23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I obtained a copy of my credit report from XXXX and noticed that XXXX has allowed a collection agency named XXXX XXXX XXXX to insert in and duplicate a debt that is already listed on my credit report with the XXXX. SO now the debt is listed twice! Different amounts different dates! What is happening is that the original company ( SPS Servicing ) account is near its time of deletion from my report, and they have sold my account to a collection agency in which I have " NO CONTRACT WITH '' and now the debt is listed twice! A clear violation of law! XXXX XXXX XXXX has illegally added this debt to my credit report. Every few months another company buys the debt which now its ( XXXX XXXX XXXX ) reinserts it changes the dates and amounts and list it negatively on my report again. Most recently they have not payment history for the last 2 years but have the debt listed as being open in XX/XX/XXXX and a balance of XXXX as of XX/XX/XXXX. This is NOT true and a total lie in an attempt to ruin my credit. I have NEVER received any correspondence from XXXX XXXX XXXX and want this removed from my XXXX Credit Report asap! This is against the law. They have violated the FCRA Section 623 ( a ) ( 3 ) and FDCPA Section 807 ( 8 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor NCA was unable to proof the original contract with my signature on it, after sending a debt validation letter on XX/XX/ After they have reported 2 account on my records, and stated to dispute to the credit companies. As of today NCA has failed to dispute to all 3 credit bureaus, after their response on XXXX/XXXX/XXXX. 
violation 15USC 1681s2 responsibilities of furnisher of information to consumer reporting agencies. 
Account # XXXX {$140.00} {$560.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Per previous submitted response from complaint XXXX Equifax has completed its investigation, including contacting the furnisher of the information, where applicable.However according to Investigative Consumer Reports . Section 606 contains specific requirements for use of an investigative consumer report. This type of consumer report contains information about a consumers character, general reputation, personal characteristics, or mode of living obtained in whole or in part through personal interviews with neighbors, friends, or associates of the consumer. If a user, such as a financial institution, procures an investigative consumer report, or causes the preparation of one, the user institution must meet the following requirements : 4. The user clearly and accurately discloses to the consumer that it may obtain an investigative consumer report. 
5. The disclosure contains a statement of the consumers right to request other information about the report and a summary of the consumers rights under the FCRA. 
6. The disclosure is in writing and is mailed or otherwise delivered to the consumer not later than three business days after the date on which the report was first requested. 
7. The user procuring the report certifies to the consumer reporting agency that it has complied with the disclosure requirements and will comply in the event that the consumer requests additional disclosures about the report. Equifax has neglected to perform any of the required investigating Requirements to properly perform a CONSUMER INVESTIGATION. As previoulsy stated in last complaint, accounts listed are innaccurate and have been reported on my credit report without my consent. COMPLETELY violating my privacy rights 15 U.S.C. 1681 Section 604 section 1 states that have a right to privacy and 5 U.S.C. 1681 Section 604 section 2 states written consent must be provided to do so.account number XXXX Date : XXXX, XXXX Amount : {$22000.00}, Account number XXXX Date : XXXX XXXX Amount : {$3000.00}, Account number XXXX Date : XX/XX/XXXX Amount : {$2400.00}, Account number : XXXX Date : XXXX Amount {$2100.00}. The listed accounts are affecting my character and illegally reporting derogatory inaccurate information. Per the FCA entities are subject to {$1000.00} per violation in fines for knowingly and recklessly reporting information. In addition to neglecting to perform an accurate FULL INVESTIGATION CONSUMER REPORT. I demand that these accounts be deleted immediately.
Product: Debt collection

