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

A recent investigation of Acct Number # XXXX Creditor : XXXX XXXX XXXX  did not remove the unverified negative account from my Equifax credit report, reporting in collections. 

Equifax Under the FCRA is required to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In results of their investigation they did not send me provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this as a formal complaint against Equifax for not investigating and removing the errors and inaccuracies from my credit report. Equifax has violated my privacy and my rights under the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit reporting agencies required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. Under the FCRA, unverified accounts must be removed unless they are able to provide me a copy of verifiable proof which they have yet to do after multiple requests. Please see my attached disputes previously sent to Equifax and help me get these resolved.
Product: Credit reporting

XXXX credit ... a debt collector ... has filed without following guidelines of fcra
Product: Credit reporting or other personal consumer reports

Company name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is closed and is reported by their company for a balance of {$610.00}. I have not agreed to or signed a contract with this company and I asked it be removed from my credit report. 

Company name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account is closed and are reported twice in my credit report. your company for a balance of {$1000.00} and {$810.00} and the balances are incorrect. I have not agreed to or signed a contract with this company. I fell on hard times and communicated this with XXXX XXXX so I asked that this be removed. 

These 2 companies are relentless and refuse to remove anything that is a result of falling on hard times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed these public records and they refused to remove the public records, they advised they verified the information, I Sent a letter to the XXXX XXXX of Michigan courthouse and I asked if they report bankruptcies To the credit bureaus, they said they do not report to anyone how did they verify this was accurate. According to section 602 states that I have a right to privacy 15 UCC 1681 604 a section 2. They never did a fair investigation according to US C 15 181 section 603E which states the term investigated consumer report or portion thereof are obtained through personal interview
Product: Credit card or prepaid card

On XX/XX/23 I went into XXXX XXXX  in XXXX XXXX XXXX XXXXXXXX CA XXXXXXXX. This company is aware that I'm a XXXX veteran scamming me, and committed fraud. They opened a fraudulent account under a name that is Not mine. Promised to provide me with a proof of authenticity certificate for a ring guard. 
They promised to provide me with a proof of authenticity ( gold/diamond ) jewelry - it never materialized. I have No proof that said jewelry is real. I reached out to both locations - ring needed sizing. I was instructed that their sister company XXXX XXXX would size and give me proof of authenticity. They ( XXXX ) stated I'd receive proof in the mail. Nothing ever received but the Iddeal Card with a fake last name XXXX. I reached out to both phone numbers phones disconnected, no forwarding phone number. I am constantly getting harassed to pay for a piece of junk that I have No Proof of being real. Also the widening of guard did not last. I have No proof of gold or diamond ring as told to me. 
I have disputed with the credit card company. I recently received a copy telling me All Sales Final - No Refunds. The letter that I was given " If Any purchase Is Not Satifactory, it will be subject to provider 's refund policy. This company has No integrity and is a fraud. I am seeking assistance ASAP in this matter with this company that has conned me and is harassing me by tarnishing my credit.
Product: Credit card or prepaid card

I applied for a credit card from HSBC and was told I has to go through a process through the HSBC Fraud Operations Team, this is what they sent me. 
Dear XXXX, Thank you for your application. As we have informed you through the process, federal regulations and internal bank policies require us to obtain specific customer identification information. We want to make sure we gather the proper information so that you can start your HSBC relationship. 

during that time I was ask why I file a protection with the credit bureau and was ask when I filed it and why, I explain my purse was stolen and I filed a police report, in the process I had to get a new driver licenses, the company ask me to send a copy of my license and they will contact me in 48 hours of doing so, I never heard from them with in 7 days so I contact them and I was told they could not see the picture so resend it and I did and when I called them back they said the issue date on my license did not seem right. I believe they sent me through all this because of my color or race and then they sent me this letter. 
Dear XXXX, Thank you for applying for an HSBC Cash Rewards Mastercard credit card. 
Unfortunately, we are unable to approve your application, because we are unable to verify your identity. 
Please note, a credit check was not performed. 
why sent me through this and no check was done. 
I ask to speak to a supervisor and they said no supervisor is around to talk with so I ask who was in charge and I still was sent on a run around.
Product: Credit reporting or other personal consumer reports

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX # XXXX, Account name : XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX, Account name : XXXX  ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX ) # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 
According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

15 U.S.C. 602 a. right to privacy
Product: Debt collection

XXXX XXXX XXXX XXXX was trying to collect on this same debt, now Monarch Recovery Management Inc is trying to collect. 
Neither provided no proof of the debt, but instead made a settlement options.

