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

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. 
Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX # XXXX, Account name : 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 : It also states a consumer reporting agency can not furnish a 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 ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting act XXXX Account XXXX. XXXX XXXX. # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX. # XXXX XXXX. The XXXX XXXX. # XXXX 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 instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account reporting on my credit file as of XX/XX/XXXX that is in collections for {$180.00} with XXXX XXXX XXXX. I just turned XX/XX/XXXX of this year. This is not my account. I tried to dispute it online with the credit bureaus today but was unable to create an account due to my age.
Product: Debt collection

I have attempted to obtain validation of this debt from XXXX XXXX XXXX three times since XXXX XXXX, 2016. I have not received VOD. I supplied a copy of my social security card, my DL, proof of residence, tax returns for two years and they still can not locate me in their system. Today I found this account on my credit report. I spoke with XXXX at Capio Partners Collection agency, and XXXX from Capio Partners Patient Advocacy department and neither of them were able to locate my file. They advised I contact XXXX XXXX directly. I spoke with XXXX in the patient billing department at XXXX XXXX hospital. He used several methods to attempt to locate a file in my name. He was unsuccessful. He advised I dispute the account directly with my credit bureaus. I disputed this account with all three major credit bureaus. XXXX responded by updating my experian credit report with a balance of {$9400.00}. I have done everything to get this debt removed from my credit report. The original creditor has failed to provide me with validation of this debt. I have given them ample opportunity and proven my identity. I have sent a letter of dispute to Capio Partners as well. I am requesting this debt be removed from my credit report immediately as their negligence is affecting me in a negative way. This is false reporting.
Product: Debt collection

I received communication from Debt Recovery Solutions stating they represent XXXX XXXX , XXXX collect  for XXXX XXXX XXXX XXXX in XXXX, the statement they sent had no dates of service or what the bill was for. 

I spoke with XXXX XXXX XXXX XXXX and was informed that they do not sell their clients medical bills, they have an agency they use to collect for the XXXX XXXX XXXX, XXXX in XXXX, VA. 

XXXX XXXX further informed me all bills I had with them were paid in full. 

I have sent a letter to Debt Recovery Solutions , LLC as well. The letter is attached that I sent to them.
Product: Debt or credit management

A person called me claiming to work for my Mortgage company. He said I had negative escrow and needed to pay it asap to avoid foreclosure. After paying {$800.00} in visa gift card. He offered me a way to lower my monthly payment by {$500.00} by doing a mortgage modification. So I Paid the 3 trial payment of XXXX Then other fees for " paperwork '' 2026 and another thousand. Now I am getting late notices and am Behind on my mortgage. I lost close to XXXX
Product: Credit reporting or other personal consumer reports

Hello, Thank you for considering my request for assistance. The Flagstar Bank took over our mortgage loan as a new servicer on XX/XX/2023, but never contacted us ( three family members on the joint loan account ). As a result, the payments have been delayed since XX/XX/2023. On Sunday, XX/XX/2023, after receiving alerts from credit reporting agencies that our scores had dropped from excellent to poor, we became aware of the new loan servicer, Flagstar, and the overdue payment. We immediately took action to connect with Flagstar and have paid the entire overdue sum. After speaking to six representatives, one of them realized and admitted that all communication attempts had failed, and the letters were returned to Flagstar because they did not have the apartment number included when mailing us. Flagstar representative also listed to us unknown phone numbers they used to try calling. We corrected all information for Flagstar, set up new auto payments, and asked that they remove the late payment mark from our credit reports. They declined this request. I hope that we can get you help with this matter. Our credit histories speak for us, and the burden of having this late payment stain on our credit report for many years to come turns our lives upside down. We feel that we have done everything in our power to rectify this issue, but Flagstar remains numb to our plea.
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and it shows a fraudulent account. Please remove all fraudulent accounts its hurting my ability to obtain credit.
Product: Checking or savings account

