23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

American account can you view the file and confirm to me that is in fact your reporting? And also to the best of your knowledge is this reporting correct? It shows a open date of XX/XX/XXXX when you first reported And then looks like in XX/XX/XXXX All of a sudden it gets removed becomes a new account and nobody knows anything about it. This is im verifiable information and it Hass to be removed and also violations of the FCRA again one of you need to pick who wants to remove it Explain please
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I found that there was a collection of {$110.00} for a XXXX XXXX bill in XXXX, GA on my credit report. This collection was lableed as delinquent in XXXX. I was *not* the owner of that account. I had moved to Florida and was a Florida resident in XX/XX/XXXX. I called the collection agency ( Credit Managment LP ) and had discussed that it was not my account, but asked if I could get a goodwill deletion if I paid off the debt because I wanted the issue to be resolved immediately instead of waiting months for it to go thru the dispute process. 

They agreed that they would provide a goodwill deletion after the debt was paid. 

After I paid off the debt, they apparently deleted the collection only to XXXX. The collection still shows up on my XXXX and XXXX credit reports, negatively affecting my credit score. I called Credit Management LP again in XXXX and they told me to file a claim on their Web site. I filed a claim on their Web site, but I still get no response and the collection is still showing up on my XXXX and XXXX creidt reports.
Product: Payday loan

I opened an account with Mobiloans on XXXX/XXXX/15. Since then I borrowed almost {$900.00}. By XX/XX/XXXX I had paid back over {$600.00} of the loan thru payments made to this account thru my bank account. At present after making these payments I still owe over {$900.00}. I had to go to my bank and put a stop payment, since the withdrawals were becoming not only more frequent, but also bigger each time. 

I had read something about this company before, but they seemed to be legitimate, but later found out what the complaint were about. 

I had made the loan because I was in between jobs to help me get thru to the next month, but the cost of pay8ing back the loan has made it almost impossible to do with the amount of money I make in my new job.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/2023 to XXXX, XXXX, and Equifax. Here is my tracking number : XXXX. However the credit bureaus said they completed the investigation and everything was 100 % accurate. 

I sent another letter out on XX/XX/2023 to XXXX, XXXX, and Equifax. Here is my tracking number : XXXX. However, again the credit bureaus said they completed the investigation and everything was 100 % accurate. 

Which is incorrect. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I would like to know who did they talk to? 

How did they complete this investigation? 

I sent another letter out on XX/XX/2023 to XXXX, XXXX, and Equifax. Here is my tracking XXXX. 
I have requested the method of verification but I still haven't received a response. 

I even resent that letter out on XX/XX/2023 to XXXX, XXXX, and Equifax. Here is my tracking XXXX. 
I once again requested the bureaus provide me with the methods of verification but once again I received no response.
Product: Mortgage

On XX/XX/2017, I contacted Caliber home loans ( at XXXX ) in regards to my home loan escrow balance and taxes. Let me first start off by saying in order to speak to someone there is a lengthy automated system which has prompt after prompt. Once i spoke to the tax department I then was transferred to customer service. I have an escrow balance of {$3500.00}. My taxes last year were {$680.00}. This year they increased to {$7800.00}. The reason for the increase was due to the fact that we built our home and the previous year taxes were only {$680.00} because the city estimated the taxes without the home and only the land. Upon speaking with a customer service representative ( ID # XXXX ),  he was very confused on the details of my loan which happened the last several times I spoke with Caliber. I asked very clear and direct questions regarding my escrow account : " where is the money being allocated to and how much ''. He began to say several times " ummmm ''. He seemed to dance around my question. This is the only info I gathered being that this info is NOT accessible online. Here was the breakdown he gave me and he said he didnt know how else to explain it. The only reason I have any of this info was because I had to ask several times and redirect him back to the original question. 

{$3500.00} ( in escrow to date ) - {$1500.00} ( to insurance ) - {$630.00} ( PMI ) ___________  {$560.00} remainder ... ...?? Where is the rest of the money going?? He got rude as if I was being unreasonable. The call was recorded. I asked to speak to someone else or a supervisor and he then refused stating he answered my questions to the best of his ability. 

