23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

AmeriHome Mortgage has our business phone number in their phone database for an unknown employee. We receive multiple robocalls from AmeriHome with an automated message to call a phone number. I have called the phone number, worked my way through their system, talked with multiple people, and still the calls continue. I have emailed AmeriHome Mortgage and told them to remove our company phone numbers from their database but still the calls continue. We need these calls to stop.
Product: Mortgage

I closed on my house in late XX/XX/XXXX - ditech owes me over 1300 andstill has not paid me as ofXX/XX/XXXX.  First I was told they sent the check to the house I sold. Then I was told they needed to investigate.  Then I was told I has to wait another 10 days so they could cut another check.  Last week I was told by the manager XXXX  ext#XXXX the check was in the mail- still no check all I received was a letter saying they were looking into the matter.  I have already reported this company to XXXX and need someone to look into this - I think there is a law that they only had 30 days- next I will speak with my attorney about legal action against this company.
Product: Debt collection

I cant remember the exact date and times. however, I attempted to make arrangements, but was not successful. I had a change/decrease in income and they would not accept a sufficient affordable payment.
Product: Checking or savings account

on XXXX  we found out on our bank/checking acct got fraudulent ACH transferred of XXXX  Right afterward, we noticed it is fraudulent, we call the bank to freeze the account, and submit a claim. There were two others fraudulent attempts later on but thankfully the account is frozen. The next date XX/XX/XXXX the acct got charged XXXX dollars and XXXX  it was attempting to charge XXXX. We got all the funds back from XXXX and XXXX. However the first fraudulent Ach of XXXX was still under investigation according to bank. I submitted everything they needed and police report. I am having no luck on bank of America replying back to me. XXXX is not a small amount of money and I need the fund for my business to operate. Please help thanks. I felt like this is inadequate for a big corporation especially a bank we all trusted. The only response I got back from Bank of America is that to go look for XXXX. I tried approach XXXX, XXXX  indicated that they cant help me since it is initated through bank of america. My lawyer have emailed a letter to the bank of america indicating proof of point of contact and transfer, no response. My main concern is first why Bank of America never texted or call indicated alert of transfer. Second online it indicates that usually more than XXXX it will be block, the amount exceed XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several hard inquiries that have appeared on my credit report, as I did not authorize them. These inquiries were made without my permission, and I believe they are incorrect or fraudulent. I request that you immediately investigate and remove these unauthorized inquiries from my credit report to ensure the accuracy of my credit information. Unauthorized inquiries can negatively impact my credit score, and I expect prompt action to rectify this matter. Please confirm the removal of these inquiries and provide me with an updated copy of my credit report once the issue has been resolved. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we are required to delete any incorrect accounts from my credit report. Could you please verify the documents? Some accounts have inaccuracies in their reporting, amounts, and dates.
Product: Debt collection

The charges from the rental company are fraudulent. I moved out in XXXX of XXXX and never asked for a return of my deposit. My Lease was up in XXXX, but I was able to break it legally because living conditions were unsafe. They tried to charge me for XXXX, XXXX, and for the rest of my tenancy, for electricity and gas, which I never paid to the property and always directly to the utilities companies and for a additional painting and cleaning fees on top of my rental deposit when I left the unit undamaged. My lawyer called them to dispute and they said they would drop the charges. In XX/XX/XXXX I saw a massive hit to my credit and received a letter from a collections agency to collect this debt that was supposed to be removed. There was never another bill or communication from the rental company, they just sold a debt that was wrongfully charged, after agreeing it was wrongful.
Product: Debt collection

XX/XX/2019 ARstrat trying to collect the debt not mine. With a initial dispute, explained the debt is not mine and ARstrat responded that the information is accurate. Debt is belong to a minor of friend who visited my town. Debtor is not related to me or family member.
Product: Credit reporting or other personal consumer reports

" I am writing to dispute accounts on my credit report that were made without my consent. According to section 604 of the FAIR CREDIT REPORT to section ( XXXX XXXX XXXX XXXX  ), there are specific permissible purposes for obtaining a credit report. I did not authorize these accounts and can not find any permissible purpose under this section that justifies their presence on my credit report. PLEASE DELETE ACCOUNTS XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX AND XXXX XXXX XXXX # XXXX. ''
Product: Checking or savings account

Continuous monthly occurence. My work sends direct deposit information to the banking entiry days before payday. Now moneylion advertises that it will pay you two days early for aetting up direct deposit. However, this has only happened two times for the last six months. I used to bank with XXXX and always received my paycheck two days early as advertised. This bank does not honor what they advertise which has caused me to have late fees for bills. As im going with what is being sold to me. Part of the reason i switched banks in the first place. Was their Banking features. Their XXXX feature is also misleading and falsley advertised even when paying a XXXX $ a month membership fee to use that particular service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX XXXXXXXX
Product: Debt collection

Hello, XXXX XXXX  card by Continental finance is trying to make me pay {$590.00} after closing my account against my will and then reopening it after attempting to enroll in XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX Their terms and conditions state that I do not have to pay an annual fee and interest will not be billed to my account. However, this debt continues to accumulate and Ive made several daily effort and attempts to reconcile this dispute.
Product: Credit card

Dear Synchrony Bank Customer Service Team, I am reaching out regarding a 30-day late payment reported on my Synchrony Bank / American Eagle XXXX account in XX/XX/year>. I was surprised to discover this on my credit report, as I dont recall applying for credit with your store when I made a purchase. I believed I had completed the transaction using my debit card, and as of today, I have not received either a statement or a physical card. 

