23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

inquiries that i didnt initiate are on my report and TU is n't removing and stated i need to refer to creditors. i have and was referred back to them and told that it stays for 2yrs. it should be deleted as other bureaus have done. If i never called these creditors and asked for the inquiries i shouldnt have to call and go back and forth between companies for a removal. TU has sent me back and forth needlessly. my dispute should n't have to take all year to complete nor even a week.
Product: Credit card or prepaid card

On XX/XX/2021, my credit card was used around XXXX XXXX and I reported to Bank of America about the fraud. The amount was {$42.00}. Bank of America refunded the amount at first, then the bank charged me 2 times for taking back the amount, which is {$84.00}. I have called the bank several times to request for help to clear the charges as I did not use my credit card for XXXX  *XXXX XXXX onXX/XX/XXXX. My issues have not resolved.
Product: Debt collection

Threats from Global Solutions Biz keep coming in non stop at my business. I have sent in repeated communications both verbally and via email. I have told the employees they are fraudulently trying to collect on a debt. The threats still keep coming. This person has also called my place of business anonymously using vulgar language towards me. My employees and other people at my business are scared. This person is also emailing from a personal gmail account. This has SCAM written all over it. 

See below two emails : Thanks for the update. I'll reach XXXX here a little later. 

On Tue, XX/XX/2022 at XXXX XXXX XXXX wrote : XXXX XXXX XXXX, I have asked you to stop harassing my business. XXXX XXXX was, nor has EVER been authorized to solicit any loan, funds, or anything else. If you move forward with any such lien, you and your company will be reported to the attorney general for fraud. I see your company has been already prosecuted many times for such fraud cases against businesses and consumers. If you need to communicate with me professionally instead of calling my company anonymously and cussing at me which constitutes threats against my company and employees, you and your company will be reported to federal law enforcement. All calls in to my business are recorded. Do NOT contact my company, myself, or any such employees ever again. I am, and have been 100 % owner of the company, and the only one authorized to make any such decisions which I have never authorized ANY financial LOAN. I told your company this NUMEROUS times. I have also asked for the proof. You company has never provided any such records. If you do need to communicate with me for any such reason, the mailing address is below. DO NOT RESPOND OR SEND US ANYMORE COMMUNICATIONS ( including phone ) UNLESS BY SENDING TO MAILING ADDRESS BELOW. 

XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX Managing Director -- XXXX XXXX Lien Enforcement Department Global Solution Biz LLC . 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Georgia XXXX -- -- -- -- Original Message -- -- -- -- Subject : XXXX XXXX Enforcement XXXX Date : XXXX XXXXXXXX XXXX  From : XXXX XXXX XXXX To : XXXX, XXXX XXXX, we are sending out a Quick Track Enforcement team to your business and home address to gather an organized list of assets. This is needed to initiate the process of monetizing the assets you pledged under your security agreement. Please reach out to me to schedule a time. If no time is scheduled they will arrive unannounced. Also, today I initiated the process of freezing and attaching your bank accounts per Article 9 of the Uniform Commercial Code. Thanks in advance, -- XXXX XXXX Lien Enforcement Department Global Solution Biz LLC . 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Georgia XXXX
Product: Debt collection

XXXX XXXX XXXX is reporting a debt owed on my credit reports, however I have never had an dealing with them and do not owe them money. I have tried contacting with no response. I have not received any written communication. I want this removed from my credit report immediately. they have no business with me, and I refuse to deal with them any further. 

