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

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please CORRECT the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

CFPB, I stopped using the Binance US platform in XXXX because of fraudulent issues reported to CFPB in Complaint # XXXX and Complaint # XXXX. Binance US never resolved Complaint # XXXX and Complaint # XXXX so I lost money and discontinued my use of the Binance US platform in XXXX . 

On XX/XX/XXXX, I received bill collections notice from XXXX XXXX XXXX , XXXX ( collections agency ) stating I owed Binance US {$230.00}. I didnt owe Binance US any money when I stopped using their platform and I have never received a bill from Binance US stating I owed money. I reached out to XXXX XXXX XXXX , XXXX to let them know I do not owe Binance US money and that I have never received a bill between XXXX and XX/XX/XXXX stating I owed money. Binance US is using its access to US customer information to fraudulently request payment for money that is not owed. Any assistance would be appreciated. 

Binance US User ID : XXXX XXXX XXXX XXXX , XXXX Reference Number : XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX Monday - Friday, XXXX XXXX  - XXXX XXXX  PST Saturday, XXXX XXXX  - XXXX XXXX  PST XXXX : XXXX Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I disputed this account XXXX Account number : [ XXXX ] here on CFPB again that was found on my credit report from loan officers that I had requested original proof of last year. I was told that this account is a Charge Off, however it's reporting that payments are still being made based on the payment history from XXXX. I then requested a reinvestigation in XXXX XXXX because I had found out the same thing was still on my credit report on XXXX XXXX ( in the midst of trying to get a mortgage loan ) that I wasn't aware of and/or thought were already removed/corrected. I requested for the account to be thourougly reinvestigated ( checking, updating, deleting, correcting the summary of each report from each of the 3 bureaus ). I sent it via certified mail on XXXX ( tracking number below ). It has again been more than 30 days and no letter from XXXX stating if the CHARGE OFF was final or not. 

Not only that, but I found out recently that there's another account -> XXXX XXXX Account number [ XXXX ] who supposedly bought the debt from XXXX XXXX  which is being reported as an OPEN ACCOUNT. Which is illegal and against FCRA to try to collect payments for the SAME DEBT through 2 different accounts.

Section 607 ( b ) of FCRA ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Consumer reporting agencies must Correct or Delete ANY inaccurate, incomplete or unverifiable information within 30 days. And according to the FCRA everything must be 100 % accurate. 

( Credit report from XXXX XXXX *highlighted yellow* below ) versus ( Credit report from XXXX XXXX, XXXX *circled in black ink below ) Is still reporting the same inaccuracies for Account status, Terms, High Credit, Date Last reported, Date Last Active, and the 2 year payment history. All of which are violations and not reporting the same across all 3 bureaus.

Unfortunately, I no longer have housing due to credit implications that has affected my credit score and history. As you will see my credit score has dropped tremendously even more within the last month because I've had to dispute over and over for the same problem. 

I'm requesting monetary relief and deletion at this point, because I've tried all I could. 


I will have the photo of both credit reports pulled on XXXX XXXX and XXXX XXXX in comparision showing that there was no thorough investigation done by XXXX nor XXXXXXXX XXXX 

Tracking numbers : XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( Transunion ) 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 XXXX XXXX, has violated my rights. 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 account without my written instructions.
Product: Debt collection

The information Southwest Credit Systems is mailing me are all false. Documents of validation was sent to them 2 weeks ago and they did not respond. I refuse to pay something I didn't owe in the first place.
Product: Checking or savings account

I met with several members of the XXXX XXXX Chase branch in XXXX of XXXX  regarding opening a new checking and investment account and the promotion to do so. Upon speaking w/ XXXX ( Banking ), XXXX XXXX Investment ), XXXX XXXX Mgr ) I was told the following : I would qualify for a XXXX promotional bonus for opening up a checking w/ direct deposit along with investments totaling XXXX. After leaving the branch I followed up with the branch manager, XXXX, and he confirmed this in writing. 

Now, I'm being told that the coupons are not independent of each other and either or. Additionally, they are requiring that a savings deposit be opened as well with more funds. 

