23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

we have been in house 15yrs and sold 4 or 5 times and started with XXXX XXXX who started this mortgage crisis then XXXX XXXX a shell company of XXXX XXXX then to XXXX XXXX owned by XXXX XXXX XXXX from XXXX scandal then to thier buddy fay servicing and XXXX XXXX  who worked with XXXX XXXX at XXXX everyone has refused to refinance us to a lower rate. they have increased our loan by $ 400- {$500.00} dollars for no reason. we put so many refinance applications in with XXXX XXXX that my mom had to put house in my name so we could try and get problem solved but they avoided and lied constantly to me to and then sold us to fay servicing tried to put us in foreclosure back then payments wrong place no notice said 20 times would help they have done nothing. i have asked for harp loan help they laughed said not eligible i asked them XXXX XXXX and fay to put in writing why not eligible and why eligible to pay {$2300.00} a month with escrow and do not qualify to pay {$1400.00} like every one else and we have been here 15yrs. when is someone going to put one of these crooks ruining American dream and American values going to federal prison. this is a complete joke they even have license to still sell property 's. The guy at fay he was very nice but of zero help. He towed company policy line at every turn and would tell us not eligible for nothing. All these company 's have been major players in mortgage crisis so i think we have a good case if all 4 have have fines for fraud and XXXX people out of house and you just fined fay $ XXXX. the road i am on and many other Americans caught in this trap need help. I guess they will claim I am the one loan they did right with all this fraud. please help thanks again have a good one
Product: Debt collection

Over seven years the original creditor tried to collect a astronomical fee off {$2200.00} for a one time local transfer to the hospital and refused to receive my insurance and was extremely rude and has a history of treating local citizens like this.I file a better business complaint against them and they work with XXXX XXXX XXXX a third party debt collector to do dirty tactics and do double reporting on your credit profile at the same time which greatly impacted my credit score over the years.Now that the seven years are up the third party debt collector is still reporting on my credit profile but the original creditor XXXX XXXX XXXX stop reporting after seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian have not provided me information on how they verified my credit information on a bankruptcy that does not exist or belong to me on my credit profile. I sent certified letters to them on XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX. I have copies that they received my request, but no results or verification has been provided to me on how they got there information.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unsolved. I request immediate investigation and removal of the item s it is incorrect and does not reflect my true credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2018 I requested Experian, XXXX and XXXX to validate the collections that they have reported on my credit report. Experian, XXXX and XXXX failed to send me any information that the collections belong to me. 

Collections that are being disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXXXXXX XXXX XXXXXXXX
Product: Student loan

I believe I have XXXX loans from XXXX Colleges and would like to know if they were included in the CFPB settlement
Product: Debt collection

I disputed this debt with Resurgent Capital / XXXX XXXX twice and in XXXX and XXXX they provided me a " verification of debt '' after asking for a validation of debt. I do not recall " XXXX XXXX '' debt and therefore I asked they provide a documentation showing where this came from and linking me to the debt. All they have been able to do is send me an " internal '' statement and no evidence or burden of proof this debt and amount owed is mine. When I called them today to just say I will pay it to go away they advised me they can not delete it. Why would I pay XXXX for a debt especially when it is scheduled to be removed next year. In addition, if I pay it then the account will update with the bureaus then causing my score to drop. I feel as though I am between a rock an hard place. So, when I spoke with XXXX today and once again asked they provide validation she stated I will need to put it in writing once more. When I asked her what validation they will provide she stated it would be what they provided in the past. How is it that LEGALLY they can fo this??? This is an injustice and is a kink in my consumer rights. Please look into this for me?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I was notified from XXXX  the company I use to monitor my credit that a hard inquiry was pulled from XXXX from American Express and I never authorized this. I have printed all the details off their website and nowhere does it say they are going to be doing a hard pull against my credit. I want this inquiry removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In about XXXX of XXXX I was added as an authorized user on a credit card with my dad to help me build credit. However, a few months later, my dad and I went to our local Suntrust Bank branch to have me taken off as an authorized user. My dads credit is not the best and I wanted to avoid having a negative credit history. At the branch we signed a paper and the bank teller, XXXX XXXX, took my credit card and assured us I was no longer listed on the credit card. In XXXX of XXXX I began the process of buying a home. To my surprise, when my credit score was pulled, I was still listed as an authorized user on the same credit card and it was negatively impacting my credit score. So much so that I no longer qualified to buy a home. In XX/XX/XXXX, my dad and I went to the same branch to inquire the issue and have me taken off the card for good. The only thing the bank told us was that they would send me a letter in the mail stating I was taken off the credit card ; they said they were unable to provide me with any statement electronically. The letter was supposed to arrive within 14 business days and it never arrived. I called Suntrust and had another letter sent to me. However, that letter has also never arrived. I called Suntrust for a third time in early XXXX and was told they could no longer give me any information on that card since I was not an authorized user. Finally, my dad called and he was given the number of a contact in Executive services, XXXX XXXX, at Suntrust who was supposed to help get us that letter, but I have been unable to reach her. On XX/XX/XXXX my dad received a letter to his address, which is different than mine, addressed to me from Ms. XXXX asking me to give her a call. My dad and I have called numerous times and left numerous messages to her direct line at XXXX since XXXX and we have had zero luck. It is now XX/XX/XXXX and I am under contract to buy a home, however, we can not close unless I am able to provide a written statement that I am no longer on that credit card. I will lose this home if I am not able to provide a letter I should have received no later than XX/XX/XXXX. The housing market is extremely competitive and it is a miracle I was able to get my offer accepted at this point. Please help me get the letter so I can close on this home.
Product: Checking or savings account

