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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX SC XXXX Balance : $ XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Checking or savings account

On XX/XX/2022 XXXX XXXX XXXX took a {$100.00} from my Checking Acct. 
On XXXX XXXX XXXX the same company took out {$70.00} from the same Acct. 
Several times I requested them to Cancel my contract and this all was because they didn't do the repairs as they advertise when I became a customer with their organization 2 times once in XXXX and once in XXXX. where they did nothing to repair my Heat Pump the first time in the winter when it was cold and once in the Summer when the heat was 100 degrees. I am a XXXX veteran with XXXX XXXX XXXX and both conditions of the weather have affected me.
Product: Credit reporting or other personal consumer reports

I sent a dispute letter to Comenity Bank on XX/XX/2023 asking to 1 ) prove negative remarks reported on my credit report and IF proven true to make a goodwill adjustment and remove negative remarks. I received a corresponding letter dated XX/XX/2023 stating that " After reviewing our records, we find that we are unable to make any adjustments to your payment history ''. While I do understand that the creditor is under no obligation to grant a goodwill adjustment, Comenity failed to acknowledge my other requests with this response. 

I responded to this later on XX/XX/2023 ( mailed on XX/XX/2023 ) reiterating my original requests to 1 ) validate these late payments and 2 ) to provide me with written confirmation of the steps taken to investigate my dispute. Their initial vague and short response led me to believe that they did not taken my initial claim seriously and failed to validate said negative remarks AND did not follow through with providing me with written steps they took to investigate my claim. I have yet to receive any correspondence from them since my letter and therefore, I believe that my rights are being violated and my claim was not properly handled. I have attached ALL correspondence between Comenity and I since my initial dispute as well as the mail receipt of the final letter that was sent.
Product: Mortgage

In XXXX of XXXX we began talks with LoanDepot in order to re-finance our home through a loan modification. The reason for this was that I was diagnosed with XXXX and my husband lost a significant portion of his income. As we began to submit the required documentation, Loan Depot repeatedly changed the type of information required. 
Over the course of six months we went back and forth due to their changing whims. At no time were we able to speak directly to the group within Loan Depot requesting the information. We even had a professional group as well as an attorney submit our documentation. 
When we finally submitted all of the documentation, we were denied because LoanDepot stated they could not pull our credit due to a freeze. When we called each credit bureau, they each stated that not only was there NO freeze in place, but they had NO record of LoanDepot making an attempt to pull our credit. 
The result of this fraudulent position presented by LoanDepot was that we had to file for Chpt XXXX BK in XX/XX/XXXX. After we filed to save our home, LoanDepot attempted to withdraw funds from our account despite the filing. We noticed this and put a stop payment on their DDA Loan Depot , Inc. They then engaged in another fraudulent practice of changing their DDA to XXXX XXXX, to collect the funds that they DID NOT have authority to take. 
As a result, they took our money for a XXXX payment. Unfortunately, we did not know they already took those funds via those fraudulent means and we sent a separate check to remit our payment. When we noticed this action on their part, we immediately suffered significant monetary impact, but we thought at least the month of XXXX and the month of XXXX was covered. 
Loan Depot sent us a statement that showed that we still owed for the VERY month they nefariously took our money under the XXXX DDA. They denied the transaction despite our bank records showing the exact opposite. This took several weeks of calls to resolve. 

Ultimately, we feel that LoanDepot had no intention of reviewing, much less, approving a loan modification. We think is due to my husband 's XXXX and my XXXX. Their repeated changes to required documentation was used as delay tactics as well as their absolute lie regarding our credit freeze were cited as the reasons for the loan modification denial.
Product: Debt collection

