23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XXXX, 2015 I submitted a complaint through your office against Enhanced Recovery LLC for a collection of a XXXX account placed in my credit record under the name of XXXX XXXX in an address in North Carolina ( See CFPB Case number XXXX and XXXX ). Enhanced Recovery LLC responded the dispute on XXXX XXXX 2015 alleging:1 ) Investigation of my dispute was been completed2 ) that my social security was associated with the account and that cable services were provided XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina ( I have never been in North Carolina ) 3 ) that the account with Enhanced Recovery has been closed due to my dispute4 ) that a deletion request to ALL reporting agencies was submitted. 
However, as of today, Enhanced Recovery LLC has not been able to provide me with evidence such as copies of contracts or documents confirming that I contracted with XXXX in North Carolina. Also, I never received any letter stating that an investigation of my dispute was completed. 
In addition, Enhanced Recovery LLC never closed my account. As of today, a collection report remains in my credit record. 
I request Enhanced Recovery LLC to validate this alleged debt by providing evidence, such as contract or any document with my signature proving that I contract services with XXXX in North Carolina. Also I further request this collection company to contact all XXXX credit agencies and inform I am disputing this debt.
Product: Checking or savings account

I noticed multiple fraudulent charges using my debit card with chase. Majority of these charges happened in the XXXX months and I didnt catch them until now. Im not sure how long my card was compromised for but whenever stole my information was having an absolute field day. I canceled the card and went over my statement to view all the charges that were not made by me, majority of these being to XXXX Id imagine this is how the perpetrator was receiving my money. Im not sure how it works because I am not a frequent cash app user, only having used it a few times years ago. I filed a claim for the amount of XXXX and noticed they reversed it and closed the claim today, leaving me in debt. I physically can not eat or pay my bills as of now and its really frustrating me.
Product: Money transfer, virtual currency, or money service

XXXX will still not add my bank, XXXX XXXX, or let me mail a check to them for deposit.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXXXXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This was my follow up for my latest complaint. I am requesting the removal of the following items from my credit file, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), mandating their removal no later than 4 business days after XX/XX/XXXX. This matter was previously addressed in my prior correspondence, and I am restating it here alongside my new FTC report # XXXX. Please expunge the following items attributed to alleged identity theft : EXPERIAN : 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. Failure to remove the listed items may result in legal action. I have apprised my attorney of my intentions, and they stand prepared to pursue legal recourse in case of willful noncompliance.
Product: Debt collection

This is my complaint about my previous renter XXXX ( Beam Apartment in XXXX ) and the one they sold the debt to IQ DATA INT'L INC XXXX XXXX moved into the beam apartment XXXX My neighbors played loud music at night, over XXXX decibel at night with video records ( Can be provided if needed ). I tried to contacted the onsite security and communicate to the manager but they ignored my email and complaints Throughout my lease, I have been living in unlivable conditions including but not limited to physical assault, XXXX and XXXX in common area, open drug use in the hallways that were never addressed by the apartment. 
XXXX I created work order about multiple holes in the walls caused by bad construction quality ( popped nail heads ) and shaking wall due to loud music from my neighbors. They attempted to fix it but the holes came back XXXX I created another work order and they said they will fix it once I move out as I will move out soon after Until I moved out around XXXX I lived with holes in my walls As I moved out they forced me to pay for professional cleaning even though there's no such clause in the contract. 
After I moved out I received final statements with the unexpected charges such as fixing the walls. When I asked for clarification through email, they called me and threatened to just sell the debt to a debt collector. 
XXXX They sold it to a debt collector When I contacted the debt collector, they didn't even attempt to verify the legitimacy of the balance and report it to mess up my credit report. 
The amount is small so I can't bother going to court but their practice is unethical and deplorable. I need help getting the collection mark removed from my credit report and adding data point to raise awareness to help others not getting advantaged by the same people.
Product: Credit card or prepaid card

I closed this Aspire XXXX XXXX  Credit carsd account several weeks ago due to fraudulent use by an unknown person, and was told by an employee that I could not re-activate it until the end of the billing cycle, today, XX/XX/2022, but today all I get is that there is a payment of {$270.00} due but no one in the XXXX or XXXX knows what the balance is for, and until the card is reactivated I can not sign into the account on-line, and I do not receive paper statements, so now, they are going to start charging me interest at XXXX XXXX  or more, AND REFUSE TO TURN MY CARD BACK ON unless I make a Payment I may not actually owe, and I do not know whether it is better to make the payment for an unknown charge and then demand a refund for it, or file a complaint with you.. 

