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

I submitted a dispute with XXXX XXXX XXXX XXXX, and with all three credit bureaus for inaccurate and unverifiable information with a charge off the is being reported on my credit report. There is a charge showing with Transunion in the amount of {$4.00}, XXXX {$8300.00}, and XXXX is reporting {$4000.00}. There are multiple inaccurate with this report. 

1. The balances dont match.

2. the late payments dont match 3.This account has not been verified by the credit burueas I asked them to send me a copy of the sell and what they for the vehicle, and a proof of debt them and XXXX XXXX failed to provide me with any of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

During A Check of My Experian Credit Report On XXXX I Discovered Information On My Report That Is Fraudulent, Incorrect, and/or Erroneous. Experian Report Number : XXXX, XXXX  Credit Report, And XXXX  Credit Reports Dated XXXX Show That I have A Debt with XXXX  XXXX  XXXX  AKA XXXX   AKAXXXX XXXX XXXX. I have never had any account with this company or any of its Listed Affiliates. I have tried unsuccessfully to resolve this Fraudulent, incorrect, misleading, and damaging information from my Credit report. I am trying to avoid having to file Legal action against the Companies and reporters of the Fraudulent, and/or Erroneous Information, for causing damage to my report and reputation.
Product: Debt collection

Since XXXX/17, Diversified Consultants , Inc has been calling my cell phone multiple times each day without leaving a message. I have no debts, current or past due, with any company they represent.
Product: Debt collection

On XX/XX/XXXX, I received an alert that a debt from XXXX collection agency in Alabama had been recorded on my credit report. It stated that the original creditor was XXXX I called XXXX Collections on XX/XX/XXXX and they said that they could not help me and that I had to speak to Maury Cobb , Attorney At Law , LLC in Alabama who handles their business. I've tried several times to reach Maury Cobb , Attorney At Law , LLC without success. I called XXXX. I'm not now, nor have I ( or anyone in my family ) ever been a XXXX customer. XXXX told me that three telephones were purchased in my name in XX/XX/XXXX. The telephones were shipped to a residential address in Pennsylvania. I have never lived in Pennsylvania. I do not have any family or friends in Pennsylvania. XXXX said that since the matter is now in collections that it was no longer their concern. I hadn't heard from XXXX, XXXX XXXX, nor Maury Cobb , Attorney At Law , LLC before XX/XX/XXXX. The debt is fraudulent and a result of identity theft. I filed a police report with the XXXXXXXX XXXX XXXX. Report # : XXXX. ( I live in XXXX, XXXX  ) on XX/XX/XXXX.
Product: Debt collection

In XXXX XXXX I retired. I invested {$200000.00} XXXX XXXX. The investment went sideways due to fraud in late XXXX. In XXXX I was in poor financial condition and started job hunting ; I was hired by the Utah XXXX XXXX XXXX XXXX. At that time I retained " XXXX XXXX '' to try and clean up my debts without filing bankruptcy and began paying so much a month ( {$780.00} ) to build up an account to pay the debts and legal fees. We had progressed well and settled a portion of the debts I had incurred. In XXXX XXXX I XXXX at work ( XXXX reduced income to XXXX ) and was out until XXXX XXXX. In XXXX XXXX we started hearing from XXXX XXXX XXXX ( XXXX ) through the XXXX Court of Utah and XXXX XXXX XXXX. For every submittal by XXXX, XXXX XXXX countered with their own court submittal. This went back and forth XXXX 5 times until XXXX with several conversations of settlement. XXXX was very abrasive and cursed at the XXXX XXXX people trying to settle the case, he would not settle. Somewhere in near the end of XXXX XXXX ( lied, said I never responded to the court ) ) convinced or bought this judge to put a judgement in on me, without my day in court and any arbitration. Per the contract I was to have my arbitration and a day in court. XXXX told XXXX XXXX that I no longer had a contract because these carpet baggers had bought this debt so they were no longer responsible for the stipulations of the contract. In XXXX XXXX XXXX XXXX XXXX XXXX tried again to settle and offered everything I had in the account ( {$11000.00} ) they said no and cursed them out again and said they want it all. In the same month we submitted paperwork to XXXX XXXX XXXX and XXXX but XXXX did n't even respond, he ignored XXXX arbitrations attempts. XXXX XXXX I found out they had garnished my pay check at XXXX but also my Utah XXXX tax return was taken. In XXXX the tax return was a {$3200.00} ( a write off because of the XXXX loss ), so they have garnished approximately {$7500.00} in XXXX XXXX they will take approximately {$9000.00} but not State tax return because the oil relief is over and now I owe money this year. In XXXX XXXX XXXX XXXX was shut down and investigated by Fed 's for taking to much in fees up front and additional fees throughout each settlement process. Now the garnishing continues my money is tied up ( to settle ) at XXXX XXXX and I still have a corrupt lawyer and Judge to contend with day in day out. I had an original amount of {$20000.00}. The oil fraud was turned over to the Utah XXXX and determined they were fraudulent and I filed an additional complaint against XXXX XXXX after finding they had over charged everyone beyond the normal fee structure. The only thing I know is lawyers are created to prey on other peoples misfortunes and make them pay and pay whether or not they say they are on your side. I have all the documentation sent to me and everything I submitted in return. I also have the court records that show no notice of a hearing and no chance to arbitrate a settlement, I 'm discussed.
Product: Debt collection

