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

It has been a battle going through this and I am writing to delete the following fraudulent accounts and information 's in my file. The items I need deleted are listed in the report. I have been a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete the items as soon as possible : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}. Also, I have been requesting that you send me copies of proof of verification or proof of ownership regarding these items and yet I received nothing. Your continuous reporting of the disputed accounts and information is in violation of my Consumer rights under the FCRA. I demand you to please remove the disputed items from my Credit File.
Product: Debt collection

I spoke to a manager and an employee was told they dont do Debt Validation letter to prove the debt is mine. Told me they sent one already I said I never got one and they told me they dont have validation letters just itemized bills that I have to send in personal information to get. Told me from XX/XX/2019 I have a bill for over XXXX}. Told me I could dispute it but will not give me anything to further know about the bill. And I do not want to claim the bill if its an error. The company was Financial Recoveries in New Jersey.
Product: Credit reporting or other personal consumer reports

I have never used XXXX XXXX XXXX before. When I was disputing the transaction on XXXX they said they found XXXX accounts. XXXX dollars was not cashed by me. XXXX XXXX needs to be taken off of my account please. 

Now for republic finance, they have reported my payments incorrectly. It states I havent made a payment since XXXX when my last payment was in XXXX of XXXX. I havent missed a payment. Im almost done paying the loan off as well.
Product: Bank account or service

wells fargo had open another account with out me knowing, as a result i try 'd paying a credit card account and was navigated away to an account that did n't reconized and did n't pay my credit card .so i went to the bank and found extra charges ( fee 's ) and desputed them my son call the bank because i have a XXXX and XXXX veteran i always need help with my finances and balancing my encome i had electric turn off becuase i forgotton to pay even then the money was in my account i did n't know to use it and had them remove it just to fine out it was placed back again 4 months later i cancel the credit card that i place deposit on, and had owed $ XXXX ( - ) this had started around XXXX XXXX open credit card and closed about XXXX XXXX this account has been payed and becuase i had trouble navigating my account the credit card was not payed on time my son assist me with bills and set up bill pay account to better stay on track how ever the account now charged off as late a few months my account has a balance of XXXX on the frist i had ask for help with bank on mychecking acc. the report to the credit bureaus are unfair wells fargo posted as negitive infomation althought i made attemps withe bannk its still on my report and want it removed i think i can handle my account so long as the bank Well Fargo do not make changes thank you XXXX XXXX XXXX/XXXX/XXXX acc XXXX Wells Frago Bank my address XXXX FL XXXX XXXX and XXXX
Product: Credit reporting or other personal consumer reports

I recently sent for a copy of my credit report and found an erroneous charge on my credit report. It claims that I owe XXXX XXXX  ; amount - {$390.00} ; of XXXX unpaid ; Date of XXXX Delinquency XX/XX/2022 ; Individual account # - XXXX ; Adress : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX. 

The collection company 's name is XXXX XXXX XXXX XXXX I called the XXXX number and they gave me this number XXXX, and they hung up on me. 

I also called XXXX and they verified that this account does not belong to me but because they couldn't figure out who it belonged to, they wouldn't file a fraud alert, so I have to go into their website and file a fraud alert myself.
Product: Checking or savings account

I filed a dispute with Chime regarding a pending transaction that fell off, yet the money was not put back into my account. I reported the transaction and they filed a complaint against the merchant, despite me telling them that my dispute was against Chime. Instead of researching their own mistake when I asked them to provide me a bank statement with a standing balance after each transaction, they did not and could not provide it. They have yet to try and fix it ... every time I speak to someone they keep repeating themselves saying that only one transaction went through, but took money from my available balance ( XXXX charges, XXXX from XXXX XXXX, XXXX from XXXX XXXX XXXXXXXX XXXX '', Each charge for {XXXX ) on XX/XX/XXXX. This issue ended up causing a problem with my XXXX account because they call it a chargeback.I will be filing a subsequent complaint on XXXX for their handling of the matter. I have called them several times to try an address list and get nowhere. This is not the first time they've done it, but before they fixed it. I call chim immediately when I saw both transactions and the member services representative told me she saw both of them and that the one would fall off and the balance would go back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a medical bill that was assumed by myself in the amount of {$420.00} that was paid in full. I disputed the claim after the creditor agreed that I would pay the amount to delete from my credit report. After waiting 60 days, I contacted the bureaus ( XXXX, Transunion, XXXX ) again. The reason am I now filing a complaint is they have notated my account falsely and severely hurting my chances of obtaining new credit. 