XXXX XXXX
Product: Mortgage

I am writing a c omplaint regarding how AmeriHome Mortgage has been handling my escrow account. I can not    get a straight answer if they HAVE or HAVE NOT paid my property taxes. I have made numerous attempts to get this resolved, now I am behind on my property taxes and I do n't know whether I am current or not. AmeriHome Mortgage advised me I am current and i 'll get a check back, however the city and county says otherwise.
<P/>
Please I need your help.
<P/>
Date : 2016 Amount : tax owed {$5600  .00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Eastern Account Systems actively pursuing that two accounts are for regular debt when they are Medical Debt incurred for scans while at XXXX XXXX XXXX hospital. They have refused to mark as such and continue to have it on my credit report properly. The company listed as the original debtor says XXXX XXXX and was incurred at XXXX XXXX 's hospital. XXXX XXXX 's even informed me that it was paid off by donations. They have also contacted me several times with spoofed phone numbers, multiple times a day on a work phone and mobile.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute Regarding Unlawful Negative Items on Credit Report I am writing to formally dispute the negative items that have been placed on my credit report by Experian, which I believe were reported unlawfully and without my consent or a written agreement. 

Upon reviewing my credit report, I noticed several negative entries that I do not recognize and were not authorized by me. These entries have had a detrimental impact on my credit score and overall financial standing, which I believe is both unfair and in violation of the Fair Credit Reporting Act ( FCRA ).

I am requesting an investigation into these items and a thorough review of the documentation that Experian has regarding these entries. Specifically, I seek to understand how these negative reports were generated and to confirm that proper authorization was obtained prior to their placement on my credit report.

Under the FCRA, 15 U.S.C. 1681I have the right to dispute this inaccurate or incomplete information on my credit report. I have taken the necessary steps to contact Experian directly regarding this matter but have not received a satisfactory resolution. Therefore, I am reaching out to the CFPB to assist in rectifying this issue. 15 U.S.C. 1681 Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested Equifax remove fraudulent inquires from my credit report, but inquires are still on my report.
Product: Checking or savings account

Bank of America has closed my account and have been holding my funds for over 30 days. I contacted the bank and asked for a eta for receiving a cashier check and they can not provide me any details.
Product: Credit reporting

They do not update my information/have incorrect information on me and I can not correct it, I can not log in due to the security questions not being correct
Product: Mortgage

After my husband ( a veteran ) passed away in XXXX Several times over the last 12 plus years I have tried repeatedly to work with Chase Mortgage to modify my mortgage that has a current interest rate of 7.50 % and that interest rate has never changed since the inception of the mortgage. The last time being in XXXX XXXX. I sent in all the require paperwork 3 separate times and each time I was told by Chase that the paperwork had never been received by them. I sent the paperwork again and was told they were working on the modification. In the mean time, I requested a pay off of the loan and also the amount to bring the loan current. Chase was to have sent the requested information via email. Well, they sent something on XXXX XXXX, XXXX, however, the document was password protected and the password was not made available to me. I requested the information over and over and never got a response. Moving forward. While still trying to obtain a modification, an amount to bring the account current and a pay off so I could refinance somewhere else, Chase decided to foreclose on my property. Unable to get the dollar figure to bring the account current, after many phone calls to Chase and the attorney XXXX XXXX XXXX in XXXX, TX a reinstate figure of {$26000.00} was available in the form of a cashiers check prior to the foreclosure sale and made available to the Trustee and yet my property was sold. I tried to prevent the sale and cure the loan under instructions by Chase employees. The conversations were denied by Chase until the recording of the call was found. I have a large equity in the property and I have lived here for 18+ years. I tried, to no avail to contact Chase and Attorneys as well as the attorney who is now trying to evict me from my home. The REO is now offering CASH FOR KEY in the amount of {$1500.00}. I have also contacted VA and they too have contacted Chase with no response. VA has now advised me to submit a complaint so maybe we can get some answers here. I have attached several documents to better explain my situation.
Product: Debt collection

I recently learned of two judgement 's against me that I was unaware of. To my knowledge I did not receive a subpoena from this company or anyone on their behalf. I do not know how they could win a judgement when I was not given an opportunity to defend myself. I have many questions, including - proof of the debt -proof of the age of debt, etc. The company is XXXX XXXX XXXX. 

