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

XX/XX/2021 I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I received a letter stating back " They do not report any Bankruptcies to Anybody. '' So if that's the case .How did the Credit Bureaus verify my Bankruptcy as 100 % Accurate.They never did a Fair Investigation according to the 15 USC 168.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's charter, general reputation, personal characteristics, or mode of living is to obtained through personal interviews with neighbors, friends, or associates of the consumer report on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a Consumer 's Credit Report obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated My Rights numerous times. 

The Credit Bureaus violated my given rights under XXXX5 USC 1681. 

According to : 15 U.S.C.1681 Section 602 A.States I have the rights to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified, '' that I have disputed. 

Please resolve this manner as soon as possible. 

Thank You.
Product: Debt collection

Credit Control Corporation has been reporting on my credit profile that I owe them a debt {$220.00}, I 've has send them a notice of dispute which they received on XX/XX/2015, I have green card to prove they got it. They are still reporting that I owe them a debt, this is a violation of the fcra. My dispute is under notary seal, I gave them 10days to respond with a contract with my signature they failed to do so, and they mail me some frivolous papers, with out my signature witch is a violation of the, fdcpa, they 're also are violating the VA consumer protection laws
Product: Mortgage

Payoff Statement dated XX/XX/2021 ( enclosed ) included " Unpaid Interest Due at Payoff '' in the amount of {$3300.00}. 
When I asked representative about this number, the answer was : Not all of your payments were considered in this statement, so all your Interest overpayments will be refunded 30 days after closing. 
Since the payoff amount in the Payoff Statement was equal to Payoff presented in Closing Disclosure ( enclosed ), I was expecting for some Interest overpayment refund. 
I never received a refund and called the bank 2 times. Both times I was said that the issue will be reviewed and answered by mail. 
As of XXXX, XXXX nothing happened. 
I need help to resolve this issue
Product: Mortgage

I was supposed to close on a home on XX/XX/2019. 
I paid {$3000.00} for closing and approximately {$800.00} for appraisal and inspection. 
{$50.00} on HOA application fee. 

Two days before closing, I was informed that there was a problem with the down payment. The total amount had been wired on XX/XX/XXXX, to the title company. {$51000.00}. It had been wired by my future father-in-law per request by my lender. I was informed that 5 % had to come directly from me, the borrower. 
As I was short approximately {$600.00} in my bank account, my lender advised me to deposit or have someone deposit money immediately. He said to make it an odd amount, like {$680.00} so it did not look obvious. My future father-in-law transference money into my account the next day. Since it showed " pending '' my lender implored me to deposit more cash into my account. Which I did as instructed. I had even transferred money from my XXXX acct to my bank, but my lender said it could not be verified. even though it clearly shows on my account, the transaction. 
After scrambling at his bequest to get my account in order to make my 5 % wire for the downpayment, he just could not get the closing packet to the title company. I sat at title company for 3 hrs on the XXXX. The closing had to be extended to the next day, but again, he did not get the closing packet in. Closing was again extended to the following day, XX/XX/XXXX. I was told by my realtor to go the bank to wire the money, then head to title company. 3 home purchases were hanging in the balance. This had to get done that day or the contracts would expire ... there would be no more extensions. At XXXX on XX/XX/XXXX, as I was heading to the bank, the lender called and informed me that my future father-in-law was not an acceptable donor. None of his money would be accepted, although the money had been wired to the title company on XX/XX/XXXX. 
It caused all 3 home purchases to collapse and everyone involved lost their money and the homes they were purchasing. 
The 3 listing agents involved have filed formal complaints to the board about my lender. I have made numerous attempts to reach out to the mortgage company, only to be completely ignored. 
How did my lender not know this would be a problem? He knew from the very beginning that my father-in-law was donating money. It was my lender who instructed us to just have him ( father-in-law ) wire the entire amount and we could work it out with him later. 
This action by my lender devasted 3 families.
Product: Student loan

On XX/XX/year> I paid off my student loan balance with XXXX. My account was subsequently transferred to MOHELA. Per agents at XXXX, On XX/XX/year> XXXX sent the Intra-Governmental Payment and Collection information/funds to MOHELA. MOHELA, to this day, contends that they never received anything from XXXX. MOHELA maintains an open balance with me. They have already charged interest on this false balance, and intend to charge more starting next month- on top of a monthly payment. 
Attached is my payment history to XXXX, my pay off letters and my bank statement showing the debited amount, and the report showing what MOHELA falsely alleges as being owed to them. 
I have spoken with numerous " resolution supervisors '' from MOHELA, and have gotten absolutely nowhere. The only thing they have done is move the problem down further to another date by putting my account on an administrative forbearance.
Product: Credit reporting or other personal consumer reports