They have put remarks into my account that I have received " Personal Receivership - Repayment by Court Trustee '' in paying this debt. NOT TRUE. I have NEVER even been to court, let along filed bankruptcy. I have no record of any other collection except for this account amounting in {$420.00} that I paid and submitted receipt for from my XXXX card. 

When I bought my vehicle 2 months ago, they came back to me about a bankruptcy!!! I was appalled! I have called the bureau several times, and disputed this account 4 times now. I will be obtaining a lawyer and moving forward with this, as this is hurting my livelihood. I have worked hard to earn the credit that I have, and now this is slamming me and my integrity into the ground. I have attached receipt to original debt that I paid with my XXXX card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$280.00} XXXX XXXX XXXX XXXXBalance : {$14000.00}
Product: Credit reporting or other personal consumer reports

Address XXXXXXXX XXXX XXXX needs to be removed from report No knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquires I did not consent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had talked to chase bank in XX/XX/2020, they keep charging me XXXX fee every month. The account has a XXXX balance, so they started to take money out of my wifes account which went below the banks minimum requirement and then they started charging her an overdraft fee. No one called us to let us know what is happening, the last time I talked to the bank I had told them to close my account if they are going to keep charging me fees. They did not close it. 
They refunded me 4 months of fee when I talked to them today, but I dont understand how they can keep charging a fee when the account balance is XXXX. Who ever looks at an account that has no balance. 
I need them to refund all the late fees and overdraft fees they charge me. And also refund all the monies in my wifes account. 
Thank you.
Product: Debt collection

I'm unaware of these Debts!! 
Midland Credit XXXX {$1000.00} Midland Credit XXXX {$760.00} I didn't have the opportunity to dispute these debts. I never received proper notification!!! If in fact you believe you gave me proper notification please provide the certified mail receipt with my name and signature. Look forward to hearing from someone soon. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date : XX/XX/year> XXXX XXXX Department XXXX XXXX XXXX XXXX, XXXX  XXXX Re : Formal Dispute of Unauthorized Account on Credit Report Dear XXXX XXXX Department, I am writing to formally dispute the accuracy and authorization of an account listed on my credit report. As per 15 U.S.C. 1681b, I have never provided written consent for the furnishing or acquisition of my consumer report information for this account. Therefore, its inclusion on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ). 
The disputed account is as follows : Account Name : XXXX XXXX Account Number ( Last XXXX Digits ) : XXXX Balance : {$2500.00} Status : Charge-off To resolve this matter, I request the immediate removal of this account from my credit report. Under the FCRA, you are required to investigate this dispute and provide results within XXXX  days. Please send me written confirmation once this unauthorized entry has been removed. 
Enclosed, I have included copies of my credit report highlighting the disputed account, along with proof of my identity for verification purposes. 
Thank you for your prompt attention to this matter. I look forward to your confirmation of resolution.
Product: Debt collection

The debt was included in an identity theft case years ago they continue to sell the debt even though it has been successfully disputed and they are threatening to put it on my credit
Product: Credit reporting

equifax is refusing to produce the proof of dispute verification. they continually stall and will not produce it for the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) Notice of Results of Reinvestigation ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available
Product: Vehicle loan or lease

I purchased a vehicle from XXXX XXXX in XXXX, PA. I purchased the vehicle in XX/XX/XXXX. As of XX/XX/XXXX, my lender ( GM Financial ) has not received the title on this vehicle and I have not been able to register or drive it. 

I am filing this complaint because my friend XXXX XXXX bought a vehicle from this dealer in XX/XX/XXXX and never was able to license her vehicle either. She had to turn it back in to the lender and they are now showing it as a repossession on her credit. I want to be proactive in my complaint filing. 

This dealership is now gone from the location and I am paying for a vehicle I can not drive. 

