23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I'm having trouble disputing and removing a collection account on my report. 
On XX/XX/18 I submitted an dispute for Hunter Warfeild via XXXX in the amount of {$3300.00} based on the grounds of Fraud/Not my mine which the finial Result was : Verified As Accurate And will likely stay on my report. 
This is incorrect, I have NEVER opened or had any account with creditor XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is an rental management company that I have NO knowledge of/Rented from/Applied for credit from. 
On XX/XX/18 I sent out the requested official documents which included court documents, medical documents, and government documentation along with my ID to Hunter, Warfeild via email supporting my claim that I was residing in a different state at the time this account was supposedly have been opened. 
This is my official proof that I have no knowledge of this debt. 
On XX/XX/18 I received confirmation that my notice of dispute has been received, However the notice dose not provide enough information. This is incorrect. I submitted OFFICIAL government documentation along with identification. 
I also requested to see any certified/official documentation that supports the claim to this collection account, I was unsuccessful in receiving any documentation which could help me move forward with legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that the credit bureaus keep sending me letters that the accounts I am disputing are returning as verified as accurate HOWEVER I HAVE ASKED for the credit bureaus to send me wet signature proof that the account belongs to me I have notfied in numerous occasions that I was a victim of of identity theft and feel as I am being unheard. 

Besides this the credit bureaus have a lot of inaccuracies as they do not match across the board which means they are not doing their diligence work Please investigate my case I am attaching my credit report discpancies, identity theft report and letter of what I am disputing
Product: Credit card

Received the fake email from milestone for credit card offer for {$700.00} I know it's because there's a lot of other stuff that's with this that makes no sense that somebody trying to get my information
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to this company to resolve the issue of inaccurate information on my credit report. Ive never had a loan with this company. Ive told them several of times that I have no reconciliation of the negative item being reported. I have sent over my id, birth certificate and social security card showing I am not nor have I ever went by the name of XXXX XXXX. My last name is XXXX, Ive never been married nor had a name change. If we cant get this resolved Ill be forced to take further actions. Attached is my id and social security card.
Product: Credit reporting or other personal consumer reports

I request please that you reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 
Based of consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report.
Product: Debt collection

I have a collection claim from both, ASSETCARE , LLC. and XXXX XXXX XXXX XXXX. Same date of service, and total amount of {$1700.00}, attempted to be collected. Now, keep in mind I have disputed through XXXX, previously. I disputed 3 charges of duplicates. The other 2 disputed collections were from, again, ASSETCARE , LLCXXXX  and CAPIO PARTNERS. The results from the other 2 collections were that, I owe CAPIO PARTNERS. ASSETCARE , LLC. were removed from my credit report. But, why do I still have XXXX and ASSETCARE , LLC. left? I don't trust to pay any collection to any one of them, at this point, if I'm being completely honest! I feel as if they either one, sold my collections to a 3rd party, and/or ... A fraud. Some guidance, understanding, resolution, and closure of this situation would amazing! Not only for me, but anyone else, dealing with similar situations! 

Thank you for taking time to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the course of checking my credit score report, I found many errors including false information of these collections accounts are not 100 % accurate. This has damaged my reputation in becoming successful as a individual person who wants to purchase a home or car or even upgrade my business in order to hire employees in the future. I indefinitely want the Consumer Federal Protection Bureau to enforce the deletion of these accounts.
Product: Mortgage

I applied for a loan to refinance my rental property with ACC Mortgage in XXXX, GA. While going through the loan processing, the lender ordered an appraisal from XXXX XXXX and XXXX XXXX. The assigned XXXX called For appointment to inspect the property on XX/XX/22. Three days later, the appraisal report was completed and turn in to the lender. I spoke to the Loan Officer, XXXX XXXX who told me the property value came in very low and he was surprised because prior to ordering the appraisal he had check the comps. 
In the area and according to the recent sales the estimated value for the property shouldnt come in between {$300000.00} to {$320000.00}. However, to his Surprise the appraised value came in at {$180000.00}. I was shock and surprise because my loan application request was for {$220000.00}. The value of my property was grossly devaluated and I told him that I wanted to challenge the appraisal which was my rights. He agreed and the lender send 4-5 current comps with higher sales prices to the appraiser for reconsideration of value. To the lenders and my surprise, the appraiser refused to use any of the five comps submitted By the lender and didnt make any changes to the value, which was devastating to me. He also refused to complete an additional form 1007 required by the Lender to verify the current rents in the area. I believe this appraiser was very Bias and XXXX and this was a typical case of discrimination in real estate appraising. Because the property is in a predominately minority area, own by XXXX XXXX XXXX XXXX XXXX XXXX XXXX  tenants living in it. Unfortunately for me the lender had to denied my loan application for the reason Stated : INADEQUATE COLLARERAL, VALUE IS NOT SUFFICIENT. I had to get another and applied for a new loan in order to get another appraisal, which I did, A new appraisal was completed on XX/XX/22, with an appraised value of {$270000.00}. 
I am attaching and uploading both appraisals to this complaint.
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Debt collection