These 37 inquiries that are reporting on my EXPERIAN credit report ( XXXX XXXX  ) are fraudulent, inaccurate, and unverifiable. ( XXXX XXXX XXXX  )
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XXXX XX/XX/XXXX -JXXXX XXXX XX/XX/XXXX -XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX -XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX -XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Source Receivables MNG at XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX this collections is not from original creditor. I don't owe Source Receivables MNG Account # XXXX I never heard of Source Receivables MNG. I never did a contract whit them. I collection has been reported as past due balance. I don't know this company. this company does not have a contract with my signature.
Product: Checking or savings account

I own my own business and have had an account with Bank of America for probably close to or more than 10 years. I recently lost my debit card ( I use it nearly daily for purchases for the business ) I was told 6-10 for a new card. I didnt think would be a big deal as I could go to the bank and cash a check, and just use cash, as many businesses do not take checks because of bounced checks. So I went to the branch with a check written to cash for {$5000.00}. I was asked to insert my debit card, I explained to the teller I had reported it lost. Minutes go by 'Im just standing there waiting for her to simply cash the check, then she ask for my drivers license, Ok no problem checking to see that it is me. Another minute or two goes by... I'm thinking I know how much is in my account there is no reason this is taking this long. Then the teller calls someone... ..she says we need the manager??? Why???? I am then informed the Bank DOES NOT CASH CHECKS ANYMORE!!!!!! What????? It's my money, you have it and I need it. The manager said as of Monday XX/XX/year> they had a new system that does not allow them to cash checks for businesses!!!!!! How is this possible!!!!! Lose your debit card and you can not access your account??? And if this is supposed to be about security that's a load of XXXX!!! It's very easy to verify who I am, and they did that!! I did finally get my cash. But why is this allowed??? It's my money I should be able to access it in any way I want to! How could this be a law? If I want MY CASH why can I not get it easily. I was told this was an exception because I lost my debit card so they would cash the check.
Product: Mortgage

I filed and completed a Deed in Lieu of Foreclosure in XXXX with XXXX. They also issued a XXXX " Cancellation of Debt '' which was recorded on my XXXX IRS Tax Forms. XXXX was negligent in filing the Deed in Lieu of Foreclosure documents with XXXX XXXX Assessor of Property and Tax Accessor 's Office. The Clerk 's offices show that I own the property at : XXXX XXXX XXXX XXXX, TN XXXX free and clear of any lien and that the property is deeded in my name. I believe this to be in error because I ca n't fathom the lienholder willing to give me the property mentioned herein, especially after filing and both parties agreeing to Deed in Lieu of Foreclosure. XXXX or XXXX XXXX XXXX transferred service to LoanCare. I have requested and have proof of my request to communicate in writing, via email. They refuse to do so. They also do not want me recording the phone conversation if I call. My preferred method of communication is email. 

Furthermore, XXXX called me on XXXX XXXX, XXXX, she stated the following in speaking to both my wife and I on speakerphone : 1. In 30-60 days, when everything is finalized, LoanCare will record the " account settled and nothing due '' on my credit history. 

2. In 30-60 days, LoanCare would file the proper Deed in Lieu of Foreclosure documentation with XXXX XXXX Tax Accessors Office and XXXX XXXX Clerk 's Office. As previously stated via email on XXXX XXXX XXXX, those offices ' records show I own the property free and clear of any lien with the property in my name. These issues are to be fixed in the 30-60 day timeframe. 

3. I am to email a copy of the XXXX XXXX Tax Statement to LoanCare for payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I paid for a service on my vehicle at the XXXX XXXX XXXX, TX. I reached out to them because it's showing as a hard inquiry from XXXX XXXX, but it says XXXX. The check was for an amount of {$490.00}. I have tried to reach out to Check Plus using the information on XXXX XXXX at XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX ( XXXX ) XXXX, but the line always says " All circuits are busy '' no matter the time of day. This is the same phone number the XXXX XXXX of XXXX gave me, and truthfully they were not much help. I googled that address and it seems like its not a legitimate business address. https : XXXX, +XXXX, XXXX, XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX Therefore, I have no one to speak with to dispute this hard inquiry. No one ever asked me if its ok to run my credit for a check for payment! I looked them up at the Better Business Bureau and it seems like I am not the only one who has had this problem. You can find that complaint here : https : XXXX I tried to submit a dispute with Transunion for the hard inquiry, but they said that it has to be reported to Consumer Finance, please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax to learn why score dropped by 35 points as nothing on my report would indicate why such a drop. The agent said she does not know why and the computer provides the numbers. I also informed her that one of the items is showing an increase to my account. I explained to her that if my previous month report was XXXX and now my current balance is XXXX how was an increase done. She just kept repeating the same thing. I asked her if she could put in an inquiry to find out why my score dropped by 35 points if nothing on my report is indicating the reason for this. All she could say is the computer generated it. I want experian to look into why my score dropped by so much with details. This is just unacceptable to a consumer that helps to stimulate the economy through purchases and paying for my purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX -retail account # XXXX XXXX XXXX XXXX I have no idea who these people are or who this company is I have done no business with them nor do they have a signature of my please remove these negative accounts off of my credit report immediately thank you
Product: Checking or savings account

