23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear sir/madam, as I was going through my credit report on XXXX and XXXX few months ago, then I noticed a negative report on my credit. The negative report was from a Company called SWISS COLONY ASHRO and Another company called XXXX XXXX XXXX. Any time I dispute the accounts, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with SWISS COLONY ASHRO and XXXX XXXX, Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with SWISS COLONY ASHRO or any of it affiliates. 
I am requesting that SWISS COLONY ASHRO and XXXX XXXX or any of their affiliates should remove such negative and false statement from my credit report THIS COMPANIES ARE AFRAUDULENT COMPANIES, first they came up with the name XXXX XXXX account number XXXX on my credit report. after so many dispute I submitted against the account, I was forced to pay dept in the sum of {$45.00}. The dept I did not own, the dept that does not have my name on it. 
After that they came up with another name SWISS COLONY ASHRO with same account number XXXX stating that I was owing them. This is fraud I do n't own this companies any money and I never had any transaction with them I do n't even know the kind of business they do. They have to pay me back the XXXX dollars they fraudulently took from me. 

Dear sir/madamI want your office to go through my credit report to verify my statement. my credit report has so many names I do n't know where they came from. I contacted XXXX AND XXXX REGARDING THIS MATTER, all they said was that they can not remove those name because some companies like XXXX and SWISS COLONY ASHRO reported some account to my credit report with the names. 
I want your office to investigate this matter because any time I dispute these XXXX companies that has XXXX account number XXXX and XXXX kept saying the investigation stated that the account was mine. 

THIS IS FALSE INVESTIGATIONin the year 2013 when I wanted to open online account with XXXX, the man who spoke to me from XXXX told me that someone already opened the online accountwith my social security which I have no knowledge of who that was. Then the XXXX representative later cleared it off and created a new account for me. I want your office to investigate all these because I have filed so many compliant regarding the information on my credit report and most of the company claim they investigated the case which I knew all their so called investigations was not done right.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX  XXXX Balance Owed : {$7100.00} ; XXXX XXXX XXXX Balance Owed : {$6200.00}.
Product: Credit reporting or other personal consumer reports

I have tried to update my home address with Experian for over XXXX  months. I have filed many many many requests for updates, lost HOURS of time waiting on hold or talking to people within Experian. Nothing works. No one addresses my problem. No one fixes anything. Therefore, my credit score can not be updated, nor is it actually correct because it is not pulling the right information. This means I am not getting the best rates and offerings around loans, mortgages, etc. 

I do not know what else to do.
Product: Prepaid card

This is regarding CFPB complaint numbers ; XXXX, XXXX, XXXX, and XXXX. I filed my first complaint on XX/XX/XXXX, I received a call from an XXXX XXXX ( he said he was the resolution manager ), he left his number and stated he was my point of contact. On XX/XX/XXXX my complaint was closed and on the complaint portal it stated " The company sent it's response directly to you and provided a copy to CFPB. To protect consumer privacy, the CFPB has not included the company 's response in the consumer portal. You can contact the company directly with any questions. '' I waited and waited for their response to come in the mail, but it never did. So, I looked up my complaint on the CFPB database and found out that it was " closed with monetary relief. '' In early XXXX XXXX I reached out to XXXX XXXX and he told me that he couldn't discuss the resolution with me because his computer system didn't allow him to authenticate me. I asked what I could do to correct the problem and get authenticated and he didn't have an answer. I then explained that I never received their resolution or any monetary relief, he said well all I can say is keep your contact info up to date because I sent it to you. My info is still the same!!!! I am homeless and this is my mailing address that hasn't changed! I told him this and asked if my mail was stolen and the " monetary relief '' was I just supposed to let it go since he can't authenticate me?! He offered no solution, I asked for his supervisor and he said they can't authenticate you either. I don't know what I am supposed to do. I called the regular bank of america prepaid card services ; I was put on hold for ten mins, then she came back on and asked if I worked for Bank of America in any capacity, I said no and I was put back on hold. When she finally came back on she said she didn't see a complaint or resolution. I'm still confused as to why XXXX couldn't talked to me but had left me a message on two different occasions; had I called him back was he just going to tell me he couldn't talk to me?