1 ) .Provide me with proof that you possess the legal right to collect on this debt by producing evidence, such as a transfer of the signed credit card agreement.

2 ) .Provide me with proof of chain of custody evidence signed agreement between your company and the original Creditor, such as a purchased agreement ; which must include the full purchased price your company paid to acquire this debt from original creditor.

3 ) .Proof that you are license to collect this debt in the state of Texas .

4 ) .Please provide a verified copy both front and back of the alleged debt contract/agreement/promissory note in its entirety with my signature on it, including any applications, accompanied by a commercial affidavit, sworn to be true, correct.

5 ) .Provide verification and documentation, if there is a charge-off of the alleged debt by the original creditor by providing a copy of the written agreement that created the requirement for your company to seek repayment of the debt claimed and what stipulates your terms to collect the alleged charge-off debt in its entire balance claimed owed by me to the original creditor.

6 ) .Please provide proof that the alleged debt has not been satisfied by any means available including the originator creditor receiving federal Tax write-off or credit for the entire debt used by them as a charge off.

7 ) .Please provide proof that you have not purchased the alleged debt.

8 ). Provide proof of all billing statements from the beginning and closing date of the alleged account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Filed numerous FTC to try to resolve the issues related to unconfirmed accounts on my credit report.
Product: Vehicle loan or lease

US Auto Sales Of XXXX XXXX XXXX XXXX  XXXX is where I purchased the vehicle from In XXXX XXXX XXXX XXXX 
In XXXX I was contacted by Westlake Portfolio Management saying that I owe them for the vehicle. I had not signed any lease with them nor do I know how my loan got into there possession. XXXX between the months of XXXX and XXXX the vehicle was repossessed from my home at XXXXXXXX XXXX How can I file anything against them?
Product: Mortgage

I called Specialized Loan Servicing to make a monthly payment and they refused to accept my payment. I was told that they would not accept a payment of {$800.00} ; which is one ( 1 ) month payment that the payment had to be one ( 1 ) month payment + half a payment. This is not the first time they refused to accept my payment ; in XXXX XXXX they accepted a payment of {$780.00} ; however in XX/XX/XXXX I was informed that they did not accept that payment and I needed to pay the new amount of {$800.00} ; an increase that I was not aware of. I did pay the amount requested, however it then put me at 2 months behind in payments. I have paid the {$880.00} up to this date and they have accepted the payment, however today XXXX XXXX, XXXX they refused to accept the payment ; which would put me at XXXX ( 3 ) months behind. I have been working with the Loan Modification department since XXXX XXXX.
Product: Mortgage

XX/XX/XXXX, lenders property was under contract and pending sale. 

XX/XX/XXXX, Roundpoint dispersed {$2000.00} towards county taxes to XXXX XXXX XXXX for the property. Roundpoint failed to notify lender of dispersement by any means, including through the lending portal. These actions led to escrow shortages, complications, and double-payment during closing on the property. 

XX/XX/XXXX, property sold and closed. Taxes of {$2000.00} paid to XXXX XXXX through closing attorney. Attorney indicated an escrow shortage from Roundpoint. 

XX/XX/XXXX, XXXX XXXX public records indicated taxes were received by the closing attorney, not Roundpoint. 

XX/XX/XXXX, XXXX XXXX refunded Roundpoint all taxes. Same day, lender contacted RoundPoint to notify them of the refund. A ticket was opened, Roundpoint mailed an escrow notice indicating no overage and a closed account. 

XX/XX/XXXX, contacted Roundpoint, requested an update and return call from tax and treasury ; call not returned. 

XX/XX/XXXX, contacted Roundpoint, requested an update and return call from tax and treasury ; call not returned. 