My complaint is in regards to my checking account that I have with Chase bank. I schedule a reoccurring withdrawal to come out of Chase account on my pay periods in the amount of {$1000.00} starting on XX/XX/2024. When I got paid on XX/XX/2024 I had a current balance with Chase of {$610.00} and a present balance of XXXX. I schedule the automated withdrawals to go to my landlord account. My landlord called me on XX/XX/2024 and told my that she checked her account and she seen a debit of {$1000.00} come out of her account to my account, in which it was supposed to come out of my account and go to her account. I check my Chase account and I had a available balance of {$1600.00}. So I acknowledge the error that I made with my landlord and schedule transfer my account in the amount of {$1000.00} to go back into her account on XX/XX/2024 and after the transfer I had a available balance of {$610.00}. I also cancel the reoccurring withdrawals that were supposed to be future payments and after the transfer I had a series of debits and deposits in my account. On XX/XX/2024 I had a available balance of $ XXXX some odd cents. On XX/XX/2024 I received an alert from Chase that I was overdrawn- {$300.00}. I checked to see why I was overdrawn because my account was not supposed to be overdrawn and Chase had debited my account {$1000.00} to by credited back into my landlord account. I called Chase and I was told that the reason why they debited my account was because the funds were not available in my landlord account however they made it available for my to send it back to her on XX/XX/2024. So they debited my account and total messed my account up and now I am at risk of getting charged NSF fees because I have transactions that I am unable to stop because I was under the impression that the {$1000.00} that was credited to my account by landlord account was available because Chase released the funds. I am extremely upset and I want to know if this is lawful and I wanted to file a complaint because I believe Chase is doing some unethical practices. I am unable to provide for my family until my next pay check which is on XX/XX/2024 because of Chase mishandling my money.
Product: Credit card

On XX/XX/year> a company, Febdestiny preformed an unauthorized inquiry and I would like for it to be deleted from my XXXX Credit Report Immediately. 

Thank you, XXXX
Product: Credit reporting or other personal consumer reports

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

MCM has been harassing me threatening to sue me. Calling at all hours of the day even at night. I did not have agreement with them as I do not owe them anything. They have ruined my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete XXXX  : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Checking or savings account

There was a fraudulent check deposited into my account and I am claiming fraud on the account
Product: Debt collection

I have been receiving repeated calls from a variety of phone numbers over the past three weeks located in XXXX, NY. The calls use a combination of real people and a recorded voice. They threaten to call my employer and that they have legal claims against me. They say that if I dont call them, they will take legal action. I called them using the claim number they gave me ( XXXX ) and they wanted my social security number, plus a lot of additional personal information. Plus, they wanted payments in order for it to go away. Im a smart person and knew that I had no legal cases pending against me. I also XXXX  the phone number ( XXXX ) and there were many people who reported the same harassing calls and that they were spam. The callers have also been calling my husband 's Phone on behalf of me and who knows what other relatives of mine. I have been blocking them, but I dont want them calling my employer or any of my relatives. This is harassment and needs to stop. I have been registered on the Do Not Call list for years.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

I strongly believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online freelance work/business intermittently since XX/XX/2010. My paypal account : XXXX has stucked funds in it that I have to withdraw as soon as possible for emergency purposes. And I am hoping that I will get my account back and be able to withdraw my funds. Thank you and God bless you. 

For identity verification, I attached my Valid ID. Please see attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a billing with XXXX XXXXXXXX XXXX for {$970.00} that I thought would be paid by insurance. It was not and they turned it over to a collection an agency AR Resources. In XX/XX/2020 I came into my money, so I paid it off. It's still showing on my report as unpaid and it's been paid since XX/XX/2020.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX Bankruptcy - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$440.00} XXXX  - XXXX - XX/XX/XXXX - {$24000.00} XXXX XXXX XXXX - XX/XX/XXXX - {$150.00} XXXX  - XXXX - XX/XX/XXXX - {$920.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$8900.00} XXXX  - XXXX - XX/XX/XXXX - {$960.00} XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$1200.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report for updates, I found 6 accounts that were listed as in dispute by consumer. The previous report weeks before did not show this. The accounts listed in dispute were NEVER disputed. The accounts are also duplicate accounts. 
I have disputed other errors on other accounts but NEVER these listed accounts. The accounts in error are XXXX XXXX/XXXX duplicate reporting XXXXxxx Never disputed and always in " Good Standing ''. XXXX XXXX XXXX  XXXX Same as above. XXXX XXXX XXXXxxx- Never disputed Always in good standing. These accounts are also beyond the legal statute for reporting. 

