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

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CAPIO PARTNERS XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CAPIO PARTNERS LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Although, the XXXX credit reporting agencies, Experian, XXXX and XXXX have removed a {$290.00} XXXX account two times. However, the {$290.00} XXXX account shows up again with a different companies and it is reoccurring on my credit file with all XXXX  companies. Most recently I have found that this account is now with XXXX XXXX XXXX and indicates that it was opened around XX/XX/XXXX, when the errant delinquencies has been removed and reappearing now, XXXX times, since XX/XX/XXXX. Again, these were not services that I received, as I sold and moved to another state in XX/XX/XXXX. XXXX was notified by phone and through my online account that I had sold my home and was moving in XX/XX/XXXX. I did provide tangible information and proof of payment to all XXXX  credit reporting agencies. I am attaching my correspondences in this compliant.
Product: Debt collection

sine and wiener placed an illegal collection on my credit reports that I do not owe. Ive never done any business with this company nor has the company provided any proof I owe the debt.
Product: Student loan

Aidvantage and XXXX have reported negative and adverse past due payment histories multiple times on all three of my credit reports. I was told that I was in forbearance, due to being unemployed at the time, and that my account would be in good standing. My credit has been adversely affected by their fraud. I have copies of all three credit reports would really appreciate any help I can get, as I can't buy a house, get a loan, or anything. Thank you in advance for all your help.
Product: Credit card or prepaid card

Barclays Bank and Visa refused a card benefit they advertise. Details are as below. 

I am a holder of a XXXX Visa Card ( credit card ) issued by Barclays Bank. The bank claims that all card holders are covered by their " Cellular Telephone Protection '' program as long as monthly bills are paid through the card. However, when I tried to file a claim, Visa told me that this credit card does not have such a benefit. Barclays Bank initially tried to resolve this inconsistency, but now they stopped attempting to resolve this issue, saying : " While the coverage is covered through Visa, it is at their discretion on whether a phone is covered for the insurance or not. We apologize for any inconvenience this may cause, but we will not be able to assist you any further on this matter. '' I started to use this card purely because of this benefit, but now the card issuers deny the benefit.
Product: Mortgage

I inherited Nationstar mortgage company- they were not who I initially financed my home with. I have had problems with them since the first month they took over my loan. The first thing was, I have a XXXX. I am in and out of doctor offices, etc. I had paid all my payments on time until one summer when I was able to pay only half and worked out an arrangement to pay other half by end of month. No one ever explained to me that that money would go into a " suspense account '' and would NOT be applied to what I owed! When I went to pay off the months balance, I was given the entire months rate PLUS the next month. When I asked what happened to the half I had already paid, they then explained the suspense count but REFUSED to let it be counted toward what I owed- so in the meantime, they were racking up on late fees and increased interest rates. It has been one problem after another, but this last issue is IT for me- XXXX. I go on XX/XX/XXXX for XXXX. Although my life has literally been turned upside down, I have STILL tried, to the best of my ability, to pay my bills. I made a payment to Nationstar on XX/XX/XXXX and authorized that payment to be taken from MY bank account ( which should have been the ONLY account on file since I pay for this house ), however, my husband and I keep separate accounts and he had made ONE payment for me when I was very sick but did NOT approve keeping his information. Nationstar deducted the mortgage out of his account rather than mine WITHOUT his authorization!!!!! Whether his information was in their system or not ( which it should n't have been since he did n't give them permission )!! I have attempted to rectify this situation but the people you speak with there are rude, disrespectful, uncaring and unwilling to help you WORK OUT A PLAN SO YOU DONT LOSE YOUR HOME- especially when you have been a paying customer for all of these years other than when you are hospitalized or at home so sick that you ca n't even get out of bed- I am tired of this company and their practices and someone needs to look into what they charge their customers and what they actually do with money paid and how they keep other people 's account information on file so they can use it at anytime they please!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

SEVERAL ERRORS ARE APPEARING ON MY CREDIT REPORT AND I'M TRYING TO PURCHASE A NEW HOME FOR MY FAMILY. THESE ACCOUNTS SHOULD NOT BE ON MY CREDIT REPORT.
Product: Checking or savings account

I became US Bank 's new customer more than three months ago, I opened checking and savings accounts because I learnt good promotion from the store manager when I opened both accounts : if I deposited XXXX dollars within 60 days and made two payments more than 25 dollars through the billpay function, I will have XXXX dollar back within 60 days and then I checked US bank website, the promotion is indeed there. However, now I have contacted US Bank branch as well as the customer services center, neither of them acknowledged I am qualified for the bonus on my checkings account because I only made one payment through the Billpay function, then I checked my payments and found I did make two payments, both of them are more than 25 dollars and within 60 days through the billpay function but one is online and another one is through my phone. Both of them are equipped with the same function under the billpay, only the one made online qualified'Is it because US Bank subsidize another company for its mobile app '?? If so, the responsibility should not be taken by its customers.
In addition, the branch manager XXXX did not inform me the online banking and mobile app are two separate payment methods.
Product: Checking or savings account