My loan is with GM Financial Acct. # XXXX. I want to get out from under this untenable situation but do not want to end up with a repossession on my credit file.
Product: Credit card

XXXX XXXX XXXX XXXX {$1600.00} XXXX {$1600.00} XX/XX/22 - {$2200.00} XXXX {$2800.00} XXXX {$2800.00} XX/XX/22 - {$2800.00} XX/XX/22 - {$2200.00} There were no disclosures provided ( agency, lead based paint, radon, mold, i.e. ) as required by XXXX XXXX XXXX City Code. XXXX XXXX XXXX also classifies the unit as an illegal rental unit. There can be no consent of the tenant that would make the contract legal IF the contract was illegal from the beginning, which it was/is per XXXX XXXX XXXX city code . 

Attached are copies of the city code and proof of lack of permit/inspection.
Product: Debt collection

I keep getting relentless phone calls from what I'm sure is a psuedo collection agency named XXXX. The 2 phone # 's that call the most often are XXXX and XXXX. 
They have been calling my phone every day several times a day for the past few weeks. They started calling my family members as well. Whenever I would answer it would be dead air. When I let it go to XXXX they would never leave a message. When I would block my # and call them back to find out who was playing on my phone I would get a message that the call couldn't be completed as dialed. 

Today, I answered ( XX/XX/19 ) and there was a person on the line named " XXXX ''. 
Yesterday a " Mrs XXXX '' called my sister from the same # 's looking for me. 
" XXXX '' said to identify me she needed to verify my full name, DOB, and SSN, as well as address and proceeded to rattle items off and said that they had a collection for a Citi MC that had been assigned to them for me. Mind you, I have a credit watch set up and I have NO collections, no pending litigation, and have never had a Citi mastercard. 

I was threatened with not only negative credit, but also wage garnishment, and was told I was being sued for breech of contract, and that they were also going to place a lien against my house ... 
I told her they'd better remove my number from their list, stop calling me and my family and that I was reporting them and then hung up. 

These calls are a form of harassment and the CFPB should take action against these companies to the full extent of the law to protect consumers
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a thorough and/or reasonable reinvestigation of disputed information on my credit report and as a result leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently has filed a lawsuit against Experian alleging systemic issues such as failing to forward Consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes.These said failures directly reflect my experience where Experian has neither corrected nor removed disputed items despite evidence provided. This causes present and continued harm to my credit report. I am requesting corrective action immediately by removing and amending the disputed, inaccurate, and/or negative impacting report or information as Experians inaction violates my consumer rights and violates federal law.
Product: Debt collection

I was contacted by a company called XXXX XXXX  on XX/XX/2019. The representative, XXXX XXXX, left a message that said, this is a courtesy call regarding your claim in my office my intent at this time is to move forward by the end of the business day for whatever reason there was a failure to respond I also need to inform you my efforts were documented the claim has been verified and you were notified any concerns please contact. 
This was the first of me hearing about a claim and I wouldnt be able to respond because of that reason. When I called back to find out what the call was concerning, XXXX asked me my name and I said, XXXX XXXX, she proceeded to say, your name sounds so ghetto and hung up on me. I called back and asked who is this? She said that the XXXX police will be coming for me for receiving a credit card and stealing {$1800.00} from HSBC. I couldnt believe she called my name ghetto, accused me of stealing and the extremely rude attitude. I immediately called HSBC because Ive never had a credit card from them. HSBC does not have any information about me or a debit that I owe. 
I called XXXX XXXX  again and this time a man answered and disclosed to me that they have my full name, address, telephone number, social security number, the car I drive and threatened to sue me and put a real property lien on my car. I do not have a debt with HSBC MasterCard or XXXX XXXX. A credit inquiry doesnt show on none of my 3 credit reports nor does this debt. 

