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

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX  XXXX Balance : {$2300.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payments to you when I received my statement. My only thought is that my statement did not get to me.
Product: Debt collection

Alliant Capitol Management XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, NY XXXX This company will not stop calling me after several attempts of talking to them to convince them that I am not XXXX XXXX. This has been 1 year of harrassment. 
1. I explained that I had just received my cell phone & new phone #. Possibly the owner of the phone # prior to me. ... ... .the calls & voice mails kept coming. 
2. After 2 months, I registered my cell phone with donotcall.gov ( XX/XX/XXXX ) 2. After 3 months, I answered the call & explained I was on the do not call list. Please stop calling me. ... ..the calls & voice mails kept coming. 
4. After 4 months, I answered the call & yelled at the guy that I was on the do not call list & to stop harrassing me. I threatened with I would contact the Fair trade Commission. The guy agreed to take me off of their list. 
5. 3 months went by & it was quiet. 
6. XXXX XXXX the calls & voice mails started again. Today, XX/XX/XXXX, I called the phone #, XXXX XXXX. I asked for the company name & who I was speaking with. " XXXX XXXX '', he said. The guy said he could not help me unless I gave him my phone #. I stated I would not do that as I just wanted the name of the company & the address as I was putting in a complaint. He insisted that he could help me if I would just give him my phone #. I held strong & said " no, please give me your address. I have already fallen for the promise to remove my phone # from the list & that turned out to be false ''. He giggled. He thought that was funny. After he pulled himself together, he stated he would XXXX  it. He gave me the address, however, he gave me the city of XXXX. When I hung up, I XXXX  it myself & discovered his ploy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting 12 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2 dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX  Balance Owed : {$3900.00} XXXX XXXX Balance Owed : {$8800.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXX/XX/year>
Product: Credit card

On Sunday, my XXXX credit card number was stolen. This is normal and happens. As fraudulent charges started piling in, I received a call from " XXXX XXXX '' claiming to be in the fraud department and wanting to secure my account. It was my fault to work with them and I should have known better. In the end they took over my XXXX  Id, locked me out of my account and factory reset my phone. A very clear cut case of fraud. 

In the days since I have worked tirelessly securing bank accounts, changing passwords, enabling XXXX, etc. Every single call I have made has been a step closer to getting my life back, that is, except the calls to XXXX. Banks have changed compromised accounts, yet for some reason, XXXX refuses to help change the email on my compromised account or give that account back to me. This has made it so every change I am making with my banks is being sent to my hacker. They have full access to my disputes, accounts closing, everything since XXXX is unwilling to work with me. 

I am perplexed. I have years worth of evidence that the account is mine, yet I am refused help time and time again by XXXX. Device serial numbers, bank transactions, emails, purchases, locations, are all things that could easily identify me. I have offered to get police reports written up, yet nothing seems to change XXXX 's mind.
Product: Mortgage

My mortgage was transferred to fay serving in XXXX of XXXX I got behind all of that year but made payment arrangements in XXXX of that year. I had 1 year to get caught up witch I did but they said that when my acct was transferred they payed my escrow in advance and that I needed to pay my current escrow and the one that was payed so ever since they I have been pay on the advance and when I call they keep tell me I have two years to pay that money back. My payment went up ever year and they keep tell me I am paying the extra money for the advance. My home owner insurance wasXXXX in XXXX and taxsXXXX my payment was XXXX and only XXXX went to principal and XXXX to interest the rest went to escrow. I keep calling every year and they keep tell me the same thing another 2 year to pay it back. My interest is 3.37 %. My payment this year is XXXX. I am so stressed about this can someone please help me understand. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXXXXXX XXXX XXXX XXXX has violated my rights, XXXX XXXX XXXX XXXX has violated my rights, XXXX XXXX - XXXX has violated my rights, XXXX  XXXX | Original creditor : XXXX IN - XXXX has violated my rights, XXXX XXXX, XXXX  | Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX - XXXX has violated my rights, XXXX  XXXX  | Original creditor : XXXX XXXX  XXXX 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 states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692C - Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I have never given accounts written permission to furnish on my credit reports.
Product: Credit reporting or other personal consumer reports

I submitted my identity theft reports to Experian, XXXX, and XXXX and they are still reporting the inaccurate information. As well as some of the collection agencies are harassing me including XXXX XXXX XXXX XXXX I submitted the disputes and the documentation at the beginning of XX/XX/year>.
Product: Debt collection

They are reporting a collection on my credit report about a debt that I have no knowledge of. They have failed to reply with the information requested.
Product: Debt collection

My Best Buy account was hacked and a was purchased and shipped XXXX XXXX XXXX XXXX XXXX Tx. XXXX My address is XXXX XXXX XXXX XXXX, Ga XXXX don't know anybody in Texas. Best Buy tracked the delivery and send the information to me. They also emailed me about changes made to my account when the hack happen. Best Buy wanted me make to pay unto investigation was complete. Afterward they said the item was delivered to me.
Product: Credit reporting or other personal consumer reports

