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

On XX/XX/year> I pulled my credit report and I was shocked at what I discovered. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g, I am entitled to be informed of my rights regarding this alleged debt, including the right to receive verification of the debt within 30 days. I have not received proper validation or verification of this debt, and I request immediate compliance with the validation requirements set forth by federal law. Any failure to provide accurate validation will be considered a continued violation of 15 USC 1692g.

Additionally, I suspect that these debts may be a result of identity theft, as I have no knowledge or record of these accounts. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request that any fraudulent accounts be removed from my credit report. Therefore, I am formally disputing this debt and requesting that your agency provide the following documentation : A copy of the original signed agreement or contract establishing my responsibility for this debt. Documentation showing all activity on this account, including any payments made.

Identification details used to create or establish this debt to ensure it was not done fraudulently. 
Please cease all collection activities on this account and notify any credit bureaus of my dispute. I expect a written response confirming the resolution of this matter within 30 days, as stipulated by law. Here are the accounts in question : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX different occasions I have submitted a dispute via mail to have XXXX accounts on my Transunion report removed due to inaccuracy. I requested to be notified with proof of verification on how the companies responded. After the XXXX dispute was completed I received the generic results from Transunion stating the accounts were verified with no proof. So I resubmitted them and received a letter stating they would not reinvestigate. These accounts were removed from both XXXX and XXXX due to inaccuracy but Transunion is denying me the proof I have requested as well as refusing to reinvestigate which is in violation of my consumer rights.
Product: Debt collection

I owe a bill with Synchrony Bank. I was paying on time until I was unable to pay and I called to tell them and agreed to pay when able. I couldnt pay cause my mom was losing her house and went into ICU do to XXXX XXXX. They put it on my credit report anyway. They sent papers to my home and I called the rep. and they said it was paused. I told the rep I will pay, but was on XXXX and wasnt working. 
Now I have a judgment filed against me without them even reaching out to me. I just talked to a rep. last month and I agreed to pay what I owe. She told me that would not work for them. Now I have this judgment. This is not right. After covid they are bullying me when I kept in contact the whole time. They lied to me. I just started back working the end of XXXX XXXX. My house note is XXXX behind and doing my best to catch up. Please see attachment for date and amount. Thank you
Product: Money transfer, virtual currency, or money service

I recently tried to purchase concert tickets from someone selling them online through XXXX. The XXXX hanlde of the seller is @ XXXX. I sent them {$450.00} through XXXX, an online banking transfer company that is directly connected to my bank, Chase. The seller is using the email XXXX through XXXX to accept the scam payment. 

The seller claimed to have transferred the tickets through XXXX to my email associated with my XXXX account but I never received them. The XXXX order confirmation number that the seller gave me is # XXXX. The original email that the seller used to purchase is XXXX ( or XXXX or XXXX ) and the original ticket order number is # XXXX. The last 4 of the Visa credit card used to purchase is XXXX. 

I contacted XXXX, Chase, and XXXX. All companies said there was nothing they can do to help me get my money back. Chase and XXXX stated that they had no way of canceling the payment even though it was still pending when I attempted to cancel. They both told me that there is no fraud or scam protection that they can provide on these types of payments.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate information on my credit report, leaving inaccurate or unverifiable accounts unresolved. 
the consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumer of dispute outcomes.these failures align with my experience, where Experian has neithe corrected no removed.disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesthing immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports :
Product: Debt collection

I am not liable for this debt of {$260.00}. With XXXX XXXX XXXX Account number XXXX. I never had a contract with this debt collector for any debt. They did not provide me proof of the original contract as I requested and proof of my wet signature and ID verification and also did not provide me proof of purchase agreement as I requested. To show full ownership is such account and also other documents so I may review to see if this is actually an account that belongs to me.
Product: Debt collection

I had receive a letter dated XX/XX/XXXX from XXXX XXXX XXXX acting in behalf of XXXX XXXX XXXX, XXXX ; disputing XXXX XXXX XXXX charges for the amount of {$1000.00}. 
This account has been filed and solved on XX/XX/XXXX with the Consume Financial Protection Bureau, with reference number XXXX. 