Ive called the XXXX, Federal Trade Commission, and put a fraud alert with the credit bureaus on my reports. My next step is to make a police report.
Product: Money transfer, virtual currency, or money service

Twice I've tried to cash checks at XXXX. Reasons for denial is never explained. XXXX uses Certegy Check Services. After contacting Certegy, which is the number XXXX gave me. I received a letter stating declined and accepted checks cashed but no reason of why the declined. I have letter. No where on it does it state why they reported negative against me. In fact it says No information on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX Balance : {$640.00XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}
Product: Prepaid card

B of A claim # XXXX The First days of XX/XX/XXXX seen a Email saying XXXX and B of A were no longer going to being business together, so i was going to get on my B of A account and move my {$6200.00} to my personal XXXX XXXX checking account, I collected this money thru XXXX XXXX XXXX in XXXX XXXX  XXXX. I Log into my B of A account to find someone withdrew all my money in two transactions on XXXX and XXXX So i called B of A fraud department to file a fraud claim on XXXX I received a letter from B of A saying my claim was denied, I told them I do not agree with your finding and that the are keeping a secret of where my money went and who took it and I made them re do the claim after talking to them 3 times that day and i wanted there supporting documentation. I will say that this has been a very bad experience with dealing with B of A on this matter, talking to numerous rep and not getting any answers. I made the reopen the fraud claim numerous times, Trying to get answers. After trying to resolve this with B of A and getting nowhere on XXXX called the XXXX XXXX Police department to report a XXXX  Case # XXXX My Card has always been in a safe place in my home office and has never left that secure place. Got a call from XXXX XXXX XXXX about my case I filed. Detective XXXX sent a subpoena over to B of A to receive information on where my money was transferred, she got information back today from B of A saying they do not know where the money went???? this is a bank they should know where every transaction went, I find this so unbelievable that the bank has no clue were my money went and who it went to. Now I feel the bank is robbing me and there is no one to enforce the laws of the common man Who is in charge of making sure the bank is operating in good faith??? because this is really hard to believe a mans hard earned money dispersers into thin air and no one is held accountable. Makes you want to take all your money out of banks because it obvious there is some XXXX  and unlawful stuff going on and there is no one to protect the consumer. 

Thank you, XXXX XXXX XXXX
Product: Mortgage

Processor was assigned to my loan brokered by XXXX XXXX to Civic Financial Despite numerous attempts for updates, Civic Financial can only state that the loan is in underwriting as of XX/XX/23 This has already cost me in excess of {$6000.00} in interest and extensions.
Product: Debt collection

I called Midland Credit Management to ask for validation of the debt, several times. I have also tried disputing this. The company states, I was an authorized user and this was sent to the fraud dept. I received no calls, letters, or notices on validation of this account. I am requesting this be immediately removed from my Credit Reports, I also signed no contract with XXXX XXXX XXXX or Midland credit.

Midland credit has not provided a original contract like I asked.
Product: Mortgage

I have a loan with loancare.     They purchased my loan   XXXX   XXXX   XXXX   XXXX   My first payment was due   XXXX   XXXX   XXXX  . Which I made.     My original bank had auto-drafts set up to go to the old loan servicing company,  XXXX .     In  XXXX , an auto payment check was sent to  XXXX . They tried to cash the check and it came back returned. Mind you, they no longer own the mortgage. They turned around on   XXXX   and told  Loan Care I  had a returned check to their company.  Loan Care  too k one  of my payments, I had made to them, and sent it to  XXXX . Now,  Loancare  shows me as being behind a payment. I have argued with loancare over this matter, for 6 months. On  XXXX   XXXX   XXXX , I spoke with  XXXX   XXXX  out of the  XXXX  Florida office for loan care who after extensive research, that I had provided, agreed, that  XXXX  had received a payment that they were not entitled to receive.  XXXX   XXXX  at that point said she would get the matter resolved.      One  month later I called, and LoanCare tells me that the problem is between me and  XXXX  since I was the borrower. If I wanted to be credited I had to contact them myself and get this mess sorted out.     I asked loan care if they were reporting me as being delinquent on my mortgage and  XXXX  from  LoanCare  said, no, I have you good. My wife and I were going to get a car, and when the car dealership ran my credit report, Transunion showed me with  XXXX  negative comments from  Loancare  concerning my mortage.   XXXX   XXXX      XXXX   XXXX   and   XXXX   XXXX   XXXX       I submitted a ticket to have that information removed from my credit report on  XXXX    XXXX   XXXX  . I received an email confirmation that my request had been received and to allow up to  XXXX  business days to research and resolve the matter. Today is  XXXX    XXXX   XXXX    LoanCare ha s not resolved this issue, nor given me a decision, nor removed the derogatory remark from credit report.