23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I finally looked at my credit report this XXXX to pay down my debts. I called XXXX about the duplicated charge for the same day posted to a debt collector and was told to call the agency which was evergreen professional recovery but that they would dispute the reports. there were three. one for XXXX dollars placed on XX/XX/2016, and two for XXXX dollars for the same day on XX/XX/2016. 

when I called evergreen they suddenly claimed I owed over XXXX dollars in medical debt from XXXX from XXXX not the XXXX on my XXXX  report. I had insurance at the time. she tried to lie to me about sending me the medical records from XXXX that show what procedures that money is from to get my address from me. I know creditors do not have access to information about procedures ive had or not had because it violates XXXX policy. 

furthermore XXXX sending me to collections instead of billing my insurance is predatory and seems to be a part of something they do on a regular basis. I am not the only person to have this experience. I have XXXX  and no job now and have XXXX charges or copay with this type of state insurance and somehow they are trying to take me to collections for recent things as well. it should be noted that in between XXXX and now I've had providence, as well as health share Oregon all under this same tier and umbrella of XXXX  and have never been charged for anything. XXXX would get paid the same if they took their charge disputes to XXXX instead of harming those under XXXX XXXX that have no money and no jobs and that's WHY they have XXXX.
Product: Credit reporting or other personal consumer reports

Theres a credit inquiry from XXXX XXXX XXXX in XX/XX/XXXX that I did not attempt. Also there is a credit inquiry from XXXX XXXX in XX/XX/XXXX that is not mine. Along with a credit inquiry from JPMCB in XXXX of XXXX. All of which are not mine. I did not attempt these. I will be filing a law suit for inaccuracy in the reporting of my credit profile. So I ask that you remove these XXXX inquiries asap or XXXX proceed with the lawsuit.
Product: Mortgage

I sold my home on XXXX XXXX on a short sale. I called Bank of America several times after XXXX XXXX, 2015 to report that my bank account was showing that the loan was still owing and that a payment would draft on XXXX/XXXX/15. I was told repeatedly that everything was fine and that would n't happen. On XXXX/XXXX/15, the payment did come out of my bank account. I called immediately and was directed to my " case manager '' in the short sale process. She is the same person I had tried to get ahold of for weeks but kept getting to someone else. I did speak to her. She could not see the payment since it would post the next day for her to see. She scheduled an appointment with my for the next morning, XXXX/XXXX/15, at XXXX PST to call me. She never called. I called her several times to no avail. And as of XXXX/XXXX/15, her department no longer has voicemail. I finally talked to whoever answered the phone and asked for a manager. All of the managers were in meetings or sick or on vacation. I had to speak to a supervisor or something. However, he was not available. He did have voicemail. I left a message for XXXX XXXX and have never received a call back. Today is XXXX XXXX. So, I have had no calls returned in 12 days and my money has not been returned. I tried to go into my branch on XXXX XXXX also. The manager there tried to help, but ran into the same issues I did with finding someone who could help. After a week, she left me a voicemail saying she had finally spoken to someone and that they were working on it. That was XXXX XXXX. Today, XXXX XXXX, I tried to call XXXX again, my " case manager. '' Of course, someone else answered the phone, XXXX. XXXX could n't help me so he transferred me to XXXX in the loan modification department. XXXX could not help me either and had to transfer me to customer service. I was just on hold for 30 minutes with XXXX transferring me and now the phone hung up. So, I am at the end of my rope. I can not be on hold any longer. I am trying to move out of the property at this moment and ca n't waste hours a day getting transferred all over bank of America and still not get any help. Supposedly, the EFT transfer for future months was finally cancelled when I spoke to bank of America on XXXX, however, XXXX told me today that another payment is scheduled for XXXX XXXX. 
There was also a payment taken out on XXXX XXXX that perhaps should n't have been either. The pay off amount was calculated previously. I may have now overpaid by XXXX payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous accounts on my credit report that do not belong to me XXXX XXXX XXXX   {$3000.00} Department of Education/ Nelnet  {$10000.00} & {$4600.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX is reporting a {$7000.00} balance that was paid by insurance pay off as charge-off/ closed / derogatory it should show balance paid sucessfully. 