In the month of XX/XX/XXXX, I received a letter from XXXX XXXX that the account was being transferred ( assigned ) to XXXX XXXX XXXX for collections. Reflected on my Credit Report this account was shown to be charged off. This same month I received a letter from XXXX XXXX XXXX stating they are a debt collector attempting to collect a debt. On this letter bound on legal paper in the form of a contract had a remittance coupon on the bottom requesting payment. XXXX XXXX XXXX XXXX # XXXX principal address is in XXXX, their business is purchasing and collecting of consumer debts. I responded to their letter with a notice of dispute requesting validation and verification of this purported debt. The first letter was sent the XXXX of XX/XX/XXXX, and the second letter on the XXXX of XX/XX/XXXX. I Also observed that my credit report did not reflect dispute status. I received a letter which stated, As requested, we are sending copies of statements and other relevant documentation to serve as a validation of debt. This letter lacked verification and did not provide information in full of the original creditor. Provided to me was a thick packet of statements with no relevancy to what was requested. On XXXX XX/XX/XXXX my father-in-law was served a summons. Unable to afford counsel I had to deal with this matter which caused further instability to my household. I began to further research and found that this law-firm was a debt-buyer and that they were assigned this debt. An assignment is a transfer of all interests and rights to the thing assigned. These terms are declared on the letters sent by XXXX XXXX. Unfortunately, in the XXXX of XXXX  law firms engaging in debt collection do not need a license to collect on consumer debts and can move swiftly to file suit on consumers who have no knowledge of this system. In the XXXX of XXXX, XXXX Firms ( debt XXXX ) are not regulated. This would be my XXXX time encountering an abusive, deceptive and unfair law firm ( debt collector ). XXXX law firm went straight to litigations, and did not send a notice that they were attempting to collect, depriving my right to dispute. A complaint was made on that law firm but did not go anywhere with XXXX  and on this platform. A complaint was filed through XXXX  Attorney XXXX office which advised to make a complaint to the XXXX  XXXX XXXX, also yielding negative results. Both cases are still pending.
Product: Debt collection

Account previously in dispute - investigation complete, reported by data furnisher XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX AMSHER COLLECTION SERVIC Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$680.00} past due as of XX/XX/XXXX. 
XXXX updated. 
XX/XX/XXXX Balance {$680.00} Balance updated. 
XX/XX/XXXX This is a charged of account I have made several attempts to have this debt removed from my credit report. I have Paid XXXX XXXX XXXX countless fees to have this issue resolved. 
I received several calls and voice mails from this debt collector after asking them repeatedly to stop calling... 
After multiple requests for the original documentation providing my original wet signature this debt collector has failed to comply.
Product: Mortgage

Borrower has mortgage with Wells Fargo. During pandemic was off work due to Covid. Tried to apply for Federal Program to move mortgage payments missed to end of the loan. 
Original mortgage was under XXXX married name. When applied for help, the borrower 's name had change ( XXXX divorce was done, got married again. ) Wells had the original name still on the loan, so rejected the paperwork. 
A second divorce was pending so name again was an issue. Wells is now up to date with the second married name on the loan but will not accept paperwork. 
Calls bring no resolution. There are calls, emails, letters from Wells, etc. The amounts of monthly payments are different depending on what document you look at. Escrow account appears inflated. Payments made by app are being applied, then reversed but don't know where these are. 
Mortgage payment was around {$650.00} per month. Their app says {$650.00} due each month, but documents say over {$900.00} is due each month. One document from Wells shows over {$20000.00} due now. 
It is exceptionally confusing and overwhelming to say the least. 
We have numerous documents in print, some in email if you need them. There is a borrower and a co borrower on this loan and it looks like Wells may try to foreclose XX/XX/22
Product: Debt collection

I received an email notice from XXXX XXXX on XX/XX/year> that a collections account with THE CBE GROUP INC was added to my XXXX credit report. I then checked my credit report and it said a collections was reported on XX/XX/year> through CBE Group with the original Creditor name being Charter Communication for {$2500.00}. I do not have any overdue bills, have always paid all my bills ahead and have never had accounts with Charter Communication. This is not my account. I have no idea how this got on my credit report but it is not mine. I looked on the XXXX and XXXX XXXX and did not see it on them. I have very good credit and am disputing this through XXXX. What do i do from here? I tried to contact the phone number XXXX for this CBE GROUP and it said my call could not be completed at this time.
Product: Credit card or prepaid card

