23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I was reviewing my credit report and saw that Resergent/LVNV had placed XXXX accounts from XXXX  XXXX in collections which is having a negative effect on my overall credit. Please note that I have never been contacted by this company and since XX/XX/XXXX, Ive had my debt consolidated, renegotiated payments and balances with XXXX  XXXX and have made on time payments from that date until now, which I have proof of. This is horrible that this company is using this unfair tactic of no contact with consumer, no proof of anything, and placement of false information on my credit report.
Product: Mortgage

I applied for a mortgage loan with  HSBC  and also I am approved for grant money form  XXXX   XXXX   County.   My closing date was  XXXX / XXXX /  XXXX  , and We did n't close because HSBC Bank could n't finish and send the correct information to  XXXX   XXXX  County. My realtor negotiated and extension, so the new closing date is  XXXX / XXXX /  XXXX  . For that to happened  XXXX   XXXX  County had to receive the documents last Friday  XXXX  they did n't receive it. Today  XXXX   XXXX  County received the documents but they did n't have all the information required, and also HSBC Bank asked for documents that I already sent to them, but I resend them anyway and ask them to hurry up.  XXXX   XXXX   County  need from HSBC a receipt from the appraisal, a correct form  XXXX , a correct form  XXXX , the home insurance amount to be corrected. Also the seller needs a commitment letter form HSBC bank for a new extension for the closing to be file. Please help if I do n't close I will lose my grant money!!!
Product: Credit reporting or other personal consumer reports

I am writing in regards to Transunion sending me a copy of my credit report today. Which I did not ask for. The adverse accounts they are reporting are still inaccurate. Transunion is reporting incorrect dates of negative items being opened. I would also like to mention that Transunion is also committing the crime of identity theft. Transunion has to have my written consent to be reporting these negative items under law 15 USC 1681B Permissible Purpose. Which I have never provided Transunion or any other credit reporting agency. With written consent. Transunion is reporting incorrect dates of negative items being opened. From XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. There has to be maximum possible accuracy on my credit report under law 15 USC 1681 e ( b ) The dates opened are incorrect and I want these items removed immediately under the law I stated., Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Hello, This inquiry is on my credit report that was pulled without my knowledge for a morgagte with XXXX XXXX I would like this removed as well as I did not receive a loan from this company and do NOT have any morgagte loan at all so I did not receive anything from this company and they are on my credit report and I have no business with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited tohold you accountable for your willful noncompliance XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXX ( Original Creditor : XXXX NC ) XXXX Balance : {$300.00} ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  credit card company agreed that I would not have any fees of any kind. Then in XX/XX/XXXXthey reported XXXX late and dropped my credit score from XXXX to XXXX for a fraudulant charge that did not belong to me at all. I contacted XXXX XXXX and they are not doing anything about it. This is not fair to me and they know it I also canceled that card and demanded my credit score be returned to XXXX but they both just shine me on! and Iam extremely upset as I have been busting my XXXX to get a good score and XXXX XXXX   knows this! I will seek out an attorney if neccisary Thank You XXXX XXXX
Product: Credit card

under XXXX has charged me {$88.00} for nothing provided to me.Theybill it as a rewards benefit -- various fees etc.First bill was for XXXX the next for XXXX which incuded {$16.00} for a r4eturned item. I requestted them to cancel my card -- instead they are piling late fees and have ruined my credit
Product: Debt collection