CMRE financial Services keeps posting a debt on all my credit reports. I will get them removed because they can not be validated and they put them on again. 

I have no idea what this debt is. And now when I try to get dispute the debt again, it will bot let me, even though it was already removed. This is not be debt and if it was already removed, it should not be constantly put back on my credit report. 

XXXX : : CMRE
Product: Debt or credit management

I sell football cards and had a PayPal account and I had XXXX cents in it which they had locked up for over a year bc I wasn't XXXX at the time that I scanned my photo id in to their app so the locked my account and I got sick of it so I called them up and tried to solve this issue and end up getting scammed and put a report on that and then they refunded my money and then i took it off the app by doing a bank transfer and now they are saying that i owe them all that money
Product: Checking or savings account

Went to deposit a {$2500.00} check from XXXX into my checking account on XX/XX/2023. Was given notice that {$220.00} would be available next day and the other {$2200.00} would be available the day after. Next day, after none of the deposit has cleared, I receive an email that the entire {$2500.00} wont be available until XXXX, XXXX, with no specific reason stated.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  reported my account as being delinquent even though they we fully paid with no lapse. They got money from progressive on XX/XX/2023 then turned around in XXXX or whenever they did and reported to Lexis Nexis and XXXX
Product: Debt collection

IC Systems contacted me about a bill and I requested an itemized statement but was told no, they said they were sending a fraud packet, and it was never received, thereafter IC Systems added the bill to my credit report, despite knowing there was a dispute and they have no billing statements or other information, except to say my last name is " XXXX '' and then today when I contacted them, it is suddenly XXXX, but still no itemized statement or other information. 

I asked for the phone number of the XXXX where they received the collection and the woman stated, we don't contact our clients and we don't have a phone number. I asked to speak to the owner-operator and they say he doesn't take calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXXXXXX XXXX XXXX XXXX. Please remove.
Product: Debt collection

ADVANCED COLLECTION ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX Fl. 
XXXX XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify ADVANCED COLLECTION or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission ADVANCED COLLECTION acc # XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
Product: Mortgage

I own a 4plex and fell beind during covid due to my renters not being able to pay rent in which that caused me to fall behind in my mortgage due to covid and business 's closing or people losing jobs and so on. I contacted Service Mac and asked for a forebearance to help me with my situation and they stated that I would have 3 months and it could be extended 2 more times past the first 3 months. They only honered 1 month of that and I never received any documentation from them that I needed to reapply at any time or after the 3 months. I received no phone call or letter in mail nothing. I thought I was still in the workout plan and waited on documentation or for a modification and called several times with no response back. I even tried to make a payment and it would not accept my payment online I then called back to mortgage company and they stated my officer would return my call which didnt happen. Then I received a knock on my door and it was from a investor stating they wanted tobuy my home that it was set for sale in acution for foreclosure. I then contacted morgage company again and they stated they would send me modification papers in the mail I waited past a week no papers, called back again they emailed me documents, I then filled out documents and returned them with only a few days until auction took place for mortgage company to tell me they would not review my papers due to not enough time before foreclosure sale happend. I did everything I was told by them never received any documents pertaining to foreclosure in the mail or certified mail at all. I never received any documents pertaining to anything about foreclousre and this servicer will not help me and the bank bought my house back that was my retirement. Ive had my home for over 15 years with no late payments ever until covid by no fault of my own tried to get help with this bank lying to me and not receiving fair help. Can someone from your office please help me with my situation as the sale is taking place and I need it to stop and have this business work with me, This is causing harm to myself, XXXX XXXX on XXXX and I cant afford to live without my income from my 4 plex to help myself. I am at a loss for the way this company has miss represented themselves and all paperwork and deed is not correct either. There are so many problems wrong with this foreclosure can I please get help, Thank you so much for your time and consideration.
Product: Credit card

On XX/XX/24 I received " Important Changes to Your Account Terms '' via first class mail from Synchrony Bank, XXXX XXXX  XXXX XXXX XXXX Synchrony Bank handles the Lowe 's store credit card. 

