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

XXXX alerted me to collection on credit report. 
Called all 3 credit reporting, XXXX XXXX & XXXX to file dispute on Midwest Recovery Systems. 
Never heard of original creditor XXXX XXXX, nor Midwest or debt. 
Phone numbers to contact Midwest do not ring. Only dead silence. 
After reading XXXX complaints learned this is their common practice.
Product: Credit reporting or other personal consumer reports

Last month I sent a dispute letter to your company regarding an alleged charged off account on my credit report. I asked your company for the debt validation letter as well as the 1099c form for the debt you claimed was written off in the amount of {$14000.00}. I also informed you that I was instructed by the IRS to file form 3949a for illegal tax violations. I was waiting until Capital One did their due diligence and properly investigated, but I will now move forward with filing form 3949a because I am now under the impression that maybe some dishonest and unprofessionalism is going on. This dispute is to inform you that not only have you failed to send the requested documents, but you also failed to inform the credit bureaus that this account was/is in an open dispute so that they can properly notate the account to inform other creditors. You have potentially caused me to lose out on offers due to reporting this inaccurate item and not notating it was disputed. I am attaching my credit report as of XX/XX/24 to show that there is no note on the account as well as the discrepancies in the payment history being reported. How can XXXX report XXXX missed payments while XXXX report XXXX? Your company is not credible, and this is obvious gross misconduct. I am also attaching the dispute letter, which is dated, and time stamped, which will also show that you failed to provide the required documentation. The items below should all be removed from my consumer report under 15 USC 1681s-2 ( 3 ) : XXXX
Product: Mortgage

Hello, This is concerning my mortgage with Carrington Mortgage Services , LLC . I was awarded 18 months of payment from XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). They are paying a total of {$810.00}. I was informed that my mortgage payment will increase to {$1100.00} with a start date of XX/XX/2023. I have called the mortgage company on multiple occasions asking what this will mean for my forward payments from the HAF program, I have been given the run-around every time and no customer service representative knows what will happen going forward. The XXXX program will continue to pay the {$810.00} ; they have informed me that the amount can not increase because my mortgage payment is increasing. I need to know exactly what will happen each time a payment from XXXX is sent to Carrington Mortgage company as I do not want my payments to be returned. Will the {$810.00} be placed in a separate suspense account until another payment is made to complete the full payment of {$1100.00}. I really need to know what will happen going forward and each time a call is made to Carrington Mortgage the representatives give me a different answer each time. 
Please clarify what will happen to the payments from XXXX, will they be placed in a suspense account until another payment is made to complete the total of {$1100.00} Or will the payment be returned to XXXX due to it being a 'partial payment ' Please clarify, thank you
Product: Credit reporting or other personal consumer reports

Name of Bureau : Transunion LLC Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : The following inquiries were not authorized by me, please delete them. Never having given my permission for them to inquire about my credit status, they are unauthorized by me. Their continued presence on my credit report constitutes inaccurate information, which under the Fair Credit Reporting Act, must be removed. 

XXXX XXXX XXXX  Furthermore, I would appreciate the names, addresses, and phone numbers of these companies so I may follow up.

Your immediate attention to is matter is greatly appreciated. Sincerely, Your Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number : XXXX Date of Birth : XXXX
Product: Credit reporting or other personal consumer reports

There are substantial amounts of inquiries on my credit report that I have not made I would like them removed state law 609 requires a investigation
Product: Money transfer, virtual currency, or money service

Ive been using zelle for years and there was no disclosures about funds not being received or money not received by receivers. Missing funds never located or have gone to the wrong receiver. Never remedied the problem.
Product: Money transfer, virtual currency, or money service

I have had my Bank wire money to an account in XXXX it was never received, and now I was told that that money is not guaranteed to get back to me. I have done many wires in the past not sure if this is because of amount??
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Equifax and XXXX 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. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$26000.00}
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX XXXX XXXX
Product: Credit reporting

