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

In accordance with the Fair Credit Reporting act convergent account XXXX acct # XXXX 120 days late payments, XXXX XXXX XXXX acct # XXXX, XXXX. XXXX acct # XXXX XXXX XXXX acct # XXXX has 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

In XXXX I was evicted from an apartment. The law firm placed a collection account on my credit profile. Then in XXXX the Lawyer sold the debt to XXXX XXXX XXXX  XXXX XXXX Then In XXXX XXXX XXXX Bank sold the debt to NCB management Services. 

It has now been 12 years since the original account became delinquent and the account closed. I have contacted the Lawyer -they wont talk to me, and both collection agency. I was in hope someone would fix this. 

The account is showing it was closed and went delinquent in XXXX. If that is true then they owe me 8 years of an apartment.
Product: Credit reporting

I am a victim of identity theft and I have unauthorized and fraudulent credit and collection accounts, and inquiries listed on my Equifax credit report. The following credit and collection accounts, and inquiries are fraudulent, unauthorized and do n't belong to me : 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 and XXXX XXXX., XXXX/XXXX/XXXX.
Product: Debt collection

I contacted MCM to be rudely told to contact the legal team who did nothing to prove the debt was mine nor properly inform me of the subponea and told me they are going to garnish my wages recently after getting my current address through the XXXX  complaint. This debt is from XXXX and they tried taking legal action years later and sent a subpoena to the wrong address causing my judgement to go into default. I spoke with a XXXX who claimed he was a supervisor who could do nothing because I put out a complaint. I was living elsewhere when they tried to send more docs to an address I didn't reside at. This can be proven via the roommate I had at the time XXXX XXXX  )
Product: Credit card

Net Credit is continuing to run credit checks and automatically applying me for credit cards without my consent. I only gave consent on XX/XX/XXXX to attempt to get a line of credit. They did give one offer on the same but I declined. I did not apply for a line of credit at XXXX on today at XX/XX/XXXX.
Product: Debt collection

I disputed this account awhile ago but still have not received anything I asked for to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I asked for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?
Product: Credit card or prepaid card

Good Morning Sir or Madam, I am filing a complaint against Direct Express. Every first of the month, {$430.00} is posted on my Direct Express debit card. I called XXXX to check the balance on the card, it says the {$430.00} was posted into the account on XX/XX/XXXX, but also there was a {$230.00} charge on the card XX/XX/2019 that I did not authorize. I called repeatedly to inquire about the charge because I don't know where it was from. I want to dispute the charge, but unfortunately after several attempts, I kept getting a message reading high call volume, try again later. I called the social security administration they said, once the send money to Direct Express, it's out of their hands. They said for me to try to call Direct Express Saturday morning @ XXXX. Unfortunately, I called today, Saturday XX/XX/2019 and keep getting the same recording. I have no way of knowing why my funds are missing or who is responsible for the charge. Direct Express number listed on the card is XXXX. There is no address listed on the card. I searched their website for an address. XXXX. XXXX XXXX XXXX XXXX, TX XXXX is listed. Can someone please help me? 

My contact information : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas. XXXX Phone :. XXXX
Product: Bank account or service

