23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I ask for evidence, since you have not delivered what I ask of you .... I ask for evidence such as certification tests and documents that verify the veracity of each account since just a simple document is not proof that that account is Truthful. .... For inquiries, request the document where I authorize with a signature that my data be taken along with proof of certification. For the accounts, request a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided by 15 U.S.C. 6802 ( b ).

A copy of the records used to verify the cancellation of my accounts.

An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THE FOLLOWING INCORRECT INFORMATION COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX Balance Owed : {$440.00}
Product: Debt collection

I have a contract with XXXX First Data. Due to what is going on with the entire world right now ( XX/XX/2020 ) I am having to close my business down. The customer service representative was not empathetic or understanding at all. As of now I am making XXXX and going under very quickly with everyone staying in and terminating their appointments. He told me i could suspebd and push back payments for 2 months only. I advised this representative that i am haveing to close fown the business because XXXX revenue being closed in that having payments build up for 2 months and in the end owing for 3 months will not help me. He then proceded to tell me I would be turned over to a collection agency. He said that statement to me over and over again. He never once tried to send me to someone higher up. 
Due to everything going on right now, I have ended several other contracts early and the companies were very inderstanding and wiped all that was left away. I am not closing down because I am a bad business owner, but because people are affraid of going out in the world and getting sick. 
I will never recommend this company for being non understanding of the horrible situation the economy is in. I have reached out to people with the clmoany and have received nothing back.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. 
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was notified by a credit card company that keeps up with my credit score that there is a derogatory mark on my credit score. I looked and there is a {$230.00} charge and the company stated is Southwest Recovery Service. I have tried to call them several times and I am only getting a voicemail.
Product: Credit reporting or other personal consumer reports

I'm furious with how Equifax, XXXX, and XXXX are screwing up my credit report! Ive tried to fix these errors, but you keep ignoring me, which breaks the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i. I've sent letters through basic software, but your silence is illegal. No Power of Attorney is needed for this. Under FCRA Section 611 ( 15 U.S.C. 1681i ) and Metro 2 standards, I have the right to dispute false info on my report. Your bogus delinquency claims dont meet federal or state standards. Prove theres a valid reason for these inquiries or accounts, or admit you failed. The Equifax data breach screwed me with fraudulent entries, violating 15 U.S.C. 1681 Section 602A. Heres where you messed up : 15 U.S.C. 1681 Section 602A : My right to privacy 15 U.S.C. 1681 Section 604A Section 2 : No account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items older than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) : No knowingly inaccurate info You have 30 days to fix this! I want proof of what you did and an updated credit report. Remove the false claims NOW!
Product: Credit reporting or other personal consumer reports

I requested a method of verification. Equifax has failed to provide me this documentation in my first attempt. I've contacted the bankruptcy court about this matter. The bankruptcy court has provided me with a formal response stating they do not publicy share information with third parties. In my 2nd attempt with Equifax I asked them which representantive they spoke to, the date, length of conversation, which employee from equifax spoke to the party, and or confirmiring if there was any e-mail or written communication between the members of equifax company and the bankruptcy court. Equifax has failed to provide me those details.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 XXXX XXXXXXXX Account number XXXX XXXXXXXX XXXX XXXX Account number XXXXXXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX  XXXX XXXX  Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Account number XXXX Original XXXX XXXX XXXX XXXX  XXXX XXXX. 

XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A letter was sent to XXXX Account number ( XXXX ) for identity theft. 
After receiving my letter they responded with a letter I will upload. Where my alleged account was sold to XXXX XXXX this company is not showing on my consumer report. Therefore, since XXXX can not verify my account I demand this account be deleted immediately. Everything on my credit should be 100 % accurate. 
15 U.SC 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 resonable cause to believe that the information is inaccurate.

