23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

An application was submitted for a mortgage modification. For the past three months the account has been under review for mortgage assistance. Though there was a point of contact assigned to the case, XXXX XXXX, I did not hear from him until the complaint was filed with the XXXX. Prior to that time, I was calling and leaving voice messages but there was no response from him. I was also leaving messages in the account portal. There was never any clear or concise information about the loan ; just told it was under review. Just a complete runaround experience! Then the application was allegedly denied but then I was told that information was incorrect and that the application was still under review. During this time, my credit was being adversely affected. When I initially inquired about this, I was told that it was at the lenders ' discretion to report the late payments- which didn't make much sense since I was obviously in dire need of mortgage assistance. However, after speaking with the Loss Mitigation Department, I was advised that the adverse reporting would be reversed once the application was approved. It has now been approved and in light of this unsatisfactory application process that prompted a XXXX complaint, I am requesting for the negative reporting to be removed from my credit profile.
Product: Money transfer, virtual currency, or money service

I was persuaded by XXXX XXXX to send him money through XXXX from Navy Federal Bank Account to him for a catering service. I sent him a total of XXXX payments the first payment I sent was on XX/XX/2021 for the amount of {$420.00}. The second payment was sent on XX/XX/2021 for {$180.00} and XX/XX/2021 for {$510.00}. XXXX XXXX cancelled the day of the event XX/XX/2021 and stated he would reimburse me for the full amount. He has since stopped communicating. There is a warrant out for his arrest with XXXX XXXXXXXX XXXX police department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid for 2 accounts that were in collection and also sent them letters to clear all hard inquiries from my credit reports which is affecting me but every time I call they tell me to send them letters again and that they can't or won't remove my hard inquiries I got over 34 inquiries and that really affects my credit score I am working with a loan officer and through his recommendations I'm doing letters to have them clear. But transunion employees are to rude
Product: Credit reporting or other personal consumer reports

My XXXX XXXX is still going around opening up stuff in my name. I would like these things to be taken off my report please.
Product: Debt collection

Bank of America representative XXXX XXXX of XXXX XXXX Collection department. Started I owed a wrong amount since XXXX of XXXX when the account was closed but still incurred illegal late fees. Secondly the representative stated that they will continue to report the charge off indefinitely eventhough the federal statute prohibits 5 years to 7 years in the state of New York. The {$680.00} I do not owe and its been illegally reporting on my credit for 7 years. SECTION 380-J Prohibited information General Business ( GBS ) CHAPTER 20, ARTICLE 25 380-j. iv ) accounts placed for collection or charged to profit and loss which antedate the report by more than seven years ; or accounts placed for collection or charged to profit and loss, which have been paid and which antedate the report by more than five years ;
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 14th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$5100.00}
Product: Payday loan, title loan, or personal loan

I placed an order through XXXX on XXXX XXXX using Affirm financing. The delivery date for the item was XXXX XXXX. I never received the item and it showed it was delivered. I contacted Affirm as well as XXXX about not receiving the merchandise. I nor anyone else was not home at the time of delivery. I sent in proof to Affirm about the signature for the package as well my time clock stamp at school and my receipt of uber that I was not home at the time of the delivery. Affirm is still making me liable for a loan on items that I did not receive. Also Affirm continue to report to negative information to the credit bureau which have impacted my credit by XXXX points for items I did not receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Fifth Third Bank violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), and 18 U.S. Code 8
Product: Credit reporting or other personal consumer reports

My credit report contains inaccurate late payment entries. Please review and correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS ARE STILL REPORTING INACCURATELY WHICH IS A VIOLATION OF THE FCRA. I AM BEING IGNORED BY THE BUREAS AND THEY ARE NOT CONDUCTING PROPER INVESTIGATIONS.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has no customer service phone number to opt out of XXXX XXXX service. this company submits a daily inquiry on my credit report and Experian does the same. I never signed up for this service nor did i give written permission for either company to perform theses actions on daily bases.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that on XX/XX/year> I checked my credit report and discovered Two fraudulent inquiries that I do not recognize. These unauthorized inquiries are negatively impacting my credit score, and I believe they may be the result of identity theft. I have already taken the following steps : 1. Obtained copies of my credit reports from all three major credit bureaus 2. Identified and marked the Two fraudulent inquiries 3. Prepared dispute letters to send to each credit reporting agency I am concerned about the potential for further fraudulent activity and the impact on my financial well-being. I would appreciate any guidance or assistance the CFPB can provide in resolving this issue and protecting my credit. Please find enclosed copies of my credit reports with the fraudulent inquiries highlighted. I am happy to provide any additional information you may require. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested several times how both XXXX and Transunion claim to have verified the accounts listed below which are not my accounts not did I open them. All I ever get is the same templated latter stating verified but I asked to whom they spoke with and when etc., but I never get that requested information. I also asked for a notarized letter from them stating they information they provide is true but have yet to receive that either. 

