23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I filed a complaint against sunrise credit on XX/XX/2018 about this collection account and for verification of amount and if they hold this account from the original owner because this account was with a different collection agency that XXXX XXXX sent this to. It haven't been 30 days and Sunrise have already put this on my credit report without any verification. The date on the letter from Sunrise was XX/XX/2018 I didn't receive this letter until XX/XX/2018. I disputed this on XX/XX/2018. It takes 30 days for an account to show on your report I got a alert on XX/XX/2018 that this collection is on my report as of XX/XX/2018. So this was reported XX/XX/2018 for it to show on my report XX/XX/2018. This account have not been validated. I disputed this account within my time to request validation.This is unfair.
Product: Debt collection

i was in car accident XXXX and went to the XXXX XXXX XXXX IN COLORADO. I had an active full coverage insurance with my car insurance and health insurance by that time. My insurance had been paid all the related bill regarding my injury by that time and i never receiced any bill from that time until XX/XX/XXXX. I got a letter from collection agency that stated i owed the hospital {$20000.00} that i believed shoud cover my health insurance if the hospital had the right information and file the claim to my insurance.
Product: Credit reporting or other personal consumer reports

This is the final attempt and opportunity to cure a default. XXXX XXXX XXXX  is in violation of Federal and State Laws, Regulations, Codes, Public and Private Acts and Constitutionally Protected Rights, as well as Aggravated Identity Theft. XXXX XXXX XXXX has been issued a bill for redress which has been delivered via the same method of communication XXXX XXXX XXXX utilized to contact me. 

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

I initially opened this account with payment and high balance online I was told I would have a XXXX credit line in which was not true. 
I always paid on time not leaving balance I noticed once I removed the extra feature of product protection and inquired about introduction fee The level of customer service became aggressive and unprofessional. 
After inquiring about introduction fee of over XXXX dollars before card was ever used and the fact that it represented high balance on credit report I was placed into a situation where my account was in fact closed. 
My mother went into a medical emergency I needed to rent vehicle while renting a vehicle using XXXX XXXX through XXXX rental I received an alert stating my credit card had been closed out due to identity theft. In which I had no clue of what what going.

I was told to return vehicle causing me trouble and financial damage because this creditor excercised unlawful action against me and my credit profile.

I had to go through financial rejection and damages to the date.

Card was allegedly reissued to my knowledge I never received another card and did not have any knowledge of charges made because I couldnt place rental charges for vehicle on credit card and balances was indeed paid in full before card went into use and was closed. 
I show a high balance of XXXX dollars in which I did not create because credit card was not available to me for purchase purposes although looking in my records it shows it was closed it says afterwards high balance and charges from original Credit line was suspended with balance paid XXXX thru XX/XX/XXXX THIS A DELIBERATE ATTEMPT at destroying profile after requesting inappropriate fee return. 
My card was not used by me after date for rental car service in which they refused invoice. 
This is redundant and illegal because it reflects negative on report since XXXX until XX/XX/XXXX currently unfair charges on record. 
Back in XXXX spoke with comptroller and corporate representatives but was highly disregarded in my time of grief in which I felt compelled to resign from contact until I could recover from damage done!
Product: Credit reporting or other personal consumer reports

In my review of the credit report, I found some erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the XXXX credit bureaus must verify this account. Reporting unverified information without evidence within the legal timeframe is prohibited. Kindly investigate and correct the errors for the account listed on my credit report : XXXX XXXX XXXX Balance : {$41000.00}
Product: Credit reporting

My credit history is rated unfairly. My oldest credit card is 30 years. I have had XXXX inquires XX/XX/XXXX and received a " C '' rating for this. I have XXXX derogatory comment with a notoriously fraudulent company. I have 100 % on time payments for over 30 years, credit utilization of 4 % and available credit of {$50000.00}. My credit score remains at XXXX, and as you know this is too low to receive good credit rates. For some reason there is discrimination against me with the credit reporting company. I am an older American and take my credit rating very seriously.
Product: Credit reporting or other personal consumer reports

I have been reaching out to this company for several months to remove the inaccurate information listed on my consumer report. 

Each time, instead of abiding by the law and doing a proper investigation, I have been met with a stall email stating that I am not that one that has been sending these letters in spite of the fact that I am and am submitting proof of personal information as well. 

I have received 6 stall responses since XXXX and no remedy. 

