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

I was suppose get an refund for XX/XX/2020 which the agreed without returned to my bank account we back for it was returned I filed complaint cfpb in XX/XX/2020 about the matter and then the company Lexington law company personnel called from blocked number we discussed the matter nothing changed but they have kept billing me for service that they havent down since I canceled there service on or around XX/XX/2020.
Product: Debt collection

This company collection agency has repeatedly called me on the following dates to collect a debt : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the previous dispute. I have made to address the fraudulent items associated with my account Despite my efforts on my part, it appears that the issue persists, and I have yet to receive a satisfactory resolution. 

I initially brought this matter to your attention and since then, I have made subsequent attempts to resolve the issue through your designated channels, Unfortunately, I have not received any meaningful assistance or resolution. 

The impact of these fraudulent activities on my personal and financial well-being is significant, and the lack of prompt and effective action is causing me undue stress and inconvenience. I expect a company of your stature to prioritize the security and satisfaction of its customers. 

I kindly request the following actions be taken to address this matter promptly : Conduct a thorough investigation into the fraudulent activities associated with my account. 
Provide clear communication on the progress of the investigation and the steps being taken to resolve the issue. 
Take immediate action to rectify any unauthorized transactions and remove the fraudulent items from my account. 
Implement measures to enhance the security of my account and prevent future occurrences. 
I believe in the importance of maintaining a positive customer-business relationship, and I hope that this issue can be resolved amicably. I anticipate a swift response and resolution to this matter. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXXXXXX XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Date Filed/Reported : 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 AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$220.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$220.00} XXXX XXXX XXXXXXXX XXXX XXXX {$6500.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/16, at XXXXEST, I received the following voicemail message : Hi my name is XXXX XXXX ___ firm I'm a courier I was just calling to make you aware of that at this point we did make our final delivery __ times of your legal document at this point if you wanted to make arrangements to receive this information you would need to contact the filing party they can be reached at XXXX again the number is XXXX Please see the attached audio file. 

There was NEVER any lawsuit. This is a blatant attempt to mislead. The phone number is listed as belonging to XXXX XXXX XXXX XXXX XXXX XXXX. 

I believe this call to be in regard to a XXXX Credit Card, I am alleged to have used with Comenity bank as listed. As this agency also called my employer, and family several times. 

I deny this debt and any responsibility to pay in full.
Product: Debt collection

I have never done business with Security Credit Services and I have mailed in disputes to the company twice, both the company and Credit Bureaus never provided me with a signed contract with my signature. A collection bill is a not a validation and I have the right to provided with proof and with no proper proof I need this removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative information on my credit report regarding the following accounts : XXXX XXXX XXXXXXXX Late Payment Account XXXX XXXXXXXX Late Payment Account XXXX XXXXXXXX Late Payment Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX Collection Account XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXXXXXX Collection Account XXXX XXXX Collection Account XXXXXXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXXXXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account I believe that these accounts contain inaccurate information and are damaging my creditworthiness. The following laws support my dispute : The Fair Credit Reporting Act ( FCRA ) gives me the right to dispute any inaccurate information on my credit report. 
The Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from engaging in abusive or harassing behavior and requires them to provide accurate information. 
The Consumer Financial Protection Bureau ( CFPB ) enforces federal consumer financial laws and protects consumers from unfair, deceptive, or abusive practices. 
I request that you investigate these accounts and remove any inaccurate information from my credit report. Please provide me with a written explanation of your findings and actions taken within 30 days of receipt of this letter, as required by the FCRA. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion on multiple occasions on XX/XX/XXXX stating that I was a victim of their inquiry issue and the representative failed to honor the inquiry issue and failed to help me giving me terrible responses that didnt solve the problem. These are the following hard inquires : XXXX  XXXX ( Finance ) XXXX XXXX, XXXX -XXXX  XXXX, XXXX XXXX  XXXX ( Bank ) -XXXX XXXX XXXX XXXXinance ) XX/XX/XXXX -XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX, XXXX XXXX  XXXX ( Bank ) -XXXX XXXX XXXX XXXX XXXX  Finance XXXX XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX -XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX -XXXX  XXXX, XXXX XXXX XXXX ( Finance ) -XXXX  XXXX, XXXX XXXX XXXX XXXX ( Auto ) -XXXX ( Finance ) XX/XX/XXXX -XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( Bank ) -XXXX XXXXXXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. ( Bank ) -XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX ( Finance ) XXXX XXXXXXXX XXXX Auto XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX  ( Finance ) -XXXX XXXX XXXX Finance ) XX/XX/XXXX -XXXX  XXXX, XXXX XXXX XXXX ( Finance ) -XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( block , Inc ) due to the inadequate, customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specially, cash app failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, there dispute, resolution process was unfair and deceptive, as they did not comply with error, 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 red dress for these violations.
Product: Debt collection