First of all, this polemical disputed derogatory charges from XXXX XXXX XXXX has been disputed many times with several other creditors. After, disputed such inaccurate charges with XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XXXX, based in the findings subsequently such derogatory information was deleted by those creditors from my credit profile. 

Now, XX/XX/XXXX XXXX XXXX XXXX is persecuting me again for services that I have had never provided by XXXX XXXX XXXX. My personal profile has been jeopardized multiple punishments for the same issue by the missteps of all those collection agencies. This aforesaid derogatory disputed account, it seems that has been transferred or sold amount collection agencies. 

XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, must cease and desist with this multiple jeopardy persecution and punishment for the same issue that previously has been solved. 
The aforementioned derogatory charges from XXXX XXXX XXXX are services that I have had never solicited nor provided by XXXX XXXX XXXX. 

This is a matter that has been on and off for the last nine ( 9 ) years and needs to stop the harassment over this controversial issue immediately.
Product: Checking or savings account

On XX/XX/year> I received an email stating a new notice was posted to my account. I go into my account to see my account was over drawn XXXX I called the branch location number near me which was located XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I was unable to reach anyone at the physical branch and ended up getting a call center representative, after being placed on hold several times being told incorrect to little information, I decided to leave my job and step into the branch ( located above ) and spoke with XXXX. XXXX then calls to get more information regarding the negative balance and told me it was a check. Me being distraught and confused I asked her to explain more, she told me she would go get her branch XXXX XXXX XXXX. XXXX XXXX steps in with no XXXX, and explained to me it was a check deposited and withdrawn. She then proceeded to ask me if I ever cashed the check and received money. I explained to her Ive NEVER cashed or received a check. I then tell her to check every camera and full proof that I never chased a check. She explained to me that she would do some research and call me back that same day. I missed her call which was after 5 and called her back several times the next day. Finally after the first conversation of that next day we talk a second time, XXXX explains to me that chase in Layman terms, is holding me responsible, that it is my responsibility to replace stolen cards ( which I did replace ) and to keep my pin safe ( Which I always have ) I was then pushed off to a claims department where no one was able to assist me, I was transferred 5 times having to explain that the signature used, wasnt mine, the check issued, I had no knowledge of, also having to explain there is NO documentation of a check being deposited into my account. I lost my card in XXXX and replaced it IN XXXX. The check was cashed using a debit card ( I cancelled ) in XXXX which was when the check was deposited and cashed. Chase has stated they will not be doing anything regarding this matter and before pushing me off also didnt fail to make me feel like all of this, is my fault. I have not been able to get anywhere with this matter and lost all of my money in the process.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Equifax 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 a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX, XXXX XXXX  XXXX opened XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the above mentioned fraudulent items. I do not recognize the above mentioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, 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 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 or other personal consumer reports

I have previously disputed ( XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXXXXXX ) With you. And i NEVER received a response, you previously verified the item as accurate, stating that you have verified this information with the court and XXXX XXXX. I contacted the court, and XXXX XXXX their response is enclosed. It is clear they do not report to you or any credit bureau for that matter therefore, your initial response verifying the item with the court was either an error or a lie. Either way the reporting requirements do not comply with FCRA {$610.00} ( 15 U. S $ 1681I ). Also, I was told that this information was giving to you by XXXX XXXX please see attached document from XXXX XXXX stating that this information in unverifiable. And the information must be deleted immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  inquiry made not by me in XXXX no contact info listed XXXX inquiry made not by me on XXXXXXXX XXXX XXXX inquiry made not by me XXXX XXXX XXXX  inquiries not by me on XXXX XXXX inquiries not made by me on XXXX Fairway Ade inquiry made not by me on XXXX
Product: Vehicle loan or lease

Contacted the collections dept XXXX seperate times on XX/XX/XXXX due to being in XXXX of the XXXX counties under a state of emergency due to XXXX XXXX that ravaged the state. 

