23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX I've written XXXX, TU, and XXXX saying I don't believe this account is mine. No proof from them or XXXX I keep going back and forth with bureaus asking for debt verification/signed timeshare documents and all I'm being told is it's verified. I ask what information was provided? Who did the bureau contact because I get no response when I write XXXX - not even when I sent the letter certified USPS mail return receipt requested which they signed for on XX/XX/XXXX. If XXXX can tell XXXX  it's my debt how come neither company can send me the documentation used. The bureaus are not really looking into this and it's affecting my ability to obtain credit and it's causing me stress! I'm a XXXX XXXX  and right now moving essential supplies across this country requires my full attention and I'm distracted with this process going on for over 6 months. Enough is enough! 
I want this removed! It is not verified and I don't believe it is my account. I am attaching a credit report after the investigation and the certified receipt sent to XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX acct # XXXX, this previously deleted aged out /inaccurate account has reappeared as a new account sometime between XX/XX/XXXX and XX/XX/XXXX I have a right to a fair and accurate credit report. This aged out/inaccurate account is preventing me for obtaining credit,
Product: Credit reporting, credit repair services, or other personal consumer reports

A debt collection was added to my credit report that was not for me. The report was with Equifax that noted the collection through XXXX XXXX XXXX and was opened in XXXX for a debt from a doctor 's office visit ( XXXX XXXX ) in XXXX. I made a dispute regarding the collection on XX/XX/XXXX that I did not go to the office of XXXX XXXX in XXXX and that I had no outstanding balance with XXXX XXXX 's office. The dispute came back on XX/XX/XXXX saying that the debt was still there and that the collection still stands. After that, I spoke with the collection agency and XXXX XXXX 's office that first made the collections request, and they had nothing for me. Specifically, I had requested and inquiry with XXXX XXXX XXXX last week, and they told me to check in today XX/XX/XXXX. I called and left a voicemail at XXXX pm. They got back to me today at XXXX pm to let me know that the collection that Equifax is reporting wasn't for me but for someone with a similar name. Not the same date of birth either. XXXX  XXXX let me know that they would notate the account that Equifax was looking for that it was not for me but someone else. They mentioned that they could not give me any sort of letter that they have no collections for me because they had no account for me. This collection should not be anywhere near my credit report.
Product: Credit reporting

I am writing to dispute the following information in my file. The items I dispute also I have the attached copy of the credit report I received. Such as credit account, judgment, etc. ) Is ( inaccurate and incomplete ) I am requesting that the item be remove corrected. 
Please reinvestigate this ( these ) matter ( s ) and ( delete ) the disputed item ( s ) as soon as possible. And with another note the Telephone number and address of the account is incorrect those not exist there none information at all from this corporation.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX Account Name : XXXX # XXXX Account XXXX : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX  # XXXX UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am affected by the Equifax data breach of XXXX XXXX. I ca n't believe these XXXX ca n't even keep their XXXX secure. XXXX em.
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. 


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: Credit card or prepaid card

Square will NOT provide me proof of the said debt. I used square to process two of my clients transactions, both of which were not deposited into my bank account, Square claiming to have held the. To resolve my negative balance. This is all the information they will provide me with. I have tried for weeks to work with them, however, they will not return my money without proof of a report using the FTC website, which has referred me to here. Apparently, some random email address was able to attach to my Square business account for XXXX XXXX XXXX, and somehow created a negative balance however, this transaction I have not seen, nor will Square provide further documentation of this as I stated previously. The amount I have had withheld from me from card payments from my clients is roughly {$250.00}. Square will not disclose to me the exact amount of said negative balance. This is the extent of knowledge I have regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or repair the following items : 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 XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Checking or savings account

Summary of Complaint : Fifth Third Bank changed the status of two of my business checking accounts from " Basic '' to " Premium '' and " Elite '' without any communication to me at any time. This occurred the month after a change in checking account fee structure and minimum funds was announced. Fees for below minimum funds have totaled {$1000.00}, and Fifth Third has refunded {$320.00} so far, but say they do not refund any more to customers. The resolution I seek is refunding of the {$720.00} balance to me. 


