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

This company has failed on multiple occasions in the past XXXX  months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name : XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$32000.00} Account Type : XXXX XXXX XXXXXXXX XXXX : XXXX Account Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX : {$0.00} Account Type : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have a trial modification program with Ocwen for XXXX t the first payment due onXX/XX/XXXXwhich I paid onXX/XX/XXXXok I have the modification papers alll is good onXX/XX/XXXX I noticed the payment was shot bu XXXX dollars called them and notified that on XX/XX/XXXXthat I would submit the difference of XXXX dollars to be exact o me that by y .The XXXX XXXX confirmed XXXXandI actually paid total of XXXX dollars em is st systs was paid by XXXX yet there system still shows or reflects no payment made I need help please help me as I a single father with XXXX XXXX children loan # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a Validation Of Debt letter to CAPITAL ONE AUTO FINANCE via certified mail ( copy of letter attached ). It was received on XX/XX/2021 ( proof of service attached ). As of today XX/XX/2021, CAPITAL ONE AUTO FINANCE has YET TO APPROPRIATELY RESPOND WITH ANY VALIDATION OF DEBT they are claiming, but are continuing to report to the credit bureaus & the bureaus, having been notified of this violation, are continuing to allow this non validated information to be reported. This is a violation of my rights per FCRA & FDCPA.
Product: Debt collection

Cell phone bill settled when phone was returned to XXXX office. Receipt was given to me account closed and Dlversified Consultants bought the account from XXXX since about 17 months ago. Finally XXXX removed it from their system but XXXX  did not. Want it resolved as soon as possible so that my credit report can be accurate. Disputed it with XXXX XXXX andXXXX foundXXXX it was unfounded. Need to have XXXX  to remove it as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached to both : all three credit bureaus and original creditors in order to get full information whats on my file because I cant recognize those accounts All they said was as its accurate without providing me original information. Please provide me information of those account
Product: Checking or savings account

Hello, I am in need of assistance with an issue my husband and I are experiencing with Citibank. On XX/XX/XXXX, I attempted to use my debit card and it did not work. I contacted Citibank and was informed that they had blocked my account and scheduled it to be closed due to a check that was deposited that bounced. At no time was my account in a negative balance due to this check. My husbands direct deposit of {$4100.00} was also deposited and we were not able to access it. Ive spoken to Citibank several times and it seems that our account is in limbo. We are not getting any resolution and we are unable to access several thousands of dollars that we need to pay our mortgage, car payments, and to feed our XXXX young children. Citibank has advised me that the only way we can get our funds is by visiting a branch or wait for a check. Ive explained to Citibank that there is not a branch in the state of Arizona where we live and that not having access to our money is causing a great financial hardship on our family. I cant get anywhere with Citibank. In the mean time, my family is suffering financially and the stress that this issue has caused is unbearable. Ive asked Citibank to either close the account and send us our funds ASAP or make the funds available for us to use through a debit card, online bank transfer or cashing a check from this account. When I call, I get different people and none of them seem to know what to do. This is just unethical and terrible.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I submitted a new offer in XXXX with zero response and the foreclosure is XX/XX/XXXX-18. This house has been marketed since last XX/XX/XXXX and I have already spent XXXX of my money to market this home. The problem is that no one can afford the XXXX taxes which is XXXX a month in just taxes. I beg you to please consider this offer so we can close in 30 days and just cut our loses at this point. If the house goes foreclosure it is going to sit there vacant for another 2 years.
Product: Credit reporting or other personal consumer reports

