23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I reviewed my credit report in XX/XX/XXXX and noticed there was an unfamiliar item listed. I submitted a dispute with the credit bureaus and reached out to the collection company by mail and requested the information be removed due to identity theft. I have never lived in XXXX nor do I have any affiliation in the area. I submitted an identity theft report, police report, proof of residency, utility bills dating back to before the alleged lease took place and a notarized letter from my current property owner ( whom of which I have resided since XXXX ) proving this debt is not mine and I am a victim. I received a response on XX/XX/XXXX, saying the collection would not be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act 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 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
Product: Credit card

I am disputing an unauthorized transaction on my Bank of America credit card for a XXXX XXXX ticket. The transaction was made using my lost card information by someone else. I provided detailed evidence to Bank of America, including : 1. Proof that the card was not physically present during the transaction.

2. Records showing the individual was male, while I am female.

3. Documentation proving I was in XXXX XXXX during the alleged travel period, including my work timecards and paycheck. 

Despite this, Bank of America denied my claim. This was not my transaction, and I am seeking assistance in resolving this matter and obtaining a refund.
Product: Credit reporting or other personal consumer reports

I previously submitted this dispute and was advised items were removed, however I am showing XXXX still remain and the follow XXXX items have appeared without my knowledge. I am extremely disappointed that this was not completely resolved. I feel my only option is to seek legal counsel. Please advise once the following is removed. Thank you Accounts; XXXX  / XXXX / XX/XX/XXXX XXXX XXXX XXXX / XXXX / XX/XX/XXXX Please Remove all phones numbers off of my credit report INQUIRIES : XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters over 120 days ago to this this bureau ( XXXX  XXXX XXXX XXXX XXXX ) and the Collection Agency ( XXXX XXXX XXXX XXXX ) and they are disregarding a regular consumers disputes.

I am very stressed and have been sending letters prior to this and have yet to receive a response.

This has consistently severely impacted my credit report and hindered my familys progress during this global COVID Pandemic.

Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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
Product: Credit reporting

A dispute was filed but the issue was addressed XXXX XXXX 2016. A company XXXX reported the account paid in full and the account was closed. A XXXX XXXX with Equifax stated that thye company XXXX did not submit the updated information. I explained that I spoke to XXXX before calling Equifax and it was stated to me that all the credit bureau 's. XXXX XXXX again stated that no updated information was submitted to them. The account was paid off XXXX XXXX 2016 ; the letter was forwarded to me from XXXX XXXX XXXX 2016 ; and I spoke with XXXX XXXX XXXX 2016 before I call Equifax and XXXX told me the same thing '' We report to all XXXX credit bureau 's. '' Equifax failed to of chose not to make the changes to my credit report. And XXXX XXXX indirectly confirmed that. because the other XXXX bureau 's made the changes ... Equifax chose not to. This needs to be corrected now not in 30 days or 45 days. It should be addressed NOW.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>2024 I saw that my credit score had decreased by XXXX  points on my credit report it did not give an example on my online banking as to why and I tried to many times get to the company responsible so that I could find my credit report instead I was locked out and I was given poor customer service by the people at transunion and it made me frustrated and upset I said some things but I didn't mean them but either way I did not get my credit report and I was begrudgingly forced to seek council legally just to get an idea of why they may have dropped my score when I was at a XXXX  and now it's XXXX  this is upsetting as I need this credit score to be high enough and have paid my bills on time always paid my debt 's and done everything I can to make sure it's has a good score I hope you can tell them that I am very upset with them and will be calling as many credit agencies as I can thank you! I also was not able to get anything out of XXXX XXXX XXXX bank as to why but it was not their fault I believe but the issuing credit agencies and their TransUnion credit I am sorry to slander such a company like this and do not mean anything by it I'm sure others have had better experiences I would not recommend using this service but these are my own opinions and they are too relatively put the concerns of bad service and not respectively slander the company in such a way that it would do bad business but that it would be enlightened to allow it to change practices to serve all of their wonderful customers
Product: Money transfer, virtual currency, or money service

I deposited a check via mobile app and it reversed and is showing an administrative hold for a very long time. This is a reg cc violation and I will pursue punitive damages. 

