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

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.
Product: Checking or savings account

I was utilizing my Bethpage Federal Credit Union account to pay my XXXX XXXX XXXX for XXXX XXXX XXXX, XXXX XXXX. Loan # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. 

My mortgage payment was rejected and no explanation provided about this transaction, see pic. Not only did this transaction get rejected, other bill payments I made went to the wrong parties. It seemed that my account was being manipulated to cause me to pay fees by redirection and transaction disruption which was out of my control. I would like the technological explanation of what Bethpage and XXXX XXXX were doing in this transaction by their programming? 

In addition, Bethpage Federal Credit Union did a soft inquiry during my ongoing security freeze on my XXXX Credit Report in 2023? I have not applied for any loan or credit directly with Bethpage and do not want to do business with them ever again after my account bill payment disruptions. By what authority did Bethpage get permission to violate the FCRA to go into my financial affairs without my consent or permission?
Product: Debt collection

Around the beginning of XX/XX/2019 at about XXXX when i got home off work. My son in bed and as im about to lay down also i get a knock at my door. A random man asking to enter my unit claiming to be the maintenance that lives under me and my shower was leaking in to his unti. He stated i needed to open my door at XXXX pm at night to look at my shower to fix what was wrong. I absolutely refused because he couldn't identify himself, i didnt even run the shower to leak in to his apartment, and it was XXXX at night. Due to this indecent they are claiming i was late and tried to charge me for damages
Product: Debt collection

Diversified Adjustment Service, Inc sent electronic notification of a debt that I sent a debt validation request requesting information on the alleged debt including a request of the original contract with my signature. I also informed them to cease and desist contacting my numbers. They have continued to contact me via email and by phone calls. I have again requested the representative to cease and desist contacting me and she hung up on me without verifying the cease and desist would be confirmed. Additionally they have failed to send 100 % verifiable and 100 % accurate information of any contracts with my signatures on it to confirm that the debt is valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint against XXXX. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I 've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 
For one, I have requested re-investigation and verification of items which they are reporting in my file. They claim to have verified these accounts but it 's all electronic and therefore, they never even speak with anyone to conduct a reasonable investigation as mandated by law. 

For two, there are three accounts, in particular which they just refuse to investigate ( XXXX XXXX, XXXX XXXX XXXX XXXX ), yet  they turn around and tell me that these accounts were verified by the Creditor. However, I 've contacted the creditors and they have no record of a dispute verification request from this or any other agency regarding an account for me. 

For three, I 've actually disputed with XXXX XXXX several timesdirectly who simply refuses to validate the debt they claim I owe as requested per the FDCPA. I 'm even in dispute with them via the Better Business Bureau. And I 've sent every piece of proof that both XXXX  and XXXXcould possibly need to correct this erroneous information on my credit report yet they refuse to do so. 

That being said, I feel as though I am being fraudulently attacked by these credit reporting agencies and I also feel as though they are supporting the reporting of erroneous information on my credit files becausethey continue to report erroneousaccounts on my credit report that should not be there and refusing to adhere to my rights of a reasonable re-investigation and proper verification of this account. Not to mention the fact that they 're simply ignoring theproof that I 've sent them.
Product: Credit card or prepaid card

In XX/XX/XXXX Four charges were charged to my Chase Southwest Rapid Rewards Card. Chase notified me via email of possible fraudulent activity on my card. In speaking with Chase I confirmed these were fraudulent charges, my account was immediately closed and new card sent. The 4 fraud charges were removed from my card. I noticed on Monday XX/XX/XXXX that 2 of the charges reappeared again showing these purchases were made on XX/XX/XXXX! Again I notified Chase these are fraud charges and I want them removed! Chase stated that their fraud claims department said these were in fact MY charges! One charge is for XXXXXXXX XXXX XXXX for {$62.00} and the other is for XXXXXXXX XXXX XXXXXXXX for {$52.00}. I haven't eaten XXXX XXXX  in over a year and I am NOT a member of XXXX XXXX XXXX!! So far these 2 charges are still on my current statement and have not been removed.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my CB/VICSCRT - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Debt collection