Thank you for your assistance in this regard.
Product: Checking or savings account

On XX/XX/ : XXXX transactions of XXXX made on XXXX XXXX XXXX XXXX transaction of XXXX made to XXXX llc. 
On XX/XX/ spoke with fraud department canceled debit card. 
On XXXX spoke with customer service at Bank and was told there was nobody there that could assist they would email the dispute. I have yet to receive an email.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( XXXX, XXXX, Equifix ) and I noticed some late payments posted on my consumer report.This company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment.. 

Account Information XXXX. XXXX XXXX XXXX XXXX. Acct # XXXX XXXX. Date Opened XX/XX/XXXX XXXX. Months showing XXXX XX/XX/XXXX & XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$4100.00}
Product: Debt collection

A collection was placed on my credit report from Radius Global Solutions with the original creditor being XXXX. - I have never opened an account with this company and have no knowledge of what this is. I believe this has been put on my credit report oe mistake or fraud. I have excellent credit and monitor it daily - This is not my account nor my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX opened a fraudulent account in my name with my social security number without validating my address or calling me. Someone fraudulently purchased a motorcycle in the other side of the country, and despite furnishing a police report, XXXX XXXX XXXX has done nothing to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I learned that I have an account with Bank of America with a balance of XXXX. 
On the night of XXXX I called Bank of America only to discovered that I was an authorized user to that account that owe the money. I was only XXXX XXXX XXXX when that account was closed, according to BOA m. Bank of America check and made sure that under my name and social security number there werent any account and they were able to remove me as an authorized user from the account that night. 

My issue is that XXXX will not remove the account with balance from my credit report because I cant provide them with any proof. I cant get Bank of America to send them a proof because I dont have account with them. 

Please help me, I wont be able to get a mortgage with this on my credit report. 

Please reach out to me if you need any further information. 

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

XX/XX/2023, Dear : whomever who is reading this I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer. As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard.

Furthermore on this hard inquiry should be removed immediately per 15 USC 1602P.
( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 


Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter. Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filling a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) -B, as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX XXXX ) against them for similar violations. i request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX XXXX Accounnt Number XXXX XXXX XXXX XXXX Accounnt Number XXXX XXXX Accounnt Number XXXX
Product: Consumer Loan

I purchased a car in XXXX, which was financed with Flagship. When my first payment was due I established a user name and password on their website to process my payment. I processed the first 4 payments online without any issue. Then sometime after that I missed my payment by 5 days, which I requested to have my payment changed to the last day of the month, as that is when I get paid, and Flagship informed me that it is their policy to not accept any payments between the XXXX and XXXX, as I tried to login to make a payment I received a message that my login for online banking did not exist and I needed to call customer service. I called customer service and was informed that customers that are 1 day late are locked out and have to call customer service to make a payment. The caveat to making a payment with customer service, is you have to pay a {$10.00} processing fee. Now I realize I was late, however, most banks do give some type of grace period and even if there is a late fee you are not locked out of online payments. Recently Flagship changed the way they allow you to process payments. Now you have to login through the XXXX portal ( one option anyway ) and pay {$2.00} to process any payment. You no longer can just login and make a payment online with out some type of processing fee. It seems unfair that Flagship charges a fee regardless if your payment is on time to use they online system and if you call to make a payment, you no longer have to pay {$10.00}, but you have to pay the {$2.00}. If you elect to have reoccurring payments automatically out of your account there is no processing fee. So basically unless you sign up for reoccurring payments, you pay a fee to make a payment. 

