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

I ask to finance a XXXX XXXX amd when they run the credit report it shows a collection from Yamaha Corp I call them to see if they knew. And I even spoke to a manager and XXXX couldn't find any mistake. Because I made on time all payments. I need to be fix it because that cause me the interest that I have to paid on my new car is bigger than was supposed to be because of his mistake. Amd now they don't see it to fix it
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : EQUIFAX REPORT CONFIRMATION # : XXXX CONFIRMATION # : XXXX I have called numerous times to get XXXX accounts taken off my credit report. 
1. XXXX XXXX XXXX , XXXX. ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX, TX XXXX Opened : XX/XX/2019 Amount : {$580.00} ( See copy of enclosed letter ) 2. XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX, TX XXXX Opened : XX/XX/2019 ( They called my phone asking what credit card I would be using for a payment!!! ) 3. XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Opened : XX/XX/2019 These are not my accounts, YET THEY KEEP SHOWING UP INDICATING THAT THEY ARE MINE. THEY ARE NOT!!!! These belong to a lady named XXXX XXXX. My name is XXXX XXXX XXXX. I never go by XXXX, and it's always XXXX XXXX, NOT XXXX. I am told by Equifax that they can not remove them and to contact the companies. The companies tell me to contact Equifax. I am just getting the run around. I recently retired and am in the process of paying off all my debts and having someone else 's accounts on my credit report is not helping!!! I also have alot of hard inquires listed that are NOT mine!!! 
1. XXXX, XXXX. 
2. XXXX XXXX 3. XXXX  XXXX  4. XXXX XXXX XXXX First of all, i have NEVER borrowed money at a finance company, nor would I ever step foot in a XXXX XXXX   store.
Product: Credit reporting or other personal consumer reports

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect XXXX : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX XXXX XXXX OR XXXX XXXX XXXX  IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Debt collection

This collection company placed a collections account on my credit report without notifying or even validating this debt with me. I knew nothing of this until I saw it pop up on my report, I want this deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to let the bureaus know there were fraudulent accounts listed on my report. According to law these items must be removed. I did not consent to any of these items that are placed on my report. I was denied employment several times because of my report and I noticed these inaccurate items are hurting me the most.
Product: Debt collection

Allegiant Capitol Recovery keeps calling me. Leaving messages. They do not state that this is an attempt to collect a debt, if you are not " so and so '' please disregard this message. She doesn't leave her name just a contact number. She says if we dont hear from you or your lawyer then " best of luck. '' I found the company name by XXXX  their phone number. XXXX
Product: Mortgage

NationStar billed me wrong for over a year and when they realized their mistake they sent me a monthly statement of XXXX, XXXX due in 30 days. I have tried everything possible to have them correct their mistake but they completely ignored me. I hired a lawyer which he just gave up after he mailed certified letters to NationStar but of course he was also ignored. I was advised that the only option I have is to take the mortgage company to the federal court. NationStar is also charging me miscellaneous fees like pay by phone, late fees, which I have never paid by phone or being late one time in over 10 years. As of today they are charging me every single month over {$300.00} in miscellaneous fees. Please help me I do n't want to lose my small apartment.
Product: Mortgage

After the demand was made for the necessary interior BPO for the short sale on my house, Ocwen hired XXXX XXXX XXXX XXXX XXXX ( not XXXX ) to do a mock appraisal of it. I had to beg the young ( XXXX year old ) non-broker ( who was probably not an inspector of any kind ) to take pictures. ( I saw the young man delete pictures from his phone before he left the premises, and they definitely looked like my interior house photos. [ Although, it may be that he did so after uploading them to a server ] ). I scheduled the BPO not realizing that our real estate agent could n't be there at that moment. Our broker-salesperson said based on the description of the incident and the very, very incomplete submission she and the buyer got word of, that he was probably a " runner '' ; a non-appraiser hired cheaply by the actual inspector to " run though '' the dirty work for that person 's convenience / opportunity to close more inspections in a shorter period for a higher income. Our broker and the buyer came in a couple more times to take their own pictures to be submitted to the bank and my XXXX Hope Program attorney. A pending complaint was launched with the DLLR. We know that Ocwen will try to get what they want ( as opposed to what 's equitable ) by any means. The inflated price they attached could have scared off the buyer had he not been able to negotiate skillfully. What 's at the crux of this is that we just found out that no one gets a copy of the BPO except for Ocwen and the bank, XXXX. We would have ( despite the expense ) put in for a BPO with someone we hired had we known that Ocwen could / would doctor the results to fit their own agenda. And the revised sale contract for the new amount on the house removes the provision of up to 90 days given at the buyer 's discretion for us to vacate the property. The previous contract made that provision. Also, we have found out about Dual Tracking, which definitely appears to have been done in our case.
Product: Credit reporting or other personal consumer reports