I am writing regarding the alleged debt referenced in attachment below. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g, I am requesting that you provide me with validation of the debt in question.

I dispute the validity of this debt and request that you provide the following information : 1. Verification of the amount of the debt, including a detailed breakdown of all charges and fees.

2. Verification that you are licensed to collect debts in my state. 
XXXX. Proof of ownership or assignment of the debt, including documentation showing that you have the legal right to collect on this debt. 
XXXX. A complete payment history, detailing all payments made and any credits applied to the account. 
XXXX. A copy of the original signed agreement or contract, if applicable, that establishes my obligation to pay this debt. 

Please note that my request is not an acknowledgment of the debt 's validity. I am simply exercising my rights under the FDCPA to obtain verification and validation of the debt. Until such time as you provide the requested in-formation, I am requesting that you cease all collection efforts and refrain from contacting me regarding this matter. 

Please provide the requested information within 30 days of your receipt of this letter. Failure to do so will result in my assumption that this debt is not valid, and I will take appropriate action to protect my rights. 

PLEASE SEE THE ATTACHMENT
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act, These Creditors : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX and XXXX XXXX... VIOLATED my rights under 15 U.S.C 1681 Sections 602 States, I have the right to privacy. 15 U.S.C 1681 Section 604A section 2, It also states a consumer reporting agency can not furnish an account without MY PERMISSION/Written Instructions. Under 15 U.S.C 1666B, A Creditor May NOT treat a payment on a credit card account under an open and consumer credit plan as late for ANY purpose!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Checking or savings account

my sister, who i trust, gave me a personal check for {$9000.00} from her bank, XXXX, on XX/XX/XXXX and i deposited it into my account at bank of america ( boa ) on the same day. XXXX withdrew the {$9000.00} from her account on XX/XX/XXXX, the same day. boa placed a hold on the money for 10 days until XX/XX/XXXX. i have no access to the money for 10 days. they stated they are placing a hold on the money because i never received a check that large from XXXX and because my sister ( who has XXXX ) may not have enough money to cover the check. this all seems like bs to me and it is extremely inconvenient. 

i tried to make an appointment with boa but of course, they have no appts until XX/XX/XXXX. 

is this legal? can they hold my money for 10 days? i have more than enough in my savings to cover the amount of the check. should i report them to the XXXX?
Product: Checking or savings account

Hello, My name is XXXX XXXX and I've been banking Bank Of America for 13 Years and Ive been dealing with being charged access fees on my account ... Especially for the past 2 years Ive been paying fees after fees. After reviewing my account I have added up over {$800.00} in over draft and transfer fees.. I have reached out to The bank personnel to resolve this issue but it continues ... Almost every time I received a direct deposit my account is hit with many fees ... This bank is will process the largest transaction to make sure your account will become negative! This matter is becoming very stressful to deal with ... This is an ongoing matter and I need someone to help me!!!!
Product: Credit card

