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

Experian keeps reporting unverified and inaccurate information on my credit report. Although through multiple disputes via online and through the mail, Experian has stated that they have verified the account and the information is accurate, however, Experian has not produced any documentation to me ( as I have requested multiple times ) to support investigation. 

Furthermore, I sent via certified mailed a debt validation on XX/XX/2018 to XXXX requesting validation of this debt. I also asked to be provided with any documents with my HANDWRITTEN signature and an itemize invoice ito explain what the charges where for. 

XXXX has failed to provide any documents proving I owe this debt and they continue to report this debt montly on my Experian credit report. XXXX, on XX/XX/2018 I initiated a dispute through Experian online to provide Experian with a copy of my debt validation letter and a copy of the certified receipt mailing and demanded that Experian delete the account from my report due to the fact that XXXX failed to respond to my debt validation letter. 

On XX/XX/2018. Experian provided me my dispute results and claimed XXXX that the information is accurate and the account has been updated on my credit report. 

Experian is not verifying the information being reported by XXXX. I gave XXXX more than enough time to respond to my Debt validation request, but XXXX has NOT validated this debt to me by sending supporting documents of their claim. However, XXXX responded to Experian request WITHIN ( 1 ) day as the debt is accurate and verified. XXXX is breaking the law by reporting false misreprensenting information and I DEMAND that this account be immediately DELETED from my Experian credit file.
Product: Credit card or prepaid card

Was offered an introductory offer on the capital one app. After getting approved the introductory offer of 8 months interest free wasnt applied/or it was revoked. After calling capital one and attempting to gain more information I was told it was a secondary part of the application process that I didnt actually get approved for. I believe this to be false advertisement and misleading representation of good or services. I believe this as an attempt to gain new accounts without providing benefits for those said accounts. XXXX, the supervisor was very unhelpful and essentially told me I was XXXX. Sold out of luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please repair the following accounts completely from my Credit Reports : Accounts : XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Debt collection

Beginning  XXXX / XXXX /2017 started receiving calls from  XXXX . On  XXXX / XXXX /17 they called @   XXXX   XXXX  ,   XXXX   XXXX  . On  XXXX / XXXX /17 they called @   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  . On  XXXX / XXXX /17 they called @   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  . On  XXXX / XXXX /17 they called @   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  .
The first couple of calls I answered not knowing who it was on the line. They do not answer me, I can hear noises in the background like faint voices and phones ringing, but they never speak. If I say " HELLO '' a second time, they hang up. I do not know who it is, what they want. I once tried to call the number back, but it puts you in a calling que ( on hold for the next available person ) but no one ever picks up the line. I 'm really tired of getting these calls especially when they do not leave a message or tell me what   they want. I would like help stopping these calls to my cell phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XX/XX/XXXX XX/XX/XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Mortgage

The homeowner has been trying to get a loan modification since XX/XX/XXXX. During this time OCWEN stated that the application was lost, re-apply. During the period of XX/XX/XXXX a new application was submitted to OCWEN. The mortgage investor is According to our records, the owner of your loan is : XXXX As Trustee For IndyMac INDX Mortgage Loan Trust XXXX, Mortgage Pass-Through XXXX I have applied 2 times since with OCWEN only to be denied : without an explanation for the denial. The latest denial was on XX/XX/XXXX. 
On XX/XX/XXXX A telephone call to my agent : XXXX was contacted to ask why was I denied : answer is that I did not meet the investors guidelines. 
My mortgage went from $ XXXX@3.875 % in XX/XX/XXXX : up to $ XXXX@4.5 % hike in monthly payments and interest rate on XX/XX/XXXX. 
Our mortgage is an interest only mortgage and pays {$12.00} principle for the last 10 years. On XX/XX/XXXX, I filed an appeal and CFPB complaint against OCWEN and XXXX. 
I have a medical hardship and loss of income due to husbands XXXX medical condition. We both are on fixed income. 
The homeowner is qualified and eligible for a loan modification : homeowner was deied when qualified. OCWEN signed a consent agreement with a DOJ penality of XXXX Dollars for wrongful denial of loan modification to homeowner, when qualified.
Product: Debt collection

Santander Consumer USA- PLEASE DELETE After repossession of my vehicle in XXXX of XXXX. There was a 33 states predatory lending class action settlement against Santander Consumer USA. Where Santander agreed to relief my debt. Santander just settled the case last year XXXX. According to the agreement my debt is to be forgiven and the account status updated to a positive. Because of what they agreed to in the settlement this has now became a violation and needs to be corrected within 30 days of receipt of this complaint.. I have reached out to Santander Consumer USA to dispute this matter and they still have not removed this from my credit.
Product: Mortgage