XX/XX/XXXX, contacted Roundpoint, requested an update and return call from tax and treasury ; call not returned. 

XX/XX/XXXX, contacted Roundpoint. Agent informed lender there was no update on the refund. Asked for escalation and a return call again.
Product: Credit reporting, credit repair services, or other personal consumer reports

American express had opened four credit cards since XXXX for XXXX XXXX XXXX and my company had financial problems since XX/XX/XXXX and then came in the tornado flooding my rental property. 
THEN cAME IN COVID -19 epidemic and we had a stay at home order by the city and asked to shut down our operations. 
I have a payment on XX/XX/XXXX and in XXXX they put it on my personal credit where as these were my business accounts- XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I was assessed a tax fee for registering my car in NY state. Honda Finance billed me for it and paid the taxes directly to NY DMV. Honda is still billing for these taxes, though I have already submitted my receipt. I want to ensure that I am not charged additionally and or for any late fees.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple disputes with XXXX concerning an unauthorized hard inquiry ( Comenity bank/XXXX XXXX Acct # XXXX ) and an unauthorized collection account ( XXXX XXXX Acct # XXXX ) {$1100.00} on my credit report. On XX/XX/XXXX, I sent my second round of disputes and the collection came back verified. On XX/XX/XXXX, I sent my third round of disputes and on XX/XX/XXXX, I received partial investigation results from XXXX that the hard inquiry and collection account was verified. This is a lie because on XX/XX/XXXX, Comenity Bank sent me a letter and also sent a letter to XXXX saying " After review of the XXXX XXXX Reward claim, we have concluded that you are not responsible for the disputed account. '' Also, the letter stated that they submitted a request to XXXX to remove this off my credit report. This is evidence from the creditor stating that the account isn't mine, so how does XXXX continue to say the hard inquiry is verified? That's a lie! Additionally, since XXXX would not remove the collection account off my credit report, I filed a XXXX complaint on XX/XX/XXXX on XXXX XXXX for having an unauthorized account on my XXXX credit report and on XX/XX/XXXX XXXX XXXX responded to the XXXX complaint stating, " We have no record of any disputes or communications with such complaint. However, today we submitted a deletion request to the credit bureau. '' This is evidence that the collection account needs to be deleted immediately. If the creditor has no record of three rounds of disputes, this lets me know that XXXX is not sending my dispute letters to each creditor and just annotating " verified '' on the investigation results when it wasn't verified. This is really starting to irritate me. I am also a victim of the XXXX data breach. This hard inquiry and collection need to be removed from my XXXX credit report today!
Product: Checking or savings account

My ex stole all my cards information at XXXX. I filed a police report gave them the information told them he has a charge of XXXX XXXX XXXX XXXX XXXX XXXX against him. They told me to open a new account so I did transferred the money to the new account and everything I thought was fine. But then a few days later they froze all my accounts I had no access to my money at all. I had been fighting with them for months about this. This isn't fair to me that I have lost all my money cause they took what I had in my savings and the new account and put it back into the old account and it is still frozen. So I had to go find a new bank and my XXXX they are keeping. When it was stolen from me I have to replace it again and they won't give me a XXXX of my money back. That's not right or cool when they were the ones who told me what to do. And then they keep all my money anyway. They have all the information case number etc that's all I had now I have nothing raising XXXX babies. I gave them the guys information on who stole it and everything. They should go after him and give me my money back. Can they even do that??
Product: Checking or savings account

