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

I am starting the process of buying a car as my current vehicle has started leaking oil and I am trying to get a safe and reliable vehicle for myself and child. I decided to pay XXXX for a subscription so that I can start to shop and get the best rate possible. I noticed several inaccuracies, and accounts that I do not recognize including inquiries. 

I have requested several times for proof. These bureaus have failed to provide me with a copy of any viable evidence, bearing my signature, showing these accounts are mine and being reported accurately. I am referencing to Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... .promptly DELETE all information which can not be verified.

I receive a response back that the information is accurate and the bureau will then update my report still reflecting inaccuracies without ever supplying me with any proof. Who verified the inaccuracies? I have a right to this information so that I can follow up with them directly referencing Section 611 ( a ) ( 7 ) They are in violation of Federal Law by allowing these unverified accounts and items to remaining my credit report. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that the information is not only mine but is also accurate.

How is this fair? I have tried several times through written mail, phone calls and using their online systems. I honestly do not believe that a person is even looking at my requests let alone investigating my disputes thoroughly.

Finally, In accordance with the fair credit reporting act 15 USC 1681, my rights have been violated and these accounts continue to negatively affect me. I am starting to feel despair because I feel like I am being bullied by the CRAs and that they are counting on the fact that a single individual may not have the time or resources to resolve these issues.

I am not typically a confrontational nor litigious person. For months I have let this go as I had given up and just accepted the fact that I will have to deal with this. However, I realized that laws are made for a reason and are there to safe guard and keep in line for fairness and equality.

The law is very clear as to the civil liability and the remedy available to me ( section 616 & 617 ) if these companies continue to disregard and fail to comply with Federal Law, I fully intend on pursing litigation in this matter to enforce my rights under the FCRA
Product: Debt collection

This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The CAINE & WEINER XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 

CAINE & WEINER XXXX
Product: Mortgage

My mortgage is with Chase Bank under loan number XXXX. Most recently, I asked them to provide the refinance paperwork ; however, when asked them to provide the refinance paperwork, they responded that they had no idea what I was asking. I refinanced because the mortgage payments were too high and the refinance they offered lowered the payments by {$600.00}, so this is a problem with the inability to not pay the mortgage at the time. However, I do n't really understand the terms or how this happened and they did not provide the refinance paperwork. I believe that the loan is a conventional fixed mortgage but, I am unsure. Your assistance on this is greatly appreciated
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please make an action to update the following items 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
Product: Credit card

I AM XXXX XXXX AND I WANT TO TRANSFER MY BALANCE WITH MY CREDIT CARD COMPANY. I HAD A XXXX CREDIT LIMIT IN 2015 AND EVERYTHING WAS FINE. WITHOUT ME ASKING FOR AN INCREASE CAPITAL ONE INCREASED IT TO {$3300.00}. NOW I AM NOT ABLE TO PAY ALL THE INTEREST AND OTHER FEES CONNECTED TO THIS CARD. I NOW OWE OVER THE CREDIT LIMIT AND WHEN I MAKE PAYMENTS THEY ALL GO TO INTEREST AND THE FEES. I CAN NEVER GET AHEAD. WHEN I CALL THEM WHICH HAS BEEN OVER 8 TIMES THEY SAY THEY CA N'T TRANSFER MY BALANCE TO THE CHEAPER 0 % ON A BALANCE DUE. IN OTHER WORDS THEY SAY THEY CANT GIVE ME THERE OFFERS OF 0 % BALANCE FOR MANY MONTHS. WHY WOULD THEY WHEN THEY KEEP CHARGING ME OVER {$70.00} EACH MONTH IN FEES AND INTEREST.
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you well. I am writing to express my profound frustration and disappointment concerning the continuous presence of fraudulent items on my credit report, despite numerous attempts to address this issue through your dispute resolution process. I have engaged in a persistent effort to rectify this matter by submitting numerous dispute requests, each accompanied by thorough documentation and evidence establishing the fraudulent nature of the listed items. Unfortunately, these diligent attempts have proven ineffective, and the fraudulent items persist on my credit report. I urgently request the following actions be taken : Conduct   an immediate, thorough, and comprehensive investigation into the fraudulent items listed on my credit report. Provide a detailed explanation for the repeated failures to remove the fraudulent items despite multiple disputes. Expedite corrective measures to rectify the inaccuracies and promptly update my credit report accordingly. Furnish written confirmation of the resolution, including a clear timeline for completion. In light of the ongoing challenges and the adverse impact on my financial standing, I insist on a resolution within the exact timeframe from the date of this letter. The persistent presence of these fraudulent items has caused significant distress, and a swift resolution is imperative. I trust in your commitment to upholding fair and accurate credit reporting standards and expect an immediate and decisive resolution to this matter. 
I am asking for your assistance to remove these fraudulent items in my credit file : 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 XXXXXXXX Balance : {$9100.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$1600.00} ; XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$1600.00}.
Product: Checking or savings account