The XXXX rep was rude and told me my zipcode wasnt on the list... um excuse me!? XXXX XXXX as a whole is under a state of emergency so zipcode is irrelevant XXXX rep begrudgingly offered me a XXXX month extension and asked questions such as " how much are u losing and whom do u work for? '' I fail to see how these questions are relevant XXXX rep I spoke to hung up on me after I asked to speak with a XXXX based agent and the XXXX afent decided to be rude and unprofessional when I called them out for not asking permission to place the call by saying " well u were talking n i didn't have the chance '' Then Supervisor XXXX pretty much blew me off and muted her line until I got frustrated enough to hang up
Product: Debt collection

This bill was paid by a XXXX insurance that I had that with that company at the time. Once they finished paying the Conn 's I received a letter that it was paid in full. However now XXXX XXXX XXXX is now calling me after I sent them this information and then called them about this are calling me non-stop at least 3 to four times a day. each day from XXXX to XXXX I get at least XXXX phone calls. This is a harassing calls I have asked them to stop but they continue to do the same thing.
Product: Debt collection

THIS COMPANY IS WELL KNOW FOR SCAMMING PEOPLE. THEY ARE REQUESTING {$3700.00} FOR BANK OF AMERICA. I HAVEN'T BEEN INVOLVED WITH BOFA FOR MORE THAN 20 YEARS AND NEVER EVER HAD BAD DEBT WITH THEM. XXXX XXXX XXXX IS A HORRIBLE SCAMMER, PULL THEIR INFORMATION FROM XXXX XXXX XXXX, AT LEAST TRY.
Product: Credit reporting or other personal consumer reports

Them account from pentagon federal shouldnt be on my credit report and should be removed.
Product: Debt collection

Continuous robo calls using different phone numbers with the same or similar message : '' This call is solely intended for XXXX XXXX. If you are not XXXX XXXX, please hang up now and disregard this message. File number XXXX, ( or a variety of other numbers ), which was placed with XXXX or XXXX XXXX XXXX has been escalated to our final review department due to the lack of response from the required respondent. A full review of this file is being conducted by one of our loss litigation specialist and a recommendation of action to our client is imminent. In order for your personal statement to be included in this review press XXXX ( or XXXX ) now to speak to the representative responsible for conducting the review, or call us at XXXX ( or XXXX, XXXX and other phone numbers ), immediately upon receipt of this message. Failure to respond will result in a recommendation being submitted to our client without your personal statement being submitted. " These calls come from a variety of phone numbers with area codes from mostly XXXX, and XXXX. 
I am not XXXX XXXX, and have never heard of Halstead Financial Services. These calls seem to come in " batches ''. I receive these calls several times a day from different numbers, for several days a week and then wo n't receive a call for maybe a week, then it the cycle starts again. I have deleted many of the calls or messages, but what I did save goes back to XX/XX/XXXX. 
These calls are mostly to my cell phone, but a few have been to my home phone also.
Product: Checking or savings account

Wellsfargo XXXX vehicle was repossessed due to freeze on account
Product: Debt collection

XXXX did not delivery for 6 months after tank empty. Company contacted number of times. No amount due on account. Obtained survice from another company. Other company installed tank and moved XXXX tank next to road for pickup. 

I informed XXXX at time of switching service leaving message on their phone. I informed delivery truck when it arrived and again asked to pick up tank. I spoke to XXXX a number of times on phone. 

I am continuing to receive tank leasing bill, not from Radius Global Solutions LLC
Product: Mortgage

I called my mortgage company about what was needed to remove pmi and I was told that my loan to valu ratio needed to be below 80 % for pmi to be removed. I then scheduled an appraisal through Roundpoont Mortgage ( my lender ). The appraisal came back at 79.5 % but the pmi removal was rejected for reason that the loan to value needed to be at 75 % or below. This was obviously different that I was originally told so I called and a manager listened to the call recordings and she confirmed that I was misinformed but they still would not honor the pmi removal. I feel that this issue was unfair to the consumer and that the pmi should be removed.
Product: Payday loan, title loan, personal loan, or advance loan

