23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

These companies are violating my rights they have not provided validation information under 12 CFR 100634 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently. I am entitled to monetary compensation for the multiple listed violations. There are two things they can do, delete the accounts effective immediately or they can compensate me. I have attempted to fix this issue directly with the company. They are now violating my rights and I will be seeking compensation if this is not removed and updated.
Product: Debt collection

I have received a phone call every day since XXXX/XXXX/15. Asking for someone who I do n't know. I have repeatedly asked them to update their information. They constantly ask for my birthday and social security number.
Product: Credit card or prepaid card

I am a victim of fraud as a credit card ( COMENITYCAPITALBANK/IKEA PROJECT CREDIT CARD ) was opened in my name and charged without my knowledge or consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX LA XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed an inquiry on my credit profile from Exeter Finance LLC/XXXX. Ive never applied for any services with them. Ive contacted the company directly 4 times asking them to remove this inquiry but they just give me the run around. Theyre not able to verify that I applied. I asked them to provide the IP address for the computer/mobile device used the day of the alleged inquiry from me and they were unable to provide one.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was denied a loan due to an erroneous collection on my credit report. My bank informed me of a XXXX collections on my credit report from Enhanced Recovery from Direct TV in the amount of {$410.00}. I was never contacted by phone, mail, or email by them about any money I owed. I do not have any outstanding bills for this amount and do not owe them money. As this is causing negative marks on my credit, I would like for this to be completely removed from all XXXX credit bureaus, promptly. I have an attorney that is ready to represent me with a law suit if this is not taken care of. These negative marks have caused me to be denied for a home loan. I want this taken care! I have disputed this account over and over and never get validation or proper documentation. TAKE THIS OFF MY CREDIT!!! YOU ARE XXXX COLLECTION AGENCY TRYING TO COLLECT A DEBT THAT HAS BEEN TAKEN CARE OFF YEARS AGO! THIS DEBT WAS PAID THROUGH CENTURY LINK AS A BUNDLE!!! REMOVE THIS OFF MY CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove personal information, address, account name & account Number that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$180.00} XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Balance XXXX {$75.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$270.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$920.00} XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX  XXXX Medical XXXX Balance XXXX {$170.00} Medical XXXX Balance : {$180.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$180.00XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX ) XXXX XXXX : {$220.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX XXXX : {$340.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$75.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX  XXXXXXXX XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$180.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$270.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$920.00} XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX MEDICAL ) XXXX Balance : {$190.00}
Product: Mortgage

I purchased a house in Massachusetts back in XXXX with Countrywide Bank in the amount of $ XXXX. In XXXX I could not afford my mortgage payments and the bank initiate a short sale process in my primary house. I tried to negotiate with BOA but the Bank did not want to make a fair agreement. My house was sold to a 3rd party for a half of the amount owed to BOA. 
Bank of America owned both mortgage by then. The house was sold in XXXX. In my perspective both loans will be cover by the sale. BOA never informed myself that I could have a deficient judgement against me. Few weeks a go a collection name XXXX XXXX XXXX XXXX contact me trying to collect an AMOUNT OF {$61000.00} saying that Bank of America transfer my 2nd Mortgage to them in XXXX XXXX. At this point the house was not even sold and I was living in the house. 
My complaint is : How come BOA sold this loan to a collection before the house was sold? 
Unfortunately I did not had any legal support in order to give me and my family orientation in regarding to remained balances of this mortgage. 
How came they want to came after myself with both loans was done when the house was purchased. 
Please help me to solve this situation. If this is true I would need to file for bankruptcy since I do not have the funds to pay.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute inaccuracies in my credit report as maintained by XXXX. Despite multiple attempts to correct the information, XXXX, XXXX XXXX TransUnion has failed to take the necessary actions. The issues are as follows : I have previously submitted requests to XXXX, XXXX XXXX TransUnion to resolve these issues but have not received any appropriate corrective action. I am seeking your assistance to ensure that my credit report reflects accurate and up-to-date information. 

Thank you for your attention to this matter. 

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

These incorrect reporting accounts are adversely affecting my credit report and costing me tons of unnecessary interest every year, This is not a regular dispute I have also filed a complaint with the XXXX XXXX XXXX and federal trade commission because to my knowledge I do not recall any of these accounts. I need this problem addressed immediately and I should not have to wait another moment especially when it has already been 60 days just to receive a response because is clear you guys are just ignoring my request when you are suppose to assist me as a consumer. I demand these accounts be deleted immediately or I will have to file litigation for the stress you all have caused me. I read under Section 611 ( a ) it plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly isnt that what the law states.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following inaccurate information on my credit report. The items in question are : XXXX XXXX Account # XXXXXXXX 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  Despite my previous request for verification, the creditor has failed to provide any proof or documentation to substantiate their claim. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies and furnishers ensure all information reported is accurate, complete, and verifiable. 