I have been disputing and giving all info need to prove this debt is not mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information for the second time now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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
Product: Credit reporting or other personal consumer reports

I have contacted EXPERIAN several times trying to get information removed from my credit report, but I always get a turnaround from then, i need to remove wrong information from XXXX XXXX XXXX  and XXXX for closed/charge-off/paid accounts. 

Experian has also rejected my request on the letter that I have sent previously stating that it`s not me sending this letter, even after sending proof of address, driver 's license, etc...
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the attached information to Equifax, CMRRR via  USPS, as well as faxed 3 times, in support of my 605B block request. Equifax states they received it, but only 1 page and my social security card.

I asked how they could lose my information so many times. They advised that the mailroom scans and then shreds the papers. However, my information is not being delivered to Equifax fraud investigators, no matter how I send it. This is unacceptable. I have been fighting this fraud for over a year. Equifax will not provide an address to send items signature required, so I have no way to ensure my information is received. I have given plenty of chances for Equifax to address this with the methods provided.

I am also unable to submit this information online, as I am blocked from doing so on their website. I am unable to view my credit report even though I pay monthly for it. I am unable to purchase my report. I am unable to use the dispute system. This ca n't be legal.

I am attaching the documents I have been sending directly to this complaint. That way, the CFPB can deliver them. Maybe they wo n't shred my life away this time.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain items listed on my credit report that I believe to be inaccurate and in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c.

The items in question are associated with the following account ( s ) : XXXX XXXX XXXX I dispute the validity of this debt and have reason to believe that the reported information does not accurately reflect the situation. Under 15 U.S.C. 1692c, I am exercising my rights to ensure that I am not subjected to any unfair practices related to debt collection.
Product: Checking or savings account

On XX/XX/2021, I was on my way to Wisconsin for work and HSBC USA decided to freeze both my XXXX  Checking and XXXX  Savings accounts to verify a wire transfer that I subsequently canceled. Note this was the 3rd time in 3 weeks they did this to me. I informed them that I no longer needed the wire transfer and took care of my obligations via alternate means. However they insisted that I go to a branch to verify my ID even though I informed them that 1 ) I was almost out of gas and without access to my funds there was no way I could make it to any branch as 2 ) the nearest branch to XXXX, PA was 3 hours away. On XX/XX/2021 I contacted the bank again via phone and again requested my funds be released and they questioned where I got my funds from. I informed them that it was from the sale of my house in Florida and they demanded proof. XXXX wire transferred the funds to XXXX Bank back on XX/XX/XXXX and the remaining amount later in XXXX. No funds were ever wired to HSBC. I informed them that XXXX already verified my information and issued me a certified check when I closed my account with XXXX. The only verification they should need is to confirm with XXXX the validity of the certified check, which, if it wasn't valid, XXXX would not have cleared. They still insisted and I send them documentation of the sale of my home. So I forwarded the information to them and in the email I voiced my concern that I was being singled out and they should stop the racism in banking. Right after that email they subsequently 0pened my account. However within 24 hours they froze my account again. This time claiming that my account was pending an audit by the fraud department that they said could last indefinitely. 

Every time I call I'm informed that they do not have any information. Can't disclose the nature of the audit and the timeframe for the conclusion of the audit. I continuously feel like I'm being singled out because I voiced my concern about them operating like minorities can't sell a house and earn that much cash. I also informed them that thanks to their decision to illegally hold my funds, I was stranded XXXX  in XXXX, PA for 4 weeks and had to beg for assistance and food. I didn't make it to Wisconsin for my work and I have since lost my job, lost my health insurance, can't pay my bills, potentially will lose my car, don't have car insurance. I'm facing XXXX XXXX XXXX XXXX, as I can no longer afford my medication. Yet all I receive is callous, insincere, and in some instances misleading/outright lies as responses. 

As of today, they are still holding my funds without any legitimate reason. Even when I finally made it to a branch and was verified, they still refuse to give me my hard earned funds and are acting like the funds belong to them. I am planning legal action and I'm reporting this to the CFPB so that any regulatory actions necessary can be taken as well.
Product: Mortgage

I have submitted EVERYTHING requested of me in the processing of this loan. Thus, meeting FHA guidelines. The underwriter has unjustly disregarded my current base salary XXXX income and has stalled the processing for my FHA loan application. I have improved my financial situation by obtaining a new job which pays substantially more than my previous self-employed business and my business experience in Entrepreneurship/upper management carries over. Underwriting wants me to wait 6 months which isn't an FHA guideline from all the research I done. 