I recently pulled my reports and noticed a company by the name XXXX XXXX XXXX is reporting incorrect information on my credit profile. The alleged debt is being reported by Experian as Closed but by XXXX as paid on time how is a closed account being paid on time? Both can not be true, Because the payment history being reported by Experian and XXXX are different, this means the account has not been properly verified. Please delete this account immediately.
Product: Credit reporting or other personal consumer reports

This is my six 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX am submitting this complaint without any assistance from a third party. Attached below is my FTC Identity Theft Report and full compliant. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has placed an inaccurate entry on my credit report. I recently retrieved a copy of my credit report and noticed that they had placed an account on there. Previously, I have disputed this account entry with them in XX/XX/2019 via certified letter with return receipt. The tracking number for this letter is XXXX. Tracking reflects that they received this letter on XX/XX/2019. To date, they have not responded with any documentation ( as requested in dispute letter ), that provides their authority to collect on this alleged debt in the state of Texas, an agreement with signature of the alleged debtor wherin he/she agreed to pay the creditor, date this alleged debt became payable, original delinquency date, complete accounting of the alleged debt, nor the name and address of the bonding agent for them in case legal action becomes necessary. 

This company is blatantly violating my consumer rights and this entry must be Deleted from my credit reports immediately.
Product: Credit reporting or other personal consumer reports

This is my first 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting

Inquiries associated with my account were not properly verified by me and I want them removed now. Complained to Equifax Bureau for not properly verifying and would never let me speak to a rep in the US.
Product: Mortgage

Deed of Trust ( Page 5, Funds for Escrow Items ) nowhere mentions that Original LTV ( not LTV ) must me < 80 % for closing escrow account ( attaching FYI ). 
My property LTV < 80 % : -as per XXXX county appraisal ( for 2019 Property tax ) - Mortgage appraisal done by you for which I paid out of pocket The purpose of paying {$600.00} for mortgage company 's appraisal recently was to get away from escrow account, so I can pay single payment for my property taxes every year. You are contradicting your own letter where you were telling that escrow account can be closed if LTV < 80 % ( not original LTV, attached 53LTVLetter document FYI ).

If your argument of original LTV ( not LTV ) < 80 % for closing escrow account is correct, please provide me document evidence i.e copy of escrow account disclosure. I requested for a copy of my escrow account disclosure that I signed or initialed at time of closing however even after 3 months I haven't received it neither my escrow account closed. As a customer I tried to reach them multiple times ( even tried to reach XXXX XXXX who's working on this case since 3 months ) and requested for escrow account disclosure but they never sent me a copy. 

Thanks, XXXX.
Product: Debt collection

I recently reviewed my credit report and saw that a collection that had been removed with XXXX XXXX is now being reported by XXXX opened XX/XX/year> balance {$1600.00}. I do not recognize this debt and I did not receive notice from this collection company regarding this debt they are reporting. There have been changes to medical debts reported on a credit report - There has been a law change and medical debts will no longer reflect on credit reports. Nonetheless, I never received documentation to validate this debt and it was closed on CFPB in a prior complaint.
Product: Money transfer, virtual currency, or money service

I submitted a transaction on coinbase.com of XX/XX/XXXX at XXXX. It is XX/XX/XXXX XXXX and the transaction is still " waiting for approval ''. The policy stated that the transaction will be completed in 48 hours but it has been over 100 hours and I am losing on my investments. This is UNACCEPTABLE and I am trying to retrieve my investments from them and close my account. Their customer service is non-existent. It is a scam and they are locking up people 's funds and trading with it.
Product: Debt collection

The u s collection went to court and garnished my wages from work .I payed off my debt to the collections I have proof of payments and I have the letter that states the debt is satisfied and will not honor that I payed it off.
Product: Credit card or prepaid card

Received a credit card from Citi I did not request. I have called twice to request that the account be closed and both times they refused to honor my request without me giving them my social security number. I refuse to give this information out, especially to a company I don't have any confidence in. My credit file was frozen several months ago to prevent fraudulent applications. I don't know how this application was processed despite the freeze. The company suggested that I walk into one of their branch offices to get a telephone number for their credit fraud department rather than trusting in the number on unsolicited mail. There are no service branch offices near me.
Product: Debt collection

Bounce AI first contacted me about a month ago regarding a debt owed to a company called XXXX from XXXX to XX/XX/XXXX. They claim to be a debt collector and have provided me with no proof that they own or were sold the debt or evidence that I consented to XXXX to provide them with my information. I know for a fact that they do not own the debt as the debt does not exist for the following reasons. 

I purchased a 50 '' XXXX TV from XXXX on what was basically a lease to own basis. When I received the product it did not work, and after about XXXX days of attempting to exchange the product or have it refunded, the company refunded what I had paid to that point and advised that I could " recycle it at your discretion ''. 

XXXX attempted to contact me once again in XXXX and I had to remind them that they cancelled the order and refunded me, and now we are having this issue again. The email communication that I received today stated that " XXXX XXXX  XXXX '' would be added as a collection account to my credit report in 26 days. I would also like to point this out as further proof that the debt collector has no authority to collect the debt. 

