23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I submitted a request from Macho & Johannes LLC at XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX and requested the balance on XXXX accounts that I am paying through a consumer credit counseling agency ( XXXX ). About three weeks ago I submitted this request and I have received no reply back. I am going to fax over the request today and I am providing you a copy of the letter below. 

XXXX XXXX 2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO. XXXX Toll Free : ( XXXX ) XXXX General Fax : ( XXXX ) XXXX XXXX XXXX XXXX. 
*********** XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX Account Balances : I sent an email about three weeks ago requesting the balance to the following accounts ; XXXX ; XXXX ; XXXX. I need to show my employer that I am making progress on these items. As you know I am XXXX and this affects my clearance and my job employment. 


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

ERROR CODE BLNK THAT NEEDS TOO BE FIXED BECAUSE I DONT SEE MY CREDIT REPORT
Product: Credit reporting or other personal consumer reports

I received an alert that I had a hard inquiry on my Equifax credit bureau on XX/XX/2024. I checked my report and it was listed as a hard inquiry from XXXX XXXX, who I have never done business with let alone request credit. I disputed with Equifax and they say the inquiry was valid. I reported as a victim of fraud on XX/XX/2024 and again was told it was legitimate. I reached out to XXXX XXXX and was told they have no record of any account in my name. No one is willing to help me resolve this inquiry that is impacting my credit. 
I have frozen all 3 bureaus to hopefully minimumize my exposure.
Product: Mortgage

RoundPoint Mortgage/ loan # XXXX Acct # XXXX I am filing this complaint because I believe that RoundPoint Mortgage is reporting me incorrectly to the XXXX credit bureaus as being over 120 days delinquent for over XXXX years. This is very incorrect! I have been over this and over this with XXXX, XXXX, XXXX, XXXX ( attorney in legal department ), XXXX and XXXX while this was all going on. Once I learned they were reporting me for being delinquent in XX/XX/XXXX, I called and spoke with XXXX and XXXX so many times I ca n't remember. The answer was always the same, " let me report this to my legal department and supervisors and get it taken care of ''. 

This account was bought from the original creditor XXXX where I had a good standing in the early part of the loan. The mortgage company was XXXX. RoundPoint serviced the loan for them after the aquisition. From the beginning, I had nothing but problems as the right hand was not with the left hand between XXXX and RoundPoint. Here is my story- Shortly after I moved into this new home that I built in XX/XX/XXXX, I started having problems with the foundation. Within a year, I had to move out because the movement of the foundation was so great, that it became unlivable. The builder and warranty company were not taking responsibility. They were sued by me. When I had to move out, the lender ( XXXX ) agree to put me in a loss mitigation status and actually pay for legal costs to sue the builder. XXXX put me in a forebearance/loss mitigation status while this was going on and they were paying the loan. I can tell you that the many times I called in to get information or update them with information, they could not find my file, or, it was in the hands of a new loan officer and they could not find information, or, I had to go over the information all over again, etc, etc. Finally, in XX/XX/XXXX, I decided to short sell the home and move on so that I could deal with the legal aspects on my own. This is when I learned that they had been reporting me negatively to the bureaus. I honestly do n't think they know what they are doing or if they do, they still do n't know what they are doing! This needs to be removed or corrected in the reporting procedures. I think it would be best to remove everything since I do n't think they know how to report it any other way. They sure did n't ever seem to know what was going on when it was right in front of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

To, whom it MAY concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate noncompliant, and false information about me. The following alleged accounts is listed as a collection with a PAST DUE BALANCEs. 

This is a violation of the FCRA and is also in Violation of requisite METRO 2 compliant reporting standards By the provisions of the Fair Credit Reporting ACT and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate compliant, and verifiable. I demand that the above mention derogatory items be investigated and permanently removed from my report. 

XXXX XXXX Reporting Balance : {$5300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$3500.00} XXXX XXXX Reporting Balance : {$8000.00} Please update my personal information accordingly ; thank you for your kind attention to this important matter. I patiently await your reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX XXXX XXXX XXXX the Accounts listed in this complaint, has violated my rights. 

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

15 U.S.C 1781 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Act Convergent the information provided below has violated my rights. 

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

15 U.S.C 1781 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

The accounts provided I requested several times for the credit bureaus to verify the information with these accounts for I did not recognize them. I only received letters simply stating account verified. However, I requested details of how they verified them and to whom they spoke with to verify. They have yet to provide this information that is required by law. Also, when I update my credit reports I can see that nothing has changed since my request. All the data is still the same and not even the same per bureau. My attorney suggested I file this complaint. 

Accounts : XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX ACCT # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concerns and frustration regarding the unsuccessful attempts to rectify fraudulent items on my credit report. Despite my multiple efforts to dispute and correct this information, it persists on my credit file, causing significant harm to my financial reputation. 

I have attached copies of my credit reports highlighting the specific fraudulent items, along with supporting documentation that clearly demonstrates the illegitimate nature of these entries. 

