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

The credit agencies continue to disregard and violate me. I've been asking all three credit agencies for 30day verification of debt else removal. Since XXXX I've been sending them certified mail with return signature including dispute letters, FTC reports, police reports and supporting documentation of fraud and stolen identity. The agencies removed some items then they continue to reappear under another collection agency. Some of the alleged debt hasn't been removed at all. None of the debt can be verified with my signature, original contract or anything. Also there's dates on both of my mortgages reporting late since XXXX and XX/XX/XXXX. I sold the house on XX/XX/XXXX. Additionally, I froze my credit yet inquiries are still ran. Two companies ran over 40 inquiries each in less than a year. The credit agencies never removed them I've been requested the following below. 

1. The amount of the debt : A detailed breakdown of the amount you claim I owe, including interest, fees, and any other charges. 
2. Proof that the debt is mine : Documentation showing that I am legally obligated to pay this debt and the original creditors name, which, according to your records, is XXXX. 
3. Evidence that your agency has the right to collect this debt : Please provide proof that you are authorized to collect on behalf of the original creditor or that you have purchased the debt. 
4. Details of the original transaction : A copy of the original contract or agreement showing my signature, and any supporting documentation to substantiate the claim. 
Additionally, please provide proof that this debt has not been paid, settled, or discharged. If this debt is the result of identity theft or a mistake, I request that you remove any records related to this debt from my credit report. 
Please be advised that until this debt is validated, you may not continue to report it to any credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Monday, XX/XX/XXXX From : XXXX XXXX : XXXX XXXX 
XXXX XXXX XXXX XXXX, TN XXXX SSN : XXXX | XXXX : XX/XX/XXXX TO : TransUnion XXXX XXXX XXXX XXXX XXXX PA XXXX I recently reviewed my credit report and found unauthorized inquiries. 
I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other.

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Enclosed I have included a copy of my government issued ID and my Social Security XXXX. 

Thank you, The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX XXXXnquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Product: Credit reporting or other personal consumer reports

On XXXX  I sent a letter to XXXX XXXX to remove an alleged account from my consumer report that was the product of identity theft. I have not received a response nor has XXXX XXXX complied with my request which has been more than 30 days and is in violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached is the letter that was mailed on XX/XX/XXXX  and an updated FTC identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX reported a FTC report on TransUnion on Tuesday XX/XX/2021 for reporting fraudulent and erroneous accounts on credit report. 

TransUnion is in violation for reporting fraudulent and erroneous accounts ( listed Below ) These accounts below are in litigation for : Violation of 15 USC 1605 and 15 USC 1681.

15 USC 1681 ( a ) 3, 15 USC 1681 ( a ) ( b ), 15 USC 1681 ( a ) 2 ( b ), 15 USC 1681 ( b ) ( a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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

in accordance with the fair credit reporting act XXXX XXXXXXXX XXXX Account # XXXX XXXXXXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights 15. U.S.C 1681 section 602 A STATES I HAVE THE RIGHTS TO PRIVACY 15.U.S.C1681section 604 a section 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Chapter XXXX Bankruptcy Chapter XXXX Bankruptcy 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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: Mortgage

in XX/XX/XXXX I applied to Amerisave Mortgage for refinancing my real estate properties. They took my applications, charged me fees, completed professional appraisals and indicated there was no issue and they can fund the new loans. From XX/XX/XXXX to XX/XX/XXXX they kept asking for documents after documents and dragged on the process with one unfulfilled promise after another!. Although I provided all documentation they asked for, in XX/XX/XXXX they tell they can not close the loans. I went with another lender and they had no problem with refinancing loan. Amerisave lied and collected fees from me without delivering what they promised. I want my money back and file a complaint against improper practices by Amerisave.
Product: Checking or savings account

I had a checking account with online banking at BofA. At some point several years ago I established an automated transfer of {$320.00} once a month to a checking account at another financial institution. At some point, I don't know when but I suspect probably during a system conversion or a new online banking app conversion or maybe a product conversion the automated transfer was not viewable in online banking where external transfers are managed. The transfer continued to occur every month and after several attempts at researching at BofA and the receiving financial institution, I could not get the transfer turned off. I spent several hours in different phone conversations. It was always very difficult to get connected with someone appropriate to talk to at BofA. I decided to close the account. After the account was closed, the transfer is still happening each month. {$320.00} leaves my current financial institution checking account and because the account that previously received it is closed, the {$320.00} transaction is rejected and the {$320.00} is returned to my account. IT IS NOT BEING INITIATED BY MY CURRENT FI, it is being initiated by an ACH transaction from BofA. I have since spent a couple of more hours trying to resolve the issue with BofA, including a social media complaint and a phone call that took at least 40 minutes. I feel my only solution now is probably to close my account at my existing FI also but I really don't feel I should have to do that. I can't afford more hours trying to find someone at BofA to fix this though.
Product: Credit card or prepaid card

XX/XX/2020 Attention : Customer Advocacy Department. 
CC : Consumer Financial Protection Beureau. 
XXXX XXXX XXXX XXXX XXXX, VA XXXX I'm very upset, Agent XXXX   # ( XXXX ) really upset me with her lock of professionalism and willingness to help during this difficult times we are all facing, completely unacceptable! Someone like this should not be the face of Capital One. I believe she is located in VA. 

