23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello There, I had a XXXX XXXX in XX/XX/XXXX since then I am XXXX. 
I have filed twice regarding this firm abusive and illegal collection practice, and it has been overlooked and closed the file. Now please read and verify my avoidances, I am currently XXXX since XXXX XXXX and out of work living with Long Term XXXX since my XXXX XXXX XXXX XXXX XXXX currently, I have approved from Social Security XXXX to get monthly payment for me and my Kids, Last week I have received the back pay from Social Security for me and my youngest Son XXXX XXXX and I set up a saving account for my Son since I am his Payee ( Collecting his Payments ) in the same bank and put his share to the saving account, within Days this law firm collection agency put stained or hold on this account saying I had a business loan Debit in XXXX, which the Loan amount was {$5000.00} asking for $ XXXX ( ZACHTER PLLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX ) By Law can they garnish our social Security payments? I can't afford to run around and hire Lawyers Please Help us and save our life. 
as I mentioned you above since XXXX my only source of income is XXXX payments. I didn't work I can't even XXXX XXXX because of my XXXX XXXX i had XXXX XXXX  .... 
** Regarding this Firm you can check XXXX XXXX XXXX  XXXX XXXX and other complaints for your reference They are attacking minorities they know we are not resourceful, so this agency is our voice so Me and My family is hoping to get fair Justice and get rid of this matter, Best Regards XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent TransUnionXXXX Attorney General XXXX XXXX XXXX on ( 2 ) occasions, namely XX/XX/ USPS NO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  Delivery Confirmation : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  with ( 6 ) attachments. After approximately three weeks, TransUnion responded and stated that the allege debt was 'Verified ', but did not rebut any of my request for validation of proof.
Product: Debt collection

These accounts from Credit Control Service showed up on my XXXX credit report for XXXX different accounts and amounts and I never received a letter or notification from them on either.
Product: Debt collection

Company refuses to update my credit report after a settlement was made on my account and was provided with documentation as settled in full. They continue to update my credit report as late and damage my credit rating. 

Patenaude & Felix A.P.C as of XX/XX/2020 2020
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

This company needs to learn to decline transactions as a customer for 15 years they are about to lose. they hit me with 4 overdraft fees. 2 of them over a {$10.00} transaction and a {$5.00} transaction. They have declined me for every credit product since the account was opened. I've reached a breaking point with them.
Product: Credit card

XXXX XXXX Citi Card online. Said pre-approval was no impact to credit. I filled it out and was denied, then started getting calls from life lock saying my credit had a hard inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting false information to the credit bureaus as been verified but the information is incorrect.
Product: Debt collection

I lived in XXXX XXXX XXXX XXXXXXXX for XXXX  years, I started leaving the city for work and school and XXXX time in XX/XX/2023, I came back and my home was broken into. Multiple expensive items were stolen. I reached out to the leasing office and they refused to show me any camera footage and stated that they tried to contact me but didn't and because they didn't get a hold of me, they conducted a wellness check without even notifying my emergency contact if that was the case. I told them that I was not paying them anything until my items was returned. None of items were returned. I even sent in a dispute letter letting them know the situation and they still put the amount on my credit report.
Product: Credit reporting or other personal consumer reports

I have been reaching out to the three credit bureaus about these fraudulent accounts and I did everything that was asked of me and I havent received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

It looks like a bunch of car dealerships pulled my credit report which was not authorized. I have a new car that I bought two years ago and I am not and will not be looking for a new car anytime soon. This was done without my authorization and obviously constitutes fraud
Product: Debt collection