This is NOT a duplicate request. I had contacted the CFPB to follow up on my complaint # XXXX in late XX/XX/XXXX due to a letter received on XX/XX/XXXX. I was informed I could not receive any information as there was not enough information to verify my identify. I am now filing online to follow up. 
I reached out to the servicer, PHH Mortgage Services as I received a debt collection letter from a " purported '' foreclosure attorney, XXXX XXXX XXXX in XXXX, MA. I sent a debt validation letter in XX/XX/XXXX as well as a QWR ( Qualified Written Request ) to the servicer. What I sent to PHH in the QWR is not what I received. I received a copy of pages of outrageous purported billing charges/fees which included services that don't even exist, as well as information that directly contradicts information I was just able to locate in a XXXX tax document, that was from XXXX. Meaning, the information I received in XXXX from PHH for XXXX accounting does not agree with the actual XXXX tax document in my possession nor was it sent to the IRS by the servicer as it doesn't appear on my transcripts that I recently reviewed. In addition, one of the single page documents from PHH was illegible, unreadable! Not sure it's even readable with a magnifying glass! PHH directs me to contact their Research Department for additional information which is the exact address where the QWR was sent, letter is signed as the Research Dept. Interesting, PHH states in their QWR reply, no fraud has occurred. That statement would be incorrect, all the fraud was removed. In the reply, based on the information PHH states it has, PHH failed to state there was a foreclosure in XXXX, mortgage was written off, charged off or XXXX, the foreclosure was void/invalid by the court in XXXX ( in a case brought by the Plaintiff ). Another case was brought by the Plaintiff ( purported XXXX XXXX XXXX XXXX for XXXX ) was dismissed in XXXX ( XXXX XXXX due to the XXXX decision ). In another case brought by the Plaintiff regarding a quiet title action, the court ruled against the Plaintiff in XXXX, the ruling denied the Plaintiff the authority to foreclose, quiet title action decision was in favor of the Defendant/Homeowner , along with title to the property and no encumbrance on the property, meaning title free and clear to the Defendant/Homeowner whom has lived in and owned this property since XXXX! The property is not vacate, no maintenance has EVER been done at the property, other than by this homeowner though PHH recently sent a document reflecting charges/fees for such.
Product: Money transfer, virtual currency, or money service

XXXX XXXXXXXX XXXX XXXX Wired Fund from real Estate transaction on XX/XX/2024 Funds were sent to XXXX XXXX XXXX at XXXX XXXX  XXXX. Citi Bank held Funds until XX/XX/2024, I lost XXXX-days interest on {$740000.00} FED Reference XXXX
Product: Credit reporting or other personal consumer reports

I received a notice that I opened a loan with XXXX XXXX. I have never had a loan with this company nor have I ever applied for a loan with this company. I have asked them to provide proof that this account belongs to me and XXXX told me that they had no proof that this account belonged to be and that XXXX did not provide them with documentation
Product: Checking or savings account

My truist account was taken over by somebody after my wallet was stolen and phone were stolen at an airport i reported this to truist and they did absolutely nothing XXXX was used on my card at atms and food places and they did nothing but spin me around
Product: Checking or savings account

I called BOA back on last XXXX regarding some fraudulent charges that I started noticing in my checking account statement several charges from XXXX XXXX which I had not authorized. I called the bank to investigate such charges and they asked me to send them the form called " Unauthorized ACH Return form '' which I have sent in at least 3 occasions but we have not had any resolution is been a long time trying to resolve this problem and up to now I have not received any resolution.
Product: Credit reporting

Equifax has been remove almost all my account from my fileXXXX HAS BEEN REMOVE # XXXXXXXX HAS BEEN REMOVE # XXXXXXXX HAS BEEN REMOVE # XXXXTXXXX HAS BENN REMOVE # XXXX
Product: Credit reporting or other personal consumer reports

This agency violates 15 USC 1681i.