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. Company has also no permission to report ANYTHING using my info pursuant to 15 USC 1681 4
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like XXXX being taken advantaged of and being ignored. Section XXXX ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over XXXX so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and XXXX have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX 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
Product: Payday loan, title loan, or personal loan

i went to bank of america to get a loan and i was denied credit. under the uniform commercial code i can not be denied credit under 15 usc 1611 i can not be denied credit
Product: Checking or savings account

I accidentally entered a duplicate credit card payment. Therefore I had XXXX scheduled credit card payments. I did not want XXXX of the payments to go through. I reached out to the merchant and the merchant said because the payments were already processed that I could not stop them. The merchant informed me that the payment will likely be returned if there is not enough money in the account to cover the payment. I knew my checking account did not have the funds to cover both credit card payments. 

I was shocked when I discovered that my account had been overdrawn close to XXXX to cover the payment. I immediately transferred funds from my savings account to cover the overdrawn balance. I called Bank of America and the best solution that offered was to stop payment on one of the transactions and I would be charged a {$30.00} fee for the stop payment Bank of America could not guarantee a stop payment. Because I deposited money into my account, correcting the overdraft, the payment could not be rejected.
Product: Mortgage

The mortgage lender " Loan Care '' recently bought our home mortgage. We pay our monthly mortgage payment on time every month to them. Our local property taxes were due in XX/XX/XXXX. A Loan Care representative assured us the tax payment check had been mailed to our tax authority on XX/XX/XXXX. The check was never received, putting our tax status as delinquent. After several calls to Loan Care, they responded by saying the check was received, but returned to Loan Care by our tax office. We checked with the county tax office, and discovered the check was never received, and they would not return a check for tax payments. After several more calls over the past several months ( it 's now mid XX/XX/XXXX ) ... Loan Care has still failed to pay our property taxes from our mortgage escrow account. They continue to make excuses, as we continue to pay our monthly payments to them. We even had a rep from our local tax office on a 3-way call with Loan Care, and they continued to make excuses, and said the check will be mailed. To date our taxes have NOT been paid, a lien is about to be placed on our home, and the county publicly posts our names in the local news as delinquent dead beat home owners! I 'm not even sure how all of this will affect our credit, but we need your help!!!
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX 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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

This complaint is regarding Violation of verification and reporting of installment account XXXX XXXX account # XXXX date opened XX/XX/2013. Negative items ( installment, revolving ) on my credit report ( s ), where I personally contacted the creditors and they could not locate any accounts under my name. I was also informed by them that they do not verify or provide information to 3rd party credit reporting agencies. How is it possible Equifax is reporting negative account information? Your assistance is greatly appreciated. Out 3 CRA only Equifax is the one that is reporting this account on my consumer credit report, not my account/ never had account with XXXX, incorrect " PACER '' data and violates FCRA provision 605,607,611 and 623a I have also submitted a complaint with the Federal Trade Commission and forwarded this information to my attorney to file a lawsuit against Equifax for reporting wrong information and damaging my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

An unauthorized hard inquiry showed up on my credit report on XXXX from JP Morgan Chase Credit Cards. I immediately contacted all XXXX credit reporting agencies to place fraud alerts on my credit report. I have also contacted JP Morgan and alerted them of the potential identity theft. I was informed by the bank that a credit card application was submitted using my personal information. They have canceled the application and offered to send letters to credit bureaus to remove the inquiry from my report. 
I am filling this report for record purposes.
Product: Credit reporting or other personal consumer reports

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 
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 Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$320.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states, consumer reporting agency can not furnish an account with out my written instructions.
Product: Mortgage

I had past issues with Mortgage Solutions of Colorado, LLC. Specifically XXXX XXXX, and XXXX XXXX dating back to XXXX of 2018. 