Since I never received a statement at my home, I was unaware of any outstanding balance. This has led to an unfortunate situation, as I strive to maintain my accounts in good standing and did not intend for a payment to be missed. 

Given the circumstances, I respectfully request that you consider removing this late payment from my credit report as a one-time goodwill gesture. I value my relationship with Synchrony Bank and am eager to continue it positively. Additionally, I would appreciate a refund of any late fees that may have been assessed due to this unforeseen situation. 

Thank you for your time and consideration in helping me resolve this matter. I look forward to your understanding and assistance. 

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

I have been disputing derogatory public record that is on my credit. On XX/XX/XXXX I opened a dispute report # XXXX with XXXX, Equifax and XXXX. Also XX/XX/XXXX report # XXXX as well as XX/XX/XXXX report # XXXX. I never received an update for report # XXXX.When i got the results for report # XXXX it stated " The company that reported the information has certified to XXXX  that the information is accurate.This item was not changed as a result of our processing of your dispute. The company that reported this derogatory public record is XXXX XXXX.I then requested proof of verification from XXXX, Equifax and XXXX  and was told that they don't have to disclose there proof of verification with me. After so many countless attempts the last one being on XX/XX/XXXX i have not received an information or status dealing with this last attempt to resolve this derogatory public record. Please assist me with this issue.
Product: Checking or savings account

On XX/XX/2018 I went to Wells Fargo Bank in XXXX, NJ to make a cash deposit into my son 's account for XXXX. My name is not on his account, although we do have the same last name. The deposit amount was under XXXX XXXX dollars. 

I was told that Wells Fargo does not allow cash deposits unless it's your own account. 

How is this legal? I understand that Wells Fargo has violated many banking laws in the past, and it seems they haven't stopped.
Product: Credit reporting or other personal consumer reports

i filed bankruptcy in XXXX and it was dismissed never went to court filed and never finished it was closed in XXXX they never removed it from my credit report and I have been denied so much stuff because of it still on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, This has been an on going battle which was resolved when I originally filed a complaint against XXXX XXXX XXXX for an XXXX account that they alleged I owed them {$1800.00}. I filed a complaint thru your agency and these are the case number provided and the end result was all 3 credit bureaus deleted the derogatory remark on my credit report. The file number is XXXX, XXXX, and XXXX. I was satisfied with the outcome however I get another credit alert that my credit report was flagged by another debt collection agency for the same exact XXXX account. The name of that debt collection agency is called XXXX XXXX XXXX. How is it possible that one minute it was resolved and another minute another debt collection agency flagging my credit file for the same exact mobile carrier account? I would like your agency to review the file complaint listed above and please notify this new debt collection of this matter and to delete immediately from my credit file. Thank you.
Product: Debt collection

I have received multiple calls every day even after explaining I'd pay every two weeks. They called me at XXXX XXXX on XX/XX/24 from a no caller ID. Employee number XXXX
Product: Credit card

We sign up for a free 30 trial service with XXXX. We do n't like it so we cancel within the prescribed period. XXXX sends monthly charges to my credit card anyway. 

XXXX says they wo n't talk to me because I ca n't recite the E-mail address I used to create the account. Although I can recite everything else ( cc #, Address, etc. ). The credit card company says there is nothing they can do because I have a legal agreement with XXXX. 

So, now I wonder what you guys have been doing for the past decade? I ca n't be the first with this problem. My complaint is against YOU. YOU have done nothing to protect consumers against these corporate giants?
Product: Debt collection

On multiple occasions I have asked the debt collector to send me the informations about the debt because I never received anything about this. I was made aware of this alleged debt when it showed up on my credit report. I called and asked them on two separate occasions ( first week of XXXX and again in XXXX ) to send me the bills, breakdowns, and all pertinent info in order to confirm the debt is mine. They have not sent anything, I put a dispute twice through the credit monitoring system and both times they said that the info was confirmed. How do they confirm the info with the credit reporting agencies and are as of yet to confirm the debt and Info with me directly?
Product: Credit reporting or other personal consumer reports