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( XXXX ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am seeking urgent assistance in addressing a critical matter. Upon reviewing my credit report, I observed an inaccurately listed entry under the collections section. I previously sent a letter to XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), seeking validation of the alleged debt associated with account # XXXX. Unfortunately, I have not received sufficient evidence to confirm the legitimacy of the reported debt. While they provided a document indicating the balance, it falls short of establishing my obligation to this amount, as I have no record of such a debt with this company. Despite my efforts to obtain validation from the collection agency, I have faced challenges. Therefore, I kindly request that you thoroughly verify the accuracy of the information pertaining to this account. Additionally, I seek details on the verification procedures you employ, including the identities and contact information of the parties you consulted for verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion about an error of a public record for a bankruptcy reporting from their agency. I told transunion that I wanted to dispute that information, and that I had never filed bankruptcy and that there was no bankruptcy reporting on my other credit reports and asked that transunion re- verify that information and provide me with the method and source of that information. I also contacted the courts in my state and the court stated they had no such records and that they do not give that information to credit reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX never gave XXXX any written consent to report anything on my consumer report. No consent is Identity theft. A copy of the law is attached with this dispute letter.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity fraud I have had my social security breach of me and my XXXX minors resulting in fraud activity IRS had put me in high security protected password for lifetime as a result to protect me in future asking to get help with this new fraud as I just seen it was recently placed and wasn't me. I have no knowledge of this dept I been taking all steps to prevent hackers as my info was leaked /breach dark web. Please help assist by removing it from my credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX is alleging that I owe them a credit card balance. Upon requesting a debt validation and verification. They failed to provide me with any information, instead they are requesting i send them personal information. 

XXXX. XXXX XXXX XXXXXXXX # XXXX is alleging I owe them on a credit card balance that went to charge off. I never made any payment as I was unaware and this account was opened fraudulently. Upon requesting debt validation, verification, signature of where I signed this alleged debt. They failed to produce any information. 

XXXX. Home depot/citibank XXXX XXXX is alleging I owe for a chargeoff. Where I have no knowledge. Upon requesting for debt verification and validation. They failed to produce any proof. The following accounts are not mines. And I want them to be deleted from my credit bureau.
Product: Debt collection

I received services from a medical group. The claims were paid by my health insurer. A year & a half later, TSC, a collection agency, billed me full charges for the claims, plus interest and penalties. I disputed the claims. I sent TSC a letter with a report from my health insurer 's subrogation company that verified that all claims had been paid by the insurer. I sent this certified mail with return receipt. The letter asked TSC to substantiate its requests for payment with written, itemized claims documentation. TSC has not provided any written, itemized documentation to substantiate the claims, but has continued to robocall my home & cel phone, send erroneous bills, demand payment with penalties and interest, and threatened legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In    XX/XX/XXXX  Equifax and  XXXX  placed a collection item on my credit report that is not my account. I filed a complaint with both companies and the item was removed in  XX/XX/XXXX  by both companies. The item was then again placed on my account in XX/XX/XXXX  without my being informed as required by law.
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I once again disputed this item and XX/XX/XXXX removed it but although I have filed two disputes with Equifax, the last being  XX/XX/XXXX , they have NEVER responded. My credit rating has dropped from   XXXX   to   XXXX  !!!!!!!!!!!!!!!!!
Product: Credit card or prepaid card

In XXXX XXXX, U.S. Bank opened or allowed to be opened a premier line of credit ( account number ending in digits XXXX ) without my permission, consent, or signature. Attempts to address this issue with U.S. Bank resulted in a harassment call from an attorney in their fraud department ( contact was from XXXX, call dated XXXX/XXXX/XXXX @ XXXX ). 

I also visited a U.S. Bank branch on XXXX/XXXX/XXXX ( XXXX XXXX, MO branch - manager XXXX XXXX ) and inquired to see a copy of the original application for credit. I was informed that despite my name and personal information being attached to this line of credit that U.S. Bank would not provide a copy of the original application for credit unless required to do so under subpoena. 

U.S. Bank has been completely unhelpful and are acting solely in their own interests after it appears they engaged in illegal and fraudulent creation of a credit line using my personal information.
Product: Credit reporting or other personal consumer reports

I received my early warning report and XXXX XXXX XXXX has violated my privacy rights by reporting personal transactions to my early warning report. My checking agreement states that they would not sell are give my information to any 3rd party affiliates and Early Warning services is not a part of XXXX XXXX. I counted 44 transactions reported and that's 44 violations that I ' am seeking damages. My account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to delete the following items in my file immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

went to use my Chase/XXXX credit card and found out the limit was cut without any prior notice. I have two credit cards with Chase and have never missed a payment in over 7 years since the inception and on one of the cards I pay the balance monthly and do not carry a balance. On the other card - I carry a balance that is about 60 % of the limit and always on time as I mentioned and now they cut the credit limit to the balance I owe, which will now hurt my credit score as it appears I am using 100 % of my limit and jeopardizing my whole credit situation/profile as I can not pay that debt in full or down to an acceptable limit and the 'lending department ' had no clear answer and I have to call back repeatedly. Very frustrating.
Product: Credit reporting

