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

Under the provisions of FCRA 611 ( a ) ( 1 ), the bureaus are required to have conducted a reinvestigation of my dispute which was filed XXXX XXXX, and to have concluded that reinvestigation within 30 days of your date of receipt of my dispute. To date, I have received no response from all 3 bureaus. 

Under the provisions of FCRA 611 ( a ) ( 6 ) ( A ), the bureaus are required to have provided me written notice of the results of the reinvestigation within 5 business days of the completion of your reinvestigation. To date, I have received no notice of results of the reinvestigation. Since the statutory periods have expired, I consider all 3 bureaus to be in violation of the cited sections of the FCRA. 

Please be advised there are not exceptions listed, when faced with extreme weather or health pandemics. If the bureaus are given exceptions on breaking the law, they need to go to congress and have the law changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written five dispute letters to each reporting credit accompany. It is the same results every time. I received results on XX/XX/XXXX, 2022, same results from previous results. I do not believe investigations are being done just receiving data ffrom database system and stating the information is correct. It is identify theft, as XXXX XXXX service member I was XXXX. During XXXX, I had to leave a copy of my ID , drive license, and Social Security, power of attorney to the person who it taking care of my children so my children could go the doctor and stuff. I want a thorough investigation. That is my right.
Product: Debt collection

I have already attempted to have XXXX XXXX XXXX XXXX XXXX ( " MCM  '' ) issue a statement to the three credit reporting agencies regarding a debt it is trying to collect in my name for an address in a state that I have never resided in. I believe that the debt MCM is trying to collect is based on inaccurate and/or unverifiable information, and as such a statement should be issued to the three credit reporting agencies outlining the same. 

On XX/XX/XXXX, I received a collection notice from MCM   instructing me that I needed to pay a debt owed to MCM in the amount of {$2700.00}. Since then I have been sending to MCM correspondence disputing the veracity and credibility of the debt held by MCM. 

On XX/XX/XXXX, I was informed by MCM that after it conducted an investigation into my claim I would be held liable for debt payment to MCM. Even though I can provide evidence to refute any findings of an internal MCM investigation I am still being harassed by MCM on the basis of a debt that is based on inaccurate and/or unverifiable information. 

I feel as though I am being unfairly harassed by MCM.
Product: Debt collection

On or about XX/XX/year> XXXX guys knocked on my door and told me that they have a government funded program to fix my windows and doors, they offered me a free solar water heater and told me that it would be XXXX to have it fixed with a {$20000.00} rebate. They gave me XXXX  months promotional. my payments were supposed to be $ XXXX  monthly. they came fix my doors and windows gave me the Solar water heater when it came time to start paying on my debt. I called Service finance and found out that my monthly payment for $ XXXX  monthly payment. I never got the {$20000.00} rebate now Im stuck paying {$1100.00} a month payment that is attached to my home. I feel like I was swindled. I didnt even find out how much it was until I got ready to start paying. They also processed another loan for XXXX in my XXXX  name so another finance company XXXX XXXXXXXX spoke with the guy XXXX at XXXX XXXX and was able to have that loan removed. I would like to open a complaint against Service finance the people that came out to do the windows and the doors their company is no longer available. They went out of business and the name of that company is XXXX  XXXX XXXX  please can you help me also only {$220.00} is going toward my principal {$880.00} is interest
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 13 hard inquiries on my Transunion credit report and I want them removed. I have not given any company permission to pull my credit. The following are the inquiries. I rectified the issue with XXXX and XXXX. 