Second dispute filed, providing additional evidence and supporting documentation. 
Third dispute submitted, accompanied by a detailed letter explaining the fraudulent nature of the items. 
Follow-up communication to check the status of the disputes and request resolution. 
Despite these diligent efforts, the fraudulent items persist on my credit report, impacting my creditworthiness and causing undue stress. I am aware of the seriousness of identity theft and the potential consequences for both consumers and creditors. 

I kindly request that you conduct a thorough and expedited investigation into this matter and promptly remove the fraudulent items from my credit report. Additionally, I expect a written response within 30 days of receiving this complaint, outlining the steps taken to address and resolve the situation. 

If my concerns are not adequately addressed within the specified timeframe, I will be left with no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$2100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$25000.00}, {$9500.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$32000.00}, {$20000.00}, {$400.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

9. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account. 

10. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

Filed a claim for {$63.00} with chase bank on XX/XX/2016 Have called them every single day to fight with them tooth and nail jus to get a temporary credit to my account due to their system being very unreliable to work proficient and efficient! As someone who sacrificed everything for this country in the military, I should not have to come home and fight for my money that XXXX is holding as ransom and screwing up my financial matters!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX  credit card with XXXXXXXX XXXX and they reported that I have a 30-day late payment for the month of XXXX, 2022 on XXXX XXXX, 2022. I did not miss a payment nor was I late for the month of XXXX in 2022. I have had 100 % of on-time payments and this situation is very frustrating and severely hurting my credit. 

I called the company and was unable to resolve the issue via phone. They told me to write a letter to the credit bureau department and I did. I sent the letter certified and it was received by XXXX on XX/XX/XXXX. XXXX has yet to resolve the issue.
Product: Credit reporting or other personal consumer reports

The following companies did not had permission or authorization to request a copy of my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I demand the deletion of these inquiries from my XXXX report, they are unauthorized, unproven, none complaint and unverified inquires as required by law if unproved with an actual purpose that was not concluded by me. I will like a new copy of my credit report reflecting the deletions. Thank you for your time and attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning : My credit information was included in the recently disclosed ( XX/XX/XXXX 2017 ) Equifax security breach. I would like to place a security freeze on my credit file at the 3 major credit bureaus, but each charge a fee for this action. This action is wholly required due to Equifax 's failure to secure information, Equifax should cover all expenses incurred by consumers to protect their credit information for the rest of their lives.
Product: Credit reporting or other personal consumer reports

I am having a problem getting my free annual credit and consumer report from Chex Systems and XXXX XXXX XXXX. Full Name : XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX, Minnesota Drivers License Number : XXXX, Issued Date : XX/XX/XXXX, Expiration Date : XX/XX/XXXX, Email Address : XXXX, Phone Number : ( XXXX ) XXXX
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. I need proof of residence, ID, handwritten signature with third party, and proof that I owe this debt.
Product: Prepaid card

My complaint is against Rush card. I have not been able to access my money or use my card since XX/XX/XXXX. I 've made multiple phone calls, sent multiple emails, sent multiple messages on social media, and here it is XX/XX/XXXX, and I am still without my money. I 've been contacted by a representative XXXX time, and that was on XX/XX/XXXX, after I was advised to send a direct message on XXXX. The representative had no resolution for me and advised that she did not know when the issue would be resolved. You ca n't get any answers from anyone, meanwhile this has had a huge impact on my life. I have now had to pay a XXXX deposit to my electric provider because I could not pay my bill by the shut off date. Rush card is not providing any help to their customers, and these issues are not resolved as they say on social media.
Product: Credit card or prepaid card

I applied for credit card at Macy 's to purchase a sofa and it was denied. My credit score is very high with an rating XXXX with XXXX, XXXX with XXXX and XXXX with XXXX. I make XXXX figure salary and have low debts. Macy 's has denied my credit 3 times, 2 on XX/XX/XXXX and another one a few years ago. A few years ago my credit rating was not a strong so I thought that was the issue but obviously it is not that. I feel discriminated and insulted by Macy 's denial. I will not longer shop there but I do need to clear my name with Macy 's because I was very embarrassing yesterday. I had a credit card with Macy 's years ago and I have a copy when account was closed satisfactory if you like me to send you this, please let me know. I am a senior, XXXX woman asking for help.
Product: Credit card or prepaid card

I have attempted to file a dispute from a company that is refusing to let me use a service for a travel package that previously bought. The reason chase said that chase stayed was the train was due to timing. That means Im being penalized because the United state postal service is taking long to deliver mail which is unfair. They refuse to submit a new claim on the charge over the phone. The original charge was XX/XX/XXXX the dispute happened after I tried to reach out to the merchant in XX/XX/XXXX. They didnt receive my mail until XX/XX/XXXX when it was supposed to have reached there by XX/XX/XXXX even though I sent it before that date. The amount is XXXX. I literally sent them the email that states that Im not eligible for the resorts from the merchantbut they say thats not enough documentation the company isnt even in existinance anymore it was bought and its a different company that has different rules which further shows that I cant even get what I originally bought.
Product: Debt collection

