23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I started to refinance my house and my credit report was ran, there was a account on my credit report that I was not aware of that was showing delinquent. the account was for XXXX XXXX XXXX and was reporting to credit report by Credence resource management. I attempted to call XXXX XXXX XXXX on XX/XX/XXXX and they couldn't give me access to the account because I didn't have the PIN, I didn't have the PIN because I didn't open the account. at that point I attempted to call Credence Resource. I have never received any bill or any notification of debt or lack of payment. Credence shared with me the address they send information to which is not my address or even the state that I live in. the employee with credence resource stated there was nothing they could do and I had to file a police report. the amount is {$780.00}, they stated the account was opened in XX/XX/XXXX and submitted to credence resource in XXXX XXXX the account number credence gave me was XXXX
Product: Credit reporting 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. 

Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 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: Debt collection

Ive received numerous harassing calls from Portfolio debt collections for my XXXX account that I purchased a {$200.00} microwave on. Paid on my XXXX acct for 6 months then did a debt consolidation and closed my XXXX meanwhile XXXX continued to charge late fees to the sum of {$460.00}. I disputed multiple times on the amount owed with XXXX and Portfolio, neither correcting the late fee charges. Ive explained multiple times to contact XXXX XXXX whom my debt consolidation is with. They refuse. Now they have put it on my credit report.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I C system and XXXX XXXX XXXX is a company i never did business with. Also they have the wrong address on file for me. I have sent latters and asked them to send me documents that we ever did any buiness and they failed to do so. 
These creditors did NOT provide the balance they say I owe with proof of payments up to the balance date, did not explain and show me how they calculated what they say I owe, provode me a verification of the copy of any judgement if applicable, identify the original crediotr, prove the staue of limitations has not expired on that account and provide me with their license numbers and registered agent or agent of service.
Product: Credit reporting or other personal consumer reports

I was looking through my credit file and notice some discrepancies. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The following account is listed as a collection account. i have never had any interaction or agreement with this company : Account name : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported Balance {$3900.00} has violated my rights. 

The following its listed as hard inquiries on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This items on my Equifax credit report are incomplete and not accurate and according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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: Mortgage

I supplied and XXXX deposit on a property that I was looking to purchase at XXXX XXXX XXXX XXXX # XXXX, XXXX Ohio XXXX for the amount of {$2300.00}. At the time of the initial purchase agreement the deal was to be cash, the deal was later switched to financing which the agent, XXXX XXXX, Real Estate Licenses : XXXX ( OH ) of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX was made aware of. The purchase agreement was never amended by XXXX, I was declined for financing because the building was not insured correctly and now the seller refuses to return the earnest deposit because the contract was never changed by our agent. 

I am a XXXX veteran and my wife is a minority and this {$2300.00} is very important to us
Product: Vehicle loan or lease

Two weeks ago I spoke with a collections representative from Ally financial in regards to a partial payment that came back returned. I advised that the payment was denied by my mother 's bank for suspicious activity. I was then told that as long as the partial payment of {$190.00} was paid my XX/XX/19 then the account would be in good standings. I advised that I would make my payment online on that day. Last week, I received another call from the collections department in regards to my loan. I repeated the same information to this representative that I stated to the last. Making them aware that I will keep my promise to pay by Monday XX/XX/2019. Again stating that the payment would be made online. Today I attempted to go online to make my payment only to find that my account information is no longer available and I am unable to make my payment as I had previously promised. I called in and spoke with 5 different representatives. The first two representatives hung up on me because they became frustrated and was unable to answer my questions. The 3rd representative transferred my over the online team which then transferred me back to customer service where I spoke to a 4th representative. Which then attempted to assist me and then the line was disconnected again. I called back and requested for a supervisor. I was then connected to a front line manager named XXXX ID # XXXX. I was told that I do not have access to the online and can't make payment for 6 months due the reverse payment. I attempted to make a payment via a 3rd party vendors which is a payment options that is available to me to make payment with a lower fee, however this option via XXXX and also via XXXX XXXX. Both are considered to be an acceptable payment option for this company. However, I have been blocked from making payment via the 3rd party vendors by Ally financial which they have on their website as payment options that can be done online or over the phone. The only option that I was given was the more expensive option of XXXX. XXXX and XXXX XXXX offer a fee of less than {$5.00} to submit a payment to Ally financial online. XXXX charges {$20.00} processing fee to send funds to Ally Auto. So currently I have not access to view my account details, statements, previous payments, nor do I have access to view my account in order to make the payment and ensure that it's applied to the correct account. I was told my XXXX that my account will be escalated and someone will get back with me in 24 hours. My account will be reported to the credit bureau tomorrow, which will cause a negative score on my credit as Ally Auto will report my account being passed due for 30 days due to this partial payment. This is unacceptable!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the account as they are fraudulent & were opened without my consent or knowledge BK OF AMER  XXXX Date Opened : XX/XX/2011 Balance : {$11000.00}
Product: Credit reporting or other personal consumer reports

