23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/15 XXXX I disputed with credit report and still being contacted as owed. I asked for proof and havent received it. I dont want this collection added to my credit report ( Credence XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw a couple of items that were opened under my social number. I know for sure these items are not mine. Please remove them from my report.
Product: Debt collection

Requested a letter via mail, they refused and will only send via email which i do not feel comfortable using. I have told both associates and their supervisior that i need a letter first, also i am currently unemployed and can not pay. I have said i would love to settle but i have no income and have moved home with my family. They then told me to borrow from my family or borrow against my parents house. This is unprofessional and will not stop calling. They use very unprofessional and abusive language and will not stop! They say i am incompetent and i don't want to settle this matter which is untrue.
Product: Credit card or prepaid card

I am disputing charges that were made on my Barclay Jet blue credit card ending in XXXX at XXXX. I informed Barclay and they issued me a new credit card ending in XXXX. They have however refused to remove these charges listed here : XXXX XXXX transaction date XX/XX/2022 {$36.00} XXXX  XXXX transaction date XX/XX/2022 {$36.00} XXXX XXXXXXXX XXXX date XX/XX/2022 {$40.00} XXXX XXXX transaction date XX/XX/2022 {$16.00} I have had conversations with XXXX and they can verify that these charges were not made by me. They are not in my list of purchases and it was verified that the items were not shipped to any address in my account. I have sent this information to Barclay. I did get notification that these charges were dropped from my account on XX/XX/XXXX, but were then reinstated afterward.
Product: Debt collection

I called Barclays Bank to ask why if I settled on XX/XX/year> with their debt payment plan why it was reporting on my credit report and sent to a collection agency? They confirmed it was paid, said I need to dispute it as they were unable to do it, only sending a letter. I am disputing tirelessly and multiple times with XXXX and they will not fix this. XXXX, XXXX, Or Barclays is helping to get this resolved when it is proven this is a paid debt. I settled another debt with Barclays on XX/XX/year> and in the letter they also stated I had no further obligations to them.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate removal of unauthorized inquiries that appear on my credit report. These inquiries were made without my consent and negatively impact my credit score and my ability to obtain financing.

Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that only authorized and verified inquiries remain on my report. Below are the unauthorized inquiries that should be removed : XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have attempted to contact the entities responsible for these inquiries to verify their authorization, but I have not received any response that justifies these actions. Therefore, I consider these inquiries unauthorized and fraudulent. 

I am attaching a copy of my identification and proof of address to verify my identity. I am also including a Federal Trade Commission ( FTC ) Identity Theft Report and any other necessary documentation to support my case. 

I request that, in accordance with the FCRA, these unauthorized inquiries be removed from my credit report immediately. Please notify me once this action has been completed or if additional information is required to process my request. 

Thank you in advance for your attention and prompt resolution of this matter.
Product: Credit reporting or other personal consumer reports

I am asking for your help in regards to these accounts, I want your help as these accounts is being reported differently across three bureaus and I need your help to correct this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for XXXX XXXX to verify or remove account information from my credit profile that I feel is incorrect. The bases for my request is because each of the three credit reports XXXX, XXXX and Experian are reporting different and conflicting information. I asked XXXX XXXX for a copy of the signed application. The response I received to that request. " Due to the method of application, there is no application copy available. '' I asked them for a copy of the payment history. Since all 3 credit reporting agencies are reporting no payment history and varying dates of delinquency. the response I received " We do not report a date of last activity. '' that is convenient. " We are not obligated to provide all of the documentation you requested, '' I did n't receive any of the information requested.
Product: Checking or savings account

From XX/XX/year> to XX/XX/year> nearly XXXX individuals were making withdrawals from my XXXX bank account DAILY WITHOUT MY APPROVAL for a total of {$2000.00}. 

CashApp denied any information and XXXX is denying my fraud claim stating I approved the money being withdrawn! I am going to a branch in person this morning! 

I don't give money to strangers and I don't even use CashApp! My account through XXXX was linked but I DO NOT USE CashApp! And I do not give out money to strangers online! 

Please help!!!
Product: Credit reporting or other personal consumer reports

I contacted the credit bureaus about incorrect accounts on my credit report and they did not respond in 30 days. I asked them to verify the information and they failed to verify it and it is still showing up on my credit report. I need this fixed as soon as possible because I am trying to purchase a home and their incorrect reporting is holding me back.
Product: Mortgage

Gulf Atlantic Funding should not allowed to do business. They lure you in with a supposed personal loan rep who gets a commission but never helps you. XXXX XXXX was supposed to get a mortgage for myself as well as some of my clients. I am a realtor. This was a complete nightmare with lies and months of no help or return calls. Almost losing the deal on the house for my clients!! And hours and hours of hunting them down only to get more lies and no help. Many changes to your costs last minute when you are desperate to buy the house..Like armed robbery without the XXXX. XXXX XXXX was the rep who was an absolute nightmare!
Product: Mortgage