I attempted to obtain my free annual credit report from XXXX. I was able to get my report from XXXX and XXXX, but Experian would not allow me. When I was directed to their site from XXXX, I was asked to confirm the last XXXX digits of my SSN. I did that, but when it progressed to the next page it simply said " We were unable to honor your request. '' No other questions were asked. I was instructed to mail in my request using a form letter, including a copy of my DL and SSN. It 's frustrating to be denied when I was n't asked any additional verification information. XXXX and XXXX asked specific credit questions, but Experian did not attempt to confirm anything. Now I have to send a letter and wait for a response. Based on this experience, I 'm not even sure that I would receive it after I sent my personal information through the mail. At the very least, Experian should be required to inform consumers of why they were " unable to honor your request '' when the consumer receives a denial for their free annual credit report.
Product: Credit reporting or other personal consumer reports

This complaint is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited from such fraudulent accounts. 

If you assume or allege, I have received services, goods, or monies, please have a senior executive certify under the penalty of perjury, that I have obtained possession. All are being investigated by the FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XX/XX/2022.
Product: Debt collection

Block and delete the fraudulent items listed in my credit file immediately, per the law ( FCRA 605b ), or face legal action. Provide documentation bearing my signature within 4 business days ; otherwise, delete the information. I do not consent to E-OSCAR or automated verification. I demand swift resolution to this matter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reference number : XXXX. Please remove.
Product: Money transfer, virtual currency, or money service

This is the second tiime this has happened. First time the other party paid me for the issue. But PayPal was no help even with proof the transaction was authorized. This event took place today XXXX XXXX. They removed {$140.00} XXXX all money except their fee ofcourse ). I notified the client and he 's prepared to pay me back in a week or so, but that does not help me now. I 've called and submitted an email to PayPal upset because they do no investigation on their part to resolve this. And it leaves me in trouhble everytime
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has continued to make contact with me via mail after I have asked them to cease and desist any communication with me. This is a direct violation of the FDCPA. Communication is defined as conveying information regarding a debt directly or indirectly to any person through any medium. I never asked XXXX XXXX to obtain copies of any contract or related documents and mail them to me, I have never asked for validation or verification of this alleged debt. 
This company is making an effort to collect off of an extension of credit by extortionate means by furnishing negative information to my credit report in an effort to coerce payment from me, 18 USC 894. My social security number was used in connection with this transaction and I am aware that my SSN belongs to the Social Security Administration. Anything obtained with that number is the obligation of the United States. Being that XXXX XXXX is attempting to collect this alleged debt makes you guilty and in violation of the false claims act ( FCA ) 31 USC 3729-3733. In accordance with USC 15 1641, civil action can be brought against an assignee of a creditor. By XXXX XXXX continuing to make false claims that I am obligated to pay a debt and ruining my credit, you will be held civilly liable for tarnishing my credit reputation. I have never signed any paperwork with XXXX XXXX stating that I ever agreed to pay them anything. Whether this alleged debt was assigned to them or not does not make me liable to pay XXXX XXXX for something I never agreed to pay them. This company has used my personal and private information and has furnished this to credit reporting agencies which they never had my consent, written or otherwise to do. I DID NOT AND DO NOT CONSENT to this company furnishing this information to my consumer report. This by definition is considered identity theft 18 USC 1028A. They are also using my personal identifying information to try to collect an extension of credit by reporting my stolen information to a credit reporting agency to receive payment for an account that I never had with them. This is fraudulent and unlawful in nature. Any continued negative reporting of this account will result in legal action in Federal Court. XXXX XXXX has 15 days to delete the negative reporting or they will be sued for Defamation and for not complying with the FDCPA or FCRA. In addition, I will also be reporting this company to the FTC for aggravated identity theft and fraud.
Product: Checking or savings account

