23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is old now should not be reporting on my file now stated should fall off. 
STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response We reviewed the attached complaint and our file on this matter. This account was assigned to us for contingency collections in XXXX for XXXX XXXX received by the complainant. She sent us a cease and decist/dispute/validation request letter in XX/XX/XXXX, which we responded to promptly. From that point, she continues to file online CDVs, which we have responded to and will continue to respond to. Fidelity is under no obligation to send validation multiple times. It was only requested once, contrary to her complaint, and it was sent XXXX XXXX ). Online CDVs are not a request for validation, nor do they mandate such being sent. If XXXX XXXX would like to honor her responsibilities and pay her bill, she is welcome to contact our office and make arrangements. Otherwise, the matter will remain active in our office.
Product: Mortgage

After suffering an insured loss, our mortgage company has retained our insurance check and is not supplying any communications or updates regarding the past XXXX inspections to release those funds. They are in possession of funds that far exceed our mortgage balance in addition to multiple inspections showing contractor progress that exceeds milestones required for funds dispersal.

The banking institution 's third-party administrator ( loss draft department/servicing department ) is interfering in our insurance indemnity claim of loss. They are unreasonably delaying and withholding funds necessary to pay your contractor and therefore delaying repairs and causing additional harm. 

A prompt resolution to this matter is requested and has been demanded of all parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Experian are reporting on my credit reports that I am XXXX by listing my employer as " XXXX '' or " long-term XXXX '' and in doing so violates my right to have my personal health information/status protected under HiPAA. And also exposes me to discrimination by notifying creditors of my health status. 

No option is provided on either of the sites to remove this personal protected and privileged health information.
Product: Credit reporting or other personal consumer reports

XXXX WAS SOLD AT AUCTION BUT REPORTING AS A CHARGE COMPANY WILL NOT PROVIDE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with Capital one that got behind and went to collections. I have since paid the collection agency in full. The credit card was showing on my credit report under the collections agency and under Capital one. So same debt listed twice on my credit report. The collections agency- XXXX XXXX have removed the collections off my credit, but Capital one is still showing I have that credit card and is reporting it with a balance and a negative mark every month. I have disputed this too many times to count and have called just as much. I always get snarky reps uninterested on doing anything about it as it continues to ruin my credit month after month. I am literally at my wits end.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and noticed late payments. The delinquent payment shown on my credit report XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX was a result of my job loss due to XXXX. The CARES Act, which was signed into law on XX/XX/XXXX, and ended XX/XX/XXXX amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis under these circumstances. Please update this information to PAID/AGREED for the following time period.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance XXXX {$420.00} XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit card or prepaid card

In XXXX of 2021, a merchant errouneously overcharaged me {$840.00} for a {$48.00} purchase. 

I noticed the overcharge and contacted the merchant for correction and informed the merchant I could not locate the receipt for the purchase. The merchant requested I return to the store for reversal of the charge. However, I noticed my account with the financial institution had restored the overcharge and I thought the matter was resolved. I did not return to the merchant for further assistance. 

In the pursuing months ( XXXX - XXXX, ) the financial institution required documentation from me for investigative purposes ( which I provided to substantiate my claim ) but the financial institution resolved the matter in favor of the merchant although the merchant never provided merchant/customer receipts proving the purchase amount of {$840.00}. The vendor only provided the XXXX XXXX receipt statements which are not evidence of the merchant 's receipt for my in-store purchase.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I applied for a credit card I decided to check my credit report and I see a significant amount of unauthorized inquiry 's on my report. The following unauthorized inquiry 's are : XXXX XXXX XXXX. Which is not even connected to an open account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wallet was stolen from my car a few months prior. I first noticed my XXXX benefits were being used and reported it to Identity Theft. Other accounts and credit cards were opened under my social security number, and I've noticed my credit score depreciate since the event occuring.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these ACCOUNTS : Public Record : XXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : XXXX  Date Reported : XX/XX/XXXX Current Status : Closed Public Record : XXXX XXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : XXXX XXXX Date Reported : XX/XX/XXXX Current Status : Closed Public Record : XXXX XXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : XXXX XXXX Date Reported : XX/XX/XXXX Current Status : Closed Public Record : XXXX XXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : XXXX XXXX Date Reported : XX/XX/XXXX Current Status : Closed Public Record : XXXX XXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : XXXX XXXX Date Reported : XX/XX/XXXX Current Status : Closed Public Record : XXXX XXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : XXXX XXXX Date Reported : XX/XX/XXXX Current Status : Closed Public Record : XXXX XXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : XXXX XXXX Date Reported : XX/XX/XXXX Current Status : Closed I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting

I submitted the proper documentation to Experian to begin the Investigation, I actually submitted to them ( Experian ) the paper work on 2 different occasions because I felt like I did n't receive the proper results ( an answer ). They stated that my results came back verified and I did n't receive any documentation that stated that they were verified. I actually sent the same letters to XXXX and the Information was removed/ Deleted. 
The XXXX account were : XXXX Acct # XXXX XXXX. Acct # XXXX Attached is the results from XXXX results for the XXXX accounts listed above.
Product: Mortgage

On loan # XXXX with Loandepot I was told I had a " locked in '' interest rate. After interest rates went up the company turned down my application. I have quite a bit of evidence proving my eligibility but the company has ignored all my calls emails etc. 


I have too many attachments to email.
Product: Prepaid card

On XX/XX/XXXX I purchased a {$500.00} XXXX XXXX XXXX issued by XXXX and serviced by InComm financial services. Upon opening the card, I realized it was tampered with. I called InComm to shut the card down and have it reissued. They asked me to send the front and back of the card, the receipt, and my driver 's license under case XXXX XXXX and tell me it can take up to 30 days to process. I wait until XX/XX/XXXX to call for an update. They ask me to please wait a few more days. On XX/XX/19 I call again. The agent was stuck like a broken record, repeating " you've submitted the documents, they've been received, it's over 30 days, but you haven't received a replacement, just a moment ''. He ultimately could give me no further resolution. So I'm left to make a CFPB complaint to get them to move on this.
Product: Mortgage

I had a Hail Damage Claim on my roof. I sent the check to XXXX XXXX. Called two days later to have a final inspection done. The roof was repaired, but 1/2 screens and one broken window hadn't been completed yet. The claim amount for the screens and window totaled {$430.00}, .07 % of the claim check amount of {$6400.00}. My deductible of {$2200.00} covers these repairs. The bank/mortgage company on completion of the roof only sent 1/2 of the claim check instead of the full claim check, wanting to confirm all of the repairs had been done. I have been working in this industry since 1985, I have never had a company withhold 1/2 of the check if more than 90 % of the repairs have been completed. Now they want to send a 2nd inspector out ( it took 10 days to get someone the first time ) and wait again to mail me another check. I now have to pay the roofer the other 50 % of the funds out of my pocket and wait for reimbursement from the mortgage company. I know I am in a full repayment Chapter XXXX, but have less than a year left and have kept up all other payments. I feel that they are using my check as leverage and to also keep balances in their account, where they do not have to pay me interest, to use as compensating balances or required reserves they are supposed to have per federal regulations. It is a con job.
Product: Checking or savings account

Beginning in XXXX of 2017 I noticed that my checking account balance was at times, lower than what it should have been. I found that someone had taken my checks and endorsed them in my name, and then cashed them. I reported this to the bank as they were also handling my my investment account. At the time, they told me not to worry about it. They did not offer to investigate it, in fact they brushed it off. At the time, I was starting a " XXXX XXXX '' business and was well over my head and that of course distracted me and I did not pursue the matter further. Of course, I am in need of the funds that were fraudulently taken out of my account. I would like the bank to open up a fraud case and explain to me why they cashed checks that clearly have a signature that is not mine. Also, I would like the bank to explain why they had me fill out a signature card upon opening the checking account, yet never measured the fraudulent checks against the signature card. If they had done so, to the very least, they could have brought this to my attention and right then and there we could have avoided the fraudulent checks from being cashed. I will attach to this complaint, a copy of a spreadsheet that clearly outlines the fraudulent checks, proof of a proper signature and all supporting detail.
Product: Debt collection