After doing a balance transfer with a USAA Credit Card, I began receiving interest charges on payments I had paid before the close of the statement. After several calls, I was informed that although it appears on my statement I have paid off those purchases, the payment was going toward the balance I transferred over. When asked where I could see the balance for which I am getting charged interest, I was informed that all they show is the rolling average but that until I pay the transfer balance, I would be earning interest charges. This led me to ask how a customer can see this " balance that is getting charged interest. '' I was told I could not see it with how their statement reads. The supervisor also informed me that the customer service reps on the front line helping customers would not be able to help a customer understand why they are getting charged interest when it appears the customer is paying on time and as they should avoid interest. She claimed to be submitting a suggestion that USAA began more transparent practices. 
This is predatory banking and needs to stop. There needs to be complete transparency within banking practices and the customers who rely on their communication and support. The USAA institution prides itself on customer care and providing for the families that protect the nation. Their practices prove they are a for-profit business with no care toward clearly calling out their practices to their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card company ( XXXX ) accidentally issued a hard inquiry on my credit report. This action took place on XX/XX/18. I spoke with XXXX regarding this issue and they agreed that it was their mistake. XXXX then sent the appropriate information to Equifax to resolve the issue and remove the hard inquiry. XXXX sent me a letter dated XX/XX/18 that explained what they had done and that they were correcting the issue with Equifax. It has been over 30 days and Equifax still has not removed this hard inquiry from my report. I spoke with XXXX on XX/XX/18 and informed them that I am still seeing the hard inquiry on my credit report. XXXX then said that they would resend the information to Equifax to have the inquiry removed. I disputed the hard inquiry with Equifax as well and still no action has taken place to remove this hard inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). I sent out a letter to kindly ask all XXXX credit beaures to verify a credit report which it came back as accurate. I also did a a very good research on my own on my credit report just to find out that the information these credit beaures say its accurate was improper and inaccurate credit report. The Account is as follows. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX I have also attached files below incluidng me sending out certified first class letters to these beaures.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XXXX {$3100.00} XX/XX/XXXXXXXX XXXX  XXXX {$250000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$85000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$840.00} XX/XX/XXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$70.00} XX/XX/XXXX
Product: Debt collection

Wells Fargo states I owe them XXXX dollars in student loans, though I have student loans with XXXX which I can prove and XXXX is also reflected on my NSLDS correctly. I have filed against them with the settlement a year ago and when I call for follow up I don't get an answer or they diverte the question. They told me if I pay them XXXX dollars it will all go away. Since all of this it killed my credit score and I get harassed with phone calls. I have told them to not call. Also, I have had uncountable fraud charges over the years. Please help me. I am trying to buy my first house at XXXX and live my life but this is stopping me. I am responsible and have made all my student loan, car loan and any other payments on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report, and found numerous errors on my report. I am a natural person, I am a living human being. I have rights under 15 USC 1681 Equifax, XXXX, and XXXX  is govern by 15 USC 1681 And they have violated my rights numerous of times. I demand these accounts listed below be removed because According to 15 USC 1681 : I have a right to privacy and I did not give Equifax, XXXX, and XXXX  written permission to furnish these accounts. 

These are the errors I found XXXX XXXX  XXXX XXXX, account # XXXX, XXXX. XXXX XXXX, account # XXXX, XXXX XXXX, account # XXXXXXXX XXXX XXXXXXXX, account # XXXX, XXXXXXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXXXXXX, account # XXXX, XXXX XXXX XXXX, account # XXXXXXXX XXXX XXXX account # XXXX, XXXXXXXX XXXX, account # XXXX, XXXX, account # XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX, account # XXXX, Some of these accounts are passed the statue of limitations allowed to be reported on credit report, therefore they should have already been removed.hhhh
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not updated my credit file since XX/XX/2021. When I questioned this, they advised I had a block on my file, what block they would not disclose. I have written proof on XX/XX/XXXX of this year they had me submit a form to remove the block in 24 hours. Yet my file has not been updated.
Product: Credit reporting or other personal consumer reports

I am sending this complaint to address discrepancies in my credit report and seek a fair solution. I respectfully request that credit bureaus ensure my personal identifying information is accurate, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any incorrect, outdated, or unverified information should be promptly corrected or removed to reflect the truth. 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 XXXXXX/XX/year> In line with the Fair Credit Reporting Act ( FCRA ) , I ask for a comprehensive review and reinvestigation of any disputed items. If an item can not be verified with concrete evidence, I request its immediate deletion to prevent inaccurate reporting from affecting my credit standing.
Product: Checking or savings account

