23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Ability Recovery Services. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and accounts were listed as disputed by consumer but I had not received any correspondence from creditor to validate this account as correctly belonging to me. Therefore on XX/XX/XXXX I sent a 2nd validation letter. Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and these accounts continue to negatively affect me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth attempts to tell you that I am a victim of identity theft and I complain some disputed items in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud. Remove the following inaccurate items : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Wells Fargo was my mortgage company from about XX/XX/XXXX through About XX/XX/XXXX. 

I attempted a refinance in XX/XX/XXXX XXXX. They sat on the application. Then attempted to changecthe rate and make me sign. I complained directly to Well Fargo. There was no change in credit and payment history was excellent. 

XXXX gave me the rate and completed the XXXX. Wells Fargo attempted to force higher rate than XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx, XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute and Request for Deletion Kessler & Williams XXXX XXXX XXXX ) Collection Dear Consumer Financial Protection Bureau , I am writing to formally dispute a collection account reported by Kessler & Williams ( original creditor : XXXX XXXX XXXX XXXX my credit report. This account, listed as a collection account with a balance of {$770.00}, was last updated on XX/XX/XXXX. I believe this account is inaccurate and unverifiable. 

Per the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the following : 1. Full Validation of Debt Kessler & Williams must provide written proof that this debt is legitimate, including the original contract with my signature, a complete payment history, and documentation proving their right to collect.

2. Accuracy Review If any detail ( amount, dates, ownership, etc. ) is incorrect, the account must be immediately removed from my credit report.

3. Compliance with Federal Laws If the creditor can not produce verifiable records within 30 days, this account must be deleted from my credit file. 

If Kessler & Williams fails to validate this debt, I demand that it be removed from all credit bureaus immediately. Failure to comply may result in a formal complaint with the Federal Trade Commission ( FTC ) and legal action.

Please respond within the legally required timeframe. 

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

Your company claims the following accounts have been verified. Please provide your method of verification or delete these accounts immediately. XXXX XXXX XXXX XXXX is reporting incorrectly. There is an entry of XXXX for XX/XX/2021. Also you are reporting a balance on a closed account which is a violation. XXXX XXXX XXXX is also reporting inaccurately. You marked this account 30 days late consecutive months. This reporting is inaccurate. I can not be 30 days late on an account for back to back months. Lastly XXXX XXXX XXXX is reporting a balance on a closed account. This is inaccurate. I have attached screen shots as proof there was no proper investigation done and the accounts are still reporting inaccurately which is a violation of XXXX XXXX STANDARD COMPLIANCE
Product: Debt collection

Account in question : Transworld Systems Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection account on one here 's consumer report. 

One here has not been given a chance to dispute those accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) This agency XXXX XXXX has violated my consumer rights by using false and misleading misrepresentation and deceptive means. 

Collection agencies have NO AUTHORITY to furnish any accounts to a consumer reporting agency without first providing ANY and ALL disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S-2
Product: Credit card or prepaid card

My wallet was stolen with my debit cards issued by XXXX XXXX ON XX/XX/2017. 
I called XXXX XXXX and after much hassle getting through to a live person, I reported my credit cards stolen. This was approximately at XXXX XXXX. 
The representative told me new cards would be issued but after a week nothing happened, so I contacted them again and the representative DID NOT CANCEL THE CARDS AND REISSUE NEW ONES. 
The thieves used the debit card by using it by purchasing goods using the credit instead of debit ( I 'm guessing ) and they racked up over {$1000.00} of sales, this was all done AFTER I HAD REPORTED THE CARDS STOLEN. 
It is almost impossible to get through to anybody at this banking institution and when I do they either put you in a loop or hang up. 
My last transaction was at Approx XXXX on the day my truck was stolen, XXXX # XXXX reported at approx XXXX XX/XX/2017. 
My last transaction was a cash withdrawal at an ATM AT Loves Truck Stop in XXXX, Ca, at approx XXXX XXXX I contacted this bank after one week of nothing showing up with replacement cards only to find out THEIR EMPLOYEE DID NOT DO HIS JOB, thus allowing the charges to accumulate AFTER THE CARDS WERE REPORTED STOLEN. I am out over {$1000.00} that to this day 3 MONTHS LATER has NOT BEEN REPLACED. 
Terrible customer service with what seems as a do not care attitude, which really rubs me the wrong way being a XXXX XXXX XXXX and this is supposed to be a caring institution for active service personnel and XXXX HELP!! 
XXXX XXXX XXXX Current Acct # XXXX, I do not remember or know the Acct # that was reported stolen but if they have ANY CLUE as how to operate a banking institution CORRECTLY, they will know the acct # that I am referring to. At the time the cards ( and my wallet ) were stolen there were XXXX acccts, XXXX for my SS BENIFITS ( money I earned and paid in for over 40 years along with my employers, I DO NOT CONSIDER THIS Government assistance, as it is MY MONEY, paid by ME, to assist me when I retired, and XXXX XXXX for my XXXX dealing with XXXX XXXX from XXXX
Product: Credit card

