23daVinci/CFPB_Complaints huggingface dataset:
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that 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, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX AL XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$980.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$4200.00} ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Checking or savings account

On XX/XX/XXXX, I requested funds be transferred via a bank to bank transfer to my XXXX account on record with Western Alliance. No fund were transferred. On XX/XX/XXXX, I requested funds be transferred to my XXXX account and the Western Alliance account be closed. Western Alliance claimed the transfer did not go through as directed by me. The bank did not answer my e-mails except to say " it takes time '' to complete a transfer. My complaint is that Western Alliance did not communicate any of that information to me until several days after the problem occurred and then only because I initiated several phone calls to the bank. On or about XX/XX/XXXX, I called the bank to find out why I did not receive the bank to bank transfer. At that time it was explained to me there was a glitch in the bank to bank transfer. I asked them to use another method to transfer the funds i.e. wire or cashier 's check that I pick up at a branch. I was informed that the bank would not use those methods because I was dealing with an on-line bank. I was told that a cashier 's check could be mailed to me. It is XX/XX/XXXX and the check has not been issued or mailed. I needed my funds over week ago and I am still waiting for Western Alliance to " process '' the check. My biggest concern is that my e-mails are ignored, and the bank does not follow up and or keep me informed of the process.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act convergent Account # XXXX and Account # XXXX has violated my rights 15 U.S. C 1681 section 602 A state I have the right to privacy 15 U.S.C 1681 section 604A section 2 it also State a consumer reporting agency can not furnish a account with my written instruction
Product: Mortgage

This issue is with AmeriHome and a forced gap-insurance policy that was created, but later found out to be a mistake by them. 

In the Summer-Fall of XXXX AmeriHome became the new service provider to my mortgage, including paying my homeowners insurance. In approximately XXXX of XXXX, I was informed by them that my mortgage did not have insurance coverage, and I would need to create a new policy, which I did. Then I discovered that they had created a gap-insurance policy ( through a partner company ) for the missing coverage. It was then after many phone calls that I discovered they had been notified many times by the previous insurers that a request for payment had been made but AmeriHome did not pay the due money from the escrow account. I have documents showing they did not pay these requests ( from the previous insurer ). I have been in constant communication with them to discover when a refund for the amount would be received. They then transferred my mortgage to a new servicer. 

On XX/XX/XXXX I again called them only to find out they did not have any further knowledge about the refund and it would likely be added to escrow and that I should call my new servicer to get additional information. On the same day I called the new servicer and they informed me that AmeriHome did not provide any refund amounts to escrow. And I would need to continue this with AmeriHome. 

This process has been painful, unending and highly unethical at best. Any additional information you can offer would be appreciated Thanks XXXX XXXX
Product: Credit reporting

Status of my Account reported to the XXXX credit bureaus XXXX not what was promised in my settlement agreement with XXXX Bank - Status currently shown as " Charge Off '', Settlement Letter Stipulates " Settled in Full '' XXXX XXXX Bank through its designated agent XXXX XXXX sent me a settlement offer stating if the amount requested was paid, my account would be " settled in full '' I paid the amount and met my side of the agreement. To this date, XXXX Bank is saying they do not have to report the status of my account as " Settled in Full '' I feel I have been defruaded by a bait and switch tactic taking advantage of someone just coming out of 4 years of unemployement due to the recession and trying to clean up the damage to my credit caused by unemployment ; offers to report the status positively as " Settled in Full '' to get the money and after recieving the money reneges on their agreement letterSee attached letters
Product: Debt collection

Dear Sir/Madam, I am writing to request validation of the debt you claim I owe, as provided under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please treat this letter as a formal request for verification of the debt in question. 

The details of the debt you are claiming are as follows : Account Number : XXXX Amount Owed : XXXX Creditor Name : Capital XXXX Please provide me with the following information to validate the debt : The amount of the debt, including a breakdown of any fees or interest charges that have been added. 

The name of the creditor to whom the debt is currently owed. 

A copy of the original signed contract or agreement, or some other evidence of my responsibility for this debt. 

A complete history of any payments made on the account, if applicable. 

Any judgment, lien, or collection proceedings related to this debt. 

In accordance with the FDCPA, I ask that you cease any collection activities until the debt has been validated. Additionally, I request that you provide me with documentation showing that you are authorized to collect this debt on behalf of the creditor. 

Please send all correspondence to the address listed above. If you fail to provide the requested information, I will consider this matter resolved and will take appropriate action as necessary to protect my rights. 

Thank you for your cooperation. I look forward to your prompt response. 