Please see attached for the timelines of all letter sent as well as the emails that this company sent as a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is another COMPLAINT to notify you of unknown record on my file. When I reviewed my credit report, I was confused by unknown information appearing on it. It is very important to keep an accurate credit file. There is BANKRUPTCY that was NOT MINE.. I contacted the Florida XXXX Bankruptcy Court located at XXXX XXXX XXXX United States Courthouse, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, FL XXXX Phone number was XXXX regarding this matter. The court has DISCHARGED this Bankruptcy because I was not the one that filed this public record. Please remove this bankruptcy from my credit report now! This has caused me nothing but trouble! Thank you. 
Bankruptcy XXXX  XXXX-discharged US BKPT CT FL XXXX Filed on XX/XX/XXXX  Reference number : XXXX ; Discharged XXXX : Bankruptcy Filed on XX/XX/2021 Reference number : XXXX ; XXXX  XXXX Bankruptcy : Bankruptcy Filed on XX/XX/XXXX  Reference number : XXXX
Product: Credit reporting or other personal consumer reports

on XX/XX/year> I was informed that there was negative information on my consumer report. account XXXX. On XX/XX/year> I asked Experian to provide me a description of the procedure of the investigation used to verify this account according to 15 USC 1681 ( i ) 7.

A description of reinvestigation procedure : a consumer reporting agency shall provide a Consumer a description referred in paragraph ( 6 ) ( b ) ( iii ) by no later then 15 days after receiving a request from the consumer for that description. Once again Experian is violating my rights under 15 USC 1681 ( i ) 7 by not complying to provide me a description of how they verified this account within 15 day of my request.
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. XXXX XXXX  # XXXX, XXXX XXXX  XXXX XXXX, XXXX # XXXX, XXXX # XXXX, XXXX  XXXX # 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 written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then XXXX  years. 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: Checking or savings account

On XX/XX/2022 chime which is XXXX XXXX  suddenly closed my account without any prior notice soon after I deposited XXXX at a loves truck stop which I would use often to load my account. After funds were loaded I made an online purchase of XXXX and a few minutes later I received emails containing information that my account had been closed with not a single reason why. I went back and forth for days with both chime and XXXX and neither could give me any kind of reason as to why my account had been closed. Here I am XX/XX/2022 and still haven't received the balance that remained in the account, please help I feel I have been robbed to say the least.I have all the emails and documentation to prove my case thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a hand written, certified letter to Equifax looking for help on countless unauthorized inquiries that appeared on my credit file. In my letter I requested original documentation bearing my signature, allowing that particular company to view my credit file. Along with this letter, I provided a color photo of my state provided drivers license and original social security card.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within XXXX XXXX XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No.95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, and XXXX XXXX have 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: Debt collection

This account was reported as a collection/charge off. The reporting of this accout is incorrect as I still see a balance after it was charged off. Also, please explain why there is a past due balance of {$7500.00} while the report shows as a charge off? I am pretty sure you know this is a violation? I urge your agency to re-investigate this account and ensure that correct, fair and complete reporting is given. I don't believe the status of this accout is accurate either. Delete due to multiple violations and amount inaccuracies. Furthermore JPMCB keeps placing this collection back on my credit report with inaccuracies dates, amounts, no debt validation, no chain of title, no forward flow agreement, no original contract with signature, and never received a 1099c due to charge off and insurance claim from original agreement. Due to so many violations and no debt validation this needs to be addressed immediately and Delete
Product: Mortgage

YOUR COMPLAINT Fidelity National Finance took my job, my money total of {$250000.00}, XXXX XXXX XXXX XXXX. I have documentation from doctor that has proven my XXXX XXXX XXXX XXXX I was lead to believe these judgments not belonging to me would be corrected, they were false pleadings, misleading, and XXXX  stretched the proceedings out for the stature of limitations causing the issues to go away.. Fidelity National Finance wrote a letter stating they would fix my credit problem but they did not. The same promise was written to XXXX XXXX. I feel that they disparaged my character. 

XXXX XXXX is now working for XXXX and had worked for XXXX  XXXX and XXXX XXXX XXXX XXXXXXXX. is involved with the loan initiators. I am not worried about alerting her. XXXX XXXX is in interest with the title insurance. Only trying to go after me and not honor what title influence is for. The homeowner has had title insurance forever. They actually filed a claim to get it on record because of my actions. There are a lot of them trying to cover themselves with people moving around between companies. There is a XXXX XXXX who was my claim person. The first claim person who I have a letter from oh everything is fine we will take care of this. This was when XXXX gave me XXXX XXXXXXXX to file a complaint on their behalf also. XXXX XXXX of XXXX. I actually filed claims on covered items and they were refused. Now, once again, they should be defending me and I have a new claim person. XXXX XXXX says, " remember I work for XXXX and that is who my loyalty is with. '' and that is my homeowner policy with XXXX. I dont know if you need the policy numbers of that. Homeowner policy, XXXX title insurance. It started out at XXXX then it was type 4 in XXXX. XXXX XXXX is what they were calling themselves at one point. The claim number is XXXX and the policy is XXXX. That was one policy filed on my account with them. XXXX XXXX and her number is XXXX. In your investigation you will find that to cover their ( profanity ) XXXX filed in XXXX when the original one I filed was in XXXX. I have a recording of someone in the executive branch telling me, sure file for both of us. That was XXXX XXXX who was made to disappear for a while but I found her and she still works for XXXX. XXXX and insurance that is the forced insurance they put on and it is $ XXXX 6 months. There is a class action suit and they got sued for this. None of this is public knowledge of what was being done to thousands of people. The claim number I have is XXXX. This is the initial person who I filed this against and her phone number is XXXX. I filed this XX/XX/XXXX. XXXX XXXX is counsel for XXXX and her number is XXXX. And the claim number there was XXXX which they hooked them up together I see. This just goes on and on. This is what I can give you on the company and then make the statement in writing on XXXX.
Product: Credit reporting, credit repair services, 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 XXXX5 USC 1681.