XX/XX/XXXX I found an article on the internet that described a citibank consumer promotion. The promotion was open a new checking account, deposit {$15000.00} and leave this deposit in the account for 30 days, then leave at least {$10000.00} in the account for an additional 90 days and earn a {$400.00} cash bonus. 
I contacted citibank, talked to a banker on the phone because there are no branches in Minnesota, said I wanted to enroll in this promotion ( citibank 's promotion XXXX ) and opened an account and deposited {$15000.00} on XX/XX/XXXX. 
After 30 days I withdrew some of the deposit but left {$10000.00} in the account until XX/XX/XXXX ( 90 days ). Before I withdrew this money I called to check I would still be in compliance with the terms of the promotion and was assured I would be. When I asked for a conformation letter to this effect I was told the rep could not send me letter but do n't worry. 
Over the last 90 days I have talked with several citibank customer service reps and several supervisors and was assured I was in compliance with the terms of the promotion and would earn the {$400.00} bonus. 
Supervisors I talked with were XXXX on XX/XX/XXXX and XXXX XX/XX/XXXX who opened an inquiry into the situation, case XXXX, and several other reps. I was assured the bonus would be paid after XX/XX/XXXX. 
Today is XX/XX/XXXX and I still do not have the bonus. 
I called again on XX/XX/XXXX, reached a supervisor named XXXX and was told since an inquiry was opened it would take 45 more days to resolve the inquiry ( first time I had heard this ) and the promotion might not be targeted for me ( first time I had heard this ) since I might not be the target audience for the promotion. 
Several times during this period I asked for a letter confirming the offer and was always told they could not send me a letter but do n't worry everything was fine. 
During this period when I asked to talk with someone with more authority ( since these people were giving varying pieces of information ) I was told this was impossible. 
Several times I was told to go to a citibank branch and talk with a banker but pointed out this was impossible since there are no branches in Minnesota. 
I need help to get an answer. This is feeling more and more like a scam. It is a case of big international bank vs. little consumer.
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 XXXX, GA XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX Balance : {$0.00}XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00}, XXXX XXXXXXXX Balance : {$850.00} 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: Credit reporting or other personal consumer reports

Navy federal reporting that I missed pay for my credit on month of XXXX I did not miss payment I made the payment and they reported the payment missing on XXXXXXXX month later but the payment been made. I asked them to solve the problem they told me to contact the credit bureaus. They dont wants to fix it.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 

XXXX XXXX {$0.00}
Product: Debt collection

Vance and Hoffman Account type collection Balance {$1000.00} Date opened XX/XX/year> I have tried calling the company to dispute but didn't get an answer or an answering machine. I believe this account to be fraudulent and I have received XXXX written or verbal communication this account even existed with the original debt holder, and has now gone to collections with this comany, also with XXXX writen or verbal notice. 

This not the first time fraudulent activeity has been used with my information. I was notified when filing my taxes, someone tried to file in my behalf.
Product: Payday loan

I keep trying emails from ACE XXXX INC threatening me for a past due loan which I have no knowledge of. They alleged case file is # XXXX and the email is XXXXXXXXXXXX
Product: Mortgage

I have been with quicken loans for years. I am selling my house to my daughter and I have found another house to buy. I was pre-approved and at no time was I. told there was a problem with finances. I submitted my social security XXXX and also my long term XXXX through my work I was at for 20 years. No problem. I have paid to have an inspection on the house I am buying, {$500.00} to quicken loans and {$2000.00} to paint the outside of. my current home So I could sale it. I have done all paperwork, including insurance policy and we are supposed to close XX/XX/XXXX. For the last 2 weeks they have been telling me they had to have a letter from XXXX XXXX saying I would receive this income for 3 years. No one can guarantee ( XXXX or not ) if they will have the same job or paycheck for the next 3 years. No one. My credit score is XXXX and I personally think this is discrimination against me. Please help me because on. XX/XX/XXXX I will have no home. The man selling his house to me has also spent a lot to make repairs on the home I am buying from him. Does this mean I can never buy another home because I am XXXX? Please help me. I am selling my home for {$80000.00} and buying the other house for {$110000.00}. If I don't reinvest the money into a new house It will be turned in as income and I will lose all equity paying taxes. Please help me. I don't have long and even though it has gone this far the loan officer called this morning and said if I don't prove the income will last 3 years I can not get my house. Again, no one can guarantee that.
Product: Checking or savings account

Numerous fraudulent transactions on our checking account. Regions Bank does not provide fraud protection, and wants us to assume liability. 
Total of over {$43000.00} was debited from our account fraudulently. The Descriptions all have XXXX XXXX listed as the phone payment. 

