23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I hired a contractor to patch up my roof. Got the information from XXXX ( XXXX XXXX XXXX  ) I paid him in two transactions XX/XX/XXXX {$2700.00} and XX/XX/XXXX {$2700.00}. But this contractor has been using my CC information throughout XXXX. I discovered unauthorized charges on XX/XX/XXXX and reported to Citibank Branch manager. This is a Credit card that I only use for larger purchases. This contractor used most of my funds during XXXX and XXXX. He used it to accumulate a total of over {$43000.00} of charges. This contractor stole from me, and I have been trying to get the monies back from the back I have been denied twice on XXXX XXXX XXXX, they are not even trying to investigate this predictor contractor. On my last appeal which I sent them through the branch manager I they sent me individual request to submit proof that services were not rendered. 
I also requested a letter I need to take to the police precinct, and they have not provided this document. they have allowed this person too much time to use up the money he stole from my account. 
They want me to submit proof via a licensed contractor of confirmation that services were not completed on my house. The problem is that there are no services to confirm, because this XXXX stole from me. He never completed another work in my house. They can send their inspector to see for themselves. 
Citibank is not doing enough to return my money to my account. I feel violated and am desperately looking for assistance and a resolution. They did not do enough to protect my account. The two denials were done in a matter of days with no investigation and the paperwork they sent me can not be completed because THERE WERE NEVER ANY WORK COMPLETED. The only job he completed was the one roofing which he was paid for. How do I provide this proof when I don't even know what it is? 
My account was wiped out and I am being treated like I am the criminal. Please assist me in any way to get my money back and seek criminal actions against the company, Citibank has all documentation requested.
Product: Credit card

Hi, I filed a dispute with wells fargo ( claim number XXXX ) and as strange as it sounds - wells fargo refused to actually process and investigate the claims. I first noticed that there has not been a provisional credit issued- so I called. and I was told the claims department would selectively process claim ( strange ), and because it is a higher amount, they might choose to delay it. 

My claim has been stuck for the past 3 weeks with no updates- when I called to ask, no information is given either. 

I am filing a complaint so that my claim can be properly investigated and taken care of. I am uploading additional information for the claim here as well.
Product: Debt collection

I received an alert from XXXX XXXX saying a collection was added. I had no knowledge of the collection until I received the alert from XXXX XXXX. I never received a phone nor letter advising me to dispute the validity of this debt. It is affecting my credit and need it removed. Im supposed to receive notification to dispute, and if I dont respond within 30 days then it can be added to my report, instead they added it without giving me the opportunity to dispute the validity of the debt
Product: Credit reporting or other personal consumer reports

I have noticed that my credit report is inaccurately showing late payment marks that do not reflect my actual payment history. These late payment marks are incorrect, and I have included documentation that supports the timely payments I made during the reported period. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to maintain accurate information on credit reports, and these late payment marks are a violation of that requirement. 

I am requesting that the inaccurate late payment marks be corrected on my credit report.
Product: Mortgage

XXXX XXXX XXXX XXXX  and Bayview Loan is attempting to foreclose on my property with fraudulently robo signed assignments. I have mailed a 2 QWR and a debt validation neither have been responded to. The assignment are fraudulent. Bayview neither XXXX XXXX XXXX have tried to resolve my concerns
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong
Product: Credit card or prepaid card

I was out of the country for work, and when I returned I learned that my account was delinquent because our auto pay was not set up correctly. We immediately paid the account current, and have since paid the account off. These late payments were reported to the credit bureaus and they dropped my credit scores by  XXXX  to  XXXX  points. This is very damaging as we are in the process of building a house and now I wo n't qualify due to  credit score . I have called many times asking for a good will removal of the late payments. I have even sent the attached letter. Please help my family.
Product: Mortgage

