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

I have requested validation with these companies and have received NOTHING back! My hardship was 7 years ago and these items should not be listed on my personal credit file, my rights are being violated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

CMRE is still reporting an account on my credit. As part of the agreement for paying the account they agreed to remove it since it should 've been paid by insurance ... I 've disputed it with XXXX but they keep claiming it 's verified. I like this account to be removed from my credit at once!!!
Product: Mortgage

In XXXX Of XXXX, I applied for a first mortgage loan from Banner Bank in XXXX XXXX to do XXXX XXXX business with my business partner. The business was to hire veterans and XXXX XXXX  workers. 
The paperwork was handled by XXXX XXXX. I gave all required documents and kept asking if anything I could do to expedite my loan. My emails and phone calls were barely returned and in the meantime my cost of goods ( gold prices ) were up. 
Finally XXXX XXXX told me I could get {$220000.00} based on my income. I agreed. 
Then time went by and no closing of the loan. I contacted XXXX XXXX manager at the branch and explained the situation and she said okay send me your XXXX Tax return which I faxed same day.

Two days later she calls and said I can not give you the loan.

For two months I waited and in XXXX of XXXX XXXX XXXX gave me a HELOC on my free and clear property. 
XXXX XXXX also said we will pay the HELOC and I will get {$120000.00} which I agreed. 
I also spend much money in sending paperwork via postal services and fax costs. 
Please this is not fair as I have lost almost {$500000.00} deposit on the business because of the banks false promises. 
Very Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Today, I'm reaching out to address a pressing issue of identity theft that has negatively impacted my credit report. After filing a report with the Federal Trade Commission that is essential. According to the Fair Credit Reporting Act ( FCRA ), Section 605B, credit reporting agencies are obligated to eliminate any entries identified in an identity theft report, in this case, report # XXXX. Enclosed, you'll find pertinent documents to aid in the eradication of these inaccurately reported items. The following is a list of accounts opened without my consent : XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance : {$310.00} XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  ) XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$1300.00}. XXXX XXXX XX/XX/year> XXXX XX/XX/year>. Per FCRA Section 605B ( a ), it's mandated that credit reporting agencies remove any such disputed entries promptly, within four business days following the receipt of the complaint.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I was alerted of money taken from my account and was called by chase to resolve the issue. Instead they coached me and ended up taking all my money in total of {$13000.00}. I dont know what to do anymore. I was stuck at work and not near any chase bank branch to help me. I went to a chase branch before dor the same problem and all they did was give me a new debit card. No help by chase whatsoever.
Product: Debt collection

I was a victim of identity theft and noticed a collection from Ad Astra Inc I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AD Astra Inc in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

company inquired on my XXXX credit report i never applied
Product: Credit card or prepaid card

XXXX dollar ongoing charges for car washes that i did not authorize for a total of XXXX. I never enlisted in the XXXX XXXX car wash program.
Product: Credit card or prepaid card

In XXXX of XXXX I applied for a secured credit card with Discover Card Services. I paid a {$200.00}. deposit fee as stated to be part of the terms in the secured card to establish credit. They opened the account and immediately closed it. When my cards arrived my account had already been shut down with no reason given. They then held my deposit for 2 months before I received it back.They did the exact same thing to my wife and as I did some further research they have done this to numerous people seeking to improve their credit. This action taken by Discover is dishonest and negatively impacted our credit score as we were seeking to improve it, not destroy it. I have asked them to remove the account off my report as they actually never opened my account or did I ever have functioning cards with a open account at any time. We were never asked to Identify our selves at any time. This action taken by them destroyed my employment opportunity and caused my interest rate to go up with several companies I do business with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filled a FTC complaint on this account appearing on my report and requesting for it to be deleted. 

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

Subject : Dispute of Inaccurate Information on My Credit Report Dear [ CRA Name ], I am writing to dispute an account listed on my credit report with account name " XXXX XXXX '' and account number " XXXX. '' The information reported is inaccurate and requires correction. 