On XX/XX/XXXX, I received a phone call from this company. I spoke to a person who represented herself as a supervisor. Her voicemail says her name is XXXX. Another agent referred to her as Ms. XXXX, I believe. She recited my name, birth date, and even social security number correctly. She purported to be looking for my address or place of business for the purpose of service of process regarding a complaint made to their company by another company ( XXXX XXXX XXXX ) regarding alleged loans from XX/XX/XXXX and XX/XX/XXXX. 

I refused to provide any additional information. However, I told them that I made no such transactions and that I suspected identity theft. I also asked for the contact information of the attorney or law firm handling the matter, so that I might contact them to resolve the issue. I was informed that there is currently no attorney involved. That their company refers cases to various unspecified attorneys. I asked to have them provide me the name of the firm or attorney to whom they refer the case when they do so. They refused to provide any information. When I told them that I am a licensed California attorney, they asked for my bar number. I told them that it is a matter of public record and that they can contact the state bar or look it up online. 

I asked Ms. XXXX whether the company is registered to do business in California. She stated that it is. However, I have not located any registration for this company with the California Secretary of State.
Product: Student loan

This is the most stressful company regarding student loans. I have tried to reason with this company within the past 7 plus years. I have gotten NOWHERE!!!!!!! Not only are they rude, arrogant and condescending, they do not want to help you at all. I have done substantially amount of financial statements regarding my outstanding private loans. I have made payments, entered multiple programs. Nothing works. The latest incident is the fact that I am trying to lower my monthly payment and my only option was by a minimal {$47.00} dollars!!!!!! At one point an agent even asked me " How can you afford your loans? '' after she did a financial statement on me. When I try to speak to one representative, my account is either not noted or they just do not give a XXXX. I am constantly being transferred to other representatives and when I ask to speak to a " manager '', they often tell me the same thing the representative has told me, and that they simply can not help me. Not to mention the amount of phone calls I get daily.I have over 20 numbers from Navient blocked. My voicemail has reached its capacity with them leaving me voicemails. They have harassed my co-signer on his personal cell phone and his job. They have harassed me at my jobs as well. It is ludicrous for someone who makes less then 42,000 a year, living on their own with their own expenses to make a payment of XXXX a month. After making several payments over the years, I have NEVER EVER seen a decrease in my loans. This company is a scam. What they are doing to people is absolutely corrupt. Student loan debt has become a massive epidemic. I feel that my story is never heard and I am just one of a million people who are in the same situation as myself. It has put me into a XXXX which has resulted in going to XXXX   XXXX  XXXX  for almost a year. Something needs to be done. This company needs to stop ripping people off and be more honest and helpful. I hope that in the near future, I see a major change to my loans or that I receive some type of help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint has to do with an automobile lease but the issue impacted my credit score so I'm filing it under credit score. I hope that's ok. On XX/XX/2018, XXXX XXXX sent information that lowered my credit limit with them. They used to show the credit limit as the full value of the car but then decided to reflect the balance of the lease amount instead. So it effectively lowered my credit limit by {$15000.00} overnight, dropping my score by 23 points. When I called XXXX XXXX XXXX, they were unapologetic, essentially didn't care and will continue to drop the credit limit despite on time payments since the lease was signed. So, effectively, my credit score is dropping every time I make a lease payment on time and in the correct amount. What can I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report on XX/XX/XXXX where I had noticed inaccurate Information. They are saying a XXXX  XXXX  I had applied for 2 things. I did not do anything with anything with XXXX XXXX. I never signed anything. Have No idea what they are talking about. 