I not only made multiple calls to their number, which does not go to their offices in XXXX, XXXX but to the XXXX, and even one that was answered in XXXX, XXXX. I THINK THE ONLY WAY THIS OUTSOURCING IS EVER GOING TO CHANGE IS IF AMERICANS DEMAND CONTACT INFORMATION THAT IS NOT OUTSOURCED. 

I think all American citizens are getting tired of banking and credit card companies outsourcing customer service to offshore companies, and then being asked to provide personal information before they even attempt to provide assistance. And if you ask for a statement they have no way to send it to the United States, they claim, but my fax number works just fine from any country as long as there is a " 1 '' in front of my US number, and my email also works from any country. It just excuses for lack of service.
Product: Mortgage

On XX/XX/2021 I refinance my mortage from Homepoint financial to XXXX. 

The main reason of refiancing was to lower my interes rate which did to XXXX and to pay of the florida partial laim of XXXX withc i was told they did. 

Apprently Homepoint did not send the payment of my partcial claim. 

Please I need your help how can they lie to me above something like that. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX was in charge of my refinacing. 

something is not right. 

thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. On XX/XX/22, I informed the credit bureaus that an account from XXXX XXXX on my credit file does not belong to me. I have never extended credit there. The Fair Credit Reporting Act says that any time a consumer notifies the consumer reporting agency of any type of information that is a result of alleged identity theft, it must be removed from the consumer 's credit file within XXXX business days. The account is still on my credit file. Also, no account can be furnished on my credit file without my written permission. I did not give XXXX XXXX written permission to furnish an account on my credit file. My rights as a consumer are being violated. I will not allow this to continue.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my XXXX  have been XXXX  online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Product: Credit reporting

putting improper information on my credit report that is not trues. I ask them to provide me documentation. they said they have to look for it been waiting for months never given.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The Experian and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020 XXXX  Date of inquiry XX/XX/2020
Product: Credit reporting or other personal consumer reports

Upon checking my Experian credit report I noticed my ( XXXX-account # XXXX ) the balance has not been updated even though I just disputed it with Experian credit reporting agency and they stated account is up to date. Even though I provided support documents to prove otherwise. I will upload documentation from XXXX XXXX  showing my new balance as I have began to pay them off and this account shows about XXXX late payments as well please fix account history thank you and balance as well!
Product: Credit reporting

For years I have been trying to get a copy of my credit report from Equifax to no avail. Whether online or by mail they always have an excuse.
Product: Debt collection

This debt was paid through XXXX Hospital, the entire balance was paid in XX/XX/2017, long before it showed up on my credit report. I received several calls from a collection agency after the fact, after the bill was paid off in full, stating that I owe for this bill, I explained to them that it was already paid through XXXX  hospital, I called and confirmed this with XXXX  Hospital and they show no open bills. XXXX hospital told me that they showed no balance and that they would contact collection agency and let them know, that the bill was resolved and they instructed me to disregard their calls.
Product: Checking or savings account

I would have funds iny account and an automatic payment would come out or the balance would change and I'd be over dawn and a day later I'd have overdraft fees or {$40.00}. They fixed it once but I just paid the fees after that. It happened about 5 times after that. I'm unsure of dates and amounts.
Product: Mortgage

My property taxes were under an escrow account for more than XXXX  years with Bank of America. 

Until I recently found out, after a title search revealed that when Bank of America was supposed to be making timely payments from my escrow account, they did not. The lack of a timely payment caused a property tax lien to be placed on my property. The property tax lien by no fault of the property owner but due to Bank of America failure to pay the taxes in a timely manner unbeknownst to me ( the consumer ) had been on the property for a few years.

It was only discovered by a recent title search and I was never contacted by Bank of America about this tax lien. I contacted the Taxing authority to take the necessary steps to get it removed.