This company went out of business in XXXX but expects customers to keep paying though they did not complete service. I have contacted them and sent a Demand Letter stating they are in breach of contract for not fulfilling sales agreement. They stated a guarantee that if they could not complete service you will not have to complete payment. The company has been taken over my Healthcare Finance Direct. I put a stop payment through my bank for XXXX XXXX, a couple months later Healthcare Finance Direct withdrew the XXXX months from my account. I contacted my bank to find out who the service was to find out it's the company trying to continue collection. I have spoken and written to them and they say continue paying or you will go to credit. I asked my bank to stop payment to Healthcare Finance Direct then I sent a Letter of Demand. The day they responded to my Demand Letter they billed my account for XXXX transactions. I have written them again stating please no longer bill my account and send me to collections. I am not certain what to do but there are many people who they have done this to. I did not complete treatment and I now have to go to a XXXX  to fix an issue with my bite that wasn't there before.
Product: Checking or savings account

On XX/XX/year> my personal checking account # XXXX at Regions Bank was unilaterally terminated without any prior notice or explanation. Despite many attempts to obtain clarification from the bank, I have not received any acceptable response. This has caused significant distress and uncertainty regarding my financial standing at Regions Bank. I attempted to transfer funds from another account and was obstructed. This obstruction seems to be preventing clients from conducting transactions other than those that benefit Regions Bank. I do believe Regions has assumed it is a joint owner of my account based on its actions. This confusion has raised serious concerns about the management and security of my funds. 

Furthermore, I am concerned that Regions Bank may be unable to meet its obligations to depositors and creditors. The value of a bank account is not solely reflected by the current balance ; it can also include other factors such as accrued interest, pending transactions and ant investments linked to the account or profit generating schemes such as fractional reserve banking. Very disturbing regarding the security of my account. 

Regions Bank has used my service agreement to restrict certain actions or limit my ability to transact on my personal account. This agreement is not valid because of behavior that amounts to breach of trust, breach of fiduciary duties, insolvency, false advertising, identity fraud, and deceptive practices.
Product: Debt collection

Mountain Run Solutions is reporting the wrong amount owed. I contacted the collections agency in writing and by phone but could not resolve the issue.
Product: Mortgage

Our mortgageincreased to {$1600.00} at the beginning of the year. I made XXXX escrow payments. One on XX/XX/XXXX for {$610.00} and one on XX/XX/XXXX for {$770.00}. Rushmore has not reduced the amount due for our mortgagepayment. Our reduced mortgagepayment should be {$1500.00}. We reached out to customer service on XX/XX/XXXX. We were told to fax over proof that we paid the escrow. We faxed over proof on XX/XX/XXXX We have yet to receive a response. Rushmore does not have a customer service representative to speak to over the phone. Everything is automatic. We reached out a second time on XX/XX/XXXX and got the same response to our original message.
Product: Mortgage

The J.P. Morgan Chase Hamp Modification Executive Office in XXXX, Ohio is stonewalling me by not completing my resolution for a XXXX Lien Modification. They have been claiming for 4 months that the U.S. Treasury has not given them my correct address based on the information received from my XXXX lien holder XXXX, which did grant me a XXXX lien Hamp modification. They are lying, using the cover of " government inefficiency '' to accomplish their goal of trying to make me give up on this process. The Chase # is XXXX XXXX. Please! I need help. Thanks. 
Committee
Product: Credit reporting, credit repair services, 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 a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. 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  XXXXXXXX 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 Inquired on XX/XX/2021 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing this complaint because after checking my credit report in XXXX I sent Experian a letter with all the the information that did not belong to me along with proof of identification. 



ACCOUNTS : 1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX  XXXX XX/XX/XXXX They have completely ignored my request and have removed anything from my credit report. Nor have they responded to any of the mail I have sent them on more than one occasion. 

Can you please have them update my credit report with the correct information. I filed a new FTC report because I could not find the old one. 

when I spoke to representative of Experian they let me know that I needed to attach that affidavit to this complaint.