23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report. I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means. Collection agency has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). Please investigate this matter and Delete this inaccurate account
Product: Mortgage

I am filing this complaint as the Representative of the Estate of my mother. She obtained a mortgage loan in XXXX XXXX with XXXX XXXX in the amount of {$160000.00} for her home. 
She fell behind on a few payments and requested a loan modification. According to questionable documents, the loan was modified in XXXX for {$200000.00} which is excessively more than the original note. Also the signature was questionable on the loan modification which lead me to have an expert forensic examiner exam the signatures. He concluded that my mother most likely did not sign the modification although it was notarized. I do not dispute that my mother agreed to some type of modification at some point but I strongly disagree that it was for the amount of {$200.00}, XXXX. Also the modification was signed XX/XX/XXXX. My mother XXXXXX/XX/XXXX I visited the notary. Although she could not remember my mother specifically she was 100 % sure that she did not visit anyone in the hospital to notarize a document. I can prove that my mother was in the XXXX XXXX on XXXX XXXX, XXXX and was not XXXX enough to sign the modification. 

The loan was sold multiple times. After my mother XXXX in XXXX, we made an attempt to refinance the loan with XXXX XXXX XXXX. After they produced the payoff amount, we disputed this amount. After no real answer from XXXX XXXX XXXX my father stopped making payments. XXXX XXXX XXXX attempted to foreclose but the foreclosure was dismissed when I requested an accounting record for the discrepancy of the loan amount. XXXX XXXX XXXX sold this loan to another investor. 

At this present time, the loan is owned by XXXX XXXX  XXXX, as Trustee for XXXX XXXX XXXX XXXX XXXX which hired an attorney to foreclose on an outstanding balance of now approximately {$330000.00}. The Loan is serviced by XXXX XXXX XXXX. I have requested an accounting record of the loan modification from the attorney at Brock and Scott in XXXX SC but no record was produced. My father would like to keep this home but feels that the bank has committed fraudulent deeds and sold this note to this new Lender that has no real answers as why the loan increased. 

The foreclosure sale is scheduled for XXXX XXXX, XXXX. I realize that this very last minute but we just were not sure what else could be done. We spoke with XXXX XXXX XXXX and the attorney suggested that we file a formal complaint. 

I will upload the, original loan docs, modification documents as well as the expert forensic examination results.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX account number # XXXX, XXXX XXXX  account number XXXX XXXX XXXX account number XXXX, XXXX account numbers XXXX XXXX account number XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX  XXXX account number XXXX, XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A states i have the right to privacy.

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

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

After checking my credit notices that a company CCM Finance was reporting a repossession on a vehicle that I never purchased further investigation led me to know that this is a buy here pay your dealership the address that was Used XXXX XXXX XXXX is an abandoned home and I never lived there The loan amount went from XXXX then to XXXX I dont understand change in this nor did I ever authorize such a transaction. Also, there is also loan from XXXXXXXX XXXX XXXXor a vehicle that I never purchased or owned also a credit card from XXXX XXXX but {$190.00} balance that I never obtained. Someone added my name as an authorized user without my authorization.
Product: Debt collection

I keep receiving multiple calls a week from different numbers at AAA collections in XXXX XXXX South Dakota. The caller won't answer and is silent then hangs up.
Product: Credit card

American Express has to be breaking the law at this point or be in violation of the FDCPA or FCRA. 

They are continuing to report an account on my credit reports that I informed them multiple times was opened fraudulently in my name. Not just are they reporting it, but they continue to update it despite there being no activity since 2018 apparently. 

Ive reached out to them multiple times to resolve this by making them whole and paying the balance on the account in exchange for them removing the account from my name, since IT IS NOT MY ACCOUNT! 

Their call centers are impossible to talk to. Their employees follow scripts and are unable to think outside of the box or come up with a solution. 