Company : LendingClub XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX Account : XXXX Issue : Unable to withdraw funds from account. Attempts to withdraw funds out of the platform have failed without any notice. Company 's site states that money must be withdrawn to the same account it was deposited with to comply with anti-money laundering regulations. Having used this account/service over a period of many years, it is reasonable that occasionally accounts must be opened/closed/changed. Regardless, I have tried to open support cases with the company to validate the external account for withdrawal is in fact my account, but attempts to get this resolved through their support have been unsuccessful. Support case was opened on XX/XX/2021. It was not even replied to until until I again followed up on XX/XX/2021, of which I immediately responded and uploaded the requested document to validate my account. I followed up again on XX/XX/XXXX, and XX/XX/XXXX, with no response from LendingClub in either case.
Product: Money transfer, virtual currency, or money service

Can not link my checking account to XXXX to invest in stocks
Product: Mortgage

I have requested the following documents about my mortgage from SPS but the website keeps giving me an error message. 

Note Rider ( s ) Mortgage/Deed of Trust Truth in Lending Statement HUD-1 Settlement Statement Additionally, SPS has stuck me with a loan modification program that has a large balloon payment. I need help. Please remove the third installment of the principal that was forgiven and tell me if you can either remove additional principal or make the loan fully amortized. 

Additionally, I also wish to stop escrowing for taxes and insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

After several months of disputes with the Transunion there appears to be a deliberate refusal on their behalf in removal of identity theft related accounts that have been reporting on my credit file. These accounts were not opened or established by myself. I have sent in several pieces of supporting documentation but yet Transunion continues to report these accounts on my credit report. I've never owned any credit cards with XXXX  XXXX XXXX, The XXXX XXXX XXXX, or XXXX XXXX XXXX. I've reached out to the creditors and was informed to contact each consumer reporting agencies for a dispute. I also sent in and identity theft affidavit from the Federal Trade Commission report # XXXX which included the accounts listed above. I am aware anyone or individual with my personal information such as name, address, and social would be able to easily impersonate myself and open accounts under my name given the automated verification or e-oscar data furnisher system only verifies such personal information and nothing physical is ever obtained. I have been denied credit and this has caused a significant hardship financially and Transunion should be held accountable.
Product: Credit reporting or other personal consumer reports

Please remove the collection account XXXX from my credit report. The collection agency XXXX XXXX provided a letter stating that they have ceased the collection of this account and zeroed the balance. XXXX, XXXX, nor Transunion has been able to validate this account to date. The collection agency sent correspondence for the removal of this account in XXXX, and it is still reporting on my credit. Please see the enclosed letter and remove the aforementioned account from my credit report.
Product: Checking or savings account

Hi went to the bank today and paid my charge off amount now there refusing to get a account open in my name there so what should I do when its all paid in full
Product: Debt collection

Back in XX/XX/XXXX, XXXX erroneously placed my account into collections with XXXX. My balance with XXXX was paid at this time. I didnt understand when received call from XXXX and paid them XXXX . Then realized that I did not need to. By XX/XX/XXXX, XXXX had corrected the issue, sent me a refund check and state my balance is XXXX . Yet, XXXX continues to send me bill after bill and when I call them they dispute that the debt is paid. XXXX is aware of this issue, yet nothing is being resolved. 
Can you please help? 
Thank You XXXX
Product: Mortgage

Changed insurance companies a month before they were due. The company I switched to called them as well as I did to inform them of the switch. They paid the old insurance company. My insurance agent again called them, to which they informed them they had sent a check to them for my insurance. Here we are a month later and ever week calling the mortgage company as well as my agent calling nothings been paid. Last week my agent left me a message saying they told me they can not put a stop payment on the check for 45 days. Then said they told him to have me pay the insurance myself. I have an escrow, thats why it there to pay my insurance and taxes. My mortgage was with XXXX and it was great, then it was sold to SHELLPOINT and now insurance isnt getting paid, notices from state about taxes due. This is a lot of stress to deal with. Why have an escrow account I cant put that money in my bank and pay when due.