1XXXX XXXX XXXX XXXX Banks and XXXX XXXX XXXX XXXX 2.TransUnion XXXX XXXX Finance other than personal XX/XX/XXXX 3.TransUnion XXXX Finance, personal XX/XX/XXXX 4.TransUnion XXXX Personal Loan Companies XXXX  5.TransUnion XXXX XXXX Bank Credit Cards XXXX  6.TransUnion XXXX Finance , personal XXXX TransUnion 7.TransUnion XXXX XXXX 8.TransUnion XXXX XXXX  Banks and XXXX XXXX XXXX XXXX 9.TransUnion XXXX XXXX Automotive XXXX  10.TransUnion XXXX XXXX XXXX Credit card and travel / entertainment companies XX/XX/XXXX 11.TransUnion XXXX XXXX Banks and XXXX XXXX XXXX XXXX 12.TransUnion XXXX XXXX  Miscellaneous Reptg. Agencies XX/XX/XXXX 13.TransUnion XXXX XXXX XXXX XXXX Automobile Dealers, New XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had 3 late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXXXXXX Please investigate and provide, Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against XXXX XXXX XXXX and Trans Union ; there was a repeat derogatory delinquent account # XXXX reported back on my Trans Union consumer report. XX/XX/XXXX, I noticed a repeated derogatory account showing on my consumer Trans Union report. I reached out to XXXX XXXX XXXX, and I spoke with representative XXXX XXXX, he confirms this debt account is now been placed with his new collection agency XXXX XXXX XXXX. The amount I need to paid {$490.00}, and the original date account was open on XX/XX/XXXX, but new account open date reports XXXX XXXX and the first date account was late XX/XX/XXXX, but now new late date is XX/XX/XXXX. I asked XXXX why XXXX XXXX XXXX purchased an old delinquent account that is past seven years old? XXXX never answer this question. I also mention this is inaccurate late date account shows, and why was the account open date, and amount changed? XXXX was confrontational, he raised his voice by yelling stating this is not what he said. I explain to XXXX I wrote down everything you have said to me. I then asked XXXX to validate this debt, and XXXX said this file were just placed on his desk, he will mail the documentation to me. I have not received any validation of this debt as of XX/XX/XXXX. 
Next, I reached out to Trans Union, I spoke with XXXX XXXX representative of Trans Union, XXXX confirms file # XXXX was removed from my credit report on XX/XX/XXXX, due to statute of limitation expired. And this account has been placed back on your consumer report as of XX/XX/XXXX. The debt with XXXX XXXX XXXX at XXXX XXXX. Debt amount shows delinquent {$720.00}. I ask what happen to {$490.00} XXXX a XXXX state what was past due, and why this amount increase now? XXXX said she will have to submit a dispute, next XXXX said this account open date shows XX/XX/XXXX. I ask XXXX why did Trans Union allow this derogatory debt to be placed back on my consumer Tran Union report? XXXX said she would have to submit a dispute she did not know.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America reported fraud to my report on XXXX a few yrs ago. When I found out last summer XX/XX/XXXX I called BOA and they stated that they never reported i had fraud and that my account I had with them was closed because it had a negative balance. I then contacted XXXX to remove the fraud report and they said they would investigate. 30 days later i recieved a mailer stating they needed more time and I have not heard from them since. The night of XX/XX/XXXX I tried to open a debit account with XXXX XXXX and I was denied because of fraud with XXXX. So they obviously never investigated nor removed the fraud defamation.
I then reported this here about XXXX and they lied and the complaint was closed. BOA had a collection company call me on XX/XX/XXXX and still has never responded regarding the defamation of fraud.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I have recently identified that there is negative information reported by " XXXX  XXXX Bankruptcy Court '' on my credit reports under my Social Security number. After ordering a copy of my credit report, I see an entry from this court listing XXXX with Reference # XXXX filed in XX/XX/2020 The account XXXX with Reference # XXXX filed in XX/XX/2020 with this court appears to be inaccurate. Please verify and validate this information with the court and provide me with copies of aLL documentations associated with this account granting you authorization to report this information, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have reached out to this credit reporting agency to remove and update incorrect information and balances appearing on my account. Proof regarding my ownership of the accounts and documents supporting other information on my credit report were requested and never submitted to me.
Product: Debt collection

The debt collection company Plaza Services at XXXX XXXX XXXX # XXXX XXXX, GA, XXXX continues to maliciously report a debt that I do not owe them. I did not sign a contract with them and they do not have the right or my permission to report on my credit report. I have done 2 or 3 disputes as any debt collection company does not have the right to report a charged off account on a credit report as it is considered income. Income is not supposed to be reported on a credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX because the when I used the website and employees in the branch could not access my Fico credit score. I was told I had to go through Experian. I could not make an account on the Experian website, every time I get to the last step where I enter my address and SSN I am met with a Technical Difficulties screen, which gives me a phone number. 

