23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In late XXXX I received a call from a woman who supposedly works for Carter - Young ( www.carter-young.com ) whom she said is a debt collection agency. She requested that I settle my debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX I do not owe XXXX XXXX any money. I have receipts where I pay my lease in full through XX/XX/2020 even though I completely moved out on XX/XX/XXXX due to COVID and graduation. XXXX XXXX would not inspect the apartment unit at the time due to XXXX. They required that I send pictures of every room and responded back to me that the unit was return in good shape. Exactly three years later this agency contacts me that I owe {$790.00} for XXXX and XXXX water and sewer fees and carpet replacement. Carter-Young offers to " negotiate '' the fees. I have tried repeatedly to reach out to XXXX XXXX  and they do not answer the phone nor respond to my emails. Carter-Young list their address as XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX XXXX XXXX Fax : ( XXXX ) XXXX. They also keep saying that they will remove this from my credit report, however : there is nothing on my credit report related to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had received an inquiry from XXXX  on equifax. I immediately called XXXX when I saw it and they had no record of me. And I did not apply with them. It was XX/XX/2021 .So I disputed it immediately..it still shows on my report and the dispute is still open with Equifax. XXXX in.
Product: Debt collection

I have attempted to reach AL financial company about to resolve these issues. They hang up on me and speak rudely. They are putting me at a disadvantage by closing out the debt and reopening under a different company, causing my debt to re-age. I have written letters to have item removed and they have ignored me beyond repair. I have tried everything I can to fix this issue as my credit is holding my children and myself back from bettering our lives. This was added into collections in 2016 and re added every year after making my clock be extended.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX  # XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX, 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 also please note that the account has the wrong name as well. please find original contract with these company to show the correct names on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke to XXXX and TransUnion about removing my fraud alert from my credit report and was told by both parties that I will have to write a letter and so I did and it's been over 30 days since that time that my fraud alert is still on my credit report. they refused to do anything and told me that I will have to write another letter which makes no sense. Please help me with this situation with them.
Product: Checking or savings account

On XX/XX/2023 Fifth Third Bank allowed XXXX fraudulently generated XXXX  to be cleared through my small business account. I immediately notified the branch of the XXXX showing up as cleared missing payee information and signatures. The branch XXXX claimed to have completed paperwork for investigation however XXXX weeks later I was informed that the request was improperly completed and never received. The branch XXXX has been repeatedly contacted and the funds remain unreimbursed.
Product: Money transfer, virtual currency, or money service

We sold our house. The Escrow agent mistakenly paid our taxes again. We complained and they got back half of the money, but said they couldn't get the other half of the money. No explanation. The total amount they paid was {$1500.00} and I got half of it back. 
We emailed back and forth for a couple of days about why no further action on their part. They still haven't responded with any intelligent reasons, only that XXXX XXXX XXXX Department won't return the second half of the money. No reason given.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX. blatantly disregards reported billing error, and continues to report inaccurate and fraudulent information to credit bureaus. Immediately remove such information from my credit bureaus. XXXX XXXX XXXX XXXXXXXX. blatantly refuses to validate the debt it claims I owe. If it can't validate debt it must remove incorrect and fraudulent information from credit bureaus.
Product: Debt collection

My name My name is XXXX and I am a victim of Identity Theft. The thief made various fraudulent transactions or opened a fraudulent account with HSBC Bank in my name. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( XXXX ), I am requesting that XXXX ( who say the own the account ) provide me copies of all business records relating to the the account identified above. This includes application records or screen prints of internet/phone applications, statements, invoices, and the full accounting history showing how the alleged amount was calculated.The federal law directs that they provide these documents at no charge, and without requiring a subpoena, within XXXX ( XXXX ) days of their receipt of this request. 

Additionally, I am writing to dispute certain information you have reported about me to the credit reporting agencies ( CRAs ). I have enclosed a copy of my FTC Identity Theft Affidavit and police report. Because the information they are reporting is the result of identity theft, and does not reflect my activities, I am requesting that they stop reporting this information to the CRAs pursuant to section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Please investigate this matter and delete the disputed account as soon as possible. Please send me a letter documenting the actions you have taken to absolve me of any responsibility for the information I am disputing, which resulted from the identity theft. 

Should they find the disputed information to be inaccurate or incomplete, or they can not verify the accuracy or completeness of the disputed information, they are additionally required, under FCRA 623 ( b ) ( 1 ) ( E ), to promptly notify the credit reporting agencies of deletion of this information from my credit file. 

Sincerely XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This is my Third written request for Method of Verification.