Transactions : 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, credit repair services, or other personal consumer reports

I signed up for Auto pay with VW Credit. They had my checking account information for this purpose. The multiple monthly payments were automatically deducted. Come XX/XX/2019, unbeknownst to me, the payment was not automatically withdrawn. Fast forward to XX/XX/2019, I get an alert stating my credit went down 70 points!! I see on my credit report that I was over 60 days in late payment to VW Credit. I called VW credit and talked to them about it. They said I wasn't enrolled in automatic payments. I told them this was untrue as payments were automatically deducted from my checking account. I finally got a supervisor and she admitted that " there must of been a computer glitch ''. However, she said she could not fix it herself. I would have to contact the credit bureaus. Which I did MULTIPLE times -- only XXXX, and XXXX updated their records to correct that I was NEVER late. In fact, not only was I not late, I paid off the 3 year lease, nearly 3 years early! I only owe 2 payments left out of a 36 month lease. I never bothered to look to see if my payment was deducted because I felt like I didn't have to as I keep plenty of money in that account. XXXX  refuses to fix this. I have filed complaints with them 4 to 5 different times and all they do is just send me a copy of my credit report. Because they would not fix this in XXXX XXXX XXXX I went ahead and paid off the lease minus 2 payments because I did not trust that VW Credit would take out my automatic payments. I pay ALL my bills on time. I take my credit very seriously. I am trying to buy a home in Florida and this strike on my XXXX  credit report affects me getting a better interest rate!! They are horrible. They say they will look into it but they really never do. They just print out a copy of my credit report. The other companies found in my favor and CORRECTED the late payment in XX/XX/2019. I have been battling this for over a year now. Should I get a lawyer? It is principle for me. I pay off all my debts ON TIME. XXXX is too lazy or they just don't care! Can you please help me get this bad mark of my credit report. I am at my wits end. Thank you for taking the time to review my case.
Product: Credit reporting or other personal consumer reports

I believe that there have been violations of my rights under the FCRA by these agencies, causing me undue stress, anxiety, mental anguish, financial loss, career setbacks, emotional distress, and loss of sleep. These issues stem from the infringement of my right to privacy as outlined in 15 U.S.C. 1681, Section 602. Specifically, I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  accounts in my consumer credit report. 15 U.S.C. 1681, Section 604, subsection ( a ) ( 2 ) explicitly states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XXXX XXXX XXXXXXXX XXXX.
Product: Debt collection

Recently found out that there was unauthorized charges on my credit report that did not belong to me or belongs to someone with a similar name. I Approached XXXX  and XXXX  and told them that these did not belong to me. Through a bit of effort it was removed from these 2 credit bureaus succesfully. XXXX on the other hand has been extremely difficult to get ahold of online as well as on the telephone. Eventually after spending 20 + hours on the phone with XXXX  I filed disputes regarding collection from the agency " XXXX XXXX XXXX ''. No resolution has been made my experian for these fraudulent and unauthorized charges on my credit report. It has been extremely difficult to pursue this issue with experian as contact from them is minimal and they are not doing the correct research. 

XXXX report # Report Number : XXXX
Product: Mortgage

I have been attempting to complete a loan modification for over 3 years. SN Servicing unwillingness to work with me forced me to file a Chapter XXXX bankruptcy ; which I am currently in. However, I also have submitted to SN Servicing to complete a short sale of my home in XX/XX/2019. I received a fair offer of {$150000.00} which was the amount of SN Servicing BPO of my home value. The offer was reviewed and counter at {$250000.00} which was decided in XX/XX/2019. Since this time period I/we have been attempting to negotiate a reasonable purchase price ; however, the communication and response from XXXXN Servicing has went silent and they are now only requesting to have the bankruptcy stay released to  pursue foreclosure proceedings. I now have a ratified contract confirming a {$250000.00} purchase price subject to home appraisal. I am requesting assistance with SN Servicing to accept the short sale offer at a fair and reasonable priced based on market analysis of home.
Product: Mortgage

I have been trying to reach out to my mortgage company for almost 2 months to get the incorrect 30 day late removed from my credit report. I was never informed of the change in my mortgage payments prior to the first new payment in XX/XX/2021 and paid them within 30 days of finding out!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation.
Product: Checking or savings account

My business account of the company XXXX XXXX XXXX was closed by Mercury. They told me this : " Were writing to inform you that we can no longer offer you services at Mercury Your account has been closed due to a breach of our Terms of Service and/or your Deposit Account Agreement. Funds are being retained by Mercury at this time and will not be immediately returned to you. Should we return the funds at a later date, you will be notified. " I asked for a timeframe of the return of the funds or to be able to see the transactions because they might be allowing deposits and they did not answer that. They even told when i asked again that " This will be our final communication to you regarding this matter. We appreciate your understanding. '' And then I XXXX  and the answer they gave me are copy and pasted from other emails. Aparantly they block the email after that answer and I am not able to comunicate with them anymore and they will not answer. 