This is my 5th complaint, three of the previous complaints state " closed with monetary relief '' NOT TRUE and the fourth states " closed with explanation '' and still untrue
Product: Debt collection

I requested a validation of debt and record of original company. I did not receive either. I do not have no knowledge of SNAPSHOT of this company that is currently online with this debt they are trying to say I owe
Product: Vehicle loan or lease

I financed a car loan at my local car dealer. My source of funds were my XXXX XXXX Compensation and money/inheritance I receive from my mother. M & T Bank has XXXX  profiled me. Closed my account due to a defamatory comment by XXXX against me. and Were talking to me about the XXXX XXXX XXXX. They also told me they would take action which to me meant they are working with Police on criminal charges. I will say its hard being a XXXX in America and I can not accept this inequitable treatment anymore. Consumer Finance Protection Bureau of Washington DC you are complacent. I have no accessibility to the car loan I have. M & T Bank even claims they are enforcing a generic Virginia law contract. Its so weird how banks believe they can oppress you- and you know they can because this has caused substantial damages that was overly burdensome more than most men can bear. 

I disputed the interest charges from he last time I had accessibility to present time but my dispute has not been processed or responded to in writing. Today I paid {$880.00} on a car loan that I have no access to the loan number or what was charged and for what. I dont know interest rates interest charges per diems or anything since I am a XXXX in America . I just want to let you know that it is my Goal to have a Jury of my peers see the systematic XXXX XXXX XXXX  for XXXX in the Financial System. This one is a little different though- this one is a liability, a loan, an obligation. What a sad state of affairs. We are in. CFPB ask them how many hours I had to be damaged to deal with this. This is a recurring problem of XXXX XXXX XXXX XXXX from the FInance System that has caused consequential damages to self which could be described as overly burdensome by the average person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Atfer reviewing my credit report, I noticed that I have several inquiries on my credit report that I am not aware of that may be affecting my credit. XXXX XXXX XXXX XX/XX/2022, 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: Mortgage

M & T bank holds the mortgage loan on my property. It had been in foreclosure several times over the past year due to my personal and financial hardships. I have been trying to work with bank for loan modification which has been approved; however attorneys representing mortgage company have been allowing realtors to show my home as if its for sale prior to a mortgage foreclosure sale when the home has not has Not been for clothes on the foreclosure sale has never taken place. 

This is still my private property and no one has a right to come on my private property and allow realtors to show my home when I own this property and no sale has taken place. I dont even know how they have access to my home who has a key who is allowing us to happen. No one has told me anything as to why this is taking place.
Product: Mortgage

we have been trying to save our home for quite awhile now. They are always missing paperwork, when I filled it all in, faxed it and fedexed it. I have been through at least XXXX or more account managers. it seems that as soon as things look close for a better payment they change our account manager. We are frustrated! now our home is in foreclosure wit a law date of XXXX XXXX and they still are doing the same thing with the paper work. We 've worked hard to upkeep our home. They were suppose to get back to us with a rate that is XXXX our income. We are dealing with family health issues that are being resolved which will add to our income. We are frustrated and do n't know where to turn. We can not afford an attorney at this time and they know this. What can you do?
Product: Mortgage

My husband and I are trying to get the mortgage company to endorse and return our insurance claim check on damage that was done on the roof and interior of our house. I faxed them the invoices on repair and payments made to the contractors. They said that unless they get invoices showing that everything has been paid in full they will not release the check. They keep changing requirements for us to get the check back every time we talk with them. I have one invoice that still shows {$2500.00} owed to XXXX XXXX with XXXX XXXX XXXX XXXX ( XXXX ) XXXX. We paid him but never got a receipt stating paid in full. I have been unable to get an invoice showing paid in full. Where I am confused is the insurance check is supposed to be what pays the contractor. If the mortgage company is holding the insurance check hostage how are individuals supposed to pay their contractors? I am sure that not all individuals have money in their savings to pay large sums of money owed to their contractors. I have suggested that Loancare call the contractor if they doubt payment was made. I just would like to get reimbursed for what we took out of our savings account to pay both our contractors on amounts not paid by the insurance company and from the check Loancare in holding and will not give to us in the amount of approximately {$3600.00}. We only owe a little over {$100000.00} on our loan. The house is valued at over {$400000.00}. We have never missed or been late on a payment. This is very frustrating. We have gone through 2 house inspections to verify work was completed ( 95 % ). Work that was not completed was some minor repairs that was not reimbursed by our insurance company. We plan on doing those repairs on our own dime this summer. XXXX determined that what our contractor was charging was over what they thought the work should have cost. Loan # is XXXX with XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX ( XXXX ) XXXX You have permission to share our experience as long as our personal info is removed so we do not have a problem with identity theft.
Product: Credit card or prepaid card