Ive been on hold hours before only to be transferred, being told this department cant help and then transferred to the another department who also cant help, only to end up with the department I started with originally. On multiple occasions calls would just drop during the transfer process or I would be hung up despite remaining courteous at all times and just looking to resolve this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently opened my credit report and discovered unknown accounts ; XXXX XXXX XXXX ; XXXX  XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX. I am a identity thief victim. The following accounts are not my accounts. I've also included my identity theft affidavit of which I've sent a copy to my local sheriff department for further investigation.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

You have lied to me about the accuracy of my credit report. The collection agency said they sent the correct details which they didn't verify. They blame you for inaccuracy of my credit report. You need to understand the U.S Federal laws while operating in the U.S. I have attached the CFPB complaint of them Collection Company statement. If you have conducted a reasonable investigation. LETS READ ABOUT A REAL INVESTIGATION. ( FACT ) Improper investigation and/or no investigation conducted as prescribed by the following terms of investigation. 1681 ( a ) ( e ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. YOU HAVENT CONTACTED ANY OF MY NEIGHBORS WHICH I HAVE THEIR STATEMENT FOR PRROF IN COURT. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. All entities involved have stated several times that the account ( s ) have been verified, validated and investigated. Yet based on the credit reports, all data must be 100 percent accurate or be removed. The credit reports differ and has information between all 3 reports, that are completely different. ( Drastically different ) See attached credit report. You should have seen the mistakes of the Date Opened. Why the date Opened on TransUnion XX/XX/XXXX, XXXX XXXX XXXX says XX/XX/XXXX. This is very misleading information which you know are errors on my credit report. The banks think this account not accurate. I recommend you delete this error. I can speak with my Attorney General, but I am trying to resolve with you Politely. I advise you to give this matter to your Collection Manager so he or she could read the following statement since you failed to do so. I just want to know how you could report to TransUnion & XXXX Date Last Reported XX/XX/XXXX, & XXXX XX/XX/XXXX? Like Which Date Is it? Second Violation. You also reported Date Last Active TransUnion XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. This ridiculous you continuously to break the LAW. They must match across all three which they don't, SO DELETE THIS COLLECTION. READ THE ATTACHMENT & ANALYZE & DELETE DUE TO YOUR CARELSS MISTAKES FOR 2 YEARS.YOU HAVENT CONTACTED
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received a response from the creditor ( FORD MOTOR CREDIT ) that the balance was adjusted to the correct amount from previous dispute, and was being reported to the Credit Reporting Agencies. On that day I saw the changes on my credit reports just as the creditor had explained. Four days later, on XX/XX/2022 all 3 Credit Reporting Agencies begin reporting 3 new different balance amounts on my credit reports, which is totally different from what the creditor had explained and reported four days earlier.
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts on my credit report, and Im unsure how they appeared. I routinely check my credit report, but this time, unexpected errors showed up. I even refreshed my browser thinking it might be a glitch, but the inaccuracies remained. Due to this problem, I kindly request a thorough review of the documents I provided so I can have peace of mind moving forward.
Product: Credit reporting or other personal consumer reports

XX/XX/2024, I formally challenged the validity of an alleged bankruptcy listed on my credit report under my Social Security number. I also disputed this account with XXXX and they indicated that the information was " verified '' through LexisNexis records. I requested that LexisNexis provide me with all documentation and information used to verify this alleged bankruptcy, including but not limited to the original documents containing my signature and the signature of the XXXX XXXX XXXX XXXX. 
If they could not produce these documents to substantiate the claim, I requested that they immediately remove the bankruptcy entry from my credit report. This inaccurate entry is adversely affecting my credit standing and defaming my character.