This is a classic bait and switch by the largest bank in the world. I've tried to escalate this with my private client banker, manager, and XXXX 's boss ( XXXX ) since XX/XX/XXXX and nothing has been done. I've also opened up customer relations complaints. Nothing done
Product: Money transfer, virtual currency, or money service

Cash app took money that was sent to me and never put it back in my cash app wallet. They did this multiple times. I also tried to speak with someone but was not able to. Then all of a sudden they closed my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible Based on, 15 U.S. Code 1681c2 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, not later than 4 business days after the date of receipt.
Product: Mortgage

I called Carrington Mortgage on XX/XX/24 because I received my next month 's mortgage statement with a increase of {$300.00}. I asked what was the increase for. I was told for a wind and hail policy through Louisiana Citizens. I told them that I applied for insurance with that company in XXXX of XXXXI asked why are they just including this? No one could answer. I then contacted my insurance agent whom I applied for this policy with XXXX XXXX XXXXXXXX XXXX  agent XXXX XXXX XXXX I spoke with XXXX and she said this policy was canceled due to non payment. Meaning Carrington Mortgage never paid on the policy but they have added policy charges to my mortgage payment. I've spoken to so many people in the insurance department of Carrington but no one is trying to help. I purchased a policy out of pocket to have my home insured. I'm try to get them to reverse the charges and late fees and get my mortgage payment back to normal without the canceled insurance policy charges. I have called, emailed and written letters to them and they're still charging me for this non existent policy.
Product: Credit reporting or other personal consumer reports

As of today, previous lenders that were paid off are now back on my credit report showing 88 % of on-time payments. Last month on my credit report, it was reflecting 100 % on-time payment history. A lot of this information has been disputed as of 2023 and was rectified. I refinanced my auto loan ( XXXX XXXX ) last year in XXXX or XXXX and the old information from the previous loan was removed ; now it's back on my credit report. 

My credit cards, except for XXXX and real estate loan all have been paid off and reflected on my credit report via XXXX XXXX. The late payments are showing on my credit report again. I went from 100 % on-time payment history to 88 % on-time payment history as if those credit cards, auto and real estate loan are still open.
Product: Mortgage

We have a HELOC loan that originated with Compass Bank. Compass Bank was bought by BBVA and then BBVA was bought by PNC. 

When PNC took over the loan in XX/XX/XXXX, I started getting bills on my statement for Past Fees. I called to inquire about these fees and their customer service rep said they did not see any fees on their end and that it was most likely an issue when they took over the loans and that they should be cleared up. 

They continued to show on the next statements for XXXX and XXXX. I called two more times and was told the same thing, that they would go away after they fixed the account. 

When they didn't go away, I sent a letter requesting that my account be fixed. They responded by escalating it to another department who sent me a ledger from XX/XX/XXXX when the loan originated. This ledger showed fees in the amount that they billed me, but these were fees that were paid when the loan was started. The ledger even says, " Charges Paid In Cash ''. 

I have asked that they reimburse me for these charges since they were already paid alost 10 years ago, but they refuse. 

I don't think it's fair that PNC began charging me for these fees when they took over the loan without explaining to me what these charges were. If these were charges I owed to Compass/BBVA, it would make sense that they would have charged me for them during the 10 years that I've been paying on this loan. It is not fair for a new company to charge for fees that were already paid almost 10 years ago. 

Additionally, I always pay {$600.00} a month on this loan. The required payment is always the interest on the loan which fluctuates between $ XXXX {$250.00}. The extra amount has always been applied to the principal. 

