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

To XXXX, Equifax, and XXXX. 

Ive submitted several disputes upon a series of companies whove purchased one particular charge off from a former creditor XXXX. Ive disputed the original creditor 's report as having an incorrect remaining balance of {$500.00} due to the fact that the XXXX themselves reported that my last payment received was dated on XX/XX/17 yet late fee charges were continuously assessed into the that remaining balance reported beyond the maximum 180 day delinquency charge off date by an additional 2 months. Some of the CRAs ( XXXX ) while others have not since updated that original XXXX credit report to reflect the error by removing the remaining balance completely as well as the payment history associated with it. A second party had purchased that errored bad debt from XXXX but managed to also make an additional mistake of not carrying over the original balance of {$500.00} and instead reported a remaining balance of {$500.00}!! Ive asked all the CRAs to investigate and upon that request was given the response the report falls under the fair credit reporting act. The debt buyer ( XXXX XXXX ) has no contact information in which I can coordinate any type of resolution. To make matters worse the debt buyers report was purchased by a third party XXXX XXXX XXXX of whom are purportedly reporting the same inaccurate information of {$500.00} for the remaining balance. {$500.00} does not equal {$500.00}, the fact that this third party is re-reporting the inaccurate information of the first debt buyer yet each of the CRAs capitulate that their investigation has been concluded with the same responding resulting review of still falls under the FCRA I want each CRA to show their results of how their investigation was conducted because last I heard reporting inaccurate information still goes against the FCRA. So, even though the incorrect balance of {$500.00} from the original creditor was disputed and then finally removed from my report its not reflected in the subsequent charge-off amounts and in additional the subsequent charge off amounts from debt buyer to debt buyer is also in accurate being {$500.00} does not equal {$500.00} I can only logically conclude that each of the CRA have in fact not thoroughly investigated my claim at all!!!
Product: Credit reporting or other personal consumer reports

I have submitted a report to the XXXX regarding the unauthorized credit inquiries, which are a clear violation of my consumer rights. 
I have disputed these inquiries with Equifax, providing evidence and documentation to support my claim that I did not authorize these inquiries and that they are inaccurately listed on my credit report. 
Despite these actions and the clear provisions of the FCRA, Equifax has failed to remove the unauthorized credit inquiries from my credit report, stating that they are accurate. This response is not in compliance with the FCRA, and it undermines the protection of my consumer rights. 

I am writing to request that Equifax takes immediate and corrective action to address this issue in compliancewiththeFCRA.
Product: Credit card or prepaid card

Bank of America they locked my account because someone hacked my account on XXXX I contacted them they sent a new card I called to activate they said I had to verify my identity through NV XXXX  and I did now unemployment is saying its up to BOA to open and they dont no when Im in the process of getting evicted if I dont get access to this money
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

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

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 
In Accordance with the Fair Credit Reporting act, DEPT OF EDUCATIONXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 602 A. STATES I have a right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 
( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

These following accounts has failed to provide proof of debt. I am also a victim of T-Mobile date breach 2019 and identity theft victim. 

The following accounts should be removed due to inaccuracy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The account was opened on XX/XX/2023 the highest balance is of {$720.00}. 

The account was closed on XX/XX/2023. 

The contact info is : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX ( XXXX ) XXXX I filed an FTC identity theft report, which is attached below ; and, I have no consent of this account.
Product: Debt collection

I would like to request a validation of debt. The Debts appear on my credit report, unbeknownst to me, and I would like a full itemized list of procedures that took place and dates of original debt. This would allow me to ( 1 ) verify the information is accurate and I received the treatments listed ( 2 ) Make sure the bills are under my name correctly, including the correct insurance information and billing address ( 3 ) collect information about the collector and the bills being collected
Product: Vehicle loan or lease

I obtained auto finance through Toyota XXXX XXXX. My payment due date was originally on the XXXX of every month for {$380.00}. 

On or about end of XXXXXXXX XXXX  due to anticipated changes to my finance, I called and requested for a change of date to the XXXX of every month. 

On XXXX XXXX XXXX the request was approved and a new date was set as shown on the letter attached hereto. 

Toyota XXXX XXXX has deliberately refused honoring the new date and been bombasting with calls that my account is late and delinquent. I spoke with 2 clerical staff for correction of the error, which ahs not been corrected. 

In the meantime, the lates have been reported to all credit bureaus, which has impacted me negatively.
Product: Debt collection

This is my XXXX complaint against Contract Callers. A very disrespectful representative XXXX called my phone today at XXXX AM and asked for my name and told me to verify the last XXXX digits of your social security number. He did not even verify where he was calling from. 

Very rude and distasteful phone call. As done before, a complaint was filed against Contract Callers who illegally put a collection on my credit. 
Now that I contacted CFPB and they had to removed the collection off my credit, they illegally call my phone. 

Again my question stands, is this company permitted to collect from Florida residents? Even if they now are, I am affected by the pandemic and out of work indefinitely. 

