23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

HFC Beneficial Acct. # XXXX -- On XX/XX/2017 my mortgage was purchased by XXXX XXXX XXXX XXXX from HFC Benefcial. I had already scheduled my mortgage payment to HFC for XX/XX/XXXX and was unable to cancel it. I contacted HFC directly and they assured me the payment would be forwarded to XXXX. XXXX New Acct # : XXXX. 
It has now been over 14 days and my payment has not been credited. I want this straightened out. I have called numerous times and nobody is helping.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX I have sent certified letters on XXXX/XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX asking them to remove the unverified accounts listed here : ( XXXX XXXX XXXX XXXX - {$600.00} and XXXX XXXX XXXX XXXX - {$300.00} ), that remain on my credit report in violation of 15 U.S.C. 1681. They are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of each of their re-investigations, they stated that they verified that these items are being reported correctly. 

Where are the documents that they used to verify these accounts? What is the name of the person in their company who verified these accounts? What documents did they use to verify them? I have asked them to provide me with the name of that individual, their business address, and telephone number. 

XXXX Law Dictionary, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

This means that their company must be willing and able to produce a document in their files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and they must be able to do this in a court of law if I file a lawsuit against them. Someone in their company must authenticate the documents in their files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. 

As I am sure that they are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). 

They have ignored my requests to provided me with the documents that they have in their files that they used to verify the disputed accounts which means that they have NOT verified or they can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if they fail to comply with this Federal Law
Product: Debt collection

I filling a complaint against the CCS companies which is a collection company. They were attempting to collect a debt for XXXX XXXX  which I left months ago and shouldnt have been charged in the first place. I moved to another state. CCS had my phone number on file and never attempted to contact me to collect this debt which is a petty amount that I would of payed if I knew. But instead they messed up my credit. This company is very lazy and makes no attempt to really try to contact customers. They claimed they sent letters. Well I moved, at least try to call the customer since you had the right phone number on file. I had to try and find out who they are and call myself to settle this once I saw it on MY CREDIT REPORT. This company is useless, greedy and very lazy. Put them out of business CFPB. They have a XXXX stars on XXXX and every customer is complaining about the same things.
Product: Credit card or prepaid card

On XX/XX/17, I transferred money from my amex reserve savings to my main account to pay two utility bills. Once I transferred the money, I noticed when I tried to make payment it declined. So I logged back into my account to make sure I had transferred the correct amount and I saw three XXXX charges totalling XXXX from store # XXXX XXXX XXXX XXXX in New Mexico. I live in North Carolina and I have n't been to XXXX in weeks. I was upset because this has never happened to me. I call the number on the back of card, the first associate does n't even truly listen to my complaint she just says that there is nothing she can do I would have to wait till 3 days for it to clear. I asked to speak with a manager cause it was obvious she did n't even take the time to understand my complaint so when the manager gets on the line. I pretty much get the same spill but was livid after I explained to her that there is no way I could have made those charges and I need my money credited back, she tells me based on your transaction history this could have been something you done. I began to cry and scream at that moment because that was rude. My transactions history had nothing to do with fraudulent activity so then she says let me research it cause the fraud team wo n't open up till XXXX Eastern time. So after she reviews my transactions she ask where I live and I told her and she says that it looks like these transactions were made at the store in NM and this is fraud. So that morning I call the fraud line wanting to understand how this could have happened. To be told that it 's still pending watch my account to see if it clears or not if it does then call back and they will do an investigation and it could take 7 to 10 business days. They did not reverse charges clearly seeing that there was no way that I could have made those purchases. There were three that came through at the same time and it was obvious fraud. She told me to call the store and see if they can look into it and block the charges from coming off. To my understanding that is what they are supposed to do. I had no success with getting anyone to assist from XXXX accounting department to help and it 's frustrating as this was my utility bill money. They do n't care cause it 's not them. All she could offer to do was send me another card. Why would I want to continue to do service with a company who does n't even protect my money from fraud?? I am disgusted, upset and have no faith in using my debit card with them or anyone else for fear that I wo n't get the help I need.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX Venmo completely froze my account leaving me stranded with no access to my money or debt card for a week. Then they refused to tell me why they froze my account and held my funds. Now on XX/XX/XXXX they have restricted my Venmo account from having fund added to it but again will not give any kind of reasons. How am I supposed to trust my direct deposites to a company they just locks you account and abilities at a drop of a hat and give no way of correcting.
Product: Credit reporting, credit repair services, or other personal consumer reports

