23daVinci/CFPB_Complaints huggingface dataset:
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 confidentially under 15 U.S.C 1681 ( 1 ) XXXX XXXX XXXX. XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C. 1681 section 602 A. states I have a right to privacy 15 U.S.C. section 604 A it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c Section ( a ) ( 5 ) states no consumer reporting agency may make any consumer reports containing any of the following items of information.Any other adverse items of information other than records of convictions of crimes which antedates the report by more than 7 years 15 U.S.C.1681 section 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency, if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

XX/XX/XXXX Messerli and Kramer PA, called to try to resolve debt but when I gave them information which I felt was necessary to proceed to resolve the issue and would not give new personal address they got rude and hung up on me several times even when I called back. They also got rude in their speaking and was very unprofessional. They state they are attempting to collect a debt from XXXX. I had mentioned I will only communicate by email and they refused to communicate by e-mail. They also refuse that I give up personal information to make a settlement when they called me. 

XX/XX/XXXX Filed lawsuit in incorrect state as I had moved on XX/XX/XXXX to another state. 

XX/XX/XXXX letter sent to wrong address about a claim they bought a credit card debt, which they have not validated nor verified they own the debt. 

XX/XX/XXXX XXXX sells unvalidated debt to XXXX XXXX XX/XX/XXXX XXXX XXXX attempts to collect debt for XXXX.
Product: Money transfer, virtual currency, or money service

I have a email address XXXX that I currently do not have access to because the device is damaged. Prior to technology damage, I was attempting to have Aa Cash out from CashApp that was XXXX XXXX. I have not been able to Cash out and the card the is associated with this email XXXX XXXX I have requested deactivation.
Product: Credit reporting or other personal consumer reports

i looked at my credit report today XX/XX/28 and i noticed a collection from national credit system for the amount of XXXX i called the collection agency, and told them i never had business or interactions with them. 

nothing was resolved.
Product: Credit reporting or other personal consumer reports

I called navy federal collections agency and asked for a 1099-c form they refused to give it to me. They are still reporting the credit card on my credit report and its been closed since XXXX. I would like for you to investigate this or if you can eliminate this from my credit.
Product: Checking or savings account

I'm tried to withdraw money from my XXXX account but I was using First Midwest ATM machine on XX/XX/2019 at XXXX XXXX. Their ATM machine jammed and didn't disburse the money but they had deducted funds from my XXXX account. I waited until they open at XXXX XXXX to try to get my money from them. They refuse to help me and told me to call my financial institution to file dispute claim which will take up to 10 business days to investigate and 30-90 days to put the fund back to my account. I need my money and I can't wait that long. It's thier ATM malfunction and they refuse to do anything at their end because I'm not the First Midwest customer but they deducted the money from my account and charged me XXXX for ATM fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nationstar Mortgage # XXXX is reporting a foreclosure I no longer owe. This is past the statute in WA and I do not legally owe the debt anymore and this account should be removed off of my credit.
Product: Debt collection

On XX/XX/XXXX, a person called me without identifying themselves as a debt collector and asked me to identify myself. He proceeded provide my social security number and address and state that I had a debt with XXXX. I stated I have no memory of any such debt nor do I any such company on my credit report ( I know every creditor on my report and I have NO derogatory accounts on it at this time ). He stated that it had fallen off my credit report. He then said he could prove by his data that I was a " XXXX ''. He then proceeded to tell me that if I did not pay him right then he would file a wage garnishment that day and I would have to " Burn my debit card '' because he would empty my bank account. I then asked him if he had obtained a judgement against me in the courts he said no. I called him out on that since he would need a court order to garnish me. At this point the person hung up on me. 

I called the company back asking for the name, address and license information for the company. The person who answered the phone stated the company was ARA Inc but refused to provide further information about the company. I felt at this time the company was a scam but I have since received letter from the company. I am in the midst of requesting validation of the debt but I felt that this initial attempt to collect debt was sufficiently predatory to merit a complaint on it's own for the following reasons : 1. The caller did not identify themselves as a debt collector.