Is it legal for Flagship to lockdown the XXXX - XXXX ( XXXX ) for payments? 
Is it legal or fair for Flagship to charge a fee for online and telephone payments? 
Is it legal or fair for Flagship to lockdown access to online payment processing when you are one day past due? 
Was it fair for Flagship to remove the option of making an online payment without having to pay any fee? 
I would like Flagship 's policies and procedures and reviewed for appropriateness. I feel this is unfair and deceptive acts and taking advantage of consumers with less than perfect credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX  account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 US C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions Account name : Open Sky
Product: Checking or savings account

I bank with Schwab so I rely on brick and mortar banks to withdraw cash. On XX/XX/2023 around XXXX, I withdrew money from the XXXX XXXX drive-through ATM located at XXXX XXXX  XXXX XXXX, XXXX XXXX, NV XXXX. I selected {$250.00} to withdraw but only received {$200.00} with no receipt. I drove my car around to the front and parked. I first opened my Schwab account to confirm the amount withdrawn. It said {$250.00} ( the {$250.00} + {$3.00} ATM fee ). Then I went inside to report what happened to a human. I waited in line for XXXX minutes, then spoke to a teller and his colleague who asked me a few questions then provided me a business card. I was told ATMs are handled by a third party, so there is nothing anybody in the bank could do to help, and that I need to report it to that number. At XXXX, I went to my car and called the number on the card. I was told that I need to dispute this with my own bank as they couldn't do anything to help me since I'm not a XXXX XXXX customer. At XXXX, I called Schwab and opened a dispute claim. On Wednesday, XX/XX/XXXX, I was notified that the investigation was completed and denied. XXXX XXXX provided a paper copy of their records that the correct amount was distributed. I called Schwab at XXXX to follow-up, asking if they are able to ask for video evidence, as that would prove the full amount was not dispensed. I was told I need to talk to XXXX XXXX as Schwab will not re-open the case without additional evidence. I called XXXX XXXX at XXXX. I was told again and again that they can not help me unless I am either ( a ) a XXXX XXXX customer; or ( b ) the bank. I was told I need to talk to my own bank for any further action. I called Schwab again at XXXX and explained that XXXX XXXX is not willing to work with me since I'm not a customer, but would work with the bank. I asked if they are able to ask XXXX XXXX for the video, as I have the exact date, time, and location of the ATM withdrawal. The Schwab agent told me again that the case will not re-open without additional evidence from myself. I filed a CFPB complaint against XXXX XXXX on XX/XX/XXXX, and again on XX/XX/XXXX due to their failure in addressing my ask.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I noticed a credit inquiry on my credit report by Credco. I wrote to the company telling them that I had not authorized any inquiries with their company and that they should please validate this inquiry by sending me the completed credit application with my signature on it. If they were not able to validate this inquiry, as per Fair Trading Reporting Act, they should remove it. They then informed me that that they could not find an application for me and that they wanted me to validate the inquiry for them. So far they have not sent me this credit application and they have not removed the inquiry form my report. Instead they are asking me to validate the inquiry by sending them a copy of my credit report, even though the letter that I sent them already had my credit report included in it along with my date of birth and social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Equifax Information Services, LLC XXXX. XXXX XXXX XXXX, GA XXXX Dear Equifax, I have contacted you via phone and certified mail numerous times in regard to this issue that has remained unresolved. There are two inaccurate late payments reflecting on my Equifax credit report : 1 : XXXX XXXX Account # : Ending in XXXX Date : XX/XX/XXXX 2. XXXX XXXX XXXX Account # : XXXX Date : XX/XX/XXXX I have provided you with documents from both XXXX XXXX as well as XXXX XXXX XXXX and the errors continue to remain reporting inaccurately on my Credit Report. I have sent these exact documents to XXXX and XXXX and they were able to update my file almost immediately. As I am aware that you have full access to my credit file, you will see that I have never made a payment late ever in my life. My credit is extremely important to me and I make it a point to ensure I stay on top of my credit file. I understand mistakes do occur, but this should have been corrected months ago. According to the Fair Credit Reporting Act section 623 ( a ) ( 3 ), you are required to investigate claims of inaccurate information, and when information is proven to be inaccurate, correct the mistake. I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have had well over 30 days to complete this investigation, and I am keeping careful record of your actions. My next step will be filing a complaint with the FTC. Failure to respond satisfactorily will result in a small claims action against your company. 

Thank you for your time and help in this matter.