On XXXX  filed a complaint with CFPB stating I was unable to close account due to being out of area for business for an extended time period. The CFPB case XXXX was then given a Truist case number # XXXX  and was assigned to XXXX XXXX XXXX. After reviewing the account issue, on XX/XX/, Truist officially responded and closed my account on XX/XX/. Also, in this response, I was sent a letter stating that the initial deposit of {$250.00} will be refunded back to me with a check within 7-10 business days to the address on file. On XXXX, I called Truist to inquire about the missing refund check and a supervisor told me that the account was closed but did not show the date when the check was mailed out. She also told me that she will contact me by the end of the day with a follow up. I did not get a call back. On XX/XX/, I sent an email to XXXX XXXX XXXX requesting for assistance with my refund check. I did not get a response email. On XXXX I called back to Truist customer service line and spoke to another supervisor and she told me that I would have to go into a local branch to receive my refund since they could not cut me a new check. She also told me that she will follow up with me at end of day to see what options they could do. I informed her that they could return it back the credit card that I used to fund the account or send it to my current location since there is no local Truist branch. That follow up call back did not happen so am reaching out to get this issue to move forward and be resolved.
Product: Credit reporting

I have been experiencing issues with possible identity theft so I submitted a written dispute to Experian asking that they validate the information with several accounts showing that they have the proper person with regard to these accounts and I asked that both the creditor and credit reporting company provide documentation to show that these accounts belong to me. However, neither party produced or notified me of the documentation used to validate the information on my credit reports.
Product: Mortgage

My refinance closed in mid XXXX - UWM was paid in full and the remaining moneys in my escrow account plus any overages were due to me ... on XX/XX/XXXX the lender claimed they sent me the check ... by XX/XX/XXXX I hadn't received so I called them and they stated they would instead wire finds, and obtained my checking account and routing number ... 7 days later I called them again today and they are saying while they see the call from last week and the request to wire, it has been cancelled and instead a check will be reissued - nearly 60 days after the refinance was closed and the payoff processed ... this means I won't have these funds to pay other high interest bills and it will actually end up costing me {$1000.00} 's of dollars due to their ineptitude ...
Product: Vehicle loan or lease

My loan began  XXXX   XXXX  with a 42 month term at {$420.00} per month. They were harassing via telephone for late payments, called several family members telling them what was going on and asked to relay messages ... on top of that.. my loan matured almost  2 two  years ago. Im still paying for the insanely ridoculous interest amounts and get over fees. My original loan amount was a little over {$13000.00}  ..  as of  XXXX   XXXX  I have paid over {$25000.00} plus another year of late and high interest payments resulting in them getting more than double of my original loan amount. I am completely dismayed at the inhumane fees assoociated. As I am quite sure, I am NOT the only client of C.P.S. that has been/is a victim to these scammers. I pray no  one  else fall victim.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 
XXXXXXXX XXXX Account XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

On XX/XX/2020 I was sent a collection amount of {$330.00}, reference # XXXX, from Tate & Kirlin and Associates, INC. of XXXX, PA, for an Originator Creditor XXXX, account ending in XXXX. When I contact XXXX I am told I have no account with their company and I would have to resolve with the Creditor Tate & Kirlin. Tate & Kirlin have provided no details as to what this account/amount is or how it has originated, however, only seek a payment. I strongly believe this is fraud and harassment to collect a debt of which is definitely not mine! A fraud investigation into Tate & Kirlin is necessary to solve this issue.
Product: Credit card or prepaid card

TD Card Services TD XXXX card was cancelled in XXXX. The card also expired in XXXX. On XX/XX/XXXX, a vendor was allowed to force through a charge for a subscription renewal in the amount of {$24.00}. 

If the vendor wishes to receive payment, the vendor must request new payment information. If a card is cancelled AND expired, a credit card can not be billed for services that have yet to be rendered.
Product: Credit card

Have an account with American express. And had a balance of XXXX dollars and I pay my bill on time XXXX month did not receive a bill and called to pay them over the phone I gave them my card number over the phone and they said okay and gave me a confirmation number I never saw the money come out of my account so I called them and they said the number was invalid and looks like I left out a number or they did n't get all of it. I then paid the bill with right number they then said everything was fine the next month they lowered my balance from XXXX to XXXX and I called to find out why and they put me on hold everymonth I called no one gave me any help now they sent me a letter saying they are canceling the card I was never late and the most on the card was XXXX my credit is a XXXX and they just broomed me on the rug instead of taking care of a customer who gets there card closed for paying on time and paying more than the amount wanted the worst card ever.
Product: Credit reporting or other personal consumer reports

