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

To Whom It May Concern, I am filing a complaint to dispute an account listed on my credit report. The following Collection accounts : CAUSING DETRIMENTAL HARM XXXX XXXX XXXX XXXX  - The amount {$1100.00} was sold to an unnamed collection ( not my debt never lived in California ) XXXXXXXX XXXX  - the amount of {$32.00} was sold to an unnamed collection agency without notification and it's a false debt. 

XXXX - {$480.00} was sold to an unnamed collection agency without notification and it's a false debt. I have never had XXXX, I have only had XXXX 

CLOSED CREDIT CARD ACOUNTS THAT DONT BELONG TO ME ARE BEING LISTED AND NOT ONLY ARE THEY CLOSED BUT THEY ARE NOT MINE. 

XXXX XXXX - {$4700.00} LISTED AS CLOSED BUT REMAINS ON MY REPORT AND ITS NOT MINE TO BEGIN WITH. 

XXXX XXXX - {$3100.00} ALSO LISTED AS CLOSED BUT REMAINS OPEN ON MY ACCOUNT AND DOESNT BELONG TO ME. 

XXXXXXXX XXXX  - {$650.00} ALSO NOT ME AT ALL I NEVER LIVED IN CALIFORNIA WHERE THIS DEBT ORIGINATES AND THEY JUST LEAVE OPEN ON MY ACCOUNT AT AS CLOSED WITH WRONG INFORMATION... 

I INTEND TO FILE LEGAL ACTION AGAINST THE BUREAU IF THIS ISNT REMEDIED IMMEDIATELY. I'TS CAUSING ME GREAT FINANICIAL DISTRESS. 

These accounts are either reporting incorrectly or transferred to an unnamed collection agency without my prior knowledge or consent, has been inaccurately reported to the credit bureaus.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, information can not be reported to credit bureaus without my consent unless it's done for a permissible purpose such as credit transactions or employment decisions. Additionally, 15 U.S.C. 1692c of the Fair Debt Collection Practices Act ( FDCPA ) prohibits the collection agency from reporting this debt without proper authorization and notice.

I am requesting that the CFPB take action to have these accounts removed from my credit report, as the reporting of this debt is a violation of my rights under consumer law, including the FCRA and FDCPA. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to complain about all three credit bureaus - Equifax, XXXX  and XXXX.All three are reporting a bankruptcy on my reports that is not accurate. I have disputed thebankruptcy with XXXX and the courthouse. XXXX can not verify it and has deletedit. The three bureaus are terrible! They don't even respond to written disputes that aremailed certified. They just ignore us out here in Main St America. I have sent letter and theseare just the latest.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Equifax discovered that hackers had compromised their servers, exposing the personal information of approximately 143 million U.S. consumers. This personal information included names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. In addition, credit card numbers for approximately 209,000 U.S. consumers, and certain dispute documents with personal identifying information for approximately 182,000 U.S. consumers were accessed. My personal information was released in this event.
Equifax did not make any attempt to warn U.S. consumers until XX/XX/XXXX, when a public announcement was made. This delay is unacceptable, as it prevented consumers from taking mitigating steps in the aftermath of the attack ( e.g. placing fraud alerts and/or freezing their credit ).
Product: Consumer Loan

