23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Credence Resource Management ( CRM ) has reported a derogatory account of {$490.00} on my credit report, and I was never notified of this debt before it appeared on my credit report. I have initiated multiple disputes, addressing the failure to notify me of the debt and the lack of proper time allowed for disputing inaccurate information. Despite informing XXXX and XXXX of these violations, they persist in conducting automated investigations and refuse to comply with Fair Credit Reporting Act ( FCRA ) Regulations. 

On XX/XX/XXXX, I filed a complaint against CRM with the XXXX XXXX XXXX XXXX XXXX XXXX. Several weeks later, on XX/XX/XXXX, CRM updated the balance to {$320.00} in response to my complaint. This swift adjustment suggests a lack of thorough investigation by the credit bureaus and indicates CRM 's uncertainty about the accurate debt amount. 

In my response to CRM on the same day, XX/XX/XXXX, I requested concrete proof of debt notification and validation. However, their response on XX/XX/XXXX failed to provide any evidence of notification, no certified mail receipt or anything. Instead, CRM presented a validation of debt that contradicted the amount they had reported just eight days earlier ( See supporting Evidence ). 

Despite previous disputes that returned as verified, XXXX failed to update the status to " in dispute. '' It is apparent that the debt was not {$490.00} or {$320.00}. As of XX/XX/XXXX, an additional {$130.00} has been removed, reinforcing the assertion that the debt is neither accurate nor valid, as previously outlined in disputes that were disregarded ( See Supporting Evidence ). 

Additionally, XXXX 's failure to update the status to " in dispute, '' despite multiple investigations they claim to have conducted, and the reporting of the date of last activity in different years for both XXXX and XXXX further solidify that none of the involved parties are performing any meaningful investigation or verification.
Product: Credit reporting or other personal consumer reports

This is my second-time requesting 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 XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2024 I visited XXXX XXXX XXXX website at XXXX XXXX XXXX  and completed a new customer savings account application. Almost at the end of the process, the system prompted me to follow the steps to complete the online money transfer online, which I completed and it confirmed that the accounts were linked. Right after that, I got a message saying that my application was denied and to call a number for further assistance. I called XXXX on XX/XX/2024 a courteous banker XXXX attended my call. I explained the issue to her. She placed me on hold and investigated, however all I got was that the system detected some red flags on my record. I told her that I do not understand what the problem might be since I do not have any knowledge of any financial issues in my record whatsoever. I do not have bad credit either. She transferred me to a XXXX line. I left a message to XXXX XXXX or XXXX XXXX. I have not heard anything from them since. I am a school teacher in California and I do not owe a lot of money to anyone or have any financial issues that I can think cause red flags on my record. I would like to hear from XXXX XXXX XXXX what is the real issue for the account application denial.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

***UPDATED INFORMATION FOR COMPLAINT # XXXX ***THIS IS NOT A DUPLICATE COMPLAINT*** ***DO NOT CLOSE AS DUPLICATE*** My name is XXXX XXXX  XXXX, and I am a Federally protected Consumer. I am initiating this complaint in order to address the unfair, impartial, and inequitable behavior of the consumer reporting agency EXPERIAN in regards to how it is currently furnishing my personal identifiable information. I have provided specific written instructions pursuant to [ 15 USC 1681b ( a ) ( 2 ) ] regarding what personal identifiable information I have authorized to be furnished on my consumer credit report and EXPERIAN has deliberately and willfully failed to comply and is once again in violation of the FCRA. EXPERIAN as a consumer reporting agency governed by the FCRA has no authority under Federal Law to willfully and deliberately ignore the specific written instructions of the consumer made pursuant to [ 15 USC 1681b ( a ) ( 2 ) ] regarding what personal identifiable information is authorized to be furnished. EXPERIAN is now willfully and deliberately reporting INACCURATE INFORMATION on my consumer credit report in violation of the Fair Credit Reporting Act by failing to furnish information in accordance with the written instructions of the consumer. It is hereby required under Federal Law that this agency immediately remove or delete the following unauthorized personally identifiable information : UNAUTHORIZED ADDRESS : 1. ) XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX
Product: Checking or savings account

MY FUNDS BEING TAKEN MOVED FROM ACCESS WITHOUTMY APPROVAL I CANT ACCESS MY FUND i have been robbed lied too they stole my benefits nothing to with chime its banks being stride bank XXXX bank i can not get a direct answer where my funds are nor will they refund my funds they told me that will be refunded back to me and why they moved my funds into secure accounts without my permission to where i have no access to them why my funds I transfered to a separate bank for safe keeping on every time i tryied to transfer the tranfer was interupted every single time to protect my retirement money upon the return of my funds to my chime checking from the unsucessful attempt of me sending my funds to a different bank chime would move the return funds toa secure account i had no access to and now tell me theres no funds to be refunded to me i am the victum of fraud theif and i need help they stole my social security XXXX backpay i needed to get housing transportation and to live on this is my money i worked hard for put away for me to relie on to support myself they stole and its a chase your tale no answer take control and take control of customer money i am set
Product: Mortgage