Notice of results of reinvestigation ( 6 ) -In general, A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

They were to notify me of this in writing 5 days prior, I WAS NOT NOTIFIED. AS THE ORIGINAL CREDITOR, ONLY I CAN VALIDATE THIS DEBT. I DO NOT VALIDATE THIS DEBT, UNDER NO CIRCUMSTANCES. Therefore, the following accounts must be DELETED from my report immediately. Furthermore, it does not matter if the account is listed as CLOSED, CHARGED OFF, COLLECTIONS, LATE PAYMENT, ( ANY NEGATIVE OR ADVERSE ITEM ( S ) OR REMARKS ), ETC
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX and ALLY FINANCIAL completed inquiries on my credit profile, I did not authorize them nor provided anyone with permission to authorize them use of my information, I made contact with the company and XXXX, XXXX to remove these inquiries and all attempts failed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, and Equifax to reinvestigate these inquiries : XXXX XXXX, inquiry date XX/XX/2022 and XXXX XXXX, inquiry date XX/XX/2022. However, they stated everything was complete and accurate. 

But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Respected Officials, I scheduled a payment to my Bank of America credit card ending in XXXX for XXXX XXXX It wasnt completed and there is no trace of that payment in their website. 

I have again scheduled a payment for XXXX XXXX 

The payment scheduled on XX/XX/2021 was for XXXX XXXX  phone bill. I had reported a problem to FCC about XXXX XXXX 

FCC Sun, XX/XX/XXXX, XXXX XXXX ( 1 day ago ) to me from : FCC <XXXX> reply-to : FCC <XXXX> to : XXXX XXXX XXXX : XX/XX/2021, XXXX XXXX  subject : Request received : Inconsistent cellular data policy marketing - Fwd : Slower data until XX/XX/XXXX mailed-by : fcc.gov signed-by : fcc.gov security : Standard encryption ( TLS ) Learn more Thanks XXXX XXXX
Product: Credit card

Hello, My Apple/Goldman Sachs Mastercard account was hacked last week. The perpetrators got into my Apple Wallet and started using my cards. I was contacted by Apple/Goldman Sachs , the gentleman 's name was XXXX XXXX XXXX who said they had to investigate the situation. They blocked the transactions and said it would take a few hours to rectify. Its been now 5 days and all they can tell me is that they are investigating and it will take more time. They says they will call me back at the end of the day and never do. Since then they have locked me out of all my XXXX accounts. They have not been helpful in anyway. I can not get to my email and so I contacted Apple who said they could not help in this situation. I am extremely frustrated at the poor communication and service by the Goldman Sachs credit card unit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were 2 credit inquiries on XXXX XXXX, 2021 by XXXX XXXX and XXXXWestlake Financial Services regarding auto loan. I didn't make any inquire for auto loan application in last one month. I checked my credit score on the same day on XXXX XXXX XXXX website and found these inquires which I didn't recognize. I reported it to XXXX I also enabled temporary credit fraud alert on XXXX
Product: Debt collection

Phoenix Financial Services is reporting two accounts on my report that are not mine. States they are medical bills from another state. I have lived in iowa for 40 years. The account opening date keeps changing but are all sometime in the last year. I have not traveled out of state In years. Ive asked them to provide me proof this debt is really mine and have been ignored. These two collection accounts are the only negative marks on my credit report and its infuriating that they are allowed to damage peoples lives in this way without validation that the debt is actually owned by the person they are negatively affecting.
Product: Credit reporting or other personal consumer reports

I requested my Disclosure from XXXX Pursuant 15 USC 6802 ( b ) which was not provided to me as per federal law. The law is explicitly clear that before a financial institution discloses any consumer nonpublic personal information, they must give the consumer 3 disclosures so the consumer has an opportunity to opt out of having their information reported. I also requested any documents and disclosures sent over from XXXX to the credit reporting agencies and they did not provide me with anything. I stated what happened requesting my nonpublic information be deleted from my consumer file, I was told to send in a dispute letter which I did yet all the accounts are still being reported on my consumer file which is against federal law. 
I AM ENVOKING THE SPECIFIED REMEDY THAT I PREVIOUSLY DENIED WITH HOLDING MY DISCLOSURES, Pursuant 15 USC 6802 ( b ).