I opened a business checking account on XX/XX/XXXX and deposited {$4400.00} in business checks. The bank told me the funds would clear by XX/XX/XXXX and in that time the bank closed the account and will not release the funds. Ive made multiple attempts since then stopping into the branch is calling customer service and no one can tell me why my phones cant be released or when I will receive my money
Product: Money transfer, virtual currency, or money service

On XX/XX/24 at approx XXXX pm EST a wire transfer was initiated from our real estate attorneys XXXX bank located in XXXX Ky coming from the attorneys online acct with XXXX XXXX  to our bank Wells Fargo with OUR NAME in the memo. The account number was XXXX digit off. However, this was immediately noticed and XXXX XXXX  started a wire tracing to reverse the payment and complete the transfer into the correct bank acct number. Truist wire department has noted that Wells Fargo has accepted the money however 5 days later the money is not deposited into our account XXXX has the money been returned to XXXX XXXX  so that they can re-initiate the new transfer. Wells Fargo has been unwilling to work with either XXXX XXXX  on their trace request. On XX/XX/24 we called and spoke with Customer Escalation XXXX, " XXXX '' whom advised us that the acct that XXXX sent to was an INVALID account and because of that the wire would be rejected and sent back to XXXX. It is XX/XX/24 and XXXX has not received the money back making it impossible to resend to us allowing to finish our real estate transaction. Which means XXXX families are being put out and XXXX family ( my own ) of XXXX members, XXXX of which are CHILDREN are now going to be homeless!!!! This is unacceptable and I do intend on securing an attorney to seek assistance should the matter go on past XXXX  XX/XX/24.
Product: Credit card or prepaid card

On XXXX XXXX my wallet was missing with my card that was use in it when I got Home and login on the app I saw that my card was use and {$400.00} was withdrawn 6 times I contacted the bank right away and told them about it I report it to the local police department here and filed a police report they started an investigation I give them information of the place I was at the time of the incident the bank to me they was going to get back to me but I never hear from them not even to call and question me about it I call them many times but customers service will tell me fraud department will contact me which they never did after almost a month they send me a littler saying my claim was denied I try to talk with them on the phone but it was never possible the police said they saw the person and the location but the camera on the ATM wasnt clear to identify the person so case close I ask the bank to reopen the case they said ok on the phone since its all online and I cant go there in person and I told them it been more than a month since I havent got a single call from them after they open the case which has been since XXXX I still havent got a phone call from them or a litter i been calling all they been telling me is that fraud department will call you and they havent I have not gotten a single call from them since XXXX when I told them about my card been use my someone other than me they also said that my card pin wasnt changed so how the person use it i dont know and they couldnt explain it to me either because no one knows my pin and my pin was not displayed anywhere on my card or in my wallet and I was along at the time when my wallet got lose Im tired calling them and they recently told me no one was working on my case but it was just sitting there so I had it with them I been patient it been 4 months now and Im tired so I bring it to you I need help please
Product: Mortgage

Poser Investments filed Notice of Default WITHOUT notifying us & forcing to Foreclose on our only & primary home. Poser violates our homeowner rights by harassing us with mails from vendors of Foreclosure Threats. Poser is scheduled to Foreclose on our home on XXXX XXXX, XXXX. Our family is a one paycheck household and XXXX family members are XXXX. We have XXXX school age children and our family is suffering from severe financial hardship. Our home loan was modified in XXXX and we have no knowledge of this outstanding loan from Poser
Product: Credit card or prepaid card

Hi This was the letter I sent XXXX XXXX when I had paid off my credit balance in full a week later they lowered my credit limit for no reason, I asked them to reinstate my original limit but they said no! I feel as if they just wanted my money! I was never late paid more than my min payment! 