On XX/XX/XXXX I called Credit Collection Services to stop auto payment on XXXX auto withdrawals set up. I told them I never received verification of a debt from XXXX XXXX and feared they never cancelled an account after I moved. They agreed to stop the XXXX future payments on XXXX  and XXXX and to put my account in dispute. They agreed to notify the credit bureau it was in dispute and that they would send me verification of the debt. They never did. They charged my account against my permission. They never notified the credit bureau that its disputed. I have no proof this is my debt and I told them I dont understand why it was reported as I set up a plan of payment. Its fraud to not provide proof and charge me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been back and forth since XX/XX/2020. I have submitted multiple request to have the below inaccurate, misleading, and false reported items removed. I have not been supplied information on what means these were verified by. I requested a signed contract with my signature and dates of my missed payments. The law states in 15 U.S. Code 1681 ( 5B ) If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. These items were deleted by the other bureaus because they recognized them as inaccurate. My information was impacted by the XXXX  data breach as well as a data breach at my dentist called XXXX XXXX. Please remove these inaccurate and misleading items immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2016, {$1300.00}, and Wells Fargo reached out to me and I agreed to pay balance. I paid large sum moneys ; difference outsource company contact me regarding my Wells Fargo credit. Paid them as well as Wells Fargo call me then paid them.
Product: Mortgage

I had a 30 year mortgage with United Wholesale Mortgage and recently refinanced to a 15 year mortgage with the same company. In mid XXXX I received bills for both 15 and 30 year mortgages. I called United wholesale mortgage and was reassured that the 30 year mortgage would drop off and not to worry about it. On XX/XX/XXXX, the first date a payment was due for the 15 year mortgage, United wholesale mortgage deducted an auto pay for both the 15 and 30 year mortgages, despite there only being one house in existence. I called them on XX/XX/XXXX to inform them of their error. I contacted the title company that same day and sent them proof of the wire transfer that had been made to United Wholesale Mortgage and which had been received. I have called several times to fix this issue but I have not received any word from the company nor have I received my money that they took from me. I am owed {$2500.00}.
Product: Checking or savings account

An unrecognized transaction was posted on my account, which I immediately advised the back was fraudulent and a claim was formed. I called chase bank and was told that the transaction was done by digital wallet, which is an in person transaction that the phone must be present to complete.. the phone was never stolen neither was my physical card. The claim was denied and I called to appeal it on the basis that this transaction was made in person outside of the USA and a separate transaction charge for exchange rate was applied, and I couldnt have been outside of the US because the same bank was approving in person charges for me at home in XXXX. They told me these charges were consistent. I asked them how the digital transaction was verified and they with held the information. They also denied opening another investigation unless they get more documentation proving I didnt purchase anything from the vendor, and that is impossible for me as they have all the information and will not release it to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to the credit bureau advising them this is not my information they have failed to respond to my letters. I have disputes from Equifax and XXXX. They should update this ASAP.
Product: Checking or savings account

I went to a JP Morgan Chase branch today XX/XX/year> at XXXX XXXX XXXX XXXX XXXX, FL XXXX to utilize their ATM to deposit {$1000.00} cash ( all in {$100.00} bills ) and the ATM malfunctioned without crediting my account or giving the cash back to me! The ATM machine only produced a receipt which stated to call customer service to get this handled. I immediately called customer service in which the representative told me that I would receive a " temporary '' credit of the dollar amount deposited but that it can take 10 business days. 10 BUSINESS DAYS?!! Is this a joke? Why are these banks playing with our hard earned money. I am struggling to make ends meet and needed the cash deposited ASAP to pay my bills and mortgage which now I am sure I will incur late fees and no one seems to care or have any compassion? This is insane. The fact that this is an issue that occurs often based off of my research, I am surprised there hasn't been a lawsuit filed. If I do not receive my hard earned money by tomorrow, XX/XX/year> proper authorities and local news will be involved. No one should have to wait 10 freaking business days to receive money that a machine stole!!
Product: Money transfer, virtual currency, or money service