EARLY WARNING SYSTEMS claims the FCRA does not protect consumers with sharing of opting out of sharing of non-public personal information with entities EARLY WARNING SYSTEMS needs to provide me with the written permission that I gave XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX, And XXXX XXXX for them to be an approved entity EARLY WARNING SYSTEMS has reported accounts that are a result of identity theft without written consent from me which is aggravated identity theft on their part. 15 usc 6802 clearly states consumers must be given the opportunity to opt out of reporting non public information to non affiliated third parties. I have no affiliation with XXXX, XXXX, or XXXX  therefore this sharing of my information is unlawful. If EARLY WARNING SYSTEMS can not provide me with documentary evidence that the companies they shared my information with have my written consent they are in violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice that my credit score was impacted negatively. When I checked my score Arvest mortgage reported that I hadn't made a payment and that my payments were more than 120 days past due although I was in Forbearance at the time. Although I had resumed making my monthly payment in an agreed upon loan modification, they stated that I hadn't made my payment. My credit score dropped over 100 points as a result of this misinformation and I believe that their false reporting was an act of revenge and is illegal. I want the information corrected and the remarks removed from my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

im seeing several credit card accounts that im unaware of on my credit report under my fathers name & not my name. & also the address was wrong. i currently trying to dispute these inquiries because it was not from me.
Product: Credit reporting or other personal consumer reports

This company XXXX XXXX XXXX XXXX have violated federal laws constantly the account in dispute is XXXXXXXX XXXX XXXX XXXX partial account # XXXX is violating my rights the federal law states U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL act to subsection ( c ) any consumer reporting agency may furnish a consumer report unauthorized following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN Instructions to report anything on my consumer report which violates my rights as a federal protect consumer. NO CONSENT IS IDENTITY THEFT. Please send proof of my written consent sent to you certified mail! As a consumer This company XXXXXXXX XXXX XXXX XXXX have violated federal laws constantly account XXXX XXXX XXXX XXXX partial account # XXXX! Federal law U.S. Code 1681c-2 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, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL act to subsection ( c ) any consumer reporting agency may furnish a consumer report unauthorized following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS from the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN Instructions to report anything on my consumer report which violates my rights as a federal protect consumer. NO CONSENT IS IDENTITY THEFT. As a consumer Im demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there
Product: Debt collection

I've asked for the following : Verification of the debt amount, including any interest or fees accrued. 
Documentation proving that your agency is authorized to collect this debt. 
A complete account history, including the original creditor 's name, the original account number, and any relevant dates or transactions. 
Any relevant agreements or contracts related to this debt. 
Confirmation that the statute of limitations for collecting this debt has not expired. 
I am aware that under the FDCPA, debt collectors are required to provide this information upon request. Additionally, I would like to remind you of my rights under the FDCPA, including the right to dispute the debt and request validation within 30 days of receiving your initial notice. 

Please be advised that any further collection attempts without providing the requested verification may be considered a violation of the FDCPA and subject to legal action. 

Furthermore, I would appreciate your compliance with any state-specific debt collection laws that may apply in this matter. Kindly include references to the relevant laws in your response.
Product: Credit card

On XX/XX/XXXX I called Discover customer service XXXX number because I received an open pre- approval credit card letter with the credit card missing. I asked them to remove me from all contact list and to stop sending the pre-approval letters. I was told because there wasn't a supervisor on shift, my request could not be processed. 