Trust agreement was entered between XXXX and myself. This company committed security fraud by trading this note in questing and not providing me the books so I properly balances the books with the United States Treasury to receive my credits bask from this trust agreement. Per the attached letter concerning UNITED STATES business entities I.E ALLY BANK. who commercially-operates on the United States Public markets and excepts and/ or exchange in the United States currency while providing good and or services to U.S. customers/consumers in everyday commerce. Your business entity is federally-bound to UNITED STATES AND U.S. public debt obligations. like this vehicles contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent dispute letter on XX/XX/2022. I told all three credit bureaus to INVESTIGATE and VERIFY all information on every account but I got the dispute result from Experian that the disputed item is verified and updated. 

They can not just say verified and updated the account without proving me regarding proper investigation. Also, every information on the accounts are still not reporting 100 % accurate. According to the FCRA 15 USC 1681, all information should be 100 % ACCURATE. I have the credit report to prove the inaccuracies. 

List of accounts XXXX XXXX  XXXX  Account Number : XXXX XXXX  XXXX  XXXX  Account Number : XXXX
Product: Checking or savings account

I made a deposit on XX/XX/2023 to my chase checking account. They put a hold on the check that was deposited. They have already received funds and are telling me that they can not verify that the funds are available. I have called four separate times to get an answer as to why they put a hold on my check that I deposited. The check that was deposited was from another account I have with XXXX XXXX and I have spoken with the branch manager at the XXXX XXXX location where I do my banking with them. The money was withdrawn from the account on the XXXX and chase has the funds. This is the tenth time this has happened in the last six months. Now chase is charging me for overdraft fees despite the check being paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   says I was 30 days late in   XXXX   2017. Please see attached payment history ( specific to account ending in  XXXX  ) from   XXXX   2017 to present showing on-time monthly payments.
Product: Credit card

I travelled for XXXX week in XXXX for the first time. I've been using shared drive most of the time. Taxis and shared drives are very cheap in XXXX. All my purchases on taxi average less than {$10.00}. My credit card is Capitalone. This XXXX time I took a real taxi the driver took my credit card as the other passenger 's credit card was declined. He charged me close to XXXX times the real price ie {$520.00}. Hence the reason why the other passenger 's credit card declined the transaction. Capitalone did not. I called them the next day to state it was fraudulent. The agent told me as it was a pending transaction they couldn't do any thing at this stage and to call the next day. So I did explaining there is a pattern in the amount I pay taxis and that is XXXX times less than this specific transaction. Capitalone first credited this amount but 10 days later reinstated the amount despite all my claims that {$520.00} for a taxi made no sense as it is 1 month salary for an average worker in XXXX. They wanted either a receipt or that I call the merchant. An almost impossible task as there's no phone number associated to any taxi in addition to over there they don't provide receipt. I now learned that taxis in XXXX are prone to scam passengers. Despite my asking Capitalone not to pay this insane amount the day after for a taxi Capitalone has failed to protect me against a clear scam. 
My wife and I have been loyal customers for 25 years, we have a XXXX XXXX XXXX and this financial institution has refused to prevent a clear fraudulent transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

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.

FCRA 605 ( a ) ( 6 ) ( A ) 1 ) XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX : {$1100.00} REQUESTED VALIDATION FROM COMPANY Attached I have a included what was FINALLY mailed to me after request were made by the CRAs. As you can see XXXX XXXX XXXX has FAILED to provide me with a copy of any form of signed written proof that this is my account The requested information of my written permission has not been given to companies that are reporting to XXXX, Equifax, and XXXX. Previous request of the CRA to provide me with this written proof of such authorization has gone UNANSWERED.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later, I have not received a response. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ) plainly states that a failure to investigate these claims within 30 days gives a reason to immediately remove those items claims from my credit report.It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation do to the stress I have been caused. My information was also impacted by Equifax data breach and may have got into the hands of the wrong person,