My account with XXXX BANK, XXXX XXXX BANK XXXX, XXXX BANK XXXX, XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX BANK, XXXX XXXX BANK XXXX, XXXX BANK XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent XXXX XXXX statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within XXXX XXXX  days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current 2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current. 
4. there is some inaccurate information reporting XXXX XXXXXXXX Account Number : XXXX Delete this account. 
5. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete this account. 
7. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 
8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XXXX  Please remove it from my credit report.
Product: Debt collection

With the XXXX XXXX company I had an account with them I had all my payments a day XXXX day I bought a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX in XX/XX/XXXX of XXXXXXXX XXXX they sent it to my home address but the phone never arrived and never signed as I had reduced it I contacted XXXX and they took it for lost after I communicated it to the telephone company XXXX which they started an investigation at the end of time they contacted me that they were going to make a full refund of what was paid by the device then I canceled my services with them so I asked them to send me the bill of the debt that I owed less but a month of receiving it they were charging me the debt of the debt of the XXXX XXXX XXXX XXXX making a total of more than XXXXXXXX XXXX then I contacted them again so that they checked that amount of debt was wrong they said yes and that they were going to solve it but I kept receiving the bill wrong
Product: Checking or savings account

Unemployment said they were back dating my claim to XX/XX/2020 They have not done so. 
They said Bank of America ed was gunna deposit XXXX into my account both times everi emptied my account They have yet to fix the situation and have to keep sending me new cards making me behind on bills. 
Unemployment also said I was getting XXXX a week but now its XXXX. No notice nothing cant get ahold of anyone its just rough already. I need help
Product: Credit reporting, credit repair services, or other personal consumer reports

All Credit bureaus broke federal law and violated my consumer 's rights. XXXX, XXXX, 2022, I written a letter to All three bureaus to remove the accounts listed in my letter due to the fact there is no written consent from me ( consumer ) to place the accounts on my consumer profile. XXXX XXXX Never sent me any results from the first round of letters I mailed out to credit bureaus Violation 1- 15 USC 1681 ( b ) Permissible Purpose- A consumer must provide written instructions to the CRA on what is needed to be reported on a consumer report. The CRA do not have a written consent from consumer for the accounts listed on the consumer report. 

XXXX, XXXX I sent another letter out to request the method of verification from the credit bureaus but No one provided the information I requested. XXXX, Experian and not even XXXX XXXX responded to may request. 

Violation 2- 15 USC 1681a ( e ) - Request of Method of Verification was not provided by the bureaus. As consumer, I have the right to know what method was use to conduct an investigation by the CRAs. 

There are collection reporting on my consumer report that I did not give any consent to have my personal information. This is a violation of my right of privacy. 

Violation 3- 15 USC 1681a- consumer have the right for privacy.
Product: Credit card

I bought a watch with a chase card that.stated it was waterproof to XXXX atmospheres ( XXXX feet ) for my son. He went in the water in a pool and clearly the watch got water in it. I took photographs of the watch and sent them to the manufacturer who happened to be in XXXX around the time there was turmoil about them succeeding from the XXXX XXXX. They said to send it back and I was already to do that though I was nervous that the watch would not get there so I called chase to ask them what to do ... I was advised to start a dispute process and that I did not have to pay to return the merchandise and that the merchant should send a return shipping label. So I communicated that back to the merchant.. They refused to send a shipping label and threatened if I sent the watch back they might find that the watch was not faulty ... I tried to upload my documents to the website several times each time with a response that chase had received my communication and would let me know with in 24 hours WHICH THEY NEVER DID ... I had to redispute the charge several times, Chase never gave me any chance to respond to the merchant. And though all calls are monitored miraculously they were unable to listen to the call where the advisor at chase advised me not to return the watch .... They sent me responses from the merchant in XXXX that they had translated but never the translation.. They would say they would investigate and get back to me and then leave a note that they would call me and not call me back, put the charge back on the account without any notification that I would only find out after I called them. MY ADVISE DO NOT USE CHASE TO BUY ANYTHING YOU THINK YOU MIGHT EVER NEED TO DISPUTE THEY ARE VERY DISHONEST. I desire a government investigation into Chase Dispute practices and procedures, an apology from Chase, that they listen to the call that clearly will prove that their representative told me not to return the watch and removal of the {$310.00} from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. This complaint to Equifax was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$440.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for the Chase student card on XX/XX/2020 and the Amazon Prime Chase card on XX/XX/2020. These two inquiries are correctly reflected on my credit report. However, on XX/XX/2020, a third Chase hard inquiry showed up on my credit report. Called in to XXXX on XX/XX/2020 at XXXX XXXX, was informed that I should contact Chase to have this corrected. Called Chase immediately after, was informed that the third hard inquiry was for verification purposes for mismatched social security. However, during the verification process my social security number was not submitted, I only had to submit my address and date of birth.
Product: Credit reporting, credit repair services, or other personal consumer reports

{$810.00} in old medical debt. I dispute the services. The services were never authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged o XXXX Potentially negative Date opened XX/XX/XXXX Balance {$98.00} Status Closed. {$55.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$1100.00} w FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Transferred, clo
Product: Checking or savings account

I sent a wire ( wire reference # XXXX ) on Monday XX/XX/XXXX in the amount of XXXX. Bank of America rejected the wire for erroneous reasons ( all information -name, account #, etc. Match ). BOA rejected the wire and took a XXXX dollar processing fee ( wire fee ). They failed to do their job and process the wire. Because of covid-19 I don't want to go to a branch so did the wire option. They should be mandated to waive all wire fees during this crisis. I am demanding my XXXX dollars back.
Product: Checking or savings account

On XX/XX/2023, I answered Capital Ones questions regarding Claim No. XXXX that I had filed regarding wrong wigs that were sent to me and the seller is not responding. Capital One deposited a provisional credit in the amount of {$54.00} into my checking account. I was sent an email from Capital One stating the claim was denied because they said I had not provided the information that they had requested. As I stated before, I provided the information to XXXX XXXX XXXX  as instructed. When I contacted Capital One to inform them that I had emailed the requested information, I was told that I would have to open another claim to have it investigated again. This time, the Claim No. was XXXX. I sent the email with the requested information on XX/XX/2023 and again on XX/XX/2023. The same exact thing happened. I was sent an email that it was denied. When I called to inquire this time, I was told that that Claim No. XXXX had been escalated to be further investigated. However, the provisional credit of {$54.00} was deducted from my checking account on XX/XX/2023 even though I had not received an email stating that a decision had been made on the claim. When I first called on XX/XX/2023, I was told that an error had in fact been made and that the money would be put back in my checking account. After some time on the same day, I called Capital One again because the money had not been replaced. This time I was told that an error had not taken place and that the money would not be replaced. I really couldnt understand the reasons why because of the heavy accents. I spoke with a representative as well as a supervisor and I believe they both had different reasons why the money will not be returned even though they eventually received my response to their email.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent a letter to transunion requesting that they send me the documentation that they have on file verifying that the account in question is mine.Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand these documents be sent to me.the account in question is XXXX.instead of them sending me the verying documents, i get a identity theft package from what seems to be the original creditor ( XXXX ) .with a balance of $ XXXX.i never received any verying documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous 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 an alleged fraud or extortion. Please delete the following inquiries : XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX, XXXX. Please delete these inquiries immediately.
Product: Debt collection

On Sunday XX/XX/2019, an unknown person who did not identify themselves rang the doorbell at our home. After repeated ringing, this unknown person suddenly started loudly pounding on our front door for a period of two minutes. This action startled my wife as she thought our home was being broken into. When she opened the door, she was told to give me a summons for the Superior Court of California , County of XXXX. The plaintiff is XXXX XXXX with legal representation by Zwicker & Associates, XXXX ( XXXX XXXX XXXX CA # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX CA # XXXX ), phone number XXXX. The amount of the outstanding debt was {$14000.00}. 

A settlement with XXXX XXXX/Zwicker & Associates was reached in XX/XX/2019 between Zwicker and XXXX XXXX XXXX with a payment being sent by my power of attorney XXXX XXXX XXXX on XX/XX/2019 in the amount of {$10000.00}. 

Given it is XX/XX/2019 and the settlement was reached almost 25 days ago, Zwicker & Associates had a professional and legal responsibility to inform the Superior Court of California to withdraw the summons in a reasonable and timely fashion. Due to their lack of informing the Court, my wife was put in a stressful and dangerous situation that has caused her emotional distress.