I 've disputed this account twice. Each time they have not deleted the account as requested but instead update the account as a new debt. Which harms my credit worthiness and character. I disputed the account in   XXXX   XXXX   XXXX     and again this year in  XXXX . After the first dispute I received no reply from the company only and updated credit history with a negative reflection on my credit. After  XXXX  's dispute they now send me a bill. The account does n't belong to me. Yet, they are asking me to pay  XXXX .   I do n't know if the company is  Pinnacle or Resurgent  as I have one company listed on my credit and the other sending the letters.
Product: Debt collection

This company calls numerous times day, multiple times a week. When answered, they will not identify the business matter. They will also not leave messages. The debt is a charge off by a different company. They have also sent letters through XXXX for direct delivery which is just dropped on the doorstep. They are harassing me and now they are threatening to sue. I recieved a letter on XX/XX/2018 that I got off my doorstep via XXXX that saysI 'll be sued if i don't respond. The letter is dated XX/XX/XXXX.
Product: Credit card or prepaid card

I have tried many times to pay my bill, it always get returned. But it never gets taken out of my account, I call customer service and they tell me to try only paying the minimum amount, it will work then. I want to pay it all, and have a XXXX balance, they are making it so I owe them more in the end.
Product: Debt collection

Hello, I am XXXX XXXX. After serving in the military for 7 years, I am ready to finally buy a home. I am working with a veteran  organization here in Texas to improve my credit score so that I can be my best when getting approved for a home loan. I am running into a problem with the company LJRoss/XXXX. The company is on all three of my credit reports showing a XXXX balance. This entry has been on my report for over 9 years. 

I have called and spoke to several people and even waited a month for them to take action. The entry still remails on my reports. Can someone help get this removed and or tell me how I can get through to them to have it removed, it would be greatly appreciated. 

If you would like to contact me, my e-mail address is XXXX Thank you for taking the time to look into this matter.
Product: Credit reporting, credit repair services, 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 https : //www.ftc.gov 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. 
Here is the list of i tems which do not belong to me or were opened without my permission. 
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 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 Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on 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 Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Balance : {$0.00} ' XXXX XXXX XXXX XXXX XXXX .... Balance : {$0.00} ' XXXX XXXX XXXX XXXX... Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX... Balance : {$740.00} XXXX XXXX XXXX XXXX .... Balance : {$1100.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1000.00} ' XXXX XXXX XXXX XXXX XXXX XXXX Date filed XX/XX/XXXX ' XXXX XXXX XXXX XXXX Filed on XX/XX/XXXX XXXX number : XXXX XXXX : XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Debt collection

Hello, mountain run solutions collection agency out of Oregon is reporting a debt that was released in XXXX XXXX  of federal bankruptcy in XX/XX/XXXX. They were at that time, notified included on the bankruptcy, and now they are reporting it to XXXX as a collection. I called them twice this morning to try and resolve this, and A ) they kept talking over me And belittling me with lines such as if you paid your debt you wouldnt be in this mess. B ) would not tell me the amount of the debt when asked, and C ). they kept hanging up. The debt is a 10-year-old debt for {$110.00} that was owed to an alarm company, who went bankrupt and went out of business ordered by the court, and was impossible to reach to pay the debt in XXXX to XXXX. They were then bought by XXXX and now moved over to XXXX XXXX, I went to great lengths this morning by contacting XXXX security billing, and attempting to contact XXXXXXXX XXXX to no avail. Its not about not paying the bill, its about this particular collection agency reporting it after it has been dismissed And not complying with federal law.
Product: Mortgage

We lost a house in XX/XX/XXXX. We had a HELOC on it. The HELOC sold the debt to Green Tree Servicing recently and Green Tree has parked the old debt on our credit report stating the date of last activity was in XXXX. We have not made any sort of payment on this debt since early XX/XX/XXXX when we started to loose the house and were negotiating with the XXXX lien holder to try to modify our home. I 've disputed the debt with Green Tree. The statute of limitations on this debt was 4 years and the 4 years passed in XX/XX/XXXX. We were never sued for this debt and no judgements have been issued. We have not made any payments on this debt since XX/XX/XXXX. Our true date of last activity was sometime in XXXX or XX/XX/XXXX. This is more than 7 years old and should no longer be shown on our credit report. The foreclosure from the XXXX lien holder is no longer showing on our report. Green Tree is trying to Bully us into paying an old debt by reporting to the credit agencies that it is more recent than it actually is. I have disputed it with Green Tree and they just sent us paperwork from the original HELOC and the date the HELOC was charged off by the original creditor. Green Tree shows copies of letters sent, however, we never received them. If we did, we assumed they were credit offers and shredded without opening them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly a collection/charge off in the amount of {$2600.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid in full years ago and should not be reporting on my credit report. This incorrect reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Bank account or service