I'm upset with Experian for brushing off my identity theft concerns and want them to reevaluate my case promptly. I've provided proof, and I expect a resolution without confusing explanations, along with the addition of a statement of continued dispute if necessary.
Product: Money transfers

I did set up funds withdrawal from my PayPal account to my bank account on XXXX XXXX, 2016. 
Money have not arrived by now, it is XXXX XXXX, 2016 today. It is more then 1 month now. I did XXXX transfers for {$15.00} XXXX and {$210.00} XXXX on XXXX XXXX, XXXX both transfers were lost. I contacted PayPal regarding this number of times but I still have not seen the funds at my bank account as well as they have not returned to my PayPal account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. I contacted the FTC and the police and Im doing this on my own behalf.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX I AM NOT DISPUTING THE DEBT. I TAKE FULL RESPONSIBILITY in the amount of {$3300.00} I am disputing the law practices and the way business was conducted in this case, I set up a payment with the law offices COOLING & WINTER, which is now XXXX XXXX XXXX. Back in 2023. I set the payments for the first of every month, and made sure it was on recurring payments for a {$100.00}. Which, I have a receipt for. 3 months ago to my surprise the account was delinquent. I made inquiries Through CapitalOne and the law of office, COOLING & WINTER and XXXX XXXX XXXX. I spoke with XXXX XXXX, at COOLING & WINTER that was over my case and she couldn't provide me with any information on the matter. XXXX XXXX, stated that she would look into the matter, but never did. because of the negligent actions it has caused financial hardship to me and my credit. XXXX XXXX XXXX ( XXXX )
Product: Mortgage

We have sent in loan modification request more than one time, they either can't find it, or they are too busy. The 10 day grace period has ended more than once, and this is not right. I have had to reapply multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

A notice was sent to these companies making alerting them I am aware of their fraudulent reporting. They were not given permission to report my information and therefore they are breaking the law according to 15 U.S. Code 1681b - Permissible purposes of consumer reports. I will move forward with proper measure for my consumer rights being violated
Product: Vehicle loan or lease

XXXX XXXX Ally Auto for XXXX to Retrieve Vehicle and Improper Credit Charge-Off** In 2022, my vehicle was towed while I was out of the country. I immediately contacted Ally Auto, with whom I had an active auto loan, to discuss the situation. Ally Auto and I came to an agreement that they would retrieve my vehicle from the tow lot on my behalf since I was out of the country and unable to do so. The understanding was that once the car was picked up by Ally Auto, I would pay the necessary fees to reclaim the vehicle. 

Despite this agreement, Ally Auto failed to retrieve my vehicle from the tow lot. Over the course of XXXX weeks, I called Ally Auto XXXX times per day, each time being assured by representatives that the vehicle would be retrieved. These calls are recorded, and the assurances I received are documented. However, despite their assurances, Ally Auto did not pick up the car, which ultimately resulted in the vehicle being sold by the tow company. 

To make matters worse, I continued to make my monthly payments to Ally Auto during this time, despite the ongoing issue. However, Ally Auto still proceeded to charge off the loan on my credit report, severely damaging my credit, even though they failed to fulfill the agreement we had in place to retrieve the vehicle. 

I believe this situation resulted from negligence on the part of Ally Auto, as I made every reasonable effort to work with them to resolve the situation. The failure to retrieve the vehicle despite numerous calls and documented assurances, along with the unjustified charge-off on my credit report, has caused me significant financial harm. 

**Desired Resolution : ** I am requesting the following from Ally Auto : 1. Immediate removal of the charge-off from my credit report. 
XXXX. Full compensation for any financial losses related to the sale of my vehicle, as a result of their failure to retrieve it from the tow company. 
XXXX. A formal acknowledgment of their failure to honor the agreement. 

I have attached all relevant documents, including my payment records, communications with Ally Auto, and a copy of my credit report showing the charge-off. 

Thank you for your attention to this matter. I look forward to your resolution.
Product: Credit reporting or other personal consumer reports

i have been trying to get these fraud accounts from my report for months and you guys never removed always say its verified these accounts Are not mine and its making it hard for my family i am a XXXX veteran wrongly accused if nothing changes my Congressman will be contacted remove these fraud accounts as by law require you to do so
Product: Debt collection

Unsolicited call from " debt collector '' Superlative RM, telephone XXXX XXXX XXXX. Company stated, " We are a debt collection company trying to collect an outstanding debt. '' Was requested to call XXXX XXXX XXXX referencing a case number. When I called, an automated answering machine indicated who they were, all agents were helping other customers, please wait on the line for the next available agent. The line was answered within one minute and the answerer immediately hung up. This happened successively three times. 

I have no outstanding debts and believe this company to be a scam. When I called the number the solicitation had originated from, XXXX XXXX XXXX, an automated machine answered in both XXXX and XXXX, " This number is no longer in service. '' How could this be since I had received a call from that number less than one half hour earlier? 

I am reporting this company to be a scam and request it be investigated.