Since filing my first complaint # XXXX, Wells Fargo has started foreclosure on my house, yet they are the ones that could n't modification paperwork correct. After 31 months they can not get the description right. In the meantime my credit is destroyed from their reporting I 'm not making payments. They are trying to sell the property based on the description that is wrong and will be giving a mortgage based on an incorrect property description.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence, XXXXXXXX XXXX XXXX  ( XXXX  ) XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX {$36000.00}, XXXX XXXXXXXX XXXX balance {$740.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been writing transunion for 2, years now, and they refuse to remove this account XXXX XXXX, that is not mine. i have done a affidavit, 2 years ago, and they ignore the affidavit. they never gave me a " early warning notice before placing this in my file, and now refuse to take it off. After 2 years, enough is enough, i'm disgusted, a single mom, spending time and hours on this one account, instead of providing for my daughter. It is even more now depressing knowing that the bureaus have only investigated 2 % of all disputes in the lat 2 years, how is this humanely possible, an agencys, with so much power ruining human beings lives
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint due to Transunion reporting unauthorized credit inquiries on my report. I have uploaded supporting documents stating that I did in fact have a fraud alert on my my acct starting XX/XX/XXXX which would last 90 days and after the 90 days I have always added the fraud alert back onto my account my latest fraud alert ended XX/XX/XXXX and once a fraud alert is placed on my acct the CRAs that added the fraud alert are to notify the other CRAs to apply a fraud alert as well and they are to notify me anytime my credit is being run. I have disputed these inquiries by phone, online and by mail and you all have constantly denied to. I am suppose to be contacted every time someone runs my credit but I wasn't. I didn't authorize these inquiries, therefore my consumer rights were violated. Pursuant to  1681c-1, before establishing an account in the name of a consumer with an fraud alert on file, a creditor must contact the individual to confirm that the application for credit is not the result of identity theft. If the fraud alert contains a contact number, the creditor must either contact the consumer directly or take reasonable steps to verify the consumers identity before opening a credit account in the consumers name. I was never notified. I am demanding that the following unauthorized credit inquiries are removed from my credit report you all did in fact violate my consumer rights. Remove the following accounts and I would like a updated credit report within 30 days of these changes that will be made. >>XXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX  XXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX inquiry from XX/XX/XXXX XXXX inquiry from XX/XX/XXXX<<
Product: Credit card or prepaid card

There are transactions on my Capital One credit card that I need to dispute. Capital One has disabled it's online tool which allowed it's customers to dispute charges in their online accounts. Instead they are directing their customers to call their 1-800 number instead. For one week I have spent 5 hours on hold everyday trying to get through to someone but no one is answering the phone at Capital One. WHY DID THEY DISABLE THEIR ONLINE TOOL THAT ALLOWS CUSTOMERS TO DISPUTE CHARGES?? Why??? Why did they instruct us to call them instead but then they do not answer their phone? There is no LEGAL justification for this. You can not DENY SERVICE to your customers like this. It is against the law. What will the CFPB do about this??? Capital One is doing this intentionally. What is the point of having laws if corporations coninually are allowed to break the law with no consequences.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXXXXXX Balance : {$5000.00} XXXX XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my consumer reports and I noticed that there was a 30 day late payment on an account that was paid in full and closed and was never late for consumer reporting agencies have assumed a critical position and have a responsibility to report consumer information to the best of their ability with maximum accuracy I have never been late on payments for this account ( XXXX XXXX ) please investigate and provide proof with statements showing this payment was late if proof cant be provided I demand this payment be updated as on time paid in full and account closed and reflect as NEVER late thank you.
Product: Credit reporting or other personal consumer reports

XXXX is Reporting a late payment on my credit report. I have reported this incorrect and also asked for this to be corrected and updated.I have repeatedly asked to update or send information from investigation. To this date I have yet to receive any information or proof this information is correct. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 5 USC 1681 section 6 o 2 states. I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan go late for any purpose.
Product: Debt collection

On XX/XX/ 2022, I received a email from my employer that a " new garnishment '' was received. Upon reviewing the documents I discovered that a 3rd Party Debt Collector was garnishing me for an alleged debt owed from an automobile that I do not owe them for, and they have violated numerous of Federal Laws according to the Fair Debt Collection Practices Act ( FDCPA ). AUTOVEST, L.L.C, is in violation of 15 U.S. Code 1692j - Furnishing certain deceptive forms, 15 U.S. Code 1692i - Legal actions by debt collectors, 15 U.S. Code 1692e - False or misleading representations, and 15 U.S. Code 1692d - Harassment or abuse and many more. They have caused me mental anguish, loss of sleep, embarrassment, and ruined my family 's XXXX stealing my earnings a couple days before XXXX. I was never attached to the address listed on the summons and they served a XXXX XXXX which cause them to get a default judgement against me and are trying to ruin my life. I have been denied use of my credit also because of this debt collector. Please see all attachments
Product: Mortgage