A collection account was added to my credit report in early XX/XX/XXXX. I believed the account to be inaccurate so I disputed the account with Equifax. Subsequently, the account was deleted from my report in XX/XX/XXXX. In XX/XX/XXXX, the same collection account for the same balance was reinserted on my credit report with no notice to me, as required by law. Please investigate this account. The attached documents show the collection account ( XXXX {$500.00} ) as currently listed on my credit report and as it was deleted in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$66.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2021 Reference # : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NORTH XXXX, FL XXXX XXXX EQUIFAX Report Number XXXX I AM DISPUTING THE VALIDITY OF THE INQUIRY. None of these inquiries will have my signature on file and unless the company can show a hard copy with my signature, I ask that these inquiries be removed, and an updated report be sent to me.
Product: Debt collection

transworld systems is trying to collect money without telling me what company, date or what I bought file # XXXX. I always pay bills so this is suspicious
Product: Debt collection

I received communication on XX/XX/2024, XX/XX/2024 from Midland Credit Management threatening to sue me for a debt allegedly owed. However, despite this threat, I have not received a summons or any formal legal notice regarding this matter. This action by Midland Credit Management is a clear violation of the FDCPA, Which prohibits debt collectors from using false, deceptive, or misleading practices in connection with the collection of any debt. By Threatening legal action without following through with a formal summons, Midland Credit Management is attempting to intimidate and harass me, which is unacceptable under the law. I request for an investigation for this matter urgently and take immediate action against Midland Credit Management.to ensure that they comply with the FDCPA.
Product: Debt collection

I never opened a XXXX  account. I asked this collection company to show me the wet ink signature and contract also to verify his license to collect in my state. This company only has sent me statements and has not proven this debt to be mine. I gave them 30 days to substantially validate and verify this to be mine. They have not and it's my right to be provided the evidence of said debt per fair credit reporting act. This is not my debt. My identity has been messed with. Please force this company to comply with federal law.
Product: Credit reporting or other personal consumer reports

Portfolio Recovery Responded on XX/XX/XXXX via Complaint # XXXX which I submitted on XX/XX/XXXX via CFPB Portal .

Again this debt is not MINE!!

Your company did not send me the initial letter as you stated which is the first violation of many Section 1006.34. I requested PROOF and yousent me NOTHING!!!!!! 
I am now submitting that my income is XXXX and I will attest to this that I have not worked at all in the past 60 days. I am insolvent .The only aid I receive is via XXXX Assistance from the XXXX XXXX XXXX . XXXX cash from any agency on any level. 
You have worsened my condition over the last 30 days! I will not be discussing finances anymore with your agency that I do not have. You have a littany of FCRA and FDCPA violations and I will complain how I have been treated for such a very long period of time and I will complain to whoever will listen and provide the News Media, Attorney G, FTC and anyone else who will listen with this large stack of paperwork that I have attained due to your companys egregious behavior, if you do not remove this information. I was admitted into XXXX of XXXX XXXX XX/XX/XXXX for XXXX days with XXXX at its inception in this area. 
I am not able to function at all XXXX XXXX XXXX  the way I did before my illness. Portfolio is making things much worse now. 

XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Under XXXX U.S. CXXXX XXXX ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 



XXXX U.S. CXXXX XXXX ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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.
Product: Credit reporting or other personal consumer reports

I WANT THESE INQUIRES DELETED BECAUSE I DID NOT AUTHORIZE THESE COMPANIES TO RUN MY CREDIT, THAT IS FRAUDULENT
Product: Money transfer, virtual currency, or money service

Fraud charges/unauthorized charges were made on my Venmo account. 

