23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

on or around XX/XX/2017 I started receiving notices from this company XXXX XXXX stating that I had purchased a dog from them for over 5,000 dollars at that time I became furious because i had not applied for credit and i have a fraud alert added to my report so before credit was issued they were to contact me. I requested paperwork from the company in regards to the dog all they could provide was a pre printed contract without my signature, I also filed identity theft in regards to this. This company has been very nasty to me and not providing much help. They have been contacted several times by my attorney in reference to this. I was also advised to file and IC3 complaint for crimes that take place over the internet.
Product: Mortgage

XX/XX/year> was the date shellpoint mortgage company took out XXXX payments of {$260.00} when they only had the ok to auto deduct XXXX payment and they refused to refund the money back to account and I have placed XXXX complaints with shellpoint mortgage on this since date deducted so they have fraudulent stolen money out of my account causing me real hardship since I am on fixed budge. This is Shellpoint mortgage companyXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This states a loan was opened in my name on XX/XX/2014. I have no knowledge of this loan or company. 

Company Name Flurish INC XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX I obtained a credit report for my first time in many years and am reviewing it. It says I owe {$520.00} dollars which is wrong. I need to get this resolved with your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax security breach media release provided a website where you could check if your information was breached and have enrollment to a credit protection plan to monitor your record for 1 year.
I went to the website where it confirmed my information was part of the breach and I was eligible to enroll. I selected the enroll button, entered some information, and was presented a message that I needed to follow the line and click 'continue ' to complete the enrollment process. I followed the instructions, but when I did the 'continue ', it returned to the check if data was breached - - it just kept circling in the verify your eligibility screens, One message said because I chose to enroll, that I would not receive further notices from Equifax on any credit breaches. 

I then called the phone number on their website to contact them ( XXXX ). It answered with a greeting, but then disconnected. 

In short : They offer free credit monitoring enrollment, but the website will not allow you to enroll, and by making the enrollment attempt, you relieve them from their obligation to keep you informed. They offer a phone contact for questions/support, but the phone number does not work.
Product: Mortgage

nationstar dba mr. cooper has declined doing a hardship medical modification because we had one for same reason 12 months ago. they have been very uncoperatuve. dealing only with a call center person XXXX XXXX who says a lot of people have medicll issues. this mortgage is my wifes name she is recovering trying to from XXXX XXXX  I am her husband of XXXX yrs XXXX  vet and getting treated after you have paid mortgage for over 15 years. is wrong I had to quit work to take care of wife the judge state flordia said that was great. I need someone to contact natonstat you ony can fax these people you canot call. please help us wife in dr. XXXX hospital now.i
Product: Credit card

Truist bank has took it off my credit then on XX/XX/XXXX they updated a written off account and wasn't on my credit now it is and hurt my credit where I can't get credit. on XXXX I have tried to dispute it but they won't let me. it closed on XX/XX/XXXX then reopen and updated on XXXX but not by me that's against the law according to FCRA laws
Product: Mortgage

On XX/XX/XXXX I contacted Arvest Mortgage Company to make them aware that they have not paid the taxes on my property {$4000.00} which was due by XX/XX/XXXX. I was told that they would resolve this issue immediately and ensure that the taxes were paid. On XX/XX/XXXX I received a call from the company stating that the taxes were paid and was not due until XX/XX/XXXX. On XX/XX/XXXX I made contact with the county tax office and was informed that the taxes have not been paid by Arvest and I am still delinquent on paying taxes to my property. I made contact with Arvest again on XX/XX/XXXX and the staff member Informed me that the taxes were not paid and she could not provide me with an update on when and how this issue can be resolved. At this time, the Mortgage company Arvest have failed to pay taxes on my property and resolve the issue timely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized and fraudulent credit inquiries made by the following companies : 1. XXXX XXXX XXXX on XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

Public record of bankruptcies is showing on report. Court has verified that they didn't verify this information to bureau. In fact law states only last four of an individuals social security will be reported to public record. The bureau has failed to provide verification and I dispute the accuracy and compliance. I have requested written verification as well as a signature by me to verify. There is no such debt. Also XXXX   has removed 22 accounts, but Transunion states they verified the same accounts. I thought the credit reporting agencies use the same method of verification. How can one credit reporting agency come back with something different if they use the same method of verification. The accounts that have been removed by XXXX are XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My husband and I tried to use Experian to get our free credit score and report in XX/XX/2016. 

To use their free service, one must submit credit card number and agree to their free trial period, which can supposedly be cancelled anytime within the trial period without incurring any additional charges. 

However, when I tried to log on to their website to cancel my trial period, the website was inaccessible. Each time, my login failed, and when I answered all the security questions, those failed as well. Every Single Time. My social security number did not change, nor did my mothers maiden name. Yet Experians website claimed my answers did not match their records, so they could not access my account.