Im inquiring as to why my credit limit was decreased from {$1000.00} to {$750.00}? 
I know I had notified you guys regarding the reason I was not going to be able to pay the last two missed payments of XX/XX/XXXX and XX/XX/2018 due to someone had compromised my banking information, so the bank had to complete their investigation and I was unable to make any transactions using my bank account! And I had agreed as promised to pay off the full balance once the investigation with my bank was completed! And I paid off all my other accounts as well! I think it it unfair that this happened to me as a good customer with good payment history since my account was opened! I would like to be reconsidered to get back my original credit limit or extend my credit furter!! I can understand if my account wasnt in good standing! I also have a recording where I spoke with your representative on the phone when he explained and assured my account was in good standing and that it was ok to pay off my full balance!
Product: Credit card or prepaid card

Last Friday, when I was driving, I got a phone call from XXXX, the speaker told me that they will mail me a letter next 10 days. 

Yesterday, I got this call again, they said that they will mail me the letter next 7 days. The caller said that I have opened the card in XX/XX/XXXX, but the fact is that I opened the card in XX/XX/XXXX. I had to ask to get an interpreter for me, and I was told that I need wait for one hour, so I told them that I am going to go on an international trip next week. I hoped that they could email the letter so that I could get the information quickly otherwise I will not read the letter next month. They agreed that, and we have checked my email box address. 

Today, I got the call again, and I was told that they will mail me the letter next 7 days. 
This is Chase bank customer service : they did not show any sincere to me. 
Knowing in advance that my English is not good, but the person spoke deliberately fast to confuses me. In fact, I even did not recognize the person is male or female because of the speaker 's speaking so quickly. I hope they can take their customers seriously.
Product: Mortgage

on or about XX/XX/2019 we went under contract to purchase a home from XXXX XXXX XXXX in XXXX XXXX Nevada. As part of the purchase price they listed on an addendum we would be penalized XXXX if we DID NOT use William Lyon Mortgage to close the financing of the new purchase. 

We signed and funded our purchase loan on XX/XX/2019 with William Lyon Mortgage and promptly started to refinance away from the 6 % mortgage rate we closed at. Title order was re-opened on XX/XX/2019 and payoffs were requested. 

XXXX XXXX ( the wholesale mortgage lender ) and William Lyons Mortgage have refused to provide a payoff to title or myself. I called XXXX and was told William Lyon still holds the loan and must provide the pay off. I contacted a representative from William Lyon Mortgage asking for a payoff and was told first that " I must make a couple payments for a couple months '' before they would provide a payoff and then I was later told they " wouldnt and they couldnt '' provide a payoff. 

I have spoken to the Executive Assistant to the President of William Lyon, I have spoken to the Executive Assistant to XXXX XXXX the CEO of William Lyon. I have had numerous calls with the EVP of William Lyon Mortgage XXXX XXXX about recieving a payoff and he confirmed William Lyon still holds the loan on their wharehouse line. I have spoken to a risk manager with William Lyons also tryiong to obtain a loan. XXXX XXXX was also contacted but they have no record of my loan and stated William Lyon Mortgage must provide the payoff This is the last condition needed to secure my new loan at 3.875 % This is a no pre-pay loan and my loan documents clearly state there is no pre-pay and that I can pay off at any time without penalty. 

The XXXX penalty and the high daily rate they are forcing me to pay by not providing the payoff is creating additional expense in addition to the appraisal costs and title costs that will be incurred because of this.
Product: Credit card

Take a look at the attached documents. I want the bureau to start an investigation into these accounts, as I am consistently on time, but they are incorrectly reporting me as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed I had some unauthorized accounts on my credit reports so I submitted the proper paperwork to Equifax to remove the fraudulent accounts from my credit report and Equifax did not remove them. I have already filed a complaint through this agency but I do not got any resolution. This is my second complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had XXXX cell phone service and switched to XXXX when they where offering to pay off last bills to switch to them, XXXX failed to send payment to XXXX, XXXX sold account to XXXX a collection agency I paid them and requested that it be removed from all 3 credit bureau XXXX and convergent agreed to remove, Transunion and XXXX are refusing my dispute to have it removed. XXXX has removed but Transunion and XXXX have not even though the actual debtor is requesting for it to be removed!! Also i have made 4 request in the past 6months to get my final bill from XXXX and i have yet to receive anything from them other than verbal confirmations of we are sending them to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! 
My current and only address is XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, North Carolina XXXX. My name is being confused with another XXXX XXXX XXXX. My DOB is XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX, XXXX XXXX, XXXX the also have records of file the are wrong. The following addresses are not my please delete they are not mine they are inaccurate. Please remove delete that following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NC, XXXX XXXX XXXX, XXXX NC, XXXX XXXX XXXX XXXX XXXX  XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX I have some account the I need absolute proof that they are my because of the previous confusion with another XXXX XXXX XXXX. 
The reason for my dispute is 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 required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623 , subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, the major of the account that appear have failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809. I am in need of a re-investigation to account for the confusion and possible fraud as well as unverified accounts. please send a copy of the Creditor Disclosure form I have attached along with any copies of a contract agreement with my signature.
Product: Credit card or prepaid card