I'm showing that I've paid over {$1200.00} since PNC took over the loan, but it is showing as being paid to Other rather than the Principal. {$600.00} plus was paid for these fees. I've asked that the other {$500.00} plus be applied to the principal. They say that it has, but it does not show as applied to principal, it shows under other. They say they can not fix this either.
Product: Mortgage

Bank of America 's vendor cut down a tree at my house and I was charged for the cutting and removal thus the charge increased my mortgage balance. I was charged for the cutting and removal. The tree has been laying on my property for months ( see attachment ). I was told that the tree would be removed months ago, but nothing has happened.
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions.5136 XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX is appearing under my credit score however I do not own this account. I did not open this account. I requested this account be closed or removed from my credit report. Issue remains unresolved. XXXX XXXX customer support was contacted on XX/XX/ they found no records unable to find using my name date of birth nor social. This must be removed from my credit report.
Product: Credit reporting

XXXX XXXX XXXX- collection agency added a brand new collection to my credit report with a date of XX/XX/XXXX for an amount of {$6100.00}. This original account charged off 7+ years ago and this collection dropped my score XXXX points. I demand they remove this debt from my credit report and stop attempt to collect on it.
Product: Mortgage

I submitted multiple complaints through the consumer finance portal and requests closed without investigation. Finally received a letter and spoke to someone who understood my concerns at WF and she asked for further documentation. I sent everything to her attention and received a form letter from yet another associate who included a copy of the previous letter that I responded to... They did not address the multiple documents I sent and ignored my concerns of the modification being {$20.00} less than my mortgage payment. 
I have requested a thorough review, was contacted and provided documentation they requested, and they respond without review of my documents with a form letter and copy of an old letter. HOW CAN THEY STILL BE IN BUSINESS?? So many people have had this problem with them. Please, look into this it has been a nightmare. I have provided everything they asked for time and again, and they send me a letter dated weeks or months ago and say they reviewed it. HOW IS THAT POSSIBLE? The modification was {$20.00} less each month than my mortgage payment and was my entire salary. I sent them pay stubs and tax returns!!! How did they put me through hoops to qualify for that mortgage when I was making $ XXXX, yet the modification based on $ XXXX was only {$20.00} less per month. They blamed Fannie Mae who I spoke to and the executive at Fannie Mae said it was Well Fargo 's choice and they would agree if WF reduced it. Friends who are younger and made more money were able to get modifications at less than half my mortgage payment and save their homes, yet WF was only deducting {$20.00} per month. I know of XXXX families with investors who saved their homes. What they did to people by putting them through hoops, yet not looking at the documentation was awful... yet the are still in business, and I see people still complaining about them.
Product: Debt collection

I received federal student loans from Sallie Mae in XXXX. The loans were discharged/ forgiven since the school ( XXXX XXXX ) engaged in fraudulent misconduct as there was a lawsuit this company. The loans were later transferred to Navient ( Now XXXX ) in XXXX which discontinued federal loans and only engaged in private loans from this time moving forward. Now, XXXX XXXX XXXX ( XXXX ) based in Ohio is charging me for one of my federal loans in that amount of {$10000.00} which was initially {$5700.00} with an added interest of XXXX and an additional fee of {$25.00}. the initial loan was federally discharged and forgiven, but in the interim between Sallie Mae and Navient, this information was lost. Navient ( XXXX ) refuses to assist me and constantly transfers me to XXXX XXXX XXXX. I can send information from the Federal Student Aid department that this loan was completely cleared. Additionally, the amount reported by XXXX is not showing in my credit report at all. I question if this amount is legitimate.
Product: Checking or savings account

XXXX XXXX. email on PayPal letterhead about a XXXX purchase with a number to call. I called the number and they answer PayPal and I had to give various information on my PayPal account. I have been set up a fradulant PayPal debit card and variuos places were distributed funds and my Bank debit card had 2 withdrawals made on the XXXX of XXXX to pay for all 9 transactions. I have been contacting the XXXX phone number for PayPal since Tuesday afternoon since I went online to balance my checking account and saw these charges. I have appealed these charges for the last several days and they keep denying, state that I set up this account and dispursed the funds. 
I am XXXX XXXX XXXX and XXXX and my Social Sec has all been spent due to this. I tried everything repeated to stop the PayPal funds from being sent out to places I have never heard off. On XXXX PayPal released all this money and can no longer help me. My Bank is investigated these charges. But PayPal will do nothing other then tell me to contact these places and ask for a refund. My grandson has XXXX  a few of them and they are XXXX.I tried everything I could to stop this but I am helpless. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/items which do not belong to me or were opened without my permission. 