I have paid this account in full and my credit report still has negative marks on it. I was supposed to pay this debt and it was supposed to be removed from my account
Product: Debt collection

i received numerous calls today from a " XXXX XXXX collection agency '' today XX/XX/XXXX, several calls throughout the day They stated that I owe an outstanding debt from XXXX or XXXX. That I had made payments from XXXX through XXXX every month faithfully then this debt supposedly went on my credit report in XXXX - XXXX because I had stopped paying the alleged debt. THEN the girl I spoke to began threatening me with wage garnishment and vehicle seizures if I didn't pay this debt. She said I had until XXXX XXXX tonight to make arrangements. Either half of the debt which was {$1500.00} or $ XXXX monthly until it is paid in full. I had a chase account but it was closed in XXXX IN GOOD STANDING. This supposed debt has never been on my credit report. My concern is they have all my personal information and even told me which vehicles I drive and that they would seize them because of this debt. They also called my wife and threatened to garnish my wages and/or seize my vehicle.
Product: Mortgage

I was scammed by Core Advisory Group called them back in XX/XX/XXXX when I received their mail advertisement stating I can get help with stopping my foreclosure sale which was scheduled for XX/XX/XXXX. The advertisement is all bunch of lies, telling me I can get a lower monthly payment, interest rates at 2 % and I was a eligible to be a plaintiff to file a lawsuit against my lender and plus their XXXX program can stop any foreclosure process. They are full of XXXX and nothing but thieves that did nothing for me but lie and stole my money. I signed up with this company on XX/XX/XXXX. They sent out a notary person to have me sign their documents and collect my money. After I paid this company a total of {$3600.00}, my house was immediately sold and they did not do what they said they would do to save my house and I want my money back. This is a complete scam. Around XX/XX/XXXX, I tried to ask for my refund but they make me go through their reconciliation process and fill out more paperwork just for my money back and they did n't even responded back with a refund offer until XX/XX/XXXX almost 5 months waiting for an answer just for them to tell me they are only giving me back {$720.00}. These crooks should be locked away for doing this to people. They did not do what they said they would do and that 's to stop my auction from happening to my house and get me a loan modification approval. This company also tried to get me to file for bankruptcy which I do not understand why would I pay them {$3600.00} for nothing when I could had used that money to hire a real lawyer? I feel they do not deserve a penny and I want them to return the rest of the money that I paid them {$2800.00} plus notary fees of {$120.00} so the total {$3000.00}.
Product: Checking or savings account

On XXXX I wired {$470.00} via XXXX from my Chase bank account/debit card to a seller who was selling me concert tickets. I never received it and it was a scam. I opened a dispute on XX/XX/XXXX the next day with Chase about it. They temporarily credited the money back to my account. A couple of days later, I think on the XXXX, I called their fraudulent claims department and told them about the whole situation, including the fact that I never received the item and it was a scam. On XX/XX/XXXX, they closed the investigation, saying because I authorized it, it is valid. But it was a scam, I want to get my money back.
Product: Credit card

I am filing a formal complaint against Best BuyXXXX Bank regarding the closure of my credit account in good standing without cause or prior notice. I believe this action is unfair and potentially in violation of the Fair Credit Reporting Act ( FCRA ). 