According to Section 611 ( 15 U.S.C. 1681i ), the credit bureau is required to conduct a reasonable investigation within 30 days ( or 45 days if additional information is provided ). The burden of proof lies with the creditor to verify the accuracy of the information reported. Since the creditor has not provided sufficient evidence, I request the immediate deletion of this item from my credit report.

Failure to comply with this request is not only a violation of the FCRA but also subjects the credit bureau and the creditor to potential penalties. The FCRA provides for statutory damages of up to {$1000.00} per violation, actual damages, punitive damages, and attorney 's fees for non-compliance.

In addition, I request a detailed explanation of the investigation process and the specific evidence reviewed. If the information can not be substantiated, it must be deleted promptly as required by law.

I also request the Method of Verification ( MOV ) for how this information was verified.
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of significant concern regarding XXXX XXXX XXXX XXXXXXXX that is appearing on my credit report. Despite my best efforts, I have been unable to verify why this account is reflecting on my report. This situation has not only caused me undue stress but has also resulted in denials and questioning of my credibility by lenders. It is imperative that this issue be rectified immediately. I demand a thorough investigation into the legitimacy of these accounts and request solid proof that they indeed belong to me or were initiated by me. Without such evidence, I insist that these accounts be removed from my credit report without delay.
Product: Student loan

I have had this loan for 18 years which first was {$2000.00} student loan it is now XXXX Navient traps you into a loan that is unpayable. The daily interest is charged to this loan i have tried to convert this into a fixed rate which they do not do. I need help understanding why i owe XXXX XXXX my loan in interest.
Product: Checking or savings account

I was charged {$10.00} for moving money back and forth from checking to savings on my phone, I was told by the bank if I withdraw more than 4 time at an atm a month I would receive the penalty, I specifically asked what if I use my phone, I was told that was ok, after receiving the penalty I contacted the bank and was told it didn't matter that I used my phone and there was nothing they could do.
Product: Debt collection

In XXXX of XXXX, I sold a house I owned in XXXX, CA. I called XXXX XXXX XXXX to close my account ( XXXX XXXX and internet ). The gentleman on the phone gave me instructions on how to return the modem ( through XXXX store, which I did within 2 weeks ) and said a kit would be sent to me so I could return the DVR. I gave them my forwarding address. I never received the kit. The following month and for the next two months, I received a bill at my forwarding address ( interesting they could get a bill to me, but not the kit? ) for non-return of equipment. Each month I called them to tell them I hadn't received the kit. Each month, they said they had sent it. I asked them where they sent it, but they said they couldn't look that up. They promised to send another kit each month, each month I verified that they had my forwarding address. I never received a kit. Then, I received a notice that they were sending the bogus, non-return fee to collections. I finally got hold of a supervisor and after about a half-hour, she was able to see that they had been sending the kits to my old address ( the house I had sold ). She verified my forwarding address and sent a kit. I told her that this better not show up on my credit report and she said it wouldn't as soon as they received the equipment. I sent the equipment back the day I received the kit and thought no more about it. A couple of months later, I checked my credit report and the collection was on it ( {$240.00}, XXXX XXXX XXXX ). I first filed disputes with the credit bureaus and they wouldn't remove it. I then called XXXX XXXX XXXX AGAIN, got hold of someone who said I owed {$3.00} and change, but the collection should not be showing. I paid the {$3.00} over the phone and she said she couldn't send me anything in writing ( WHAT? ), but that all the bureaus would be notified that the account balance was XXXX. The collection dropped off my credit report for about three months, then it mysteriously reappered. I disputed it again with the credit bureaus and they sent the dispute to the collection agency ( Diversified Consultants, XXXX XXXX XXXX, XXXX, MI XXXX ). Diversified Consultants sent me a letter saying they had received the dispute, but I also had to write a letter to them disputing the charge, which I did on XX/XX/XXXX. Today I received a letter from Diversified Consultants stating that they investigated the case and they will not remove the collection. I don't know what else to do-it 's affecting my credit. XXXX has closed my credit line and it's starting to hurt me financially. XXXX XXXX XXXX wont send me anything in writing. HELP!
Product: Checking or savings account

I submitted a fraud case my billing and delivery address does not match where the company sent it and my bank not helping
Product: Credit card

Apple Card/Goldman Sachs failed to properly investigate my claim of improperly billing of interest rates on my account. Goldman Sachs failed to inform me of the conclusion of any investigation.
Product: Money transfer, virtual currency, or money service

