23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I filed a dispute with Amegy bank on XX/XX/year> refence ( Business Account ending in XXXX ) concerning that on XX/XX/year> I went to a grocery store located in XXXX XXXX California that was XXXX XXXX location and attempted to purchase money orders with my debit card, the location completed the transaction but due a malfunction with their equipment was unable to print or issue the the money orders, my card was debited and I did not receive the money orders, Amegy bank denied my dispute and informed me over the phone on XX/XX/year> that the XXXX XXXX agent can not be held responsible because they did nothing wrong and sent the money to XXXX XXXX. Amegy Bank mishandled my dispute and has also refused to reopen the dispute or allow to appeal the decision to a higher department as the grocery store is who took my funds and failed to give me the product I paid for as on the receipt it shows the transaction but also shows on the receipt I did not receive the actual product the money orders.
Product: Debt collection

XX/XX/XXXX they called for XXXX minutes and XXXX seconds they have since called several times this week and last week todays date is XX/XX/XXXX they denied ever calling they wouldnt even tell me who they were. i have included screen shots of call dates and times
Product: Credit reporting, credit repair services, or other personal consumer reports

credit inquiries, Ive already attempted to contact the reporting agencies advising them that the credit inquiries that doesnt have a established account does not belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

so I have been challenging a account by the name XXXX XXXX from my consumer report with equifax. when I challenge this account I base it off of the blatant errors reporting. I feel as tho equifax is choosing to non comply. I have attached my recent letters and proof of my updated consumer report showing errors still. I have given equifax the respectful time to complete there dispute process. 

XX/XX/XXXX I sent equifax a letter based on the fact they were still reporting this account to be open but the last payment was XX/XX/XXXX. 

XX/XX/XXXX I wrote equifax a letter based on excerising my rights 15 U.S.C 6802 because I felt as if they were violating my rights to privacy by continuing to report inaccurate information after I had been previously had been putting them on notice with proof that this account was reporting inaccurately. 

XX/XX/XXXX I decided to pull a updated consumer report form XXXX to see if equifax fixed or complied of my previous request. 

to my findings nothing was updated or investigated. I feel as tho equifax again failed to comply. the addresses i use are XXXX XXXX XXXX, XXXX, GA, XXXX and XXXX XXXX XXXX, XXXX, GA XXXX these address are listed on their credit reports as a dispute mailing address and website. 

equifax is still reporting errors. the accounts status is wrong, the date of 1st deliquency and deliquency first reported is wrong. the date reported is wrong. the date of last payment reads XX/XX/XXXX but the payment history shows 60 days late that date. the date of 1st delinquency reads XX/XX/XXXX but there're no data on that date in the payment history. the comments section doesn't specify a notice of dispute. the closed date is missing even tho this is a closed account. I also pulled a new smart credit report dated XX/XX/XXXX and noticed this account is still reporting errors and inconsistent information. they keep reporting this as a open account for some reason. I have done my part as a consumer to notify them of their mistakes and they dont respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX, {$3200.00}, 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 has violated my rights. 
15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review of my Experian and XXXX credit reports in XX/XX/2019, I noticed a collection account reporting from XXXX XXXX XXXX ( Account # XXXX ). I contacted the collection agency via mail in XX/XX/2019 sending them a debt validation letter. I do not have a contract with this company therefore I asked for them to show me documentation that proves that I am the party who owes this debt to them. The company responded with a generic collection letter with their company letterhead and I balance owed of {$600.00}. I never received validation of this account nor a signed contract or documentation that this account belongs to me. Since XX/XX/2019 I have sent several additional mail correspondences even offering to settle this unverified account, not acknowledging it as mine, but to have it removed from my credit report as is is affecting my credit worthiness. None of my correspondences after the companys failure to validate debt have been replaced to. I also sent disputed letters to all associated credit bureaus who have also failed to validate debt but continue to insist the debt is verified.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXXXXXX XXXX XXXX - Account # XXXX
Product: Credit reporting 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, 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 an 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: Mortgage

Our mortgage was transferred from XXXX to Mr. Cooper in XXXX. During that process I inadvertently made a payment to XXXX in XXXX. XXXX forwarded that payment to Mr. Cooper. Mr. Cooper misapplied that payment to principal and did not consider it a monthly payment. Therefore, they recorded that we were a month behind in our mortgage. We then received a letter to modify our mortgage. Beginning in late XXXX I have called multiple times to have the previous payment reapplied to our mortgage payment to no avail. Every time I call they tell me they will 'take care of it '. To date, it has not been reapplied. In addition, over specific objection the mortgage was placed on a modification. I am applying to refinance with another company and this has affected that application in a negative manner. I have made all payments up to date but our mortgage statement fails to correctly reflect that status.
Product: Checking or savings account