I opened a Best Buy account in XXXX of 2019 and purchased a video game and used the account for some online purchases and an XXXX XXXX. I reported the the card lost and reported fraudulent charges. Best Buy refuses to contact me to discuss my fraud. I have opened 5 separate disputes and all are returned that the charges are legitimate. I have requested to speak with the investigator for my case multiple times and they say that he will be contacting me for additional information and no one ever calls. I have been charged an excessive amount of late fees and interest as well as the account has been added to my credit report as a write off. This is destroying my credit rating and I am not able to be approved for even a auto loan. There are out of state charges as well that do not belong to me. I dont know how many times I can call and request to speak with my assigned investigator and be ignored. This matter has been going on for 2 years and I have spent an irreplaceable amount of time upwards of at least 2 hours a day on average at least every other month. I also received letters periodically from Best Buy that there is suspicious activity on my account. 
My purse was stolen which had my wallet, cc, drivers license, social security card many other personal items. I was able to contact my other cc companies and they rectified my fraud almost immediately. I do not know why Best Buy refuses to help.
Product: Debt collection

A few years ago, I noticed a collection account on my credit report from National Credit Systems representing a lease from an apartment complex that was not paid. I recently addressed this with the collection agency and they requested proof that this account was not mine. I supplied them with a police report, a identity theft report, a notorized affidavit, as well as a lease agreement of the place I was actually staying at the time of the alleged lease which they requested. I supplied them with all the information they requested from me and still they come back saying that this account was mine. 

At this point they are violating my rights and hurting my ability to obtain credit which is illegal because this lease was a result of identity theft which they are reporting to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, Equifax, and XXXX Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. The Credit Bureaus failed to comply with the FCRA section 605b which states that the Credit Bureaus are required to delete any account and information that resulted from an Identity theft. I reported the theft if my Identity to the FTC and attached copies of the FTC 's Identity theft report. The following Fraudulent Information listed below are still reporting on my credit report. I am hoping that you may be able to help me and have these items deleted as soon as possible. Under the FCRA section 605b, I am in need of removing the following fraudulent accounts and information from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$20000.00} XXXX XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX - XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX - XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX  Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXXXXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX XXXX Date XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. Also, you have been failing to verify to me the accuracy of the disputed accounts and yet you have been claiming the these items have been verified. You have failed to meet your responsibilities.
Product: Debt collection

Ive been dealing with First federal credit control for YEARS now! They are Still reporting FOUR collection accounts on my credit report that should have never even been on my report to begin with! I had set up a payment plan with my doctors at university hospitals ( terms were I would pay {$30.00} each month ) but once the bills technically showed past 90 days they were reported to first federal credit control but they shouldnt have because, i was paying the {$30.00} each month and even have verification to prove this! I also have written verification from XXXX XXXX stating these accounts should have been deleted yet they arent and Im being lied too! Ive filed dispute letters with the 3 credit companies and first federal credit control! I spoke with XXXX XXXX via a recorded phone line on Thur. XX/XX/XXXX.. he informed that they did grant my request for all 4 collection accounts to be permanently deleted from my credit report and electronically filed that on XX/XX/XXXXto credit bureaus. YET all 4 are still being reported as of XX/XX/XXXX! Ever time I call its impossible to get through to anyone and am transferred to voicemails its such a joke, this company is a complete violation of basic consumer rights! Even when I do finally reach XXXX XXXX baxtor himself Im given complete attitude like Im annoying him, Im sorry Im sure he would feel the same way if he had 4 negative collection accounts on his report that shouldnt be there!
Product: Mortgage