Dates and amounts of each transaction : XX/XX/2021 {$29.00} XXXX ; XX/XX/2021 {$0.00} XXXX ; XX/XX/2021 {$260.00} XXXX XXXX ; XX/XX/2021 {$5.00} XXXX ; XX/XX/2021 {$9.00}. 

Ive not given anyone permission to use or to access to my account. 

Additional Information : I live in XXXX, North Carolina. The day that these 5 charges occurred started soon after I placed an order with XXXX  in Washington DC to have groceries delivered to my sister. I have not used XXXX  in years probably and had to link my Venmo to make the purchase. I didnt even have the app on my phone anymore to give you an idea of how long its been. The order was being shopped when my sister needed me to change the address I provided. I changed the address, and the shopper then canceled the order. I then was assigned a new shopper who completed the order. Several hours following the delivery of the groceries is when the fraudulent charges occurred on my Venmo account. Three out of the 5 charges occurred during the middle of the night while I was sleeping. The email notifications came in the middle of the night, example, email time stamp is XXXX for the XXXX charge - the purchase time within the email is XXXX because the purchase is in Washington State - a different time zone then mine! I believe these fraudulent charges are somehow linked to my purchase through XXXX. Somehow my information was breached. 

I woke up in the morning to find the email notifications about charges made. Venmo makes it extremely difficult to figure out how to file a claim. I had to XXXX it because I couldnt find it on the app, not even through their articles full up tips. I then had trouble figuring out how to disable my account and in the meantime, 2 more fraudulent purchases were made. 

Reason for denial of disputes from Venmo : My account shows several payments received from other accounts during the time of the disputed claims. That logic is completely inaccurate. XX/XX/XXXX and XXXX is when the fraudulent charges occurred. The payments received in my account were XX/XX/XXXX and dates earlier. Despite this, Venmo is an app intended for sending and receiving money. 

These fraud charges were not investigated thoroughly and I want a resolution and my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against Equifax only. I am in the beginning of my first time mortgage/homebuying process and I have to remove the dispute comments from my Equifax credit report. XXXX and XXXX have done it within 24-72 hours but Equifax is taking 30 days and they told me that there is no way to expedite it which is absolutely false. Equifax has a expedited dispute service that they offer, they just did not tell me about it and its for a fee. I am trying to obtain the American Dream, and Equifax is making it very difficult for me to do that plus they have bad customer service. I do not feel that I am being treated fairly as a consumer especially in relation to the other credit bureaus which act promptly in making sure my credit score is accurate and up to date. It should not take 30 days to delete the word " dispute '' from the comments of a 3 accounts on my credit report, and if it does take 30 days then that there is a problem within itself. Mortgage timelines need to be taken into consideration, Equifax does not care about anyone but themselves.
Product: Mortgage

In the month of XXXX 2021, I began the process of refinancing one of my properties. I wanted to facilitate the process and continue using Sun West Mortgage Company Inc. ( XXXX XXXX ) The first person I spoke with was XXXX. He told me that it was going to be an easy process. My rate was locked at 2.8 %. I provided the required documents, then XXXX began to handle the loan. After several weeks my brother and I began signing several automated documents on XXXX '. We were also made to pay {$500.00} dollars for an appraisal. For several weeks we were avoided and my phone calls or emails were not answered. I tried calling different numbers from Sun West and it seems that every single person I Spoke with was a " manager '' but they could not resolve any issues. I also submitted documents to the underwriter XXXX XXXX just to be told that they would NOT be accepted. so why ask for them in the first place? They had problems checking my brothers income for technical reasons on there behalf. I also paid off all my debt even my student loans and on that day my loan was canceled. I filled a complaint with the XXXX  After Sun West received the complaint another agent from the bank called me trying to help expedite the loan and asking for more documents which I sent. One week later they called me back saying that because the loan was cancelled and without my consent my new rete would be 5.5 %! why do we now qualify? It has been about 8 months without resolution. I have not contacted an attorney in regards to this matter but I want to start that process. I encourage attorneys to reach out to me in this matter for input. All this has taken a toll on my mind and health not just on me but for the rest of my family. We seek compensation for damages on many levels. I want Justice done ASAP.