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

15 U.S.C 1681 section 602 A. Section XXXX : It states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crime with antedates the report by more than seven years. 

XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX BANK XXXX XXXXXXXX XXXX OF XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

I send a letter disputing the account and asking for the original agreement and they send me a generic letter and they received my letter XXXX XXXX XXXX
Product: Credit card or prepaid card

This is the second occasion in which I have noticed Wells Fargo charging exorbitant credit card fees above quoted rates. Previously, they have paid back fees without questions asked. If this is a pattern of behavior they are engaging in, in which they charge interest above what is quoted, they are stealing. I'm concerned this may be far-reaching. Many years ago even, I noticed they were charging interest on new purchases. I have taken pictures in this case of balances and charges. I could go to the company ( although they've made this difficult by not making it a disputable transaction ) but the behavior won't stop and a refund won't resolve this in this case, for me. They charged {$91.00} on a {$2200.00} credit card balance, an APR of approximately 50 %. These sorts of charges are predatory and hurt American consumers. Two photos are listed, one showing acct balance on XXXX, the other showing the interest charge on the same date. A third image is shared showing that the bank doesn't even list this as a disputable transaction. 
Thank you for your attention to this matter, XXXX XXXX, XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I am trying to buy a house and I noticed some damaging information on my credit file. According to the 15 USC 1681 law there should not be any damages on my report, this is a defamation to my character.
Product: Mortgage

I had a mortgage secured by a first lien on a home I owned in XXXX, Virginia. The loan was service by Lakeview Loan Servicing , LLC. I sold the home and the sale closed on XX/XX/21. The mortgage was paid in full as a result of the sale. The escrow balance associated with the loan was {$6000.00}. I have been in contact with Lakeview Loan Servicing , LLC a number of times since the payoff of the loan, requesting a refund of the escrow balance. I have received repeated assurances that the " check will be mailed to me shortly '', but it has now been 90 days since the loan payoff and I have not received a check for the escrow balance.
Product: Credit reporting 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 authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions This account is showing inaccurate information on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

N. Accordance with the Fair Credit Reporting act Fig Loans Texas LLC 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 : also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit card

I made several purchases of Amex Gift card on XXXX over the past month or so but Amex has been constantly declining my online purchases.I have tried to make purchases at several different vendors but all purchases keep getting decline. At this stage, I am unable to use the card. I have spent hours on calls with their customer support but they dont seem to even acknowledge the concerns and keep telling me " everything is good with the card ''. Here are the order numbers of the card - XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. Please help me resolve the issue with these cards or refund me my balance.
Product: Credit card or prepaid card

I have been on bedrest and out of work because I had a XXXX of my XXXX I have made arrangements with the company to pay my bill for my account and when I called to do this explained my situation and what i wanted to do and never once did the rep say my account was closing giving me a malicious payment plan knowing if the account was closed it wasn't my priority bill to pay as my priority was to maintain open household bills when i called few months later to get my mother a gift for taking my kids during my hard time I asked the rep why is it showing there isn't a available balance when the accounts been paid and the rep told me the company closed my account for not paying yet I have receipts of payments I am no seeking legal damages for the company for discrimination and malicious attempts to collect a debt
Product: Debt collection

I checked my credit report and saw an erroneous debt with this company. I do not believe I owe this debt so I disputed it and the results were that it was verified as accurate. They are allegedly reporting 100 % accurate data. Since they have verified inaccurate and erroneous information, they have violated my consumer rights under 15 USC 1681 FCRA and 1692 FDCPA.
Product: Mortgage

I purchased my home in XXXX of 2017. Having lived in my current dwelling for less than a year I am faced with approximately {$50000.00} in damages to this property to include : Structural and foundation damage ... $ 30,000+ Septic system replacement ... {$8000.00} Water damage to the structure ... {$13000.00} I feel that these issues should have been corrected prior to my purchasing of the home and that many of these issues were not disclosed and/or misleading as we were giving information that said these repairs were addressed. However, we later discovered that many of these issues were camouflaged. 
I also feel that the home load inspector should have never allowed this loan to go through due to these major costly issues.
Product: Debt collection

I have attempted to resolve this matter with this company since 2015 and have not been able to do so. This company is still reporting debt under my name for something I am not responsible for. I have attached a copy of the contract they sent as " proof '' of debt along with a letter I sent to XXXXn for their review of this item. This fraudulent contract does not contain my signature, therefore making it invalid and proving that this company is trying to collect a completely fraudulent debt. Please make this company delete this item from my credit history once and for all. Thank you.