PURSUANT 15 USC 6802 ( B ) I a living breathing man hereby exercise my right and specified remedy to OPT-OUT of having the account with my nonpublic personal information reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through an FTC report if this was not an error. Please block and remove them immediately : XXXX  : XX/XX/2021 XXXX XXXX XXXX : XX/XX/2021 XXXX XXXX XXXX : XX/XX/2021 XXXX XXXX XXXX : XX/XX/2021 XXXX XXXX XXXX  : XX/XX/2021 XXXX XXXX XXXX : XX/XX/2021 XXXX XXXX XXXX : XX/XX/2021 XXXX  - AUTO FINANCE : XX/XX/2021 XXXX  : XX/XX/2021 XXXX XXXX : XX/XX/2021 XXXX XXXX DEALER SERVICES : XX/XX/2021 XXXX XXXXL : XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to revalidate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Case # XXXX Claim # XXXX A check in the amount of {$2000.00} was fraudulently cashed on XX/XX/ from my account ending in XXXX. I contacted BOA in XXXXXXXX After repeated calls they assigned me case number XXXX. On XXXX XXXX XXXX I was told that they were unable to locate any information under the above-mentioned case number. They repeatedly told me that they can not open a claim unless we can verify the signatures on the check. They finally sent us a copy of check at the end of XX/XX/, which did not bear signatures of the payee and was not deposited into payees bank account. Finally, they opened a claim on XX/XX/ and assigned me claim number XXXX. They then asked us to request an affidavit, which we did and returned the affidavit to BOA. 

On XX/XX/, BOA sent me a letter stating that they can not process the claim because the claim was filed more than a year after the unauthorized transaction, which is incorrect. 

On XX/XX/, BOA sent me another letter stating that they can not process the claim because the claim was filed more than 60 days after the unauthorized transaction, which is incorrect. Call logs show that I contacted BOA well within the 60-day time-frame. 

BOA has yet to process my claim and credit my account for {$2000.00}. I have been getting a run around and keep getting transferred to different units. I have talked to reps from their main customer service department, claims department, digital fraud department, check fraud department, and official items department. 

Calls to BOA under personal account XX/XX/ from BOA branch XX/XX/ XXXX min call. Requested stop payment on bill pay check as the payee had notified me that they had not received the check. Rep put in a request for image of the check to be sent to me. 
XX/XX/ multiple calls, transferred to several different departments XX/XX/ call transferred to bill pay department Calls to BOA under business account XXXX  Again requested image of check as I had yet to receive it Calls to BOA 's Fraud Department XXXX  Spoke with customer service rep. Case reopened. 
XXXX  - Spoke with customer service rep. Gave him the dates of telephone calls to BOA. He reopened the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity thef
Product: Debt collection

On XX/XX/2020, I received a collections bill/letter from DBA Paragon Revenue Group claiming that I owed a debt for a medical bill that went into collections. I then checked my report to see the original creditors information and reached out. The original creditor was/is my current health care providers office. They stated that they had no accounts for me that were referred for collections and that there were no recorded files that reported a balance or previous balance on my accounts. She confirmed that she does not have any record of a charge that may have been sent to collections. With this information I sent out a debt validation request certified ( attached documents ) and never heard back. I reached out to the credit reporting agencies after the collection company failed to respond to my request and filed a dispute. XXXX  deleted the account after conducting its investigation. XXXX  and XXXX  stated the account had been verified. I requested a method of verification used by XXXX and XXXX  to validate this debt, they failed to respond and only issued another investigation, that came back as verified as accurate. I then bought a service XXXX  that accurately pulls all credit reports and compare the information. The comparisons were inconsistent being the collection agency is reporting different information to different bureaus. The collection company will not validate the debt it claims I owe and I believe that its because it does not exist as mentioned by the original creditor. This collection account is effecting my ability own a home, qualify for a better job at my current job and has caused me a lot of restless nights and worrisome days. I need help as I believe this collector is taking advantage of me
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX - Upon receiving results of my report there still appears inaccurate reporting and its disturbing that TRANSUNION LLC continues to violate my God given rights. I am XXXX as a reminder and I dont own anything on Gods law-land-air-water. I am clearly the beneficiary and their violating my rights under the 5th & 6th amendment of the united States Of America Republic Constitution.

Including violating Privacy, inaccuracy of balance, charges off and collections ( 15 usc 1601, 15 usc 1666, 15 usc 1692 ( d ) ). There is no such thing as even a late payment when payments are paid in full upon application and money is created from thin air. There has been no actual currency since XXXX ; gold or silver doesnt even back the dollar anymore. We are in a fictitious corporate society that I did not land here on earth to consent to. I am from the XXXX XXXX  and I thought I share the light that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX will be set upon TRANSUNION LL

C organization and 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
Product: Debt collection

XXXX XXXX XXXX Original creditor FIFTH THIRD BANK NATIONAL XXXX Date opened XX/XX/year>XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX This not my account i was a victim of identify theft