I recently filed for Bankruptcy and my mortgage loan company, State Employees, Credit Union changed the locks to my residence and refuse to turn over the keys to my property. My bankruptcy attorney and I have contacted them several times ; however the have deliberately ignored my calls. Additionally, they took monies from my account ending in XXXX, for preservation and foreclosure fees, which is a direct violation of federal bankruptcy code. Pursuant to bankruptcy code all collection activities are granted a stay of protection. I am requested that the put the money back in to my account and turn over keys to the property.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX I found disrepancies on my report with XXXX XXXX, XXXX, Experian Acct # XXXX the date of last payment says XXXX XXXX and XXXX XXXX this is inaccurate reporting and violating my rights as consumer According to 15 USC1681 I have the right to maximum accuracy to my report.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that i have been a victim of identity theft. I found numerous accounts and inquiries on my credit report that wasn't opened by me. This has been hurting me as I am in the process of purchasing a home for my family. Im also aware that my information had been exposed in the Equifax Data Breach and I'll provide proof of that as well. Please remove these accounts & inquiries from my credit report and soon as possible. Thank you! 
ACCOUNTS ( XXXX XXXX XXXX XXXX {$11000.00} ; XXXX XXXX XXXX XXXX {$13000.00} ; XXXX XXXX XXXX XXXXXXXX - XX/XX/year> - {$14000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$49000.00} - XX/XX/year> ; XXXX XXXX BANK, XXXX. - XXXX - {$36000.00} - XX/XX/year> ; XXXX XXXX - XXXX - {$46000.00} - XX/XX/year> ; ) ( INQUIRIES- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you in good health and high spirits. I am writing to seek your valuable assistance in resolving an issue that is hindering my XX/XX/XXXXaspirations. As a dedicated and driven XX/XX/XXXX, I am eager to expand my business and contribute to the economic growth of my community. However, repairing my credit has become an essential step in achieving these goals. 

I have recently encountered challenges in securing favorable financing options and business partnerships due to negative account XXXX XXXX  XXXX account XXXX that appears on my credit report. This account has a significant negative impact on my credit score, impairing my ability to access the financial resources necessary for business growth and development. 

Understanding the crucial role the Consumer Financial Protection Bureau plays in safeguarding consumer rights and promoting fair lending practices, I kindly request your intervention and assistance in addressing this matter. I believe that the presence of this account is inaccurate and unjust. 

I have made diligent efforts to rectify this situation on my own by disputing this account with the credit reporting agencies. However, the response received thus far has been insufficient, leaving me with limited options to effectively resolve this issue. I humbly request your intervention to ensure a fair and accurate representation of my creditworthiness, thereby enabling me to pursue my XX/XX/XXXXendeavors without undue obstacles. 

Enclosed with this letter, please find copies of my credit reports where the disputed account is clearly visible. I trust that this evidence will aid in your assessment of the situation and assist you in facilitating a resolution. 

I kindly ask that you undertake a thorough investigation into this matter, ensuring that my credit report accurately reflects my creditworthiness as I strive to expand my business. Your assistance in removing this account from my credit report will significantly enhance my chances of accessing the necessary financial resources to propel my XX/XX/XXXXjourney. 

I am truly grateful for your attention and support in this endeavor. I eagerly anticipate a favorable resolution that will positively impact my ability to grow and contribute to the economic prosperity of my community. If there are any further details or information required from my end, please do not hesitate to contact me at your earliest convenience. 

Thank you for your time, consideration, and dedication to consumer protection. I greatly appreciate your commitment to ensuring fairness and accuracy in credit reporting. 

Yours faithfully, XXXX XXXX
Product: Checking or savings account

My Bank of America Debit Cards were stolen from my vehicle while I was outside of the U.S. My debit cards were in the backpack along with other personal items. Thieves managed to withdraw money from my debit cards in amount of {$39000.00} in total. I contacted BoA ATM Debit Card Fraud Services for assistance and help. Based on their policy Bank of America will credit fraudulent charges made with your card back to your account as soon as the next business day. They told me it will 10 business days to investigate the case. After 12 business days the claim was not paid with no reasoning behind. After long conversations with customer service representative, the answer was that " those transactions were done by me based on the film they have ''. However, it was a complete non sense because I was outside of the U.S. and it is impossible to withdraw money from an ATM within U.S. while I am outside of it.
After, contacting the bank and faxing my travel documents and airport stamps on my passport they decided to reconsider the case. Second refusal for the claim was made based on a reason that I accessed online banking multiple times during the period of those transactions, which isnt true. Hence, I asked for documented proof of IP address login details. The answer was they are not able to provide it. Hence, the case is still being reconsidered. Everytime they are trying to find an excuse not to reimburse my money. Each reconsideration of the claim results in completely different answer. I gave them the police report, my travel stamps on the passport and insurance claim number as a proof of the incident.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the collection account listed on my credit reports with XXXX and Experian, I have identified discrepancies in the reporting of this account that I believe warrant further investigation and correction. 