Last month these accounts reported positive! 
I have started the legal process seeking damages.
Product: Mortgage

ILLEGAL LOCK OUT, EVICTION AND CONSTRUCTIVE EVICTION HAVING CAUSED HARM AND INJURY DUE TO LOSS OF USE OF OUR HOME, LOSS OF ALL PERSONAL FURNISHINGS AND PERSONAL PROPERTY, DAMAGE TO OTHER PROPERTY VEHICLES. IRREPLACEABLE AND VALUABLE PERSONAL BELONGINGS THAT WAS REMOVED FROM THE HOME. MISSING NUMEROUS ITEMS THAT WERE NOT FOUND IN THE HOME NOR IN THE YARD WITH BELONGINGS AND FURNISHINGS THAT WERE DISCARDED. 
FORECLOSURE AND REMEDY IMMEDIATELY! 

After being away from home for a while due to family medical, we arrived at the property in XXXX XXXX, PA on XX/XX/2020 and realized that we were Locked out from entering our home. Our home was not abandoned. We have loss of use and loss of our personal belongings and no response from the bank, ombudsman, or the law group except to give the new lock box code after we have changed the locks on the home. I AM NOW LOCK OUT AGAIN! 

The photos, and emails that are attached and are filed with the complaints, have been forwarded to all the parties involved Select Portfolio, XXXX XXXX XXXX XXXX /Foreclosure/Eviction and the Ombudsman of Select Portfolio as is noted on the emails.
Product: Credit reporting

I sent XXXX And Experian multiple requests regarding removal of an old mark on my credit from XXXX XXXX XXXX. 

Accordingly, I can show a judge that these accounts meet the requirements for removal and that they violated the Fair Credit Reporting Act by ignoring my requests to delete them. My previous letters -- all sent certified mail -- stated my reasons for an investigation and these reasons were not frivolous in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX of XXXX I applied for a home modification loan from BBVA Compass bank. 
I was told more than once that my credit report does not determine the outcome of their decision regarding my application. 
I was denied the modification loan and they did a hard inquiry on XXXX  Credit bureau causing my score to go down 40 points per XXXX. 
I have a hardship situation as an XXXX  due to XXXX XXXX  to my XXXX  with multiple XXXX and increased medical bills. I subsequently filed a Chapter XXXX, in XX/XX/XXXX, which was discharged first week of XX/XX/XXXX. 
I have spoken to the Manager of BBVA Compass XXXX, the district manager, XXXX XXXX, the home modification manager, XXXX XXXX, in addition to sending emails to XXXX 's manager, XXXX XXXX, and to XXXX. No one has removed that hard inquiry nor called me back after sending emails to them several times. When on the phone with XXXX and XXXX they both stated they were not removing it. 
I know they are in violation of the Federal Fair Credit Reporting act as they clearly stated that they don't use the credit score to determine their decision regarding my application for a home modification. It even states that on the application! 
***I am worse off now than before I applied for home modification. I was also denied the home modification loan. 
It's hard for me to believe that a bank, that I've been a customer of for 18 years and have always paid my personal loan and home equity line of credit on time, would refuse to remove the hard inquiry, or lower the high interest rate during these times when we need to help one another the most. I have devoted my life to others as a XXXX  and I am so sad and upset about this situation. I'm an elderly woman who was forced into retirement and divorced without spousal support in addition to having a history of XXXX XXXX. 
I need to move forward financially and have paid my dues with the Chapter  XXXX for 5 years and due to the hard inquiry I am not able to do this due to my XXXX  score. I also have spoken with XXXX   and they told me that the only ones that can remove that hard inquiry is the bank. 
BBVA Compass could have done a " soft inquiry '' instead of that " hard inquiry '' that they clearly stated, please see photos, " Please note, however, that your credit score played no role in our loss mitigation determination. '' Please help me as I need to move forward financially. Thank you
Product: Credit card or prepaid card

Capital One just turns my credit card off at will. No outstanding balance or reported lost or stolen card by me ( card owner ). 