J.P Morgan  Chase Bank processes checks in a fraudulent matter that benefits Chase and hurts its own customers. Chase claims that you have until end of the business day to fund your account if you are overdrawn. However,  Chase  claims that checks are processed at  XXXX , when in reality they are not processed until next morning, but the date processed on the account shows as the day earlier, causing fees to be assessed to the customers ' accounts. They also, in a fraudulent matter, process checks from the highest amount to the lowest amount all at the same time, even when the checks are deposited by the receiver at different times. This scenario causes the maximum amount of fees to be assessed to the account. Checks are processed at the time of the lowest balance before any deposits are credited to the account. This is apparent when checks are processed at  XXXX , not allowing for any deposits that were made that day to credit the account, since they are made available the next business day.     For example, our business account has funds that come in and go out regularly. Deposits are made by our credit card processor regularly, with it showing up in the account within  24  hours. However, it seems these deposits are held up by Chase when the account is at its lowest and checks are then processed. If the following checks were written, {$1800.00}, {$90.00}, {$85.00} & {$75.00}, with an account balance of {$3000.00}, there is enough to cover these checks when the checks were written. However, business goes on, the debit card is used and withdrawals come out, while deposits come in from our credit card processors. Let 's say {$2000.00} has been withdrawn but a deposit coming in of {$2500.00} has been issued. So, before the deposit is made, there is an account balance of {$1000.00} on Monday, not enough to cover checks that have been written a week to a few weeks ago. Then at  XXXX  the next da y ( Tuesday ), t he {$2500.00} deposit was never credited yet but the checks of {$1800.00}, {$90.00}, {$85.00} and {$75.00} are cashed all at once. The date then shows on the account as Monday for the processing, even though it was done on Tuesday. The {$1800.00} check is cashed first, causing the account to drop at - {$800.00}, causing a {$34.00} fee, then going forward {$90.00}, {$85.00} and {$75.00} are cashed, causing  3  more {$34.00} fees. Then late that day the deposit of {$2500.00} shows up bringing the account back to positive. However, Chase Bank already maximized its fees. If the {$75.00}, {$85.00} and {$95.00} checks were cashed FIRST, the account would have a balance of {$750.00}, then when the {$1800.00} check is cashed overdrawing the account, only one fee would be assessed. This is a very fraudulent process and it has happened to me a few times in the past.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit report, I noticed some accounts I am not familiar with, I have asked the CRAs for validation of debt however the information has not been provided. Due to my information being exposed, I have submitted an ftc complaint reporting the information I am not familiar with. Please find attached a copy of my ID, The FTC Complaint, Copy of the XXXX report showing my information being exposed in a national data breach and a validation of debt letter.
Product: Debt collection

in regards to what is going on i have a collection account with Kimball trey & ST John due to an unlawful detainer through the XXXX courts. they claim that i owe them XXXX when the documents that i retrieved from the XXXX county courts say that i owe XXXX in which i have contacted them twice and offered to pay them the XXXX and they refuse to except saying that the XXXX was attorneys fees.and the Memorandum clearly states that the attorneys fees our only XXXX i sent them a copy of the paper work and i told them they where giving false statements to the credit bureau. i did disput the claim and the credit bureau said do an investigation and this was the next step that i am taking .what ever help i can get it is very much appreciated .Thank you in advance Sincerliy
Product: Debt collection

I'm a single Father and i attempted to finance a home for me and my family and i could not because of my credit. That inspired me to check my credit report and I saw a lot of fraudulent items I did not authorize.
Product: Credit reporting or other personal consumer reports

UNKNOWN INQUIRIES : XXXX XXXX  DATE : XX/XX/XXXX CALLED COMPANY THEY SAID I HAVE TO CALL THE BUREUS TO DISPUTE. XXXX XXXX XXXX XXXX DATE : XXXXXX/XX/XXXX INQUIRY FOR CREDIT CARD CALLED COMPANY THEY SAID I HAVE TO CALL THE BUREUS TO DISPUTE. 

XXXX DATE : XX/XX/XXXX CALLED COMPANY THEY SAID I HAVE TO CALL THE BUREUS TO DISPUTE.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Account Name : XXXX XXXX XXXX Account # : XXXX Balance : {$750.00} Date Opened : XX/XX/XXXX Account Status : Open Account Name : XXXX Account # : {$1000.00} Balance : XXXX Date Opened : XX/XX/XXXX Account Status : open Account Name : XXXX Account # : XXXX Balance : {$970.00} Date Opened : XX/XX/XXXX Account Status : Open Account Name : XXXX XXXX  Account # : XXXX Balance : {$24000.00} Date Opened : XX/XX/XXXX Account Status : Closed Account Name : XXXX Account # : XXXX Balance : {$640.00} Date Opened : XX/XX/XXXX Account Status : Closed UNAUTHORIZED INQUIRE ( S ) 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