The agent on the phone advised a supervisor would call me back within 48 hours and no one ever did. I just received another pre-approval credit card in the mail. I'm not sure how else to get them to stop besides filing a complaint.
Product: Credit reporting or other personal consumer reports

Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXXXXXX  : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX  | XX/XX/XXXXXXXX  : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXXXXXX  : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXXXXXX  : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted the credit bureau on XX/XX/2023 and was informed my prior FTC identity theft report was not being considered for my dispute. Identity theft report was on file from previous dispute when items were previously deleted. Requesting to have items blocked due to identity theft per FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate, the date of last activity is inaccurate, and the date last reported is not accurate. This ground for removal also violated my rights under. 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 an account without my written instructions. Also the Credit bureau took more than 30 days to complete my investigation here is my certified mail tracking # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need a care credit loan for a hearing aid. I applied twice and was declined. My bills and other credit cards are all paid on time. So why am I being refused
Product: Debt collection

I got a notification on a credit monitoring site I use saying there was a new collection for the amount of {$130.00} but there is no info on what type of collection it is. The companies name is " merchants credit guide '' out of XXXX upon further investigating through my states ( Texas ) secretary of state website they do not have a license to be collecting in Texas since 2007.
Product: Credit card

Was recently informed, following a credit check using XXXX, that I was listed as deceased. I requested a free copy of my credit report from XXXX and discovered that Cap One incorrrectly identified an old ( unused ) account as '' consumer reported as deceased. '' Approximately two weeks ago, I contacted Cap One to make them aware of this error. 

Today, I received a letter dated XXXX XXXX, 2016 from Capital One stating that they AGAIN WRONGLY updated the account as " deceased, '' and that they notified the other credit reporting agencies of the same information. I immediately called them, once again, to notify them of this error. I am angered that this error and, more importantly, its delay in resolution negatively impacts my credit history and ability to obtain new credit or even basic services without paying prohibitive fees! This is unacceptable customer service and an unacceptable delay in correcting something as obvious as my status among the living!
Product: Money transfer, virtual currency, or money service

I was closing on a house last week and my real estate agent calls to let me know how much to send in a wire transfer to the bank. I ask him for the wire instructions and he tells me to check my email for XXXX XXXX, she will provide the instructions. I check my email and follow the instructions from XXXX XXXX the paralegal handing the closing. I sent {$72000.00} via wire transfer from my bank XXXX XXXX to JP Morgan chase bank. I found out later on this was a scam, the email wasnt from the real XXXX XXXX, unfortunately the real XXXX XXXX never sent me wire instructions. I called my bank XXXX immediately to report the wire fraud and was told they issued a swift recall, however I received a message from XXXX shortly after confirming the wire was sent. Funds had been disbursed. I filed police report and fbi report. No one is really investigating as far as I know. I call my bank everyday multiple times a day. The latest news is a hold harmless letter was sent and Chase responded by stating they issued the payee a request to hold funds? What? Why? If its fraudulent dont they freeze the funds and run an investigation? I lost everything including the house and my hard earned money as a XXXX  mom struggling to survive as it is.. this is devastating and I cant seem to find any help from the banking institutions on where the money is or what I can do to track it or stop it from leaving the US. Chase fraud department refuses to have any contact with me. I dont understand the process, do I need to get a lawyer to file an injunction on the bank to freeze the funds? Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent prior request from the credit bureaus on the charge off account status on some accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX on my credit report, namely after several attempts, they did not delete the accounts nor gave me an explanation as to why they wont delete it..I have been denied credit because of this erroneous information.. All I ask is that you delete this information from my credit report right away
Product: Money transfer, virtual currency, or money service

Due to the recent findings of Zelles misconduct and my experience of monetary losses I incurred using their money transfer service, I am a victim of their misconduct.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.