23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I made a payment to XXXX XXXX Mortgage that was drafted from my XXXX checking account on XX/XX/XXXX in the amount of {$4700.00}. Pacific Union is stating this was return for Non Sufficient Funds. However, the money was drafted from my account and I am attaching my checking account statement that proves that the money was indeed drafted and never returned. The funds have not been returned to my checking account and have not been applied to my mortgage. I have called about 20 times and get a different answer every time I call. I opened a complaint with the XXXX and Pacific Union replies with irrelevant information such as previous payments, current  balance, etc. I supplied them with the same checking account statement I am providing during this complaint and it clearly shows the funds were taken out of my account and not returned.
Product: Credit reporting or other personal consumer reports

Ive been paying {$2600.00} a month to experien for credit monitoring services however, after XX/XX/2022, I couldnt see my credit score across the three XXXX and XXXX XXXX I was asked to send in my personal information from XXXX. I done this over and over nothing happened they want return my money after all XXXXthey told me and they sent emails to my computer saying they got the personal information and they are working on it?? .its been going on for 9 months and more..
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I wrote to you requesting an investigation into items that I believed were falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting.
Product: Credit card or prepaid card

In reference to the previous complaint, # XXXX, company stated they were unable to access the video I provided that was evidentiary to my complaint. 

I uploaded the video to XXXX and here is the link : XXXX XXXX XXXX This should provide clear evidence that the correct link was used and that the purchase was made within the terms of the promotion.
Product: Checking or savings account

On XX/XX/year>, I had a Certificate of Deposit with MARCUS scheduled to mature and transfer to my local financial institution. I had also received a form letter stating that in response to my recent inquiry ( I made no such inquiry ) an Affidavit of Identity was enclosed to be completed and notarized, then returned to Marcus. 
Nothing on either of these documents indicate they are part of an inquiry from the Fraud department at Marcus. 

I spoke with several representatives at Marcus on a call at XXXX XXXX  on XX/XX/year>XXXX  which was 26 minutes and 11 seconds in duration. One person, named XXXX was a supervisor in the fraud department. When I explained my only recent contact with a Marcus representative had been several weeks prior in a call to my home phone number that they had called to verify another transfer. I answered the usual protocols for customer identification including my date of birth and " secret word '' to confirm my status as the account holder. When they attempted to send a onetime verification code to my phone, I was unable to respond as I am XXXX  and have a difficult time confirming messages in real time while I'm on a call. Apparently this set in motion the nightmare that I am experiencing in securing my funds
Product: Vehicle loan or lease

I kept requesting the cut off date paying the little money I had and they never gave me a clear answer, and now the repo guy just took the car and I have to be at work in an hour
Product: Mortgage

My mortgage was sold to this company, not by my choice. I had a bounced payment and due to this I not longer have access to online payments. I have to get a certified check from my bank and then mail to the mortgage company - for 6 months!! The company never told me this would be the punishment nor is there a policy in place for this. I was told this is the way the accounting department handles this - there is no policy. Therefore my payment will always be late - I get paid before the XXXX of every month, go to the bank, get the check mail it off from XXXX to XXXX and it will always be late because of the distance the check has to travel. What company arbitrarily makes up rules about penalizing a late payment without a policy and procedure in place. I have no paperwork from this company and I was never told this would happen until I called and asked about not being able to access my account on line - THEN I was told - no you have to send us a certified check for 6 months!!
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous disputes regarding multiple unauthorized and invalid hard inquiries on my credit report. Despite my earlier communication and the evidence I provided, these inquiries remain unaddressed. This inaction is not only unacceptable but also a clear violation of the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX in XXXX XXXX XXXX Florida for a XXXX   XXXX, and upon completion they instructed me that a XXXX that they worked on 2 years prior had a problem. I thought about it, and came to the conclusion that I would have another XXXX  look at, especially if there work was failing. The cost to repair the XXXX they had previously worked on was {$5000.00} in which I did not know they had planned to do the work and had set up a line of credit through Commenity Bank and charged my new found account {$440.00} for NO SERVICE PROVIDED. Now I have had this show up on my credit and have disputed with XXXX, Commenity Bank, and 2 of the credit reporting agencies and the credit reporting agencies removed it and 1 month later it resurfaced differently as an active account with late pays instead of a collection. The 2 were XXXX, and XXXX. I would like an investigation into this matter as I am sure I am not the only one dupped by XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reposesed my car in XXXX/XX/XX/2015. They have in the credit bureau a date of last payment on XX/XX/2015. They also have a closed date of XX/XX/2015. The account was NOT closed the same date of last payment. Also, XXXX charged off the account less than 180 days after last payment which is ILLEGAl. They continue to try to hurt consumers who no longer want lemon cars. Their account needs to be REMOVED from my credit bureau never to come back.. It has been since XX/XX/2015 since we parted ways and I keep disputing their illegal reporting to the credit bureaus and no one listens. But they keep reporting so It can stay on my report. Please have them remove or the next step will beto take them to small claims court along with the credit bureaus also.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ask Experian muti time to prove to me that these inquires on my consumer report that were from my alleged private transactions actions and account listed from XXXX XXXX XXXX were share with my consent I have a right to privacy an never gave verbal or written consent to any third party company to share my private transactions with anyone. They continue to report these items an not respond its their duty to report accurately and failed to do so. This my last warning of notice they have 5 calendar days to show me I gave verbal or written consent to share this accounts and that I am LEGALLY OBLIGATED TO PAY THIS ALLAGED ACCOUNT ABOVE! A SIMPLE VERFY IS NOT ACCEPTABLE constitute or appropriate legal nor lawful response
Product: Debt collection