I have spoken with bank representatives four times regarding this complaint, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all in XXXX. 


The two business checking accounts are : " XXXX XXXX XXXX XXXX '' acct - XXXX opened XXXX " XXXX XXXX XXXX XXXX '' acct - XXXX opened XXXX In XXXX and XXXX, I opened these accounts as " Business Basics Checking '', with no service charges for minimum balances. 


On the XX/XX/XXXX bank statements, there was fine print at bottom with a general statement, " Some of our fees are changing ... '' with no other specific information. 


The following month, XX/XX/XXXX statements show account XXXX was inexplicably changed to " Business Elite Checking '', and XXXX changed to " Business Premium Checking ''. No service fees were charged that month, and no communication was provided in explanation of any new fee structure. 


I did not request these accounts to be elevated to " XXXX '' or " XXXX '' levels, never received notification of these changes, and have never used any of the additional services available to these levels. 


However, it turned out that " Elite '' and " Premium '' accounts had minimum balance service charges. " Basics '' does not. 


Since then, fees for below minimum balances have been charged and money removed from my accounts whenever balances fell below the minimums set by the " Elite '' and " Premium '' policies. Through XX/XX/XXXX, a total of {$550.00} was taken from XXXX, and {$500.00} taken from XXXX. No fees would have been charged if the accounts were left at " Basic '' levels. 


After talking with bank representatives, the bank tried to remedy the situation by reversing service charges of {$75.00} on XX/XX/XXXX, and {$250.00} on XX/XX/XXXX. This leaves {$720.00} of money remaining to be returned to me. 


The bank says no further service charges can be refunded because " {$250.00} is the most we've refunded to other customers in the past ''. 


My uploaded documents show the bank statements where my checking account status was raised without permission or communication from Fifth Third Bank, and spreadsheet of minimum balance service fees charged.
Product: Credit card

Chase is saying that I filed 40 disputes when they have no evidence of it. I did not file all these. I have 4 maybe 5 maximum that I filed. The last dispute I filed was by phone and the guy clearly did not know what he is doing and must have filed it against all the recent transactions on my account.

I talked to 4 or 5 people now. The branch I went to was very helpful but they were clearly unable to help as this was a decision made by Chases credit card side.

I asked the supervisor on the phone for evidence that I requested for these disputes to be filed. By this I meant I want him to check the call recording and acknowledge that the chase employee filed all the other disputes without my authorization or permission. I only authorized one dispute against one transaction.

They were unable to provide the evidence or acknowledge that they messed up. If they can provide call recordings or clear app logs that prove that I requested all the disputes ( which they make it clear that every call is recorded ), I will be happy to let chase win this case and accept the loss of my credit cards.
Product: Debt collection

i have never done business with XXXX XXXX XXXX and they turned me into collections for XXXX to, Midwest Recovery, also midwest recovery is trying to get money out of me for a loan of XXXX which i have never inquired or received, as someone fruadgenltly assumed my identy,,,
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking over my credit report there were inquiries being reported on my credit report by Equifax. 
1.XXXX XX/XX/19 2.XXXX XXXX XX/XX/19 3 . XXXX XXXX XX/XX/19 4.  XXXX XXXX XXXX XX/XX/19 I have also disputed with the creditors as well, I send them a letter that I have attached to this complaint, and Equifax is still reporting these fraudulent inquiries. 
I also tried disputing this online with the credit bureau but it does not allow me to. I tried calling and no help. Equifax is reporting NOT YET PROVEN COMPLIANT INFORMATION that requisites DELETION to avoid civil suit! They have detailed on my current Equifax Credit Report several ALLEGATIONS of inquiries that have NOT been adequately verified in a COMPLIANT MANNER as mandated per the FCRA METRO 2 reporting regulations, namely that they do not HAVE VERIFIABLE PROOF of PERMISSIBLE PURPOSE and the chichanary led subterfuge is UNLAWFULLY injurious to my credit and reputation which is a CLEAR INFRINGEMENT of my consumer and civil rights. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Obviously this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Checking or savings account

