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

In 2017 we contracted with XXXX to replace our roof. We paid with our Citi Card. The work was not done correctly and we filed a dispute with the Citi trying to get XXXX to correct the problems. We originally received a credit for our dispute and that was later cancelled and we were billed again. We contacted Citi and had a dispute manage helping us. She agreed that XXXX needed to correct the problems and were again given a credit on the account. After years of contacted XXXX and getting inspections from an in depended contractor to document the problems XXXX agreed to correct the problem. I the mean time Citi started to send us bills and demand payment before the work was completed. After numerous calls to Citi we agreed to a payment and Citi was told to cancel the card. Citi did not cancel the card and we were billed a membership fee even after the card was supposed to be canceled. We started to get a call all in XXXX except for my name and Citi card. I do not speak or understand XXXX so I assumed this was a scam call. I finally called Citi Card and was transferred three times and was told would continue to get calls. I told the rep that I would be filing a complaint and on XX/XX/XXXX I received a letter telling me my calls would stop but they would be reporting to a credit reporting agency that the account is delinquent. This is not acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that there were several inquiries on my report that I do not recognize and did not authorize. There are all listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Asked to close account multiple times, requested to put a stop on everything and they will failed to do this. They keep telling me to call the fraud department and that number hangs up on you. The next issue is they keep reopening an account once you close it. If there are ACH or deposits they should fail and I as a consumer should contact the companies. 

REGIONS bank is the worst bank ever. DO NOT USE THIS BANK ....
Product: Credit card or prepaid card

IM VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX, AND XXXX REPORT AND NOTICED ACCOUNTS AND INQUIRES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT.
Product: Debt collection

On my Credit Report, I saw a collection account from a debt collector acting on behalf XXXX XXXX XXXX. I was able to retrieve the lease which was active at a time. I had my own lease with a different leasing company. Also, the email used to sign for the lease is not mine either. I wrote to the debt collector who has not responded and refuses to remove this debt off my credit report. I reminded them it is illegal to report accounts on my credit report for which isn't mine. 

This debt was already deemed invalidity by another debt collector for the same company. Please see the attached.
Product: Debt collection

2 loan companies ( Cash Central, XXXX XXXX, addresses below ) and two credit reporting company ( XXXX XXXX  ) are involved. 

This was a request to Cash Central and XXXX XXXX to remove from XXXX XXXX and XXXX a loan reported for {$310.00} in XX/XX/XXXX, and taken to collections in XX/XX/XXXX. A request for removal of the loan from my credit report was made to XXXX, which was denied despite evidence the loan was fraudulent. The loan was fraudulent, was a result of Cash Central obtaining a frozen credit report, and has been reported to the FTC. A police report was filed. 

A request for my frozen credit report was requested from XXXX by Cash Central in XX/XX/XXXX ( CASH CENTRAL, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, ( XXXX ) XXXX ). Cash Central is a over-the-phone loan service providing loans to low-credit distressed customers at high rates. XXXX  provided Cash Central with a copy of my XXXX credit report, which includes social security numbers and personal information, despite my having a credit freeze on XXXX reports. 

The same month, XX/XX/XXXX, an account was opened in my name and social security number by Cash Central in XX/XX/XXXX, as reported by XXXX ( see Exhibit C ). This was not me and opened without my consent or knowledge. 

The same month, a loan was taken and a new loan account was reported in my name and social security number by Cash Central in XX/XX/XXXX, as reported by XXXX ( see Exhibit C ). This was not me and opened without my consent or knowledge. 

The Cash loan was never paid, and was taken to collections by XXXX XXXX for an outstanding balance of {$310.00} ( XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, ( XXXX ) XXXX ) in my name and social security number as known to Cash Central in XX/XX/XXXX, as reported by XXXX ( see Exhibit D ). 

Fraud alerts were filed, one with XXXX ( see Exhibit E ), one with XXXX ( see Exhibit F ), and one with XXXX ( see Exhibit G ). 

XXXX failed to show that identification had been provided in making the loan, and refused to correct the record. There has been no response from Cash Central or XXXX XXXX. 

A police report was filed. 

In summary, the Cash Central loan and the XXXX XXXX accounts were the result of credit fraud of an unknown party, and not by any knowledge or action by me or my family. This information is provided so as to obtain a police report, that can be used in the clearing of this fraud from my credit history. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Dated XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Kindly remove this to my credit report. This is causing me a lot of XXXXXXXX XXXX XXXX.
Product: Debt collection

On XX/XX/XXXX, this company requested a payoff amount from my closing attorney to collect on a Non-Collectable XXXX debt that I had no knowledge of who this company was in the state of GEORGIA XXXX County of XXXX in the amount of {$29000.00} from ( XX/XX/XXXX ). The original creditor was PAID IN FULL at closing, and this company still requested this payoff as well. That is WIRE FRAUD, and I want all my money back ASAP the same way they took it. I have tried multiple times to reach out to the company to give me my money bank, they have told me this case is closed on their end meaning no money has been returned back to me and since then, I have been unsuccessful in communicating with them.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C
1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I am filing a claim complaint with the XXXX regarding Experian did not properly investigate disputes and fails to remove or reinserts disputes, error on reports in timely manner using a credit consultant and wrong information on my report. They did not properly investigate or follow up credit advisors. With this when my credit was access it result in not being approved. 
Withholding and not properly reporting my information to different consumer.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am addressing several violations of the Fair Credit Reporting Act ( FCRA ) that have occurred in relation to my credit report. Specifically, I am disputing the inaccurate information that has been reported, and I believe several FCRA provisions have been violated. 

