23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I have an executed agreement to purchase a home owned by The Bank of New York Mellon through their agent, XXXX XXXX XXXX XXXX. Prior to closing, a roof repair was done ; however, the party who did the repairs failed to obtain a building permit or professionally complete the repairs. During the walk through it was evident that the roof was still leaking. A licensed roofing contractor provided me with an inspection and estimate to replace the roof since a repair is not permitted. The city building department confirmed that a complete roof replacement is required and has issued a stop work order posted on the property. The roof must be replaced by a licensed roofing contractor, it is now a code enforcement issue. The seller initially argued regarding who did repairs ( not material ) and insisted I close as is or cancel the contract. I could not obtain insurance with the leaking roof. The seller would only refund my {$5000.00} escrow deposit and refused to pay my direct expenses over {$1100.00}. I have a FHA loan approved, and the lender 's loan package was sent to the closing agent in a timely manner so there was no issue with the loan on the closing date, XXXX XXXX, 2015. The seller came back after about a week and told my real estate broker, XXXX XXXX that the seller would replace the roof and to confirm if I still wanted to purchase the property which I responded affirmatively. Today, I received an email to call XXXX XXXX, after agreeing to replace the roof the seller now is refusing to do as they said they would do. I want to purchase the house and I want the roof to be replaced as they agreed to do. The seller keeps bringing up the sale was " as is '' which I agree is correct ; however, hiding a leaking roof with new paint followed by having an unpermitted repair that left holes in the roof is deceptive at best. The listing agent for XXXX XXXX XXXX XXXX is XXXX XXXX, XXXXXXXXXXXX phone ( XXXX ) XXXX XXXX. The seller is The Bank of New York Mellon care of XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX, MD XXXX, XXXX XXXX XXXX XXXX asset XXXX is XXXX XXXX, the closing agent is XXXX XXXX XXXX XXXX, account manager is XXXX XXXX ( XXXX ) XXXX, processor is XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX. My agent is XXXX XXXX XXXXXXXXXXXX, the managing broker of the XXXX XXXX XXXX Florida XXXX has taken over the transaction, XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX : The seller hid a leaking roof with white paint, when they had repairs completed, their repairman failed to obtain permits, did not complete repairs in a workmanlike manner and it was still leaking.
Product: Checking or savings account

When the bank receives my deposit, XXXX dollars disappear from my account or virtually transferred utilizing fraud, past card account numbers, and XXXX Arithmetic. Whereas, two accounts are being used by misleading executives of the necessity for training, diversity, and protection. There may be three witnesses for information sharing without a court order involved that are employed with the entity and are not at liberty to disclose any information unless they benefit by commissioning. The individual using the Truist Bank XXXX XXXXXXXX XXXX XXXX and Truist XXXX XXXXXXXX XXXX  has allowed for the months XXXX and XXXX, double purchase price unauthorized fee of XXXX on XX/XX/XXXX, XX/XX/XXXX, and the XXXX on XX/XX/XXXX deposit, the time of the deposit is no longer detailed available like past deposits. Double scanned purchases no longer stop the purchase as in the past but allows it and shortening my time to discover and report it to the XXXX XXXX XXXX Bank XXXX Truist Bank ). This has caused unexplained deductions held in query that are not timely placed on the bank statement. The individuals employed by the Gov entity may have a misleading report, claiming my business or education with the bank may be injurious to them or their relatives. In actual reality, it's injurious to my business health. The way the information is processed involves a civil procedure which has been omitted due to fraud and deceptive practices. Therefore, putting me at risk of injury and losses. By putting my money in another managed account, the use of credit or debit, it should show on the bank statement which account was used ( credit number, debit card number, or account number ). I've been set up for an enterprise theft or fraudulent deduction and business harm by Gov employees, law enforcement, use of force in politics.
Product: Debt collection

After going to the hospital in XX/XX/XXXX, I paid my co pay ( {$50.00} ) at the time of service. Anyway, Financial Credit Network started contacted me about a XXXX debt from when I went to the hospital in XX/XX/XXXX. They put it on my credit report that I owe. Which I did not owe. The continued to ruin my credit by falsifying documents saying the original amount owed was {$65.00} and I had paid XXXX of the amount in XX/XX/XXXX. This is NOT true. I never paid Financial Credit Network in XXXX CA. anything, because I did not owe anything. Then they say I the amount changed to XXXX and I paid off XXXX in XX/XX/XXXXJust so they could keep it on my credit report. I have been fighting this for years. I know XXXX is not a large amount but these people wo n't stop. And they had to have falsified documents to say I made any payments, because I did not. This should be removed from all my credit reports for good. The charge is way to old and it was wrong in the first place. The credit reporting agencies had removed this charge several time, but Financial Credit Network in XXXX, Ca continue putting it back on my report. They even have the dates wrong. : This is on my report : Collections If you 've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your credit score. 