I have attached the email correspondence from XXXX to this complaint in both a text file that is mostly in order as well as the original emails from the company. 

For reference : Bounce AI Reference Number : XXXX XXXX  Account : XXXX
Product: Mortgage

Our loan servicing company was changed to LoanCare and soon after we noticed an error on the new online site. While our payments seem accurate and the total amount owed seem accurate, the online site states the wrong Original Loan Amount. We want the Original Loan Amount on the website ( which is listed as {$44000.00} higher than our original loan ) corrected to the amount on our loan paperwork. We have emailed three times to have this issue corrected and our emails have been totally ignored. Each email was submitted through LoanCare 's secure email via their site login. When our emails were ignored, we began calling to have the issue corrected. We called on XXXX XXXX, 2016 and spoke to XXXX, ID # XXXX. She seemed to understand the problem and agree that it needed to be corrected. She said it would be handled and we would receive written confirmation of the change in the mail. When we did n't receive anything and the correction did n't happen 30 days later, we called again on XXXX XXXX, 2016. This time, we spoke to XXXX, ID # XXXX. She said we could not speak to a supervisor. She listened to the issue and said she would look into it, putting me on hold. A few minutes later, She hung up on me. When I called back, I reached the same person I spoke to on XXXX XXXX, XXXX, ID # XXXX. She said that she remembered me and that their paperwork said that the issue would be resolved on XXXX XXXX and we would be contacted with a resolution by phone. That date has come and gone and we have not heard anything. We have original loan documentation proving that their information is inaccurate and we want this corrected. My concern is that they will sell the loan to another company with this inaccurate information. Due to their unreasonable resistance to correct this error, we are beginning to suspect that they have no intention of fixing the error. We need a definitive response from the company so we can know what next steps to take to address the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband died in 2016 and since then Equifax is reporting me as deceased. I have attempted several times over the years to dispute this they investigate but never change the fact that my credit report has a score of XXXX. I need to buy a house and this is preventing me from doing so. I need this fixed. I have submitted copies of birth certificate, drivers license, social security card, documents with present date showing my address. I dont know what else to do. Please help!
Product: Checking or savings account

Ive been having a recurring issue with Truist charging maintenance fees on my legacy Suntrust savings account. The account in question has had recurring transfers of {$30.00} from checking into savings each month since opening the account which is one of the conditions for avoiding the {$7.00} maintenance fee. After the changeover to Truist, their system has charged this fee although nothing has changed with the account. I contacted Truist through XXXX in XX/XX/XXXX about this issue and was credited the fees and told the issue would be resolved. On XX/XX/XXXX, I was once again charged a {$7.00} maintenance fee. Ive reached out to Truist through XXXX once again via a XXXX and direct message about the issue and have yet to receive a response. Ive also contacted Truist twice through their chat support and have been unable to get the issue resolved.
Product: Debt collection

My XXXX credit report shows a collection from Capital Accounts LLC for a debt of {$190.00} to a Doctor XXXX XXXX ( eye doctor ) that has been paid in full. 

Capital Accounts LLC claims it is still open
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration regarding the multiple unsuccessful attempts to remove fraudulent items from my account. Despite my persistent efforts and numerous communications, the unauthorized transactions persist, causing significant distress and financial concern. Discovered unauthorized transactions on my account statement. Immediately reported the fraudulent items to your customer service department, providing all necessary details. Received acknowledgment of my complaint but witnessed no immediate action on the removal of the fraudulent transactions. Despite assurances, the fraudulent items remain on my account, causing additional stress and financial uncertainty. The prolonged delay in addressing the issue is highly concerning, and I find it unacceptable given the urgency and potential risks associated with fraudulent activities. I urgently request the following actions : Immediate and thorough investigation into the fraudulent transactions on my account. Transparent communication regarding the steps being taken to identify and remove the unauthorized items. Swift removal of the fraudulent items from my account and a confirmation of their removal. I am asking for your assistance to remove the fraud items in my credit file : 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 XXXXXXXX XX/XX/year> ; XXXX XXXX XXXX XXXX XXXX, CA XXXX.
Product: Credit card or prepaid card

To Whom it concerns : Hi, I have a credit card account with TD Bank card service through the furniture store XXXX XXXX XXXX. I bought a XXXX dollar furnish last XXXX with the free APR finance for half year. I arranged the automatic payment to pay the balance in full in six months. but due to the operation problem from my bank. so i missed the last payment to pay the balance in full, which is about XXXX dollar. now they charged me over XXXX dollar interest on my account. this is not fair charge with only XXXX dollar balance. during the covid-19 ciris, people can delay their payment. I continued to make payment. the XXXX dollar int charge is not fair. I expressed my concerns to TD Bank. they did not want to reduce the int charge. 

Best
Product: Debt collection

On my credit report, they keep on reporting it as a new debt It was filed again in XX/XX/XXXX as a new debt was already reported in XXXX and they keep on refunding it like its a new debt thats got to be illegal. Affecting my credit in a negative way.