Please stop this company from contacting me and harassing me after the last CFPB complaint or I will have to find a free law service to help me file a harassment lawsuit. 

My last complaint was filed XX/XX/2022. Why are they calling me threatening me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed this company a letter requesting loan information they are showing as an obligation of mine, but never received a response I want all account information to verify validity of the debt reported.
Product: Debt collection

I am filing a compliant due to the fact XXXX  is reporting incorrect information on my personal Credit Report. On XX/XX/XXXX XXXX  started reporting the folliwng Account # XXXX Original Credit : XXXX XXXX  stating that I own a balance of {$3800.00}. This account is now assigned to another creditor by the name of Lewis McDonnell & Asso. This account is not mine I am a victim of Identity Theft and have never agreed to conduct business with this Creditor. I have contacted XXXX  via Mail and Fax asking for validation of this debt on XX/XX/XXXX and again on XX/XX/XXXX I also provided a copy of my ID and Social proving my identity informing XXXX  of my Identity Theft issues, they have failed to reply in resonable amount of time to provide me with any evidence that this debt is mine, I ask that you now please remove this account from my report immediately.
Product: Credit card or prepaid card

I was approved for XXXX XXXX XXXX card with a limit of {$1000.00}. Approx 5 or 6 months later, they drop my limit to XXXX with no notice. This caused me to have to pay a bunch of fees, because my balance was over the XXXX. After I called I received a letter in the mail saying they reduced my limit because my credit score changed. 
Today, XX/XX/2022 I logged in to pay my XXXX XXXX bill. My limit has been decreased from XXXX to XXXX, when my balance is XXXX. I check my credit score 2 to 3 times a week. I know it has gone up. There is no logical reason to me for this to happen. When. Calling XXXX XXXX/commenity, they have no answers. They say they will transfer my call and I get hung up on 4 times! Four! I am beyond upset at this. This is affecting my credit score. And no one has answers.
Product: Checking or savings account

I opened a new savings and checking account with Wells Fargo Bank. After one week, i had almost {$20000.00} in my account. Opening a new bank account, my rights were violated and creamed. XXXX XXXX XXXX XXXX XXXX  in XXXX XXXX XXXX XXXX XXXX took money from the checking account with promises to give twice as much BONUS money. It never materialized and when i lost, it compelled me to recover.

I filed a legitimate fraud and mishandling of money claim with my brand new bank, Wells Fargo. My rights were violated and pummeled. I'm tired of banks saying they are for the consumer when all they care about is making money and lots of it and mammon.

Wells Fargo Fraud and Disputes representatives NEVER even contacted XXXX re my claim for violation of almost {$20000.00}. Wells Fargo violated my being and assaulted my checking accounts with fake promises of provisional credit to properly investigate the large claim and the works are in my favor.

Wells Fargo like all banks is a money hungry mammon feeding serpent which should recoup my {$20000.00} immediately or give provisional credit to properly investigate. My finding was XXXX was never contacted by a Wells Fargo banker at all.

PLEASE help me recoup my nearly XXXX XXXX and immediately for false advertisement by XXXX and vicious double charges by XXXX processor.
Product: Mortgage

My husband passed away in 2005 and since that time, Chase Bank has been taking the mortgage payment out of my account but will not give me the credit for it. I have paid the mortgage down over {$330000.00} and asked Chase Bank to PLEASE put my social security number on the loan and submit it to the credit reporting agencies but they will not do it for me. They sent me a letter saying that " you 're not financially responsible for this loan '' but yet they continue to take the payment out of my account but will not help me by submitting this information to the credit reporting agencies so that I can improve my credit rating, which is poor due to the fact that I have a mentally ill child and got into trouble with my credit cards, which resulted in a poor credit rating. I asked Chase Bank to please put my social security number on this loan, took the death certificate in FIVE times and they will not help me. The home would sell for at least XXXX and I owe {$63000.00} on it, have paid them over {$330000.00}. If this were on my credit report, it would help me tremendously. I am a widow and on a fixed income. I need this credit. Why cant I get it???
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th request to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning do not 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$860.00}
Product: Bank account or service

I transfered an IRA account from BB & T bank. This account was origionaly with the XXXX. BB & T deducted XXXX Dollars from the account when they transfered it. The instition which I depsoited the money origionally would not have done this. This deduction was done without them telling me about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 CITIBANK, NA /XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX ( XXXX  ) XXXX Unauthorized hard pull / inquiry shows up on my credit report from this bank.

I did not authorized CitiBank / XXXX  to register a hard inquiry on my credit and it is negatively affecting my credit score.

I have repeatedly reached out to CitiBank / XXXX  to resolve this issue and remove this hard inquiry without success.