In accordance with the XXXX XXXX XXXX XXXX the information provided has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Accounts in question : XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found that XXXX XXXX XXXX Acct. numbers XXXX XXXX XXXX has been reporting inaccurate information to my credit report. By the FCRA 15 U.S.C sec 1681i ( a ) 5 I ask that this item be investigated and removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency, In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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. 
Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX ) Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX PXXXX XXXX XXXXXXXX ) Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX ) Account # XXXX Account Name : ( Original Creditor : ) Account # XXXX
Product: Debt collection

SOUTHWEST RECOVERY SERVICES XXXX XXXX XXXX reported that I owed a debt in which appears to have occured when my identity had been compromised.I received emails from this company and assumed it was fraudulent emails and I have advised the company that i had no knowledge of any such debt. XXXX refused to provide any details about debt and has sent me emails in which I responded to advising them that this is not my debt. On XX/XX/2021 they sent this information to the Credit Bureau after I advised them that this is not my account.
Product: Debt collection

IN REGARDS TO : MERCHANTS CREDIT GUIDE CO. 
XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, ILLINOIS XXXX THIS IS MY SECOND TIME ASKING FOR VALIDATION OF DEBT AND HAVE YET TO RECEIVE ANYTHING!!!! I was wondering why the furnisher is reporting this account as accurate when they dont have legal status to do so. 

I would like to let your company know that I am disputing your claim. The account was opened fraudulently and forgery was committed and the account does not belong to me, and if you can not provide me with a contract or documentation of agreement that has my signature then remove the negative item immediately. 
Under the FDCPA, I am allowed to request validation for a collection. As you know, not complying with FDCPA will put your company in a bad position with the FTC and CFPB. 
I am asking that your company supply me with a copy of the following : 1. Proof that you either own or were assigned the debt from the creditor. 
2. Proof that you have the right to collect this debt in my state. 
3. Proof that your company carries a bond.

4. Proof of how your company assessed the outstanding debt.

5. Payment history from the original creditor.

6. Name and address from the original creditor.

7. Copy of the original contract bearing my signature.

8. Chain of title on this debt.

9. Proof that you can collect this debt from me.

10.Do you own or is this debt assigned? 
11.Copies of all letters sent to me from you the original creditor regarding this debt.

12.How much did you buy the debt for?

13.When was the last date a payment was made on this debt?

14.What fees/interest was tacked onto the debt?

15.How were the fees determined? 
ONCE THE ACCOUNT HAS BEEN PROPERLY INVESTIGATED AND VALIDATED AND VERIFICATION THAT I'M RESPONSIBLE FOR THE ACCOUNT I EXPECT A RESPONSE.
Product: Credit card or prepaid card

I had an existing balance transfer balance not due until XX/XX/22. I got offers to make purchases for " statement credits ''. As I made these purchases I paid the balances. Rather than allocate my payments to the recent purchases, they allocated it to the balance transfer balance. I contacted them via secure message many times and they kept including the rules of how payments worked. I followed all these rules but they still wouldn't credit my payments to the right place. They also gave those new purchases a new " promotion offer '' expiration date which I did not ask for. I became so frustrated I called several times but they still wouldn't fix it. So I closed the account. I just can't believe they are doing this legally. It's absurd! I hated to cancel the card because closing accounts affects your credit and I am working hard to keep my excellent credit. I'm just furious about it. I can't believe they can legally do this when even their printed rules say otherwise. I really appreciate if you could investigate this. Thank you
Product: Credit reporting or other personal consumer reports

I don't know where this Security Credit account come from or why it is showing on my XXXX and XXXX credit report. Please assist me in getting this account removed from my reports.
Product: Money transfer, virtual currency, or money service

There were XXXX XXXX transfers taken from my bank account from Wells Fargo bank totaling {$870.00}. Wells Fargo states that me or someone I gave authority to made the transactions to an unknown person and there was no other processing errors by the bank. 
I was left with {$.00}. I did not XXXX money to anyone leaving me and my wife both XXXX seniors without food or medications necessary to sustain us. I am an XXXX XXXX XXXX veteran who has never sent a XXXX and am technologically challenged. I need to make a complaint against Wells Fargo bank.
Product: Credit reporting or other personal consumer reports

I sent my dispute letter on XXXX, XXXX, to Experian XXXX by Priorty Mail XXXX Tracking number XXXX XXXX XXXX XXXX. To get the negative items removed, I never heard back from Experian, I have sent a XXXX  dispute letter on XX/XX/XXXX. Still waiting for a response from Experian.
Product: Debt collection

I received a letter from Central Financial Control that was dated XX/XX/XXXX. The outstanding balances are for the following medical bills and dates of service : {$350.00} XXXX XX/XX/XXXX {$1000.00} XXXX XX/XX/XXXX{$350.00} XXXX XX/XX/XXXX {$550.00} XXXX XX/XX/XXXX Within the letter, they state that the letter is " an attempt to collect a debt by a debt collector, any information obtained will be used for that purpose. '' And for the account that is still within the limitations, they are n't reporting the balance correctly, as according to their correspondence. 