FINANCIAL CREDIT NETWORK INC Reported : XX/XX/XXXX - {$50.00} Needs Attention Overview You 've paid off 23 % of your collection amount. 
Balance {$50.00} Highest Balance {$65.00} Opened XX/XX/XXXX ( 5 yrs, 10 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Consumer disputes - reinvestigation in progress Original Creditor Name XXXX XXXX XXXX Financial Credit Network Inc Financial Credit Network Credit reporting agency in XXXX, California Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX Hours : Open today XXXX Phone : ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$380.00} XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$450.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$2500.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX DXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX I'm A federally protected consumer, i would like to thank you for the opportunity to address your concerns regarding Equifax ( consumer reporting agency ). i XXXX XXXX Authorize Equifax to proceed with my complaint, regarding my last complaint this consumer reporting agency tried to slip away from. This reporting agency ( Equifax ) has infringed upon my right of privacy with unfair reporting. Through my thorough investigation I have found that this reporting agency was reporting information solely between the person making the report and i the consumer which was an approval extension of credit directly by the issuer of my credit card which should been excluded from my consumer reporting agency. which is in violation under the FCRA 15 US.Code 1681a ( 2 ) ( i ) ( B ) I XXXX XXXX XXXX ( Consumer ) have never given consent for this reporting agency ( Equifax ) to report Any information Nor did i ( consumer ) give written consent to report Any accounts from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX on my behalf is under violation of 15 usc 1681b ( 2 ). No consent is defined as identity theft. I have disputed the validity with this consumer reporting agency and they still continue to furnish my report. If consumer reporting agency remits violations, please provide My initial signature authorizing consent to report my private information, please provide to me exhibits about these accounts. I have send this reporting agency of an Affidavit which was not rebutted with proof, my next step will be the litigation with this agency. I have identified my identity through a notary presentment. This reporting agency has not Validated how they got my information These are Federal violations under FCRA, and hope this complaint is taken seriously, if not my next step will be litigation if accounts listed are not removed immediately. I believe that I ( consumer ) have fully addressed my concerns of the validity of this matter, will still stand.
Product: Debt collection

I am writing to report an identity theft incident and request assistance in addressing fraudulent accounts that have been wrongly added to my credit report. I recently discovered that my personal information has been compromised and used without my authorization to open credit accounts. I am taking immediate action to rectify this situation and request your help in resolving these issues. Below are the details of the fraudulent accounts XXXX XXXX XXXX XXXX XXXXXXXX I believe that these accounts are a result of identity theft, as I have never applied for or authorized these credit accounts. To address this matter and protect my creditworthiness, I kindly request to take action I understand the importance of acting swiftly to rectify this situation and protect my financial reputation. I kindly request that you acknowledge receipt of this letter and provide a timeline for when I can expect updates regarding the progress of your investigation. I appreciate your prompt attention to this matter and look forward to your assistance in resolving these fraudulent accounts as soon as possible. Thank you for your cooperation and support in this challenging situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} ( XX/XX/XXXX - XX/XX/XXXX ) XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I received acknowledgement from Experian that my credit report was in security freeze status. I received an updated credit report recently from Experian showing a number of soft inquiries from the following companies. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ( no phone number, duplicate inquiry ) Experian XX/XX/XXXX XX/XX/XXXX I did not lift the security freeze during any time after XX/XX/XXXX and Experian acknowledges that I am in security freeze status today as of this complaint. I did not authorize any of these companies to do a hard or soft credit inquiry. Experian shared my private information without my knowledge or consent. I sent two letters, one with instructions and the other about the soft inquiries, see attached files. 

Experian violated the Fair Credit Reporting Act and allowed third parties to view my information during a security freeze. XXXX XXXX  does not provide financial services and does not have a need to know basis under FCRA to view my information. XXXX XXXX headquarters is based in XXXX, XXXX. They are not respecting our American laws. 