I have been unsuccessful in submitting a dispute due to the CitiBank / XXXX making it challenging for consumers to dispute these unauthorized hard inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for accounts that are reporting on my Credit file and credit report. These accounts aren't mine but are reporting as if I obtained credit cards, opened bank accounts, opened phone accounts and medical bills. These accounts are as followed. XXXX XXXX XXXX  on XX/XX/XXXX, XXXX  XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXXXXXX  on XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. These accounts are not mine but are on my credit report. Ive also asked for original contracts from all above named companies but have yet to be provided with as requested.
Product: Credit reporting or other personal consumer reports

I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and in accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I request delete the not authorized hard inquiries below : XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I submitted a dispute to TransUnion on XX/XX/year>, using their online portal. At that time, I was paying {$32.00} per month for their credit monitoring service. The dispute was expected to be resolved by XX/XX/year> ; however, I did not receive any results. 
On XX/XX/year>, while checking the status of my dispute, I discovered that my ability to submit disputes online had either been removed or was unavailable. Assuming it was a maintenance issue, I initiated a chat session and was connected with an agent named XXXX ( correspondence attached ). She informed me that it would take 3-5 days to resolve the technical issue with the portal and provided me with reference number XXXX. After our conversation, I refreshed the chat and spoke with agents Neo and XXXX. XXXX indicated that he had escalated the issue but did not provide a reference number. XXXX informed me about ongoing maintenance problems. 
Subsequently, I submitted the details of my conversation, along with the reference number, to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not receive any notification from TransUnion and consequently canceled my service on XX/XX/year>. 
On XX/XX/year>, I sent a physical dispute letter, along with a copy of my driver 's license, via certified mail ( tracking number : XXXX ) to TransUnion, addressing inaccuracies in my credit report. The letter was confirmed as received on XX/XX/year>, as evidenced by the attached certified mail receipt. However, TransUnion failed to respond within the 30-day timeframe mandated by the Fair Credit Reporting Act ( FCRA ).
Product: Payday loan, title loan, or personal loan

I have been having trouble coming up with the weekly payments on the loan, which are {$270.00} bi-weekly, but managed to have the money in the account ready for the withdrawal date. I originally applied for this loan at Big Picture Loans because I kept getting bombarded with mail about their low fees and the convenience. I found myself strapped on cash for rent and decided to apply for the loan. They sent me an e-mail congratulating me for being approved for {$1500.00}. After making a total of 5 payments on time, a total amount of {$1300.00}, I called the company to let them know my financial situation is not getting better and that my job is actually cutting hours, to which I have payroll statements for proof. They let me know that out of the {$1500.00} that I had originally borrowed that I owed {$1500.00} and that the {$1300.00} that I had paid so far was all in interest. Therefore that for {$1500.00} loan I was going to end up paying over {$4000.00}! The company was very deceiving when continuously to bombard me with mail and making it it seen that it was a viable option for a low income family like mine. Those kind of loans should never be offered, neither approved, to someone who is making {$300.00} checks minus deductions. I want to pay the balance due on the original money borrowed and shouldnt be charge those high interest fees when Big Picture Loans was constantly pursuing a client that clearly did not qualify to get that kind of loan. I am a single mother with XXXX children ages XXXX, XXXX, and XXXX and that loan would only bring my family to be even lower on the poverty level. Please help.
Product: Debt collection

XXXX reported a false balance on an account. XXXX never made contact saying there was any debt owed. Collection agency said they were the third company to receive the debt but we never received anything from the first two companies. I wrote them a letter and explained it to them they did not care first two people I spoke with were absolutely RUDE! The last one was very nice. This collection dropped my score XXXX points and I wasnt aware until one month before about it.
Product: Mortgage

I'm in the process of refinancing my exsisting home loan. I've been involved in the process for over a month now. I paid {$500.00} ( on XX/XX/XXXX ) in full for my appraisal. Then my mortgage company came back to me to collect {$300.00} more. So I have TWO issues with Alliant Credit Union -- # 1 that they are charging me more money for an appraisal than what a basic appraisal costs. ( I know this as Ive spoken to the Appraisal company -- XXXX XXXX, XXXX ) # 2. Alliant Credit Union is requiring an " inside '' appraisal. This should not have to be done for a refinance -- especially for an exsisting loan. AND especially due to the circumstances surrounding the COVID-19 crisis. There are alternative ways to complete the refinance process that does not involve an " inside '' inspection that would jeopardize the health and safety of my family. I've talked with XXXX XXXX. Who has guidelines published on their website and Selling guides of appraisal exceptions that need to be made. I've been told that a " drive-by '' ( exterior only ) and/or a desktop appraisal can be done. I've also been told that there is a process titled DRDC -- Directed Remote Data Collection -- which is a process by which an inspection can be completed remotely by an appraiser who guides the homeowner through the inspection aided by video conferencing technology. Again, these are all suitable methods that the Lender - Alliant Credit Union can do to respect the state and federal mandates of " shelter in place '' and social distancing. I can not have someone come into my home. I, my daughter, my spouse and my XXXX years old mother ( who's immune system is compromised ) lives with me. We can not take any  changes of being exposed to this deadly virus. I have clients who have already died from this virus and it should not be taken lightly. I need help here to have my Lender find an alternative way to complete my refinance without having an outside individual in my home. Thank you