I then was transferred by him back into the que after stating that this was a recorded line and i want to speak to someone else. I then spoke with another woman in customer service. This woman could not tell me what my escrow balance was stating " where do you see that info? ". She then said let me look at the notes from the previous representative. I told her I do not need you to do that. I need you to look at my account and give me direct answers to my direct questions. I explained to her that a portion of my escrow was going towards my taxes and It isnt listed on the annual escrow account disclosure and statement, nor is the breakdown of where the money is being allocated to. She again sounded confused and said I can mail you out another statement. I told her that when someone trusts a company to handle their home loan, they expect direct answers about where and when payments will be made on their behalf and how much. I also told them I would be reporting them for their deceptive practices. I would like them investigated to see why exactly they are unable to give direct answers regarding payments allocated from the escrow account.
Product: Consumer Loan

I GOT BEHIND ON MY PAYMENTS BUT HAVE BEEN MAKING THEM. MY CREDIT REPORT IS STILL SHOWING NO PAYMENTS AND I HAVE MAILED THEM NUMEROUS LETTERS AND CALLED TO HAVE IT CORRECTED. I HAVE BEEN MAKING {$20.00} EVERY PAY PERIOD.
Product: Credit reporting or other personal consumer reports

I ask the company XXXX account XXXX for a investigation on this account to correct anything that is not accurate and the information is still incorrect on XXXX bureau it's reporting XXXX on experian and XXXX on XXXX. These both are reporting incorrect. Please hold this company accountable for not reporting 100 % accurate as the law require.
Product: Credit card

Signed up for a guitar center card in XXXX XXXX. I was told I can return the product within 6 months if not satisfied, I did go back in XXXX and was told that guitar center would 'buy ' back my guitar for less than half of what was charged to my card. 
Initially XXXX XXXX managed this account, then was turned over to Syncrony Bank in XXXX or XXXX XXXX. Getting in touch with management is impossible and these people are unforgiving with high penalty fees, for people who can not afford them. I was told my account would be under a promotional period until XXXX of XXXX, and try to extend it so I can pay the principal balance on the XXXX of XXXX, but they refuse, it 's a difference of almost {$300.00}. Please help. On hold over 1 hour waiting to speak with a supervisor, still not results. Original cost of item was {$900.00}, I have paid {$610.00} since I received the card in XXXX XXXX. My balance is currently {$850.00}. 18 months later my balance is nearly the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Credit card or prepaid card

I called to cancel my American Express Delta miles card. I talked to XXXX from XXXX Florida. I asked her to close my account and she responded by telling me that if I close my account they would take back any bonus miles that I received as a promotion. When I asked what would happen if I used the miles already and didnt have any left. She informed me that they would charge me for any bonus miles that were given to me as a promotion. This was false and miss leading information, and I told her that I want to see that policy in writing. She said that it was not in writing and that it was at the discretion of managers to make this kind of decision. I believe she was using a fear tactic to keep me from closing my card. Had I not known more information credit card companies or been less confident, I might have been afraid to close my card. I asked her to Close my card and transfer me to a manager, where I left a message on the voicemail. I have not heard back from American Express about this misleading practice.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I submitted a dispute with Tranuion to remove all 10 fraudulent inquiries from my credit report they have failed to protect my consumer rights and remove the fraudulent accounts after submitting proof of identity theft they have failed and violated the consumer penal code XXXX  have also failed to remove the fraudulent account ( credence resource management ) after I have sent in proof of identity theft which should be remove immediately from my credit report XXXX HAVE NOT REMOVED within 4 business days which is a violation of the consumer penal code the accounts below are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX  which are also fraudulent If these are not removed I and my attorney will file a legal suit and seek {$700000.00} in damages
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple negative account with the credit bureaus and they have reported to confirm the account is valid. In good faith efforts to resolve this matter amicably, I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature with this company, as well as proof of authority in this manner. They have failed to comply with previous investigations.