To Whom this may concern, I am not responsible of this account. I am a victim of ID theft. People have used my information to open it and also make fraudulent activities. I have sent in multiple disputes and The other bureaus have removed it of my credit report, but you guys refused to do so. I have submitted my police report and FTC report, and verified my identification etc., yet you guys claim that this account has been verified. Therefore, I am invoking the Fair Credit Reporting Act Section 611 ( FCRA 611 ) ( 15 U.S.C. 1681I to ask that you provide me with the following information : 1. The date you contacted the creditor. 2. The contact information for the creditor. 3. The name of the person who verified the item to you. 4. The method of communication you used to verify this information. I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.
Product: Money transfer, virtual currency, or money service

My company has an employee stock purchase plan administered in XXXX through XXXX brokerage. I sold some stocks on XXXX XX/XX/2021 XXXX ) On XX/XX/2021 brokerage sent the money, EUR XXXX to my Bank of America account XXXX ) This method has been working for the last XXXX years so nothing changed in the wire transfer process XXXX ) I did not get the money after XXXX days, XXXX sent me proof of funds transfer document that has entire SWIFT message detailing money indeed was sent to Bank of America, via their bank, XXXX Bank of America has refused to help track this down. I have called them on XXXX occasions and offered to share the trace that was sent. The person at the other end of the phone says we have not received it, and there is nothing we can do about it. I have the XXXX that XXXX sent XXXX me as proof but they refuse to evaluate that or take a look or figure it out NO MATTER WHAT. XXXX is clear that money did make it to Bank of America but Bank of America refuses to accept that proof. 

It takes XXXX minutes to an hour on hold to get to someone in Bank of America XXXX wire transfer department. To me it seems, the person on the phone does not understand how to trace wire transfers as they are stuck trying to figure out using amounts. They do want to take a look at the docs XXXX sent and troubleshoot where it is stuck in their system. 

The complex ways in which money moves in international wire transfers needs someone who can troubleshoot it and figure it out. XXXX XXXX docs shows it was sent to Bank of America XXXX in XXXX and there is a XXXX  code for Bank of America in XXXX XXXX as well. It is stuck on Bank of America in XXXX but Bank of America refuses to open a ticket and pursue this end-to-end with their international financial institution. If needed both XXXX and Bank of America need to WORK TOGETHER to resolve it.
Product: Checking or savings account

XXXX XXXX, I had a checkings account with Chase Bank until they decided to close my checkings accounts out of the blue. I called Chase Support and they said they no longer wished to have me as a Chase customer. I called again to see if I can withdraw the funds from my checkings account and they said they have to verify some payments that were withdrawn from cashapp in order to do so. They said my payments from cashapp are suspended because Chase it's withdrawn to a different name than my legal name, but on cashapp you can change your profile name to whatever name you want. I explained this to Chase Support and they keep redirecting me to different branches and I have to wait extremely long to get the same answer which is to verify my cashapp account payments. I visited the branch to talk more about this situation. The associate banker I talked to said that I can print out screenshots of my cashapp login page to show them. She said she would send them to the back office. I came to the branch again with the printed screenshots and she said she will send it to the back office. She called me back and said they weren't eligible. This time she says that I have XXXX dispute the payments in cashapp in order XXXX verify, so I called XXXX if I can do that but they said that the money was authorized and disputing is not possible. It has been extremely frustrating because I don't know what Chase Bank wants. I have access XXXX my cashapp accounts and I can login and show them that they are mine. Chase Bank also suspended my direct deposits from my job even though they said they suspended my cashapp payments.
Product: Debt collection

They wont email like i asked to closed this accont charged off since XXXX XXXX i have called no answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid this account in full and its over 13 years old and this company will not delete it from my credit reports.
Product: Mortgage

M & T Bank is holding me responsible for {$330000.00} which was fraud on my home equity line of credit and investigated by the police and found this to be fraud and the bank was to write off this and they refuse to do so. They have ruined my credit to the point that I can not by a loaf of bread on credit. Before this fraud, I had a credit score of over XXXX and now I am down to XXXX. I have been in communication with DOZENS of people only to still have the problem. They have a lien against my house.. I am XXXX XXXX XXXX and live now on a social security check only. The fraud man took all my savings. All of this stuff started in XX/XX/XXXX and continued until XX/XX/XXXX. I have the case number from the police. I just do not know where to turn in this matter. This matter has caused me to be on XXXX XXXX from my doctor, and I need HELP PLEASE.
Product: Debt collection

I have recently been made aware on XX/XX/2021 that ABSOLUTE RESOLUTIONS INVESTMENTS , LLC has purchased my personal and financial location information resulting in the theft of my identity, and are accusing me of owing an alleged debt that has been paid. This debt is also being inaccurately reported to multiple credit reporting agencies without my permissible purpose and is hurting my financial and personal reputation. They have also harassed and threatened me with multiple inconvenient forms of communication such as phone calls and letters stating that they are attempting to collect a debt. This false accusation of alleged debt owed is inaccurate and is defamation of my character, discouraging, and I do not agree with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous dispute letters to XXXX on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. 