I am formally disputing the following items on my credit report, which I strongly believe are inaccurate due to a possible data breach : XXXX XXXX XXXX - XXXX - {$11000.00} I have taken all the necessary stepssubmitting supporting documents and following up persistentlybut the errors remain unresolved. These inaccuracies have negatively impacted my finances and caused me undue stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is free of incorrect or unverifiable information. I am requesting a full investigation into these issues and expect them to be corrected without further delay. Please ensure this is addressed as soon as possible.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX  to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$9100.00} ; XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX Balance : {$19000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$1200.00} ; XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint because equifax has completely ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts. under section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified ''. That I have disputed. Please resolve this matter as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies are furnishing information that they should not and they do not have consent to do for these alleged debts. I've asked them to validate date the debt and they have failed to. Their violation of my rights as a consumer fall under 18 USC 1028A-Aggravated Identity Theft. It states the following : ( a ) Offenses.

( 1 ) In general.

Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

To add insult to injury, they have no permissible purpose pursuant to 15 USC 1681b - Permissible purposes of consumer reports- ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give written instructions? I did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

1. XXXX charged my DirectExpress account for {$99.00} XXXX XXXX, XXXX and when I complained, XXXX promised a refund and said refunded. Then they recharged card again on XXXX XXXX, XXXX. I tried to do a dispute with Direct Express and could get no help. They just canceled the card and mailing a new card but not fixing the problem. Direct Express says they are open 24/7 but consumers get nobody to help.

Tried to dispute 2 transactions and nobody answered when Direct Express cancel3d and ordered new card 2. XXXX XXXX XXXX sold a policy over the phone to me in XXXX XXXX. I am XXXX and deaf on phone. They charged me on Direct Express a monthly bill of XXXX which I immediately tried to cancel with XXXX XXXX XXXX and Direct Express. I am being billed again by both Direct Express monthly and can not stop it because nobody from Direct Express is accessible to dispute and XXXX XXXX XXXX is inaccessible. I am on XXXX, XXXX, XXXX State of Colorado long-term XXXX and can not afford private life insurance. I was confused by the agent, did not understand because of my deafness. This billing from XXXX XXXX XXXX needs to stop and a refund issued regarding a policy number XXXX immediately to me based upon XXXX XXXX XXXX defrauding an XXXX XXXX XXXX female. 
Thank you
Product: Debt collection

Debt was handed over to a law firm and the account shows closed on my credit report. When trying to obtain a new vehicle at a dealer they are showing to credit bureau that the account is open.
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 and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX Date Opened : XX/XX/2021 Balance : {$390.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are too many inaccuracies in my report and i have filed disputes with EXPERIAN on the dates below EXPERIAN. 
- 1st Letter XX/XX/2022 It is over 90 Days i still do not have a response or report of investigation, that is if they did any. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.
Product: Credit reporting or other personal consumer reports

During XXXX I missed payments during a time that my grandmother was XXXX and needed my attention. I paid off all the late fees and was still charged interest afterwards and late fees until it accumulated to {$62.00} in the month of XXXX, payment as per my XXXX statement. I paid Commenity Bank through my checking account in XX/XX/XXXX as per my bank statement. I just checked my credit report and they are reporting that I missed that payment and owe them {$10.00}. I called their customer service and they rep says she can't do anything about it but to wait. They won't stop charging me and they are tanking my credit report which before this whole incident used to be in the high 700s. My concern is that no matter how many times I pay them, they will continue to report delinquency.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent by certified mail a letter of dispute and all documents to disoute Name, address, and empolyer to XXXX and Experian because they were incorrect. I have specified in previous statements and submitted documentation before that I have only one name that I go by due to the several breaches and names used against me that were not mine. 
I received letter stating that my information was out of date and they were all current bills. I have not been able to speak to anyone from experian as if they have me on a blocked list to speak to someone in the dispute department my options are limited and when I say speak to someone in dispute department the phone hangs up. This happened to me last year along with experian locking and blocking me from my own account in which I had to get CFPB involved and all of sudden my account was unblocked.
Product: Bank account or service

I have contacted chase Bank in regards to a Loan the have reported on my credit report. I had a previous case and they sent a letter with some information but it does n't give information as too what happen to the account balance. They said it was a CD, I did not have a CD It was a secured loan from my savings acct. There should not be a balance left. The person I spoke with XXXX, asked me for information on the loan and any paperwork I may have. They need to remove this from my credit report. I believe a cover up is trying to take place. Please assist in getting to the bottom of this issue. The previous case number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX, XXXX, AND XXXX ARE IN VIOLATION OF violates 1681e ( b ) FCRA FOR REPORTING FRAUDULENT ACCOUNT INFORMATION : XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$970.00} Status Account charged off. {$970.00} written off. {$970.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1200.00} Status Account charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$15000.00} Status Account charged off. {$15000.00} written off. {$15000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$120.00} Status Account charged off. {$120.00} written off. {$120.00} past due as of XX/XX/XXXX.