Specifically, the account has been reported as charged off for every month in 2024, which seems redundant and potentially a violation of the Fair Credit Reporting Act. Additionally, I am requesting verification of the following details : The accuracy of the reported balance of {$1500.00} Documentation validating the charge-off status and original balance Any inaccuracies in the terms and status updates Please conduct an investigation of this matter, verify the information with the original creditor, and provide me with a written response detailing your findings. 

If you find the account to be inaccurate or unverifiable, I request that it be promptly corrected or removed from my credit report. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting or other personal consumer reports

I appreciate the removal of some negative items from my credit report. However, there are still remaining items that need to be addressed and removed from my credit file. I was going through my records & noticed these items which were opened without my permission. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these items which are found to be opened due to incorrect credit reporting. The disputed items are a mystery to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these negative items. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly 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 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 Please remove the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act.
Product: Mortgage

This issue remains unresolved, and I find it necessary to update the record to address concerns, about Specialized Loan Services ( SLS ), not covered or supported by documentation earlier. 

On XXXX/XXXX/XXXX, XXXX XXXX XXXX ( XXXX ) transferred the mortgage loan to SLS, effective XXXX/XXXX/XXXX. See Exhibit A. 

On XXXX/XXXX/XXXX, Specialized Loan Services assigned the mortgage loan number, xxx. The notice set forth unpaid principal at {$440000.00}, uncollected interest at {$2000.00}, escrow /balance at $ XXXX, and outstanding fees that totaled {$910.00}. See Exhibit B. 

On XXXX/XXXX/XXXX, SLS sent the Notice of Servicing Transfer effective XXXX/XXXX/XXXX. Exhibit C. 

On XXXX/XXXX/XXXX, I paid SLS {$3100.00}, on loan # xxxx, for initial payment due XXXX, XXXX/XXXX/XXXX. See Exhibit XXXX SLS applied the XXXX/XXXX/XXXX payment to a debt claim of {$3100.00}, allegedly due, for XXXX mortgage payment by XXXX. 

I disputed the SLS payment to XXXX, immediately. To date, XXXX has not submitted a proper bill in any amount for any outstanding claim of debt. XXXX ceased communicating with me after XXXX found errors and adjusted the online loan transaction history. 

On XXXX/XXXX/XXXX, after discussion with SLS, I disputed the payment to XXXX, in writing. See Exhibit E. 

On XXXX/XXXX/XXXX, SLS sent a demand for {$10000.00}, due XXXX/XXXX/XXXX. Exhibit F. 

On XXXX/XXXX/XXXX, SLS sent notice of changes to the mortgage interest rate and payment to take effect on XXXX/XXXX/XXXX. SLS states that the interest rate stayed the same for six months and that period ends XXXX/XXXX/XXXX, so the rate and mortgage payment will change. See Exhibit G. 

XXXX made a change to the mortgage interest rate effective XXXX/XXXX/XXXX. That change included an increase in the interest rate and payment that, contrary to the SLS claim, has not stayed the same for six months. SLS must know that this new debt claim violates the ARM agreement much like SLS knows that collecting disputed debt from me on behalf of XXXX is wrong and beyond the scope of the agreement. XXXX must be held accountable to justify the claim and not simply allowed to rely on a third party, SLS, to collect a disputed claim without proof. 

On XXXX/XXXX/XXXX, SLS sent a Mortgage Payment Delinquency Notice. Exhibit H. Five days later, on XXXX/XXXX/XXXX, SLS sent a second delinquent notice demanding {$3900.00}, including {$3100.00} Monthly Payment, {$910.00} in Fees /Advance, and {$110.00} in Suspense Balance. See Exhibit I. 

The fees listed by SLS are not legitimate. Again, SLS is attempting to collect on a claim that XXXX made during my Bankruptcy and hid from the Court when filing a Response Notice To Cure Final Payment on XXXX/XXXX/XXXX. XXXX admitted, in writing, to making errors in servicing the loan including overcharging my escrow account for 19 months. XXXX adjusted the loan account and failed to submit a written demand for payment, including fees, and SLS does not provide sufficient details, proof of claim. 

On XXXX/XXXX/XXXX, I paid SLS {$3100.00} for XXXX. See Exhibit J. 