On XXXX XXXX I leased a safe deposit box as a sole individual @ Fifth Third Bank XXXX NC . on that same date I placed 3 silver Us Quarters each bearing on the reverse side the words " XXXX XXXX XXXX XXXX '' ( hereinafter the " Coins '' ) along with the only two original keys to a safe deposit box co-owned with my mother XXXX XXXX in XXXX XXXX XXXX in XXXX Florida with other valuable coins. On XXXX I discovered that a theft had occur when i accessed the box and 2 of the 3 original coins had been tampered with and exchanged with 2 gold color coins bearing the the words " XXXX XXXX  XXXX '' 1 out of the 3 coins had remain in my box with the miscast imprint of " XXXX XXXX XXXX XXXX ''. Spoke to bank manager and had mentioned they would investigate, After a long period of time there was no response and that time I filed a Police Report. There was never a resolution with the Bank or the Police Dept. I filed a lawsuit in XXXX MD federal court. 
Had Deposition with defendants council XXXX. During the deposition defendants council stated that I had nothing and the feds had come and I had nothing. I had a scheduled tele- conference with defendants council and Judge presiding over the case but unfortunately I'm receiving correspondence at my Ex-Husband po box and I was unaware of this scheduled conference call because he didn't hand deliver it to me until 7days after the tele conference was to be held. The case was closed because the judge has not been aware of this and my limitations to reach the judge due to the fact that I am relying On temporary shelter with my ex husband due to covid-19 after he had kicked me out to a shelter with my initial hearing in court. I have no phone right now relying on his cell phone and receiving mail at his po box . I am seeking answers to the follow up with defendants council as to Question No # 1 Has the box been opened if yes, why? I had also filed a motion in federal court to freeze the box and that motion was granted and on our hearing in court I asked the judge the same question after motion was granted to freeze. Judge response was that nobody could go into that box not even myself. Question No # 2 When was it opened? Question No # 3 Why didn't I receive notice if I'm the owner of the box? Question No # 4 Why didn't they give me the opportunity to to be present? Question # 5 Who was present when the Box was opened? Question No # 6 Did they inventory the contents, Did they take pictures? Question No # 7 Where are the contents now? Are they in another Box or who had possession of the contents the Government or the Bank? I would like to have a resolution with this case and I would like to have the opportunity to retrieve my Original Silver quarter Coin bearing the inprint of " XXXX XXXX XXXX XXXX '' along with my 2 other replaced and tampered coins. I would like to be able to personally be present with a council on my defense. Thank you for your cooperation to this case to find a reasonable resolution to my property.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Agency Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 U.S.C 1681 section 602 A States that 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 an account without my written consent
Product: Checking or savings account

On XX/XX/2021 I discovered someone had used my debit card to make 52 different transactions for the purchase of online gift cards. The total was a little over {$6300.00}. I contacted Suntrusts fraud department and reported it the day I made the discovery. I was told by two different employees that it would be investigated and if fraud was detected the funds would be returned to my account within 10 business days. On XX/XX/2021 ( 11 business days ) I was contacted by email from Suntrust and they stated may claim had been denied. I contacted the fraud department and they were no help at all, would only state it was denied due to inconsistent information and evidence. They were either unable or unwilling to provide me with any information on why or how any information or evidence was inconsistent. During the so called investigation I was not contacted by anyone from Suntrust for any reason. So now I have to file paper work disputing the results of there investigation, and wait 45 days. Im a XXXX  XXXX of 20 years so I myself have investigated hundreds of fraud cases and I could have easily came to the conclusion that the transactions were not made by me in a day. In 20 years in XXXX XXXX I have never seen a bank reject a fraud case like this. Its a shame someone can go through my bank to steal my money and Suntrust allows them to do it and then denies my claim.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Dispute Fraudulent Accounts on My Credit Report To Whom It May Concern, I am writing to formally dispute the inaccurate and fraudulent information listed on my credit report. For far too long, I have been trying to resolve this matter, but my concerns have been ignored, leaving my financial reputation in jeopardy. This negligence is unacceptable and must be addressed immediately. The accounts in question were placed on my report as a result of fraudulent or misleading actions. I have never had any relationship with the company responsible for these accounts or the original creditor. Furthermore, I was incarcerated for several years and was only released within the last six months. It is impossible for me to have opened or managed these accounts during that time. These accounts are a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires that credit bureaus ensure the accuracy and validity of the information they report. Your failure to investigate and resolve this matter in a timely manner constitutes a breach of this legal obligation. I demand that you immediately : Conduct a thorough investigation into these fraudulent accounts. Remove all false information related to these accounts from my credit report. Provide me with written confirmation of these actions, along with an updated copy of my credit report. This matter requires your immediate attention. Should you fail to resolve this issue promptly, I will have no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities, as well as pursuing legal action to protect my rights. I expect a resolution within 30 days, as mandated by the FCRA. Please direct all correspondence regarding this matter to me. I trust you will take this situation seriously and act accordingly. XXXX XXXX Account info XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX  Account info Account number XXXX Credit Pull On My Report : XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Attached, please find a notarized Power of Attorney authorizing me to act on the behalf of XXXX XXXX. This individual is an unfortunate victim of identity theft and has enlisted the help of our firm, XXXX, to aid in his recovery process. Enclosed is also an ID Theft Affidavit with his police report information, identification, and proof of residence. 