This is in clear violation of Florida 's statute of limitation for attempting to collect a debt. I am filing a dispute for Central Financial Control 's disregard for the law and consumer rights.
Product: Checking or savings account

I contacted XXXX and I heard nothing back about my banking error complaint I experienced with BB & T in XXXX FL. 
Located at XXXX XXXX XXXX XXXX XXXX FL XXXX. I am a new BB & t customer down in XXXX FL. I made 3 purchases with my new temporary debit card and two with the previous temporary debit card. Every time I make 2-3 purchases on a temporary card, BB & T SHUTS my card off FOR NO REASON. I have been stranded unable to XXXX and put in situations where they would be liable due to poor mismanagement of my account card that I only used for 2 XXXX  and a purchase at the dollar store. There was no reason for them to abruptly shut off my card. These types of banks create reasons for hateful activities once consumers bring up a complaint. I had to go in person and beg for them to unlock the door and let me in to fix what they did to my card 2 times. They did this cause of the current procedures. I stood in the drive through line and they made me beg them to fix my card then did it to me 2 times. Please assist me now this is not safe to be running back to their bank.
Product: Debt collection

I have tried to contact the company to resolve this matter. I called to get a settlement and was told that my account information was sold/charged off and I could not take any action on this account after I had already made a payment that XXXX accepted. I have no information on the collection agency my account was sold to not has that collection agency tried to contact or verify this account. I find it hard to resolve this debt when i'm being giving false information about my account. If my account was sold/charged off, XXXX should have never accepted a payment from me. My account has been charged off for over 6 months and they accepted a payment last month.
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. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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

Under the FCRA : Section 609 ( e ) : I request that you provide written verification of this debt, including all supporting documentation and proof that this account is valid and belongs to me.

Section 611 : I am requesting that this information be investigated and corrected or removed if it can not be verified within 30 days of receipt of this dispute.

Section 605 ( a ) : If this account is outdated ( e.g., over seven years for most accounts or ten years for bankruptcies ), it must be removed from my credit report.

Please note that under Section 623 of the FCRA, information providers ( creditors ) must provide accurate information and can not report unverifiable data. If the furnisher of this account can not validate its accuracy within the time allowed, you are required to remove it from my credit report.

Failure to comply with the FCRA may result in penalties and legal action. I expect a written response regarding the outcome of this dispute, as well as an updated credit report reflecting the results. If the disputed information remains on my report after investigation, I request that you include a statement of dispute as allowed by law. 

I appreciate your prompt attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax investigate the account hard inquiries oh my credit report I have seen countless letter to investigate they sent me a letter and told me these inquiries will be deleted I have proof
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the rights to privacy.

15 USC 1681 Section 604a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 166b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

XX/XX/XXXX XXXX XXXX hit my home. 
XX/XX/XXXX I called my insurance company and Texas XXXX. They claimed that I did not have current wind windstorm. 
XX/XX/XXXX I called Mr Cooper and they gave me supposed wind storm policy # number and expiration of XX/XX/XXXX. I called to verity with Tx XXXX and they said that was NEVER paid. 
XX/XX/XXXX Someone from Mr.Cooper said that they could offer a Emergency Loss insurance through " their '' company XXXX. 
XXXX took 2 months to come see the damages only to deny my claim. I had to hire a Public XXXX estimating $ XXXX in damages. 
XXXX. XXXX XXXX XXXX XXXX their windstorm on me using their high risk partner Annual Amount : {$2700.00} ( Since they did not pay mine in time, Texas XXXX does not take new policies while roofs are in need of repair. 

XXXX. I have submitted XXXX claim checks to them and their claim department has not released any of my insurance funds to me. 
XX/XX/XXXX {$84000.00} mailed certified overnight. ( XXXX XXXX dollars received to date XX/XX/XXXX ) XX/XX/XXXX Today I contacted again they said the weather was bad so my check did not go out. HOLDING OVER 10 DAYS! 
XX/XX/XXXX {$7800.00} mailed certified overnight This check was for reimbursements not home repairs. XXXX I was told it was mailed out. 
XX/XX/XXXX Today I was told that they were holding those funds until they receive proof that the monies are for reimbursements. 
The checks I have tracking labels dated XX/XX/XXXX but no proof of mail only excuses. i feel that I was I man or not an elderly woman, I would not be treated this way. In the meantime, my roof is still leaking from XXXX from the problems they caused me by not paying my insurance then declining my claim.