Please find below the details of my dispute : Incorrect Account Status : The account status is reported as " Closed '' on both XXXX and Experian, which is accurate. However, XXXX does not report this account, leading to inconsistency in reporting across the credit bureaus. I request that XXXX either report the account as " Closed '' or remove it entirely from my credit report. 

Incorrect Payment Status : The payment status is reported differently on XXXX and Experian. XXXX reports the account as " Payment after charge off/collection, '' while Experian reports it as " Paid, was a charge-off. '' This inconsistency requires clarification to ensure accurate reporting across both bureaus. 

Inconsistent Payment History : The payment history on Experian indicates past delinquencies, with the account being 120 days past due in XXXX and XX/XX/XXXX. However, XXXX does not reflect this information. This discrepancy in reporting requires verification and correction to ensure consistency across both bureaus. 

Date Last Active : The date last active is reported differently on XXXX and Experian. XXXX reports XX/XX/XXXX, while Experian reports XX/XX/XXXX. This inconsistency raises concerns about the accuracy of the reported information and requires verification to ensure consistent reporting.
Product: Credit reporting or other personal consumer reports

I have made several attempts to dispute the presence of these accounts on my credit report, as they do not pertain to me. Despite my efforts, these disputed accounts continue to be reflected in my credit history. Additionally, I have filed multiple FTC reports concerning these erroneous accounts. 

These companies have declined to address these disputes, even though they are legally obligated to do so. 

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

I have several times disputed an account that i noticed at the start of XXXX, when i first began to check my credit report. There was an unknown collections from a company called XXXX that had a medical bill from XXXX I had no knowledge of a collection or even a bill, so I disputed it with all 3 credit bureaus. They would not remove it. Finally I was able to find the original creditor and contacted them. Apparently they made a mistake in billing department when the bill was sent to insurance which caused them to deny it, I was then never notified of any bill nor sent an actual bill, instead it went to collections and remained on my credit report since XXXX. I have been sent a letter from XXXX ( collection agency ) that the account and collection has been closed. I would greatly appreciate if you could assist me in having XXXX, equifax, and XXXX remove this from my report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT As a living breathing man I am aware of my unalienable rights which have been infringed upon.I am stopping all communication through medians other than that through Mail as well as a response through the CFPB, I am demanding that you stop all collection activities and that includes reporting anything to my consumer report with the consumer reporting agencies, creditor, and debt collectors. In pursuant to 15 USC 1692C ( C ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt I am refusing to pay the alleged debt, and if once again anytime you communicate with me I demand that it must be through mail if not in pursuant to15 USC 1681q Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 

I never gave anyone written permission ( permissible purpose ) to furnish my information. I am aware of my open end credit plan as defined in 15 USC 1602 ( j ), With that being said i am also aware of my credit file in pursuant to 15 USC 1681 ( g ) and I want to see the transactional history, I want to see my audit trail ( File : 15 USC 1681 ( g ) ) To verify this alleged debt that you are stating me the living person is obligated to pay i demand my audit trail. If you can not verify this in pursuant to 15 USC 1692g validation of debt then its just an allegation and I will hold someone civil liable in pursuant to 15 USC 1692k Send everything to the address below, and once again that is the only medium of communication We will continue speaking through. 

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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, and # XXXX, has violated my rights. 