2008 FHA loan for first time buyers included tax and insurance on payment. 
XXXX on small 2 bedroom home. FHA inspector committed fraud on inspection and did not report rigid copper used for gas line going to dryer. Home also had bad sewer line not reported by seller or inspector. Next we did a loan to change the way the taxes and insurance were paid but they told us it would stay the same lying to us about what is actually done on a home loan and failed to tell us it would not be FHA but bought by the bank and the whole payment went to them instead of paying off the home. Failure of full discloser by PNC bank is illegal and we want them to pay for lying to us about the loan and also it was only suppose to cost XXXX dollars to switch to the new mortgage to keep it the same on FHA but with us paying the taxes and insurance. The loan officer lied to us changing it to a home equity account without us being told where the payments went or about the change from FHA to their bank without our knowledge and their failure to disclose this to us at the time it was done. They also illegally kept the spouse off the deed and under the law they have to be included even if they aren't on the loan.
Product: Credit card or prepaid card

My American Express Serve Card was stolen from me on XX/XX/XXXX. I filed a police report and called Amex Serve to report my card as stolen the same day. I also informed Serve customer service that there was an unauthorized pending ( still processing ) charge of {$79.00} on my account at XXXX XXXX # XXXX by the thieves that was fraudulent and requested that a dispute be initiated so that I can get reimbursed. I checke d my account on XX/XX/XXXX and discovered that the fraudulent transaction had been processed and completed by Serve and the funds had been deducted from my account. I called serve for an explanation and they told me that I had to call a different department ( account protection services ) and file a formal dispute, complete a declaration of fraud form, in order to get reimbursed. I called Serve account Protection Services at XXXX and filed my dispute/fraud claim which was received by Serve on XX/XX/XXXX. It has been over ten days since I filed my dispute and I have not received a credit ( provisional or permanent ) on my account for the unauthorized charge. According to the American Express Serve terms and conditions for resolving disputes which are published on their website, dispute investigations normally get resolved within 10 business days. A dispute investigation may take up to 45 days to complete however, In such cases, a provisional credit is issued to the cardholder 's account within 10 business days of Serve 's receipt of the dispute so that the cardholder can have use of their money during the time it takes serve to complete the investigation.
Product: Mortgage

Approved for trial payment in 2016 with XXXX XXXX stated not to make payments while on trial. at the end of the trial XXXX sold loan to Carrington. Carrington is now charging me for 6-8 month of payments while the loan was with BOA. Carrington is currently holding all my payments in escrow with no resolution. Carrington has sent me intent to foreclose letter.
Product: Mortgage

I got behind in my mortgage payment in 2020. It was covid related. I have ask for help from my mortgage company and they have denied me. They want me to liquidate my home. I am a XXXX vet retired from us XXXX. They refuse to help me with any options other then liquidation. I want to keep my house and I have funds to pay but my mortgage company is refusing help to me. I will be homeless. I have a wife and XXXX year daughter. I do not want to liquidate my home. I have no where to go. I can pay my payments. I cant bring current. I need help bringing current.
Product: Debt collection

I attempted to contact the company in question, CKS Prime Investments, after seeing them on my credit report. That company then directed me to a second company, Velocity, who stated my account was placed with a third company, XXXX. None of the companies contacted can provide a validity of the debt, state where it came from or what it's from, nor will they provide an option for payment. I attempted disputing the information with the credit bureaus who basically stated XXXX XXXX owns the debt but I have confirmation from a chat that I had with them that they're not the appropriate company. It is a false negative mark on my report and I can not get anyone to remove it despite the fact the debt isn't valid.
Product: Credit reporting or other personal consumer reports

I contacted company and had fraud accounts closed. i also put a fraud alert on all three credit agency reports. I received a call yesterday from Experian concerning my dispute to remove the hard inquiries from the company. they informed me it would be a 30 day investigation. Then closed the dispute the next day without removing the hard inquiries. 
Everyone is in alignment. The company closed the accounts and i informed the credit agencies. The hard inquiries should be removed by Experian. No reason to keep fraud accounts hard inquiries on my report to further hurt me with this incident. 


XXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account was charged off as a collection on the following date XX/XX/XXXX. This account is also reporting a balance of {$1200.00} which is illegal and inaccurate because this account is still reporting a balance as if the account is still open. It is also reporting as a collection every month from XX/XX/XXXX to XX/XX/XXXX as if the account is open. This account is also not reporting any information for Equifax. It is also being reported on my report that the account is closed and in collection with XXXX but the account status is also being reporting to being an Open account with XXXX which is also inaccurate and a violation According to XXXX XXXX XXXX XXXX, XXXX, EQUIFAX, and XXXX are supposed to ensure XXXX XXXX XXXX This account violates these laws : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX EQUIFAX Account Name : - Account Number : XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit card

On XX/XX/year>, I called American Express customer service to inquire about the total amount needed to pay off a payment plan I had enrolled in about a month earlier.

I was transferred to the " Plan It '' department, which handles this service. The representative informed me that to complete the plan, I needed to pay the " total balance, '' which was approximately {$4600.00} ( plus a few cents ). He advised me to pay {$4600.00}. When I asked if paying that amount would mean I wouldn't incur any more fees for the plan, he assured me that I would be all set.

I went ahead and made that payment.

However, when my XXXX statement arrived, I was surprised to find a Plan fee of {$32.00}. I called the " Plan It '' department again and was told that I had not fully paid off the plan yet and still had a balance of over {$50.00}. I inquired whether there was any record of my call on XX/XX/XXXX, but I was informed that there was none. The representative mentioned they could review the conversation to clarify what had occurred.

It doesnt make sense that I contacted that department specifically to ask for the total amount needed to pay off the plan and ended up being short by over {$50.00}. Why would I want to pay {$32.00} instead of that amount?

I requested to speak to a supervisor and was transferred to the " Plan It '' manager, XXXX XXXX She stated that someone would contact me back. I expressed my desire to pay off the plan, as I wanted to avoid any additional charges from the bank. That was the purpose of my call on XX/XX/year>. I also requested that the plan fee be removed from my account. 
Throughout my time as an American Express customer, I have never experienced issues like this. However, it seems to me that they are either not doing their job properly or providing customers with incorrect information, which results in unnecessary charges. I wonder if they are trying to increase the bank 's fees to favor the financial entity. If that is the case, it is unacceptable.
Product: Debt collection

Company Mountain Run Solutions purchased a debt from XXXX. This debt was for alarm system service agreement I did not purchase at an old Address I didn't live at for nearly 3 years prior to the time of agreement. I lived at address stated in contract for a few months in XXXX with my girlfriend at the time after which I had got my own apartment. I have submitted disputes to credit bureaus as well as Mountain Run Solutions. I have requested verification of debt and proof of statue of limitations. They have provided contract of service agreement showing date of contract as XX/XX/XXXX. This appeared on my credit report in XXXX of XXXX. Upon receipt of contract from collection company it further proved this wasn't my debt and I did not sign nor have any such knowledge of contract. I have requested they immediately remove from my credit report. Since then I have received additional notifications from XXXX advising they consider the debt to be accurate. On this Contract which I intend to submit additional disputes in writing it shows my name and social security number which I did not provide. The contract also advises that they will obtain a credit report before services was provided. They did not do so in accordance with their own contract as I have had a fraud alert on my credit report and would have been notified and could have confirmed this wasn't me that was opening the account. Furthermore, this contract didn't have my signature on it what so ever, nor did it have my phone number on the contract. So other than someone putting my name and social on this contract there was no agreement by me entering into such agreement. This doesn't even take into consideration that as a XXXX I was stationed XXXX  from the end of XXXX through early XXXX. I'm truly devastated that the credit bureau 's do such a poor job verifying debt and allow creditors to falsely destroy others name with zero repercussions. I have determined 10 different evidence points that this debt doesn't belong to me. However, feel very disappointed that it's so hard to clear your good name. Please help!