2. They refused to provide their company information when requested.

3. They threatened immediate action for which they did not have legal standing in an attempt to intimidate me.

4. Called me derogatory names in an attempt to shame me.
Product: Debt collection

Midland credit management states XXXX XXXX debt was open with them and I have no knowledge of being in any contractual agreement with them.
Product: Checking or savings account

During the month of XXXX I have been charged multiple times by XXXX in NXXXX and have been denied service. The XXXX of XXXX told me to inquire with my financial institution. ( Cash app ) and they blatantly told me it's not their problem they can not do anything. Also was directed to wrong support. They did nothing to resolve issues and have been at many disadvantages and embarrassed because of their way of conduct. 

I do not know what actions to take to be reimbursed for the 10+ times they charged me and denied service.. 

It is only cash app that does this when paying for XXXX and they need to resolve the payments.. 

If this is happening to me imagine the millions in XXXX this is effecting.. 

Cash app needs to solidify this with XXXX or not be involved in the payments with XXXX Please get back to me about information on this case. 
Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This investigation has now been well over 30 days to determine is there was late payments. The credit bureau will not validate late payments - it's been over 30 days and still no documents that show my payments were ever late. Isn't this illegal?
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of the following items from my credit report :
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint : Civil Liability for Negligent Noncompliance Under 15 U.S.C. 1681o To Whom It May Concern, I am submitting this formal complaint against XXXX XXXX XXXX for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o. Their failure to meet their statutory obligations has caused harm to my credit standing and financial well-being. 
XXXX. Disputed Item ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number-XXXX XXXX. Violation of FCRA Obligations : The company has failed to fulfill its legal responsibilities as follows : 15 U.S.C. 1681e ( b ) : Failing to ensure maximum possible accuracy of the information they reported.

15 U.S.C. 1681i ( a ) : Failing to conduct a reasonable investigation upon receipt of my dispute.

15 U.S.C. 1681i ( a ) ( 2 ) : Neglecting to notify the furnisher of the disputed information within XXXX business days. 
XXXX. Evidence of Negligence : Despite multiple attempts to resolve this matter, the company has not adequately addressed the inaccuracies or provided evidence of proper investigation. As a result, these errors remain on my credit report. 
The companys negligence has resulted in : Financial Harm : Negative credit reporting not allowing me to purchase a home. 
Emotional Distress : The ongoing inaccuracies have caused unnecessary stress and inconvenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am representing myself. I am NOT a third party. I have also attached a photo of a utility bill and a photo of my social security card for PROOF of identity along with a report from XXXX to show EVIDENCE that this creditor is violating my rights. In accordance with the fair credit reporting act *XXXX* XXXX  account number # XXXX has violated my rights and 15 USC 1681 section 602A. States I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I am not a third party I am representing myself. Every piece of information on this account is NOT reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % ACCURATE! I have attached a report from XXXX to show PROOF that this creditor is in direct violation in accordance with the Fair Credit Reporting Act ( FCRA ). The dates for " Date Opened '' are DIFFERENT with all three credit bureaus. And again... all of this is PROVEN in the file attached to this complaint. The dates last active are DIFFERENT with all three credit bureaus.
Product: Mortgage

I originally applied for a mtg modification in XX/XX/XXXX due to a financial hardship that occurred on XX/XX/XXXX. I was injured at work and was dismissed from work and placed on workers compensation. While on workers comp my total monthly income was {$2300.00} per month. I even had to file a chapter XXXX bankruptcy which was discharged XX/XX/XXXX. This application was denied with reason being " loan not seasoned enough ''. I was told submit an appeal on XX/XX/XXXX when my loan would be 12 months old. This appeal was denied because my income was only $ XXXX/m and because workers comp income is not considered permanent income. I then submitted my employment verification letter proving that I was going to begin working on XX/XX/XXXX which would then produce a permanent increase in income as the job I started was was permanent. This was denied by my lender because " my income to debt ratio did would not meet poverty limit guidelines. '' My income was {$3700.00} per month once I began working. This alerted me that the lender did not take into account that most of my debt was discharged in the  bankruptcy therefore, my monthly expenses had decreased.I then followed up with an email providing the loss mitigation department a copy of my chapter XXXX discharge with list of creditors whose debt was discharged which proved my decrease in monthly expenses. I also sent an updated income and expense form as well as current paystubs as I had began working. They denied again because " debt to income ratio did not meet the guidelines ''. At that time my monthly income had increased because I had started to receive court ordered child support. I spoke to loss mit dept who then advised me to submit a new application. I submitted a new modification application packet with updated income showing the increase in my income. Did not hear back from the lender. I called the loss mit department to check the status of my application. It was then brought to my attention that my home was in foreclosure. Come to find out they overlooked my application. Once they realized this they paused the foreclosure and reviewed my app. I was denied because " my income was too high and which disqualified me from qualifying for assistance. I feel that the lender is coming up with reasons to deny me.
Product: Debt collection

