23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I contacted LoanCare in XX/XX/XXXX and advised them not to pay property tax bill until revised statement was received as my residency had changed and my property tax bill was going down significantly. I received revised statement and forwarded them a copy. On XX/XX/XXXX they paid the incorrect amount ( {$5000.00} vs. {$1800.00} due ). I immediately contacted them and they stated they would open a case to investigate. They stated that they had to pay the initial bill since it was due. The original bill was not due until XX/XX/XXXX I made several attempts to follow up, but to date ( XX/XX/XXXX ) they have not credited the difference to my escrow or issued a refund. I contacted my county tax office and they stated they issued a refund check for the difference on XX/XX/XXXX. I called LoanCare again and they state they have no record of receiving this payment. I asked to have a manager call me back and they have not. I have since paid the loan off in full and I would like the difference refunded ( in addition to my current escrow balance ) immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Found several inquiries on my credit report that I did not authorize anyone or any company to make. I did not allow any company to send my information to any other company for gain or to open an account. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX  XXXX XX/XX/2020 XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly.

They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please CORRECTED the accounts, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX
Product: Debt collection

XX/XX/2018 XXXX XXXX EDT I received a call on my mobile phone from Portfolio Recovery Associates inquiring about a debt incurred nearly 20 years ago.

The call is a suspected robo-call. On pickup, there was a long pause ( where I said " Hello? '' multiple times ) until an agent connected and began to ask me for verifying information before stating the purpose and company affiliation of the call.

Once I became aware of the nature of the call, I interrupted the agent to say " Not interested, goodbye, '' and hung up the phone. 

My understanding is that a class action lawsuit has already been filed against this company for their robo-call practices ( I was involved in that suit ). I write this complaint to you with suspicion that they are again using these practices to harass people. Please investigate if there are enough reports supporting this claim.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX are refusing to report accurate information regarding my account with XXXX XXXX. The account is reporting a {$300.00} balance and the balance should be {$0.00}. I paid the balance on the account, yet the credit bureaus are refusing to report it, which is affecting my credit score. Also, XXXX is refusing to investigate my dispute. The letter from XXXX states that it appear that the dispute didn't come directly from me. According to the letter from XXXX, they won't process the request until it comes directly from me. My complaint was through the Consumer Financial Protection Bureau regarding the account with Capital one, yet the are still refusing to investigate. XXXX and XXXX are reporting the inaccurate/ misleading account with Capital One after I have provided proof to the Consumer Financial Protection Bureau , XXXX and XXXX, that Capital has placed both accounts in collection. I've sent a copy of my drivers license and a bill in my name. There is no reason for the credit bureaus to believe that my disputes are from a third party. I've been disputing the same items consistently for more than 3 years now. These are the type of tactics that the credit bureaus have been using to violate my rights.
Product: Debt collection

I am writing to file a complaint against LVNV, a collection company that has failed to comply with the Fair Credit Reporting Act ( FRCA ). Despite several disputes, LVNV continues to inaccurately report on my credit report and has not produced real evidence that the account belongs to me and should be removed.

I have been disputing this account with LVNV for several months now, and they have failed to provide any concrete evidence that the debt belongs to me. Despite my repeated requests for proof of the debt, LVNV has continued to report the account on my credit report, which has negatively impacted my credit score.

I have also noticed that LVNV has been reporting inaccurate information about the account, which further damages my credit score. This is a clear violation of the FRCA, and I am deeply concerned about the impact this is having on my financial well-being. I urge you to investigate this matter and take appropriate action against LVNV for their failure to comply with the FRCA.

I also request that you ensure that LVNV removes this account from my credit report and takes steps to correct any inaccurate information they have reported. Thank you for your attention to this matter.
Product: Debt collection

After several attempts to correct this issue the company still will not remove from my credit. The debt was a third party collection debt. I have no knowledge of this account. I never opened this XXXX of credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has fraudulent inquiries on my report that need to be removed immediately i am including a copy of my ftc report
Product: Credit card

On XX/XX/XXXX, I booked a King Deluxe w sofa bed room at the XXXX XXXX XXXXXXXX in XXXX, MA for XX/XX/XXXX - XX/XX/XXXX. When I arrived and checked in, I was given a King ( not deluxe, no sofa bed ). As the room was very small and not what I paid for, I asked the hotel to correct the situation, showing them my original confirmation of a XXXX XXXX with a sofa bed. They put me in a double queen and did not inform me of any up charge. The day before check out ( XX/XX/XXXX ), I saw an up charge of XXXX charged on the day I checked in, in addition to the XXXX that I already paid on XX/XX/XXXX for a king deluxe with sofa bed which I did not receive. I immediately called my credit card company, Chase, to dispute these charges. Chase informed me that because I had accepted the double queen and slept in it, that they will not dispute the charges and consider it services rendered despite those services not being what I paid for and not agreeing to any up charge. I have now paid over {$1000.00} for a room that is not what I booked and my credit card company refuses to do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried submitting my disputes to the credit bureaus to fix a couple of errors but it seems impossible.
Product: Credit reporting or other personal consumer reports