I would like Experian to explain why they permitted soft inquiries while my report was in " freeze '' status. I would like Experian to explain specifically why they permitted XXXX XXXX to access my credit report through a " soft inquiry '' and under what authority were they able to make the request? I would like for Experian to acknowledge my instructions about my credit report in writing and that they will comply with the FCRA rules. I would like to know how to obtain my FICO score? Is there a fee? 

This is a second complaint on the same issues resubmitted as the company failed to answer my questions in my previous complaint about the violation of my privacy.
Product: Debt collection

We evidently had bill from XXXX XXXX XXXX XXXXXXXX. We never got it. The. Started getting calls from debt collector NPAS. My daughter is XXXX. The refuses to give me info. Told me to have daughter call to give authorization, which she did and they wouldn't give info to her bc she didn't have reference #. We haven't recieved mail or a bill so don't have one. Finally NPAS sent bill and we paid it using my credit card as we pay our bills. The bill was sent back and mail and paid on XX/XX/. I am still getting harassed by this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Date Opened : XXXX  Balance Owed : {$400.00}, Accounts : XXXX XXXX XXXX Date Opened XXXX XXXX  Balance Owed : {$0.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$3000.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Bankruptcy Reference # : XXXX Closing Date : XXXX
Product: Debt collection

We are aware of debt that we incurred during a very difficult time through XXXX. For a year or more we have taken NUMEROUS threatening calls from XXXX XXXX. The attorney and his assistant have threatened to sue. Seize our property. We have offered payment arrangements serval times and even promissory notes to these arrangements. They agreed every time to go back to XXXX ( The company ) and offer what we extended and stated we could afford. I never wanted to over promise or under deliver. Its been long enough. 

I do not understand his ridiculously rude tactics. XXXX XXXX follow through, and the threatening has become overwhelming and is affecting my mental health, I have filed this complaint once before on XXXX. I got a confirmation that night that the submission was received. However, I have received no follow up and when I called customer service today, was told you see my file was created on XXXX but no complaint was received.
Product: Credit reporting or other personal consumer reports

feel I am being ignored by this company. my report has unauthorized accounts, never did I consent to these being applied for. Never did I have knowledge of them nor did I ever have access to any of these. However, Transunion is not removing them from my report.
Product: Credit reporting or other personal consumer reports

Transunion keeps reporting a debt on behalf of the collection agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX I requested evidence of debt to both Transunion and XXXX XXXX XXXX, they state the debt was originally from XXXX I sent them proof of my insurance with XXXX for my car and XXXX XXXX for my home. 

I requested evidence of debt online and with a live representative to the XXXX XXXX XXXX, I received confirmation of my request Submitted on : XX/XX/2024 XXXX Request ID : XXXX. 
They sent a bill from XXXX with my name on it, I responded that a bill is not evidence of debt, and I requested : a- ) What was purchased? ( goods or services ), b- ) That I received those goods or services, and the dates received. 
c- ) Proof I was the person who requested those goods or services. 
but never received any other document. 

I disputed the debt with XXXX, XXXX, and Transunion both XXXX and XXXX deleted the debt due to not having any document to substantiate the debt. 

I disputed with Transunion XXXX times, XXXX online and XXXX with a customer representative. The dates are as follows Report Created On : XX/XX/2024 ONLINE File Identification Number : XXXX Provided by TransUnion XXXX Relations XX/XX/2024 BY PHONE Delivery by postal mail Report Created On : XX/XX/2024 ONLINE File Identification Number : XXXX Provided by TransUnion XXXX Relations Report Created On : XX/XX/2024 ONLINE File Identification Number : XXXX Provided by TransUnion Consumer Relations I submitted my insurance for home and car, showing a different provider and also requested any kind of document that supports my debt or proof I indeed owe anything, they never provided any document, however they just responded the debt was verified, requested again the docs they used to verify the debt but they have nothing. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

This debt collector is trying to collect on a service that was paid by my dental insurance company in XXXX of 2021. I did pay the co-pay the day of service and service was processed through the dental company and was rendered same day. I have disputed this inaccuracy multiple times. The collection agency just removes temporarily and puts it back on my credit report under a different collection agency with a very similar name each time i dispute it. it is also reporting as an open account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal information on my credit is incorrect. 

All addresses and names not listed on the attachment need to be removed. 

This is causes possibly identity fraud/theft DO NOT ASK ME WHICH ADDRESS OR NAMES NEED TO BE REMOVED. ALL ADDRESSES/NAMES NOT ON THE ATTACHMENT NEED TO BE REMOVED IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX ( XXXX ) XXXX : XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Verification and Validation of Collection under 15 U.S.C. 1692g To whom it may concern : I am writing to formally dispute a collection that appears on my credit report managed by Experian. Upon my review, I believe this collection may not meet the validity and verification requirements established under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to the aforementioned law, I formally request that : I am provided with written verification that this debt is valid, including details such as the original amount, the original creditor, and documentation proving my legal responsibility for this debt. 