XX/XX/2018 We were sent a statement on our credit account on a card issued by Chase bank. It was a XXXX XXXX card. We had not used the card in over a year and had received no statements in about 12 months. The statement received showed a balance of {$96.00} for an annual fee. Not having used the card we saw no sense in keeping it. I called Chase bank and asked them to close the account and cancel the cards, which I was told they would do. About a week later I received an acknowledgement that the account had been closed and there was still a {$96.00} balance. I wondered why I would be charged for and annual fee if I had not asked to renew in the first place. Plus I was receiving no service from Chase for that year though if they wanted a reasonable amount about for 2 or 3 weeks service, I would consider that. I day or 2 after that cancellation I received a statement showing a {$15.00} late fee on top of the {$96.00} fee that I thought in all fairness would be pro-rated. I called and spoke to someone in the credit department and asked that these fees and a reduction be considered. I received a letter from a " senior service specialist "  saying that the {$25.00} annual fee was assessed in XXXX of 2018 ( news to us as we received no correspondence ) and was considered valid. The annual fee was {$96.00} and the late fee was {$15.00} so I had no idea what {$25.00} annual fee that they they were talking about ... I had confirmed that Chase had no intention of acting in good faith so I sent them a letter denying their " fees '' as invalid.. I told them that they should pay me that fee for the time and trouble that I had taken in attempting to deal fairly with this issue. I then told them that as we had not received any goods or services from them for the time that they wanted to charge us for, that we should just call it even and I would not respond to any further claims for payments that they had in no way a right to .. I get a statement every month showing more added late fees which also went to XXXX XXXX, who has been more than accomodating to Chase by zinging our credit scores each month. I will not tolerate Chase just charging me for something that I did not ask for or receive in full.. The {$25.00} " annual fee '' mentioned by the senior service representative at Chase would have been fine with me just to get rid of them, but they wanted {$96.00} plus lates fees and it goes on and on. I have related these events as best as my recollection and paper records can substantiate. A review of any of our credit reports clearly show that we are NEVER late on any payments, NEVER have been. It's only when we are grossly mistreated and cheated that we must defend ourselves and just say " no '' to their claims ... Thanks for your patience and understanding..XXXX  & XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent off my letter requesting an investigation on XX/XX/2023 via certified mail. 

According to the FCRA the term Investigate consumer report means a consumer report or a portion thereof and which information on a consumers character, general reputation, personal characteristics, or mood 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.

These accounts state different dates and amounts being reported and is not 100 % accurate. They stated that my accounts were verified but how is that possible if they did not do a proper investigation according to the law? Also every piece of information on these accounts are still not reporting 100 % accurate as stated. According to the FRCA 15 USC 1681 everything has to be 100 % accurate or it must be deleted by law. Below are a list of inaccurate accounts containing inaccurate information. I am requesting these to be removed permanently from my credit reports ASAP. 

1. XXXX XXXX ( original creditor ) / XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Pa XXXX XXXX XXXX **Same debt also reported on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX XXXX Acct # XXXX ( last 4 ) * Multiple inaccuracies reported on this collection file. 

XXXX. XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Ny XXXX XXXX. XXXX XXXX Bank Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX
Product: Checking or savings account

on XX/XX/XXXX i filed a dispute for funds being taken out of my account in the amount of {$2200.00} in XX/XX/2021 for XXXX XXXX XXXX which i did not authorize, the bank came back with a decision that this charge was authorized due to i had a XXXX  payment sent to me for money owed to me and concluded, and assumed otherwise ( very unprofessional by the way ). There's no way this amount of money should have even been allowed to leave my account without a notification to my phone, when they block me for a simple purchase of {$5.00} asking me to deny or approve it. 

I then contacted XXXX XXXX XXXX several times after i wasn't getting anywhere i emailed the ceo and a rep contacted me and and actually attempted to help me regain funds that were takin out of my account which she seen it was a charge by a travel agency, she called them and left emails with no response back, she gave me their info and and called as well. she stressed that she couldn't retrieve funds a travel agency submitted under their business umbrella that i need to contact my bank and my bank would be be able to get the funds back. 

i emailed the ceo of bank of america about them denying my claim, and how their workers assume without doing the foot work and telling me no. I also included the voicemail transcript XXXX  left backing up their efforts to help me.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with errors resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried twice with letters to have Experian remove fraudulent names and addresses from my credit report. My legal name is XXXX XXXX XXXX, my legal address is XXXX XXXX XXXX XXXX XXXX CA XXXX, my SSN card identifies me as such. The names and addresses still on my report do not belong to me, I can not receive mail at any other address and the names listed other than my legal name could be fraudulent. It is my right under the FCRA to have correct information so my score is not impacted adversely.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$350.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX {$280.00} XXXX XXXX {$200.00} Inquires that i didnot authorize on XXXX to all except XXXX In accordance with the Fair Credit Reporting act XXXX accounts above havrle violated my rights 15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states the consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have reviewed my Consumer Reports and identified two reported late payments on an account where I have consistently made on-time payments. Consumer Reporting Agencies hold a critical role in ensuring the accuracy of reported information and are obligated to maintain Maximum Accuracy under the Fair Credit Reporting Act ( FCRA ). 