I was scammed from apple pay and XXXX. Requested a refund and my bank refused. I have the amounts and the cash transaction : XX/XX/XXXX XXXX XXXX dollars from XXXX XXXX XXXX. 
XXXX XXXX dollars case XXXX XXXX transaction XXXX. 
XX/XX/XXXX XXXX dollars case XXXX XXXX transaction XXXX. 
XX/XX/XXXX XXXX dollars case XXXX XXXX transaction XXXX. 
XX/XX/XXXX XXXX dollars case XXXX XXXX transaction XXXX. 
XXXX XXXX dollars case XXXXXXXX XXXX XXXXransaction XXXX. 
XXXX XXXX dollars case XXXXXXXX XXXX transaction XXXX. 
XXXX XXXX dollars case XXXX XXXX  transaction XXXX.
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. 
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 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 XXXXXXXX
Product: Checking or savings account

Initially opened a IRA CD with State Farm Bank. Subsequently, State Farm Bank exited the banking business and transferred my account to US Bank. 

My IRA CD, now with US Bank, matured on XX/XX/2023 with a balance of {$13000.00}. I phoned US Bank on XX/XX/2023 to redeem the CD. US Bank mailed me a form to close the CD. I completed the form and sent it back to US Bank during the second week of XX/XX/2023. A month later I received a form letter from US Bank indicating that they could not redeem the CD as the CD number was excluded from their form. It should be noted that US Banks form was pre-populated with my IRA Account Plan Number, which apparently is different than the CD number. I recompleted and submitted the US Bank form on XX/XX/2023. 

I called US Bank on XX/XX/XXXX and XX/XX/2023 inquiring about my CD redemption. I was advised by US Bank that they were backed up and could not provide a date when I would receive my redeemed CD. 

It has been almost three months since my CD matured and I still do not have my money.
Product: Checking or savings account

XX/XX/21 XXXX XXXX withdrew {$200.00} at XXXX ; XXXX XXXX from my capital one 360 checking account without my authorization, I never heard of this company before and how they got my account information, XX/XX/21 {$250.00} at XXXX ; XXXX XXXX and XX/XX/21 {$250.00} was withdrawn a total of {$710.00} these errors must be corrected and on my bank statement has a telephone number XXXX TX it seems like only capital one 360 knows where the money went. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX- Card  was stolen/lost. Reported to BofA, received new card with the same number XX/XX/XXXX - Fraudulent charge for {$1300.00}, reported immediately and was notified that chip was used ( likely the lost card, which number was not changed ). Received {$1300.00} credit. 
XX/XX/XXXX - Notified that claim was found to be legitimate due to chip usage and {$1300.00} credit was reversed ( balance of {$0.00} ). I requested claim be reopened, same result. 
XXXX XX/XX/XXXX - Filed police report on advice of BofA, sent police report to BofA and asked case to be re-opened, was assured this would be resolved quickly. 
XX/XX/XXXX - Received letter from BofA stating the claim has been resolved in my favora and a credit would be added to my account. No credit was added. I called back to BofA and was told they would reopen my case to get the credit added. 
XX/XX/XXXX - An ADDITIONAL {$1300.00} charge was added to my account by fraud claims. Now BofA is taking {$1300.00} from me ON TOP OF the original {$1300.00} fraudulent charge. 
XX/XX/XXXX - Call back and BofA tells me the reopened claim was denied, initially claims that they did not receive the police report and I would need to resend ( which I did ). However, a supervisor ( XXXX from Texas ) then confirms that they received the police report. Same supervisor then told me they need to reopen the claim again and require 10 business days to resolve, and that they can not resolve the problem immediately.
Product: Debt collection

I 've attempted to set up several payment plans, I never get written communication verifying that payment plan and then when I call back they said it does n't exist or that I never paid and wont set up another one. They are very rude, they threaten, the make judgmental statements about you. I 'm willing to make monthly payments but they wont make the amount something that fits within my budget and they are now saying they will garnish my paycheck without letting me make payments. They are the worst company! I do n't even know why a hospital would ever use them!
Product: Vehicle loan or lease

I purchased a car from XXXX XXXX XXXX XXXX XXXX and was not given full disclosure in regards to finance charge and required by dealer to place a XXXX dollar down payment when purchasing a vehicle with my consumer credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am having an problem trying get information from two of the credit reporting agencies and am hoping your company can lend assistance. TransUnion and XXXX are reporting a bankruptcy on my credit file though they will not provide me information that allows me to confirm. The XXXX Court systems stated they would not supply me or any third party information and when I accessed public records the only items I can locate are about a speeding violation. I am asking once again what information they have and how they obtained the so called information. If they are reporting something they should be able to validate the information. If I am unable to obtain it then how are they? 

I have attached the document showing what can be found and one of those XXXX XXXX is not me.
Product: Mortgage

2013 what are you doing to bring XXXX /wachovia bank /wells fargo bank for fradulent forclosure and theft of my property loss in excess XXXX, XXXX dollars, why have you not protected me as a consumer