Sincerely,
Product: Checking or savings account

I was a victim of identity theft in XXXX of XXXX. On XX/XX/XXXX a Checking Account was fraudulently opened in my name with TCF Bank and a deposit of {$750.00} was made. I had already set up XXXX at the time, so they notified me of the account being opened and we called TCF Bank together. We spoke with Customer Service and I requested they close this account as fraud. We were told that the account was marked as fraud and would be sent to their fraud department for follow up and there should be nothing else I need to do. I continued to receive mail from TCF Bank, so I called again ( not sure of exact date ) and was again told that they would close the account as fraud. In XXXX of XXXX I received a notice that my account was assessed a fee for being dormant and the account was now overdrawn by {$4.00}. I called Customer Service again and was told that they would close the account and waive the fee, however the representative was having trouble waiving the fee in the system, so he said he would call me back when the issue was resolved. I didn't hear anything for a week, so I called again on XX/XX/XXXX and was told that the only way they can close my account is for me to send a notarized letter to TCF Bank requesting for the account to be closed. The explanation for this was that their fraud department ( they call it something else, but I can't remember ) froze the account, but did not close it. The freeze prevents them from closing it in their system and, since there is no branch in my home state, the only recourse for account closure is the notarized letter.
Product: Debt collection

I do not owe this company anything. I called to amicably resolve this matter, and all they did was try to scare me into paying this debt. Statements such as " your credit will keep going down each week we report, and it will keep hurting your score if you do not pay us. '' This are violations of my rights, and I ask that this company remove this collection account from all the bureaus.
Product: Money transfer, virtual currency, or money service

Cashapp has closed account there was time when funds was not replaced not being able to dispute items
Product: Credit reporting

I want the Aged out account information being reported to be removed from my Experian Credit Report and up dated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX I have contacted USAA about billing statement, payment, and Date of First Delinquency issues. 

First billing statements are missing the year of XXXX, which I believe is the start of the date of the first delinquency. 

Second payment history, I can not see when a payment was made by whom, or where it came from. 

Date of first Delinquency keeps changing, between credit bureau and USAA. 

In addition to this my debt was forgiven in XXXX tax year. 7 years after the original charge off date. See attached.
Product: Debt collection

I check my credit often and I noticed my score went down almost 100 points. There is a collection on my credit for {$600.00} by G C services. The original creditor is XXXX. I contacted XXXX and they confirmed I do not have a balance due. I do in fact have current services with xfinity but this account is different than mine. My xfinity account is for internet and there is no past due balance. I called xfinity to confirm and an agent told me I do not have a past due balance or any other account in my name. When I contacted G C services and asked why this was on my credit, they told me that my social was used so the debt is verified. I have never had xfinity mobile services in my life I only have home internet and the other account that G C services claims I have is with a different address that is not mine. I do not believe I should have to pay on a debt that is not mine and hasnt been proven to be mine. XXXX says I do not owe any balance and Im confused as to how a collection agency is trying to collect debt from me for services I have not used. I was also never called, mailed, or sent anything about this debt i only knew about it from checking my credit on experian.
Product: Payday loan, title loan, or personal loan

I have taken out several loans before with Check N Go. It has never been a problem paying them back, even with their exorbitant interest fees. 

The COVID19 virus has hit me hard and I have been temporarily out of work. CnG calls me numerous times throughout the day harassing me for payment. I paid back every penny I borrowed, plus hundreds in interest. I owe only interest still per contract. They know I can't work and they refuse to work with me. 

There are daily calls from hyper aggressive employees who apply high pressure tactics. 

The amount I borrowed is {$3000.00} and the amount I have paid back is about {$5000.00}. They said I still owe about {$2500.00}. I am having a hard time dealing with my current financial situation due to the virus and I have asked CnG to work with me. They simply will not hear it and have became increasingly aggressive with their collection tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 
XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I also demand you to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 

In the absence of any such documentation bearing my signature. I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my social security number. 

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 

Best Regards, XXXX XXXX XXXX Mack Agent/Beneficiary Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting or other personal consumer reports

I have been going back and forth with this company for about XXXX are more years asking for things to be dispute off my account especially the ones I didn't do I have never talk to anyone since I have been with them .how can you help me with experian XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX Account Number 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXXXXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Mortgage