On XXXX/XXXX/XXXX, I paid SLS {$3100.00} for XXXX. See Exhibit K.
Product: Debt collection

I XXXX XXXX, entered into a consumer credit transaction with Dept Of Ed/Nelnet on XX/XX/2017. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. Dept Of Ed/Nelnet, outside of the finance charge, charged me monthly/incremental payments, as well as late fees for the monthly/incremental payments, which clearly violates 15 usc 1605. Furthermore, Dept Of Ed/Nelnet never clearly disclosed to me their violations, which itself is a violation pursuant to 15 usc 1611.
Product: Credit card

On last Thursday XX/XX/24 I reached out to the merchant about my order and to inquire about whether or not my order was finish when the merchant informed me that she had not received the money from the company and the invoice is not complete. The merchant actually thought I had cancelled the order. What happen afterwards was a several email exchanges between the company, merchant and me. The company ZIP had taken two payments out of my account and was approaching a third payment to de deducted from my checking account at XXXX. I had paid on XX/XX/24 {$36.00}, XX/XX/24 {$36.00} and a third. The begin a series of emails with the company. They would not put a stop on the next payment until the review shared that they could not do this. What bother me during this process they were very unprofessional, and I had to call my bank to dispute the charges and stop the debit card. The company also after several attempts from the merchant also was unable to get anywhere. No explanation on why they continue to take out payments and did not pay the pay the merchant. I also have a long history with the vendor. I don't think its fair that this company can do this, and I am glad I made contact with the merchant. They even told me not to file a dispute because it would be a negative on my account
Product: Credit card or prepaid card

Hey Ive received a letter XX/XX/2020 saying that I will receive payment by prepaid debit card. But I never received any prepaid card from the government and I need to know why not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with US bank. I have personal called a few times within the last 3 months and everytime I called every representative would say my credit card account is closed. I recently tried to get an auto and I could not get approved due to this being on my credit report as closed by consumer. After calling multiples times and talking to more than a handful of people, they said my account was closed off wrong and no one could access or help me pay it off for 3 business days. 
I waited and called back, by then someone said I only owe {$180.00} I questioned it due to my credit report stating I owe {$420.00}. After being transferred to 2 different representatives, the last lady said I owed {$610.00}. I was highly confused and questioned her. She said the late charges are {$420.00} and the principal is {$180.00}. I do not believe my credit report would only be recognizing the late charges and nothing with principal. 
I have paid in full due to my credit already being ruined by this but I am highly upset and believe this needs to be looked into. 

I do not believe how much in fees they charged before " closing '' it out wrong. I can say with the most honestest that I will not do my future business with them. I was very young at the time of that credit card and not sure how everything fully worked. I also do not believe they tried to contact me for the funds. I also have a savings and checking account with them, they could have easily withdrawn the funds and helped my credit.
Product: Debt collection

On XX/XX/XXXX I sent a letter to request a debt verification if it actually belongs to me but I have not received anything, this debt is not mine and XXXX sending a letter below what I want to do. 

YOU ARE IN NONCOMPLIANCE OF THE FAIR DEBT COLLECTION PRACTICES ACT It is a fact that Congress enacted the Fair Debt Collection Practices Act ( FDCPA ) to eliminate abusive debt collection practices by debt collectors and to protect consumers like myself against debt collection abuse. Your company is using abusive, deceptive, and unfair debt collection practices which has contributed to the invasion of my privacy. 
I did not give your company consent to communicate with any person including the consumer reporting agencies any of my private information which includes information on the above referenced account. It is not permitted by law for your company to communicate with the consumer reporting agency as I did not give written instructions for you to have permissible purposes to furnish any of my information. 
Since, I did not consent to you have my private information which includes identifying information such as my name, address, and account number, your company has committed aggregated identity theft which is punishable under 18 U.S. Code 1028A.

You have invaded and breached my privacy which violates The Privacy Act of 1974. 
I am instructing you to delete my private information from your company files, delete this account from my consumer report with XXXX, XXXX, & XXXX and cease all abusive and deceptive collection attempts immediately. 
You have 10 days to request for this information to be deleted from my consumer report. 
Failure to do so will result in me taking legal action against your company for damages, willful noncompliance, privacy breach and much more.
Product: Debt collection

Hello, I've tried many times explaining to them that I was a victim of identity theft, but for some reason they keep sending me emails after emails regarding this balance owed. 