I have called that and every other number I can find for Experian, and they all go to the same automated voice menu system, it is impossible to speak to a representative. Their system is completely broken and it horrifies me that my own access to my private information is impossible to retrieve from them, while they have access to all of my important personal information. 

I am desperate, and worried I will never be able to get FICO credit score.
Product: Mortgage

Hello my name is XXXX XXXX I inherited XXXX XXXX XXXX XXXX Alabama XXXX in XXXX because of the passing of my godmother. Since XXXX I have been trying to send information explaining the passing of my godmother and that I am now the executor-of the estate. I have sent my drivers license the death certificate and the executor paperwork every time I call I get either they didnt receive it or they received it but they are working on the paperwork. This has been going on since XXXX. Please help me the mortgage is behind 7 months and I am trying to get a forbearance for this home but if I cant get information I cant apply for it.
Product: Credit card or prepaid card

The reason for my complaint is I have several AMEX cards, a combination of business and personal. Since I have been a cardholder with AMEX, I have an excellent payment history across the board with all the cards that I have with them. Secondly, I reached out to them requesting a credit limit increase on 3 personal credit cards only. AMEX sending information as if I was trying to purchase a home or apply for a mortgage. In regard to demanding documents if you were trying to buy a house vs a credit limit increase on a credit card. I have numerous other credit cards with major banks such as XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX etc. None of them ever requested documentation as if I was buying a home as AMEX did. Furthermore, as stated I wanted to inquiry about credit limit increases on American Express XXXX XXXX XXXX XXXX XXXX XXXX America Express Cash Preferred XXXX XXXX XXXX XXXX American Express Hilton Honors Surpass XXXX XXXX XXXX. Between these 3 credit cards I have a total credit limit of {$18000.00}. Why did AMEX send me a response as if I requested credit limit increases on business credit cards that I have with them. Which I did not. Moving forward, I know AMEX is a business/company and I have limited or little rights as a cardholder because they can change rules or policy on the fly. But this is totally ridiculous for them to act like I am applying for a mortgage vs a credit line increase on 2 cards with XXXX limits each and another with XXXX.
Product: Debt collection

I moved out of XXXX XXXX XXXX XXXX 2021 due to extreme mental abuse and negligence from my roommate and XXXX XXXX. They were negligent in enforcing multiple lease rules that my roommate was blatantly breaking, and in turn made continuing to live there, impossible. Now the debt collector, Hunter Warfield, has been harassing me by phone and letters in the mail ever since, for the remaining rent debt of {$5300.00} that I absolutely refuse to pay. They have threatened to sue me and put me in XXXX if I do not pay.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , INC ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