They are giving me hard inquires on XX/XX/XXXX and XX/XX/XXXX. This Is totally Inaccurate and fraud. I never signed anything and this was never authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and found that the credit bureaus are still illegally reporting inaccurate and false information about me. The following alleged accounts are listed as a collection/charge off with a past due balance. This is a violation of the FCRA and also in violation of the requisite METRO 2 complaint reporting standards. 

According to the Fair reporting act. I have the right to a fair and accurate credit report and you are required to remove any information that is not true, accurate and verifiable. 

Please remove this accurate account information IMMEDIATELY from my credit report and send the updated report showing your compliance with all FCRA laws and Metro2 reporting standards as well as these accounts removed. 

XXXX. XXXX XXXX XXXX balance {$100.00} XXXX XXXX {$480.00} XXXX XXXX {$640.00} XXXX XXXX XXXX XXXXXXXX {$700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I already disputed this account XXXX XXXX  with account number XXXX and it was deleted from Equifax & XXXX  in my credit reports. However, on my updated credit reports XX/XX/2021, the account appeared again as a new item but under a different name which is XXXX XXXX XXXX ( but obviously the same as it is still XXXX XXXX ) with the same account number XXXX and is reporting negative under Equifax & XXXX. I've attached a copy of my credit report summary showing that it has been deleted and was added back again. I want this to be removed as it is very illegal to add on removed fraudulent accounts. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported negative in my credit records again and is hurting my financial stability. I have disputed this and was deleted but it was added back again.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XX/XX/XXXXXXXX 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, credit repair services, or other personal consumer reports

I have filed a complaint before about the fraudulent addresses on my credit report. I do not live at these address and I need them removed they are not accurate : XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX   XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX. 
I requested some form a contract we verification on this 3rd party collection account that I have never done business with XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  {$1200.00} I was informed federal law requires that credit bureaus provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law. I don't know how many times I have to keep asking for the proper paperwork I have not received anything and its been longer than 30 days!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XXXX  ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person. 
I am submitting this CFPB complaint to request to the Credit Reporting Agencies to once again, investigate and this time remove the disputed accounts completely from my Credit File. If the Credit Bureaus do not comply with the requests under the provisions of the Fair Credit Reporting Act, I will be left with no choice but to file the lawsuit we have been preparing for a long time. The Credit Bureaus only have 30 days left to remove the following accounts completely from my Credit File
Product: Credit reporting or other personal consumer reports

This late payment doesnt show my usual payment habits. Please remove it and update my account as soon as possible.
Product: Debt collection

On XX/XX/2023, 1st franklin financial corporation Wrote me a letter Alleging I Owe them and they notified me that they were going to take Legal Action which is funny because I didn't give them permission to Speak to me with the Foul language they really ruined my whole day. They are directly violating 15 USC 1692d ( 2 ) ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. I don't like what they said to me. they keep blowing up my phone at unreasonable hours under 15 USC 1692d ( 5 ) ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. provide proper documentation that they are legally owed under penalty of perjury
Product: Debt collection

I am at my wits end here with XXXX XXXX XXXX! I have sent them several letters for them to validate this alleged debt they keep trying to collect and continuing to report to the credit reporting agencies, which is severely damaging my credit files and scores. Every time, they send me some bills from Amazon not providing me any legal documents, including any original contracts or anything. 
To make matters worst, they keep providing me some bills that shows a total different amount from what they are stating that I allegedly owe them and trying to collect. Let 's not forget that I never even knew about XXXX XXXX XXXX before I saw that they are reporting this negative account on my credit report. 

Their own documents states, " it is not an attempt to collect a debt ''. They keep ignoring me, stalling me, and completely violating my rights and the law. This is attacking my character and is causing me suffering and pain. 