On XXXX I purchased the property at XXXX XXXX XXXX, XXXX XXXX, XXXX A XXXX at a XXXX XXXX XXXX at the steps of the XXXX XXXX XXXX 
I purchased at second XXXX XXXX on this property which was subject to the first XXXX XXXX of record by XXXX XXXX XXXX XXXX XXXX, XXXX Ohio XXXX XXXX my XXXX XXXX Upon Sale on XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX 
I have asked the company many times over the past few months about getting a payoff of the loan or how to make payments to them I have given them my information about being the new owner of the property but this company says the loan is not in my name and can't give me information. 
Please help so that I may resell the property and pay them off through escrow Thank you, XXXX XXXX PHONE : XXXX P.S. Does not XXXX have a time requirement for communication and penalties for not doing so?
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudalent inquiries are reporting on my Transunion credit report. I contacted the company to resolve this issue with no success. A report is attached.
Product: Debt collection

I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. There are inaccuracies that existed on my credit report. This account was already been removed by the other bureaus because of its inaccuracies and a charge-off account should have a balance of XXXX, not {$2200.00}. Also, the date last reported on the credit report is inaccurate or outdated ( XX/XX/year> ). This is clearly a violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Product: Credit card

Every time I have a XXXX balance on my Macy 's credit card, I get a {$2.00} charge. For what? I have called and they say I do not have to pay it, yet, others who have n't paid, had it accumulated and then got charged late fees! So I pay it, but it is n't right. If I have a XXXX balance, then I owe, NOTHING. Also, I noticed in collecting my bills to file this, I have been charged {$2.00} on top of interest!
Product: Student loan

I defaulted on a Federal Student loan. The XXXX XXXX XXXX XXXX has sold the loan to National Recoveries. The loan principal is {$65000.00} an the interest is {$5200.00} and Fees are $ {$17000.00} all of which total {$88000.00} plus everytime I try to talk to the collection agency the amount increases. I am on XXXX from work since the beginning of the year and let the organization know this. Everytime I try to negotiate and speak to someone, I 'm informed that no one is available to help me at the time of my call. I feel like I am being taken for a " ride ''. I have been threatened with Wage Garnishment of 15 % by the end of next week. I am not disputing that I owe my defaulted loans, I dont want to be a consumer that is taken advantage of. I have been investigating the company an I see that the XXXX XXXX XXXX XXXX has dis-continued their contract with National Recoveries. HELP!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX these accounts below has violated my rights. 

Account Name : XXXX XXXXXXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXXXXXX XXXX  Account # XXXX Account Name : XXXX Account # XXXX 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 a account without my written instructions.
Product: Credit card or prepaid card

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. This just proves your lack of proper record keeping. Now, this item is reporting to be 30,60, and 90 days past due, yet it is closed and the balance is XXXX. Lets correct this immediately. You are required to verify for yourself but I will go ahead and remind you that this account was paid, closed and no longer active and should have reflected a status of CLOSED.
Product: Credit reporting

I have a problem with XXXX and Experian they both keep sending me the same response need more documents. I have sent them countless of these attached proof of identity to these companies and they still ignore to dispute any of my disputes. it has been over XXXX to XXXX to a year that they are ignoring my disputes. XXXX has been the worst I called someone on the phone and I asked them about the dispute of that Bankruptcy XXXX on my report. they said it has been stuck in the system for while and it has n't been disputed. So i asked them to take it off because it has been over a 5 months and they refused. Experian just sends me letters of needing more proof. 
Also they have XXXX different names addresses on my credit report that do n't belong to me.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Unauthorized Hard Inquiries Dear Whom It May Concern, I am writing to formally request the removal of certain hard inquiries on my credit report that were made by the following : XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX  ( Finance ) XX/XX/XXXX I have verified that these inquiries were made without my authorization and did not result in any services being provided to me. 

Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or unauthorized information on their credit reports. Inquiries must be made with my consent, and since I did not authorize these inquiries or receive any services in return, they do not accurately reflect my credit behavior. 

I kindly request that you conduct an investigation into these inquiries and remove them from my credit report. I have attached copies of my credit report with the unauthorized inquiries highlighted for your review. 

Thank you for your prompt attention to this matter. I look forward to your response confirming the removal of these inquiries. 

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

I went to XXXX XXXX XXXX in XXXX California from XXXX to XXXX. The location closed. My original loan was through XXXX XXXX, then XXXX and now Department of Education. I am now an income-based repayment plan which is been very low or zero and so Ive now I have accrued over {$20000.00} in interest in the last XXXX years. I didnt start making more than my loan until XXXX! 