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.
Product: Credit card or prepaid card

XX/XX/XXXX   my kid was prompted to make an application at  Amazon.com fo r the Chase Ban k Amazon Rewards Visa Signature Card, p romising {$50.00} off a current  Amazon order if they did so. ( purchases for   XXXX   XXXX   XXXX   gifts ) (  I have excellent credit and should b e zero issu es. ) I made the application under my name but we did n't get the credit discount on the order. I opted to pay for the order using my existing credit card and immediately thereafter moved to chat with  Amazon ask ing to cancel the credit card application entirely. They said they could n't do it and I needed to call Chase bank at  XXXX . I called them today and  two le vels of reps could n't let me cancel the application ( which they said was still 'pending ' ) and a higher-up supervisor was n't available. I since discovered if the card goes through it will automatically be added to my Amazon account as a payment method. I do n't want to have to fix all of this. I want the application stopped, deleted immediately. I want no record of the app on my credit and I do not want the card at a ll. Chase rep   says they ca n't do that. I say they can. They keep having me enter my SS # on an unsecure phoneline even to get to speak to a representative. Who then, again, asks for my SS #. I am sure none of that is secure.
Product: Checking or savings account

On XX/XX/XXXX, Bank of American posted a charge of {$4500.00} to our business account for an item purchased from XXXX XXXX ( XXXX ). The item was delivered the third week of XXXX ; however, we refused delivery as the item was damaged. 

In the past, when we've had similar issues with XXXX  items, they have issued a refund of our money as soon as they have confirmation that their shipping company has possession of the item. We also made sure to call our customer support rep at XXXX to let them know the item is being returned and why. 

Generally, the refund is back in our account within a week. After XXXX weeks of nothing happening, we contacted XXXX and were given the run around about not being able to locate the returned item. We then went ahead and disputed the charge with Bank of America. 

At the end of XXXX, I contacted Bank of America to get a status update because we had been told by XXXX that the refund had been issued. Bank of America told us that they submitted our claim to XXXX 's bank on XX/XX/XXXX and were still waiting for a response. Over the course of the next two plus weeks, we would get conflicting information from Bank of America and from XXXX. 

On XX/XX/XXXX, I was instructed by XXXX to drop the claim we filed as that was the reason the funds were not coming back. They also informed me that they had approved the chargeback dispute and authorized the funds to be sent back to me. They even provided us with a screenshot showing their release/authorization. 

I had multiple calls with Bank of America on XX/XX/XXXX and XXXX about this. I told them what XXXX had said, and that the funds were not with them but with Bank of America. Bank of America refuted that, stating they are a receiving bank and credit funds as soon as they are received. 

In XXXX final effort, I got representatives of Bank of America and XXXX on the phone with me. Bank of America acknowledged that there was a chargeback, but said that no funds were pulled back from XXXX, which is not, from all that we know, possible because the chargeback is the pulling back of funds from XXXX to Bank of America. And XXXX 's records show that the money was reversed back to my bank. 

I contacted XXXX today. They said they have seen nothing from Bank of America and are now telling me I need to get Bank of America to take action because my funds are with the Bank. I am getting extremely frustrating because, contrary to what they are saying, I do believe my money is sitting in a suspense or hold account and they, for whatever reason, are refusing to release it to me.
Product: Debt collection

Paid contract off in full, company tried to collect more money after I paid off debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a hard inquiry pulled on my credit report from XXXX/AVANT LLC . I contacted both XXXX XXXX and Avant and neither could find an account in my name. I have not applied for anything from either place and would like the inquiry removed.
Product: Credit reporting or other personal consumer reports

The information that is reported to the credit reporting agencies has been incorrect since XX/XX/XXXXXXXX The balance owed is incorrect and payments are not showing accurate dates. I have submitted disputes after disputes and can not get anything corrected. Three credit reporting companies have all different information and have hurt my credit tremendously and they will not respond with any corrections. Ive submitted documents after documents proving the inaccurate information. My mortgage has been completely removed off of my credit report through Experian as XXXX XXXX I cant even apply for credit related loans because when my credit is pulled I dont qualify because no mortgage is listed anymore. My mortgage company decided instead of correcting their errors they would just remove the mortgage account all together
Product: Credit reporting or other personal consumer reports

his Person ( XXXX XXXX ) has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by XXXX XXXX that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX furnished to my consumer report I did not give written permission to.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting

I have been dispute the negative accounts on my report over the past year with the credit bureaus. The information is continuously coming back as verified. I have asked about their verification or investigation process as well as proof of verification and yet I have n't received any information regarding this.
Product: Credit reporting or other personal consumer reports

Closing complaints earlier everyday but THEY DIDN'T RESOLVE ANYTHING AS REQUESTED FORWARDED TO F.T.C AND D.O.J