The check needs to clear on the next business day like it always does. Nobody will tell me why there is a hold and I can not /will not wait that long for the check to be cleared into my account. It is a check from a XXXX XXXX XXXX account that currently has a positive balance in the millions and has been verified Therefore XXXX morning I expect to see my deposited check reflecting on my balance
Product: Mortgage

I began the process to cash out refinance using XXXX XXXX and decided upon Amerisave. The process began on XX/XX/XXXX with an immediate hard credit pull. I agreed to proceed with Amerisave ( instead of 1 other company ) because they promised a rate of 2.625.  I completed the disclosures and paid {$520.00} for an appraisal. The appraisal was completed and report received XX/XX/XXXX. I unexpectedly received a new disclosure statement with a change in rate to 2.25 but still floating. Prior to the appraisal, I asked why the rate was still floating. I was informed by loan officer XXXX XXXX XXXX ID # XXXX XXXX that the rate would lock in after the appraisal. I have provided all information as requested to the loan officer in a timely matter but as of XX/XX/XXXX, there has been no movement on the application and no loan processor assigned. I last provided requested employer information as they indicated it was a time sensitive request on XX/XX/XXXX which was provided several times both in my application as paycheck stubs and direct HR contact information. My last callback received was on XXXX. Since then I have inquired several times and the company has now stopped all communication. There has also been no change in status on the online platform. My last email from XXXX was received on XXXX XXXX. This was the first email received in weeks and was a response to my emails informing them of my change in availability. I was merely instructed to forward my email to XXXX XXXX, his manager. I have called and left voicemails for both the loan officer and his supervisor, XXXX XXXX. I have also emailed several times explaining that my XXXX XXXX status affects my availability for this application to extend beyond 90 days as I will be needed to close in-person once finalized and I may not be locally available to do so. As an XXXX XXXX XXXX who has responded to the pandemic, this company and their lack of responses are causing undue stress. I feel as if I have wasted my time and money including a hit to my credit report interacting with this company ; time and money I could have spent with another, more responsive company. I now feel as if I am in limbo and am left with no recourse other than a hit to my credit report ( and another hit should this application be canceled and I am then forced to start over with another company ) and wasted time. For the record, this is the second company to waste my time during COVID on a fake refinance. I was solicited by XXXX XXXX ( my current lender ) while on XXXX and due to their inability to  communicate or stick to set closing dates, I was forced to withdraw my application. This will be a total of 5 months of time wasted with these lenders. Something must be done. Please help.
Product: Credit reporting or other personal consumer reports

LETTER OF INTENT TO SUE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To whom it may concern ; This Letter of Intent to Sue shall serve as a formal notice that I, XXXX XXXX, Affiant and BENEFICIARY intend to commence a lawsuit against you and your agency if you do not comply with the settlement demands set out in this letter. 

I recently received a copy of my ( XXXX, Equifax, and XXXX XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I hereby under 5 USC 552a request a copy of the written instructions which I furnish these statements of account on my credit report. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusion from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -- Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experience between the consumer and the person making the report : I demand the above accounts be corrected by way of deletion of the reported late payments from my consumer report and bring the current by reflecting accurately and positively, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my credit report after the changes have been made will result in legal actions being taken against your company, for which i shall also be seeking {$1000.00} per violation for in reference to the following matter ( s ) : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692 violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616 Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX I landed in XXXX, F 17 lorida on XX/XX/XXXX. The purpose of my trip was to assist my sister who has XXXX  to find a place where she could get the help she needs. She was in rehab in XXXX, Florida. I was staying at her apartment on XXXX XXXX. On the way to her apartment the friend who gave me a ride and I stopped at XXXX XXXX  in XXXX XXXX. I paid for the dinner with my Iberia Bank Visa credit card. 
I was surprised when I received the Iberia Bank Visa statement that indicated a charge of {$210.00} at XXXX in XXXX XXXX XXXX on XX/XX/XXXX when I wasnt at the Mall. 
The signature on the sales slip was not my signature. In fact it was just a couple of what may have been letters and a long squiggly line. 
Twice I faxed copies of my explanation to the fax numbers they gave me over the phone, but have not received any word back. When I call Im told the disposition of the case does not show up on the screen. 
My contact has been Case Number : XXXX Dispute Resolution Department XXXX XXXX XXXXXXXX XXXX GA XXXX Phone XXXX
Product: Credit card or prepaid card

On XX/XX/2021 I booked a room at the XXXX XXXX XXXXXXXX XXXX in XXXX, PA using XXXX - order number : XXXX. When I arrived at the hotel I discovered that it was sold out. The lady at the desk said the reservation would be cancelled and I'd be refunded the money. I went back onto XXXX to try to cancel and got the message that it was too late to cancel - I didn't give them enough notice. I'd only booked the room 30 minutes before arriving at the hotel, so I don't know how I could have given them more notice. I disputed the charge with my credit card company- Chase- and just received a letter from them stating that they contacted XXXX and were told that the charges were valid, because I didn't follow their cancellation policy. So, I booked a room and arrived at the hotel 30 minutes later to find the hotel was sold out but I was still charged {$150.00} for a room that was not available. I'm being charged because I didn't follow their cancellation policy, even though I wasn't able to cancel the reservation because of their policy, even though the woman at the front desk told me they would take care of cancelling the reservation with XXXX. 