I observed charges of {$1.00} per transaction on my bank account, notably on XX/XX/21 and XXXX, along with other occurrences throughout this month. These deductions, totaling {$1.00} for each transaction, have raised concerns about the consistency and frequency of these fees. I would appreciate a detailed breakdown of these charges, seeking clarification on the nature of transactions triggering this fee. Understanding the specifics will aid in managing my finances more effectively and addressing any potential discrepancies. Your prompt attention to this matter is crucial for resolving and preventing further complications with my account.
Product: Mortgage

XXXX XXXX XXXX. as " Trustee '' for the RMAC Trust, Series XXXX is a FRAUD. XXXX XXXX, along with servicer Rushmore Loan Management Services LLC. are attempting an ILLEGAL FORECLOSURE of my home in XXXX XXXX, Ca. XXXX XXXX XXXX. for the RMAC Trust, Series XXXX is NOT my trust!! My " Original '' Lender was XXXX XXXX XXXX in XX/XX/XXXX. My " Original Trust '' was XXXX Asset Backed Certificates Trust, XXXX, and NOT the RMAC trust. My " Original '' Trustee is XXXX XXXX XXXX XXXX - NOT XXXX XXXX. All is FRAUD. XXXX XXXX was fined XXXX XXXX dollars in XX/XX/XXXX for filing FRAUDULENT Proof of Claims as " Creditor '' in ChapterXXXX Federal Bankruptcy cases. In XX/XX/XXXX, XXXX XXXX filed a FRAUDULENT Proof of  Claim in my bankruptcy case. XXXX XXXX as Trustee for RMAC Trust, Series XXXX DOES NOT OWN MY NOTE, nor does Rushmore Loan Management Services LLC. They filed a FRAUDULENT Corporate Assignment of Deed of Trust in the XXXX XXXX County Recorder 's Office the same day that their law firm, XXXX XXXX attempted a Trustee Sale on my property. They are liars, and they do NOT own my loan, secured by my property. MY old XXXX XXXX XXXX is an UNSECURED DEBT, due to improper securitization and the failing of XXXX to deposit my loan into the trust. XXXX investors were paid off for these trusts by the XXXX XXXX and XXXX XXXX 's agreement to have XXXX XXXX XXXX re-purchase loans. XXXX XXXX sold my loan to Rushmore Loan Management Services in XX/XX/XXXX, when they sold off XXXX pools of NONPERFORMING LOANS with FATAL DEFECTS to investors. My loan was in the Rushmore purchased pool. I have demonstrated, in writing on no-less than 20 separate occasions, to ALL PARTIES INVOLVED that my loan is an unsecured debt, and that they do not have THE LEGAL RIGHT TO FORECLOSE ON MY HOME. I WANT XXXX XXXX as Trustee for RMAC Trust, Series XXXX AND Rushmore Loan Management Services LLC to finally, once and for all PROVE that own my note ( with all legal endorsements ) and I want to see ALL THE ACCOUNTING IN MY MORTGAGE COLLATERAL FILE. THEY ARE FRAUDSTERS AND ARE BREAKING THE LAW AND STEALING HOMES THAT DO NOT BELONG TO THEM.
Product: Prepaid card

My account was compromised.I never received my card. charges where made using the card and I had no involvement in I noticed Bank of America several times and disputed transaction several times times with out the situation being rectified I just dont know what to do and cant afford a loss of this magnitude please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am writing to dispute fraudulent charges on my account for the account numbers, amounts and dates listed. I am a victim of identity theft, and I did not make these charges. I request that you remove the fraudulent charge and any related finance charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you stop reporting this inaccurate information and report the correct information to all of the nationwide credit reporting companies ( CRCs ) to which you provided it. 