Your company has failed to provide me with this information that I requested in regards to the reporting status of an account. You continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB and FTC. As you are aware, per FCRA and the FCBA, that all creditors must be compliant and accurate when reporting information. 
You have failed to comply in a timely matter and continue to violate my rights. How can I be sure that your reporting status of this account is accurate? What Method was used to determine the account status? How did you determine the status of this account? When did your company verify this account and where did your company find its source of verification? Why do you blatantly continue to ignore my requests for this method of verification? 
I demand the following unverified accounts be provided physical verification or deleted immediately. Please Provide Method Of Verification. These unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 16921 XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXXXXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Checking or savings account

Im XXXX 2021 I received a Visa direct credit insurance claim payment on my Merrill edge XXXX account. It was approximately {$8700.00} I think I cant remember I dont have access to the account. I also made a cash deposit for I think {$750.00} that night In my Bank of America account and transferred those funds into my XXXX account at Merrill. These funds were to go towards replacing my car that had been deemed a total loss. I had just received them after a long XXXX week insurance claim. My plan was to get up in the next day or so and take those funds and purchase another car so that I could get back into my work pattern which had been severely hurt without a vehicle. The next day goes by and I logged into my account make America but it said that my XXXX account at Merrill was locked or blocked. I got on the phone with XXXX it took me about a little over an hour to speak with someone who told me that my account was locked because I just changed my address to my address that Im moving to this week and not to worry it will be unlocked the next day so Wednesday goes by and I get up Thursday and I called again and a gentleman tells me it looks like everythings fine its just some lock has not ibeen finalized. On XX/XX/XXXX I call into Merrill and was sent directly to Customer Service and ustomer service and the customer service I said all I needed was to take my identification into a branch and have a Merrill employee verify me since I just change my address. I went over there and the XXXX XXXX told me that I was not verified he got my information so everything should be fine that it was a password reset and finally discovered that my entire account was locked and that they were closing it and it was an unknown amount of time before they were going to hand me my funds. I havent had this account open for a month maybe six weeks. The funds that went into that account were obviously deposited from an insurance company it is the deposit even showed the claim number. My complaint today is the back office employees told the bank the branch employee that its an unknown amount of time before they close out the account so I am held her hostage by Merrill Lynch with money that Ive only had in there a couple up at all of a day and then they lead me all over the place with all these misconceptions of what was going on with my account being just locked or needed to be verified and the whole time theyre closing my account down. I literally spent XXXX hours on the phone and XXXX hours at a branch to find out they stole my money and were gon na get it back whenever they want to. So right now the money that I was using to buy a car this week has left me to rent a car and I cant rent I cant afford a rental car. I had to pay {$700.00} just this week for my rental car. So what I need is a Merrill Lynch to unlock my funds And I need a reimbursement for the rental car since I did not have my funds to go purchase my car
Product: Checking or savings account

Iam a customer of Santander bank. On the XXXX of each month the monthly HELOC payment is drawn from my checking account. This month the amount of {$620.00} was withdrawn a week early. I called the Help number and was informed that there was a general error that effected other customers and the payment will be reversed in 7-10 days.

I asked for the correction to be posted in 24 hours and was refused I asked for interest to be paid for the time the bank has use of my money and was refused I addition, on the XXXX of this month, in 3 days, the bank will again withdraw the monthly payment
Product: Payday loan, title loan, or personal loan