Capital One can provide no answer as to why card is turned off. We need to verify you made purchase. Happens all the time. Ending up having to call Capital One cust service phone number. Spend several hours trying to get an answer as to my card was declined when attempted to use. No outstanding balance. Pay the balance several times a month to ensure XXXX  balance. 
Can not depend on card working when I go to use it.
Product: Credit card or prepaid card

I paid off my balance on my revolving Line of Credit with Wells Fargo on XXXX. It was a business account. They withdrew {$120.00} from my personal Credit on XXXX even though there was a XXXX balance. I called them and they said that they would issue me a check. 2 weeks or more later I received the check but it was addressed to the business name instead of me personally. I took it to my bank on XX/XX/21 and they told me they couldn't cash it because it was in a business name and to take it to Wells Fargo who submitted the check. I went to a Wells Fargo Branch, waited over 30 minutes in a car line but they said since I didn't have a savings or checking account at Wells Fargo that they couldn't cash it. The Branch Mgr. said that he would give me a telephone # to call and that they would mail me a check overnight. I spent over two hours on the phone with 5 or 6 departments. No one knew how to fix the problem. They called the Branch Mgr. and he said that he didn't tell me that. I asked that he be reprimanded for his lie to me and to them. They said that another dept would call me back later. I received a call on XXXX from that other department. They informed me that were recording the call. I then informed them that I was also. She put me on hold, came back on and stated that the conversation was over since I was recording. She then promptly hung up on me. They took {$120.00} from my personal checking even though I had a XXXX balance. I want my money and now they won't even talk to me. I told them yesterday to simply send me a check in my name since the funds were taken from me and express mail it but no one at Wells Fargo was smart enough to figure out how.
Product: Debt collection

Through my XXXX XXXX credit card " credit report '' there is a debt collection dated XX/XX/year> with XXXX yr XXXX mo listed as the open time. The collection company is Debt Co XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX The company " XXXX XXXX XXXX XXXX XXXX '' is listed as the company I owe money to. This company name is for a public utility group in Texas! I don't know anything about it! 
I've never lived in Texas! 
I asked Debt Co to explain the debt amount of {$520.00}. They wouldn't unless I gave them all my personal data, which I refused to do. They don't sound legitimate to me. 

This debt does not show on my XXXX credit report but does show on XXXX, which seems to be the credit check that XXXX XXXX uses...
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX placed XXXX accounts on my credit report in the amounts of {$710.00} and {$950.00}. After multiple attempts to get validation of the accounts, the creditor, debt collector, and credit bureau has failed to provide proper information. I only received an Itemized summary of debt owed from the creditor, but no contractual agreement. XXXX of the summaries didn't even provide the full name of the debtor or a signature from the creditor who sent this account to the debt collector. I asked for proof of verification from the credit bureaus and they continue to verify without supplying me with anything but a copy of my credit report. They have failed to provide proper validation of these debts under the FCRA regulations. I ask that these accounts be removed promptly as it is impacting my creditworthiness.
Product: Mortgage

THIS PROBLEM HAS BEEN GOING ON SINCE XX/XX/2022. I JUST SPOKE TO XXXX FROM THE XXXX XXXX TAX OFFICE. @ XXXX. SHE JUST CHECK FOR THE REFUND PROCESS AND NO REFUND HAS BEEN REQUESTED FROM SHELLPOINT AT ALL REFERENCE PROPERTY TAX # XXXX IN THE AMOUNT OF {$6000.00} ISSUED BY XXXX XXXX XXXX  XXXX IS THE COMPANY WHO SENT THE CHECK TO A TAX ACCOUNT THAT HAS BEEN PAID IN PULL SINCE XX/XX/2022. SHELLPOINT MORTGAGE HAS ALREADY SAID 2X SINCE XX/XX/2022 THEY REQUESTED FOR A REFUND. THEY ARE LYING 100 %. NO REFUND HAS BEEN REQUESTED AT ALL. YOU CAN CONTACT FOR YOURSELF AND PROVIDE MY TAX ACCOUNT AS WELL GO TO THE LINK AND TYPE IN THE REFUND ACCOUNT # AND THE STATUS SAYS NO REFUND CHECK ISSUED. SO WHY IS SHELLPOINT MORTGAGE LYING??????? AS WELL I HAVE BEEN PAYING INTEREST ON THAT {$6000.00} SINCE XX/XX/2022. INTEREST IS OWED TO MY ACCT.