Additionally, I express to them there may be violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681 ( a ) ( 4 ), which emphasizes the need for accurate credit reporting to ensure fair treatment of consumers, and 15 U.S.C. 1681b ( a ), which outlines the permissible purposes for accessing a consumers credit information. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c2, I was entitled to have this fraudulent information removed from my credit report expeditiously. I in
sisted that they do not use automated verification methods such as e-Oscar to investigate my claim, as these methods are insufficient for verifying the accuracy of such serious allegations. I also included I was maintaining detailed records of all correspondence and actions related to this matter. Including that there failure to respond within my entitled to have this fraudulent information removed from my credit report expeditiously. Under the FCRA, I may seek up to {$1000.00} per violation for defamation and negligent enablement of fraud.
Product: Credit card

Good afternoon, I was contact supposedly from a man from Citizens Bank. The person calling me had a phone number of ( XXXX ) XXXX. The man asked me if I had applied for credit recently in XXXX, TX. He said my social security number may have been compromised. I told him that I did not make any application for credit in XXXX, TX. He gave me the complaint number. The complaint number is a follows : # XXXX. 

Please investigate and advise. 

Thank you for your assistance. 

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

I am filing a complaint to dispute the recent denial of my identity theft claims submitted to your credit bureau. I am deeply concerned about the denial and would like to emphasize that, based on the Fair Credit Reporting Act ( FCRA ) and other relevant legal statutes, your bureau does not possess the legal authority to arbitrarily decline my identity theft dispute. I am formally requesting that your bureau reevaluate my identity theft dispute and conduct a thorough and unbiased investigation in compliance with federal law. I expect a response that adheres to the legal requirements of the FCRA, including notification of the results and any necessary corrections or deletions to my credit report. The identity theft claims in question pertain to fraudulent activities on my credit report. These fraudulent activities include 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. Please remove these fraudulent accounts.
Product: Checking or savings account

I deposited a check on Monday, XX/XX/XXXX.  It is a tellers check from XXXX XXXX XXXX for $XXXX.  Bank of America has put a hold on the check stating that it will not be available until Wednesday, XX/XX/XXXX.  That is a 9 day hold or a 7 business day hold.  That is a ridiculous amount of time, given that this is a teller's check from a local bank here in Virginia.  My husband left Bank of America for the exact same reason.  Maybe I will have to do the same.
Product: Debt collection

I had XXXX for TV Phone and Internet. I was continuously lied to when my bill would inrease a significant amount. I am a XXXXyo widow on a fixed income. This last time I explained I could not afford the increases. I just wanted a plan that would stay at or below {$120.00}. They talk you in circles! I removed all the serices i could like phone, DVR, high speed internet to get it to where I could afford it. I also had to be on automatic payment to receive the {$5.00} discount. I explicitly told them I did not want a promotion that was going to change. I was on the phone with them for well over an hour ( called to cancel ) was sent to retention after and hour with customer service. After three months I received a Bill in XXXX for the services or XXXX XXXX - XX/XX/XXXX. It was already paid because it was automaticic. The bill had gone up over {$50.00}. I immediately contactded them to cancel my service they tried again to talk to me in circles, I was physically ill aft this. I told the to canel my serviice as of XXXX because I had already paid for that time. I had my son come and disconect the equipment and I returned everything on XX/XX/XXXX. The XXXX was a Friday and my son couldn't come until Monday. I returned them first thing Tuesday morning. After a week or so I received a bill for XXXX. Charging me into XXXX. When I call to tell them that I canceled my service as of XX/XX/year> they said I didn't but the bill shows the return of all the equipment. There is no way I could use their service with no equipment. Right after I call them they sent it to collections. So when I called back they wouldn't talke to me because they said it was in colletctions. I talked to the collections company and sent them my previous bills and also Where I paid and returned the equipment. They sent me a letter saying that XXXX says I owe it because I used it in XXXX. The invoice clearly states the billing period and XXXX clearly states that they charge a month in advance. I do not owe them anything. I am at a loss and no one will help me. The collection company keeps calling and sending text messages. Please help me they are making me ill!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