Really? I'm being charged for a room that wasn't available? This is nonsense.
Product: Bank account or service

We have experienced an issue with someone having obtained and used our social security numbers to open bank accounts and apply for credit cards. Accordingly, we have filed a police report and notified the credit agencies and initiated fraud alerts. Most creditors have acknowledged the fraud alerts and contacted us before any charges could be made and promptly closed the accounts, or ceased processing. Unfortunately, Fifth Third Bank seems to be the most lax in verifying identities and resolving disputes. They had allowed a checking account to be opened with a token balance and immediate overdraft without contacting us and now seemingly have approved another account ( XXXX ) in our name that we did not apply for. Their fraud department is very difficult to deal with and we find it very troubling that they would allow a second account to be processed after the first event where a checking account was fraudulently opened for {$63.00} and they gave the imposter XXXX initial blank check which they promptly used to overdraw that account. We were able to close out that checking account weeks ago and received verification from Fifth Third just about XXXX days ago that it was investigated and resolved and that we had no liability. However, today we received yet another notice from Fifth Third of a XXXX Account opening and notice of change of home phone number, which again was done fraudulently and with out notice despite having experienced the prior fraud issue. We believe that Fifth Third is not doing their job in verifying identity as required by Federal law and are not being cooperative in preventing the opening of fraudulent accounts or resolving those disputes effectively. After experiencing their weak efforts and response to our identity theft issue I would never voluntarily deal with them for any banking services and would recommend others to think twice before doing so as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report was pulled without my consent with this company and I requested for it to be removed. I know I dont recall authorizing this inquiry and I do understand that they shouldnt be allowed to put an inquiry on my file unless I authorize it. This is infact causing damage to my credit. I didnt sign anything giving them any permission to pull my credit nor did they tell me they were going to pull my credit and nor did I authorize them to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several unauthorized credit inquiries on my credit report. I have asked several times to have them removed and the response I have gotten was a standard " they will be removed once it has been 2 years '' They are not authorized and I want them removed from my report. the following inquiries were not authorized : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX inquiries )
Product: Debt collection

I sent a letter asking to reinvestigate the accounts listed below I looked at my credit report for XX/XX/year> and noticed some things are incomplete and not accurate according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
Jefferson Capital System # XXXX {$7600.00} open dates are not reporting correctly, the date last active, date of last payment is not correct, wrong spelling of my name, charger offs, incomplete account numbers, inaccurate information, closed account. 
Jefferson Capital System XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX | ( XXXX ) XXXX Can you look into this matter?
Product: Money transfer, virtual currency, or money service

I'm reaching out to you today to seek your assistance with an ongoing issue that has arisen since my mortgage was transferred from Home Point Financial to Mr. Cooper on XX/XX/2023. 

Prior to the transfer, I had an open insurance claim, and I had mailed a check for a little over {$8000.00} from XXXX XXXX to Home Point. Since the mortgage company also needed to endorse the check, Home Point XXXX-ed the check to Mr. Cooper. However, the situation took an unexpected turn, and I am now facing an unacceptable delay in receiving these insurance claim funds. 

For over two weeks in early XXXX, Mr. Cooper informed me that they had not received the check. To resolve this issue, I contacted Home Point to obtain the XXXX tracking number. I learned that the check had been signed for on XX/XX/XXXX. When I provided this information to Mr. Cooper, they seemed confused, questioned the address it was sent to, and even claimed not to have an office in the state to which it was addressed ( South Carolina ). 

Subsequently, I contacted XXXX XXXX to request a stop order on the check, but it had already been cleared. XXXX XXXX confirmed that the check was, in fact, endorsed by Mr. Cooper and included an account number. When I conveyed this to Mr. Cooper, they initially denied having my money, despite the evidence that they had endorsed and deposited the check, which was now residing in a specific account. 

After some back and forth, Mr. Cooper acknowledged that their mortgage division is indeed located in South Carolina and the check was received there. They assured me that they would request an internal transfer from that division to the loss draft division, estimating that it would take 3-5 business days for the funds to be available for the insurance claim. That was on XX/XX/XXXX. However, as of XX/XX/XXXX, the money still had not transferred. I called Mr. Cooper once again, and they informed me that the transfer was still pending, but they were uncertain as to why. 

I contacted Mr. Cooper again on XX/XX/XXXX, only to be told that the transfer was still pending. I emphasized that transferring funds within the same company should not be an arduous process. 

The ongoing delay in releasing my funds has raised concerns that extend beyond a simple administrative error. There seems to be a significant delay, and I'm left with the impression that there may be more at play than meets the eye. It's my hope that the funds are not being intentionally held for an extended period and being pooled to earn interest while Mr. Cooper provides excuses and stalls the release of funds. This not only causes undue financial hardship but also raises ethical concerns. 

I kindly request your assistance in addressing this matter and thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Is it any proof of written consent as a consumer have the right to privacy the option to opt out 15 USC 1681 a 15 USC 1681B after disputing with a few companies experience still chose to furnace and share misinformation I would like all hard inquiries on the account removed immediately, and would like to know if the company has been following all of the fair credit reporting laws and regulation codes and if not, please remove all negative accounts & closed accounts immediately..