I filed a complaint with wells Fargo on XX/XX/ 2021 about an unauthorized transaction from XXXX XXXX. I told Wells Fargo my information was completely compromised due to an XXXX hack that occurred earlier this year which Im still recovering from. I waited for my XXXX business for this thing to get resolved but on the XXXX  day, I received a voicemail. It was a wells Fargo investigator. I felt like I was treated like someone who was less than a customer. All I was met with was nothing but dead-end answers and hostility. I felt hopeless at that moment like everything was crashing down. I explained what happened and didnt get any results or helpful information. I was told to contact uphold directly so I decided to do that, that same day. Uphold customer service reps took forever to get back to me. The emails felt like a lifetime apart. I kept telling the reps that I didnt make any transactions and that wells Fargo reps told me to contact them. I was looking for a resolution but was quickly shut down and was told they were closing an account I never made. After a few backs and forth emails, I was told to contact Wells Fargo to get my money back. Wells Fargo said the same thing to me and told me to go to uphold to get my money back. I feel like Im just getting bullied by XXXX  big companies with no care in the world. This isnt right and they feel like theyre untouchable. I feel hopeless and lost and need the help of the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian, XXXX and XXXX on XX/XX/2023 my tracking numbers where for experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However they said that they completed the investigation and everything was 100 % accurate. According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. this account has several inaccuracies and this account needs to be deleted right now
Product: Mortgage

WFHM USED THE WRONG DATE ( a XX/XX/XXXX date, my loan closing date was XX/XX/XXXX, the time period was XX/XX/XXXX through XX/XX/XXXX ) and I was deliberately excluded from the fair housing claim settlement, DOJ v WFHM lawsuit, which has been the subject of CFPB complaints against WFHM before and after foreclosure of my home of 15 years. 

Foreclosure was on XX/XX/XXXX. 

I read every page of the 57 plus page document as well as the 87 plus page documents continually sent by WFHM without the answer in question. 

WFHM responded to all complaints continually and intentionally leaving out the answer to the main question everytime ; I ask again ; Please, Please answer the question WHY WAS I NOT INCLUDED IN THE ABOVE LISTED SETTLEMENT even though I met all criteria????????????
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX XXXX, Consumer. I currently reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which is in XXXX XXXX XXXX I am writing this complaint as a Notice of a request for material disclosures, which were not delivered to XXXX XXXX XXXX, Consumer. This information was omitted, and is now being requested. I, XXXX XXXX XXXX, Consumer, am requesting a copy of the SSA-89 form that was used to verify the identity of XXXX XXXX XXXX XXXX XXXX XXXX, is furnishing inaccurate information onto the consumer reports of XXXX XXXX XXXX, severely oppressing and harming the financial reputation of said Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never made any of the following hard inquires that are showing on my profile from the following These lenders have accessed your credit file : XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX  Inquiry date XX/XX/XXXX, XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX.
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$1500.00} XXXX XXXX  XXXX Balance : {$690.00} XXXX  XXXX Balance : {$9200.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2200.00} ( Original Creditor : XXXX  ) XXXX Balance : {$410.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$580.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

I have gone through the mortgage modification application process, and agreed to the offer. The application was submitted in XXXX and accepted as complete on XX/XX/18. As I was waiting for the decision back from Flagstar Loss Mitigation, I received an envelope only marked confidential posted to my door on XX/XX/18. According to what I was told, as soon as my loan was transferred to loss mitigation for application review, all  foreclosure and debt collections would cease. They sent someone to my home to post a nondescript letter on my door marked confidential. My name and address were nowhere listed an pretty much anyone could open the letter as it was not sealed shut, only folded shut. I feel as if this is harassment as I then returned the signature page and full agreement back to the bank on XX/XX/18 stating I agree to make the modified payments and I understand my first payment is due on XX/XX/18. Today XX/XX/18. I had yet another envelope attached to my front door stating I need to contact my mortgage company. Why? I signed the agreement and it's not the payment due date. This is very embarrassing and harassing since I have already signed and returned the agreement.
Product: Vehicle loan or lease