The ITEMS stated below are still reporting on my XXXX and TransUnion credit report despite numerous written requests, which is against FCRA. The Bureaus continued to report the unsubstantiated & unverified information despite failing to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time frame required by law, failing to adequately examine the situation by using a third party as their verification source. I've tried to address this directly with XXXX and TransUnion Credit Bureaus, but despite my efforts, they have been deliberately neglectful and in violation of federal law. I need this situation to be resolved right away. Please delete the following elements from my file : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX : {$15000.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX BankruptcyReference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED THE ACCOUNT AS FRAUDULENT AND I MAILED ALL DOCUMENTS TO XXXX, AND THE ACCOUNT IS NOT MINE I NEVER HAD XXXX SERVICE, AND I AM ASKING FOR IMMEDIATE DELETION OF THIS ACCOUNT SOURCE RECEIVABLES MANAGEMENT PARTIAL ACCOUNT # XXXX BALANCE {$2400.00}
Product: Prepaid card

Date : XXXX XXXX XXXX Amount XXXX Company : Money network XXXX keep denying my appeal with providing any information on my dispute appeal. I notified them immediately after the transfer that I dont know who got the money and they asked me to wait for XXXX business days before calling again. Next time I saw the money was transferred to an external account which isnt mine and I dont even know the account name or number where the money was sent. I complained them many times to provide me the denial details but they never did. I want to know how an external account got added to my account without my approval. All my previous transactions made to my account with my name and the last transaction all of a sudden it went to an account which doesnt even have my name. I wanted money network to take responsibility for their software issues and give my money back
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove this account from my report, this is hurting my ability toobtaincredit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I contacted All 3 credit bureaus about the inaccurate information on my credit report numerous times over the past year. I contacted consumer finance bureau and I finally contacted Federal Trade Commission to dispute the validity of these accounts. I am a victim of identity theft as to these accounts do not belong to me and I have no acknowledgment of. These inaccuracies have been haunting me for the past decade please delete indefinitely because it is the law. I should not have inaccurate items on my credit report.
Product: Credit reporting

To whom this may concern, This is a follow up to my previous letter sent on XX/XX/2016 that has not received a response. 

I have become suspicious that there is incorrect and outdating information on my Early Warning Services file as a result of identity theft. 

Please provide me with digital copies of my report and further be advised that I have been living outside the country for the past 3 years and have not used a US bank account. I believe my identity may have been stolen by an opportunistic individual with access to my information and knowledge that I am outside of the US. Therefore, I also submit a formal dispute to delete all records submitted to my file within the past 3 years as they are most certainly the result of identity theft. 

I have attached the necessary information to verify my identity. 

Sincerely Yours, XXXX XXXX XXXX
Product: Checking or savings account

I have a traditional IRA account with a local bank. I have been trying for several months to transfer the account to an IRA account at another bank. I have filled out all the required forms and sent to the new bank. The new bank forwarded the forms to the bank holding my account and NOTHING happens. The new bank keeps telling me that they are waiting for " the check ''. They advise me to call my bank to expedite the process. I did that and am told that the transfer is " on hold '' because information is missing. Next it was a " medallion signature guaranty '' that was missing. I get that done. The new bank sent in the forms again. Again no response. I call again and was told the forms had not been received, and what address they had been sent to. I confirmed the address [ the one on my account statement ] only to be told that that is not the right address. [ the previous - rejected - forms had been received at that very address ] Meanwhile, the local branch - I have a checking account there - can not help because " they are a separate company from the XXXX XXXX and are not related ''. I tried to contact the " representative '' listed on my statement [ XX/XX/2018 ] - got a message that she does not work at the bank anymore. 

I am XXXX years old, trying to make my life easier by consolidating my bank accounts. I have been a customer with this bank for many years and I find this experience horrifying! It's my money. They know me personally. All forms properly have been filled out and submitted. They have a verified signature. They keep putting obstacles in my way to keep my money in the account. What can I do to break this cycle .... or do I have to expect this to happen with all my " retirement accounts '' [ with some other other banks ] when I want to transfer or close an account???