As you're aware I'm XXXX by birth and due to this I never worked. I only get {$960.00} per month from my social security income and from it I must pay the utilities bills, phone bills, gasoline for my XXXX, which is wheelchair equipped, and foods. 

Whenever I email them I don't get a reply. And I'm unable to call them because of my XXXX  XXXX 

I'm reaching out to you to get this resolved by telling them that I was a victim of identity theft. Thank you.
Product: Credit card or prepaid card

On XX/XX/2021, I filed a fraud claim for {$1400.00} charged to my XXXX with the bank, Barclays. This was related to an incident through a vendor, XXXX XXXX XXXX XXXX. 

My card was canceled and I immediately received a new card to prevent further theft. I promptly wrote a review of this vendor/company on the XXXX XXXX XXXX website and XXXX to warn other potential victims. 

Barclays stated that it was investigating this dispute. I called many times in XXXX and XXXX to inquire about progress, but those conversations with Barclays representatives were meaningless and fruitless. On XX/XX/XXXX, I received a letter from Barclays stating that the charge was added back to my statement and that it was valid. 

I received no product nor any service for the transaction of {$1400.00} on my credit card. 
A salesman that I called from XXXX XXXX XXXX XXXX XXXX came to my home briefly ( less than 5 minutes ) on XX/XX/XXXX. He charged my credit card {$1400.00} for a new dishwasher that was never delivered. 
I called the vendor and was able to reach him once in late XXXX after the dishwasher was not delivered he suggested that he may be able to bring me " some cash. '' I refused and insisted that he provide me with a credit for the full amount on my Barclays card. 
This charge was never credited to my card by the vendor. 
I have made attempts to resolve this directly with the vendor but he has disappeared. The numbers on the business card do not work ; there is no address, and our research to locate him on the internet have yielded nothing. 
No investigator from Barclays ever spoke to me or my wife regarding this claim, to " investigate '' as we were told. 
Barclays has provided NO CUSTOMER PROTECTION whatsoever.
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, AL XXXX, XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$7600.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$1800.00}, XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX
Product: Debt collection

The creditor XXXX XXXX XXXX has placed a collection in my XXXX   on XX/XX/XXXX using a company called Law Offices Of Mitchell and it seems they have received this request to collect from me on XX/XX/XXXX. I have never heard from this collector and I don't agree with this charge, since my ex-husband has told me this bill was paid with many other bills when I had an XXXX treatment about 3 years ago. I have been separated since XX/XX/XXXX and I left the house since them. I have been divorced since XX/XX/XXXX and during the divorce my ex has told all the bills I had to pay including having to fill and pay my taxes from XX/XX/XXXX and XX/XX/XXXX, and he has never mentioned this bill. He also never gave me any letters from any of those companies mentioned above.
Product: Checking or savings account

Today Wells Fargo closed my bank account and issued a cashiers check without my consent. Upon inquiring about the transactions, Wells Fargo call center did not care, provide information, or try to help me recover my funds.
Product: Mortgage

My home was foreclosed on Penny Mac through XXXX attorney 's at XXXX. I have requested the documents from Penny Mac which was suppose to provide me notice of the foreclosure, which I never received. My job takes me from XXXX to XXXX however, I was laid off and requested assistance which Penny Mac refused to provide and kept referring me to the Attorneys Office. The law states I was to have a certified letter giving me notice no letter was received either by Penny Mac or the XXXX law offices.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax and XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The credit reporting agency has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

( XXXX  XXXX )
Product: Debt collection

I sent a certified letter to Marcadis Singer Law Firm on XX/XX/2021. The letter included a notarized Affidavit of Truth including Exhibits A, and B., and a Cease & Desist Letter as well a an invoice for violation of my Federally Protected Consumer Rights under 15 USC 1692 in the amount of {$3000.00}. The Law firm is in violation of the following : *15 USC 1692g ( c ) *15 USC 1692g ( d ) *15 USC 1692i ( b )