I've requested for a Bankruptcy account reporting to my credit profile to be removed due to it being inaccurate and invalid. XXXX has yet to provide me proof of verification of account and continues to report this Bankruptcy account which has hindered me from acquiring credit.
Product: Credit reporting or other personal consumer reports

Dear CRA XXXX TransUnion LLC, I disagree with the accounts listed below which still appear on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my XXXX XXXX. 

You are reporting inaccurate information in consumer reports concerning me that you have compiled and published to third parties. The following tradeline item is inaccurate because the following accounts report inaccurate information. 

Account Name : XXXX  XXXX Account Number : XXXX Account Number : XXXX  XXXX XXXX XXXX BANK Account Number : XXXX Account Number : XXXX XXXX - XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}
Product: Debt collection

Monthly report/ Inaccurate, derogatory remarks still being reported on credit reports monthly. Hard inquire heav impact to credit. {$9600.00} account was opened XX/XX/XXXX closed out XX/XX/XXXX. Car was repo in XX/XX/XXXX after a {$1000.00} was made to bring account current and cancellation off repossession fees. Payment arrangements were in process three days after making {$1000.00} on XX/XX/XXXX car was repossessed and car wasnt released to me. On XX/XX/XXXX was told account was closed car had been sold and charged off will appear on credit. Yet lender still wonted me to pay {$3000.00} for seven months of car payment and additional {$2000.00} for storage repossession fee costs. Request several times by phone and hand written to see paperwork. When the car was sold and after paying to stop repo and bring account current was my car still repossessed. Lender told me that they didnt have to release or inform of the car being sold nor guaranteed to stop the repossession after payment was made. Its been 6years 11mos disrupted with credit bureaus yet nothing has been done. WESTLAKE is still able to report remarks as charge off each month. HAVING A HARD IMPACT TO ME TRYING TO REBUILD MY CREDIT AND APPLY FOR CREDIT. HEAVY REMARKS. Yet only show 4 installments payments being made out 43 months term. Within a year as stating account was first delinquent in XX/XX/XXXX. I was notified of DATA BREACH and some or all personal information may have been compromised. Nothing was done about it
Product: Credit reporting, credit repair services, or other personal consumer reports

The US Bankruptcy Court XXXX XXXX of Michigan, located in XXXX, Mi. Says they do not report or release court documents to third parties such as XXXX, TransUnion, XXXX, or XXXX. They report to pacer an website for court reports not credit. I have a letter from the US Bankruptcy Court XXXX XXXX of Michigan explaining they do not give XXXX, transunion, or XXXX the bankruptcy XXXX information it was illegally token from pacer. 

So how is it verified? 

BANKRUPTCY XXXX XXXX XXXX
Product: Debt collection

Since the last week of XXXX this number has called multiple times a day but never leaves a message.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to XXXX and TransUnion to remove erroneous inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX & XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX  Inquiry : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion repeatedly continues to report innacurute employer ( XXXX XXXX ) on credit report.
Product: Debt collection

Prior to the last communication that I received from FIRST CREDIT SERVICES, INC on XX/XX/2022 I noticed XXXX, XXXX has been trying to contact me through email for some time in regard to an alleged debt claimed said named owed to XXXX XXXX XXXX XXXX The amount said to be owed is {$280.00}. XXXX XXXX is violating the FDCPA Federal Debt collection practices act as well as my right to privacy. I demand XXXX XXXX to CEASE AND DESIST FURTHER COMMUNICATION WITH ME IN REGARDS TO THIS ALLEGED DEBT. I dispute having any responsibility or obligation to pay this alleged debt. If you stop the collection of this debt and forward it or return it to another company also indicate to that company that the debt is disputed. The only communication that I will accept is the communication by mail from XXXX, XXXX to notify me that this debt has been disputed.
Product: Debt collection

I started receiving collection notices from water company about a bill ; I called the water company and explained my name does lot match and that I have never received any water not have I ever done business with the company. I have sent certified letters to the water company in question which included my name and address to show I am NOT that person. I have had water through a completely different company for 6 years and never have I done business with the water company in question. The customer service lady apologized for the mix up and said I wont get any more calls or mail. Today I received a collection agency notice. This is harassment and against the FDCPA.