The changes include information about the Paper Statement Fee : " We are adding a {$1.00} monthly Paper Statement Fee to your account. We will charge this fee as described below... We will charge a {$1.00} monthly Paper Statement Fee to your account. We will charge this fee in any billing cycle in which your balance is greater than {$2.00} and you are sent a monthly billing statement in paper form, even if you also are provided it in electronic form. You can avoid the fee each billing cycle you are provided your monthly billing statement only in electronic form [ sic ]. ... 

Is such a fee compliant with US rules and regulations governing credit cards? 

I worry this sets precedent with other credit cards including major credit cards.
Product: Student loan

I attended XXXX College in XXXX, Florida for a data entry class costing approximately $ XXXX in XXXX or XXXX. I have paid on my student loan and deferred payments over the years. Now, it 's up to almost $ XXXX in debt with collection calls coming in 7 - 10 times a day asking for monthly payments of {$1300.00}. Looking back I had no idea what I was doing, I was XXXX years old with no guidance through the school that explained the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Public Records : Bankruptcy Date Filed : XX/XX/2016 Reference Number : XXXX Type : UNKNOWN Reason for Dispute : I believe that this account is invalid ( not mine ) and contains incorrect information. Please validate this account in its entirety or remove this entry from my credit report. Thank you.
Product: Money transfer, virtual currency, or money service

PayPal froze my account after I transferred money into the PayPal account. PayPal gave no warning and is not responding to messages while making extremely difficult to contact them to free up the funds. They are claiming my account is linked to another but that other account doesnt exist.
Product: Debt collection

I have disputed medical debts on my credit report and have each time I am being told they are valid. I do not recognize the original company nor the collection agency. I have two derogatory marks on my credit due to the same company trying to collect twice for different amounts. I receive phone calls constantly, at times I have been threatened to have legal actions, garnishments, etc. The calls do not stop, even though I have continuously disputed this through XXXX XXXX and through the credit bureaus. I want it removed and have not been successful in getting both removed. I have not been provided with information that proves I owe this debt, I do not show ever having used this creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed open accounts on my credit report that I did not consent I am not sure as to how someone accessed my information but I would like those accounts removed.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union Regarding multiple overdraft fees, I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to Loud postings of charges and credits. This issue aligns with the recent CFPB Findings against Navy Federal For similar practices, Were transactions settled with insufficient balances Despite initially available funds. I believe hes practices are unfair and Request an investigation into my account Transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX : {$5400.00} XXXX XXXX XXXXXXXX Balance : {$720.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}
Product: Checking or savings account

I was out of the country in late XXXX and returned on XX/XX/2023. When I returned I saw that {$6600.00} had been charged fraudulently to my account while out of the country. I filed a dispute with Bank of America on XX/XX/2023. On XX/XX/2023 Bank of America denied the claim because I waited too long to file the dispute. I reopened the dispute on XX/XX/2023 after stating I was out of the country and filed the dispute the next business day after my return. 

Over the last 90 days I have received no correspondence from Bank of America, I call regularly requesting updates and I'm always given another timeframe that turns out to be incorrect. I was told I'd have a provisional credit within 10 days, that didn't occur. I was told the merchants had 45 calendar days to respond to requests and then I would receive at least partial credits, that hasn't happened. 

I have been told from the beginning that the bank has 90 days to reach a decision and once that timeframe elapses I will receive a full credit of {$6600.00} if they need more time. That time elapsed 7 hours ago and I don't have a credit as of writing this messeage. 

I contacted Bank of America for another update this morning and I was told they don't have a specific timeframe for resolving disputes which directly contradicts everything I've been told. I have companies owed money that have been very good to deal with but that patience is over and I need to pay approximately {$3200.00} in bills to our leasing agency and for utilities. We can't operate if they don't credit the account. 

Every time I call I get a different response and there are times that they can't even locate the claim. I've requested calls back from the investigator, escalated the claim, and asked for the 48 hour cure. None of that has happened. 

All I want is for Bank of America to do what they say they're going to do and credit my account.
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. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX