23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I paid off a loan on a double wide mobile home 30 years ago. The Bank of America never sent me a release at that time and now I am trying to get an original of the lien release for each side of this mobile home. The bank states that the originals were sent to the County of XXXX XXXX, who has nothing to do with mobile homes and they said they would have sent the paperwork back to the bank. I have tried since XX/XX/XXXX to get this resolved, phone calls, personal visits to the bank, etc. The only thing they have sent is a faxed copy which the Department of Housing will NOT accept to remove the legal owner as BofA. Your help in getting this resolved would be extremely appreciated as I have hit a dead end and have no where else to turn.
Product: Credit reporting or other personal consumer reports

This is my follow up complaint, I sent a letter on XXXX XXXX to remove accountsthat are UNKNOWN to me. I came across this law today and according to the PerFCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts orinformation not later than XXXX business days after the XX/XX/XXXX XXXX alreadyincluded this in my previous Complaint XXXX  & I am including it again. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : 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 Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is computation error or similar in the two-year payment history. Showing inaccurate reported for XXXX XXXX XXXX XXXX  needs to be deleted as soon as possible. It has to be deleted to show 100 % payment history. The account overall is positive and good standing. I am attaching supporting documents. FTC Report has been attached.
Product: Debt collection

I received a XXXX XXXX prepaid XXXX XXXX  card in the mail. It said it was for {$500.00}. Not believing it but curious that XXXX XXXX would send me {$500.00}, I went to the XXXX XXXX ATM and tried using it. The ATM refused the card. 

I called XXXX XXXX and explained about the card and that when I tried using it the ATM refused it. I was asked if I entered the PIN #. I told them that a PIN # was not included and could they give me one. The answer was no. I asked what should I do and was told, find the correct PIN or I couldn't use it. 

I then asked them to cancel the card. I was told I needed to give them the PIN and name of bank that funded the card. Of course I didn't know either of them. Not knowing what to do, I did nothing. I figured it was a scam and nothing would come of it. 

Then I started getting bills for interest on the card. Each month I received a notice that interest was being deducted from the card. Annual percentage rate of 30.49 P. 

On the latest notice I noticed a " purchase '' charge of {$87.00} and a cash advance of {$570.00}. 

I admit I didn't pay attention to the XXXX XXXX notices because I did not apply for the card and did not use it and when I tried cancelling it they refused. I shredded the card after they refused to cancel it. 

Yesterday, I received a notice XXXX XXXX had sold the account to " Portfolio Recovery Associates , LLC. 

I don't understand what is happening. I confess to being ignorant about financial matters. I only use my XXXX XXXX XXXX and XXXX cards. I don't need any other. I am XXXX years old and too trusting. I should have known XXXX XXXX would never give me {$500.00} free but I see banks offering such often in advertisements. 

Thank you, XXXX XXXX XXXX
Product: Debt collection

I have received a collection notice from Linebarger Goggan Blair & Sampson for {$18.00} for License # XXXX. Their office confirmed that this is for tolls incurred in XXXX via Florida 's XXXX XXXX. In the time I have owned this vehicle and had this license plate, it has never been near XXXX. The office is uncooperative and unwilling to adjust the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. After multiple disputes Equifax XXXX and XXXX Credit bureaus are currently still reporting XXXX XXXX - XXXX an inaccurate account on my report such as multiple inaccurate names and addresses that are not mine, account status shows Last reported date is inaccurate, Date of Last Activity is inaccurate, Date of Last Payment is inaccurate missing data and a Collection/Charge-off reporting a balance. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. Equifax, XXXX and XXXX are not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion. 

Under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. ''
Product: Debt collection

I have requested the verification of the stated accounts from all XXXX ot the credit report reporting agencies. I have indicated the reason for removal is that the account being reported is not mine and I did not authorize or participate in the account being created or receive any benefit from the account in question. 

The credit reporting agencies have requested verification of the debt and the creditor continues to report the debt as mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called Transunion to file a dispute for multiple hard inquiries placed in my report without my consent. The agent told me that I am not allowed to dispute inquiries even if they are incorrect. These multiple inquiries were made without my consent by me applying for a mortgage online the companies have sent my information to multiple lenders that have pulled my credit report without my knowledge. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I'm seeking your help to address the incorrect account reflected in my credit report. This concern has affected my personal reputation, and I need your cooperation in resolving it. The mishandling of my credit has devastated my reputation, and the inaccurate information must be removed immediately.
Product: Student loan

Discover student loans apparently bought my loans. They have jacked up my interest rates to an unspeakable amount and made my monthly minimum payment unbearable. They are not willing to work with me on lowering the minimum payment and will not allow me to defer. I am a single mother of XXXX, i have been paying since XXXX and did not when graduate until XXXX. They call my cosigner sometimes up to four times a day before even saying to contact me. They speak to third parties about my private loan information and recently automatically withdrew a payment from a third parties account with out my consent. They are absolutely a fraudulent company judging by their history of being probed for student loan happiness and jacking interest rates and minimum payments up. I can no longer afford to make their minimum payment and they are unwilling to work with me. They are shredding my credit score and have me on the verge of bankruptcy.i need help!!
Product: Checking or savings account

On XXXX XXXX I was at XXXX XXXX ATM at approximately/or around XXXX trying to make and withdrawal from my Bank of America account for {$100.00} I was denied... I tried again for an second time but denied twice and was charged an additional {$8.00} per transaction. so then I tried to make an transfer of {$100.00} to my XXXX XXXX account from my bank of America account, but once I tried to use my XXXX XXXX card in the ATM I was denied ... at that time I tried to transfer {$200.00} to my XXXX XXXX card from my bank of America account .but I gotten the same results denied ... .so I went home.. on XXXX at around XXXX I called customer service and explained everything that happen in addition I didn't get my direct deposit alert or my funds from my direct deposit.. 

As I talked to the agent she explains how she see what's going on.. I was told my direct deposit is in processing and the funds will be in my account in the morning by XXXX XXXX. and as for the ATM withdrawals, she could see where all the transactions were debited from my available balance ... { while it were in processing } but unfortunately them funds wont be refunded until 2 to 5 days due to it was an ATM transactions........ but neither refund has happen up to todays date... on the XXXX of XXXX my whole transactions history was change everything that showed the deductions from my available balance was changed to XXXX for all the transactions from XXXX to XXXX and they even put my direct deposit in my transactions history but my available balance never moved up... .. { see the transactions history showed how the ATM withdrawals showed my funds being debited from my available balance on the XXXX and XXXX } after talking to the agent on the XXXX at XXXX everything change but not corrected ... ..just modified ..... 

I've talked to at least 5 different specialist and no agent has assisted me with an resolution .... it took me at least an month to get an escalations personelle email... 
once I've emailed her she basically told me I'm not getting my funds and she will let her agents what to say for future events.. so I was like so what about my funds, she laughed at me... really and said for the future I should write down an ledger so ill know how much is in my account... so I did let her know that was not good advice because that is not creditable and why would she tell me that as a customer.
Product: Credit reporting or other personal consumer reports

I have never done business with XXXX XXXX I've never opened an account with XXXX XXXX XXXX either. I have no knowledge of these accounts. I reached out to them to make them aware of my victimization being trafficked abused and disputed this information. They put on my report that I diapered the account but it meets fcra standards. This is egregious which means transition didn't do their job in investigation not did XXXX XXXX. I want XXXX  removed XXXX XXXX removed as well as the hard inquiry associated with the companied and my score accordingly
Product: Debt collection

I had a biz CC ( XXXX XXXX debt that I believe was written off by XXXX after we went to court in 2018. Lately the collection company D & A LLC has been calling me on my cell phone at various times of the day, usually before XXXX. I advised them that as this was a business debt they should call me at my store after XXXX PST. The call calls continued. 

I don't mind them calling as long as the hour is not too early according to my schedule XXXX not theirs ) and to my business phone number, not my cell number. 

I finally called them back, told them I thought the debt had been written off by XXXX and figured D & A was fishing. XXXX has never tried to contact me by mail or phoe during the 2 years.I was turned over to XXXX XXXX. She (? ) was pleasant and cooperative and promised to resolve the phone number issue, etc. 

However, I still believe the debt was written off by XXXX, I paid taxes on the paid off amount, and believed the matter was settled, especially after 2 years. I'm not sure I should start paying this collector. 

Thanks for any assistance you can offer in resolving this matter.
Product: Credit reporting or other personal consumer reports

I've been challenging these false and fraudulent accounts, thus I'm asking for this account to be deleted. In my previous disagreement, I also included an FTC, which I am included in this one as well.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX many times explaining that this information on the attached FTC report does not belong to me at all. These was done fraudulently, I call, and they say that the special handling has to call me back & I never get a call & this information remains on my credit report. Please delete this information. so many laws were broken on their behalf if you just look at my documents you will see.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, XXXX and Transunion will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened a account in my name and also have applied for a credit card in my name and this has been going on since 2019
Product: Debt collection

XXXX XXXX XXXX is charging me for equipment which was returned. I have spoken to them numerous times about this and they told me in XXXX that this charge was removed from my account. Then, all of a sudden, in XXXX of XXXX it showed up on my credit as being in collections. I called them and was supposed to be transferred to their " recovery dept '' and was left on hold for 36 minutes. I then started a chat session and was also disconnected from that. They have the worst customer service I have ever encountered. I do not owe this and I want it settled once and for all ... not for 2 years and then all of a sudden reappearing on my credit report as a collection account. Very disturbing!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called carhop to settle my Loan on a closed account, I settled and paid the company XXXX dollars. I was told this would take time to show on my credit report and Id receive a release lean in 4 weeks, I originally called carhop XXXX to report there was incorrect information reported on my credit report which stated I still owed XXXX and that my last payment was XX/XX/XXXX and was still in repossession I spoke to a XXXX who said Id have to send documentation a copy of my license etc to corporate to show proof this was incorrectly reported also stated it was the credit companys fault when that is FALSE. I settled with this company so I didnt have to deal with them but its becoming hard for anyone to help me with this when nobody can give me a straight answer. I settled with the company I dont know why I have to go through this.
Product: Credit reporting or other personal consumer reports

Upon reviewing my recent credit report, I have identified discrepancies that require immediate attention. The company has acknowledged this error and has committed to updating the status to open/never late. Other credit bureaus have already corrected the status of the accounts after the companies recognized the inaccuracy of the accounts. 
I kindly request a thorough investigation into these accounts and prompt communication of the findings via mail. According to information available online, such disputes should be resolved within 30 days. Therefore, I expect to receive your response within this time-frame. 


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

on XX/XX/2019 and also on XX/XX/2019 and on XX/XX/2019, I sent Equifax a total of 3 dispute letters on an account from XXXX XXXX and have sent it certified and I still haven't received a deletion to a paid settled for less than full balance and they are stating that its late 120 days on a closed account that they marked open I have given them a full 3 months and they refused to resolve it they clearly violated the FCRA law and have received no answer to results its still reporting on XXXX XXXX when XXXX XXXX claimed they deleted the account between XX/XX/XXXX and XX/XX/XXXX and yet it still reports so I am trying to get a straight answer should be deleted and yet it is reporting
Product: Credit reporting or other personal consumer reports

Dispute an account and provide police report verification for identity theft. Transunion claims they verify account and updated payment when I never made any payment to it. In which proves they have been reporting inaccurate information the entire time but fail to remove it. This is violation of several USCs.

15 usc 6801, 15 usc 6802, 15 usc 1692g
Product: Debt collection

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX XXXX XXXX XXXX XXXX XXXX that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), and a collection account opened at The Debt Mediation on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Debt collection

There is collection account in my name for a medical bill that is not mine. It's through XXXX XXXX recovery but serviced by Plus Four. We had an initial police report done and " XXXX '' at Plus Four stated it wasn't a police report. Extremely belligerent and rude. I called XXXX XXXX Police Department and Officer XXXX clarified that it was a police report, however, we had him do another as another Fraudulent bill has appeared.We sent that report and its still according to XXXX being further investigated by XXXX XXXX XXXX and is not being deleted from the credit reports. He stated they were attempting to get more identity information like a drivers license and signature.Well, it clearly states in the police report that my wallet was missing and later found by someone. It was never reported in Wisconsin because nothing was charged or taken from the wallet. Signatures won't be mine but the Drivers license could be because it was in my wallet. Plus four has been horrible. Federal law states we can record the call regardless of state law as Federal trumps state. XXXX has been horrible to my wife regarding this situation and this needs to be addressed. I have submitted all evidence and will not be threatened that they will re open the XXXX XXXX account. XXXX XXXX will not take our calls!
Product: Debt collection

on or about XX/XX/2021, I received a notice from Credit Collection Services that I owed XXXX {$330.00}. I called CCS and advised them to send me proof of services and debt. CCS referred me to XXXX and I explained to CCS that they need to send me the proof of services and debt if they are collecting on XXXX 's behalf. On or about XX/XX/2021 XXXX sent me notice that they will report me to all three credit bureau if I don't pay by XX/XX/2021. I called XXXX and advised them that I have not received any documentation from them on the said debt and or services from XXXX. They told me that they would send me the Health Insurance Claim form. I did receive the Health Insurance claim from which had my name and date of birth, however, it had a bad address and doctor that I had never seen or heard of. The Claim form had 'signature on file ' and no verification or actual signature. I requested that CCS go back and send me proof of debt/ service with my signature authorization such as service and doctor. CCS did not send me proof and reported me to all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681 ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( it ) the information is, in fact, inaccurate. 
I can go on and on The credit bureaus have no respect for the laws. 
Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I received a notification from XXXX XXXX that I had some hard inquiries on my XXXX and XXXX credit reports. I check both reports and discovered that I had 3 on XXXX ( XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX ) and 1 on XXXX dated for the XXXX of XXXX. I had not applied or requested any inquiries on my credit. I contacted the finanical institutions that I found numbers for and notified them. I was directed to file a claim with the FTC.
Product: Credit card

XXXX XXXX recently updated and migrated their system. Due to the migration, payments failed to process. My autopay was set for XX/XX/XXXX, which didn't process due to their migration issues, leaving me with a {$29.00} late fee. I noticed this on XXXX XXXX and sent a one-time payment so I'd be current on my payment plan deal, as well a message through their secure message center trying to get the late fee removed. I tried calling but gave up after being on hold for an hour. I've checked my messages every morning but no response. On XXXX XXXX, I check, still no response, but now my minimum payment has been raised from {$29.00} to {$87.00}. My payment plan still shows as being {$29.00} a month and it's the only thing on the account. I sent another message asking again for the late fee to be removed and for the minimum payment to be reversed.