I have been consistently disputing and request account validation from this company ever since I saw this account in my report. I already sent a separate request directly to CREDENCE ROOM for account validation, statements, and contract but I never receive anything since then. CREDENCE RM continues to violate my right and reporting this unknown account without investigation or account validation. I am filing this complaint to request deletion of this account that I am not even familiar with the balance they are reporting. This is not mine and this collection company does not have any proof that this belongs to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is breaking the Law according to FCRA, by law this company must provide me a copy of the original contact with my signature on it to validate this account belongs to me which they have not. By law this account must be deleted from my credit report. I have supplied this company with Identity theft documentation and all other documentation they have requested including utility bill from XX/XX/year> which is verification that I was not living in the state this account was opened under. They are terribly difficult to deal with, several representatives stating false information that they can not find an account under my name refusing to allow me to speak to the correct departments to report the fraudulent incident. This company has damaged my credit and next steps will be to file a lawsuit for damages. XXXX XXXX is a very bad company and I do not recommend anyone do business with them. After I have supplied them with all the correct documentation required by law they are fraudulently reporting to my credit and action needs to be take against this company! Total visa also stated that they would escalate this situation but has provided no further details. This matter needs to be investigated and solved Immediately.
Product: Checking or savings account

I deposited a valid, bonafide check for {$5000.00} at a Wells-Fargo ATM in XXXX, AZ on XX/XX/XXXX. It was credited to my Wells-Fargo savings account & then uncredited for " unknown '' reasons.

It's a legitimate check, from a legitimate Wells-Fargo account to another legitimate Wells-Fargo account. After its deposit, it got reversed & yanked. The service rep said just wait 10 days for a letter explaining what the issue was. 
You've got two choices by Federal law & the CPFB regulations. 

1. Return the check.

2. Release the funds. 

What is the problem? Why don't your support reps comply with releasing the name, address & contact information for Wells-Fargo 's compliance offices?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated according to consumer law 15 US Code 1681i it is my right to request this. The inaccuracies are highly injurious to my credit score. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Checking or savings account

Simply put Chime ( and its banking partners XXXX XXXX  XXXX XXXX XXXX ) are unreasonably withholding funds and freezing my account. Im not sure if its a scam, fraud, or just a terrible business model, but my account has been frozen for absolutely no good reason. They have claimed suspicious activity in my account, which is puzzling since I have not made a single transaction. I initially deposited {$10000.00} on XX/XX/2020 from another bank I work with ( XXXX ). I solely deposited the funds to generate a higher interest rate on some savings. After being told my account was under review on XX/XX/2020, I was asked to provide proof of funds from the source ( another bank ), which I provided on XX/XX/2020. Despite providing that, they proceeded to freeze my account on XX/XX/2020 and asked for a list of additional information. Once again I provided everything requested of me, on XXXX. I have e-mail record showing I would have a response in 2 business days, which I have not received. Ive called multiple times and Ive been given false timelines for an update, and been told this has been escalated with zero response so far. After doing more research, its clear I am not the only one with this type of issue. In addition to making Chime customer service and their CFO ( XXXX XXXX ) aware of my issues, I have also made aware Chimes banking partner XXXX XXXX ( and its affiliate XXXX XXXX XXXX  XXXX XXXX ). Specifically Strides customer service team and head of marketing ( XXXX XXXX ) and XXXX CFO and head of investor relations ( XXXX XXXX ). Protect consumers from this company. Force them to act legally and ethically, or otherwise the FDIC and consumers will be left holding the bag.
Product: Credit reporting or other personal consumer reports

Since XXXX of this XXXX, Ive had medical hardships due to XXXX  and XXXX XXXX at my XXXX XXXX. I requested a forbearance while I been recovering from my temporary medical condition. Ive had no progress dealing with XXXX XXXX XXXX  Loss Mitigation department. Im currently appealing the denial of my forbearance request for the XXXX  time. I am still going to physical therapy XXXX XXXX  a week and have not been released by my XXXX doctor to return to work. During the forbearance request, I have been hounded relentlessly with calls from XXXX XXXX XXXX  wanting me to make my mortgage payments while I have been out of work and recovering from my medical hardships. During this whole process to get a forbearance, being denied, and going through the appeal process XXXX XXXX XXXX has been ruining my credit by reporting late mortgage payments for XXXX months to the credit bureau. My XXXX payments are XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Credit Report Information Dear Credit Bureau , I am writing to dispute information that is not accurate on my credit report. The items I dispute are also encircled on the attached copy of the report I received. 

The following account ( s ) are reporting inaccurately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that these items be deleted as soon as possible to reflect maximum accuracy on my credit report. 

According to the Fair Credit Reporting Act ( FCRA ), the credit bureaus must thoroughly investigate items in question that I have disputed ( 15 U.S.C. Section 1681i ). The FCRA also states that you must promptly delete any information which can not be verified ( 15 U.S.C. Section 1681i ). 

I kindly request a written confirmation from you once the inaccuracies have been rectified and the changes have been reflected on my credit report. 

Attached is a copy of my Lease and my Social Security Card.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

received a debt collection letter sent from creditor collection services XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, stating that I owe {$59.00}, which I had no idea how this debt was mine. letter reference XXXX XXXX I assume this is the amount that XXXX insurance says I owe. 
If its a debt i owe from my insurance premium, at least the collection needs to be sent to the right address. My policy address isnt the letter receival address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple credit cards who are stating I owe a lot of money and yet they refuse to verify the debt. I dispute these debts as I do not owe them I asked them all to verify and send me itemized statements and they failed to do so There is XXXX with portfolio. 
Discover XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX and XXXX XXXX  also state they will remove their items from my credit report and to date they have failed to do so I am XXXX  as a result of these companies and they refuse to even send me itemized statements Some have even sued me at addresses I have not lived at in 7 years. They are trying to get me to pay someone else 's debt and/or they have the balances owed incorrect and refuse to verify anything.
Product: Credit reporting or other personal consumer reports

This complaint to NOWCOM/WESTLAKE FINANC for allowing fraudulent inquiries on my credit report. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an error with a account that was accidentally disputed in error. XXXX XXXX Credit Card Services was not suppose to be disputed or deleted from my credit file with Equifax, XXXX or XXXX. The account stated above is accurate and in good standing. So there is no need for a dispute. The company stated above stated that they had received a dispute in reference to this account, so they sent a request to have this account deleted from all 3 credit bureaus. An error was made when another account observed on my credit report was being disputed and some how the XXXX XXXX Credit Card Account was disputed accidentally along with another account. My mother the primary user of this account contacted the XXXX XXXX customer service XXXX on XX/XX/2019 in reference to this issue to request for this account to be reported to all 3 credit bureaus not knowing the this error was made on the Authorized Users credit file ( which is me ) the customer service representative stated that she will take care of it and also notate the account. In fact the credit bureaus were contacted a few days later and stated the company XXXX XXXX, infact can send a report to the credit bureaus stating that there was an error in this account being disputed by the ( consumer ) me the authorized user, which they will see along with this current dispute. The primary user and authorized user, both contacted XXXX XXXX Credit Card Services. We were advised that an update or resend of the account information can be sent again to the bureaus to clear this matter up.They were also notified that this was a system error. The primary account holder has contacted XXXX XXXX, verified the account with the authorized user to customer service representative and authorized XXXX XXXX to disregard the dispute and the credit bureaus has stated this account can be sent to them again, just as they report it each month. This dispute needs to be escalated to someone who is not lazy and is allowing time to go by without resolving this.
Product: Debt collection

XXXX XXXX ( XXXX XXXX XXXX XXXX ) did not update the billing information on this account. It relates to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX. I owned this property until XX/XX/year> when I sold it and moved to XXXX. They did not update the information for the new owner for a couple of months. They have sold the debt to multiple collection agencies, which have reported collection accounts on my credit. I disputed the first collection agency and it was removed, today IC Collections has reported a collection account on my credit.

This is ridiculous that a debt can be re-sold multiple times without regard to reality of the situation.