As per the FCRA a federally protected consumer I am now opting out of all and any Authorization. I the consumer My have given written, unwritten, verbal, non-verbal consent. I am opting out.

date account started XX/XX/XXXX AS per 15 U.S. Code 6805 - Enforcement 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 1666e - Notification of credit card issuer by seller of return of goods, etc., by obligor ; credit for account of obligor - 15 U.S.C. 1666 - Correction of Billing Errors- 15 U.S.C. 1666B - Timing of Payments - 15 U.S.C. 1681A - Accuracy and Fairness of Credit Reporting - 15 U.S.C. 1681B - Reasonable Procedures- 15 U.S.C. 1681C-1 - Identity Theft Prevention - 15 U.S.C. 1681C-2 - Block of Information resulting from Identity Theft - 15 U.S.C. 1681E - Compliance Procedures- 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6803 - Disclosure of institution privacy policy 15 U.S. Code 6801 - Disclosure of institution privacy policy Privacy Act of 1974
Product: Credit reporting, credit repair services, or other personal consumer reports

I am upset to see that my credit has been compromised and I am sick of it because I applied for a loan and was denied due to my credit score being so low! I don't know how or get why my identity was used for fraud. I need this to be resolved so that I can buildup my credit.
Product: Debt collection

I explained to Midland Credit Management, on a recorded line, that I was part of the Class Action Lawsuit against XXXX XXXX ( XXXX vs XXXX XXXX Class Action Lawsuit ) where as XXXX XXXXXXXX was to have all debts removed from all three credit bureaus, XXXX, XXXX, and XXXX. They were not to sell our information to third parties anymore. This debt that Midland have is not mine and the date open they have is incorrect ( XX/XX/2020 ) and the amount is fraudulent, this is a fraudulent account, and I will hire an attorney and sue them and XXXX XXXX if they don't remove this from all three credit bureaus agencies.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( block ) inc. due to inadequate customer service and unfair practices which violates the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E.these actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I found the unauthorized transactions from my credit report when my new company did the background check. 
These seriously affected my credit, especially when I applied for a new job as a Bank officer. Please help me. Thank you - XXXX / NCB Management Service, XX/XX/XXXX I do not have an account with this collection agency. I filed a dispute with XXXX on XX/XX/XXXX
Product: Student loan

My personal and financial information was compromised without my authorization by XXXX XXXX and DOGE on XX/XX/year>. XXXX XXXX XXXX XXXX reported that as many as XXXX DOGE team members are now listed in the XXXX Department XXXX, and according to XXXX XXXX XXXX they have fed sensitive personal and financial data from the department into artificial intelligence software. 
XXXX XXXX and XXXX XXXX, both XXXX XXXX XXXX and identified as members of DOGE, have administrator-level status in the departments email system, allowing them to potentially access sensitive information. XXXX sources currently employed at the department also said that XXXX had accessed the back end of the ed.gov website The Family Education Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.
Product: Credit reporting or other personal consumer reports

I send out a dispute to TransUnion, XXXX and XXXX and got results back as of XX/XX/2024. They stated that bankruptcy XXXX XXXX ref XXXX XXXX was verified and updated. I received a letter form the court recorder/court office stating they do not verify information with any credit bureaus. The credit bureaus lied and stated it was verified, but when asked for documentation could not provide, which is a violation for FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy. The recorder or courts did not verify information because they don't give information, and never verified, so I would like it deleted off my credit report.
Product: Debt collection

In recent days, a collection agency named Portfolio Recovery has reported a collection account on my credit report. The Fair Debt Collection Practices Act states that a collection agency is required to provide me with a 30 day notice prior to reporting a debt on my credit file. The collection agency did not follow this protocol, and just reported the debt without contacting me, nor giving me an opportunity to answer for it.
Product: Mortgage

Date : XXXX XXXX, XXXX Subject : XXXX Quit Claim Deed for XXXX XXXX XXXX XXXX, IL XXXX is Fraudulent Complainant : XXXX XXXX XXXX Defendants : XXXX /Urban Financial America LLC/Notary Public - XXXX XXXX In XX/XX/XXXX my parents, XXXX and XXXX ( XXXX ) XXXX purchased the property at XXXX XXXX XXXX XXXX XXXX , IL XXXX. In XX/XX/XXXX my Father XXXX XXXX passed away at which time the said property at XXXX XXXX XXXX was Quit Deeded to XXXX ( XXXX ) XXXX ( Death Certificate and Obituary of XXXX XXXX, XX/XX/XXXX Quit Deed enclosed ). XX/XX/1994 after the passing of our Mother XXXX XXXX the property was quit deeded to myself XXXX XXXX XXXX and my sister XXXX XXXX ( death certificate and obituary of XXXX XXXX, XX/XX/XXXX Quit Deed enclosed ). 