The debt is validated to ensure that the reported information is complete and accurate. 

If this collection can not be validated, it is immediately removed from my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

Attached to this letter, you will find a copy of my government-issued identification and a proof of address to facilitate the investigation process. Please inform me in writing of the results of your investigation and any actions taken within the timeframe established by law. 

I hope this matter will be resolved fairly and in compliance with applicable federal laws. I appreciate your attention and look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1692g ( Debt Validation ) This section stipulates that within five days of the initial contact with the consumer, the collector must provide a written notice including : The total amount of the debt. 

The name of the original creditor. 

A statement indicating that the consumer has 30 days to dispute the validity of the debt. 

If the consumer disputes the debt, the collector must provide written verification. 

If the debt is not properly validated, it can not be legally reported or collected.
Product: Checking or savings account

In XX/XX/XXXX I took the updated XX/XX/XXXX Amendment naming me as Trustee to a Trust Account at Wells Fargo ( XXXX Branch ) in XXXX FL. I went to the bank on Thursday XX/XX/XXXX with a question about a bill pay check for {$17.00}, XXXX that had not been received. 

The Bank Manager, XXXX XXXX____, would not provide me with any information on the Trust Account, including the bill pay problem, because the account had not been " properly maintained '' BY WELLS FARGO. She said I had done everything right -- that WF had the Trust Amendment naming me as Trustee and had it since XX/XX/XXXX. But it had not been entered into the system so she couldn't talk to me about the account ... ..No explanation. She was working on it. 

I went into the bank on Friday. She was still working on it. 

In the meantime, NO INFORMATION ON THE ACCOUNT, INCLUDING A MISSING {$17000.00} CHECK, would be provided by Wells Fargo. 

I checked the account online today and it appears that the WF has not corrected its error. And {$17000.00} is still missing.
Product: Debt collection

I requested validation of debt, but : 1. Never received validation or reply from them 2. Name on their letter doesn't match my name 3. They reported to credit bureaus without validation of debt
Product: Student loan

I am having trouble repaying my XXXX student loans for my account XXXX. Due to economic hardship I have asked for an Income-Driven Repayment Plan and received an offer of {$180.00} on XXXX XXXX 2016. However, Fed Loan Servicing on XXXX XXXX, 2016 sent me an invoice in the amount of {$1300.00} which includes an amount past due of {$610.00} and a current payment of {$720.00}. Please note that for me it is a stretch for me to pay the Income-Driven Repayment Plan and received an offer of {$180.00} but I am willing to do the sacrifice. However, it would be a financial burden to pay the amount asked for on the invoice sent by Fed Loan Servicing on XXXX XXXX, 2016 in the amount of {$1300.00}. Furthermore, reneging on the Income-Driven Repayment Plan offer of {$180.00} and asking me now to pay the amount of {$1300.00} which includes an amount past due of {$610.00} and a current payment of {$720.00} would be detrimental to me. By reneging Fedloan Services does not take into account the fact that I have no discretionary income to pay my student loans according to XXXX XXXX XXXX XXXX. I have asked for a minimum before but the provider has sent collections notices as well as threats of garnishment. Likewise, I have asked for XXXX as I am a XXXX but I as ill advised by Fed Loan Servicing that I do not qualify even though I work in an XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX DECREASE CREDIT LIMIT BY {$300.00} AFTER REVIEWING INFORMATION FROM EQUIFAX. THE REASON FOR THE DECREASE INCLUDE THE FOLLOWING LISTED *NO USABLE REAL ESTATE ACCOUNTS ( I DONT HAVE TO HAVE A HOME LOAN FOR A CREDIT CARD ).

*NO BANKCARD ACCOUNTS WITH A VALID CREDIT AMOUNT ( THERE IS A BANKCARD ON FILE WITH A VALID CREDIT AMOUNT ) THE FOLLOWING LISTED SEEM TO BE A DISCRIMINATION AGAINST ME. I HAVE ALWAYS PAID ACCOUNT ON TIME, THERE ARE NO LATES LISTED ON ACCOUNT. I REQUEST TO HAVE THE ORIGINAL LIMIT BACK TO {$500.00}