I have a collection account on my credit report which originated from XXXX for {$370.00} from Amsher Collection Services in Alabama. In XX/XX/XXXX I looked into switching my cell phone service from XXXX  XXXX to XXXX. Prior to completing the transaction XXXX wanted a {$600.00} deposit for new phones, so I decided NOT to use their service as that was an exhorbanant amount. I did not sign anything, receive service and my phone was never ported over. I ended up switching to XXXX the next day and have been their customer ever since. 

2 months later I received a bill from XXXX claiming I owed them {$600.00}. I called them the same day and was told that this was a mistake and they would cancel the debt. 

Approximatly a month later I received another noticed that I owed {$370.00} for XXXX. Again I called and was assured that it would be taken care of and that it is a cerical mistake. 

On XX/XX/XXXX I noticed a debt collection on my credit report for all 3 credit reporting agencies. I disputed the account and just found out that I was denied by XXXX. I don't know what else to do. 

I have never been a customer of XXXX, never used their service, nor have I ever ported a phone number over to them. I have had my same phone number for over 10 years and am a happy XXXX customer. 

I'm at a loss for what to do to correct this fraudulent charge, short of just paying off the {$370.00}. I am willing to hire a laywer if needed just for the principal of the matter.
Product: Credit reporting or other personal consumer reports

I sent a letter to the company requesting the following information : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/year> Citicards CBNA XXXX XXXX XXXX XXXX XXXX, SD XXXX Subject : Request for Account Information Dear Citicards CBNA, I am writing regarding my account ending in XXXX, which is being reported as negatively affected due to a charge-off or inclusion in a bankruptcy. I kindly request the following information for my records : 1. Date of First Delinquency 2. Date of Last Payment 3. Date of Charge-Off 4. Date Included in Bankruptcy I am not disputing this account at this time but seek this information for my records. Please let me know if additional documentation is required to process this request.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX The company responded stating they would not provide any information to me. See attached response letter from Citi
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last two months i have sent 4 faxes with all my personal informatio, spent hours on phone with equifax are on hold. And they still havee not recieved my info, they told me a man in XXXX was assigned my social security number and i needed to file for a new one, however that is not the case after going to social security office. Equifax put that guy in california in the system with my number.
Product: Mortgage

I have a 15 year mortgage with Bank of America taken out in XXXX, now in its last 4 months of payment. I have never missed a payment nor ever paid late. As a matter of fact Bank of America has taken payment automatically from the checking account which I maintain with them on the first of the month with funds being available every time the payment hit the account. 
Around XXXX I noticed on the paper statement that is sent to me, a statement in bold type, that my mortgage account was " subject to a bankruptcy case or discharge ''. I have never filed or been involved with a bankruptcy. I called several times over the years to try and get this removed. To no avail. The issue of this statement appearing on my statement came into critical focus as a potential problem when another institution which I have applied for home financing asked me to send them a copy of my mortgage statement. I have asked Bank of America to send me a " clean '' statement, which I have yet to receive.
Product: Checking or savings account

I called Chime to close a fraudulent account associated with my name. They were very unhelpful with closing the account and did not help me resolve this in a timely manner.
Product: Other financial service

I entered a branch of Bank of America at XXXX XXXX XXXXXXXX, NY XXXX, on XXXX XXXX, 2015 to cash a XXXX denominated check ( XXXX XXXX ) in my Bank of America checking account. I filled in forms and I was told it would take XXXX weeks. It is now almost XXXX months. I have tried to inquire twice through customer service and no one even understands what I am talking about. No one from Bank of America has followed up on the issue.
Product: Mortgage