I had made a phone call on XX/XX/2020 to inform that I had been affected and I had been temporarily furlough from my job due to Covid-19 and requested an extension. I called again on XX/XX/XXXX to informed the situation remain the same and to ask for an additional extension because the state/county I live in still closed. Come to find out I had been charge a late fee for XXXX which I was not aware of, I explained to her my situation and she didnt help me and as a supervisor she was rood and didnt even take the approach to do whats right. I encourage you to listen to our conversation if it was recorded. How could I be charge a late fee if Im not back to work yet??? however, since I called back in XXXX I thought it had been taken care of, she stated I should have called back for XXXX as well, I really thought it had been handled, I wasnt aware I needed to or I dont remember being informed at this point to be honest, with the call I made in XXXX which I mentioned to her and tried to explain but she didnt listen. She refused to work with me on neither removing late fee or willing to work with me by giving me another extension, I have been very stressed and frustrated dealing with unemployment payment delays and I was only asking to work with me and to prospone payments, she was completely apathetic. For the record I have 2 other major credit card companies that have worked with me and even sent me a letter without a request extending as far as XXXX, showing how they are sympathetic and care about their customers. I cant believe that someone as Agent XXXX who is a ( manager/supervisor ) showed so little/none effort to help and she represents Capital One. It really affected me after I hung up the phone I was very very upset and disappointing that I had to battle with her to get some forgiveness until the situation in the country goes back to normal with no success at all. I thought capital One was a reputable institution. I advise that this Agent needs either coaching or be disciplined. With that being said, I will try to pay the balance as soon as I possibly can, as I have done in the past and I will cancel my Card with Capital One immediately after that. I will not use Capital One or recommend to anyone in the future. Very bad experience!! 

FYI I will also follow a formal complaint to the Consumer Financial Protection Bureau. 

Regards, XXXX. XXXX XXXX XXXX : XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX
Product: Mortgage

My Mortgage server Shellpoint mortgage refused to remove fraudulent added fees added to the end of our mortgage. {$1600.00} in additional fees were added to our account with only around {$2000.00} remaining. They gave us several stories that they were attorney fees but couldn't provide evidence of where an attorney was ever used concerning our mortgage. 
The mortgage changed companies several time in the last the last year. Ditech was the last company before Shellpoint. I feel this was a way to tack on additional fees to make the loan profitable for them buying loan papers so late in the mortgage. This company also refuses to send over my Cancellation of Security Deed. Georgia  Law requires they have this be filed with the Court Clerk in my County 60 days after we paid off the loan. I paid the additional fees plus the mortgage balance to get it out of Shellpoint hands because they threaten to foreclose if they were not paid the fees. I talked to other mortgage holders and they said Shellpoint did their mortgage the same way. Added additional fees on the tail end of the mortgage. Basically because its the only way for them to make money on a loan where all the interest has been paid. I'm seeking my {$1600.00} in fees refunded and the {$500.00} in damages Georgia Law requires because the Deed Satisfaction was not provided 60 days from the date of pay off to be recorded with the Superior Clerk of XXXX  County Georgia.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. Experian is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

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

I noticed there were several unauthorized inquiries on my consumer report : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have a checking account with an joint owner. The joint owner transfer like {$4500.00} into our checking account on XX/XX/year>. I knew my debit card was lost but I thought it was somewhere in our home. Come XX/XX/year>XXXX  we realize my debit wasn't in our home simply because {$4100.00} of none authorize charges was pending in my account. We immediately contacted Navy federal Credit Union about this and they immediately locked me out of my online banking app so I couldn't dispute online nor over the phone. We had to put it in writing. Which we did several times and got around. They would say they never got it or they got it and things weren't clear. This went on for a week straight. On XX/XX/year> we finally get access to the account by that time we were already headed to the Ohio branch because Michigan does not have a local branch. The Banker at the branch help us got all the cards closed and reissued and help us with the fraud claim and advised us to make a police report. XX/XX/year> we call navy federal back to update the fraud claim with the police report and was informed the claim was closed because they seem no fraud was taking place. But on the XXXX of XXXX the bank teller advised us that someone name XXXX XXXX was trying to pay their internet bill with his card during that time reason for the return fee. We didnt make these transactions at all. Not understanding why my account wasnt flagged for these activites or even notify me about the investigation. I have then put in an appeal. If nothing get resolved or if the investigating team doesnt contact me, I will take a further step in getting a lawyer involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX, I reached out to the court because of a freeze they had placed on my XXXX checking account. The court administrator advised me that they had already reached out to XXXX and asked them to release the funds. They provided me a letter so that I can also go to the branch and asked them to release the funds. The branch administrator took a copy of the letter and faxed it to the department to release the funds as they could not do it at branch level and asked me to wait two days. I then called the department and asked them for a status and they claimed they did not have the letter and that I could not fax myself, therefore, I should ask the court to resend. I contacted XXXX XXXX at the court and she said she would call them directly. I again waited. I called the department again and they asked me to send a copy of the letter electronically which I did. I gave them time to research and still the funds have not been released. I again attempted on XX/XX/27 by calling them and they said they would look into it. It is now XXXX and the funds are still on hold, almost 3 weeks unnecessarily. This has caused me a burden and I was not able to pay my bills on time. I asked that they release my funds and for this inconvenience and are penalized twice for this inconsideration.
Product: Credit card or prepaid card