I feel like I am not being given the same opportunity to qualify for a mortgage as other borrowers are. I have never had a gap in my employment and my current XXXX income should be used. I provided an offer letter and the VOE has been completed by my employer. I have been paid and I have provided my paycheck stub as required. In fact, I have met all conditions and the underwriter is bias and applying his/her personal agenda vs. applying the guidelines that are set forth.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent dispute letter after dispute letter with Equifax regarding XXXX XXXX reporting of a paid closed account and I admit it was a paid repo however they as in Equifax has been reporting that the payment history this whole time was good and according to XXXX XXXX between XX/XX/2019 and XX/XX/2019 this account was removed from my credit report and yet it is still reporting which is it?
Product: Mortgage

I financed my home and having a VA loan they called me back and said we can lower your rate even more. They got me excited about lowering my rate again and they did nothing! They let the time run out. This was Freedom mortgage inability to help the customer. So now I could potentionally pay $ XXXX over 30 years
Product: Debt collection

I have previously attempted to have this agency cease and desist and they refuse to do so. The damages they are alleging were not done by me. I have requested proof on multiple occasions. Also, within the City of XXXX a landlord is required to send a statement regarding charges within 30 days of moving, or no debt can be charged to a tenant. I have requested proof of this statement being sent including but not limited to tracking information, certified letter, etc and have received no proof regarding. The management company that sold this debt to NCAC is no longer in business due to these illegal practices. I have submitted NCAC with photographic proof of no damages and have  requested photos regarding the said damage, receipts for cost of repair, etc and have received nothing regarding.
Product: Debt collection

On XXXX-18 I sent a certified letter ( tracking # XXXX to XXXX XXXX XXXX which was received on XXXX-18 at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. XXXX XXXX XXXX has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of XXXX XXXX XXXX. XXXX XXXX XXXX is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation
Product: Credit reporting or other personal consumer reports

Filed and attempted multiple disputes on XX/XX/XXXX - XX/XX/XXXX hence no reply or action by company. I have filed dispute over inaccurate information listed on my credit report. I have waited over 30 days and tried to give XXXX, Experian and XXXX a chance to resolve this issue. I filed a re-investigation, and still no lawful response XXXX, Experian and XXXX has chosen to violate and ignore the statues of the Fair Credit Reporting Act. I have legal documentation of my attempts to have this inaccurate and false information removed. I am respectfully requesting that the disputed and unvalidated information be removed from my credit report, in accordance with the provisions pursuant to Fair Credit Reporting Act 616 ( a ) [ 15 USC 1681n ] and [ 15 USC 1692c ( 8 ), c ( 10 )
Product: Credit card or prepaid card

Capital one card was issued and activated ; on my information without my knowledge right now the balance on the card ending with XXXX is {$200.00}, I never had this card, or activated or used it ... .on calling the customer service XXXX, after long delays, I was told by XXXX senior supervisor, some kind of member ship with BJ 's was renewed for {$55.00} rest all is interest and fines. but I have moved from XXXX to XXXX  more than a year back, and I have not been to any BJs in last 18 months. this membership renewed without consent. and i never had this credit card of capital one. 
please investigate and penalize them for this business practice.
Product: Mortgage

Im still waiting for Acre Mortgage to send over my appraisal. I requested this appraisal on XX/XX/XXXX but they still have not sent it. I almost loss my house because I missed my mortgage commitment and my settlement date was on XX/XX/XXXX. Why are they doing these things to me. I already sent them a written letter to send everything over.
Product: Vehicle loan or lease