After the death of my sister XX/XX/2014, when packing up her belongings we found a mortgage statement for the property at XXXX XXXX XXXX in XXXX, IL XXXX from XXXX ( XX/XX/XXXX ). Once I found the statement I inquired at the XXXX county office of deeds to pull all deeds to the property in XXXX, IL. I pulled XXXX quit claim deeds ( XX/XX/XXXX & XX/XX/XXXX deeds ) from the XXXX County Office of Deeds in XXXX, IL. The original deed was pulled from the XXXX county office of deeds from XXXX, IL. Unaware a Quit Claim Deed was issued in XXXX XXXX to XXXX XXXX, in which I XXXX XXXX was taken off of the property. My signature was forged on the documentation and registered at the XXXX County Deeds Office. From that time on we were receiving monthly statements showing she took a mortgage out on the property with a fraudulent signature. 

Upon request, I would like this quit deed and loan ( account number XXXX/loan XXXX XXXX/investor - Urban Financial of America ) investigated by the Illinois Department of Professional Regulations Banking Division. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Mortgage

I have filed a complaint about Wells Fargo on Several occasions and they comeback denying the have done anything wrong. So now I will attach proof of those lies and making it known that the initial filing of foreclosure in XXXX of XXXX was done at the same time I was in active loss mitigation with Wells Fargo and that the hearingnnthat took place in XXXX of XXXX, after the servicing of my loan was passed onto XXXXXXXXin XXXX of XXXX, was done at the sametime I was in a forbearace plan and is a direct violation of the dual tracking law which prohibits any foreclosure action. Furthermore it is stated in the documents sent to me that while in forbearance no further foreclosure action will take place. Proceding with any more foreclosure activity based on a hearing that in itself Violated Federal Law which gives no credability to the results of that hearing, is knowingly pursuing an illegal foreclosure.
Product: Checking or savings account

I've had an account with WellsFargo in XXXX and I haven't received or gotten availability to reach my funds of the account which was around the amount of XXXX USD, I was awarded that amount of money from winning in court against a Foster care facility that placed me into a XXXX XXXX  after XXXX, Wellsfargo was my 1st banking account and I've been struggling ever since. 


Please assist and I hope to hear back from anyone of you soon.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( Ajin general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Debt collection

The XXXX XXXX XXXX XXXX called me because they claimed that I asked for their call, or I called them. This was a complete lie. I talked with them to find out as much information as possible about them. When I told them, I was uninterested and I failed to meet " qualifications '' and had wasted their time I was called stupid, threatened to continue calling me, and then repeatedly harassed me by more phone calls from the same person and number. He called 7 times in the next hour, I repeatedly said to stop. I was offended by the audacity to call me, blame it on me, and then call me " stupid '', and then threaten to harass me with more calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I discovered a false account with XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but they denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX have 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I sent about {$2000.00} on XX/XX/2021 that was supposed to be available to the recipient on XX/XX/2021 with Chase bank to an international bank. However, I requested to cancel the payment on XX/XX/2021. I have talked to everyone that I could possibly talk to to cancel my payment, but no one can do anything about it. I wanted to cancel my payment because the recipient did not receive the payment on the day they were supposed to. They still haven't received it. The company wants me to figure this out with the international bank when I transferred the money with chase bank here in the US. I even tried contacting the person I transferred the money to, but I was told to call my bank. I keep being sent in circles just to get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing identity theft on 2 XXXX XXXX accounts on experian for quite a while now. Both XXXX  and XXXX have already acknowledged the identity theft and removed this account. However Experian still has it showing as well some other account from some financial network that is also identity theft. I have already submitted a police report and ftc report for all of these accounts to all 3 bureaus. 

Here 's the information on these accounts. 

Account NameXXXX XXXX XXXX XXXX Account NumberXXXX Account TypeAuto Loan ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off. {$32000.00} written off. {$32000.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$32000.00} Balance UpdatedXXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$30000.00} Highest Balance {$0.00} Terms72 Months On Record UntilXX/XX/XXXX Account NameXXXX XXXX XXXX XXXX  Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off. {$16000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXXBalance {$16000.00} Balance UpdatedXXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Credit Limit {$10000.00} Highest Balance {$16000.00} TermsNA On Record UntilXX/XX/XXXX Account NameXXXX XXXX XXXX Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXXXX StatusCollection account. {$460.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXXBalance {$460.00} Balance UpdatedXXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Original Balance {$460.00} Highest Balance {$0.00} Terms1 Months On Record UntilXX/XX/XXXX