XXXX CEO SETERUS RE : loan Once again I mistakenly contacted customer service at XXXX expecting to be assisted in my issue regarding {$83.00} that should have been credited to my principle account in 2010. Once again third time in 3 months your customer service department ca n't seem to pull it head out of its XXXX and answer a simple question. Once again today i was hung up on and refused to be allowed to speak with a customer service supervisor. 
Today the first XXXX that ca n't distinguish between call on hold and transfer button to voice mail. XXXX took my information and put me on hold for 17 minutes that was then switched to voice mail and I was disconnected. Typical when i have called over last 3 months. Called back and got connected to XXXX who i asked several times to speak with a supervisor. She refused and i was fed up with this XXXX that ca n't seem to understand I did n't want to talk to another XXXX rep that ca n't understand the customers simple request to deal with a supervisor. I hung up XXXX and called a third time and spoke with XXXX. Of the 3 she at least understood and honored my request to speak with a supervisor. After 6-7 minutes I was able to talk with a supervisor the was a total waste of time. The supervisor kept insisting that her people acted correctly, even though they XXXX dropped the ball first disconnecting me and then refusing the request to speak with a supervisor and not the XXXX. 
I will not be lectured by anyone including the XXXX supervisor when you XXXX clowns as a matter of habit hang-up and disconnect my calls EVERY TIME i have called in the last 3 months. Your supervisor lame XXXX apologies and lecturing the customer is not acceptable. If the department that deals with this stonewalls me in giving a response I directly hold your XXXX lame XXXX customer service accountable since they are the only contact number I have. Rather than answer a simple question or check with and inform the customer why they are on hold for 17 minutes or your XXXX customer service department try 's to defend its XXXX response and treatment of customers. 
This is nothing new with this XXXX company every time in the last year with the exception of one time I have been shuffled around, placed on eternal hold and hung up on. This attitude always comes from the leadership top down on how customers are treated. I 'm XXXX sick of your companies XXXX customer service reps. I am looking to refit and get XXXX away from this XXXX mess. The treatment you allow customers to endure is criminal and that is a understatement. Apologies from any XXXX supervisor or CEO XXXX mean nothing. 

Fix the issue and I also want the principle amount corrected for interest wrongly charged on the missing {$83.00} dollars since 2010. I will forward my complaint to XXXX and any other regulating agency that can slam you company and file charges for your unlawful misdirection of funds and wrongly accrued interest on the amount in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud Identity Theft Collection accont from XXXX is not mine this collection account is not mine according to the fair credit reporting act this fraudulent account must be removed and blocked
Product: Credit reporting or other personal consumer reports

These inquiries were unauthorized and i'm a victim of identity theft. I would like for these hard inquiries to be deleted. I did not authorize these companies to run my credit. This is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian and XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I was checking my credit report on XX/XX/year> when I noticed a collection account that I am unaware of. I am writing to file a formal complaint against Hillcrest Credit Agency for violating my rights under federal consumer protection laws. Hillcrest Credit Agency has failed to adhere to several regulatory requirements, and I seek your assistance in addressing these issues. 
Failure to Provide Validation Information : Hillcrest Credit Agency has not provided the necessary validation information as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they have placed a collection account on my consumer report. 
Lack of Opportunity to Dispute : I have not been given the chance to dispute the account in question, which is a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ). The agency has not provided me with the required notice and opportunity to dispute the debt. 
False, Misleading, and Deceptive Practices : Hillcrest Credit Agency has used false, misleading, and deceptive means in their communications and actions, which infringes upon my consumer rights. 
Unauthorized XXXX to XXXX XXXX XXXX : The agency has no authority to furnish any account to a consumer reporting agency without providing all necessary disclosures required by law. This is in direct violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). 
Furthermore, I am unaware of owing any debt to Hillcrest Credit Agency, and I did not receive proper notification of the debt in question. If Hillcrest Credit Agency claims to have provided proper notification, I request that they furnish the certified mail receipt with my signature as proof of receipt. 
Additionally, I am revoking all rights for Hillcrest Credit Agency to communicate with me via text, call, and email. All further communication must be in writing and sent to the address provided above. 
I am requesting the following from Hillcrest Credit Agency : Method of debt validation for the debt in question. 
The purchase agreement between Hillcrest Credit Agency and the original creditor. 
Proof that Hillcrest Credit Agency is licensed and bonded. 
Thank you for your attention to this matter. I trust that the CFPB will take the necessary actions to ensure that Hillcrest Credit Agency complies with all applicable laws and regulations.
Product: Debt collection

I did not open this account nor did I reap the benefits of this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed and inaccurate report bankruptcy with transunion XXXX and XXXX. I reached out to the bankruptcy court and was told that they do not furnish this information to the credit bureaus. However Transunion sent a letter saying the plaintiff attorney verified the bankruptcy. The bankruptcy court provided me a letter ALREADY stating that this was false so clearly Transunion is lying. 