First, under FCRA Section 616, I assert that the credit reporting agency willfully failed to verify the accuracy of the information they reported about me, which could subject them to civil liability. Under FCRA Section 603 ( d ) ( 2 ) ( A ), they also failed to inform me of my right to opt-out of sharing my personal information, which is deceptive and infringes upon my rights.

I further point to FCRA Section 623 ( a ) ( 3 ), where the reporting of inaccurate inquiries and accounts without proper validation may be considered deceptive and non-compliant with generally accepted accounting principles. Additionally, I highlight violations related to Debt Collection Practices, where inaccurate debts were reported without my consent, leading to undue harassment and distress.

I also point out violations of the Acquiring Location Information Regulations and Timely Payments Regulations, where debt collectors contacted third parties without my authorization and reported inaccurate late payments, respectively. I have requested that the credit reporting agency delete or correct this information, including erroneous late payments and accounts that have not been properly validated by the debt collectors.

In this letter, I have made specific demands under 15 U.S. Code 1692g, requesting that the debt collectors validate the debts they claim I owe. I have asked them to provide proof, including original contracts or documentation showing that they have the right to collect these debts. If they fail to provide this proof, I demand that the accounts be removed from my credit report, referencing the legal precedent set in XXXX XXXX XXXX XXXX XXXX 

In conclusion, I expect these issues to be resolved promptly. If the violations are not addressed, I will pursue legal remedies under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I'm contacting you because as right now Trans Union has just allowed a Company by the name of XXXX XXXX to report to my credit reports. This account was removed from Credit reports over a year ago and I have never been contacted by XXXX XXXX with any validation information from this account. On XX/XX/2022 XXXX removed this company from my credit report. As of today trans union as has added in back on. Ive been a victim of Identity theft and have been working really hard to build my credit and this type of mistake cause me extreme distress. 

the FTC number is XXXX and the last complaint that was filing on XXXX is XXXX Please have Trans Union Promptly remove this information from my credit reports! 

Ive tried to speak with someone over the phone but they ignore my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received and closely studied a copy of my credit report. To my dismay, it seems as though Equifax Mortgage Servi is reporting a few alleged Inquiries for date of service XX/XX/2018 XX/XX/2018 XX/XX/2018 XX/XX/2018 XX/XX/2018 XX/XX/2018 that has been unauthorized, not compliant, or without permissible purpose onto my credit report. I then send them a certified letter with return receipt # XXXX I did not authorize anyone employed by this company to make any inquiry and view my credit report. I understand that this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. The inquiry showing by this company is not of any evidence detailing my authorizing of it or any verifiable documented physical proof of the adequately and lawfully acquired permissible purpose from the one and only  legally identified me and or any person and or entity with authority to render such permissible purpose. To my understanding they have no right to violate common regulatory standards of compliant reporting laws and as such certainly are not to be allowed to injuriously, in defamation mind you, place any unproven item of information in chicanery-derived accusation ( s ) including any such claims of an inquiry deficient of demonstrated evidence of truth, accuracy, timeliness, and compliance on any consumers credit profile history much less one that has lodged a compliant checking for and calling for proof of said compliance to current federal and state regulatory reporting statues and laws UNLESS it is irrefutably shown that not only that I have authorized it but that the manner the alleged inquiry was processed and reported was in full agreeance to the acceptable standards of laws related, known or not.
Product: Debt collection

I requested that Bull City financial Solutions verify my debt to them. I requested a copy of my signature from the provider showing my request to release information and it was not provided. They sent me documents that had medical and personal information that I believes violates HIPAA. I have sent another letter today requesting paperwork with my signature.
Product: Credit reporting or other personal consumer reports

This is the 3rd request! This is not a request to verify the account please see the LAW, YES THE ACTUAL LAW below : In accordance with the Fair Credit Reporting act 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. 


Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION. 

Lasty XXXX and Experian asked for my ID and address so please see the attached requested doc 's in the uploaded forms sections. My ID has everything asked for on it.
Product: Credit reporting or other personal consumer reports

During 2021 I was out of work due to Convid 19. My XXXX, XXXX XXXX and XXXX accounts were late due to no income. One we could return to work they were paid off. However the put negative statement on my report. My entice work place was shut down. My XXXX  also turn me over to collection.
Product: Checking or savings account