My husband and I we opened a checking account with Ally bank a while ago and last week I deposited our tax return check using their mobile check deposit feature. Since we needed the funds as well to pay the mortgage I made a wire transfer to another one of our accounts at another bank wherethemortgagepayment isscheduledtobewithdrawn. And when I checked online to see if the funds were available on the day Ally said it would be I found out that no funds have been transferred. When I tried to access our Ally account I found out that they have blocked the account without prior notice to us not even an email or text message or even calling us. I called their fraud department and I answered and passed all their security questions but still they did not unblocked the access to our account and they did not gave me any time frame either. This is a complete lack of transparency and I really didn't appreciate for them to treat me like a criminal while asking me their questions. Our mortgage payment is due on XX/XX/XXXX, any help you can provide us in resolving this issue would be greatly appreciated. 

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

MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX This XXXX  XXXX account is illegal and unauthorized and needs to be removed via USC 1681li ( a ) XXXX XXXX XXXX XXXX {$16000.00} Date Opened XX/XX/XXXX **the account below is beyond reporting limits and needs to be removed asap! ** XXXX XXXX  {$1500.00} Date Opened XX/XX/XXXX **This Bankruptcy is well over 7 years of the statue of limitations for reporting on credit bureaus . It must be removed from XXXX, XXXX, and Transunion in a timely manner** Bankruptcy XX/XX/XXXX Collections Credence Resource Management {$1200.00} Date Opened XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Urgent Dispute of Fraudulent Accounts Identity Theft To Whom It May Concern, I am writing to dispute fraudulent accounts listed on my credit report, which were opened without my authorization. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies on my credit report, and I expect prompt action on your part. 
The accounts in question are : XXXX. XXXX. XXXX. XXXX. 
XXXX. 
I did have your 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  not open these accounts , and I have already filed a police report regarding this identity theft, which I enclosed with this letter. Additionally, I have highlighted the fraudulent entries in my credit report for reference. 
As mandated by the FCRA, you are required to conduct a reasonable investigation into my dispute and to respond within 30 days of receiving this letter. If you determine that the information is inaccurate, you must promptly remove these accounts from my credit report. Furthermore, under the law, you must notify the creditors involved to ensure they cease reporting this fraudulent information. 
Please consider this letter a formal request for your investigation. I expect you to provide a written response detailing your findings and actions taken regarding my dispute. I also request you put a fraud alert on my credit report for safety measures. 
I appreciate your immediate attention to this matter and look forward to your prompt resolution. If you require any additional information, do not hesitate to contact me directly. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

Richard Sokoloff Attorney at Law claims to have served me with a judgement that I never received and didn't want to give me any to verify, stated my spouse and I received services and they would not give proof of being served. WHen we contacted the dental place they have no records of what services were provided so no way to verify that this is a legitimate debt. 
Worse is this was a judgement from XX/XX/2012 and now 6 years later that I have more than the amount they can place a lein from my insurance check, they place one. 
The lawyers info is XXXX XXXX  XXXX - XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX and I do not have a contract with PRO COLLECT plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$1200.00} I demand this account to be deleted on my credit report.
Product: Debt collection

ON OR AROUND XX/XX/XXXX THERE WAS SEVERAL UNAUTHORIZED CHARGES MADE TO MY BUSINESS ACCOUNT FOR UNKNOWN FEES TO MY XXXX XXXX XXXX BUSINESS ACCOUNT. I HAD ONE CHARGE FOR {$300.00}, {$350.00} {$450.00}. I WAS NEVER INFORMED THAT THESE CHARGES TO MY BUSINESS ACCOUNT MADE. I NEVER GAVE CONSENT OR PERMISSION. THE IS FRAUD AND I WANTED TO REPORT IT. IT WAS BROUGHT TO MY ATTENTION 3 WEEKS AGO WHEN I WENT TO MY XXXX XXXX   ACCOUNT TO MAKE A DEPOSIT AND DISCOVERED MY ACCOUNT WAS OVER-DRAFTED. I DID DISPUTE THE CHARGES WITH MY BANK AND I CONTACTED THE OFFICE TO MAKE A COMPLAINT OVER THE PHONE XXXX XXXX XXXX XXXX, XXXX, XXXX, OH XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX  credit monitoring service and was alerted of a an Inquiry for a personal loan. I immediately called the agency and advised them That I did not apply for a loan with them and it was frad withing minutes of the alert. The Inquiry still appears on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experience has continuously reported felonious and inaccurate information for several years on my credit report even after disputing it an absorbent amount of times ; just to receive results stating that the information had been verified as accurate which is incorrect. EXPERIAN allows companies that report mortgage debt, credit cards, and loans to report anything they choose to do so and are not held accountable. Now when you attempt to dispute anything that has been disputed in the past regardless of the accuracy of the information reports, you receive an error stating that it violates the FCRA which is evidence that EXPERIAN is counterintuitively and simultaneously violating the FCRA and using these same consumer laws against consumers who have reported them to the FTC for fraudulent behavior in the past! Because they are being sued by the CFPB they also removed options for specific credit reporting companies such as mortgage lenders who at one point had the options for consumers to list litigation pending on their report, as well. If this was listed before the lawsuit, this has now been removed from your report and they publicly exploit that consumers can add statements if they would like to items they have disputed on the past but this option has been removed as well.
Product: Debt collection