16 U.S.C 1681 section 602 A. States | have the right to privacy.

16 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Find CKS Prime on my credit report as attempting to clean it after a care provider took advantage of this XXXX veteran. Upon contacting CKS prime, I was told they hold the account for Velocity Investments at XXXX ( XXXX ) XXXX, and could not work with me. I called the number, and was received a recording for medic alert, and given the run around. I do not recognize these charges on my credit reports, as I would not, with a con-artist care provider abusing my money and credit while also playing a romance scam. I am just trying to clear my credit report, and given the run around, not even able to pay anything off if that were my intentions. Since CKS Prime can't verify Velocity investments they claim they are holding for, or give me contact to resolve anything, please remove all of those items from my credit report.
Product: Mortgage

XXXX XXXX XXXXXXXX XXXX issued an Assignment of Mortgage in error, but they claim they can not issue the correction because they sold the Servicing Rights to SPS. XXXX XXXX XXXX XXXX has called Select Portfolio Servicing several times XXXX and XXXX, we sent documents and, XXXX XXXX XXXXXXXX XXXX sent documents, acknowledging they were not the Noteholder or Investor, and that our Noteholder was XXXX, and XXXX acknowledge there is NO LIEN. SPS still refuses to issue the Correction of Assignment of Mortgage, There is No Assignment of Mortgage, there is No Mortgages, and No Liens.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have submitted disputes to the credit agencies according to the FCRA but they are not processing the disputes correctly and they are not attaching my FTC reports to the disputes. And I am not getting copies of the verification process
Product: Credit reporting or other personal consumer reports

Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you.Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report.Per XXXX U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputesThe CRRG standards state that in order to make a report, you must follow their guidelines. Any deviation from these standards jeopardizes the integrity of data. & quot ; This means any mistakes when reporting claims can have serious consequences for accuracy- which affects your federally regulated reports! With that said! I found some mistakes and inaccuracies in your report, which I would like to dispute/challenge.The following claims about me were not reported correctly and I am challenging these inaccurate statements. Please provide proof that the proper reporting standards were followed so this can be resolved immediately!
Product: Checking or savings account

In late XXXX I noticed some fraudulent transaction on my 5/3 bank joint checking account. The staff removed my remaining funds, open a new account and placed a {$500000.00} USD hold on my hacked account to prevent further fraud -it didn't work. And within less than a week the new joint checking account also had fraudulent activity. This was the first week of XXXX going into the holiday. I've been trying to close out all my accounts at 5/3 for the past 3 weeks. However, I'm told the fraud investigation is still ongoing so I can not close the account. Meanwhile the {$500000.00} USD is not preventing new fraud. So I have to call 1-2 times a week to open a new dispute, which means the account will be open perpetually. I've had a bank account for over 30 years and I have been a customer for over a decade at 5/3 bank and this is the only bank that has allowed my account information to be compromised multiple times and then creates obstacles to close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my credit file and there are many mistakes in my rep XXXX/ XXXX XXXX XXXX - XXXX : Unverified account XXXX/ XXXX XXXX XXXX XXXX XXXX : I have never paid late XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : Unverified account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX {$1800.00} Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/2020 My consumer right has been voiolated according to 15 us code 1681 ... .. inaccurate information is listed on my report which should be deleted immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax numerical times in reference to unknown addresses. I have previously had these addresses removed back in XXXX of 2019 After submitting a request to have them removed again permanently, Equifax informed me they were unable to find my file, needed additional identification so forth and so on., I have hired an attorney and we are in the process of taking this matter to litigation.. He has first informed me to send them Equifax a Affidavit Of Unknown Addresses accompanied with my social security card, copy of my birth certificate and additionally a utility bill that clearly states and has my name and Correct Address attached hereto., It is of and within my legal rights according to the FCRA Subsection 623 ( a ) for Equifax Credit Bureau ., TO PROVIDE ACCURATE INFORMATION., Duty to Correct and Update Information., A furnished that regularly furnishes information to CRAs is also required to notify a CRA if it has determined that Previously furnished information is not complete and or accurate and to Correct that information. I hereby send this Affidavit of Unknown Addresses for the addresses of 1 ) XXXX XXXX XXXX, XXXX Pa XXXX 2 ) XXXX XXXX  XXXX XXXX, XXXX Pa XXXX 3 ) XXXX XXXX XXXX, XXXX Pa XXXX I have exhausted all attempts with the unknown furnishes of addresses., This is my last attempt before filing a lawsuit in the Court Of Common Pleas., located in XXXX, Pa XXXX