UWM # XXXX. Our home was completely destroyed in a house fire XX/XX/XXXX. Our homeowners policy has paid in full for the structure. We were going to rebuild but I was diagnosed with an illness with a poor prognosis in XX/XX/XXXX, so we are no longer able to do so. UWM has been notified ( both mortgage and loss drafts sides - loss drafts manages reconstruction finance ) multiple times. The initial funds sent to us to begin construction have been returned to UWM. 
UWM is in possession of more than enough money required to pay off our mortgage. They actually owe us a refund. Those funds are currently split between two UWM departments giving the impression the mortgage is not paid in full. UWM is in possession of ALL insurance proceeds dedicated to the loss of structure. We relayed this to our homeowners insurance carrier who recommended we cancel our policy since we have a destroyed structure, are not rebuilding, and believed UWM would reconcile the funds as we were told they would during one of our phone calls. 
We received notice in the mail that UWM intends to purchase home owners insurance for our property and charge us accordingly. Each attempt at clearing things up with either the mortgage or loss funds side results in the department pointing the finger at the other for responsibility. They act like its impossible for them to speak to one another.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  XXXX Account XXXX : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX Account XXXX : Unknown Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Someone tried to hack my account and they acted as if it was myself and closed my account out
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS A BANKRUPTCY THAT IS SHOWING ON MY EXPERIAN CREDIT REPORT THAT DOES NOT BELONG TO ME. I CONTACTED EXPERIAN AND WAS TOLD THAT IT WAS VERIFIED FROM THE COURTS WHICH WAS NOT TRUE. I SENT THEM THE PROCEDURAL REQUEST LETTER, I SENT DOCUMENTS WHERE THE COURT STATES THAT THEY DO NOT VERIFY ANY INFORMATION WITH THE CREDIT BUREAUS, I CONTACTED EXPERIAN AGAIN AT THAT TIME THEY STATED THEY VERIFIED IT WITH XXXX XXXX, I CONTACTED XXXX XXXX THAT STATED THAT VERIFIES IT WITH THE COURTS WHICH AGAIN IS NOT TRUE. IT IS AGANIST THE LAW TO HAVE INCORRECT AND UNVERIFIABLE INFORMATION ON ANYONES CREDIT REPORT.
Product: Mortgage

I did submit my mortgage payment using the Pay Bill from my bank ( in this case XXXX XXXX XXXXXXXX -- see proof ) Such payment was, according to XXXX processed on XX/XX/2023. However, when I checked the online profile on Bank of Texas, the payment was not been reflected on XX/XX/2023. I contacted BofTX and received the replay they have not received such payment and I should WAIT FOR THEM TO PROCESS ( XXXX. In between, my mortgage profile remains delinquent. I issued a inquiry with XXXX about the XXXX XXXX not been processed and I was provided with the electronic payment number XXXX. I contacted again BofTX and talked twice with XXXX who said the payment should be reflected by Monday, XX/XX/2023, which it is today but my mortgage on the online profile still shows my payment been due. I feel both banks are just jugging in between and not get my issue resolved. I am out of {$1400.00} dlls from my checking and I still have my mortgage payment not been received. I was indirectly pointed the fact that I do not have an automatic payment set-up for BofTX to get the payment directly from my account, which it is something I prefer not to do. In the almost 9 years dealing with this mortgage, this is the 1st time my account shows been delinquent. Can you help?
Product: Credit reporting or other personal consumer reports

A SunTrust/Truist representative agreed that if my balance was paid in full they will not list my account as a Charge-off/Collections. However, after reviewing my credit report it is showing that I have a Charge-off/Collections from SunTrust/Truist. I spoke with a SunTrust rep months before making my full payment in XXXX of 2020 and they assured me if paid, it will not be listed as charged-off. However, after recently speaking with a rep from Truist and she informed me that the following month of XX/XX/2020, my account was labeled as a charge-off. I feel like I was lied to and mislead by the company. I have submitted a complaint with the XXXX. I also filed a complaint with the company to no avail. The only thing the company did was update my account. I also don't understand why they would list this as a charge-off if they received payment and it didn't go to collections. Please help me understand this.
Product: Credit reporting or other personal consumer reports

Re : Second Complaint Regarding Unverified and Inaccurate Collection Accounts on Credit Reports I am writing to file a follow-up complaint concerning multiple collection accounts that have been inaccurately and inconsistently reported on my credit reports by XXXX, TransUnion, and XXXX. This letter serves as a continuation of my efforts to resolve these discrepancies, as per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
The accounts in question are : 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/DEPT OF ED 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 XXXXXXXXDEPT OF EDXXXX XXXX/DEPT OF XXXX XXXX XXXX EDXXXX XXXX/DEPT OF XXXX XXXX/DEPT OF EDXXXX XXXX/DEPT OF XXXX XXXX/DEPT OF EDXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Despite my previous attempts to rectify these inaccuracies, including direct disputes with the aforementioned credit bureaus and the collection agencies, the errors persist. Each credit bureau reports different information about these same accounts, which is a clear indication of inaccurate reporting and a violation of 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Under 15 U.S.C. 1681i, I have the right to challenge inaccurate information in my credit report, and the credit reporting agencies are legally obligated to conduct a reasonable investigation into these disputes. However, the responses to my previous disputes have been unsatisfactory, and the inaccuracies remain unaddressed. 

According to 15 USC 1681 : I HAVE THE RIGHT TO PRVACY AND I DID NOT GIVE XXXX, TRANSUNION OR XXXX WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.