My account has been hacked with Navy Federal. I have been a customer with Navy Federal since XXXX. I had XXXX personal accounts with Navy Federal. Along with XXXX business accounts with Navy Federal. Once my account got hacked I have only had problems with this bank. I got paid from a customer and deposited a check in my XXXX account XXXX  XXXX XXXX which made my account negative. That account was cleared up before Navy closed all of my accounts including my credit card which damages my credit. I will be complaining and filing complaint issues to several State entities because this is wrong. I am not the issuer of the check if someone writes me a bad check. This check went into XXXX account which effected all of my accounts. This issue has caused a huge headache with bounced payments and more. I have been treated like this because I am a XXXX man. Everytime I had issue with this bank and I go to any branch it was a problem. I have nothing to do with the banks view on other people. I am jusrt trying to bank responsibly if allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNTS ON MY CREDIT REPORT ARE UNVERIFIED AND UNAUTHORIZED.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. XXXX and XXXX must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to investigate and correct for erroneous reporting in my file and is listed on my credit report. Please correct the status of the account below : AM HONDA FIN XXXX Balance : XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute and also supplied them with supporting documents in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Product: Debt collection

Worked for XXXX in approximately XXXX. Was under 10 month contract. Completed contract. Three years into working for another company I got bill in the mail from XXXX. 

So, I Called for an explination. Was told it was taxes on schooling. Was told not to worry about it, and never received a bill again. Now XXXX, I am working my credit to purchase home and noticed this is negatively affecting my credit report. I do not owe XXXX anything, I finished my contract, had them deduct the housing cost from my pay each week as in the contract, and drove for them for 10 months as in the contract. 

The collection agency is Lockhart, Morris & Montgo, opened on XX/XX/XXXX. according to credit report from XX/XX/XXXX until XX/XX/XXXX {$72.00} was owed, then in XX/XX/XXXX until present {$52.00} was owed.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

I filed a dispute with capital one bank which is on my report but this is a fraudulent account. I never owned this account but after the dispute it was noted that this account was found to be accurate and correct when in fact it is not. It is impacting my credit score
Product: Mortgage

Wish to report a Reg X violation on Fifth Third Bank. 
We closed on a home mortgage for our property. The estimated Escrow was $ XXXXmonth. 

Our estimated taxes and insurance for the year are projected by Fifth Third Bank to be $ XXXXyear. Our receipt of the Proposed XXXX Tax Assessment is between $ XXXX {$4500.00} with a current insurance premium of {$1400.00}, which would put our XXXX & I range between {$5700.00} and {$6000.00} which is considerably less than Fifth Third 's estimates. 

We had put down {$4700.00} to escrow on closing. Fifth Third Bank is charging us $ XXXXmonth in escrow. With this value, we will pay approximately {$22000.00} over 12 months for escrow to cover an ~ {$8400.00} Tax and Insurance bill ( using Fifth Third 's higher estimate ). This value is well in excess as allowed by Regulation X 's 12 CFR 1024.17 ( c ) ( 1 ) ( ii ) regarding the amount per month they are charging that is well in excess of the XX/XX/XXXX of the annual amount plus 2 months of buffer. This is even well of excess of the XXXX max limit allowed by regulation. 

I had contacted them on XX/XX/XXXX and requested an escrow analysis. It was declined since they would only perform a new one if the tax projections changed. I called again on XX/XX/XXXX and spoke with an escrow agent and their manager. They both walked through the numbers and said it was high, but the values " were accurate '' even though the manager could not make the numbers work. I asked again to do an escrow analysis, but she said it would most likely be denied again unless the tax projections changed, and I would have to wait until XXXX of next year. 

Their initial books said that when they acquired our mortgage from another company that they would perform a new escrow analysis within 90 days of Fifth Third Bank taking on the mortgage.
Product: Mortgage