These furnishers continue reporting false, inaccurate information on my credit report. Transunion continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! - Per Section 623 15 U.S. Code 1681s2 : 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. - Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. - Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my two XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, TX, XXXX Listed below are the Accounts that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Listed below are the Collections that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Public Records that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Have a collection on my Equifax credit report from XXXX XXXX. This bill has been paid directly to my physician 's office, and I was told that this balance brings my account current, and that nothing has been submitted to collections. I have never received a collection letter or phone call, plus I have no signed agreement with XXXX XXXX stating that I owe them money, and I am not going to write someone out a check with no agreement in place, otherwise I could just say that you owe me money, and if you say " no, I don't '', then I could put a collection on your credit report. I don't think it is suppose to work this way. I have tried numerous times to file a dispute, and Equifax refuses to correct this mistake. In fact, I get their " dispute has been completed '' e-mail within just a few hours of submitting a dispute, so how are they even taking the time to look into this? This collection is only for twenty-couple dollars, so believe me, if I thought I owed it, I would pay it!
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought my car insurance through Credit karma. Because my Credit Score went up XXXX points for more than a month and I have not received the points. I tried to contact them and it was impossible
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 tak timely and effective measures to prevent ar address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce 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 the violations.
Product: Consumer Loan

I had a XX/XX/XXXX chevy XXXX. I leased this vehicle XX/XX/XXXX for XXXX miles a year for 39 months. During the period of time I had this car, I had at least XXXX recalls, as well as a blown transmission only XXXX miles into the lease. Needless to say I have been disappointed. At my 36 month mark I decided instead of bringing back in for ANOTHER recall issue, as well as additional transmission issues, that I would return my lease early and ask for my last XXXX payments to be waived. I called customer service at GM financial, and I was told they could not help me, and that I needed to call GM corporate. I called GM corporate and they said I had to call GM financial. Round and round we go. 6 hours over several days on the phone and no help. I finally get a " ticket '' and was told to bring the car to the dealership, they will do a diagnostic, and my payments will be waived. I returned this vehicle on XXXX after being told by GM that if I return the car, they will waive the remainder of the payments. Please note at time of return I only had XXXX miles on the car. WELL below my lease allowance. Well, I got a kick in the face on XXXX, GM financial removes {$460.00} from my bank account for this car that I no longer have. I tried calling again, only this time to be transferred numerous times and hung up on. I was also told that " there are no supervisors to speak to, they are in meetings ''. My fear now is that not only am I out the {$460.00}, but that they will continue to charge me for 2 more months for a defective car that I have returned. I want my money refunded, as well as any future payments waived.
Product: Checking or savings account

Dear Navy Federal Customer Service, I am writing to raise two urgent issues with my account that have caused significant financial hardship and frustration. 

XXXX. Unauthorized XXXX Charges My account was debited five times for a single XXXX order. These duplicate charges were unauthorized and completely unexpected. This error drained my account and put me in an extremely difficult financial situation. 

I contacted Navy Federal customer service immediately upon noticing the issue, but no action has been taken to resolve it. Despite my attempts to explain the situation, I have received no help in reversing these erroneous transactions or addressing the financial burden caused by them. 

XXXX. Unfair NSF Fees As a direct result of the unauthorized XXXX charges, my account incurred multiple non-sufficient fund ( NSF ) fees. These fees would not have occurred had my account not been improperly debited five times for the same transaction. It is unfair to penalize me for an error I did not cause and reported promptly.
Product: Mortgage

I contacted PHH Mortgage to do a refinance of my mortgage. After collecting some information from me about my mortgage, PHH mortgage specialist XXXX told me she could lower my interest rate. The rate would change from 5 percent to 2.75 percent. Then she proceeded to tell me that I had a modification on my current mortgage that extended the terms of my loan to 40 years. So if she proceeded with the refi to lower interest rate from 5 percent to 2.75 percent, my mortgage would only decrease by XXXX dollars. I then contacted PHH mortgage and spoke with another person who told me I only had 15 years left on my mortgage. PHH refuses to allow me to lower my interest rate, I wonder how many other minorities loan holder are treated this way, I spoke with mortgage company on XXXX or XXXX XX/XX/2021.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 
Account nameXXXX  XXXX open XXXX # XXXX {$260.00}, Account name XXXX XXXX on XXXX {$25000.00} # XXXX, Account name XXXX XXXX XXXX XXXX ON XXXX {$110.00} # XXXX, Account name XXXX XXXX XXXX open on XXXX {$200.00} # XXXX, XXXX  XXXX  {$12000.00} # XXXX open on XXXX has violated my rights. 