I have been charged for a month subscription since XXXX of XXXX each month for XXXX up until XX/XX/XXXX. I did not notice the transaction until XXXX of XXXX. I filed a dispute with Chase Bank credited back all 6 months of charges and then reversed. I then contacted the merchant, XXXX, and they credited back 4 charged on XX/XX/XXXX and sent me a receipt showing 4 credits. I sent this document to chase, filed a claim, chase credited me back 3 charges and the reversed the credits. Chase at this point closed the case and will not reopen a dispute. I have contacted the merchant and they gave me transaction number. I contacted Chase and they stated the transaction number do them no good. I need help
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I informed XXXX XXXX XXXX XXXX that they are not licensed to collect a debt in NY state and they informed me that they have a certificate of authority and upon my research they are mistaken. 
" A Certificate of Authority is a basic registration requirement for businesses operating in New York State, but it does not grant them permission to engage in debt collection activities. Debt collectors in or outside New York State need to obtain a specific license from the Department of State, Division of Licensing Services, in addition to registering with the state. 
Debt collectors must also obtain a license from the New York State Department of State, Division of Licensing Services, and comply with the New York State Debt Collection Act. 

this is what it says on the NYS DCA 'The law that states debt collectors must comply with the New York State Debt Collection Act ( NYS DCA ) is New York State General Business Law, Article 29-H, Sections 601-612. 

Specifically, Section 601 of the General Business Law states : " Debt collection agencies shall be subject to the provisions of this article and shall be required to obtain a license from the department of state before engaging in the business of debt collection in this state. '' This law requires debt collectors to register with the New York State Department of State, Division of Licensing Services, and comply with the regulations set forth in the NYS DCA, including obtaining a license, maintaining records, and following specific guidelines for debt collection practices. 

It's important to note that the NYS DCA is a consumer protection law that aims to regulate debt collection activities in New York State and protect consumers from abusive and deceptivepractices. 
he requirement for a debt collector to obtain a license, in addition to a Certificate of Authority, is stated in the New York State General Business Law, Article 29-H, Section 602 : " A debt collection agency shall not engage in the business of debt collection in this state without first obtaining a license from the department of state ... A certificate of authority issued pursuant to section 201 of the limited liability company law or section 303 of the partnership law shall not be deemed to be a license for purposes of this article. '' This section explicitly states that a Certificate of Authority, which is a basic registration requirement for businesses in New York State, is not sufficient for debt collectors. They must obtain a separate license from the Department of State, Division of Licensing Services, in order to legally collect debts in the state.

So, while a Certificate of Authority is necessary for a debt collector to operate in New York State, it is not enough on its own to allow them to collect debts. They must also obtain the requiredlicense. 

if they do not have a license then this is illegal debt collection practice. 

I also submitted proof on the attachments that shows bull city financial is not licensed in New York state.
Product: Vehicle loan or lease

I have told Wells Fargo Auto Finance that they needed to show XXXX months of my past bank statements, they never asked for them at the car dealership. These are required to ensure that I can afford the amount of the loan the car dealership requested. 

They have not complied with this very simple request. They need to ask for these statements which will show I didn`t qualify for this loan.
Product: Checking or savings account

I filed a Police report. 
The Bank also said they did not care about the fair and debt collection practices law of 1973
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX Im trying to withdraw my funds {$2900.00} from XXXX. 

XXXX randomly told me that my account is restricted and under review. My account is now locked and has been locked for a week. I wasnt told why. XXXX told me to upload my Drivers License and a picture of my face to verify who I am. I was told by XX/XX/year> my case would be resolved. When I checked today ( XX/XX/XXXX ) Im now being told it will be resolved tomorrow XX/XX/year>. 

All I want to do is withdraw my funds because I NEED THEM! 

I looked online and hundreds of other people are having the same issue with XXXX. 

Their customer service is non existent. The only number they have to call leads to an automated message that hangs up on you. Ive yet to be able to chat with someone through their APP. Its been days and Im still waiting to be connected to an agent.
Product: Mortgage

I have been working with Bayview Loan Servicing for 7 months to do a deed-in-lieu on a mortgage i 'm in default in. 

Their most recent reason for the delay is, after asking me, " do you have any liens on your home? '' My response is now yes. Up until two weeks ago, there were no liens on the property. As a result of Bayview draging their feet and failing to respond to request for information for months, my HOA has now placed a lien on my home and says they will be foreclosing on it soon. 

I 've contacted XXXX XXXX and made another good-faith attempt to resolve the lien but ca n't get him to respond in writing. 

I have the money to resolve the {$10000.00} HOA lien but do n't want to resolve it until Bayview says they are willing to move forward with the DIL process. 

They say that they need to " verify my income. '' I 've sent them the same paystubs and bank statement for 7 months. They are consistent and rarely fluctuate. 

They 've endlessly asked for the same paperwork over and over. 

I have plenty of evidence to support that WHEN Bayview actually request information, I usually respond within 24 hours. If I ask for information from them it take weeks and up to a month for them to respond. 

Additionally, I am hearing and speech impaired. They 've refused to make reasonable accommodations as outlined in the Americans with Disabilities act and allow me to communicate via email for for efficient service.
Product: Debt collection

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file :
Product: Checking or savings account

Paypal held funds without my authorization in the amount of XXXX. Pay pal has continue to hold funds illegally in connection with the violation with the XXXX XXXX XXXX. Pay pal has not issued payment with first judgement for same illegally activity an Electronic hold with authorization.