So this is the situation. I had lose access to my funds and they refuse to give a proper answer or to return them.
Product: Credit reporting or other personal consumer reports

These items were not authorized by me, and I did not grant permission for these items to be included in my consumer report. The realization that such inaccuracies could jeopardize my financial standing is deeply distressing. According to 15 U.S.C. 1681b, there are strict guidelines on the permissible purposes for which consumer reports can be furnished. I have never initiated a business relationship with the above-mentioned creditors, nor have I given them explicit permission to access my credit information.
Product: Mortgage

On XXXX XXXX my mortgage payment was increased by {$210.00} per month. I called Shellpoint and was tols they are demanding a cushion in my escrow.They are charging me this for the next 12 months. My usual large monthly escrow payment is enough to cover taxes and insurance. There is no reason for this. They will not respond to my 2 emails to let me take over paying my taxes. My mortgage was sold off to Shellpoint. I would never would have done bussiness with a company that is now putting me in a hardship and an unaffordable monthly payment. When calling they just repeat we want a cushion. Please help before I am in deep trouble.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact this bank few times and they never responded me back with the information I have with them. This account is not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has knowingly furnished inaccurate information on my consumer report. I have followed proper protocol and disputed the medical collection accounts that are being furnished in delinquent status. XXXX  XXXX XXXX has provided Equifax with second hand information. Equifax did not do their due diligence by conducting the investigative consumer report. According to 15 USC 1681 the investigation procedures must include personal interviews with neighbors, friends or associates who has first hand knowledge concerning the three accounts being reported on behalf of XXXX. I am demanding the proper validation for these accounts. XXXX did not give me the opportunity to dispute this information prior to transferring this account to Equifax for reporting purposes. Equifax negligence has undermined my confidence as a protected consumer. My right to privacy was breached purposely because the original Creditor, XXXX and Equifax refused to disclose my right to opt out of reporting and validate information before tainting my reputation, character and credit worthiness.
Product: Debt collection

Tekcollect repeatedly calls my work number. I explained to them this is my work number and I can not receive calls at this number. I also expressed that I needed a validation/verification of the debt before I would pay it and that they could send me the information to my address they have on file. The individual who I spoke to was very rude and yelled at me that I should " just pay my bills '' and they won't call me. I reiterated that I was requesting a verification of the debt and would like to see the original documents for the debt and the company will not send them to me. They call multiple times a day, sometimes at XXXX or as late as XXXX XXXX. I have stated that this is harassment. When I told them this was my work number they hung up on me. So I called back to tell them and that is when the " gentleman '' yelled at me. The calls are coming in when I am at work. They're leaving messages where others can hear the message ( this is not a secured voicemail and anyone can access this information ). My coworkers now know I have a medical debt because this company is practicing unlawful debt collection practices.
Product: Credit card

Capital One is on my personal credit report. I am a member in a partnership XXXX. This account is on my personal credit report and I never agreed to that. The account is current, but it should not be on my personal credit report. Our XXXX  company has other company credit cards and no others appear on the member on the XXXX. This removed from my credit report before, now its back on. Please remove it.
Product: Debt collection

This organization has posted a fraudulently negative collection identifier on my credit report. On top of the fact that I do not recognize this debt, the validity of such a debt would be nullified and illegal as I am a resident of Virginia and have been since well before the purported date of this fraudulent debt. I have, to my knowledge, never had any dealings with this organization or this debt other than attempts made to remove this fraudulent identifier from my credit report. 

As a retired military veteran, I find it personally reprehensible and offensive that this activity continues to be perpetrated against fellow American citizens. I 'm confused as to how an organization can so easily falsify credit reports of individuals against whom they have no legal jurisdiction.