A buy here pay here sold my stuff to a bank without my approval and they ran my credit and it wasnt supposed to be.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lets get Straight into this, All 3 Credit Reporting Private Companies has a account on my Credit report that shouldnt be on there. Actually by Law nothing should be on my Credit report sue to the Fact I havent giving anyone permission to report anything on my credit Profile I have the right of privacy They have a account from XXXX XXXX XXXX  and all 3 Private Data Reporting Companies have something different on their for the Account Status. Im going to start with XXXX XXXX, has the Account listed as In Collection/Charged off. This XXXX XXXXXXXX Account cant be a Charge of because that means that XXXX XXXXXXXX XXXX gave up the Debt in most cases filed a Insurance Claim, also will be receiving a Tax Write off.. As for the Collection part, how do the Credit Reporting even know that this account for XXXX XXXX XXXX is in Collections when a the Collection company at hand never even Posted yet. Another pointer is that until the Debt Collection Compnay sends over the Validation not Verification I requested the Acount may not even be mines. Im attaching a file with this letter showing that This account should be Deleted according without any Delay. 

Now on to Equifax. Equifax has this Account listed as a Charge off, and as I stated Earlier in this letter that this isnt a Charge off. A Charge off is when the Granting Company just throws in the Towel and take a full lost. Actually its not a Full lost because They fill an Insurance Claim to get paid, also write it off on their yearly Taxes. Basically they are getting paid twice for it, and also when a Company Charges Items off the Consumer isnt held reliable for that Account because the Granting company took it upon themselves to Charge that Account off. So please remove at Once. 

Now For XXXX. 
XXXX Also has this account showing as Charged off. Clearly you can read the above statement about Charge Offs, so Im not going to get into that. I could tell you this though., These Credit Reporting Companies are illegally False Reporting. This Account was never Charged off, nor do they know its in Collections. They are breaking the law, in the attachment Im attaching to this XXXX XXXXXXXX XXXX Clearly says they Sent these False Credit Reporting Companies a message to DELETE THIS ACCOUNT because they dont want their name on anything. Once again the Law has Been broken by these Private Companies whom call themselves a Bureau, when Actually their criminals due to the reason I didnt give my consent to post anything on their Reports or whatever you want to call it. My right have been violated, my right to my privacy must not be a Great American Law anymore. 

Please remove this Account from your reports or be prepared to be Sued In the Words of the late Great Donald Trump Lets make American Great Again
Product: Credit reporting, credit repair services, 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 : # XXXXhas violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my 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 than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Checking or savings account

XX/XX/2024 I received a text, and 2 separate emails stating that Bank Remitly was transferring a certain amount from my account to another individuals account that I did not authorize. I have never heard of this bank nor this individual. I then received another email stating that another amount has been sent from my account to this individual. I checked my personal account and yes my account has been hacked and money is missing. My account is now froze and I am having to work with my bank to take necessary actions to protect my assets due to this fraudulent action.
Product: Credit reporting or other personal consumer reports

I have received an email from TransUnion. I logged in to the site, which I did not remember when I opened, compared to XXXX with wonder what kind of dispute I made to TransUnion, since I had bunch of complaints to XXXX and XXXX. Therefore, I submit this suspicious email to your federal organization. I have checked this TranUnion has activated the fraud alert and extended alert. So far, online, they were activated. I hope there would be more service of security for the safety of identity, because of the numberless experiences of complaints and questions how these credit report companies consider the users ' securities.
Product: Debt collection

I HAVE ASKED XXXX VARIOUS TIMES TO SEND ME THE FALLOWING 1. A copy of a Liability Agreement bearing my signature along with proof of  identification presented at the time of the visit. 
2. Verification the claim was submitted to my insurer within the allotted timely filing period. 
3. The Explanation of Benefits received from my insurer in response to the claim verifying my responsibility for the amount billed. 
4. Documentation verifying the amount owed has been deemed Patient Liability. I trust that you are aware that it is both, unlawful and unethical, to bill me for any amount of money your office is liable for. 
5. Any proof that you may have that it was communicated to me that payment was expected before services were rendered I trust that you are aware you can not report this as a collection unless credit was extended to me. Credit is extended if your office regularly requires payment before rendering services and make patients aware that through receiving care on credit they would later be responsible for the unpaid amount. 
AS PER ( FCRA 623 ). 

HOW EVER THEY SENT A PHOTO COPY OF MY SUPPOSED BILL ANS SERVICES WHICH VIOLATING HIPPA IO DEMAND THAT THEY STOP  COLLECTING BOGUS AMOUNTS AND REMOVE THIS INACCURATE INFORMATION IMMEDIATELY.