I HAVE SO MANY FALSE THINGS ON MY CREDIT I WAS XXXX  THE LAST 5 YEARS NNONE OF THIS IS MY STUFF
Product: Checking or savings account

During the year XXXX .. they charged me large sums of overdraft fees
Product: Debt collection

If I am under student loan forgiveness why is my credit score and report is showing different Pulled my credit report from XXXX XXXX and it is showing I owe XXXX in loans and I have not graduated or completed my degree. I am having a hard time living in my own skin. I am so exhausted. I also have been a victim of credit reporting and social security number fraud. The credit bureaus all three has been hacked and I numerous phone calls from companies I never heard of. My information has been sold to different companies I am not aware of.
Product: Debt collection

XXXX, a private, debt collection company ( XXXX XXXX XXXX, XXXX XXXX, PA, XXXX ) has been attempting to collect taxes on behalf of XXXX XXXX, PA for tax years XXXX and XXXX. I previously responded to them that I have not been a Pennsylvania resident since XXXX, and thus not subject to personal property taxes in Pennsylvania. They ignored me. I received a new collection effort mail piece this week for tax year XXXX. It includes threats of additional collection actions if I don't pay this bill that I do not owe. 

The XXXX of the complaint is BOLD type in RED, saying, " DELINQUENT TAX NOTICE. '' It is bad enough for this company to make collection efforts, but now pretending to be a tax agency is even worse. 

A previous complaint from me about Statewide to CFPB resulted in CFPB contacting this agency with no response ( per CFPB emails to me ). Will you try to help again? 

Thank you!
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating this reporting account as unconfirmed information without producing proof within the legal time range is unacceptable. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX  XXXX Balance : {$34000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$850.00} XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

Im a victim of identity theft someone got my Best Buy credit card and used it while I was really sick with XXXX I was down and out for over a year and more sick so Im now going over my account and report and seeing all of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX I XXXX, CA XXXX, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX
Product: Debt collection

On XX/XX/19 i noticed a new collection account on my credit reports from XXXX. They are not bonded in the state of Texas and therefore can not collect a debt on behalf of XXXX XXXX XXXX XXXX amount {$2000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted XXXX and asked for validation of debt numerous times as well as challenged the reporting of this account ... each time it has come back verified ... how can this be verified if the reporting is all over the place ... btw XXXX  deleted it because the could not verify this account and its time for the others to follow suit .... 

Transunion is reporting {$1200.00} high credit limit XXXX is reporting {$0.00} high credit limit Transunion is reporting {$0.00} credit limit XXXX  is reporting {$950.00} credit limit Transunion is reporting XX/XX/XXXX as the date of last active XXXX  is reporting XX/XX/XXXX as the date of last active -- -this account has been re aged look at the 2 year history ... none match and XXXX is reporting 150 day late XX/XX/XXXX and then 120 days late XX/XX/XXXX ... how is that even possible ... .these are all clear violations..i have attached a copy of the reporting
Product: Debt collection

The company " MAC '' has multiple people calling my phone constantly from all different phone numbers and area codes. The latest number is XXXX. They leave voicemails non stop about a payday loan that I may or may not have taken out in 2016. I'm not familiar with the company name they keep saying that I owe and they won't give me any more details except a huge amount I supposedly owe. Which if I did get a payday loan out the amount they are demanding is more than double almost triple the amount of any payday loan I have ever received. They are calling family members out of state and telling them information that would not even pertain to them and calling all hours of the day. They are threating arrest for a bad check that is incorrect because the acct is now closed so they are telling family members I have write bad checks, which is false. I have spoke to different individuals. Every time I call no matter what time I am told they are not at the phone or desk or on another call and that they will return call in 10 minutes. They do usually call back about 30 mins later. I have requested a validation report on the loan which I still have no received and have asked them to please stop calling my phone because I don't have the funds to pay for a extra debt at this time with. No income XXXX children and unemployed right now due to the pandemic.