Enclosed is a copy of my FTC Identity Theft Report, credit report, and account statement showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the Notice to Furnishers of Information issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRCs. 
Please investigate this matter and send me a written explanation of your findings and actions. 
Sincerely, COMPANY ACCOUNT NUMBER AMOUNT DATE XXXX XXXX {$580.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Our mortgage was transferred from XXXX XXXX to Mr. Cooper. In Mr. Cooper 's letter of XX/XX/2023, we were notified that derived from its escrow analysis there would be a shortage and the amount needed to bring the account current would be {$2200.00}. In past years, prior to Mr. Coopers acquisition of our mortgage obligation from XXXX XXXX, when such an analysis had resulted in a shortage, we paid that amount, primarily to keep our payments as steady as possible as we rely on fixed incomes. Therefore, we paid this shortage but to our amazement and utter surprise, we have been informed that the monthly payment would still increase as the action of paying the shortage did not result in what we were attempting to accomplish. 

In several conversations we have been unable to get an answer to why the monthly payment amount has changed so significantly. As noted in these calls to their representatives, my understanding of the escrow analysis and the subsequent is that he analysis is a projection of, and for protection against any shortage during the ensuing 12 months. Additionally and more importantly, the information provided by Mr. Cooper on its internet page states : You can prevent this additional monthly payment increase by paying the shortage as a lump sum before the new payment effective date, but this lump sum payment is not required and is completely voluntary. We paid the shortage. The staff members to whom we spoke say this is not the procedure and there is no recourse. Our monthly payment amount increased.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX & I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE THE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT & REQUEST.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is a follow up for COMPLAINT # XXXX. I have reviewed my consumer report and found the following accounts are reporting inaccurately. These accounts are reported as late payments, unpaid balance and potentially negative. Credit reporting agencies have a duty to report consumer information to the best of their ability with 100 % accuracy! Please perform a thorough investigation and provide me with proof of these inaccurately reported accounts. If proof can not be provided, I demand these accounts to be corrected as positive and on time payments and zeroed out balance. 

ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT OPENED ON : XX/XX/XXXX ACCOUNT BALANCE : {$140.00} ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT OPENED ON : XXXX XXXX ACCOUNT BALANCE : {$560.00} ACCOUNT NAME : XXXX XXXXT NUMBER : XXXX ACCOUNT OPENED ON : XX/XX/XXXX ACCOUNT BALANCE : {$0.00} ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT OPENED ON : XXXX XXXX, XXXX ACCOUNT BALANCE : {$5500.00} ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT OPENED ON : XX/XX/XXXX ACCOUNT BALANCE : {$340.00}
Product: Credit card or prepaid card

i dont want to make a complaint. i dont want any scripts. I am questioning the dispute process with capital one and also want to ensure that unlike in the past this time its handled properly On my card ending XXXX i am disputing the car rental chrges from XXXX due to problems. XXXX XXXX XXXX no one wants to refund me after i was deceived and lied to about deposits and after they tried to scam me with saying i did not fill car up with gas when i did. I got that back but went through a lot so i want to know why i dont have a PERMANENT credit by now its been 6 weeks credit of XXXX dollars PERMANENT XXXX would have answered by now. Also i want to make sure that its CLEAR i did get the service so if they produce receipt that should NOT be the end of it. I got the service but had many problems. BAd car, over charged lied to about deposit for car. XXXX XXXX XXXX XXXX and XXXX enjoy HORRIBLE reviews and reviews of scamming history. please credit me permanently asap and take it from them IT has been long enough. Most banks would have credited it by now. I cant use the cards until this is done. please no scripts or telling me i have called CS or telling me it has not been long enough it has. please credit me for all i have endured PERMANENTLY from XXXX. who told me to call XXXX XXXX XXXX  for refund and vice versa someone care about my time and well being.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is showing incorrect addresses for me that I never resided or inaccurate addresses. The addresses that are not mine are : XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX XXXX. ) XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Tx XXXX XXXX. ) XXXX XXXX XXXX XXXX, XXXX, La XXXX