This has been an ongoing issue. I had a Bank of the West checking account around the years of XXXX. I moved out of the area and had closed the account. Around XXXX/XXXX/2012 I received a call that I had an outstanding debt to Bank of the West in the amount of {$390.00}. The collection agency was " XXXX '' out of XXXX XXXX, CA. Upon receiving their call I immediately called Bank of the West ( which I am sure was a recorded phone call ) I talked to several people there assuring me that I did not owe Bank of the West any money and that my account was closed in good standing. Interestingly enough after that day I did not receive any further collection calls regarding the issue. However I check my credit reports today and it is still showing up damaging my score. This was not ever a debt, I do not know how it showed up there. I have tried to contact the collection agency several times and they can never find my information, almost like it never existed, but sure enough there is sits on my report. I would like this information removed from my credit reports.
Product: Checking or savings account

On XX/XX/XXXX, my wife and I was attempting to open an account with XXXX. However, they checked " XXXX '' ( or something like that ) stated we have an account with Truist/BBT account XXXX I had know idea. We went to the Truist bank and found there were 4 check and savings accounts were open and closed and 1 open account ( {$170.00} ) which was open XX/XX/2021 ; all account were opened using an expired ID and my SS #. AGAIN, I had know idea! It was obviously fraud. In additions, it looks like whoever used the account deposit {$300.00} dollars which Truist bank have been charging monthly bank fees for a YEAR. The bank representative said it appeared it was opened and closed online and that he couldn't do anything about it now because it was the weekend. Eventually, another bank rep. ( XXXX ) got involved and said she will contact the bank manager on Monday and said she will give me a call back. XXXX called back and stated she filled out a " fraud form '' and emailed to the proper department and they should call me in a few days. No one called!!! I called XXXX back and she forgot the issue and that she can't do anything about it. I proceeded to all customer service, the rep. transferred the call to " XXXX  ''. The rep. from XXXX  said she doesn't see any fraud form in there system. The XXXX  rep. transferred the call to the fraud department. I WAS WAITING FOR A REP. FOR TWO HOURS!!!!! I had to disconnect because I was working and needed to go into a meeting. AT THIS TIME, NOTHING HAS BEEN RESOLVED!!!!! 

I WAS ONLY ABLE TO TAKE PICTURES OF THE BANK SCREEN BECAUSE THEY REFUSED TO PROVIDE STATEMENTS. THE CONTACT INFORMATION IS NOT MINE INFORMATION. THAT IS NOT MY EMAIL ADDRESS.
Product: Mortgage

Assignment of Mortgage From FHA to Conventional, MIP insurance was being paid the entire time, based on loan statements, the loan was in default, however the MIP insurance was being paid. My loan Original loan amount was for {$120000.00} and has gone up to {$210000.00}. The XXXX information is wrong, the loan was sold to a private investor and serviced by different loan servicers : XXXX XXXX XXXX and then to RoundPoint Mortgage. I received a modification package and I disagree with the amounts owed.
Product: Checking or savings account

I've submitted claims against 2 companies. Both were denied for invalid reasons. One I was told was denied because I had prior business with the company even though the had given me a credited. I contacted the companies regarding the charges and that is all that they refunded. The other is a company that I never dealt with. I have dealt with companies similar to this company and that who I though was pulling from my account but I later found out that it wasn't.
Product: Mortgage

I contacted Wells Fargo because I'm eligible to remove the Mortgage insurance off my loan. They told me that they don't remove the Mortgage insurance and I have to pay it until the end of my loan which is incorrect. PMI can be canceled after your home 's value has risen enough to give you 20 % to 25 % equity in your house. The value of my house has increased over 25 % in past XXXX XXXX XXXX. So they refuse to remove it for whatever reason.
Product: Credit card

I tried to pay my credit card off in the beginning of XX/XX/2023. I had requested a new credit card and they told me they couldnt except my payment because they had closed my previous card and didnt have a new card number to apply the payment to. They gave me a payoff amount and when I received the new card I payed that amount and the same amount was listed on the website. I assumed this was taken care of. I then got a notice in XXXX on XXXX XXXX that I had a late payment reported. I called the credit card company and they said that there was {$8.00} outstanding ( I dont know what this charge was because I paid the card off and made no further purchases ) and late fees. In XXXX there was a dispute issued for the late fees and negative report to the credit bureau. I called numerous times for a follow up and still no resolution. On XX/XX/XXXX I called to find out the status of the dispute. I said can I just pay this to avoid further late charges and more concerning another negative report to the credit bureau. The customer service agent said I could not make a payment because it was in the dispute review. He assured me to just wait until the dispute was completed. I got notice on XXXX XXXX that my credit score was even lower and an additional late fee was added to the credit card. So, I was on the phone for another 1 1/2 hours trying to find out why this was reported again since they refused my payment the previous week and it is all being reviewed. ( My credit score has taken well over XXXX point hit because this. ) The customer service person said he is escalating the case again and I would hear back in 7 - 10 business days. I have heard this at least twice before and still have no resolution. I just want my credit score restored.
Product: Debt collection

I called to dispute with carter young and the credit bureau. asking to validate the debt. 
They have not sent me anything validating the debt in XX/XX/2022 of {$320.00} and {$75.00}. 
on all XXXX of my credit report, it is showing different dates that the account was opened. and payment history