I keep getting robocalls from a supposed debt collector from a local area code. I get a robo message instructing me to call a toll free number, not the number they are calling from noted on my caller ID. 

More than likely a spoofed number and a phishing attempt for personal information for ID theft.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and outrage regarding the discrepancies found in my recent investigation of my credit report. Upon thorough examination, it has come to my attention that your agency has failed to ensure the accuracy of the information reported, leading to severe distress and XXXX on my part. 

Under the Fair Credit Reporting Act, it is imperative that all information provided in credit reports be 100 % accurate. However, it is evident that several items on my report are unverifiable, invalidated, inaccurate, and questionable. This blatant negligence on your part is unacceptable and has undoubtedly caused significant harm to my financial well-being and mental health. 

I demand immediate action to rectify these egregious errors in accordance with the provisions outlined in the Fair Credit Reporting Act. Specifically, under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), these accounts are in clear violation of failing to report accurate information. 

Attached to this correspondence, you will find copies of all letters previously sent regarding this matter. I expect prompt acknowledgment of receipt and swift resolution of these issues. Failure to comply will result in further legal action being pursued to ensure my rights are upheld and justice is served. 

I urge you to prioritize this matter with the utmost urgency and professionalism. My financial integrity and mental well-being are at stake, and I will not tolerate any further delays or excuses.
Product: Mortgage

I applied for a modification for my home and signed a final agreement several months ago and the bank just informed me that the amount of repayment is going up from {$980.00}. to {$1200.00} per month. This is short of a few dollars of {$300.00} increase. I absolutely can not make that payment. I have been consistently paying {$980.00} since XXXX XXXX this year and this is the payment that fits my budget. I am not able to make payment for anything more than that. It appears that the tax arrears were not rolled into the modification, which was my understanding would happen.
Product: Debt collection

I don't recall having a contractual relationship with this collection company AMERICAN PROFIT RECOVERY. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting or other personal consumer reports

i am a victim of XXXX XXXX  and would like to use code 605C to block the information provided.
Product: Debt collection

I received a letter from XXXX today concerning a debt with XXXX XXXX, I have not had ANY business with XXXX XXXX, Its over 10 years since I did business with XXXX. I would like verification that this is valid and stop all communication from this Collection Agency. These agencies are buying old accounts and expecting that consumers just take their hard earn money to pay, because of the credit systems, families are being destroyed, agencies like this is ruining households with these types of letters.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Ive contacted all credit bureaus, file a report police report, contacted all furnisher, and contact all banking institutions. XXXX, Equifax, and XXXX has not properly investigated this matter. 
This has cause my family and I significant amount of financial burden and would like to bring further action and awareness to the steps not taken into correction of this matter
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and i got a letter back stating, " They do not report any bankruptcies to anybody ''. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 USC 1681 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or form a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C. 1681 section 602 A. States I have the right to privacy. According to : 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. According to : 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 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 XXXX XXXX XXXX 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 a account without my 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 than records of convictions of crimes which antedates the report by more than seven 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: Credit card

capital one were told that these charges are fraudulent as they are. 
Case # : 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 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 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 charged me for In Home Service XX/XX/XXXX. It wasn't In Home, it was Outside, which is XXXX 's Responsibility. I have a hand written note from the Tech stating can't deliver new cable signal under the driveway, Service cancelled and monthly amount auto paid in full throughXX/XX/XXXXuntil service cutoff. I was never contacted by XXXX or Diversified. I have a XXXX XXXX Account and got an alert around XX/XX/XXXX that a negative report had dinged my score by 100 POINTS! Diversified Consultants had made a negative report against my credit to all 3 agencies for an erroneous past due balance from XXXX for {$190.00}. The minimum amount that can be reported is {$100.00} and the charge is fabricated and piled on by fraudulent interest charges. Diversified has literally thousands of complaints and bad reviews online and I won't even get into how I feel about XXXX.. These bottom feeders used the negative credit report in retaliation to try and flush me out and frighten me into paying an erroneous past due bill. This is a clear violation of the Fair Credit Reporting Act by both XXXX and their hired henchmen, Diversified. They need to be brought to task for these kinds of tactics. They should be punished to the full extent of the law and have their licenses revoked. I have registered disputes with all 3 credit bureaus, XXXX XXXX and have alerted all my creditors. XXXX has already removed the negative report. However, that does not undo the damage already done. It will take months to get the 100 points back. I'm self employed and this makes it next to impossible to run my business. I want these people punished. I'm seriously considering hiring an attorney because there are clear damages. Thank you, I appreciate any help you can offer me.
Product: Mortgage