Today I tried to call this title loan company we have had an account with since 2015. I wanted to inquire as to why in XX/XX/XXXX I received a bill saying my pay off principle was XXXX $ and as of last Thursday he said it was over {$5000.00}. They did n't answer the phone it was sent to voicemail several times. I called a 6th time and the man that taped the voicemail greeting also answered. I asked him about the huge balance  difference. He said that bill was only sent to get me to call, I was shocked, that might have been criminal. He said they had a service company in CA ( Where we got our loan ) and he said they were transferring everything over to their Texas office and that he was sure it 'd be done by this afternoon. Turns out his address is at a XXXX store and he is n't answering his phone now. I just want my title back. I do n't know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name, Address, Phone Numbers are incorrect FCRA VIOLATION see attached documents XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, NY XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, NY XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, NY XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, LA XXXX SINGLE FAMILY ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
Account TypeCharge Card Balance {$1200.00} Date OpenedXXXX Recent Payment- Original Creditor- Details XXXX XXXX XXXX  XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$580.00} written off. {$580.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$580.00} Date XXXX Recent Payment- Original Creditor- Details XXXX XXXX  XXXX XXXX XXXX negative icon Potentially Negative StatusPaid, Closed. 
Account TypeAuto Loan Balance- Date OpenedXXXX Recent Payment- Original Creditor- Chapter XXXX bankruptcy dismissed Date Filed XX/XX/XXXX Date Resolved show tooltip XX/XX/XXXX Responsibility Joint Reference Number XXXX On Record Until XX/XX/XXXX Court Information Court XXXX XXXX XXXX  LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Phone Number -
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the individual companies as well as made complaints to the credit bureau directly to remove the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX These accounts show inaccurate information and still show a " balance due '' even though it should be zeroed out since they are closed accounts. They also have false information stating that these accounts were late when they were not. They are within violation of federal consumer law
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX of Central Mortgage Funding LLC ( XXXX  based ) gave false information in regards to the amount of refund that would be received in order to convince me not to back out of the loan. She poorly advised me to not make the current months payment that was becoming past due as refinance process took weeks longer than initially stated. I confirmed multiple times with her I did not need to make the payment. Because of her ill advice & the accruing interest on my current mortgage, the final payoff of my loan exceeded the original amount of the loan when I took loan out 15 months prior. When I pointed this out to her, this was when she stated that I would receive a refund of a certain dollar amount, and that we would be having a conference call with the original lender if that refund amount differed. She quoted me {$2700.00}, and I will be receiving {$300.00}. There was no conference call as she promised, and I have been unable to reach her since closing ; the day I confirmed refund amount and tried to contact her, she blocked my number.. Additionally, during the underwriting process, she advised me to falsely take out a second homeowners insurance policy that met the lower cost needed to satisfy underwriters, and told me I could just cancel the policy after closing ( wasting the time & resources of the insurance company who was providing the quote ). The insurance company advised that 25 % of the premium would be charged if I was to cancel the policy, so they were able to protect themselves ( and myself ) from being involved with XXXX XXXX unethical advice. I expressed concern over the plan when she suggested it, and she advised this is what I did when I refinanced my mortgage. Upon doing research I found that she has given this kind of false information to other clients in order to close a predatory refinance deal and satisfy the concerns of the client.
Product: Debt collection

Pursuant to 15 usc 1692 please provide me with proof that this debt is mine. Please keep in mind this is not a dispute I am just requesting validation.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding fraudulent information listed on my credit report under the account name " XXXX '' and account number " XXXX ''. Upon reviewing my credit report, I discovered that there is an account associated with someone named XXXX XXXX, whom I have no affiliation with or knowledge of. This erroneous information is severely affecting my ability to secure housing and obtain other financial opportunities. 

I demand that you take immediate action to remove this fraudulent account from my credit report. It is imperative that you rectify this situation promptly to prevent further damage to my financial standing. I have attached relevant documentation proving my identity and highlighting the discrepancy in the information provided. 

Furthermore, I would like to emphasize the urgency of this matter as it is directly impacting my ability to pursue my financial goals, particularly in securing housing. Therefore, I am setting a deadline of 14 days from the date of this letter for the removal of the fraudulent account from my credit report. Failure to comply with this timeline will result in me taking legal action against the credit bureaus for their failure to address this issue in a timely manner. 

Please be advised that I will hold you liable for any fees incurred as a result of seeking legal counsel and pursuing legal action. I expect a swift resolution to this matter and request confirmation of the removal of the fraudulent account from my credit report within 14 days of receipt of this letter. 

Thank you for your immediate attention to this matter. I look forward to a favorable resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX XXXX breach and XXXX have gotten into the wrong hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

Issues with Equifax 's reporting on XXXX : Account has too many inconsistencies which is being reported inaccurate. 
Unable to show method of verification for this company Does not provide sufficient information on this company Has NOT conducted a proper investigation per the last date of activity The ONLY reporting agency showing this company on my credit report while XXXX and XXXX is NOT reporting. 
Inaccurate information being reported.
Product: Debt collection

Target credit cards company called me 11 times in a two minute span of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act AMERICAN Express account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under as open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I got a notification from XXXX XXXX stating that I have a new inquiry on my report from XXXX XXXX XXXX and I called them to see why they running my report and they said someone tried to get a XXXX card in my name and I explained to them that it wasnt me because I already have two XXXX XXXXXXXX cards. On XX/XX/XXXX I was notified again that I had a new inquiry from XXXX so I called them and they told me that they didnt see a application for a credit card but I also explained to them that the inquiry was on my report and once again I didnt apply for any new cards.
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy. here is the item i am asking you to verify as accurate XXXX  account number XXXX date open XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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, has violated my rights. 

15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any 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 USC 1681s2- ( 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.