I have reached out to an attorney and will file a suit against Transunion XXXX  and XXXX  for inaccurate reporting XXXX  and XXXX  claim they for their information from XXXX XXXX. However XXXX XXXX  doesnt have this information in their file and claims that they never verified this info with the bankruptcy because they can not verify false information
Product: Checking or savings account

Company made multiple withdraws totaling over $ XXXX. Company claims their system is down but im unable to access funds. I made muliple requests but still my account was not fix. Therefore, I was forced to dispute the charges with capitalone. Capital one will not investigate the charge cause I sent the dispute via mail but they want phone communication. I had XXXX  XXXX so I want to communicate via mail or email but they refuse. I just want my funds back.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Collection/Chargeoff Other {$7000.00} Status Date Reported XX/XX/year> Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Original Lender XXXX XXXX XXXX XXXX XXXX Account XXXX Not XXXX Responsibility Individual Age Of Account 1 Years, 1 Months Credit Limit Not Reported Highest Balance {$7000.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Remarks Account information disputed by consumer, meets FCRA requirements. 

I am writing to formally dispute the validity of the collection account referenced above. According to my records and the information I have received, this account is [ inaccurate, incorrect, not mine, or otherwise invalid ]. Please consider this letter as a formal request to investigate and validate this account. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of this debt. Please provide documentation proving that this account belongs to me, that the amount is accurate, and that your agency is legally authorized to collect it. Additionally, I request that you cease all collection activities while this investigation is pending. 

If you are unable to provide valid documentation within the required 30 days, I request that this account be immediately removed from my credit report and that you cease all collection activities. Additionally, please notify the credit reporting agencies to update and delete this account from my file. 

I look forward to receiving your written response, including the requested validation, within the legal timeframe. Please communicate with me in writing only. 

Thank you for your prompt attention to this matter.
Product: Mortgage

I currently have a mortgage with Flagstar bank for a property in the USVI.  I was a victim of hurricane Maria. The property was hit very hard, I lost the door, roof and all patio 's and decks. The property was insured through XXXX XXXX. It took a year of battling to finally get them to pay the claim, I received the check which was payable to myself and Flagstar Bank. When reaching out to Flagstar concerning the funds, they refused to endorse the check indicating it was " mutually vested interest '' to only release portions of these funds. I would like it to be said that I have never been late on a mortgage payment, I did rebuild the property to somewhat safety standards and have spent almost {$100000.00} out of my own pocket to date and have still not gotten the insurance to pay for emergency expense, contents nor additional living. Flagstar to date has yet to contribute anything, not a contractor name, not a waiver of a  mortgage payment, nothing but resistance. 

We agreed via email that if I endorsed the check to them, they would release 50 % of the funds with 3 days of receipt. They received the endorsed check on XXXX-18 @ XXXX XXXX. 

The only correspondence has been an email indicating the funds will be released no later than XXXX-18 and an email to myself and a contractor I've never used asking for company tax information. 

There is nothing contractually stating they can not release the funds in full to allow for the property to be rebuilt. We agreed prior to my endorsement that the funds would be released within 3 days. I would also like it noted, the funds they are in possession of are more than I owe them for the contract. 

No one should have to go through a category 5 hurricane, loose their home and all property. No one should ever have to battle with their insurance company for over a year to get them to pay a legitimate claim. No one should have to battle with their mortgage company to get them to release funds that they have no entitlement to in the name of making money off the interest off of peoples demise. I have lived up more than my end of the contract and was expecting them to do the same. 

NO ONE should have to go through the stress this has caused in the name of money.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX RETIRED XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$1300.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$100.00} Inquiries in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

BY law these companies are violating my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX   Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting Experian, XXXX, and XXXX request and provide signed copies of all of the disclosures guaranteed to me as a natural person with rights under 15 U.S.C. 6803 ( a ) while the current reinvestigation is taking place into the accuracy of the account listed below by the credit reporting agencies. 

Account Name XXXX XXXX XXXX XXXXXXXX Account Number XXXX For reference : 15 USC 6803 ( a ) states ; DISCLOSURE REQUIRED- At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title.

I do not recall receiving any such disclosures. I have requested that I be provided with these disclosures within 15 days the request was sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. Take off XXXX XXXX. I have credit freeze and never gave information. 
XXXX. XXXX XXXX has old information. I have XXXX balances on my accounts. 
XXXX. My credit history is XXXX XXXX XXXX and they say I have none. 
XXXX. XXXX says XXXX am late on payments in 2017. I was never late. I was in car accident and in hospital with tubes through my body. I called XXXX and told them I would make minimum payment and they took XXXX say it wasn't enough. That is a lie.I had agreement with them to pay XXXX $ a month until I got out of accident.