Experian is reporting a third credit card from XXXX XXXX XXXX that I don't have, with a credit limit of {$9500.00}. 
I try to contact Experian and XXXX  XXXX XXXX several times to have a explanation about this card in my credit score, Experian never showed this card on my credit score before. 
I received a e-mail from XXXX XXXX and Experian on XX/XX/2023 saying that I owed more than {$9000.00} from a credit card that I never seen. 
And I lost XXXX points from my score because of this card. Experian is the only website reporting this credit card. 

I opened a report before and XXXX  XXXX XXXX send me a e-mail saying that they confirmed that I have 2 credit card from there, but Experian still reporting another card from XXXX  XXXX XXXX that I don't have. 
And I'm still waiting for a answer because my score is locked and low since XXXX and I'm trying to buy I house
Product: Credit reporting, credit repair services, or other personal consumer reports

There were multiple inquires on my credit report that were not authorized by me. I had a Freeze and fraud alert put on my credit report due to identity theft along with a police report and my credit report was still being pulled without my consent. I have contacted all 3 credit bureaus about this matter and not one representative has seem to help me. 

Also I was a victim of the XXXX XXXX computer glitch that resulted in my inquires being deleted and later XXXX XXXX add them back onto my credit report without giving me the legally required written notice of 5 days prior to them re adding them. I contacted them in faith asking them to delete the inquires that they had illegally re-added. 

These unauthorized inquires add a hardship and that my rights were violated by not only TransUnion but as well as XXXX and XXXX
Product: Checking or savings account

Four Transactions XX/XX/XXXX 1. {$100.00} 2. {$100.00} 3. {$120.00} 4. {$81.00} My XXXX account was compromised and purchases were made. I have a recorded phone call made XX/XX/XXXX proving they were found fraudulent by the XXXX team. 

XX/XX/XXXX 5 charges 1. {$120.00} 2. {$120.00} 3. {$120.00} 4. {$120.00} 5. {$120.00} These charges were made at a XXXX gas station in a neighboring county. A police report was filed. Chime also denied this claim within 12 hours of filing a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021 I attempted to remove information from all three credit reporting agencies ( XXXX, XXXX, XXXX  ). The collection agency on my credit report reporting this information is is Amerassist AR Solutions and the original creditor is XXXX XXXX XXXX. The amount that is being reported is {$1600.00} on each report. The original creditor is reporting an amount that is not correct, I am being charged for work that was never completed.
Product: Credit reporting or other personal consumer reports

unauthorized inquiries on my credit report 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 XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

I found out that I am a victim of identity theft. When I found out I about this I let the credit bureaus know and I filed a police report to detail the issue. I set up an online portal with Chexsystems and although I was able to receive my consumer disclosure report I am unable utilize their online disputing. When I called about this I was told this is because some of my information needs to be manually reviewed and then the person I was speaking with couldn't explain what that meant and the conversation made no progress towards resolution. There is an item being reported on my Chexsystems report under " reported information '' that is a result of identity theft. That item is : XXXX XXXX  ; Reported For : Overdrafts ; Original Charge-off {$460.00}. Additionally, the following inquires are showing on my report that were not authorized by me : XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX on XX/XX/XXXX ; XXXXXXXX XXXX on XX/XX/XXXX ; XX/XX/XXXX ; XXXX XXXX  on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I request that the reported information above as well as these fraudulent inquires be removed from my report. I am attaching a copy of my photo ID as well as a copy of the identity theft police report. My chexsystems consumer ID : XXXX
Product: Credit reporting or other personal consumer reports