I need them to immediately close this account and delete them it from my credit reports. This is absolutely absurd!!!
Product: Credit reporting or other personal consumer reports

XXXX, EQUIFAX AND XXXX have unverifiable accounts, inquiries and addresses on my credit profile I disputed all items for the last 4 months. In I have not received any results. XXXXXXXX XXXX report a car loan as late for the last 40 months. I have disputed this account several times as fraudulent and I have not received and dispute result yet.XXXX XXXX XXXX refuses to respond to a fraudulent account dispute. XXXX XXXX XXXX is reporting a account as late and it was never late. I want all items deleted
Product: Credit card or prepaid card

Last year, on XX/XX/XXXX, i had total of 9 unauthorized transactions in my robinhood debit card account. I filed a dispute claim for 9 of them on XX/XX/XXXX thru robinhood XXXX. Somehow, omly 2 transactions got granted immmediately, but those two had the least amounts, and the rest 7 never got granted. Then i contacted them by phone, emails, i kept writing back to them saying how come only 2 got granted when i filed 9 of them at the same time ( 9 charges different amounts which happened in same day, same merchant, same period of time ). I was kinda shocked when they first approved my 2 transactions, they emailed me that they have found enough evidences, blah blah blah so they are good to go! But after many times contacting by phones, writing so many emails to have the company to refile those 7 transactions, they made me waitng like forever and kept denying my claim. Funny thing occurred til one point because i kept asking them to reopen the claims, and they finally sent me back an email said that they have found errors with and proofs so they will okay it! And then i showed it to them after couple days without any actions, then they emailed me back saying " oh that was a mistake, there is actually no error found, so it wasnt going to get granted ''. Ridiculous right? I finally emailed them again this time i criticized everything, pointed out everything with photos attached with emails they sent me... to make my point that i need all the staff in dispute department to stop treating people like an assembly line, please have some heart or at least put some effort into the work. Therefore, after waiting months and months pending for solution, they decided not to help me anymore and shut down my account, redflagged phone number so that nobody picked up my phone at customers services app support, emails no answer! Last time i checked those 7 transactions were pending and all the representative i spoke they all said " oh okay they were looking good, u just have to wait '' ... ..they lied to my face, and my account got closed all of a sudden. That is the reason today i need to your help please. I am very XXXX, please help me thank u.
Product: Mortgage

On XXXX XXXX a mistake was made with my escrow account. A amount of {$1500.00} was paid to a company out of my escrow account. The company admitted the error and spoke to my mortgage company ( Shellpoint Mortgage ) advising them that they were refunding that amount which was to go back into my escrow account which they did on XXXX XXXX. When i went to pay my XXXX XXXX to ( Shellpoint Mortgage XXXX my surprise they had applied the amount as a my XX/XX/XXXX mortgage that was due. I contact my mortgage company ( Shellpoint Mortgage ) with several emails and phone calls asking them to put the funds {$1500.00} back into my escrow account and i would make my XXXX payment myself. To this day since XX/XX/2020 i have held onto my XXXX payment until they ( Shellpoint Mortgage ) put the money back in escrow. This error has shorted my escrow account tremendously and forced my monthly mortgage payments to increase by {$500.00}. It is now almost XXXX and i have the funds in my bank account ready to pay XXXX payment but have not done so until they ( Shellpoint Mortgage ) put the {$1500.00} back into my escrow account.
Product: Debt collection

XXXX XXXX is stating that I owe {$2000.00} for services with Synchrony Bank from 2013. Thy are not able to provide any documentation bearing my signature, where the balance is coming from and what exactly it is for. I have sent several certified letters demanding that they provide me with all of the documentation to support this, which they have failed to do so. The only letter I have received was a letter stating the balance was " verified ''. This is a COMPLETE violation of Defamation, Negligent Enablement of Identity Fraud, Violation of the Fait Credit Collection Act and Violation of the Fair Credit Reporting Act. This is severally hurting my credit score and I have spent hours of my time and money trying to get this resolved. I demand that this be completely deleted from my credit report with ALL 3 bureaus. My next step will be small claims court, which I have already filled out paperwork & obtained an attorney. I expect this to be taken care of within the next 30 days.