Even the Department of Education is giving awesome repayment plans but it just keeps the interest stacking up. So I have got to pay it for 20 plus+ years before I get forgiveness unless I work for a nonprofit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

In 2018 i refinanced my house with quicken loans. I owed XXXX to Barcley 's bank for a credit card. XXXX wrote a check to Barcley 's for the total amount due of XXXX payable to Barcley 's. I sent Barcley ; s the check and the debt was declared paid in full by Barcley 's. Apparently Barcley 's had hired a collection agency named XXXX for my debt. I have no recollection of dealing with XXXX, but either Barcley 's failed to notify XXXX that they received payment or XXXX failed to remove it from the credit bureaus because I have just refinced my house again with XXXX to get a lower interest rate and once again they have made another check to Barcley 's for the same XXXX. I have now had to pay Barclay 's twice for the same debt. XXXX 's tells me I will have to contact XXXX. However, my Check is made out to Barcley 's  and since I don't owe the XXXX Barcley 's will have deposit the check and reimburse me. Barley 's or XXXX XXXX should have removed this debt from the credit bureaus so I didn't have to pay it twice, If you could help me clear this up I would appreciate it.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXXXXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft on several occasions and learned through the process of disputing fraudulent accounts opened in my name that I was among the victims of the XX/XX/2017 Equifax data breach. 

Equifax refuses to provide a simple document stating this fact -- that I am among those victims. 

It is necessary for me to have such a document, as I am enlisting in the XXXX XXXX, and I was asked to provide evidence that I am the victim of identity theft. 

This is a fairly simple request, yet Equifax transferred me multiple times to multiple different departments, and no representative was able to help me. 

It is especially egregious that my request for such a document isn't being fulfilled since the very website of the data breach settlement administrator shows that I am, in fact, a victim of the breach. ( see attached PDF ) Moreover, Equifax 's online interface does not provide a digital record of past disputes past 30 days, and the company says it can only mail such documents. This is unacceptable in the digital age.
Product: Checking or savings account

Citibank on or about XX/XX/2022 sent communication to my residence stating that they were closing my account without explanation as to why. I am out of the country so I did not find out until later. I immediately demand return of my substantial moneys in that account without delay. In addition to this complaint I will be seeking relief through state and or federal court once I figure out the proper venue. This is unacceptable They would not provide any explanation and I believe they are withholding the intro bonus to which I should be entitled. All k ever did was make some transfers between brokerage accounts such as robinhood and their in house citi self directed investing. They have numerous complaints on Internet forums and anecdotes claiming they do not return money promptly XXXX I do not want to become a casualty of this.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trailXXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX accord and XXXX XXXXs.
Product: Debt collection

The collection company claims I owe {$760.00} to XXXX for damaged phones returned by mail. Tracking # 's attached. They were not damaged when I sent them. No one reached out to let me know they were received damaged and I owe money. If they were, please provide proof they were damaged.
Product: Checking or savings account

I am writing to file a complaint against USAA regarding the overdraft fees I have incurred. Despite having sufficient funds when transactions where authorized, I was charged fees due to lagged posting of charging and credits. This issue aligns with the CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I belive these practices are unfair and an investigation into my account transactions.
Product: Mortgage

I am a co-owner on my residence located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX with my mother, XXXX XXXX, who is now deceased. At the time of the closing on XX/XX/year>, my father was also a record owner. He is also now deceased. I signed the mortgage documents as a co-borrower. 

The loan was underwritten through CrossCountry Mortgage, LLC located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I will attach a copy of the Closing Disclosure form. 

The closing was conducted by XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

The loan representative for CrossCountry Mortgage was XXXX XXXX. Another representative involved in the closing was XXXX XXXX. 

My parents were both born in XXXX and spoke XXXX as a second language. The reason for the refinance was to keep the monthly payments about the same while allowing some cash out in order to pay other bills. My father was XXXX  at the time of the closing and my mother was working XXXX XXXX XXXX years of age. 

The rate on the prior mortgage was 4.125 %. Again, the refinance was undertaken to realize some equity in the house to pay other bills, but keep the payments roughly the same. This meant extending the term for some years, which was fine At all times during this issue I resided with my parents in the home. It is my only residence. 

CrossCountry Mortgage stated that we could have a payment of {$1700.00} with a rate of 5.563 %. We were told that this payment included our property tax bills.

Later, we discovered that the real estate taxes were not included, which resulted in a new monthly payment of over {$2000.00}. Had we been quoted this figure prior to closing, my parents and I would have never gone through with the refinance closing.

My parents, being immigrants, as well as trusting individuals relied on the honesty and integrity of CrossCountry Mortgage. 

I realize now in scrutinizing the CD closely with the help of a real estate attorney that the taxes were not in escrow. This contradicts the express promises made to our family by the two representatives of CrossCountry.

One year later, CrossCountry contacted us to say that the taxes hadn't been paid and they were now forcing us into an escrow account and claimed that there was more than {$6000.00} owed retroactively. To say this was an unpleasant surprise to my mother is an understatement. 

We never would have taken this loan at a higher rate than our existing mortgage had we been told that the payments would exceed {$2300.00} a month. We accepted the higher rate with CrossCountry on their express promise that our payments ( with taxes included ) were going to be around XXXX XXXXXXXX. 

My mother has now passed and I live in the house alone. I can barely afford to make these monthly payments and of course regret relying on the verbal promises of unscrupulous brokers.
Product: Credit card

I was the victim of identity theft. This is a formal dispute to support my position and claim. 
Below is the information you need to remove or block this account from my report. Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. AMERICAN EXPRESS XXXX