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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed in XX/XX/XXXX, that my credit report with Equifax terribly wrong, and it was breached. Unaware of the breach epidemic with the CRAS. I called to dispute some items on credit report, but I noticed that I had several different social security numbers and names showing on my XXXX credit report. I informed Equifax of my XXXX credit report breach. Equifax has verified bankruptcy accounts XXXX & XXXX XXXX XXXX, filed on XX/XX/XXXX & XX/XX/XXXX. Also, XXXX XXXX Co, account number XXXX & XXXX accounts Opened on XX/XX/XXXX & XX/XX/XXXX. This the same company reporting twice with different Opened dates. Fraudulent account, XXXX - {$6400.00} fraudulent, XXXXt {$19.00}, XXXX XXXX XXXX {$4600.00} Student Loans should be removed- account paid in full on XX/XX/XXXX. Remove all inquiries. I am uploading the FTC Affidavit, FTC Creditor Letter aling with DIsputes letter request.
Product: Debt collection

Debt is not owed. Credit management continues to call to collect despite requests to cease calls
Product: Mortgage

Summary : My mortgage was transferred from XXXX XXXX to Amerihome where it currently resides. I sent my first payment of {$810.00} to XXXX XXXX. This payment is never acknowledged by Amerihome. I spent 6 months with XXXX XXXX getting proof of the transfer ( see attached ) and the last 6 months trying to get Amerihome to either acknowledge the payment or tell me what more they need from me or XXXX XXXX to prove that the payment was transferred. I submitted an extra payment on XX/XX/XXXX to Amerihome, because they kept saying was late. So, I am not behind on my mortgage. Amerihome did acknowledge this payment and every other payment except this 1st one.  Every time I call Amerihome I have to explain the situation again from the beginning, because they refuse to assign one person to sort out this issue. 

AmeriHome Mortgage Company , LLC XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX XX/XX/XXXX ( a year ago ) I made my first mortgage payment to XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, VA XXXX XX/XX/XXXX Escrow Balance was transferred from XXXX XXXX to Amerihome ( we are all in agreement on this point ) { Skipping the back and forth with XXXX XXXX they have always said they transferred the payment on XX/XX/XXXX but I had to get them to send me some sort of proof, which took a while } XX/XX/XXXX - Phone call to Amerihome - They " opened a ticket '' on the issue XX/XX/XXXX - Phone call to Amerihome - They said they needed more information. I supplied this information. 
XX/XX/XXXX - Phone call to Amerihome - They opened another ticket on the issue XX/XX/XXXX - Phone call to Amerihome - They said they needed more information, transferred me to a different department, was cut off, they didn't call me back. 
XX/XX/XXXX - Phone call to Amerihome - They said a ticket was opened and would be resolved in 30 days XX/XX/XXXX - Received a letter from Amerihome - They acknowledge receipt of my information XX/XX/XXXX - Phone call to Amerihome - They said a ticket was still be working on the ticket XX/XX/XXXX - Phone call to Amerihome - They said a ticket was still be working on the ticket XX/XX/XXXX - Phone call to Amerihome - They said they need more information. I emailed the transfer proof from XXXX XX/XX/XXXX - Received email from Amerihome - Confirmation from Amerihome of the Receipt of my additional information XX/XX/XXXX - Received email from Amerihome - " Please contact XXXX , XXXX, your previous loan servicer, to locate your missing payment. '' XX/XX/XXXX - Sent an email to XXXX - I re-sent the proof from XXXX XXXX and I asked for a detail description of what Amerihome needs from me. Amerihome responded with an automated Receipt of my email. 
XX/XX/XXXX - Mailed " qualified written request '' through Postal Service ( See attached ). 
XXXX- Amerihome responded to my postal service " Qualified written request '' with a letter in the mail - saying 30 days XXXX-Amerihome responded to my postal service `` Qualified written request '' with a letter in the mail - saying 15 more days XX/XX/XXXX - I still have not heard back from Amerihome