Subsequently, we have been charged every month for 32 months for a service that we neither desired or could even access. The charges started at {$21.00} per month, per person, but are now up to {$24.00} per month, per person. To date, we have been charged over {$1200.00} for a service that we never desired nor could access. 

When I finally called to request a full refund, I was told that I had agreed to all of this and a refund was not possible. 

Please force Experian to issue a full refund for my and my husbands accounts and also enact severe legal consequences against them for committing fraud against their customers. 

Thank you.
Product: Debt collection

Company will call with threats and have and will not say who they represent so I can confirm if the dbet is mine or legal I have asked the company to send validation of said debt.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

Green tree has been harrassing me. They call 10x day, called my husband, my mother, my aunt. Green tree has called my business and has disclosed my personal financial information to employees. Green Tree has been abusive in its communications, threatening me and using profanity. I have asked Green Tree to stop calling me and they refused. I am stressed and embarrassed and do n't know what else to do.
Product: Debt collection

Back in the early month of XX/XX/2022 I contacted this company for validation of the debt they have inaccurately reported to my credit profile. I have found *several* inaccuracies on my report that further prove my suspicion of this account being fraudulent and NOT MINE. Attached is proof of the credit report with misinformation differing across the three credit bureaus. I kindly request this item to be removed completely, never to be added back again. I understand that the Fair Credit Reporting Act regulates credit bureaus and collection agencies to ensure proper and accurate reporting for all consumers. In this case, I have not been treated fairly as the reported accounts are continuing to show -- with mismatch information especially. The history for XXXX is missing -- COMPLETELY The history for XXXX is showing as 100 % PAID The history for XXXX has gaps in payment history and differs from the other reports that XXXX and XXXX has provided. Again, this is a very clear-cut violation of the Fair Credit Reporting Act. This company does NOT care about reporting accurate information -- nor do they care about customer complaints when said customer is a victim of identity theft. I need something done about this immediately!
Product: Checking or savings account

I believe my accounts with Wells Fargo was charged overdraw fee that were not necessary or delay my payment so that I am charged an overdraw fee.. I would like for you to look into this issue to see if I'm eligible for some of the consumer payback that Well Fargo is offering. Please contact me by email or by phone at XXXX. 

Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX. 
Dear Equifax, I am writing to follow up with my previous correspondence letter regarding unauthorized hard inquiries on my credit report as per the FCRA law. 
XXXX XXXX XXXX XXXX, XX/XX/XXXX. 
XXXX XXXX- XX/XX/XXXX. 
I would like to emphasize that I have not authorized any of these organizations to access my credit information and these credit inquiries are negativity impacting my credit. As a consumer, I have the right to a accurate and fair reporting of my credit information, and these unauthorized hard inquiries are a violation of my rights under the FCRA law. I have talked to a representative named XXXX. She told me on the phone that she sees all the CFPB complaints that I have filed and said the complaints are not any good to remove these hard inquiries. I told her that I also sent Equifax the proper documentations they had requested from me and still, I didn't received any response from them. I was ignored, yet again. I have sent Equifax relevant documentation that proves I did not initiate any transaction or have any affiliation with XXXX XXXX XXXX and XXXX XXXX. There is no time frame that says a hard inquiries are supposed to stay on a consumer credit report for 2 years. It is no where in the FCRA law. Equifax has continually to violate my consumer rights. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am theliving man, executor, beneficiary of XXXX XXXX. It has come to my attention that althoughI have written several letters asking for validation of debt, audit trails si am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit as it is in violation to the following federal constitutional laws : 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts Or permissible purpose. 

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 


DELETE THESE ACCOUNTS : Original Creditor : XXXX ACOOUNT NUMBER : XXXX Original creditor : XXXX XXXX XXXX XXXX Account number : XXXX Please remove account. 

Original Creditor : XXXX XXXX XXXX  Account number : XXXX Please remove account. 

XXXX XXXX : XXXX Account XXXX : XXXX Please remove account. 

XXXX XXXX : XXXX Account number : XXXX Please remove account. 

Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Please remove account. 

Original Creditor : XXXX  Account Number : XXXX Please Remove account. 

Original Creditor : XXXX XXXX XXXX Account Number : XXXX Please remove account. 

UPDATE FOLLOWING ACCOUNTS TO XXXX DAYS, PAID ON TIME, PAID IN FULL as there was a billing error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed accounts that are reporting in error on my credit report. I have sent several dispute letters in the last 7 months to have the accounts removed from my credit report. Transunion, XXXX and XXXX  have failed to validate all items reporting on my credit reports. The dates, I mailed in disputes are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Transunion, XXXX and XXXX have all my the fair credit reporting act. I want all items deleted.
Product: Debt collection