Hello, We had applied for a loan with DHI Mortage on XX/XX/2021, the Loan officer XXXX XXXX XXXX NMLS ID # XXXX, gave a go-ahead to submit the offer to our realtor on the same day. On XX/XX/XXXX XXXX called us to confirm the loan and said we have to get a letter from the employer to prove that we will have the same salary after we move to XXXX. Firstly we are in the same or similar job for 12 years and have XXXX down in cash, XXXX salary and XXXX credit score applying for XXXX loan. She didn't do any due diligence to confirm us what info she needed on the letter would need to take a loan. ( we called her multiple times, reached VM, emails, texts were not replied to ). We wanted to know what exactly should be in the letter head of the letter from the employer. 
( Legally she should not ask us on securing future employment details ). 
The next day we were asked to sign the purchase agreement and we did. Our realtor was told we won the bid and an email would be sent in 1 hr confirming it. 
the next day she send us a denial letter saying the length of the employment History was the reason on denying the loan. She never tried to speak, ask and help us to acquire the House.the calls and VM, emails texts were not replied to and missed doing any due diligence on it. she dint care for us/neglected us. we were clearly discriminated by Builder, the loan officer based on nationality and race. They evaluated us on how to eliminate this application rather than giving it a fair chance. Please look into this.
Product: Debt collection

I had XXXX XXXX internet service about 4 years ago, for literally less than two weeks. The service was not as promised, so we canceled it right away. Since then, I have been contacted by a number of different collection agencies regarding a bill of {$690.00}. I have disputed the amount and collection agencies over and over on my credit reports. It showed up again today. I do NOT owe this money, and the lady I talked to when I closed the account in early XX/XX/2014 assured me that my account had been credited to a XXXX balance and then closed with no further amount due. Today again, I see this showing up on my credit report with a new collection agency name ( EOS CCA/account number XXXX ). This account should NEVER have been sent to a collection agency at all for less than two weeks of service that didn't work and a XXXX out balance. The service not working correctly was why we canceled in the first place. I do NOT owe XXXX XXXX or any collection agency {$690.00}. XXXX XXXX should never have sold this account to any collection agency over 3 years ago. I spoken with XXXX XXXX today and they refuse to assist me with this matter at all. I am not paying a collection agency {$690.00} for a bill I was told was XXXX balance, especially for service that I canceled within two weeks.
Product: Debt collection

I wrote few times and this site keeps kicking me off as I write a dept that's a total scam from a old XXXX cellphone I returned and gave the tracking number to both parties scamming collection agency and XXXX  witch said they received both cellphone with the tracking number I gave them but this collection agency said I still owe them XXXX I have ported my old numbers to a new cellphone XXXX. I don't owe anything and there wrong doing my credit report please get them off my credit report.
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc XXXX and XXXX. Cc Federal Trade Commission. Cc XXXX XXXX XXXX.
Product: Checking or savings account

Back in XXXX, 2023 around the XXXX I was unable to login to my Citibank account. I called Citibank and was told my account was in the process of being closed and that once it was closed I would receive any funds owed to me. At that time I had {$1500.00} in my account all of it being from my Social Security check. On XX/XX/XXXX my Social Security check came in, I called to see if they had returned it because I had assigned another bank to receive it, but they lied saying they would automatically reject they SS funds, since they didn't return the SS check. I am XXXX XXXX XXXX, the only funds entering this account was my Social Security check and they are refusing to send me my funds. They also told me my account is being investigated for fraud which is ridiculous because my account only pays for XXXX purchases, my insurance and my credit cards with Citibank. I had been a customer for over 20 years. I've gone to the bank many times trying to get a check cut to me but to date all I get are notices that my account is being closed but they never send me a check. I want my money it's against the law to hold my social security funds according to Social Security whom I've contacted and told me they didn't reject the funds for XXXX 's payment. They're playing with my money while I'm waiting to get paid. This is an egregious form of elder abuse! I want my money back ASAP! I've not received any notice about my account being closed, yet, they send me notices that my credit cards and debits cards are closed but for my account I get nothing but notices that I have funds sitting there that I can't access!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has mixed my brother 's credit report with mine. 

We have similar first names and our SSN 's were issued on the same day and are 1 digit apart. 
Equifax will not fix this problem despite sending them a detailed letter with documentation they requested in XX/XX/2016. 

I am once again fighting with them to get my brother 's credit information off my file. 

they are giving me the run around and I can not get even a small loan due to this error on their part. 

I have checked my credit report with other agencies and the do not have my brother 's data mixed in with mine.