I can provide proof of my sale of the property and move to XXXX  to prove it's not my responsibility.
Product: Mortgage

My name is XXXX XXXX. In 2011, I filed bankruptcy. I had a 2nd mortgage on my property at XXXX XXXX XXXX XXXX Ca. XXXX. I was given the option to keep the 2nd as a lien on my property and if/when the property sold, the debt would be paid. That is how I understood it. I received notice that a company called Realtime Resolutions bought the 2nd mortgage. It would always say if you filed bankruptcy, this is not an attempt to collect a debt. I just assumed it was for informational purposes only. Early XXXX, my WHOLE family started receiving phone calls that my home was in pre-forclosure. I thought it was a joke. I pay my mortgage on time every single month. Never once did I receive a phone call from real time resolutions to try to resolve this. In XXXX, I reached out for legal advise. They looked into and said the best thing I could do was to fill out a loss and mitigation application. He advised me that these companies buy the loans for pennies on the dollar and they would most likely settle. I first reached out to family to see if I could borrow some money to help settle. Once I got a good amount of money, I filled out the application. I was going back and forth with them. The first letter offered 2 options. Short sale or {$64000.00} lump sum. That lump sum is more than what my statement says is due. Every month, they say total amount due is {$41000.00}. At the time I filled out the application, I was working full time. On XX/XX/XXXX, I was laid off from my job. When I informed Realtime,  according to XXXX, any changes to my income or assets bears no weight on their decision which is as follows. 
1. pay a lump sum of {$4400.00} and then pay {$260.00} a month until the loan is paid off. 
2. short sell your home 3. pay {$65000.00} lump sum to pay off loan. 

Yes, this is what is happening. I don't have that kind of money. I felt bullied into paying something that was way more than what I owe. They are rude and to do something like this during a pandemic is unacceptable. I offered to settle but never did I imagine it would be {$20000.00} more than what my statement shows. 

I feel like I did all that I can do to try to settle. I can barely afford to pay my own bills let alone come up with this ridiculous amount of money. I live check to check right now and I cant afford another monthly payment. 

I would hope that Realtime is willing to make a fair and just settlement with me. Not one that either breaks my bank of throws me and my family on the streets. 

Thank you
Product: Mortgage

We have a long, storied history with NewRez regarding the removal of our PMI. We initiated this process in XXXX of this year, however it was not until XXXX that they scheduled the Broker Price Opinion of our property. I will not rehash the past in this complaint, but I have already filed 4 complaints with the CFPB regarding this issue ( See complaint numbers : XXXX, XXXX, XXXX, XXXX. As per the letter I received from NewRez Financial, my PMI was cancelled XX/XX/2020. The letter also states I will receive an updated escrow analysis which would reflect my new mortgage payment. I never received an updated analysis. I called XX/XX/2020 and spoke with a representative, who told me that the escrow analysis was due to be completed XX/XX/2020 and I should receive a copy shortly. Today is XX/XX/2020 and I have never received an updated escrow analysis. I called NewRez again this afternoon only to find out they never performed an updated escrow analysis. I have been billed the same amount for my mortgage every month since my PMI was " cancelled ''. My payment has never reflected the cancellation of my PMI. Furthermore, as my PMI was cancelled XX/XX/2020 the 45-day deadline for NewRez to return any PMI overpayments after cancellation passed XX/XX/2020. I have not received any refund checks, nor has there been any credit to my account for the amount I have overpaid. The agent I spoke with today told me she put a " rush '' on another escrow analysis, and that I should expect it by XX/XX/2020. However, after being lied to about this before, I will not believe it until I see it. 

In addition to the PMI challenge I have experienced, we have also experienced numerous challenges with the Escrow department at NewRez. In addition to the four CFPB complaints made about our PMI issue, I have filed an additional 3 complaints regarding their handling of my Escrow account. This company has lied to me over and over again. Something needs to be done about this.