Contacted Colombia Debt Recovery XX/XX/year> XXXX spoke with a individual by the name of XXXX her email address is XXXX about a debt we never receive notice of until we say it on our credit report in good faith we tried to get this removed and sent us the proper debt and we would start to pay on it but not what they are charging us. Colombia Debt Recovery is over charging us by {$2300.00} claiming that XXXX XXXX  informed Colombia Debt Recovery that XXXX is charging us a months rent for not notifying them of our last date of residence. Our last day of residence was XX/XX/year> as the last statement XXXX sent us states that. Colombia Debt Recovery has failed to follow the Consumer Credit Laws. I have submitted all the proper documentation backing up are claim they have continued to harm us emotionally and with an amount the continue to Claim XXXX  XXXX  say is correct. I have submitted XXXX disputes with XXXX about there unfair practice of collection both time have been denied after I have submitted all the proper information. Which are included in this Complaint it's been 2 months and this has affected us greatly. Colombia Debt Recovery is negligence towards our situation while submitted proof they require. I have all emailed that I have submitted to Colombia Debt Recovery to back up my claim about there improper conduct against consumer.
Product: Credit reporting or other personal consumer reports

I have established in XXXX freezes on my credit with all 3 credit companies : XXXX, XXXX and Experian. With the recent huge data breach, i tried to log back in to check that the freezes were still in place. My phone number has changed since XXXX but I was able to log into both XXXX and XXXX. XXXX allowed me to send a security code to my email, and XXXX provided a phone number where I could speak to a person to be able to log in. 

I have tried every way possible to log into Experian, but they require a validation via phone only. Since I no long have my old number, I can not get past this. I then called multiple times the 2 numbers I can find for Experian ( XXXX and XXXX ). There is no way to get to a human being to explain that resetting my username and password is not what I need because even though i have done that I can not get to my account because they only send validation codes to a phone - there is no other option. Since they have my wrong phone number I can not receive the code and therefore can not see my account. I have tried at least 10 times to get in. 

I find this expecially infuriating because they are the company that exposed all my data ( after XXXX, XXXX XXXX XXXX, and now the global breach ). I need to get to my account in Experian and since they have programmed their bot to only tell me that they can't send me to a peron, I am writing to you in hopes that you can help me. 

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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : 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

I recently looked at my credit report and noticed several violations of inaccurate inconsistent incomplete information on my transunion and experian credit reports.ive disputed this account at least XXXX times in the XXXX years and the burueas keep reporting XXXX different account numbers for XXXX XXXX XXXX on transunion the acount number reporting is # XXXX and on XXXX the account number being reported is XXXX this violates 15 usc 1681e ( b ) the next violation is transunion reports last activity of XX/XX/year> and experian report the last activity date of XX/XX/year> that violates 15usc1681e ( b ) the next violation is the inconsistent payment history transunion is reporting no payment history and experian is reporting repeated charge offs and that violates 15usc1681e ( b ) according to the fair credit reporting act 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.delete navyfederal credit union from my transunion and experian credit reports or pay me {$XXXX} per violation.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit file. As a victim of a data breach, these items were fraudulently opened or accessed without my authorization. 
Fraudulent Accounts 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 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 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 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: Checking or savings account

For the long ngest time I have been asking Bank of America to give me my account back. I even took time out on XX/XX/2024, to resolve this ongoing problem in person. XXXX XXXX at the XXXX, FL XXXX was the employee who confirmed I was/am the only person on my account. They do not have any other account under my identity. Her number is ( XXXX ) XXXX Bottom line, today, XXXX, is proof that the bank has me placing deposits and activities on accounts that reflect another name other than XXXX XXXX XXXX. My real account DOES NOT have overdraft protection. Therefore, it can NEVER be negative. If a transaction wants to go through and the funds are not there, it CAN NOT go through. So, how is it that my online account this morning reflected XXXX XXXX dollars? Whose account is this? It's not even my real FAKE account. Why is the bank doing this to me over and over and over?. XXXX and XXXX stole my XXXX account. I walked into the bank, requested a direct deposit form tied to the fake account they had me banking with. Now it seems XXXX from the XXXX wants that fake account and has me banking with her account that has overdraft protection? Is that how this now goes? 

I'm still being stuffed {$12000.00} every other Friday. CFPB Reference # : XXXX. XXXX Police XXXX # : XXXX. XXXX Ref # : XXXX FTC Ref # : XXXX. Now, since XXXX stole the retro amount of {$200000.00} the bank has me banking with her account? What type of kind of nonsense is that? 

In conclusion, please make the Bank act right with me. I don't have overdraft protection. The account is not mine. I can not continue to be disrespected this way. All over money that belongs to me. XXXX months of bank robbery. Direct deposit bank robbery. And here is proof that XXXX XXXX did NOT withdrawal {$25.00}. 

When will this all end? I went to XXXX XXXX, CA and XXXX stole the {$200000.00} retro money. Now she has me placing activities on " her '' account with whose permission? The Bank 's employees? 

Please have the bank give me back my account that has ZERO overdraft protection. And may I see my {$200000.00} retro money plus {$12000.00} kicking in " again '' this upcoming XX/XX/2024. 

Thank You, XXXX XXXX XXXX