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

on XX/XX/XXXX XXXX CREDIT CARD SHOWED UP WITH A XXXX Balance. Incorectly which shot my credit down XXXX points. to XXXX ... called chase and filed a dispute... they now show me to the normal credit card balance of XXXX. 

Called corporate offices since this has affected my businness and XXXX loan. 

XXXX received the correct balance as of today XX/XX/XXXX. my score went up XXXX points yet it still shows on my report that I once had that balance. my score should of been back up to XXXX. 

They should not be able to do those things even by accident, how does my credit shot by XXXX points and only once corrected up XXXX points. Help! XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXX XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$590.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the fraudulent items have been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 National Credit Adjusters Collections add a  derogatory mark on my credit report pre credit karma. Upon, further research, this account was transferred/sold and i am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of communication, contact or signature for this accused debt at all. All bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, National Credit Adjusters Collections has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

This occurs quite often with the debt collector that capital one uses. They call and threaten me with legal action if the debt is not settled.
Product: Debt collection

Caine & Weiner has violated my federally protected rights and has failed to let me exercise my rights under the FAIR DEBT COLLECTION PRACTICE ACT 15 USC 1692. Caine and Weiner continues to try to coerce me into paying the alleged debt. XX/XX/2022 Caine and Weiner signed for my Conditional Acceptance letter that was sent via certified mail tracking number XXXX XXXX XXXX XXXX XXXX XXXX. Attached are the signature letter and conditional acceptance. 
I agreed to pay Caine & Weiner if they could produce a contract binding you ( Caine and Weiner ) and I, proof of your claim and a signed invoice within 15 days if they could not provide proof they admit to being a party of interest and can not rightfully enforce a claim, they failed to provide that or respond back. They have little to no information and making it impossible to validate the alleged debt. It have been over XXXX full months since I agreed to pay and they failed to produce the information as it is my right to receive that under the Freedom of Information Act. Caine & Weiner has fringed upon my rights to privacy. I have and continues to suffer from actual damages and injuries as this company has made it completely impossible to exercise my rights getting information on the alleged debt.
Product: Mortgage

I have had a mortgage with Bank of America, loan number XXXX for many years. My taxes and insurance for the property are not escrowed, so I pay my insurance premiums directly to my insurance company every year. I have never missed a mortgage payment and have kept the property fully insured with fire, flood and windstorm policy.

Last year I decided not to renew the windstorm p
olicy as the premium had dramatically increased and decided to self insure. At the time, I did not believe windstorm insurance was required by the bank because every year I was required to prove I had a fire and flood policy, but not a windstorm policy. 
In XXXXXXXX XXXX XXXXXXXX, I received a notice from Bank of America dated XX/XX/XXXX advising windstorm insurance was required and if I did not get a windstorm policy, one would be purchased for me at my expense. I immediately purchased a windstorm policy and Bank of America sent me a letter dated XX/XX/XXXX thanking me for renewing my windstorm policy and confirming the policy met their requirements. 
In XX/XX/XXXX, I received a letter, dated XX/XX/XXXX, from Bank of America advising that due to a lapse in coverage from XX/XX/XXXX to XX/XX/XXXX they would have to purchase a policy at a cost of {$100.00}, unless I could prove I was insured for that time period. 
As that time period was in the past and no loss occurred, it certainly was not necessary for them to purchase a policy and charge me for it. 
I called Bank of America on XX/XX/XXXX to dispute this charge without any resolution. I asked the representative I spoke with to escalate this matter so I could get a resolution and she refused to do so. As of the date of this complaint, the bank still intends to charge me the {$100.00} and no one from the bank has contacted me. 
For the bank to threaten to purchase a policy for a 38 day lapse in coverage in the past which occurred 8 months ago is totally unacceptable. There was no loss to the bank, the property is now fully insured and all mortgage payments have been made on time. 
I am requesting that Bank of America stop immediately from purchasing this policy and charging me for it.
Product: Debt collection

Dynamic Recovery Solutions is repeatedly charging me for the same debt that I have paid years ago. The current creditor is XXXX XXXX XXXX XXXX XXXX. I have repeatedly asked them to stop recharging me for the same debt over and over again. The debt appeared on my credit report in 2007 after I paid the debt in full and it was settled. Dynamic Recovery Solutions waits a year or two and then mails me the same debt and that it is in collections. This is clearly harassment and at this point I'm feeling threatened and extorted.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX  2018 I reported to XXXX, Equifax, and XXXX that an account appearing on my reports was fraud. I notified idenitytheft.gov and followed there reporting procedures for identity theft. I sent a certified letter to XXXX  and all 3 credit reporting agencies. XXXX immediately removed the account, but XXXX  and Equifax  have not.