I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

My checking account was restricted due to business funds being deposited in a personal account however the fund are verified funds. After providing verification of funds capital one bank continues to restrict my account. Proof of business attached hereto.
Product: Credit reporting or other personal consumer reports

XXXX XXXX bill XXXX XXXX sent full account to Experian XXXX refused do boosts on credit XXXX faked addresses and more does not listen written documentation or by phone sending tons redo this or type this not your ideas and your idiotic perspective on my credit data. Tons of it. Even sent full list employment with dates addresses nonstop. Department of education loved deleted all credits data schools and dictated what they think opinion of colleges. Not facts, received XXXX fraud transcripts then dictated colleges are inefficient to all and incompetent to all. XXXX XXXX XXXX, XXXX Iowa XXXX Iowa, Iowa XXXX XXXX so much more.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following collection account and credit inquiries are all fraudulent and not my accounts or credit inquiries: XXXX XXXX XXXX, $XXXX.XXXX, XXXX XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX-Iowa XXXX, XXXX/XXXX/XXXX and XXXX XXXX/XXXX, XXXX/XXXX/XXXX. I been receiving harassing and threatening phone calls of profane and vulgar language, threats of jail, prison and violence from Credit Collection Service Representatives which is a violation of the Fair Debt Collection Practices Act (FDCPA)under Federal and State law. Credit Collection Service is in violation of the Fair Debt Collection Practices Act.
Product: Checking or savings account

I visited the Wells Fargo branch office on XX/XX/XXXX, regarding four Saving Deposit certificates I found in my father 's safe deposit box. These are the original certificate and I am the joint owner XXXX XXXX XXXX XXXX XXXX ). He recently passed away and my name is also included on the certificate, and I needed to know if or when the certificates were cashed in. I have the original certificates. I also reached out to their XXXX XXXX XXXX, and still did not get an answer whether the certificates were cashed in or still active. Both the branch and the XXXX XXXX XXXX informed me that there aren't any records on these accounts and there is nothing they can do. The certificates were originally opened at XXXX XXXX XXXX on XX/XX/XXXX, which XXXX XXXX XXXX were bought out by XXXX XXXX and the last buy out was Wells Fargo. I was told by both departments that they only keep records for only seven years, and I should check with the state of Florida regarding unclaimed funds. I did go to the state 's site and nothing was there. My problem with their answers is that they must have some type of film or archive files that took place well over seven years. I refuse to believe that a company that size would destroy everything in the past seven years, especially when they have merged with so many financial institutions. I need these certificates researched with a legitimate answer.
Product: Debt collection

National Commercial Services is constantly calling my phone about a debt that I am not legally responsible for. They making  me crazy by calling my phone every hour. They are also sending letters to my fathers house, who has nothing to do with the debt. They are to pretending to be the Department of safety and claiming that they are going to suspend my license. Please help.  National Commercial Services is driving me  insane.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, WA XXXX TOLL FREE : XXXXXXXX MONDAY-FRIDAY  XXXX TO XXXX PST XX/XX/XXXXXXXX XXXX-Account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Original Balance : {$86.00} Current Principal : {$86.00} Interest Due : {$0.00} Total Due : {$86.00} ORIGINAL CREDITOR : XXXX XXXX PLACED FOR COLLECTIONS ON : XX/XX/XXXX XXXX XXXX XXXX Genesis understands you claim the alleged debt is the result of fraudulent activity.

In order for us to investigate your claim, please provide the following : Proof of where you resided during the alleged fraudulent lease, such as a copy of your lease/property tax statement/mortgage statement/utility statement. You may be asked to provide more as needed. If these items are in anothers name than provide with the item a notarized affidavit of residence where that person affirms that you lived with them at that time.

A clear and legible copy of your driver 's license. ( front and back ) A filed police report with report number documenting the crime.

That references the unit in your name.

A copy of the FTC complaint notarized on the signature page with a physical signature witnessed by notary. ( www.ftc.gov ) Once all documents are received, reviewed and if verified as valid, the account will be closed, and all data furnished to credit bureaus will be deleted.