I received a phone call from US Bank Fraud Department, XXXX, at or around XXXX on Thursday, XX/XX/2022. The associate introduced herself as XXXX and she was a member of the fraud department at US Bank. She proceeded to tell me there were several attempted transactions that day and her department was alerted. She continued to tell me that someone was trying to use my debit card number at a XXXX in XXXX, FL. She then proceeded to tell me that the 'thieves ' had infiltrated my accounts and were trying to use the XXXX application to send themselves money from my account. She then asked if I would be willing to help the bank, local police and FBI to catch these perpetrators by approving a XXXX transfer to an agent who was in charge of this investigation. She stated that the money would be replaced into my account within 24 hours. I, regretfully, obliged. The following day I continuously checked my account for the reimbursement. I called US Bank Fraud department again to check on the status of this process. As I was on hold for the Fraud Liaison department, I received another call from 'US Bank Fraud Department '. My waiting time on hold was to be 30 minutes, so I answered the incoming call. Another female representative said that my number had been 'flagged ' so that I could get through to their department immediately. She began to reassure me that this process was legitimate and they were investigating the source ( s ) of my issue. She, again, said that my money would be deposited within 24 hours, no later than Monday, XX/XX/2022. On Monday I call the US Bank Fraud Department, XXXX, and spoke with an agent, XXXX ', who listened to my story and immediately told me that I had been the victim of a fraudulent scam. When I asked how they could call me using the banks phone number and when I called the same number the next day how did the " scammers '' know to intercept my call into the bank, her response was that she did not know but they will investigate thoroughly. Unfortunately, I have very little confidence that US Bank will do anything to refund my money because of a hack into their own phone system.
Product: Checking or savings account

I was notified that my us bank account of 6 years is being closed with no explanation. I am a single mother that was involved a head on collision. My bank account is literally all I had to provide for also feed my child. I spoke to several bank managers also representatives. I was given a different answer by every staff. I Was hung up on several times by different representatives. I have been diagnosed with XXXX  because of this matter. I have several XXXX of dollars they are not releasing to me. Why have they not released my money with no explanation. Are they legally able to hold my balance with no explanation over 90days! As I type this I am receiving past bill notices for my current bills because of this! Please help! I feel robbed by my own bank. 

How is this possible?
Product: Debt collection

XXXX XXXX XXXX XXXX is reporting on my Experian and XXXX credit file an account that I have no knowledge. The first time I had knowledge of this account is when it came up as a debt collection on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/21 I submitted a request for XXXX XXXX XXXX XXXX XXXX to freeze/cease providing any Consumer Reports they are sharing with any Person or Company. This action was not complied with and actions are still being done without my written consent or other permission. 

I

n accordance with the Credit Reporting Act my rights were violated. 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604 Section 2 it also states a Consumer Reporting Agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : 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 XXXX XXXX XXXX XXXX XXXX  You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2019 I discovered a Wells Fargo card, a XXXX XXXX card, and a XXXX XXXX card had been taken out in my name and had been used for a long time under my name. It now has gone to collections and is damaging my credit score. I have a police report that shows my birth certificate and social and ID card were stolen in XXXX texas at the same time my motorcycle was stolen and other objects stolen from my XXXX. I then went to XXXX  for a few months and was not able to resolve the issue and life happened things backed up so Im just now getting around to taking the proper steps to reporting fraud. They ran about 27 inquiries under my name within a month or 2 period of time all across texas and California. Those inquiries have since fallen off but I remember they tried opening multiple accounts in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my eighth endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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 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: Credit reporting or other personal consumer reports

am writing to dispute certain information on my credit report that I believe is inaccurate. I am seeking a thorough investigation to rectify any errors and ensure the accuracy of my credit history. 

I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) to request an investigation into the following information : XXXX XXXX adjustment - {$1100.00} XXXX XXXX  - {$2000.00} XXXX XXXX- {$2100.00} XXXX XXXX  - {$1000.00} Please conduct a prompt investigation, provide me with the results, and make any necessary corrections to my credit report. As per the FCRA, I also request a free copy of my updated credit report after the investigation. 

Thank you for your attention to this matter and your commitment to maintaining accurate credit reporting.