After that, I had the escrow removed from my account since Bank of America was not responsible enough to pay the taxes in a timely manner and failed to even disclose that a tax lien was placed on the property.

How many other consumers is this happening to?

I will Never have Bank of America escrow my account again.

I recently received a letter from Bank of America notifying me about I havent paid the property taxes and they may step in and pay them and in turn set up an escrow account.

Its so hypocritical for Bank of America to send me a letter after they did nothing for years about that property tax lien filed against my property while under their care to escrow.

Tell Bank of America that the remaining balance of the property taxes will be paid. I have been in contact with the Taxing Agency and no action such as a tax lien has been filed against the property. The property is not subject to foreclosure ( risk ) due to delayed payment of taxes. Therefore, I do not under no circumstances consent to Bank of America escrowing my account since they have proven to fail to pay the taxes causing a tax lien to be placed on the property. 

Just leave my account as it is, where no taxes are escrowed.
Product: Payday loan, title loan, personal loan, or advance loan

I contacted OneMain Financial asking for a business loan and it was processed as a Debts consolidation loan, when I was very clearly not in debt. 

I allowed a titles loan on my owner/payed out car and continue on to use for business which of course failed and I began struggling with payements. 

Furthermore, my vehicle broke down and I could convince any Onemain Financle tel. Agent to help me with an extra bit of loan to repair the car and remain in good standing with them. ( Getting to work, and if I had no options, they wouldnt repo a broken car ) Ive spoken to other Onemain financial tel. Agents since this problem and they simply apologize. 

In the end I still have a delinquent standing with my loan payements which furthers my issues when asking for help from any other branch. 

XXXX
Product: Money transfer, virtual currency, or money service

I received a check of {$1100.00} on XX/XX/2022, from an individual who bought my item on XXXXXXXX This individual overpaid for the item in excess of {$920.00} and for that reason he asked me to refund him the balance after I deposited the check. I made the deposit through Navy Federal Credit Union app on XX/XX/2022 and an amount of {$220.00} was made available pending the clearance of the check. The remaining funds was made available after the next business day which was XX/XX/2022 which made me to believe the check was good because according to their mobile check deposit " Funds are available within 1 to 5 business days ''. However, this individual asked me to send the excess amount to two individuals on their XXXX account. First transfer to XXXX was an amount of {$220.00} and the second was {$690.00} after the check was cleared by Navy Federal Credit Union. 
On XX/XX/2022, Navy Federal withdrew my funds of {$1100.00} from my checking account so I called their customer service and also went to their branch in XXXX for explanation and according to them the check was bad. 
I am filing this complaint because my bank could not protect my funds in this situation since they allowed the check to be cleared in the first place and could not detect the check was a scam.
Product: Credit reporting or other personal consumer reports

Equifax has illegally REINSERTED ( 6 ) accounts without providing proper notice to XXXX XXXX ( ME ) in violation of the FCRA. 
I disputed via CFPB # XXXX and received results on XX/XX/XXXX stating : Trade : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating the ( 3 ) accounts were Deleted and NOT CURRENTLY reporting on my Equifax credit report. ( See XXXX ) Additionally, I disputed via CFPB # XXXX and received results on XX/XX/XXXX stating : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating all ( 3 ) were DELETED and NOT CURRENTLY reporting on my Equifax credit report.

Unfortunately these account are currently reporting on my Equifax credit report today XX/XX/XXXX. I am a subscriber to credit monitoring service.

My initial disputes both times were submitted because my PRIVACY RIGHTS have been violated!

FCRA 602 states I have a right to privacy and FCRA 604 ( a ) ( 2 ) states a CREDIT REPORTING CAN NOT furnish an account without written instructions from the consumer.