Your reply to the consumer affair has nothing to do with what I am referring to. In XXXX and XXXX fraudulent charges where made which followed to XXXX. You guys have charged me for that with interest. Whatever payments I was making was for fraudulent charges, on XXXX there were a lot of charges made on that month you charged me for. the money you said i owed for XXXX, I did not owe. You owe me money when those payments would be unsure of because of interest charges on the unclear amount.i did not owe XXXX because you didnt know what I owed for XXXX. I had fraudulent charges in which you agreed to in your investigation. you guys are focusing on the wrong stuff. Furthermore, I need a proper reinvestigation into this matter, because what you we has nothing to do with my dispute.
Product: Credit card

Contacted via telephone on XX/XX/ by a document delivery service regarding the need to serve me documents from XXXX XXXX XXXX in XXXX Texas regarding a civil lawsuit for an unpaid credit card bill from XXXX from Capital One Bank for {$6000.00} +. This is the first time i have ever heard of this situation or debt. I have never owned a credit card in my life besides a XXXX XXXX more then 25+ years ago that was closed out with no balance 25+ years ago. I have not worked in well over 15 years therefore have had no income until just maybe 3 years ago which is XXXX  XXXX. I was told the application had a copy of my drivers license and social security card in it. I have no idea how my information was stolen, who opened a card in my name, what income they used as i had none nor how i was just notified. I am XXXX, on a fixed income, own my home per an awarded judgment in a divorce and I am now being told that this XXXX XXXX XXXX wants to put a lean on my home. I have no money for an attorney, have no where to live besides my home and have never owned this credit card.
Product: Debt collection

I disputed this information early XXXX XXXX XXXX XXXX and with FoORTIVA. XXXX XXXX  never responded. Forgive responded stating this debt was no longer theirs. I responded with a debt validation and verification letter due to the fact I do not owe this debt and do nit have this account. Upon my credit report the information listed is very inaccurate, inconsistent, incomplete, not true and not whole. They are not filling the laws if FCRA or FDCPA nor is this compliant with metro 2 style formatting. This is account does not belong to me and they did not provide me with sufficient information proving so. This is also very inconsistent by looking at the 3b report. They are doing what they want and violating my rights. They have consistently and continuously lied and reported false inaccurate information please remove from my report ASAP
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act this creditor has violated my rights. Under 15USC Section 1681 Section ( 602 ) states : I have the right to privacy. 15USC 1681 Section 604 ( A ) Section 2 it also states a consumer report agency can not furnish my account without my written instructions. Under 15USC ( 1666B ) a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose
Product: Vehicle loan or lease

I purchased a Nissan XXXX back in XXXX of XXXX, and then later went back in XX/XX/XXXX to cancel my Gap insurance after finding out that my insurance provider also has Gap insurance for significantly cheaper. I went in and spoke to the same representative that helped me sign the purchase agreement " XXXX XXXX '' and signed a document requesting the cancelation. A year and a half later, I noticed that there was never a credit to my outstanding loan balance of the Gap insurance cost despite my XX/XX/XXXX visit. I went back in XX/XX/XXXX and spoke with XXXX who said I never signed any sort of cancelation, drafted up a new one and had me sign it there. I said multiple times that this was already supposed to have been canceled as of XX/XX/XXXX, and he said he would see what he could do. Ever since then, I've gotten vague answers and absolute refusal to escalate to higher managers who can correct the issue, despite MONTHS of back and forth. I have yet to hear from anyone higher up than XXXX, despite XXXX saying that it is not in his power to correct the issue. As of XX/XX/XXXX, a refund of {$980.00} was issued, which reflects a XX/XX/XXXX cancelation, instead of the original XX/XX/XXXX. A loss of approximately {$300.00}.