I am having trouble with my online account with PennyMac. I cant reach anyone to solve the issue. Endless hold times, and inoperable website. I cant even pay them what I owe them! Very, very, very, poor customer service!!!
Product: Checking or savings account

My husband and I filed a claim for fraudulent activity for transactions we did not make with US Bank. They did not provide a provisional credit. Instead, they froze funds in all three checking accounts, and they did not honor our mortgage payment. They refuse to return our money in all accounts to us until after they complete an investigation and close all accounts which could take 90 days, meanwhile our mortgage payment can not be made and will cause a late payment on my credit report. We have filed a police report.
Product: Debt collection

I spoke with a rep last week when they called my place of employment. I have asked the company ( Capital Accounts LLC ) not to call my place of employment XXXX times now. The company has my cellphone number as well as my email address, but yet they continue to call my place of employment.
Product: Checking or savings account

On or about XX/XX/year> I opened a checking account with PNCBANK.I then linked this account with my brokerage account. On XX/XX/year> I transferred {$100.00} to the PNCBANK, on XX/XX/year> I transferred {$2900.00} to the PNCBANK account, on XX/XX/year> I transferred {$2000.00} into the PNCBANK. Sometime shortly after that they suspended my account without notice or warning .When I called I was transferred to their fraud department. They were rude and refused to tell me why they took my money and promptly suspended my account. I called several time and just got transferred around and no answers. Sometime around XX/XX/year> I discovered without any notice from PNCBANK the account was unsuspended .When I called the PNCBANK fraud department I was rudely told they don't have to tell me why. I subsequently Tried to close the account and was told it was under review from PNCBANK that it would take 30 days then they said 30 to 60 days. Today XX/XX/year> I called PNCBANK they transferred me to fraud department they put me on hold several times the last time they put me on hold for several minutes then abruptly disconnected .Now they will not answer my calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was getting charged fees with out getting told or recieve of mail or call, I bought stuff online and they never helped me with my money back also there were other banks where my credit was messed up it was at XXXX or so almost XXXX and I opened 3 cards after people started doing it under my name somehow there just lots going on right now
Product: Credit reporting

SS Number : Equifax Information Services LLC XXXX XXXX XXXX, GA XXXX Demanding A Credit Bureau Investigate To Whom It May Concern : I recently submitted a request for investigation of the following Acct Numbers : XXXX BANK DELAWARE Account XXXX FDCPA Act violation please delete. 
XXXX Account XXXX ... .This account is not accurate Please delete All of these accounts which you DECLINED. I sent info for XXXX or agent of XXXX to carry out a reasonable investigation of my dispute, since it was never done please investigate this account thoroughly. 

If you had investigated properly, no e-Oscar system thank you, you would have known, that not only I have never been late on this account ; but that I am not sure if some of these account are even mine - though your company claims to have " verified '' this. 

XXXX vs. XXXX, XXXX vs. XXXX XXXX XXXX XXXX, and XXXX vs. XXXX, Equifax, et al, the courts ruled each and every time that the CRA could n't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable.
Product: Debt collection

TSIXXXX {$24000.00} account reported on XXXX XXXX, 2015 OpenAccount # XXXX $ XXXXBalanceXXXX FLORIDA XXXX JUSTIOriginal Creditor $ XXXXHigh BalanceXX/XX/XXXX XXXX, 2015Opened DateXX/XX/XXXX XXXX, 2015Last ReportedIndividualResponsibilityPlaced for collectionRemarksNote : This is not my bill. I did contact the Department XXXX XXXX XXXX and was told I should not of had this go to collections and it would be removed. I t has not be removed yet
Product: Debt collection

I was a tenant for XXXX XXXX XXXX in 2015. I received notification that a balance of {$210.00} is owed to ProCollect Incorporated along with an additional {$7.00}. There was no notification of balance prior to collection. Additional information was requested to ProCollect Incorporated with no notice.