My home has passed the 80 % loan to value mark and I want the PMI payments to be removed from my mortgage with Wells Fargo. I called the lender and they gave me the run around. There is no reason for me to pay an additional {$220.00} a month on my mortgage. A full 25 % additional each month. I have 6 years of onetime payments. I want this PMI removed and not by going through a refinance. Please help.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, I would like this item immediately investigated. The inaccuracies are highly injurious to my credit score. 
-XXXX XXXX XXXX  # XXXX In accordance with the Fair Credit Reporting Act, Public Law XXXX, XXXX VI, Section XXXX, Please provide the name and business addresses of each individual with whom you verified the above so that I may follow up. Please send a copy of my credit report after your investigation.
Product: Debt collection

XXXX XXXX XXXX ( gas utility ) charged me for a utility gas bill and then put bill into collections and dropped my credit score by XXXX points. Now, the last time I had my name attached to XXXX ( XXXX XXXX XXXX ) was XX/XX/XXXX. But they reported me to collections, as owing them money up until XXXX, for a property that I wasn't even living at. The amount they reported is {$1400.00}. I have a lease to prove that I was not living at the address attached to this bill. Also, the billing address attached to the amount of money they sent to collections is a XXXX XXXX XXXX ( XXXX XXXX XXXX ) to be exact. 

Right now this is on my credit report as a collection on my XXXX and XXXX as of XX/XX/XXXX.
Product: Checking or savings account

I had a flexible spending account with ADP. I would put XXXX toward my medical bills each year. In XXXX I had a filling filled and my XXXX gave me a receipt. XXXX did not accept the receipt because it was n't itemized. I then sent the explanation of benefits from my insurance company. I thought that it was set. However it was n't. And I lost the XXXX dollars from the XXXX plus everything that was left on my flexible spending account because they locked my account until I could produce a itemized bill that was not an EOB. This was about XXXX dollars. It stung but I swallowed it. 
In XXXX I planned to have a child so I signed up for XXXX XXXX. This time putting XXXX dollars are the card since I knew my care would be expensive. I also spoke to my drs and was assured that I could get an itemized receipt for services. I tried to use my card and was told the card was still locked pending the receipt for XXXX. I explained that I had forfeited XXXX dollars then and that I could not get a receipt at this point. XXXX then told me it would not matter, as I only have 1 year to submit a receipt. So I asked how do I resolve this and fee my funds. XXXX told me that I could not and that all XXXX dollars would be forfeited at the end of the year. I got my company HR involved but they could not help me either. 
I then called a few class action suit attorneys but did not have the time once my daughter was born to follow through. There may not be much you can do for me, but I hope this does n't happen to anyone else.
Product: Payday loan, title loan, or personal loan

Beginning on XX/XX/2019, I have received multiple emails from XXXX stating that I had been approved for a loan through their company. However, I never applied for a loan at any time and I am concerned that my personal information has been compromised. I attempted to contact the company to request that they investigate this matter. When I finally got through, the representative requested that I provide my date of birth and social security number before they would assist me. I feel that this was a further attempt on their part to obtain personal information from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account info XXXX  XXXX XXXX Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Mortgage I spoke with the VP of Operations with XXXX XXXX XXXX XXXX  XXXX XXXX She informed me that the Late Payment would cease to be reported as I was in the hospital. XXXX XXXX told me payment history was updated with NO LATE PAYMENTS. 

XXXX This is not my account Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Mortgage Late Payments XXXX Creditor Information XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX Phone # : XXXX XXXX XXXX XXXX PL XXXX XXXX XXXX, SC XXXX Phone # : XXXX This account is not my account. 

XXXX XXXX : NOT MY ACCOUNT : XXXX XXXX {$800.00} XX/XX/XXXX XXXX Equifax XXXX Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX  Account No. 
XXXX Balance details 0 % paid off Balance {$800.00} Balance updated XXXX XXXX, XXXX Original balance {$800.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$800.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Payment summary XXXX Original Creditor XXXX XXXX IN XXXX IN. 
Responsibility Individual Individual Condition Derogatory Derogatory Original Balance {$800.00} {$800.00} Balance {$800.00} {$800.00} Date Opened XX/XX/XXXX XX/XX/XXXX Date Reported XX/XX/XXXX XX/XX/XXXX Remarks Placed for collection I contacted XXXX XXXX and they told me that this account would be deleted. It is not my account. This is for insurance on a XXXX XXXX. I have never owned a XXXX XXXX.