I have reached out several times to this company and filed a dispute about this account. I have never lived here nor signed a lease agreement to this property. I have always lived at one address in XXXX, Georgia. This company has failed to comply with me as a consumer protecting my credit profile. In fact they are in huge violation of the FCRA and CFPB. I have informed them numerous times of the violation but instead they send stall letters, re-age the account by updating the date of last activity in hopes of keeping negative information on my profile. They have never provided me with proof or anything. I have been a victim of identity theft and they can retrieve the police report and FTC Report which is linked to my credit profile. This is a nightmare and I ask you please to remove this from my profile. When I spoke with XXXX they said they didnt care if I file a complaint with you guys because CFPB does no t matter and the rep hung up the phone on me. I ask you please to have this removed.
Product: Money transfer, virtual currency, or money service

I submitted an online wire transfer {$80.00} from Wells Fargo which they charged me {$25.00} dollars. At XXXX XX/XX/2024. I called after 2 hours because as I checked my other bank account I noticed the wire hadnt arrived at my bank. So I called Wells Fargo back I talked to XXXX she told me a wire transfer takes 2-3 business days. I said I dont think thats right are you talking about an ACH transfer she said no.i said ok. Hung up the phone I called back XXXX at XXXX talked to heady she told me a wire transfers takes 2-3 business days I told here a wire transfer should take a couple of hours. Then I asked her why when I call in regards to a electronic wire transfer you guys make it seem as if Im making a ach transfer? She said all wires take that long Im like no they dont. I sent up 3wires the same way to my other accounts and they took no line then 30mins to reach there. I told her if they dont do wire transfers just say that. But she said they did. I said so why did you guys charge me $ XXXX same day service when clearly you didnt provide me same day service. Told her I wanted a refund. And then she kept putting me on hold to verify my info. And which they knew already. I hung up the phone after the second time she said she was making a case but I was on the phone waiting for XXXX. I know they will probably say I hung up. But I shouldnt have been on hold that long for someone to work a case.for my refund.bout XXXX something I hung up the phone cause I had errands to take care of I check my account and the money appears in there. But she was also tell me that the transaction completed and everything yesterday which is not true cause I checked my Wells Fargo acct to see if the money left my account and is was still in pending status well past XXXX XXXX which I feel like they submitted my payment lastnight early this morning. Reason it came late which I was charge same day service I didnt get.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received a Venmo request from what I believed to be my friend. The account used the same profile photo and the same login name as my friend. Venmo did not have any warning that this account was an account I had not transacted with before ( this is a safe guard I rely on each time I pay somebody new ) I accepted the Venmo request and subsequently contacted my friend and found that the request was fraudulent. Somebody was pretending to be her and created an identical account. We both contacted Venmo within 5 minutes of the scam and Venmo disabled the scammers account within 10-15 minutes. 

I blocked payment from my bank account. However- now Venmo continually is pursuing me for the {$310.00} even though they have confirmed this was a scam and even disabled the scammers account. My account is now frozen and I cant use Venmo.
Product: Credit card

They froze my card XXXX different times with no explanation except suspected fraud. They didn't explain how they came to that conclusion. I talked to XXXX different customer service people neither of which spoke XXXX very well. Both wouldn't stop talking long enough for me to ask them questions. I ended up closing the card and account because they'll charge me an annual fee and I can't even use the card.
Product: Credit reporting or other personal consumer reports

I HAVE A XXXX XXXX CREDIT CARD TIED TO MY CHECKING ACCOUNT BECAUSE THEY ADVISD ME TO DO THAT SO IT WILL COVER SOME DEBT TRANSACTIONS. THEY LIED TO ME. THEY CHARGED MY CHECKING ACCOUNT OVERDRAFT FEES, THEN THEY CHARGED MY CREDIT CARD CASH ADVANCE FEES AT THE HIGHEST INTEREST RATES, THEN THEY CHARGED ME INTEREST. I CALLED THEM AND TOLD THEM TO REMOVE THE LINK TO THE CHECKING ACCOUNT. THEY REFUSED. THE NEXT DAY, THEY CLOSED THE CREDIT CARD ACCOUNT AND REPORTED ME AS DELINQUENT FOR OVER 6 MONTHS. I AM STILL MAKING MORE THAN MINIMUM PAYMENTS MONTHLY. THEY REFUSED TO FIX THE REPORTING TO THE CREDIT COMPANIES AND DESTROYED MY FINANCIAL REPUTATION. NOW I CANT GET A LOAN FOR MY BUSINESS. THE EMPLOYEES TAKE MATTERS PERSONALLY AND DESTROY CUSTOMERS FOR THEIR OWN SADISTIC JOYS. I AM CURRENTLY SUING THEM. BUT I WAS ALSO ADVISED TO FILE THIS WITH YOU.
Product: Credit reporting or other personal consumer reports

recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. According to the Fair Credit Reporting Act, Section 611 of the FCRA you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that Under the FCRA 15 U.S.C & 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts or provide testimony and certification that you are adhering to mandated XXXX XXXX data formatted reporting standards according to regulations.The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and or standards and must be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX my current and only address is XXXX XXXX XXXX XXXX OH XXXX. My date of birth XXXX. 
I have two addresses on my file that I never lived at these address, they belong to my EX-girlfriend I have nothing to do with any of these addresses XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX OH,XXXX Please send me a new credit report.
Product: Student loan

Originally complained about numerous harassing phone calls ( # XXXX ) and, due to unemployment, how Key Bank refused to allow forbearance. Now, they have reported to the credit bureaus that I am 90 days late ( affecting credit score from XXXX to XXXX ), which is erroneous. Some month payments are doubled. I asked numerous times for a forbearance ( due to unemployment/ hardship XXXX XXXX to XXXX ) and was refused. Monthly payment is {$160.00}. The following are the payments made:XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$320.00}, XXXX/XXXX/XXXX - {$320.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$320.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$320.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with transunion on XX/XX/XXXX on this account letting them know I have no knowledge and requested a full validation under FCRA Law and requested information on the company right to collect under fair credit and billing act. I have not heard back from transunion. I have also filed a complaint with CFPB and no action was done. Please provide the requested information or otherwise delete the account. I am also looking into filing a complaint to the FTC and DOJ. The transunion report is not accurate as its missing name. 

disputed account XXXX Original creditor : XXXX XXXX  XXXX  {$240.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX
Product: Mortgage

In XXXX, I was in the process of a FHA Modification with Bank of America. I hired an attorney, attended a seminar to meet account specialists, and complied with whatever was needed in order to obtain the modification and remain in my home. During the trial period of the modification, Bank of America placed a recorded a lien with XXXX XXXX register of deeds in XX/XX/XXXX and sold the loan to XXXX XXXX XXXX which then sold it to XXXX XXXX XXXX in XXXX. Once again, a trial period was demanded with a down payment of {$10000.00} following trial period of {$2500.00} each month. Consequently the loan was transferred to XXXX XXXX XXXX. 
In XX/XX/XXXX, I decided to sell my home and learned about the partial subordinate lien ( second mortgage ) placed by Bank of America. 
I reached out to Hud and was informed the case number does not exist. After several attempt to register in the XXXX  Portal, I had one person respond via the XXXX XXXX chat that the Bank of America recorded a lien but never filed a clam with HUD. I was also inform to contact my primary servicer and to inquire if they will file a claim if not it can be released. I have reached out several times and I do not get any replies. 
I would appreciate help from anyone at this time
Product: Mortgage

My home was damaged by XXXX XXXX. Insurance company issued money to fix home in the amount of XXXX. The contractor has submitted invoices, release of lean, also had inspection done to get portion of work that has been completed for payment. So, far XXXX, XXXX of work has been completed. They have only released XXXX and has not released any more money. I have been in a hotel since XX/XX/2023. The contractor can not complete any more work without getting more money for supplies and to pay vendors who have completed their work. I have called over 32 times and have submitted every piece of documentation they requested. They do not give you the option to talk to upper management.
Product: Debt collection

I was told that if I did not make my final payment today that the funds I currently paid would be charged as interest towards the original loan and that I would have to pay court fees and attorney costs for the proceedings. I then asked for information regarding their company and how my file ended up in their office. Instead of attempting to help me with this information I was told that I was annoying like a XXXX XXXX XXXX girl or a mosquito. I was also called a XXXX and the gentleman proceeded to ask about my personal details. Such as a vehicle I recently purchased and other personal details in which they should not have access to. I asked if calls were recorded and if I could have a copy and I was told that I was harassing them and that they didnt have to do anything to help me. I have since been repeatedly hung up on when attempting to get information regarding our correspondence.