Sears Mastercard Billing Dispute and Fraud XXXX XXXX XXXX XXXX XXXX, SD XXXX Re : Citi Bank Billing Disputes Mastercard : XXXX  _____________________________________________________________________ Sears is giving me the run around and I should have to go through this. I have sent over thirty pages by fax 4 times to their billing dispute department and every time I call, it highly appears they are lost or can not find any of the documents I sent to them about the merchant that deceived me for several months by theft by deception with false impressions for him to obtain a very large financial benefit from my credit card. By this merchants misconduct he knew my XXXX child needed XXXX XXXX XXXX XXXXs and the merchant withheld that information from the family court since XXXXX XXXXXXXXXXXXXXXXX/XX/XXXXX/span> just to get money, and he left me special needs child 's life dangling by a string and he did not care if my son XXXX or live. This merchant cause harm and damaged my XXXX XXXX  child and put his life at risk causing a forced removal away from his medical treatments, rehabilitations, and specialize team of medical specialist. I had to hire another merchant lawyer to clean up this mess in a emergency, as this merchant XXXX XXXX of XXXX XXXX XXXX never appeared in court or filed a court motion ever. I found out the truth on XX/XX/XXXX when the family court clerk told me this merchant XXXX XXXX was never on any record in the Court ever. My family and I have been through so much and now Sears whats to play games and cause more unwarranted hardship, even after I sent them over 30 pages with proof. I have filed a complaint in the US Dept of Justice against this merchant for the violations he has conducted and that it other victims he did this to going back to XX/XX/XXXX when they filed lawsuits against him for the same misconduct. Please he this company fight for me and not against me to cause more damages. Because of this horrible merchant and his deception, my case went to the second highest court in the the state of new jersey called the Appellate Division of Superior Court costing me a financial lost of over {$25000.00} now and damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove inquiry, I do Not have any recollection of the inquiry made by your company nor did I physically sign any consent papers to have my credit ran under any circumstances.
Product: Credit reporting or other personal consumer reports

These accounts are illegal and I have already made an identity theft report. These collections are fraudulent. I've hired a credit specialist and I've placed security alerts on my bureaus. This is my second time having this issue with these accounts and inquiries that I did not authorize. Please remove them ASAP XXXX XXXX Date opened XXXX XXXX XXXX {$810.00} XXXX XXXX XXXX date opened XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX Date opened XXXX XXXX XXXX {$3700.00} XXXX XXXX Date Opened XXXX XXXX XXXX {$7000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$32000.00} XXXX XXXX XXXX XXXX XXXX {$5200.00} XXXX XXXX XXXX Date Opened XXXX XXXX XXXX {$1000.00} XXXX XXXX Date Opened XXXX XXXX XXXX {$5200.00}
Product: Student loan

I have so much issues with this XXXX XXXX XXXX jump the XXXX to my drop add date and caused me a overpayment that won't give me clarity proper documents and now ed financial keeps telling me they don't bave the reformation paper work I'm about to file a civil rights claim
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently conducted a ANNUAL review of my Credit Reports. I noticed a HARD INQUIRY, by CLARITY SERVICES INC, on my XXXX  Credit Report ( See Attached ). I called CLARITY SERVICES INC and they said they are PART OF XXXX, and they did a HARD INQUIRY on my XXXX  Credit Report because of a Payday Loan I applied for in XX/XX/2018. I have never heard of CLARITY SERVICES XXXX, and when did Payday Loan companies start doing HARD INQUIRES on applicants ' Credit Reports?! 
I asked CLARITY SERVICES INC to mail me a copy of the Payday Loan Application that I signed CONSENTING to a Consumer Credit Report Inquirythey sent a packet of worthless paperwork, but they did not send the documentation that I asked for.
Product: Credit card or prepaid card

In late XXXX  I recieved two vanilla gift cards as a gift - one of them suddenly stopped working with ~ {$80.00} remaining in balance. After at least 10 attempts to get ahold of the company through their customer service phone number, email, and social media pages - I was not once able to get ahold of anyone ... spending hours of my time in an attempt to get in contact with anyone at all that could help resolve the situation. 

At this point, after the time spent, with a seemingly non-existent customer service team- i can not continue to try to resolve this on my own.