I noted their disclosures/closing costs were extremely high, but was urged to sign to keep the process moving. Eventually, I was able to cut ties and close through another lender at 1/4 the cost. I put everything behind me ; however, I was recently contacted by XXXX regarding a refinance. He professionally referred to me as a XXXX off During the lending process, they denied my COE, claiming I fraudulently altered it and told me I was a liar. It was then determined that their administrative personnel did not correctly request my COE. I contacted the VA, and it was confirmed that no requests were made through the portal by mortgage solutions. I have emails of correspondence to support this, but majority of the discussion was held by phone in XXXX 2018.
Product: Money transfer, virtual currency, or money service

They keep calling saying PNC BANK regarding XXXX  app approved. Ask to call back XXXX XXXX to verify. I called back and asked them to stop calling and remove me I didb't apply for a loan. They keep calling.
Product: Vehicle loan or lease

My dad died ( XXXX XXXX ) XX/XX/2023 from XXXX i asked about the car loan i was told to continue to pay and keep car now that car was totalled i cant get any information about said car but i was paying for it my insurance paid it off if i dont matter send me a check for my insurance and my monthly payments
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  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 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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. 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 XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Student loan

MOHELA is my student loan servicer. I was placed on admin forbearance from XXXX due to billing statements being untimely. Despite the forbearance ending at the end of XXXX and a payment being due on XX/XX/XXXX, I was never sent a billing statement. On XX/XX/XXXX, I pointed this out in an online message to MOHELA. I then received a reply back with a billing statement that was back dated to XX/XX/XXXX. 

This is after they retroactively placed me on admin forbearance from XXXX - XXXX without sending me any notification and I was only notified when I was wondering why a XXXX payment was not due. 

It appears the issues that were supposed to be fixed during that period havent.
Product: Debt collection

I made several attempts to talk to eradicate this debt but the fees changed. The first lady was somewhat helpful and she was nice but I was not able to get all of my questions answered. She then told me that she would have to put refusal to pay because I was not able or ready to pay at the time. I was not going to pay for something that took almost a 200 percent leap without knowing what i was paying for. I let time go by. They sent me a letter with a lower payment option but I did not get the letter in time to pay it. I asked if they could extend it for one week because I got paid the next week and they said no. It went back up to XXXX. I am not disputing that I don't owe something but that was steep. The sad thing is I gave up and tried to make payments to clear it up and they refuse to accept payments when they clearly state that on their website they have options for everyone. They were rude and nasty and told me to save half of what I owe out of one check and the other half out of another check. I tried to dispute them but it's still there. I do not know what to do at this point. I can not dispute them and I can not pay them because they want all or nothing and they are very nasty individuals to talk to.
Product: Credit card

On XX/XX/XXXX, I paid Synchrony Bank {$1200.00} through their website to bring my balance to XXXX. After two weeks, I discovered they never credited my account. I filed an initial dispute and they told me to provide a bank statement showing the payment cleared my bank, XXXX XXXX. Once they received this evidence, then they dealt me a reverse and said that was insufficient. Another agent with Synchrony told me to send them a letter from XXXX XXXX stating the payment cleared my account with a trace number. I sent that to Synchrony. Of course, later I discovered that was insufficient. Since XXXX I have made numerous calls to Synchrony and XXXX XXXX to resolve this issue and they both refuse to intervene and provide a solution. 

I got an attorney involved in XXXX who wrote a demand letter to them and it was ignored.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX our company ( a non-profit organization ) made an online transfer of {$24000.00} from our Wells Fargo savings account to our Wells Fargo credit card account in order to pay off the current balance. On XX/XX/XXXX we discovered that the payment amount was deducted twice from our savings account instead of once. We phoned Wells Fargo that same day to notify them of their error. A Wells Fargo agent responded that the error would be corrected and the second ( erroneous ) transfer of {$24000.00} would be transferred back to our savings account. On XX/XX/XXXX we checked our saving account balance and discovered that the error had not been corrected. Phoning Wells Fargo on that same day, the agent told us that it would take 7 to 10 business days for the money to be returned to our account. We let them know that that length of time to restore our funds was unacceptable, but they said there was nothing they could do to restore our funds to the savings account any faster. 
In this day and age of immediate electronic transfers, 7 to 10 days seems extraordinarily slow for the correction of this errorthe banks errorand makes one wonder if Wells Fargo delays these types of error corrections for their own financial gain.