Details of the Issue : In 2023, Best BuyXXXX Bank closed my credit account without providing any reason. At the time of closure : The account was in good standing with no history of late payments. 
The balance had recently been paid off in full, resulting in a XXXX balance. 
I did not receive any prior notification or explanation for this closure. This action has negatively impacted my credit utilization ratio and overall credit score, despite my responsible credit usage. 

Upon contacting XXXX Bank, I was not given a satisfactory explanation or resolution for the closure of this account. 

Relevant Legal Basis : Under the Fair Credit Reporting Act ( FCRA ), the following sections are particularly relevant : 15 U.S.C. XXXXm ( a ) : Notice of Adverse Action " If any person takes any adverse action with respect to any consumer that is based in whole or in part on any information contained in a consumer report, the person shall ... provide oral, written, or electronic notice of the adverse action to the consumer. '' Closing my account without notice or a valid reason constitutes an adverse action, impacting my credit score and financial standing. XXXX Bank failed to provide me with the required adverse action notice explaining why my account was closed. 

Equal Credit Opportunity Act ( ECOA ) 15 U.S.C. XXXX ( d ) ( XXXX ) " Each applicant against whom adverse action is taken shall be entitled to a statement of reasons for such action from the creditor. '' As a creditor, XXXX Bank is required to provide a reason for taking adverse action, including closing a credit account in good standing.
Product: Money transfer, virtual currency, or money service

I'm trying to get into stock using XXXX, but PNC doesnt allow me to link my account with XXXX.
Product: Debt collection

In XX/XX/XXXX I received a notice that I owed a debt on a utility bill. It was not in my name, but a botched version of my name, so I ignored it. I called the utility company and they said they had no record of it. 

In XX/XX/XXXX, I received notice on my credit report that this same company. Assett Acceptance of Michigan filed for a wage garnishment in XX/XX/XXXX and won it. They took my State income tax refund in XX/XX/XXXX. Still never giving me proof of this debt or showing me an original bill. They are a scavenger debt collector. 

They are using variations of my name. XXXX is my maiden name from XX/XX/XXXX, which I have not used since then. XXXX was my married name which I stopped using in XX/XX/XXXX. I repeatedly ask them to cease and desist but they continue to harass me for something they refuse to prove was valid. 

Can you help?
Product: Debt collection

To whom it concerns, I had a credit card with Capital One the balanced closed at {$1900.00} XXXX XXXX, XXXX .... XXXX XXXX XXXX. Picked up the debt. Affidavit of service served XXXX/XXXX/XXXX I did not get served this Affidavit. As a result a judgement was entered with out me knowing XXXX/XXXX/XXXX for {$3900.00} ... XXXX XXXX, XXXX {$2600.00} was stolen out of my account from XXXX XXXX XXXX. this account was for my VA Benefits from my military XXXX. Both the taking out of all my money from my account to the taking my VA Benefits money was wrong and illegal. Then they are saying i still owe {$1900.00} a total of {$4600.00}?? Last for over a year they did not report to the credit bureau 's XXXX that they had stole my VA benefit money/ which caused damage to my credit.
Product: Credit reporting or other personal consumer reports

I hope this complaint finds you well. I have disputed this account numerous times and every time TransUnion and XXXX XXXX falsely verifies the alleged account. I have sent multiple letters expressing that they have violated my HIPPA rights. I am allowed under the Health Insurance Portability and Accountability Act ( HIPPA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that HIPPA does allow the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore my request was two-fold validation of debt and HIPPA authorization. I demanded they provide me with a breakdown of fees including any collection costs and medical charges, provide a copy of my signature with the provider of service to release my medical information to you, and cease any credit bureau reporting until the debt has been validated by me.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Product: Checking or savings account

I found multiple unauthorized transactions on my Wells Fargo bank account, I reached out to the bank immediately to have this resolved. Instead of having these resolved. They denied my disputes and closed my account and now I am not able to open a new account with them. Because of this I am missing over {$6000.00} and have not been able to recover these funds or open a new back account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry from Barclays bank on XX/XX/2018 but I haven't applied for any credit cards or loans with this company. I already contact the credit bureaus and placed a fraud alert on my credit report. Please remove this fraudulent hard inquiry from my credit report.