When attempting to reach Kikoff, I became aware that they do not have a working phone number despite being an entity that reports to the credit bureaus. The phone number that they have left on XXXX 's credit reports leads to a message that says to contact Kikoff online. It does not allow you to leave a voicemail. 

When contacting Kikoff online, their support Agent confirmed they do not have phone support but also that they can not accept documents by US Postal mail either. ( Please see attached documents ) This is unacceptable since they are an entity that reports to the credit bureaus. There are many people who are elderly and unable to contact companies online. It is also a security risk to send PII over email. 

Their XXXX XXXX XXXX shows a pattern of complaints with no responses. It shows XXXX response in XXXX of XXXX XXXX the first complaint against Kikoff ) and then zero responses to roughly fifty newer complaints. 

Please see attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX  XXXX 15 U.S.C 1681 section 602 A. States I have the right to Privacy. 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then 7 years. 15 U.S.C 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. These are Fraudulent accounts and need to be removed from my Credit Report.
Product: Debt collection

Repeated calls daily from different phone numbers. I requested they stopped calling me and started to block the phone numbers. They keep calling me from different numbers asking for XXXX different names.
Product: Credit reporting, credit repair services, or other personal consumer reports

About the erroneous information I discovered on my credit report, I am submitting this complaint. The things in question have nothing to do with any purchases I made or gave my approval for. I have informed the Federal Trade Commission of the identity theft, and copies of the FTC 's Identity Theft Report are provided. Since I am an identity theft victim and my information was used to open these items without my knowledge or consent, I humbly request that you either immediately remove these fraudulent entries from my credit report with your company or tell me exactly where you got the information so I can take the appropriate legal action. The list of bogus items I discovered on my credit report is shown 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Under the provisions of the Fair Credit Reporting Act section 605b. I am requesting no other than the immediate deletion of the disputed accounts.
Product: Credit card or prepaid card

Capital One closed my account after charging me an annual fee. Given that I had a XXXX balance, I mistakenly believed that my account was in good standing. They reporting me as 120 days late and closed my account. When I logged into the account a month later and realized what happened, I immediately called them and asked to reinstate my account. After their review, they rejected my request, and upon calling them again and speaking to a representative and supervisor, then again refused to work with me in any way. 

At no time did they to contact me to inform me that my account was past due. They insist that they attempted to make contact, but I have no record of any attempts made. This was especially disappointing as I had this account for fifteen years. Ironically, they were able to send marketing emails for additional financial products, but for some reason were unable to communicate the dire state of my account. Again, these actions were taken based not on any charges I had made ( I had a XXXX balance ), but on a fees they had assessed, including 'fees on fees '. 

From my perspective, this is a deplorable way to conduct business and it is striking to me that they would rather abandon a customer of fifteen years rather that take any responsibility whatsoever for their actions, passing off their inability to contacting me by stating that " I must have a problem with my phone. '' This type of behavior can ruin people 's lives and credit, and while is clearly unethical, should also be illegal.
Product: Debt collection

At the end of XXXX, I sent a request to the credit bureaus to address inaccuracies on my credit file. On XXXX/XXXX/2019, I received a letter from XXXX XXXX XXXX XXXX deceitfully presenting me with paperwork to resemble a " validation of debt ''. Nowhere in this information did the company provide a contract that they legally obtained the debt and was authorized to collect on it. They also failed to provide me with validation of the debt according to FDCPA. This company has willingly, deceitfully, and illegally attempted to collect a debt without honoring my rights as a consumer to validate the legitimacy and ownership of the debt. Upon research of this particular firm, I found several court documents to substantiate that XXXX often engages in these illegal and unethical business practices. They utilize misrepresentation such as seen on page 2 of their letter. They have created a word document and deceitfully represented that as a " validation of debt '' when in fact IT IS NOT in accordance to the FDPCA laws, which they are aware of based upon the numerous lawsuits that this office has had dismissed for this very practice over the last ten years. Yet, then continue to violate the laws they are to adhere to.

They have harmed me irrevocably caused harm in their continued reporting of a debt to my name that they have failed to validate and provide documentation that they legally obtained this debt. This harm has affected my financial well-being and ability to obtain credit in the past as well as the future.