Know XXXX is reporting this account as 90 days past due and charged off. This has resulted in my credit being damaged and has effected my credit.
Product: Credit card or prepaid card

To whom it may concern, I have two credit card accounts with financial services ; destiny & indigo, run by the same company. They recently did an update online and you can not select the box to finalize the payment. It has been weeks now. Every time I call, ranging through different hours of the day, the line prompts you that they have a higher than normal call volume and to call again later. How can I even make my payment if I can't do it online or with an agent. I've tried multiple numbers all resulting in the same busy prompt. Any help would be greatly appreciated. 

Warm regards, XXXX XXXX
Product: Credit card or prepaid card

After paying off the balance on my secured card, they froze my account and said during a " routine review '' I needed submit verification. They requested my driver 's license and bank statement. I have never had a credit card secured or otherwise ask for this information but, I complied. I requested my account to be closed and my security deposit returned. I also had a credit builder CD account. I paid it off and requested pay out on that as well. They currently owe me {$3500.00} A month later all they will say is account still under review. 

There I currently a warning on XXXX  website about this company so, I am part of a much larger group all experiencing the same problem
Product: Mortgage

Me and my wife ( a/k/a ) XXXX submitted an application for the refinance of our apartment building to Arbor XXXX Mortgage, XXXX XXXX Arbor XXXX in XXXX for an FHA loan ( which was discontinued, for some reason ) and then again we submitted another application for a XXXX loan on XXXX with Arbor. We had submitted a {$25000.00}. deposit with the application. After six XXXX 6 XXXX months time had passed, on the XXXX application, Arbor sent us a letter dated XXXX/XXXX/XXXX which was received by us, 31 days later on XXXX/XXXX/XXXX which turned us down. Later, Arbor told me that the reason was that the apartments were too small XXXX. Arbor knew the sizes of all the apartments back in XXXX XXXX when we sent Arbor a rent roll which depicted other information and the sizes of all the apartments and again in XXXX XXXX, which again, depicted all the apartment sizes. In spite of the above, Arbor ordered an appraisal for {$6000.00}. and an environmental report for {$4800.00}. on XXXX/XXXX/XXXX ( To this day we have never seen a copy of either report XXXX My problem is that they feel that they are entitled to keep {$13000.00} and only refund us {$11000.00}. I sent a letters to XXXX XXXX, CEO of Arbor, on XXXX/XXXX/XXXX and I never received a reply. Upon information and belief, XXXX XXXX, of Arbor, and the XXXX underwriter XXXX XXXX XXXX knew the above information, full well, in XXXX and XXXX. Please note that XXXX XXXX XXXX never signed the contract ( or agreement ). It was left blank. I feel that Arbor should refund all of my {$25000.00} plus interest @ 9 %. 
fact that Abor never signed
Product: Debt collection

I am receiving 2-3 calls a day 7 days a week. Today I got one in the morning and then one at lunch time and another at XXXXXXXX XXXX. Yesterday I got one in the morning and one in the afternoon. They are automated calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX with the fair credit reporting act convergent acct # XXXX XXXXXXXX XXXX XXXX paid off and needs to be deleted from the credit report, Also XXXX was also closed and settled and needs to be deleted from all three credit bureaus. Both My XXXX XXXX 's Acct number XXXX and account number XXXX  were both paid of and settled for deletion on all three credit bureaus. 
15 U.S.C 1681 Section 602A states I have the right to privacy, 15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction. 

I paid off these account even though they are still listed and has a charge off on the four of them, I need all four account deleted immediately. 

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

XXXX, Experian and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts On XX/XX/21 please be sure to enter dates that all letters were sent. 

Due to no response for more than 60 days I would like these accounts removed from my credit Report
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Please investigate the history reported on this account. It is absolutely inaccurate. Correct or delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take car XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately Please investigate the history reported on this account. It is absolutely inaccurate. Correct or delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take car XXXX  Account Number : XXXX As a consumer by law, this account must be deleted immediately Please investigate the history reported on this account. It is absolutely inaccurate. Correct or delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take car XXXX XXXX XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately Please investigate the history reported on this account. It is absolutely inaccurate. Correct or delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take car XXXX XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately
Product: Mortgage

I ordered my credit reports from all XXXX agency 's. I noticed XXXX 2014 payment was showing late and I contacted Ocwen to see why and they said I did not pay it till XXXX XXXX, 2014. I began disputing this. I also hired XXXX XXXX for some stuff I was cleaning up on my report. I cancelled with them as I never thought to pull my bank statement to see when it came out of my XXXX account. When I pulled the statement online it is showing the money came out of my account on XXXX XXXX, XXXX not on XXXX XXXX, 2014. Ocwen is saying they can not do anything as far as updating my credit profile and I have my bank statement showing that it did come out of my account on XXXX XXXX, 2014. They said prior that if I sent the statement to the research department it would be adjusted. I called and they said there is nothing they can do.
Product: Debt collection

