credit Reporting : I have the right to fair and unbiased treatment concerning my credit information. 

It is evident that TransUnion has not fulfilled its obligation to properly investigate the inquiry from XXXX, resulting in inaccurate information on my credit report. I urge you to take immediate action to remove this inquiry to remedy the violation of my FCRA rights. 
Kindly provide written confirmation once the inquiry is removed from my credit report, along with any supporting documentation. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company stated that inquiries remain on my consumer report for two years but the inquiries listed in my previous complaint were a result of identity theft and they shall be removed immediately. I also filed a FTC complaint and mailed it to them but they still have not removed these inquiries from my consumer report. They are willfully noncomplying to the Fair Credit Reporting Act provisions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My family needed to move quickly due to a landlord having no rental license and black mold respitory illness set in as well as gasses coming in house from broke sewage line. I was denied a home everywhere! I find tons of Names, SSN 's, Addresses in states and city 's I 've never heard of, and 176 collection items total dropping my score over 200 pts.  I 've sent XXXX, Experian, XXXX all my Identity documents and more and stated federal FCRA about mixed files. Also XXXX has a company named XXXX who has a Ton of these medical, cell phone, collections. They deleted 7 but left 20 more in XX/XX/XXXX. I should n't have inquiries but do, never had XXXX. XXXX but collections show. My positive history accounts are almost none existent. I need help. This happens after XX/XX/XXXX because in XX/XX/XXXX my Credit was fine. Please help. We need a new car and even buy here pay here 's wo n't lend with a big down payment. They say I need proof of this. I 've shown the names and all that stuff they said it does n't prove ID theft. Never heard of file mixing they said. The amount of medical collections alone you would think I were XXXX XXXX. I 'm very healthy and a XXXX at a XXXX my wife works for XXXX and XXXX here in KS. And similar has happened as well. PLEASE HELP clear my reports. And make them remove all of it or please guide me into suit. XXXX bless
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX {$1000.00} XXXX XXXXXXXX XXXX {$31000.00} XXXX
Product: Debt collection

XXXX XXXX called from LLC and disclosed information to my employer.She told the receptionist that they would be serving me paperwork and that I would need to be present with XXXX forms of ID and my Manager would also need to be present as a witness.