I have been receiving help from the HARP program starting 5 years ago. Each year on or about XXXX XXXX, I have received a {$1000.00} on time incentive bonus but not this year. On my Ditech statement the bonus would be tracked in a line item called " Incentive Accrual Balance ''. On my XXXX/XXXX/2016 Ditech statement the balance showed {$910.00}. On my XXXX/XXXX/2016 Ditech statement, I had expected the incentive bonus to have reached {$1000.00} and to have been credited to my Principal Balance. The payment was not credited to my principal and the " Incentive Accrual Balance '' was no longer listed on my statement. I have called the U.S Treasury several times but the lines has been busy. I have called back but with no success. I have called Ditech several times over the past month and their excuse is they have not gotten the money from the U.S Treasury. Could you please help me find out why this year {$1000.00} incentive bonus has not been credit to my account? 
There is a second item I would like you to look into. After the first five years receiving {$1000.00} per year ( have not received the fifth year yet ) in the six year of the program I am to receive a XXXX incentive bonus. The sixth year 's incentive bonus is not being track on my statement as the {$1000.00} was. What 's up with that? 
This last question is for me to have a better understanding of how the U.S Treasury sends out the incentive payments. Does the U.S Treasury send out a lump sum to the mortgage holder like Ditech or is the money sent out monthly? Ditech tells me it is a lump sum but on my statement it is tracked on a monthly basis. This is the reason they have given me as to why the {$1000.00} has not been credited to my account, they have not received the money. 
My Ditech loan number is XXXX.
Product: Credit reporting or other personal consumer reports

The FCRA 605B requires the removal of any incorrect accounts from my credit report. Can you examine the documents? Some of the accounts are reported inaccurately, with errors in amounts and dates.
Product: Debt collection

I am filing this complaint against XXXX, XXXX a debt collector from XXXX. I had a payment due in XX/XX/2024 in the amount of {$1500.00}. I did not have sufficient fund to cover the amount. I called XXXX XXXX on XX/XX/XXXX to inform him that the payment can be processed that the fund was available. XXXX XXXX informed me since the fund was not available on XX/XX/XXXX the agreement was cancelled. I explained to him that the monthly payment was too high that I would to have a lower payment plan. I explained to him that I already make a payment of {$3500.00} towards the account and he said those payments are void that I will star all over with repayment. I explained to him his conduct was in violation of the fair credit act and he threatened to sue me and have my wages garnish. I asking the agency 's help in this matter as I feel my rights have been violated.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have recently become a victim of a data breach that has resulted in identity theft and the unauthorized opening of accounts in my name. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting that you block and delete the following fraudulent accounts from my credit report : XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXXXXXX  o Balance : {$0.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$21000.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXXXXXX   o Balance : {$31000.00}
Product: Credit reporting or other personal consumer reports

THIS IS WITH FTC On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California XXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov.

14, 1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Checking or savings account

On  X/XX/2017    an ATM cash withdraw in the amount of {$300.00} was made from our checking account during the night while my husband and I were both sleeping during the hours of  XXXX  and  XXXX  at an unknown ATM machine which we have never used at and area where we are not familiar with. At about  XXXX  I noticed the unfamiliar transaction and asked my husband if he had made it and he said " no ''. We have never loaned anyone our debit cards or shared our pin numbers with anyone. So I called  Wells Fargo to file  a fraud complaint and on   XXXX     they denied our claim.  Wells Fargo ob tained copies of pictures taken of the thief who used the ATM and still they refuse to honor our fraud complaint or reimburse our stolen funds. We suspect that our debit card was somehow cloned by the thief.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midwest Recovery Systems posted on my credit report for a loan opened on XX/XX/XXXX from XXXX XXXX XXXX. No such loan was opened on XX/XX/XXXX.

I contacted XX/XX/XXXX I contacted XXXX XXXX XXXX to confirm that they work with Midwest Recovery Systems but would not answer me.

Same date, contact Midwest Recovery Systems for proof of loan. No response.
Product: Credit reporting or other personal consumer reports

I applied for a credit card with American Express credit card company. They ran two separate hard hit inquiries without my consent. I understand when you apply for a credit card and complete the process. The company would run 1 inquiry in which I agreed upon. This company ran two and this has effected my credit score and it dropped XXXX points. This company dragged their feet on reporting to all 3 credit reporting agencies in regards to my new account established with American Express. I had to call and make a complaint.
Product: Mortgage

The company has changed hands three times and my escrow information is incorrect they have not gotten this straight and have harrssed and caused me to loss tenants and cause me extreme stress and my balance is incorrect. I have documents to prove it but can not get them to listen.