I received a notice of collection account from Waypoint Resource Group ( WRG ) on or about XX/XX/2022, indicating that they were attempting to collect an alleged debt for XXXX XXXX. Please note that I had also received multiple, repeated calls from WRG despite my request for any communications to be only in writing. Per my consumer rights, I submitted a written request to WRG on XX/XX/2022, sent via USPS certified, return receipt mail requesting full verification of the alleged debt, as I do not believe this a debt that I owe. I have verified that this letter was received and signed for a WRG representative on XX/XX/2022. I never received written verification of the debt. On today, XX/XX/2022, I reviewed my XXXX credit report and noted that WRG had reported this account to the credit bureau as a debt that I owe, yet still had not provided written verification of the debt to me. I contacted WRG via telephone on XX/XX/2022 at XXXX XXXX, initially speaking with a representative, XXXX, who acknowledged receipt of the letter and then stated the initial notice sent was the debt letter. I informed her that the letter received only indicated that WRG was assigned a the responsible party for collecting the debt, but did not indicate any verification of the debt. XXXX indicated that she could request a debt verification statement, but it would not be available for 5-7 days. XXXX ended the call abruptly. I called WRG again on XX/XX/2022 at XXXX XXXX, this time speaking with a representative named XXXX. She again confirmed that my letter was received by WRG on XX/XX/2022 requesting verification of the debt. She indicated that she would request the verification statement and it could be emailed to me within 1-2 days. My rates have been violated by WRG, as they did provide the requested debt verification and have subsequently ( and erroneously ) submitted collection information to the consumer credit bureau that has negatively impacted my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Equifax, and XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX. Equifax has me at a score around XXXX and XXXX XXXX. That is a huge difference. tEquifax and XXXX paints me as an irresponsible person. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with Equifax and XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Equifax and XXXX I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me the accounts are verified but it keep reporting this inaccurate information without my authorization. They refused to remove these accounts from my report which is in violation of the FCRA. Equifax and XXXX are abusive companies. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Debt collection

I have a loan with a small remaining balance with One Main Financial XXXX XXXX, XXXX XXXX. There is a 10 day grace period before there is a late fee attached to the bill. I have told this branch a couple of years ago to stop calling me during the grace period. For the past two months I have had a short fall and I have paid after the 10 day grace period. They call my job and leave messages on my voicemail and do not state who the company is but they just leave their name and ask me to call them back. I do not have a direct number to my office phone so they are calling the receptionist everyday and asking for me. This is the only company that I know that does this. Anyone else will send a later after the grace period.
Product: Debt collection

In XXXX I received a personal loan from XXXX. Right after COVID hit and I lost everything. In XXXX I began to recover and tried contacting the company and they said they did not have an account under my name but had sold my account to a debt collector called Ad Astra Recovery Services. For 2 years I have tried to pay this off but all I get is no such account, on hold for hours, no answer, or you have to call XXXX/Ad Astra-in other words finger pointing. Now they have blocked me from being able to make any type of payment except money order which I am not gon na do because I have been burned way too many time and the mail carriers are extremely undependable. The finger pointing has begun anew in who is responsible and who can unblock my payment status. The {$500.00} is now {$940.00} because of the shady tactics and false promises by both companies.
Product: Credit reporting or other personal consumer reports

Please include me in your class action lawsuit against this company see my numerous disputes regarding the same inaccuracy and incompleteness. 

After 24 months of disputes all three cra is still reporting different information about the same accounts and they all say they are accurate. 

All different reporting about the same account on three reports which is inaccurate I am ready to initiate litigation and use all three reports as exhibit A. This has damaged me and caused me stress and anxiety. Compensatory and punitive damages I think is a remedy Ill accept See the numerous disputed submitted as proof. the disputed inaccurate accounts are ; XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX # XXXX all disputed items must be deleted at this point I have built a documentary evidence case against all three cra.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : BULL CITY FINANCIAL # XXXX - Balance {$100.00} UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

INFORMATION USED FRAUD. WRONG ADDRESS. WRONG NAME FRAUD
Product: Checking or savings account

In Early XXXX, I opened two accounts with Robinhood, a XXXX XXXX  and an individual account totaling around XXXX After a week or so, they closed my account citing Suspicious Activity ( XX/XX/XXXX ). That was acceptable to me because the brokerage was not a fit for me as they do not allow short sales. I began emailing them requesting the funds and wasn't able to connect with anyone until the end of XXXX. 
They said that they would send the funds to the originating account. That account is with another brokerage and is still open and functioning fine. They claim that transfer was initiated on XX/XX/XXXX. However, as of today ( XX/XX/XXXX ) that sweep is still pending. A different sweep was attempted on XX/XX/XXXX but that one is showing as failed.

They have never explained why the account was closed. They have responded with auto responses most of the time except for twice in which they stated the funds would go to the originating account and if that was unsuccessful then the funds would be escheated by the state.