Equifax has illegally REINSERTED these 6 accounts listed above and additionally in ( Screenshots attached ) Equifax FAILED by illegally REINSERTING the accounts without proper notice being sent to me. 
ALL ( 6 ) of the accounts intially were disputed because ALL of the accounts were illegally PUBLISHED / FURNISHED in violation of FCRA 602 and FCRA 604 ( a ) ( 2 ) thereby in violation of my privacy because Equifax failed to attain written instructions from XXXX XXXX ( ME ) Federally Protected Consumer who is fully aware of my consumer rights that these 6 accounts should not at any point have been PUBLISHED/FURNISHED without my Permission/Consent and or WRITTEN INSTRUCTIONS.
Product: Money transfer, virtual currency, or money service

I was approved for a loan with XXXX After getting approved, I waited 2 weeks for the money to be distributed. However, they were not. When I called the company, they assured me it would be resolved after I provided some additional documentation. I waited another week and called back to see what is going on. This time I was told that their tech team was looking over my account and would call me back. I logged in today and their dashboard shows my loan as approved but I still haven't received any information as to why nothing is being distributed. I then contacted customer service via email who keeps telling me that my account does not match anyone with a loan even though I have talked to people on the phone multiple times at XXXX. At this point, I just want someone to call me from XXXX so they can just cancel the loan or tell me why the money is not distributed yet. I have not been able to talk to anyone at this company so far, I have asked them to just call the number listed in the account for the Loan. However, they keep saying they can't call me since there is no account associated with my email. I am not sure what to do at this point so I'm filling out this form. Thanks. My loan number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXXXXXX XXXX  XXXX account was closed by XXXX XXXX, due to the fact that XXXXXXXX XXXX XXXXXXXX is no longer in business. This cause my credit score to drop. I has not be penalized for the company going out of business especially seeing that my account was always in good standing.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX I contacted the data furnisher company XXXX XXXX at that time I filed a dispute on the following accounts that are being reported as XXXX. XXXX XXXX XXXX XXXX ACCOUNT NO # XXXX and XXXX XXXX XXXX  account no. # XXXX. On XX/XX/XXXX I received a response to my dispute stating that has of the date of the letter they forward me that this account had been deleted XXXX more they furnish me with a letter to contact the following credit bureaus Equifax XXXX XXXX XXXX and XXXX that they furnished this inaccurate data. At that time I filed disputes with XXXX, EQUIFAX, and XXXX  on XX/XX/XXXX, I also forwarded them a copy of the letter that was furnished to me by XXXX XXXX proving that these accounts had been deleted. In my dispute to these credit bureaus I requested that these accounts be deleted because the data furnisher company that had provided them with this inaccurate data had deleted these account that they were reporting on my consumer report. On XX/XX/XXXX and I received my XXXX credit report file number XXXX and my XXXX credit report file number XXXX saying that there investigation was done and the results were that the creditor updated this information. How could this be when I have XXXX letters from the data furnisher stating these accounts have been deleted.. Please investigate this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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 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, NY XXXX, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9900.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9500.00}
Product: Checking or savings account

I am a Bank of America customer for over four years now. I get a government pension check deposited monthly. A law firm filed a court document to discover my assets. The firm sent a letter to BOA Legal Dept. that stated if the funds are from a pension DO NOT HOLD. Well, BOA did and my funds are still on hold. BOA knows my check is from a pension, they send me an email when my deposit is made.

I am a XXXX  on a limited income. I need my funds released ASAP Amount : Account : PERSONAL CHECKING/SAVINGS ACCOUNT - On : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX BOA 's legal dept has the forms that was sent to them. 

I NEED HELP!
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction and concern regarding unauthorized hard inquiries made on my credit report by your company. I recently discovered that my credit report reflects inquiries f without my explicit consent. 

The unauthorized hard inquiries have raised significant concerns for me, as I value the privacy and security of my financial information. I am well-aware of the potential impact these inquiries can have on my credit score and overall creditworthiness. 

Details of the unauthorized hard inquiries are as follows : 1. XXXX XXXX XXXX Inquiry : XX/XX/XXXX 2.XXXX XXXX Inquiry : XXXX XXXX, XXXX I have not engaged in any transactions or agreements with your company that would warrant a hard inquiry on my credit report. It is essential to highlight that such inquiries were conducted without my explicit authorization, violating standard protocol and ethical business practices. 

I request immediate action to rectify this matter, including the removal of these unauthorized hard inquiries from my credit report. 

I understand the importance of credit inquiries for legitimate purposes, but the lack of transparency and authorization in this case is unacceptable. I trust that you will address this matter promptly and take the necessary steps to ensure that such incidents do not occur in the future. 

I appreciate your immediate attention to this matter. 

Sincerely, XXXX XXXX.