For the account ( account name : XXXX and number : XXXX ), I firmly assert that I have never been late with any payment. I request an immediate investigation and demand verification through detailed account statements proving the alleged late payments. If such proof can not be provided, I demand that these payments be corrected to reflect their accurate status as on-time.

Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

On XX/XX/2022 I notified my credit card that I had unrecognized charges on my account and filed a dispute. On XX/XX/2022 they notified me by mail that one of the charges was valid and that the provisional credit they'd issued to me had been reversed. The charge was in the amount {$610.00} for transaction XXXX which was charged on XX/XX/2022. 
I did not make this purchase but am being charged the full amount plus interest.
Product: Debt collection

I recently discovered a parked debt on my XXXX credit report from EASTERN ACCOUNT SYSTEM. This is extremely embarrassing and concerning. No original creditor is listed, making me question the legitimacy of this debt. EASTERN ACCOUNT SYSTEM does not have my authorization to share my personal information. 

I will not be paying this alleged debt unless you provide a bill of sale, assignment, or any other agreement between you and the original creditor that proves your authorization to collect on this debt. I have reason to believe you are attempting to extort me by punishing me for non-payment on an extension of credit. Please be aware that under 18 USC 894, it is a crime to collect or attempt to collect by punishing a person for non-payment. 

Your actions have damaged my creditworthiness, causing me to be denied other extensions of credit that I am entitled to. You do not have my consent for these actions. If you claim to be the creditor, you will be held liable under TILA for any violations. Additionally, you are in violation of the FDCPA for harassment and for furnishing false and misleading information to third parties without my consent. Under the GrammLeachBliley Act, you must have my permission to share my financial information with a third party, which you do not have. Furthermore, under 15 USC 1681b, you must have a permissible purpose to obtain and use my credit report, which you have failed to establish. 

This message serve as formal notice that I will not be paying this debt and I demand that you cease and desist all collection efforts through all mediums, including credit repo
Product: Credit card

My name is XXXX XXXX I am keeping reporting my this issues over and over to yall for years and months and ages and no resolve still yet I didnt open a account with yall everything time I dispute the account account with yall and yall say I open the account when I never did I never authorized a account with yall or sign no paperwork or did a signature with yall to open a account and to get a card with yall or did business with one yall service or vendor my picture id was lost and stolen and used for yall and and ssn was used and I never did a hand signature with yall or yall service or vendor or a electronic one online or by device with yall or service or vendor my informations was stolen and lost and used without my permission and my first name dont match on yall record it is XXXX not XXXX and account information is XXXX XXXX XXXX XXXX Pennsylvania XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania XXXX and credit card account number ending in XXXX dispute need to be reopen or investigative or reinvestigated or make into a new dispute for yall to investigate again and for any other accounts y'all open for no reason need to be disputed as unauthorized and fraudulent and charges disputes to {$0.00} because I am not responsible for this accounts and charges and dont open no new accounts for me when I didnt request it when I just report this issue as fraudulent unauthorized account open in my name without my permission and I want this to be favored in my end this is the last time I report this to yall I am tried of contacting yall about this and yall aint helping me next step I will take yall to XXXX XXXX XXXX and then take yall to court for a lawsuit if I have to after XXXX XXXX XXXX if yall dont favor this in my end etc Update I need yall to investigate this because yall decision in XXXX XXXX isnt truth I never open a account with yall and the name dont match on my picture id and this is fraudulent please reopen the investigation and investigate again etc Update this account Account ending in XXXX needs to be closed too as fraudulent open I never open and investigate and dispute as unauthorized and fraudulent and dispute the balance I am not responsible for for {$13.00} and waive it to {$0.00} and fully close the account out and stop opening new accounts up for me under new account numbers I didn't authorize for a account look at the attached below etc. 


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Product: Checking or savings account

I called TD Bank where the account was fraudulently opened at and told that they would be immediately freezing the accounts.