My loan was transferred to Seneca Mortgage Servicing LLC ( NMLS ID XXXX ) effective XXXX/XXXX/2016 from another loan servicer. The Seneca Mortgage Servicing LLC transfer letter indicated I could use my bank 's bill pay program for payments. However, Seneca Mortgage Servicing LLC rejected XXXX bank bill payments scheduled in XXXX 2016. I called Seneca Mortgage Servicing LLC Customer Service on XXXX/XXXX/2016 and XXXX/XXXX/2016 after the XXXX payments were rejected. The explanations provided by XXXX ( XXXX/XXXX/2016 ) and XXXX ( XXXX/XXXX/2016 ) in Customer Service were not consistent with the transfer letter. I was told by XXXX Seneca Mortgage Servicing LLC does not accept bill pay payments from the borrower 's bank for a newly transferred loan until after the borrower calls and confirms the loan and contact information. I was later told by XXXX my loan was flagged for research. These unique restrictions were not contained in the transfer letter or posted on the Seneca Mortgage Servicing LLC website. Seneca Mortgage Servicing LLC should have accepted my bank 's bill pay payments for a loan in good standing at the time of the loan transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information from my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. Please provide documentation bearing my signature of these accounts. Delete these records if can not be verified. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Debt collection

In XX/XX/XXXX, I reached out to XXXX to notify them concerns of about my meter being hacked and used as a shared meter. My utility bill was consistently 400 % higher than the average for the area. I reached out to XXXX to make them aware of the issue and asked them to look into the matter as shared meters in XXXX are illegal and I can not be held liable for the charges. XXXX never got back to me and I ended up moving out of the apartment and ending my service with XXXX. From XX/XX/XXXX to XX/XX/XXXX I was not in my unit AT ALL, yet received a utility bill for over {$700.00} during that time frame. I have evidence of not being in XXXX during that timeframe. 

In XX/XX/XXXX, LJ Ross Associates attempted to collect the debt from me via phone calls and letters. On XX/XX/XXXX I disputed my debt with LJ Ross Associates via a written letter sent with USPS secured mail. I never heard back from them on the matter. I provided documentation as to why I do not believe I owe the debt. They never called me about it again. 

On XX/XX/XXXX I received a major derogatory mark on my credit report from them for the same matter. I have not received 1 phone call or written letter from them since XXXX, over 2 years ago. They hit my credit report without contacting me at all. They have also not validated the debt. I provided email correspondence with XXXX, the debt holder, on why I do not think I am responsible for the charges. No one from XXXX or LJ Ross has reached out to me.
Product: Credit reporting or other personal consumer reports

My mortgage lender is not able to pull equifax. He gets an error stating fraud reported by consumer I have never submitted anything regarding fraud to equifax. When I call them they say there is no credit report and no history under my information. I have accounts that report to equifax so there is no way I dont have a report from them. I am unable to move forward with the closing of the home I am currently under contract on without this being resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORTED ON XX/XX/XXXX AND XX/XX/XXXX ON MY XXXX XXXXXXXX ACCOUNT. PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER BECAUSE I'VE NEVER MADE A LATE PAYMENT TOWARDS THIS ACCOUNT. PLEASE ADJUST THE LATES ACCORDINGLY AND UPDATE MY REPORT. THANK YOU!
Product: Debt collection

Hi I received the Alerts fr my XXXX XXXX coz someone used my Identity getting renting Apt and Utility bills and cables I called the Company I told them I don ; t live in XXXX XXXX I live in XXXX XXXX for almost 35yrs I have stollen Identity theft and that's my problem right I receiving a lot an open an Acct under my names even buying Cars and also they used my DL # I report this to XXXX and changed my DL #. I called the credit bureau to freeze my Acct coz of this Fradulent Acct under my names some of this peoples using or carry my Identity still out there specially I got report one of Collection under Columbia Debt Recovery in XXXX XXXX that I owe almost {$16000.00} for renting a Apartment and also XXXX  Debt Collection I owe almost {$3500.00} for Cables and XXXX XXXX XXXX 
the4 Cpmpany 's is Columbia Debt Recovery-phone # XXXX XXXX XXXX XXXX-phone # XXXX XXXXXXXX XXXX XXXX XXXX AND ALSO A LOT OF NEW CREIDT INQUIRY UNDER MY NAME
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer services and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Agreement ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I received a promotional offer from Wells Fargo for a {$300.00} promotional credit on a business checking account, paid out if certain terms were met. There terms were : *Deposit {$1000.00} or more into the new business checking account by Day 10, and *Have a {$1000.00} minimum balance in the account on Day 60, and *Make 5 or more qualifying transactions by Day 60 : Debit card purchases ACH ( credit and debits ) Checks paid Mobile deposits Wires ( credit and debits ) Wells Fargo Bill Pay or Direct Pay I applied and was approved for the account, in a Wells Fargo branch on XX/XX/XXXX. The personal banker even called Wells Fargo corporate to confirm the offer and apply my unique offer code. I met all of the criteria well within the timeline allowed. 

On XX/XX/XXXX, Wells Fargo customer service informed via direct message I would not receive the offer because the code was not applied to my account. I am outraged, ripped off, and fed up with their service. I demand to be compensated in the manner which was advertised.