I requested payment history and/or proof that I paid off the loan. I was told I couldnt be given proof for at least10 days. I asked if I could access my account online after they removed my account from online banking and was told no. I asked if I could access my statements and was told no. They said my account was closed and I couldnt access anything anymore. I asked for anything proving my account was closed and was told no. The bank drafted $ XXXX out of my account and wont provide any records of that transaction. They wont even give me my account number to file this complaint, and I dont have it because they are holding my online statements hostage. All I have is a payment reference # XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was reported inaccurately. I see XXXX collection that have nothing to do with me, but everything to do with the owner of the property, that had repair on the water consumption problem. The consumer reporting agency needs to report all information with complete accuracy, this account has not been late on payments Ive attached a copy of my complaints on ( XXXX, XXXX ) Im now requesting you to investigate this account and update these payments as paid on time asap.
Product: Debt collection

After reviewing my credit report, I noticed a collection that I previously told 1st Crd Srvc. Was not mines. They then without any other action reported this debt as being mines. Completing violating both federal and local laws. Before I file a small claims suit against this company for defamation of character, I am asking for the CFPB to intervene for removal of this debt that is not mines and that is a result of identity theft. I have attached my police report showing that I am a victim of someone using my identity without my consent.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX  # XXXX - BALANCE {$670.00} Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$4800.00} Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$22000.00} Account Name : DNF ASSOC # XXXX XXXX BALANCE {$1600.00} Account Name : Unknown # XXXX ( Original Creditor ENCOMPASS IN ) - BALANCE {$430.00} Unauthorized Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX
Product: Checking or savings account

Date of Transaction : XX/XX/2024 the amount sent to the bank was {$5500.00} The money is a refund advance loan paid out to XXXX XXXX ( me ) from tax product group bank. I have tried to get InTouch with XXXXXXXX XXXX plenty of times they have not called back not once i left plenty of emails and calls i have not been contacted bank. once i contacted cash app about the situation they told me in order to get my money back i have to get the originating back to send a letter of indemnification to XXXX XXXX XXXX XXXXXXXX XXXX. 
when i contacted XXXX saving bank they informed me that they do not do partnership with cash app anymore. i had the bank send a letter of indemnification to XXXX XXXX so they need to return the funds back to the sender i did my job on my behave which is have the sender send the indemnification letter to XXXXXXXX XXXX
Product: Debt collection

Subject : Request for Removal of Dismissed Debt from Credit Report To Whom It May Concern, I am writing to formally dispute an account on my credit report. The account in question pertains to a debt that was the subject of a lawsuit, which the creditor lost. Despite the case being dismissed by the court, this account continues to appear on my credit report, which is inaccurate and unfairly damages my creditworthiness.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to accurate and fair reporting of information on my credit file. Reporting a debt as unpaid or valid after a legal dismissal violates this principle. I am requesting the immediate removal of this account from my credit report to reflect the accurate outcome of the court decision.

Please investigate this matter and provide written confirmation that the account has been removed. I have attached any supporting documentation, including court records, to verify the dismissal of the case. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I have had a fraudulent and unauthorized open sky bank account reporting to my account that Transunion has not removed even after i sent dispute letters and called Transunion. I also sent my identity theft report I made with the FTC and Transunion did not block the fraudulent account from my credit report as required by law. Transunion keeps sending me 4-5 letters in one day stating the account is verified but when I ask for proof of how it was verified and what information was verified I received no documentation as I know this is my right under section 611 ( a ) ( 6 ) and 611 ( a ) ( 7 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly disputed this inaccurate account with the bureaus and creditor. I am a victim of identity theft and have proven so with all requested documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, XXXX, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX XXXX Balance {$110.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX Balance {$30000.00} XXXX  XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$23000.00} TransUnion XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX XXXX Balance {$25000.00} XXXX XXXX XXXX XXXX XXXX Balance {$23000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$110.00}